Podcasts about cfo

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> The difference between the red and blue states are clear now. Those states that follow the green new scam are failing and those that are not are succeeding. Fuel prices are coming down except those states that are following the green new scam. ADP has revised its employment numbers back to 2010, the illusion is being exposed. The [DS] is now in a deep panic, they know that without their cheating system they will not be able to win the midterms. This is why in the end they will push another event to try to stop the elections and try to blame it on Trump, this will fail, they did this in 2020 and they cheated to overthrow the US government. All of the D’s crimes are being exposed, and in the end the D party will cease to exist.   Economy (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/StephenMoore/status/2019051853380514002?s=20 Trump’s Energy Agenda Lowers Gas Costs – Most Places  a new report notes that gasoline prices are dropping thanks to increased development under the Trump administration – but not everywhere. Secretary of the Interior Doug Burgum, on Wednesday, took to his X account to share the news. https://twitter.com/SecretaryBurgum/status/2019070174779801671?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2019070174779801671%7Ctwgr%5E101bbd02c2c262b0bab597b657ae92b4f4696b9b%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fwardclark%2F2026%2F02%2F04%2Ftrumps-energy-agenda-lowers-gas-costs-most-places-n2198829 Source:redstate.com ADP Employment Report Massively Revised to 2010 with Huge Erratic Differences in Month-to-Month Job Creation & Losses    The ADP National Employment Report data, released today by payroll processor ADP, was massively revised going back to 2010,     For example: In 2025, the new version (red) shows job declines in March, April, and May, when the old version showed substantial job gains (blue). Then for the second half of 2025, the new version (red) shows much bigger job gains of 345,000 for June through December, than the old version (131,000). For 2024, the new version shows big job losses in February and March (red), while the old version showed moderate gains (blue). And then again in September and October 2024, the new version showed job losses (red), when the old version showed massive job gains (blue). For 2023, the new version shows huge job gains for May, June, and July, while the old version showed much smaller job gains. These massive differences go back all the way back to 2010. The entire data set was massively revised. ADP's entire data series going back to 2010 was heavily revised, and shifted down by about 2.5 million jobs across the entire period. I Source: wolfstreet.com https://twitter.com/pete_rizzo_/status/2019085379178029264?s=20 Political/Rights One-Third of Washington Post's Entire Staff Is Being Laid Off Today they cut one-third of their staff. One-third of the Washington Post's staff is being laid off. Over 300 employees were let go today.   Source: thegatewaypundit.com https://twitter.com/libsoftiktok/status/2019070303112962269?s=20 https://twitter.com/OliLondonTV/status/2019021331728040047?s=20   served.” https://twitter.com/nicksortor/status/2018768203003170933?s=20   illegals arrest power. The braindead police chief says she didn't know he was illegal. NO CHANCE this is an accident. https://twitter.com/StephenM/status/2018170822762823946?s=20 border fit that criteria. No one in Mexico or Ecuador or Honduras etc live in nations where there is any state persecution of any protected class. It's all fake, all the way down. 2. All non-Mexican illegals have transited through additional countries on the way to America where there are no forms of state persecution, thereby further disproving any hypothetical claim 3. As yet further proof the claims are fake, aliens turn down the opportunity to avoid this fabricated persecution by being safely resettled in another nation 4. Illegal aliens receive free and functionally unlimited legal services. When facing deportation, they and their lawyers (as a matter of course) automatically file fake asylum applications. It's a multibillion dollar fraudulent industry. It's gross, unethical, and deeply immoral. Everyone involved in this system understands and knows these claims are false. Adjudicating these knowingly false claims is a full-time job for thousands of people. 5. Federal law requires illegal aliens to be detained pending a hearing for their (fake) asylum claim. These are not prisons. They are not being punished. No one is being sentenced. Civil detention and removal is not part of the Article III justice system (in fact, Congress stripped Article III of jurisdiction over civil immigration procedure). The goal of the US government is to send aliens home immediately (they get cash and a free plane ticket) with the fewest days in custody as logistically possible. Any delay is caused by the fake asylum claim. 6. When the fake asylum claim is heard on the “non-detained” docket the illegal aliens rarely show for their hearings. Those few who do show stay in the country regardless after losing (unless placed into detention). Removal orders are ignored as a matter of course. If and when absconders are eventually found (at great time and expense) they still have to be detained to actually effectuate the removal. At this point in time their lawyers will file a motion to reopen their asylum claim or otherwise appeal the finding and seek release again. Regardless, no removal of any alien anywhere can occur unless in a detained setting. If the alien has children they are, by law, supposed to stay in a family residential center (that costs more per night than a high-end hotel, and includes full medical, dental, scholastic and other services) 7. Biden officials did not even bother with the pretext of performing intake interviews for the millions and millions and millions they released into the US. The aliens were simply released on sight, no questions asked, with court dates years away, in the hope and expectation that by the time their fake asylum claims were adjudicated and rejected years later, Democrats would be able to scream that these illegals have now lived here for X years and they and their children must be allowed to stay at our permanent expense. No one in the prior Administration responsible for these decisions actually believed the or now this has anything to do with asylum. To them, it is just useful propaganda in service of infinite mass migration. https://twitter.com/EricLDaugh/status/2019043492899725395?s=20 DOJ Files Show Jeffrey Epstein Was Reportedly About To Cooperate With Federal Prosecutors Just Weeks Before He Was Found Dead in Jail Epstein was going to flip? Today we learned that Jeffrey Epstein was ‘set to potentially cooperate with the feds' in his sex-trafficking case. The bombshell revelation comes after it was known that his lawyers and prosecutors met just two weeks before he was found dead in jail. The New York Post reported: https://twitter.com/MarioNawfal/status/2017678803896836343?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2017678803896836343%7Ctwgr%5Ecf86d4f223327c36358f06870502d78d212d1ac7%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Fdoj-files-show-jeffrey-epstein-was-reportedly-about%2F Source: thegatewaypundit.com https://twitter.com/Wallstreet2024/status/2018911171869356233?s=20   https://twitter.com/HansMahncke/status/2019027407429382358?s=20   screws on Acosta to understand exactly how this was allowed to happen. It's hard to believe he made that decision on his own. There's a story there, and maybe it even explains how, 10 years later, he ended up as Trump's Labor Secretary. How does something like that happen? https://twitter.com/KatieMiller/status/2019019126006505788?s=20   Epstein was arrested and jailed. In his second, he's released the files. It's curious why didn't these Democrats want Justice before? https://twitter.com/C_3C_3/status/2018723390710858221?s=20   DOGE Geopolitical    Soybean count to 20 Million Tons for the current season (They have committed to 25 Million Tons for next season!), Airplane engine deliveries, and numerous other subjects, all very positive! The relationship with China, and my personal relationship with President Xi, is an extremely good one, and we both realize how important it is to keep it that way. I believe that there will be many positive results achieved over the next three years of my Presidency having to do with President Xi, and the People's Republic of China! PRESIDENT DONALD J. TRUMP War/Peace https://twitter.com/disclosetv/status/2018803094432502143?s=20 https://twitter.com/araghchi/status/2019135910881947914?s=20   Putin ‘Kept His Word’ On Ceasefire, Trump Says, As Large Attacks On Kiev Resume President Trump has praised his Russian counterpart for keeping his word on the brief winter freeze ceasefire. Last week Trump had picked up the phone and urged President Putin to refrain from attacking Kiev and other major cities. Trump said of the surprise pause that Putin had agreed to halt strikes for one week. Trump has newly told reporters that the agreement expired on Sunday, and that Russia kept its word. “It was Sunday to Sunday, and it opened up and he hit them hard last night,” Trump explained at the White House on Tuesday. “He kept his word on that… we'll take anything, because it's really, really cold over there.” And then as Reuters reported:   Source: zerohedge.com Medical/False Flags [DS] Agenda https://twitter.com/elonmusk/status/2019073176588919068?s=20  Chairman @SenRickScott 's letter & EXPOSING the rampant fraud in our health care system. https://twitter.com/susancrabtree/status/2019043192688042099?s=20 “HomeKey” housing program, which lacked basic verification systems. Shangri-La Industries, the ill-named homeless housing construction firm at the center of California’s fraud scandal, showered Newsom and L.A. County Democrats, as well as Rep. Robert Garcia with political donations. But so far, Newsom and the Dems are keeping the donations and didn’t respond to numerous RCP questions about whether they would give them back. The construction firm is STILL touting a Newsom endorsement and quote praising it on its Instagram account. Shangri-La Industries’ indicted and arrested CFO, Cody Holmes, is accused of looting taxpayer funding to convert seven motels to homeless housing. Holmes allegedly used the money to pay for a $46,000 a month rent for a Beverly Hills mansion, private jets, a Bentley and Ferrari, a gold diamond watch + Birken bags for his girlfriend, Madeleine Witt, plus 20 VIP passes to Coachella worth more than $50K. https://twitter.com/RebeccaTucker85/status/2018784027289993438?s=20   https://twitter.com/DC_Draino/status/2019056005997383836?s=20  implicitly condones those who try to kill his political enemies. It starts as implicit, then it becomes explicit. Like all marxists throughout history. https://twitter.com/Bubblebathgirl/status/2018747974663143563?s=20     https://twitter.com/NateFriedman97/status/2018770880931717299?s=20 https://twitter.com/nicksortor/status/2019091187462979705?s=20   https://twitter.com/ElectionWiz/status/2019060617257042222?s=20 https://twitter.com/TonyDGianino/status/2018802512586002723?s=20   of the people peaceably to assemble (U.S. Const. amend. I). You have the legal right to gather in public spaces for lawful purposes- – -like protesting, petitioning the government, or observing events—as long as it’s peaceful and doesn’t break other laws (e.g., no trespassing, no interfering with federal operations, no violence). Supreme Court cases like De Jonge v. Oregon (1937) made it clear: peaceable assembly is a fundamental right, cognate to free speech, and can’t be banned just because officials dislike the message. Governments can impose reasonable, content-neutral time, place, and manner restrictions (e.g., permits for large crowds, no blocking traffic) to protect public safety/order, but they can’t outright prohibit lawful gatherings or use force against peaceful participants. Bottom line: True peaceful assembly is 100% protected. Fake titles don’t create extra rights or shields for illegal interference. Stay lawful – – – stay peaceful—that’s the line.  President Trump's Plan https://twitter.com/ElectionWiz/status/2019059790593376473?s=20 https://twitter.com/Breaking911/status/2019056233177657425?s=20 https://twitter.com/TrumpWarRoom/status/2019059608271171723?s=20     Ryan Routh To Be Sentenced For Trump Assassination Attempt Today A federal judge is set to sentence Ryan Routh on Feb. 4 for attempting to assassinate President Donald Trump. Prosecutors are seeking a life sentence while the defense is arguing for leniency. U.S. District Judge Aileen Cannon sentenced Ryan Routh to life in prison for attempting to assassinate President Trump during the 2024 presidential election cycle, according to AP News.Federal prosecutors said Routh spent months planning the attack, showed willingness to kill anyone who interfered, and expressed zero remorse during the trial. They asked the judge to impose a life sentence on Routh to “send a message that seeking to assassinate a Presidential candidate will result in the most severe punishment.” Source: zerohedge.com  https://twitter.com/RedWave_Press/status/2019092540578807934?s=20   agency)—serving as vice chairman, according to CBS News. “President Trump intends to sign an executive order in coming days naming Vice President JD Vance as chairman of the task force, a move that’s meant to signal the importance of the effort to the president.” “The plan calls for Colin McDonald, who has been nominated by Mr. Trump for a newly created fraud investigator role at the Justice Department, to fall within the DOJ’s management structure – reporting to Attorney General Pam Bondi and Deputy AG Todd Blanche – but to work closely with Vance and Ferguson.” https://twitter.com/nicksortor/status/2019122766570496512?s=20 Raskin: Trump ‘Has One Objective in Mind Which Is Trying to Steal the Election'   Rep. Jamie Raskin (D-MD) said President Donald Trump has one objective in mind: “trying to steal” the midterm election. Raskin said, “We know it's not as simple as just turning the clock back to, the time before Donald Trump, because obviously, those were the conditions that allowed for Donald Trump and MAGA to penetrate our society and take over our government. We're going to have to fortify democracy and freedom to make them much stronger going forward. And having been through this nightmare together and with the heroic resistance and opposition that we're seeing all over the country, we are going to make it through.”  ” Source: breitbart.com https://twitter.com/WarClandestine/status/2018765587359412584?s=20 https://twitter.com/AndrewKolvet/status/2018899622945771837?s=20 https://twitter.com/daily_romania/status/2019033991333265491?s=20   https://twitter.com/ElectionWiz/status/2019024377862394140?s=20     https://twitter.com/WarClandestine/status/2018740338689441821?s=20  try to cheat in the election again via harvesting mass mail-in ballots. The only election the Dems have “won” was in 2020 when there were mass mail-in ballots due to the man-made virus that “leaked” from a US-funded lab, via a CIA/USAID-funded project. The only thing that could save the Dems now, is some sort of catastrophe that they can leverage to their advantage. https://twitter.com/WarClandestine/status/2018851005069226185?s=20  American People will see that the Dems are not actually all that popular. The Dems' perceived support is all one giant ruse. If we pass the SAVE Act, the 2026 election will serve as incontrovertible evidence that the Dems have been engaged in election fraud and treason. The public will have witnessed the sharp contrast with their own eyes. After the People see that the Dems are frauds that can only win by cheating, the public will not only be more willing to accept the reckoning, they will be cheering for it.  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Kiera is joined by Alexis Gallati, founder and lead tax strategist at Cerebral Tax Advisors, to talk about tax strategy not just for 2025 success, but 2026 and beyond. They discuss asking your CPA the right questions, shifting income from your higher tax bracket down, the Augusta rule, and a ton more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and today I am super jazzed. I have an incredible guest joining us on the podcast today ⁓ to talk about last minute tax strategies before April 15th. Like why not? I mean, hey, maybe you were like, you're not the early bird. You were like, shoot, I forgot. Like what things can I do? And so I'm super excited. Alexis Gallati, she reached out to us. ⁓ She is founder and lead tax strategist at Cerebral Tax Advisors.   Ansari Real Wealth Academy. And I was so excited about this topic because I know you guys know I love to geek out about this and I have it on my vision board of tax expert ahead. Like I hate taxes. I love taxes. I believe that taxes are such a beautiful way for us to pay to be in this incredible country. But you better believe I don't want to pay a penny more than I need to. So really figuring that out just a little bit about her is she is got a dual master's degree in business administration and taxation, which is super rad because   Let's be real, she gets the business side of it. She gets the taxation and we were chatting before and she was like, what people make like their top line revenue versus their take home pay are two different things. And I was like, amen sister, preach on. She's enrolled agent, NTPI fellow and certified tax strategist. She also is the author of advanced tax planning for medical professionals. She specializes in high level strategic tax planning and multi-state tax preparation for healthcare professionals and business owners. She's raised in a family of physicians and married to one.   She empathizes with the financial challenges medical professionals face. This personal connection inspired her to create accessible, unbiased tax solutions tailored to their busy lives. Driven by passion and guided by cerebral thinking, Alexis forms Cerebral to help professionals keep more of their hard earned money. Amen sister. That's what we want. That's why you're here. Their approach breaks the mold of traditional financial advice, offering a unique perspective for medical professionals and business owners. So while yes, she's not 1000 % dental guys were in the healthcare world and she's so brilliant. So Alexis, welcome to the show today. How are you?   Alexis Gallati (01:54) Thank you so much for having me. I'm doing very well. Hope you had a wonderful holiday season.   The Dental A Team (01:58) Yes, likewise. And I was so excited when I heard that you would be a guest on our podcast. I geek out about this, Alexis, I know it's like our first day meeting, but ⁓ I just think the world of tax is such the game of monopoly. And I'm like, if you would have just told me that rule, I could have played and won the game better. But I feel like it's always as ever changing, ever evolving. And I know there were some big things that happened in 2025 that are impacting like our our taxes. And so, yeah, definitely a timely and   exciting podcast to throw out there. So Alexis, I know I gave you a very welcomed ⁓ bio and intro, but yeah, tell us a little bit about who is Alexis. You're married to a physician. You're in this world of tag. How does one become obsessive about CPA? I'm truly just curious. How do you like, how does this happen? How did you become this?   Alexis Gallati (02:49) Yeah, so I love law and I love money. And so when I was in undergrad, I took a tax and accounting class and loved more the tax side than the accounting side, I do admit. And so after meeting my husband in college and us starting to go through that full medical journey, was about a year and a half out from him.   The Dental A Team (02:54) you   Alexis Gallati (03:18) from him finishing his residency. And I really saw the writing on the wall. Even at that time, with him being in residency, about four months of his salary was going towards taxes. And I was like, that's not right. That's not right. With   The Dental A Team (03:36) No.   Alexis Gallati (03:38) hard he works and how hard   medical community works in general. ⁓ my gosh, that's not right. So that's when I really dedicated myself to   finding out, why do the Warren Buffets and the Bill Gates of the world have this really low to sometimes non-existent tax bracket? And I really dove into that tax planning. ⁓ And so, you know, what's very unique about, ⁓ you know, the way that I work and my business is that my husband and I are in the same exact position as majority of our clients. And so, yes, I'm looking for   strategies for my clients, but I'm also looking for those strategies for myself.   The Dental A Team (04:19) You're like, hey,   it's me. I'm going to help myself out. I'm very motivated to do this.   Alexis Gallati (04:25) Very motivated. And I love it. I love it. It's like you said, it's ⁓ Congress keeps us on our toes, changing the laws consistently year after year. ⁓ it's like a puzzle. Like, hey, how can I just keep more of what I'm earning?   The Dental A Team (04:43) Yeah, and I, this is what I get obsessed about. what I learned, gosh, it's like, I was so naive when I started the company. was like, marketing is marketing. I just need to hire a marketer they can do everything. And then I was like, oh, there's a content marketer. There's a copywriter marketer. There's a strategist. There's a growth marketer. There's like an AEO marketer now. There's an SEO. Like you guys, this thing is like a web. They're a content marketer. And then I started realizing it's similar to CPAs and financial planners that like,   I thought you hire a CPA, Alexis. Like I'm so naive to business. I'm shocked that I've made it this far. Like truly I'm proud of like the journey we've been on, but like not all CPAs are created equal. And then I realized like CPAs play by different rules. Like it's the same rule, but there's shades of gray. They're how comfortable are you with this and how uncomfortable are you with it? Like there's one CPA that told me like, here, you can totally go skiing in Tahoe. Just like put your logo on your skis and you can totally ride it off and like put your logo on your boat and you can ride it off.   And then there's like the Alexis of the world was like, oh, hard pass. No, you're going to like totally get flagged. But I'm like, what rule is right? And so I realized that there are, like you said, tax strategy and for higher wealth earners. I do believe that there's a game, like you said, how did the Warren Buffett's, how did the Bill Gates, like they're not paying this. And then you get into the real estate game and you get into all these other things. You're like, how can we do this? And so Alexis, I'm just jazz. This is me being nerdy. And I'm going to ask you a bajillion questions and I can't wait.   to learn. So let's kind of talk about most of your clients, what's the size of take home net pay that they do. So that way we know like what brackets were in. So that way right clients come to you. I also learned not all financial advisors take all people. I was like, I make 30 grand. They're like, great. So we're going to help you out just a little bit. And then like, when you get to this level, we'll chat with you. ⁓ tell us kind of that. And then let's dig into how do we keep more money, Alexis, legally.   Alexis Gallati (06:10) I love it.   The Dental A Team (06:39) I'm here for legal advice. I'm willing to go gray, but not go to jail. So that's my line. So as long as we're on the same page, I think we are, I'm here for it.   Alexis Gallati (06:40) Yes.   Definitely, yeah. I am more than happy to play in the gray areas. We just have to feel comfortable defending it in an audit. And so that's our line in the sand. ⁓ But yeah.   The Dental A Team (06:55) Mm-hmm.   She's like, this is why I went to law guys. This is why I like the law side and the CPA.   I like it. I like your style. It's so unique and I just am excited. So, okay, I'm ready.   Alexis Gallati (07:07) Yeah.   Yeah. at Cerebral, we work with those that earn at minimum $400,000 per year in taxable income. So we have lots of businesses, which by the way, 99.9 % of our clients are medical professionals. I think we have like maybe two clients that have zero ties to the medical industry. And so the practices we work with, you know,   generally range from anywhere from maybe about $700,000 in gross revenue all the way up to eight figures. So we tend to not work with those that are larger practices, that usually over 50 employees. And that's just because once you get above 50 employees, yeah, it changes quite a bit. So we're definitely in there with those smaller to medium sized practices.   The Dental A Team (07:56) Tax co-changes. Yep.   Amazing. No, that's super helpful. And I know we were talking before, like the average of your clients, about 700,000 like net pay is typical where you guys are at. You have some that are higher, but that minimum of 400,000, which is great because I do think that there are thresholds. ⁓ And I did learn through going through business that who Kiera needed as a tax support and advisor when I was in that 30,000 range compare and as a business owner, I thought it was so funny.   Gosh, taxes, like they hurt so bad sometimes. Like, whoa, easy come, easy go. Like I've never, I've always been a W-2. So that was such a fascinating world for me. But yeah, let's dig into some of the things you've seen for the medical world. Cause I know I have friends that were physicians and they're really big on real estate. And like I took the real estate Kool-Aid and I'm just like, is this really real? There's gotta be easier ways than doing this. And so I'm just jazzed to kind of go through what are some of the things we can do now before April 15th.   What are things that we can do even past April 15th to set us up for great success for 2026? So Alexis, this is your show. I'm just excited, kind of riffed us through it. Of course, I'm gonna geek out and ask probably about way more questions than you care to even be asked, but I'm really excited to learn more today.   Alexis Gallati (09:20) Yeah, great. Well, yeah, I hate to be a little bit of a Debbie Downer in the beginning and that when your past December 31st, ⁓ the number of tax strategies that are available to you are before you actually go to file your tax return are limited. It's just the nature of the code.   The Dental A Team (09:37) I agree. was super, when you were   like, what are the tech? I was like, I want to know because most of the times like when the clock strikes midnight on December 31st, it's like game over and we start again. But yes, which is why I want to know what are like the small ones, but then also Alexis like, let's set our listeners up for like, what things can they do this year to be better prepared for it in conjunction? So yes, before April 15th, but selfishly I want to know what else can I do this year that maybe I haven't thought of.   Alexis Gallati (09:52) Yeah.   you   The Dental A Team (10:06) because the clock hasn't struck midnight in 2026. So like we've got time. So yeah, for 2025 filing, but also for 2026 as well.   Alexis Gallati (10:09) Yeah.   Yeah, so let's talk about 2025 filing first. Especially if you're a business owner, there are actually a number of things that you could still put together for yourself that can impact your 2025 financials. ⁓ So even basic things like if you haven't been taking advantage of your home office deduction or ⁓ vehicle expenses ⁓ and unreimbursed business expenses. So those are expenses that you paid   personally, but our business expenses. So all of those items, you can still go and report on your 2025 return. So if you haven't taken the time to sit down and say, how much should I pay in my home utilities or insurance, repairs, et cetera, and take the percentage. So let's say your home office is 7%.   of your total square footage of your home. Well, then you can write off 7 % of your home expenses on your taxes. the treatment's a little bit different depending upon if you're a sole proprietorship or an S corporation. But in general, you still have that time to take advantage of that. And a lot of you might be like, oh, Alexis, it's such a little amount. I don't even know if it's worth it. Believe me.   All these little things can really add up together. And easily, I usually see between $10,000 to $20,000 of really ⁓ easy to grab savings for yourself if you just take even a few hours to gather all the information. ⁓ And you can even use ⁓ personal financial apps like Monarch Money or You Need a Budget, things like that to help.   organize that information for you throughout the year so it's a little more automated.   The Dental A Team (12:10) Yeah, that's amazing. I do love the YNAB. You're throwing me back to like pharmacy school days of you need a budget. I was like, oh my gosh, got to answer this every time. They have updated so much, but I love that you said like 10 to 20 grand, I think is worthwhile, but more than it being pennies or dollars, I think it's the discipline of having it prepared for next year too. So that way we don't, I think it's like, well, it might not be enough this year, but I'm like, you take that this year and we compound over the next year and the next year and the next year. I think these little things to me at least,   Alexis Gallati (12:15) Ha ha ha.   The Dental A Team (12:41) Like I said, it's their game of monopoly. And I'm like, okay, maybe I didn't get it that time, but I'm going to take that rule and I'm going to apply it this year and the next year and the next year. So I'm even taking notes over here, guys. So Alexis, if you see me, I'm writing it like, okay, I'm going to check in on that, check in on that. So make sure, make sure that they're being taken into consideration because I don't prep my own taxes. I don't even know half the stuff. Like they just tell me. So I also think being a good steward as well and always double checking your CPA to make sure like, are we maximizing every deduction we can?   Alexis Gallati (12:53) Good, I like it.   Of course.   Yeah. And being proactive is like you said, the number one thing because the IRS can deny deduction if you don't have that itemized receipt or you don't have the proper documentation. And 99 % of any fight with the IRS is that documentation. And I did a three year fellowship in IRS representation. So I'm obviously very focused on that tax savings, but also very focused on making sure   that everything's set up properly. So if the IRS were to challenge it or even the state, you're in good hands. then that way, you can just give them the stuff and say, go away.   The Dental A Team (13:51) Exactly. And I heard somebody once tell me, they're like, Kiera, it's not a matter of if I'll be audited, it's when. Like every business will most likely be audited at some point. I hope and pray like we're not. I think about that a lot of like cross my T's, dot my I's, make sure that I'm constantly trying to be compliant with things. But your wealth of knowledge on that Alexis of what things and how to become, I mean, shoot three years of IRS. Girl, you got my vote. That's impressive. And like love the love the authority piece that you're bringing to our podcast today.   Alexis Gallati (14:20) Thank you. Thank you. So some other things that you're able to do before you file that tax return, and this is a big one, is retirement. So you actually have until the filing of a tax return, and that includes extensions. So for example, if you're an S corporation or a partnership, have the original due date, which is March 15th, or the extended due date, which is September 15th, to go and   open and fund that retirement plan. So if you have employees, it can get obviously a little bit more complicated, but you still are able to do it and ⁓ do that employer contribution. And that's obviously really one of the lower hanging fruits when it comes to not only tax savings, but also wealth generation.   The Dental A Team (15:12) Yeah, no, I love that. That's a great idea. And I think a lot of people miss that. And again, CPAs, tax strategists, wealth advisors, they're all playing in their own lanes, but how can we make sure all of them are maximizing together? Because you as a human are trying to build that wealth. So I love that.   Alexis Gallati (15:30) Yeah. And don't forget as well, you know, kind of in the same vein as retirement is that health savings account. So if you had a high deductible plan throughout the year, but maybe your employer didn't actually provide a ⁓ health savings account, like so if you're a W-2, for example, or even if you're self-employed, you can still go open up your   own Health Savings account through, I think Fidelity has some, ⁓ Optum Bank, HSA Bank. So there's a whole bunch of different providers out there. can just Google and find the provider that works best for you.   The Dental A Team (16:07) Interesting. And I know like I just wrote that down because a lot of dentists don't have HSA. Like we are the providers for it. But hearing that that might even be a resource to attract people into your business if you were able to like, don't necessarily provide it, but these are some companies that we could help our employees get if they wanted to have an HSA because I know that that's something that my husband works at a hospital. So there's an HSA there, but as sole proprietors and S-Corps, a lot of times they aren't provided. That's actually really like, I think just a great tool and resource to   possibly provide to our employees, depending upon what it looks like for your business.   Alexis Gallati (16:40) Yeah, definitely. And then one other thing that you ⁓ may be able to do, depending upon your state, ⁓ to help with state taxes, is go and contribute to a 529 plan, which is for education for yourself or other dependent. And some states like Georgia, Indiana, Michigan, South Carolina, there's a number of them. They allow you to make that contribution all the way up to the   filing of the tax return.   The Dental A Team (17:13) Interesting. I did not know that I wrote that down. That's fascinating. I love this. This is like so fun. Keep going.   Alexis Gallati (17:20) Yeah. Yeah. So that, you know, is, a good, especially for, you know, higher earners. ⁓ that's kind of a good summary of what you can be doing before this, ⁓ April 15th or even the extended due date as well. ⁓ but when you start looking into 2026, who, that book, that book opens up, there is.   The Dental A Team (17:39) It does, right? It's like the   monopoly Bible. Like it's so big. Like how do I play the game of taxes? So I truly, and I think like for all the listeners, like the home office, the HSA, ⁓ retirement, the 529 plan, like there's still time. So go look at those things. And even if you can't contribute or do those things now, having that set up for next year, like, Alexis, truly, I'm like, I'm getting the popcorn. I'm getting my notepad. Like,   I am so excited because half these things I haven't heard of. And so it's very fun to just hear different perspectives. And I do love that you've got a legal background too. I love that you're in IRS. I love that you're in medicine and healthcare and like for your own personal savings too. It's like you're the Nancy Drew of like, how can I do the most amount through all of this? It's a very fascinating perspective you bring today.   Alexis Gallati (18:27) thank you. I appreciate that. yeah, when obviously when you are a W-2 employee still that your options are not as open for those that have a business. But ⁓ besides obviously retirement HSA that you can do all year, one thing that a lot of W-2 employees forget is to actually check with your employer to see what their reimbursement policy looks like.   The Dental A Team (18:29) course.   Alexis Gallati (18:55) because if you're maybe in a private practice with a large group, and I mean, these could even be groups that have sometimes hundreds of physicians in it, or even if it's just a hospital system, they'll have actually pretty generous reimbursement policies for things like your CME, your new loops, or going and   doing your mileage in between different hospitals or clinics, things like that. So making sure that you are keeping track of those things. Obviously, if you're a business owner, you definitely want to keep track of those. But some of my favorite for those that own their own practices, my absolute favorite is hiring your kids.   The Dental A Team (19:36) Of course, yeah.   Alexis Gallati (19:48) It seems so basic, but believe me, there are definitely steps in place that have to be done in order to make sure they ⁓ qualify. for me, the ⁓ court tested age is seven. So I usually don't recommend my clients going and hiring their kids until they're at least that age. You can do it younger, but the old my kids are models strategy is kind of ⁓ antiquated now just because ⁓   everybody has these great cameras now on their phones. And so it's kind of devalued, being a model ⁓ for those that aren't professionals basically. ⁓ But that's a really great way to shift income from your higher tax bracket down to their non-existent tax bracket.   The Dental A Team (20:21) Totally.   Right?   Alexis Gallati (20:40) and you can then put that money into a Roth IRA for them. And if you do that, let's say over like a 10 year period in 2026, that amount is 7,500 is the max you can put in. They're easily, by the time they're age 65, gonna have at least 2 million plus dollars in savings. So it's a really great way to create a legacy for your kids and give them a little headstart.   The Dental A Team (20:48) Mm-hmm.   Yeah, that's amazing. And I think so many people are like, I don't know how to help my kids with college or different things like that. And it's like, these are great ways to prepare them for the future for when they retire for things like that. I mean, how awesome I know a couple of ⁓ doctors because   The bulk of our audience, Alexis, are not W-2 earners. They are self-employed, like dental practice owners. ⁓ But I know that there were several that didn't tell their kids that they had done this for them. And then the surprise when they graduated college of, we've been putting this into place for you. I mean, shoot, that money's going to go to the government or to your kids. Why not invest in your children? You're going to pay that money regardless. So ⁓ definitely think that that's such a brilliant idea. And I've heard people, they're like,   their real job, like they have to have a real job. They're like a paper shredder. Like they like literally shred the paper or they open the mail or they like pick out the cards or they pick out the toys for the prize boxes, like actual legit jobs that they employ them for. But I think what an amazing gift and legacy to give your kids as well.   Alexis Gallati (21:51) they   Yeah, exactly. All four of my children are, obviously cerebral isn't a dental practice, but they're hired through cerebral. So that way they are earning enough to put that money into their Roth IRA. ⁓ And a lot of ⁓ my clients are like, man, I don't know what my kids can do. And like you said, there's a lot of admin work that they can do. Even a seven-year-old can.   like you said, shred paper, stamp envelopes. They can help with doing their ABCs and filing things away if you're an older ⁓ practice owner and they have ⁓ still the paper file system. ⁓ yeah, it really is a wonderful way to not only teach responsibility, but also to save. ⁓ I highly recommend ⁓ doing that. And even if you have parents that you financially support, you could even   The Dental A Team (22:45) Yeah.   Yeah.   Alexis Gallati (23:02) go and hire your parents through your practice ⁓ and write off their support. Of course, again, they need to also have a legitimate job in the business. with parents, you have to be careful if they have any benefits like social security or Medicare. Then you just want to make sure that you're not pushing them out of those benefits because of their income ⁓ or making any part of their social security taxable. So that takes a little bit more. ⁓   finesse than hiring a child.   The Dental A Team (23:36) No, that's great. That's a really good idea too, because I hadn't thought about parents. I have heard about children, but you're right, parents are retired. And if there's ways that you can support and give back rather than like, again, I love the government. I am happy to pay taxes, but if there's ways that I can support my own family, ⁓ I think it's great because I'm going to pay that money anyway, but paying it to people that I love and care about is really a great idea.   Alexis Gallati (24:00) Yeah. Another popular one I'm sure that you've seen on TikTok or other social media is the Augusta rule. ⁓ and this is where you're renting your home to your business. ⁓ and this is perfect example where documentation is absolutely critical. ⁓ but basically what happens is you rent your home to your business for 14 days or less. Those days do not have to be consecutive and your business gets to   The Dental A Team (24:07) Mm-hmm.   Alexis Gallati (24:28) right off the cost of that rent. So obviously lowers your taxes. But then you as the individual do not have to pay tax on that rental income. Now, if you do it for 15 days and you've ruined the strategy and you have to pay tax on all 15 days. So that's really important you do 14 days or less. But this is again a really great way if you have monthly board meetings, that's 12 days right there.   Or if you have employee parties, if you have colleagues over in discussing business, though, as long as you have a rental agreement in place between yourself and your business, and you document through meeting minutes everything that occurred during that event, then that is the documentation that the IRS would need in order to substantiate that.   strategy. And obviously a reasonable rental rate as well.   The Dental A Team (25:27) Yeah, no, didn't realize,   I did not realize that you needed a rental agreement. Can you expand more on that? like we check all the Airbnb's and the VRBO's in the area to see what does our house actually go for and like keep that documented every single year and then have an actual agenda and like have it in the calendar. So it's in our Google calendar. It's got an agenda. It's got a PDF didn't attach. But how does the rental agreement work? like, yeah, how do you, I didn't realize that that was a necessary piece to it.   Alexis Gallati (25:57) Yeah, so you can even just use ChatGPT to create it. ⁓ But essentially what you do is it's just that agreement between the business and personal. So ⁓ you just want to think about it like any other rental that you would do. If you were to go to a conference room in a hotel, for example, or go rent that Airbnb, you're going to be signing some sort of agreement saying that this can happen.   that this event can happen on this date. ⁓ you can either do one agreement for the entire year, spelling out like, here are the days that we're going to be doing these things, ⁓ or you can have an agreement for each time that it happens.   The Dental A Team (26:43) Very cool. That's super helpful. Yeah, I do love the addresses for all anything people. And I mean, I've had CPAs and like, don't go crazy. Like that's where I say like check Airbnb, check VRBO like what you think your house is worth versus what market value says your house is worth. Like, let's make sure that we are accurate on that. But yeah, that's definitely an amazing one that I think is great for offices to surely do.   Alexis Gallati (26:51) Yes.   Yep. Go and get two to three comps. So then that way can just take an average. I feel like that's a very safe way to, ⁓ show reasonableness. You're not just like, Hey, I'm taking the highest one on the block. You know, it's taking a few of them.   The Dental A Team (27:21) Totally. No, definitely agree. I love that. Okay, Alexis, what other ideas? know we're, I'm like just like sitting here. I'm like, I love this writing it down. Great ideas. What are some of the ones that like, yeah, anything else that's going to save us? Um, because like taxes are taxes and we are going to pay them, but like, what else can we do to, like you said, Bill Gates or, um, like Warren Buffett, what are the things that you found for like these higher net worth earners? Like, do they need to get into real estate and like use the big, beautiful tax bill or like,   Alexis Gallati (27:23) Yeah.   Okay.   The Dental A Team (27:50) anything else that you've seen that like really moves the noodles or is like, no, just the small consistent things are really going to help them out.   Alexis Gallati (27:57) Yes, well, they all help out. ⁓ But if you are looking for more of that, hey, Alexis, what's like Hail Mary that I can be doing to act to really save? ⁓ You can look at real estate. ⁓ That could be a whole podcast by itself. ⁓ But in general, you you tend to ⁓ get into real estate when you're not talking about like reets or things I can do through the stock market.   The Dental A Team (28:14) Right.   Alexis Gallati (28:26) ⁓ You're either doing like real estate syndications, ⁓ direct ownership, like long-term rentals or short-term rentals. And ⁓ each of those are treated differently and have different ways of making that ⁓ a tax deduction for yourself. So when it comes to, in general, ⁓ real estate syndications, this is where you're   The Dental A Team (28:49) Mm-hmm.   Alexis Gallati (28:54) buying into a partnership that maybe owns an office building. And you go in with other partners and ⁓ it's syndicated. So it's very passive. There's no way for you to write off any losses in that current year. ⁓ When it comes to direct ownership, the IRS basically says, hey, that real estate is considered passive unless you have real estate professional status or you do that short-term rental   deduction or excuse me, short-term rental exclusion. And so what ⁓ happens if you can qualify for the short-term rental exclusion or real estate professional status is that those what would have been passive losses that you can't use against your current income will be considered active losses. And then you can use it against your   active income, when I say active income, things like your W-2 or your business. So you're getting a current year deduction from that. And you can do cost segregation study to help accelerate depreciation. ⁓ So this is very, very much in the nutshell sort of explanation. ⁓ But it can really be a great way to lower your taxes if   The Dental A Team (29:57) Mm-hmm.   Yeah.   Alexis Gallati (30:16) you essentially want a second job. Just know that real estate is not as passive as the social media gurus go and ⁓ try to glamorize. It really does take a lot of extra work. You want to make sure that you are following the rules properly so that you can get that tax benefit in the current year. ⁓ But if you   The Dental A Team (30:19) Yeah.   Alexis Gallati (30:41) do have that prerogative and you want to learn and get do things properly, then it can really save you quite a bit of money.   The Dental A Team (30:48) Yeah. Are there any other things, Alexis, that are like real estate that save that much but don't require that much work? I'm asking you for the weight loss drug of taxes, please. What's our easiest way with the most amount of bang for buck that you've seen? These are the big hits that if you want, because agreed, real estate's great. If you do that short-term thing, but it is a lot of work. With the big, beautiful tax bill that came through, that 100 % depreciation is pretty fantastic. But like you said,   Alexis Gallati (30:54) Yes.   Mm-hmm.   The Dental A Team (31:17) got to have it rented out, you got to have the pieces, you got to like reno it like there are and you have to have it done by the end of the year and like it's a stressful zone. ⁓ So are there other things that you've seen that might be like 50 or 100 or 200,000 off taxes that aren't necessary real estate? The Augustus one, yes. Like paying people, there's things but is there anything else you've found that are like some of those bigger chunks that maybe people don't think about they don't recognize? Yes of course they're going to take a little bit more work but...   Alexis Gallati (31:17) You gotta work for it.   The Dental A Team (31:45) that you found that could be benefits to our audience.   Alexis Gallati (31:48) OK, so let's talk about my Hail Mary for tax savings. I   love this one towards the end of the year because you're going to want to know, have a good idea of where your tax situation is going to end up. So I use this a lot for year end planning. And this is oil and gas. When you ⁓ invest in oil and gas, again, just like with real estate, there's a lot of different options.   But my favorite is our drilling funds and this is where you invest in a partnership that owns oil and gas wells and these this allows you in that first year to Essentially write off usually somewhere between 80 to 95 percent of the investment that you've put in So let's say you invest a hundred thousand dollars Then you're getting about and let's say conservatively an eighty thousand dollar deduction that can go a   against your ordinary income. So if you're W2 or your business. usually, a good rule of thumb is that, let's say, if you're putting in $100,000, you're saving $30,000 in tax. You're putting in $200,000, you're saving $60,000 in tax. And then after year one, you're earning overall, during the life of the investment, about a 2x   The Dental A Team (33:10) Bye.   Alexis Gallati (33:11) you put   100,000, you're getting about 200,000 back. And so it's considered a very conservative investment. And just because the length of the investment, and this is one of the cons of it, is that it's usually about a 10 to 12 year period. So it's generally only about a 7 % return on investment over the life of the investment. the great thing about it is that   you let's say if you did put in that hundred thousand, you're getting that 30,000 in savings, and then you can go put that into something else that will earn you even more money. So then this is something that you can do every single year. And, you know, just depends on how much money you want to save and so that how much you put in for that investment.   The Dental A Team (33:57) Gosh, that's such a good one. And these are things of like just fun, like tips and topics. Like I said, it's the rules of monopoly. I caught like, how do we play tax strategy better? Alexis, what are any like resources? I feel like you guys have some resources. Like I feel the world of tax is so daunting. And so it's like, we hear from podcasts and we hear snippets and we see TikTok and it's like real estate games. like, where do people go if they like want to dig a little bit deeper and really become like more tax expert and more tax savvy and.   like tax strategy, like what are any resources you found or ways for people just to become a little bit more literate in the tax world.   Alexis Gallati (34:33) Yes, so ⁓ of course I'm to do a little shameful plug. My book, The ⁓ Advanced Tax Strategies for Medical Professionals, it's really just that it's a brain dump of all different types of strategies, whether it's for your business or W-2 only, charitable, these alternative investments. And so it's really a space.   The Dental A Team (34:36) as you should.   Alexis Gallati (34:58) for readers to learn more about their options. So then that was the way they can go online and do more research or bring it to their current advisor. So, you know, it's just about opening those possibilities. Otherwise, you know, one resource that is really great for especially medical professionals is the White Coat Investor that Dr. Dali, he has a wonderful, wonderful site and he puts out really good material.   The Dental A Team (35:11) Yeah.   Alexis Gallati (35:25) when it comes to not only taxes, but also for ⁓ just finances in general. And then, of course, on ⁓ CerebralTaxAdvisors.com, our website has wonderful ⁓ material that I put out all the time. There's lots of goodies there, as well as ⁓ different resources and worksheets and stuff like that.   The Dental A Team (35:52) Yeah, no, that's super helpful.   But Alexis, what do you find ⁓ as you go through this? Like one, how often are you meeting with your clients? Because I feel like so many CPAs and tax strategists meet with them in like December 1st and they're like, hey, you owe this much money. Is that how you guys plan? Like how should tax planning actually work?   or is that normal? Like I'm just trying to find a vibe of how this should work in the industry.   Alexis Gallati (36:15) Yeah.   Yeah. So when a medical professional first starts working with us, I design a tax plan for them. And that's really critical because right then and there, OK, what can we be doing to dramatically lower your taxes, legally, of course, and set you up for success? And then we meet with our clients at minimum twice a year. So we do a mid-year tax projection and a year-end tax projection.   The Dental A Team (36:34) course.   Alexis Gallati (36:45) And especially with medical professionals, your income is so variable throughout the year, depending upon insurance reimbursements or seasonality and things like that. And so we really want to make sure that we have a good, clear understanding, good six plus months in advance. Hey, what are you going to be owing tax wise? What does cash flow look like? What quarterly estimated payments do you need to make?   All of these things should not be a surprise. So that's why when I built Cerebral in the packages we have, I was really focused around how do we eliminate those surprises.   The Dental A Team (37:23) Yeah, no, I love that. that's super helpful because I feel like so many just wait till December and it's like, no, like there's things I could have been doing and if I would have known. So that's super helpful. And then I think the other question is like, okay, you guys are tax strategy. Are you CPA? Are you bookkeeping? Like kind of differentiate. Are you in the financial advisor world? Like what specifically would we say I need you for XYZ, but I'm going to need these people again, like marketing, right? Like what facet of my wealth management are you?   and who do I need paired with you?   Alexis Gallati (37:54) Yep, so we are your tax compliance, tax planning, your bookkeeping, and CFO services, and also business advising as well. So we're able to set up entities for you ⁓ as well as provide ⁓ just a lot of the years and years of experience that we have in running businesses and seeing different types of practices, et cetera. ⁓ We are not investment advisors, so we won't   say, buy Coca-Cola versus Pepsi. But we will introduce you to different investments that have tax benefits. And one very unique quality of Cerebral that's very different from other firms is that we do not take any commissions or kickbacks on any strategies we recommend or vendors we recommend. And we don't sell any products. So we're very education-based. I'm very focused on   you understanding your options so you can make a educated decision on what you want to move forward with. And then we are a white glove done for you firm that will implement those strategies on your behalf and make sure they're reported properly on your tax returns. Because that's what we've found being in this industry, especially specializing in medical professionals, is there's a lot of people out there that know about these strategies.   but they do not know how to implement them properly. And that honestly is 80 % of the fight when it comes to doing any of these strategies.   The Dental A Team (39:26) Yeah, no, that's incredible. So, and again, this is just like naiveness on my side. Do I need a CPA or are you guys the replacement of a CPA?   Alexis Gallati (39:35) Yeah, we're the replacement of CPA. We are CPAs. We are EAs. So we are taking care of your tax preparation, so personal and business. We do it all. I try to keep these packages as comprehensive as possible because I hate being nickel and dined. communication's a top priority for us. And so we don't want our clients to hesitate whatsoever to connect with us. And so that's why we don't.   The Dental A Team (39:56) Totally.   Amazing.   Alexis Gallati (40:05) shot like I, my gosh, I just got like a bill from my attorney the other day and it was for stuff that I talked to him about like in August. I'm like, I hate those pop-up bills. So that's yeah, that's, why I try to make it as comprehensive as possible.   The Dental A Team (40:10) Yep.   Right.   Awesome.   No, that's fantastic. That's really helpful. And I know a lot of people are very nervous to switch from their CPA. CPAs, feel like we're so embedded and we trust them with our souls. Truly, I see this. ⁓ So is there complementary calls we have with you? how do we start with that? Because I know, honestly, untangling from a CPA is such a pain. It is so annoying. so ⁓ how does that process work if people want to work with you, Alexis?   Alexis Gallati (40:46) So the best thing you can do is go to our website and go to the contact page. And you will ⁓ go through a very quick questionnaire to make sure that you're a good fit for us, because we also want to make sure we're a good fit for you. And we will ⁓ have a tax discovery session. And during that session, we will. We'll talk about what your needs are and what it's like to work with us. ⁓ I'm very focused on that return on investment. We actually have a guarantee.   with the design of our plans that I will save you at least two times what you pay us in ⁓ tax savings or you get the plan for free. And on average, our clients actually achieve 4.5 multiple with the design of our plans. So again, it doesn't make sense for us to work together if I can't save you more than what you're paying us.   The Dental A Team (41:39) That's amazing. No, that's incredible. And that's a great guarantee. And ⁓ then let's say hypothetical, we do get audited. How often do you guys go through audits and like success rate? Like I'm imagining if you were three years in IRS, you're probably pretty fantastic at that. But these are always things that I'm just curious. Like how does that work? And how often are your clients audited? And like, how is your success rate on that? And if you don't want to share this, I hope you do. We're just going to go for it. Like, yeah, I'm just going to ask the weird questions. Why not?   Alexis Gallati (42:01) Yeah.   I love the weird questions. They're the best. So yeah, that's one thing I can never guarantee that you won't be audited because of course there are always random audits that happen. We've only had three audits since I started Cerebral over 10 years ago. In 2014, I started Cerebral. ⁓ And ⁓ one of them was for the mortgage interest deduction. there's a limitation in that.   The Dental A Team (42:18) It's incredible.   Alexis Gallati (42:28) Um, and that was just, unfortunately, a client had not provided the correct information. And so we were easily able to just change it and be on our way. Um, and then another two were regarding actually real estate professional status. And that was just New York state saying, Hey, like we don't, we don't think that you're actually qualified for this. we're like, Oh, yeah, we do. Here's the paperwork. And they're like, Oh, okay. See you later. So yeah.   The Dental A Team (42:50) Yeah.   That's amazing.   That's a huge thing. And I'm so glad I asked the question because I think for me, that's something I'm curious on of like, I get it. Like you said, you can't guarantee that, but as long as you back in, do you guys charge extra for those audits or is that part of the plan? Like, nope, we stand behind it. Like, how does that work? Cause I know there's some firms that I have chatted with and if we do get audited, it's like 375 an hour for the audit. And I'm like, okay, like I'll just plan for that. But how does that work for you guys?   Alexis Gallati (43:18) Yep, so we back up all of our work and all of our packages. If you do receive a notice for anything that we prepare, you send it to us and we help you take care of it. So yeah, we 100 % back up our work. If you come start working with us and you have some a notice from a year that we didn't handle, like we didn't prepare, we'll still help you handle it. But that would be just.   at our hourly rate, depending upon the extensiveness of the notice. But to go back to your original question about making that change, I 100 % get it, especially if you've been with somebody for so long. And so you just have to look at that cost benefit and see, hey, staying with this person, how much is that costing me in tax savings versus   The Dental A Team (44:01) Right.   Alexis Gallati (44:12) going with somebody like cerebral and we try to go and make that process as seamless as possible when it comes to getting ⁓ up to date in your history and then ⁓ getting access to your bookkeeping and getting your tax returns. ⁓ And so, because I completely understand it can be daunting, but. ⁓   Happy to have a conversation around it when we meet about the discovery session and to see if it's something you'd want to move forward with.   The Dental A Team (44:43) Amazing. Alexis, has been such a great podcast and I just love meeting great individuals. I love how much you have a passion for the law and for the tax wealth and it's your own life and your own livelihood. So if people want to reach out, I know you said it before, how do they connect with you? So yeah, they can get started if they're interested.   Alexis Gallati (45:01) Yeah. So you can Google us or just go to CerebralTaxAdvisors.com. And which by the way, the reason why I have cerebral is because my husband is a private practice neurosurgeon and my dad's a retired private practice neurologist. hence cerebral in the brain. So if y'all can remember. But yeah, so CerebralTaxAdvisors.com is the best way to get a hold of us.   The Dental A Team (45:14) There you go.   I love it. Yeah.   Alexis Gallati (45:27) ⁓ And I look forward to potentially talking with y'all.   The Dental A Team (45:32) Well, Alexis, thank you so much for this. And for all of you listening, I hope you take advantage between now and April 15th. I hope you just like have a conversation. I'm always pro. I love CPAs. My CPA listens to this podcast and I'm always interested in meeting new people like Alexis, chatting with them. Are there different ways that they can benefit me? Because yes, I love my CPA, but I love more than that saving money and learning new strategies that maybe I didn't know about. So Alexis, I really hope a lot of them reach out to you, connect with you and for   All of you listening, thank you for listening. I'll catch you next time on the Dental A Team Podcast.  

The Trump Administration is suing California over “billions” in health care fraud, the elderly mother of Today Show Host Savannah Guthrie vanishes from her home, and the Senate votes to keep a federal agency alive after its CFO confesses to taking bribes. Get the facts first with Morning Wire.- - -Ep. 2615- - -Wake up with new Morning Wire merch: https://bit.ly/4lIubt3- - -Today's Sponsors:Balance of Nature - Go to https://BalanceofNature.com and order the Whole Health System supplements as a Preferred Customer today.Zoc Doc - Go to https://Zocdoc.com/WIRE to find and instantly book a doctor you love today.- - -Privacy Policy: https://www.dailywire.com/privacymorning wire,morning wire podcast,the morning wire podcast,Georgia Howe,John Bickley,daily wire podcast,podcast,news podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices

Do you ever feel like you're doing everything right – solid clients, fair prices, full days – and yet the hours and money still aren't quite where you want them?That tension usually isn't about missing one thing.It's the accumulation of small leaks most CPAs learn to live with: time lost re-reading emails, tracking tasks in your head, chasing clients for missing info, and doing quiet cleanup work that never shows up on an invoice.Pricing is one major leak.Systems is another.In this episode, Suzanne Green shares how tightening a few simple systems – not adding software or staff – helps her save 8–10 hours a week.Same clients, same output, less mental load, and the equivalent of a 17% higher effective hourly rate.It's a grounded, relatable conversation about where hours really go when your systems aren't doing their share of the work.…Link to full shownotes: https://www.businessstrategyforcpas.com/383…Want Pricing Essentials?If you feel trapped by your own accounting firm, it's not because of the work – it's how you've priced the work. Too many accountants are stuck in undercharging, overdelivering, and people-pleasing cycles. Break the pattern with my short PDF guide: 7 Pricing Essentials »It's free and you can read it in 5 minutes.I want to help you get your prices up without losing loyal clients.  …Want client interviews?310 From Exhausted to Having Her Life Back: Wendy Norman, CPA304 From 55 Down to 15 Hours; Same Take-Home Pay with Melissa Downs, EA293 What it Takes to Work 15 Hours per Week with Erica Goode, CPAComplete list:geraldinecarter.com/client-interview-episodes…FOUR ways I help overworked CPAs go down to 40 hours without losing revenue or hiring:THE EMAIL COURSE – Freegeraldinecarter.com/stop-working-weekendsStop Working Weekends will teach you how to reduce your hours without giving up revenue. THE BOOK – $9.99geraldinecarter.com/bookDown to 40 Hours – A Roadmap for CPAs to End Overworking Without Losing RevenuePEAK FREEDOM COMMUNITY – $197/mogeraldinecarter.com/peak-freedomFor solo and small accounting firm owners who want to rise above the insanity of hustle-cultureDOWN TO 40 HOURS ACCELERATOR – $995/mogeraldinecarter.com/40For the overworked CPA at multiple six figures of revenue who is ready to stop working weekends, wants to implement overdue changes, and doesn't want to do it alone. You'll make progress faster and with more confidence. …

As he nears the end of his first 100 days at Nintex, Burt Chao is doing something many new CFOs resist: listening more than talking. Understanding the business, its people, and its real growth potential comes before dashboards or directives, he tells us.Chao describes Nintex as a company with a “long and rich history” of helping organizations automate mission-critical work, but one now entering a new season. That evolution centers on orchestration—whether AI-enabled, agent-based, or rooted in RPA—while remaining clear-eyed about identity. Nintex, he explains, will not “become an AI company.” Instead, it aims to help customers leverage AI deliberately, embedding it where it strengthens the foundation of their operations, he tells us.That emphasis on fundamentals shows up quickly in how Chao evaluates performance. In today's environment, “there's no more important number than growth,” he tells us. Margins, profitability, and even rule-of-40 metrics only make sense once leadership understands what growth is possible and how it can be accelerated. Benchmarks matter, but only as tools; every business must be understood on its own terms, he tells us.That discipline has shaped some of the most challenging moments of his career. Chao recalls “shrink to grow” decisions—walking away from investments that still produced revenue but no longer delivered the best return. Those moments are rarely spreadsheet problems alone. They are emotional, cultural, and deeply human, requiring influence rather than authority, he tells us. For Chao, that balance—grounding strategy in numbers while leading people through change—defines the modern CFO role.

Ever feel like you did everything “right” and still got sidelined? We sit down with Andrea Mohamed, COO and co‑founder of QuantumBloom, to unpack why so many women exit tech and what it takes to build workplaces they won't want to leave. Andrea traces her journey from first‑gen college student to strategy executive and founder, sharing how an MBA unlocked confidence and how glass-cliff roles, nitpicky performance feedback, and unspoken power dynamics still got in the way. The message is clear and practical: stop blaming individuals and start redesigning systems, while equipping women early with the skills that make influence, advocacy, and staying power feel natural.We dig into the critical inflection points where women quietly disengage: the first year after a STEM degree, the leap to management, and the jump to senior leadership, where relationships and influence matter more than output. Andrea explains why the school playbook fails at work, how to unlearn “merit-only” thinking, and what durable skills, communication, negotiation, and cross-functional trust look like in real roles. We talk about psychological safety, manager capability, and pro-family flexibility that benefits everyone, not just mothers, and how these choices change retention.The conversation turns tactical for leaders and HR. Learn to quantify turnover, model retention ROI, and speak the CFO's language so talent programs no longer get cut. Andrea outlines how HR can evolve, as modern marketing did, moving from “arts and crafts” to a revenue partner, by connecting programs to profit. We also address DEI headwinds, the tall poppy problem, and the courage it takes to be values-aligned and visible without burning out. If you care about keeping women in STEM, building fair systems, and turning excellence into advancement, this one gives you the data, the playbook, and the push.If this resonates, follow, share with a colleague who leads teams, and leave a quick review so more people can find the show. Your feedback helps us keep these conversations bold and useful.Resources:Quantum Bloom is helping companies retain and advance women in STEM by fixing the systems that push them out Andrea Mohamed on LinkedInGet the LinkedIn Visibility Foundation. Use coupon code: "BOLDER" to receive $50 off.

In this episode, we talk with Nathanael and Kirsten Vossler from Rhema Now about hearing God's voice in everyday life and decisions. Nathanial shares his journey from the corporate world as a CFO to stepping into ministry, and how letting God lead has shaped the way he lives, works, and makes decisions. A real and encouraging conversation about trust, obedience, and following God's direction.Learn more about Rhema Now: https://www.rhema-now.com/aboutLearn more about There is More: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thereismorecollective.com/Check Out Our Resources, including the Father's House Study, Go to Girls, and the Spiritual Warfare Workshop: https://thereismorecollective.com/resourcesGet 10% discount on Father's House Study with code: FH10Follow There is More Podcast on Instagram: @thereismorepodcastPartner With Us: ⁠⁠https://neveralonewidows.kindful.com/?campaign=1284937⁠

Send us a textThis week's enterprise software news highlights a widening gap between glossy innovation narratives and the hard operational and governance realities shaping buyer risk. On the innovation side, BlackLine's launch of Verity for the Office of the CFO, Tray.ai's Agent Hub, Genstore's $10M seed round, and Blue Yonder's new TMS features underscore the accelerating push toward AI-enabled automation and orchestration layers across finance, integration, and supply chain. Versori's partnership with Fluent Commerce and Acumatica's 2025 R2 update further signal growing emphasis on ecosystem connectivity and incremental platform modernization. At the same time, the darker counterpoint is impossible to ignore: Zimmer Biomet's $172M ERP lawsuit against Deloitte, a major European city council's continued delays in fixing a failed Oracle system, and the EU Commission's investigation into SAP's practices reinforce how execution risk, vendor governance, and regulatory scrutiny are now front-and-center issues for enterprise buyers. Taken together, these developments reflect a market bifurcating between rapid AI-driven experimentation and escalating consequences for large-scale ERP missteps—raising the strategic stakes for both technology selection and transformation leadership.In today's episode, we invited a panel of industry analysts for a live discussion on LinkedIn to analyze current enterprise software stories. We covered many grounds including the direction and roadmaps of each enterprise software vendors. Finally, we analyzed future trends and how they might shape the enterprise software industry.Video: https://www.youtube.com/watch?v=_tFlYu6W_iwQuestions for Panelists?

Send us a text"RAISE CAPITAL LIKE A LEGEND: https://go.fundraisecapital.co/apply"DOWNLOAD "The Institutional Readiness Checklist":  https://go.fundraisecapital.co/institutional-readiness-checklist Are you struggling to bridge the gap between retail investors and massive institutional allocators? Most fund managers believe they are getting rejected because of their track record or IRR, but the truth is far more clinical: they simply aren't "institutional ready." In this master class episode of Making Billions, Ryan Miller reveals the institutional mindset to why returns alone never close institutional capital. If you want to raise capital from pension funds, endowments, or sovereign wealth funds, you must stop thinking like a salesperson and start thinking like a steward of capital.Subscribe on YouTube:https://www.youtube.com/channel/UCTOe79EXLDsROQ0z3YLnu1QQConnect with Ryan Miller:Linkedin: https://www.linkedin.com/in/rcmiller1/Instagram: https://www.instagram.com/makingbillionspodcast/X: https://x.com/_MakingBillionsWebsite: https://making-billions.com/[THE HOST]: Ryan Miller is a recovering CFO turned angel investor in technology and energy.Support the showDISCLAIMER: The information in every podcast episode “episode” is provided for general informational purposes only and may not reflect the current law in your jurisdiction. By listening or viewing our episodes, you understand that no information contained in the episodes should be construed as legal or financial advice from the individual author, hosts, or guests, nor is it intended to be a substitute for legal, financial, or tax counsel on any subject matter. No listener of the episodes should act or refrain from acting on the basis of any information included in, or accessible through, the episodes without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer, finance, tax, or other licensed person in the recipient's state, country, or other appropriate licensing jurisdiction. No part of the show, its guests, host, content, or otherwise should be considered a solicitation for investment in any way. All views expressed in any way by guests are their own opinions and do not necessarily reflect the opinions of the show or its host(s). The host and/or its guests may own some of the assets discussed in this or other episodes, including compensation for advertisements, sponsorships, and/or endorsements. This show is for entertainment purposes only and should not be used as financial, tax, legal, or any advice whatsoever.

On this episode of CFO at Home, Vince's guest is Albert Butler, CPA, MBA, and author of 'Life:, Truth, Love, Loss, Success, and Failure·. Albert and Vince discuss his inspiration and journey writing the book, and explore the impact of values, purpose, and transparency on shaping family financial decisions. Life:, Truth, Love, Loss, Success, and Failure is available now on Amazon. 01:55 The Inspiration Behind the Book 02:48 The Journey of Writing the Book 05:05 The Importance of Accounting in Personal Finance 09:21 The 50-Year Mortgage Debate 17:53 Purpose and Money Management 22:43 Family Values and Financial Transparency 28:29 Reflecting on a Memorable Christmas Key Links LIFE: Truth, Love, Loss, Success, & Failure @albertbutlercpa - Facebook @albertbutlercpa - Intagram @albertbutlercpa - YouTube Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

Ready for a fresh take on career transitions in finance? Tune into this engaging conversation with Steve McNally, a seasoned CFO and former global chair, as he sits down with Adam Larson to share real-world insights on what it takes to navigate change and earn your seat at the table. From jumping between Fortune 500 giants and small businesses to adapting to new roles and industries, Steve brings practical advice and lively stories—think learning operations on the factory floor and being the right-hand to the CEO. Discover why being inquisitive, building strong relationships, and developing real business acumen are essential for success. Plus, hear how staying curious and learning continuously keeps leaders ahead in a fast-moving world. Whether you're thinking about your next move or just want to hear what it's really like behind the scenes, this episode packs in thoughtful tips and inspiration for every finance professional. Don't miss it! ___________________________________________________________BILL is a leading financial operations platform for startups to established brands. Headquartered in San Jose, California, we're a trusted partner of leading US financial institutions, accounting firms, and accounting software providers. We empower business owners, CFOs, controllers, and accountants to save time and take control of their payables, receivables, spend, and expense management. For more information, visit bill.com.

The lesson arrived abruptly in a boardroom in Battle Creek. After months of analysis, charts, and market data, the president of Kellogg's cereal division looked up and said, “That's all interesting. I just don't know what to do with it,” Dean Neese tells us. The comment landed hard. It forced him to confront a blind spot early in his consulting career: insight without action is inert.Neese and his team went back, rebuilt the presentation, and returned a week later with clear recommendations tied directly to decisions, he tells us. That moment rewired how he communicates to this day. Every deck now starts with the message and earns credibility with data, not the other way around.That discipline carried forward as Neese moved from consulting into operating roles. At DocuSign, he chose to run both corporate development and integration so there would be no ambiguity about outcomes, he tells us. Strategy, in his view, only becomes real when someone owns the consequences. Living and working overseas reinforced that belief, teaching him that even the best analysis fails if it ignores cultural context, he tells us.Today, as CFO of Placer.ai, Neese applies those lessons through capital allocation. He often asks to see the budget before the strategy document because “where you're spending the money” reveals true priorities, he tells us. Drawing on research involving 400 executives, he points out that top performers make roughly twice as many major decisions each year as underperformers, he tells us.From a single uncomfortable moment at Kellogg's to scaling a data-driven company, Neese's career reflects a consistent principle: finance creates value when it accelerates decisions, clarifies tradeoffs, and turns insight into action.

In this episode, Joe Caristi, CFO of Speare Memorial Hospital, discusses strategies for sustaining and growing an independent critical access hospital amid reimbursement pressure, workforce constraints, and rising costs. He also shares insights on process improvement, AI adoption, and the importance of systems thinking and relationships in healthcare leadership.

This episode teaches you how to move beyond basic bookkeeping and start thinking like a CFO. You'll learn the difference between bookkeeping, accounting, and real financial strategy—and why strategy is what actually drives growth. We cover smart strategies, business finance habits, and money decisions that help you set goals, track KPIs, and plan for the future. You'll also learn how budgeting, forecasting, and weekly numbers reviews give you clarity and control. You don't need a full-time CFO to use these tools. You just need to be intentional and willing to lead. Listen now so you can make smarter decisions, grow faster, and keep more of what you earn.   Next Steps:

In this episode, Nick Olson, Executive Vice President and CFO of Sanford Health, shares how the integrated nonprofit system is advancing value based care, investing in rural health transformation, and pursuing smart growth through integration and partnerships. He discusses balancing financial stewardship with long term sustainability while expanding access and affordability across rural communities.

Katie Jones, EVP of Marketing Operations at PathFactory explains how PathFactory personalizes content delivery for buyers, allowing them to navigate their purchasing journey without traditional barriers like content gating. The discussion highlights significant changes in B2B marketing over the past four years, particularly the advancements in AI capabilities. Katie emphasizes the importance of focusing on pipeline generation rather than traditional lead metrics and the necessity of building strong relationships with sales teams and CFOs to measure marketing success effectively.   About PathFactory Providing the right content to the right individuals at the right time has become essential to enabling B2B teams to hit revenue targets. PathFactory is a content intelligence and personalization platform that enables B2B marketers to create personalized content experiences for both accounts and individual buyers. With PathFactory, go-to-market teams access the industry's deepest and most detailed content engagement analytics to track buyer and content engagement throughout the entire buyer journey.   About Katie Jones Katie Jones is the EVP of Marketing and Operations at PathFactory, responsible for leading the company's marketing strategy and operational execution with a clear focus on pipeline and revenue impact. With more than eight years at PathFactory, she has built and scaled a strong marketing organization grounded in data, personalization, and buyer-centric experiences. Katie lives outside Toronto with her husband, two daughters, and their dog, Hank.   Time Stamps 00:00:17 - Guest Introduction: Katie Jones from PathFactory 00:01:50 - Overview of PathFactory's Services 00:05:43 - Addressing AI Concerns: Hallucinations and Accuracy 00:12:37 - Measuring Performance and Overcoming Delays 00:15:41 - Shifting Towards B2C Marketing Strategies 00:18:50 - Future Trends: The Evolution of Websites 00:21:55 - Key Marketing Advice for Success   Quotes ""You need to build a really strong relationship with your CFO. If your CFO doesn't understand the strategy and the way that you're going to market... then you're never going to be successful in your company." Katie Jones, EVP of Marketing Operations at PathFactory. "You need to really understand your product and how that drives the strategy of the company. If you don't understand your product, you can't market it." Katie Jones, EVP of Marketing Operations at PathFactory. "Understanding the product is huge in order to grow. Tools will keep changing, but the strategy in which your business is built on is the thing that will endure." Katie Jones, EVP of Marketing Operations at PathFactory.   Follow Katie: Katie Jones on LinkedIn: https://www.linkedin.com/in/katie-jones-0188a12a/ PathFactory website: https://www.pathfactory.com/ PathFactory on LinkedIn: https://www.linkedin.com/company/pathfactory/   Follow Mike: Mike Maynard on LinkedIn: https://www.linkedin.com/in/mikemaynard/ Napier website: https://www.napierb2b.com/ Napier LinkedIn: https://www.linkedin.com/company/napier-partnership-limited/   If you enjoyed this episode, be sure to subscribe to our podcast for more discussions about the latest in Marketing B2B Tech and connect with us on social media to stay updated on upcoming episodes. We'd also appreciate it if you could leave us a review on your favourite podcast platform. Want more? Check out Napier's other podcast - The Marketing Automation Moment: https://podcasts.apple.com/ua/podcast/the-marketing-automation-moment-podcast/id1659211547

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Kiera is joined by Dr. Paul Etchison to talk about changing the mindset of turnover = failure. This transition is part of the evolution of leadership. Both Kiera and Dr. Etchison share their own experiences in remaining true to core values, and keeping their definitions of success separate from whether a team member stuck around or not. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera and today is an extra special day. I have one of my faves and every time we podcast, people say, you two just seem like you love each other so much. And I really do. I've been to this man's practice. We've been friends in the industry for I don't even know how many years pre-COVID. That's a long time. And we've been on each other's podcasts a lot. He has an incredible podcast. He's an incredible human, incredible friend, incredible mentor. I got the one and only Paul Etchison on the podcast today. Welcome. How are you today, Paul?   Paul Etchison (00:28) Hey, I'm good. And I was just thinking about how you mentioned like the pre-COVID thing. You texted me a picture of when you came into my practice for two days. And it was like before COVID. And what was funny about it, and I don't know if it's funny or not, but like I looked at it and half of my team has turned over. They're all new people. So I know. ⁓   Kiera Dent (00:36) cute.   Mm-hmm.   It's real life, Paul. That's real life. It is funny and isn't because I go back and I used to   be embarrassed about that. So let's just kind of highlight on that. I used to actually be very embarrassed of like, my gosh, I don't have senior team members. And like, I hate the question. There was a hot minute. The Dental A Team felt like I was Johnny Depp in the middle of the ocean and my boat was full blown on fire. And I was like, I just hope another one shows up soon. Like I hope something comes. ⁓   And then I realized that's business ownership. Like that's real life. And yes, we built these great cultures, but you outgrow team members and team members outgrow you in life circumstances. And I'd rather be honest and real rather than perfect. And so the fact that like teams shift in a lot, mean, shoot, I used to have this vision board, Paul, you want to hear how ridiculous this was? And I took the team and I put them in the one year, the three year, the 10, and I just had this like same team follow with me. That lasted me for like six months. And I was like, rip this thing up.   Paul Etchison (01:31) Yes.   You   Kiera Dent (01:40) It's   gotten better, it's stabilized, but I think that that's real life. So thanks for talking about it.   Paul Etchison (01:44) It's hard,   yeah, I mean, we look at it and I think like the beginning of my practice career, I had very little turnover, but it was, I had to put so much into keeping that. Like it was such a hard thing to keep going. there was a lot of team members that I kept and I was able to make them happy and I was able to have it be a productive relationship and they were good at the practice. But sometimes I look back on it I'm like, man, it was just, that was a lot of energy I put into one person. I should have just moved on.   So that's how I practice now. It's different. There's a little bit more turnover and I think that's normal and that's part of business ownership. So we're okay.   Kiera Dent (02:16) What changed in your mindset for that? I have so many questions for you today. You guys, Paul and I, when we get on the podcast, it really is just like a free for all. And Paul has no clue. I have a full plan of what I'm asking you today, ⁓ but it's going to be a free for all rift of business ownership of teams. How did you change that perspective? Because I think so many people chalk that up to, I'm a failure of a boss if I've got turnover. Like I had a doctor the other day on a coaching call and she's like, Kiera,   Paul Etchison (02:19) Yeah.   Kiera Dent (02:42) What am I going to do for PR? Like I've got people turning over and how do I PR this? So anything is twofold. One, how did you get like mentally change that mindset? Cause I think it's a big mental game.   Paul Etchison (02:54) Yeah, for me, was everything that I've done in my career as far as like leadership growth and stuff, I think has always stemmed from some period of just struggle and burnout to some extent. It was like, I got to the point where I was taking everything that happened at the practice personally, every upset person at upset employees, they're bothered about something. They're they always, I mean, they're telling you how you should be doing things that not realizing that there's very complicated solutions. And sometimes there's not perfect solutions. A lot of times there's   perfect solutions. So I think what changed for me is I started looking at it from a point of my mental sanity saying I can't attribute my feelings on the happiness of all these team members anymore.   And all I need to do is just be very clear on what I want, be very consistent with the way that I treat them and hold them to that standard. But ultimately, I'm putting the ball in their court. It's up to them. And if they want to play ball, cool. If they don't, that's cool too. We can still be friends and you can go to some other office where it's more to your liking. But the biggest change for me was just realizing I can't be everything to everybody. And I did it for a long time and it was really exhausting. And I worked through that and I feel a lot better   it.   I think my team   is better for it.   Kiera Dent (04:08) Yeah, no, I don't disagree. And I'm glad you talked about that. It's been fun. think Paul, you felt like, I don't know, a big brother to me when we met and I came out to your practice and the fun things we've been able to do together and just the differences. ⁓ I think as we've grown up in the industry together, but I, I admired that because I always thought you had this amazing team. And I think to hear your version and then my version at the same time was very similar. I just realized like,   We got a killer team. Like this is an amazing company. And I think when I evolved to you're so lucky to work here, you're so like not in an egotistical way, but I think in a confidence way of like, this is a great place and we're going to attract people. I started realizing like I had confidence to make offers of what we actually wanted to pay versus what I felt like I had to chase to get people to be here. ⁓ we pivoted and I used to like chase all the time and try to be everything for everybody. And then I'm like,   Why am I doing this? Kiera, like you have built a company and a culture and a space that people love. And yes, there are changes and I will continue on forever evolve. I don't think that we're a perfectly set company, but I think that we're a pretty great, awesome place to work. And I think when I became centered, confident in me and what I was providing in the culture without having to be everything, I noticed I actually attracted a way different type of employee. I attracted somebody who wanted that same style. They, it,   It was like no more like games. think in like compensation and all this, it was more just centered. It was like, this is what we do and this is who we are and I want great people. And I also think it was very much attributed to like, got dialed in on core values. And I was like, I'm sticking to these. These are like rock solid. do not deviate from that. And if you don't fit. Fantastic. There is another opportunity, like go find your dream place and we're going to find our dream team member. And I say that in a very like confident, hopefully not egotistical. And I think you, sounds like you did a similar thing, but I.   I will say, I think you go through a space of realizing you're not a failure. It's an evolution. I think of, of leadership. It's almost like going from, I don't want to say immature. It's more like children and how's they grow. Like, I don't think a little baby is a failure for having that knowledge and that mindset. And I think some of us, are toddler baby owners. Like we've never done this before. We don't know. So we're going to have a different mindset. And then you just start to morph and evolve just like   Children grow up and they morph and evolve into these teenagers, into these college students, into like the prime of their life. To me, that also feels like a maturity of leadership as well to being confident with that.   Paul Etchison (06:42) Yeah,   I love that you point that out too, because we do, we hear a lot of complaints from our team members and then we start to, it starts to add up and then we start to really doubt.   Did we really create a great work environment? I mean, we just had an all day meeting maybe about two months ago, maybe six weeks ago,   like that. And one of the questions I asked, we use this thing called Slido. It's just in real time, you put on a PowerPoint slide and everybody can vote on their phone. There's a million like programs that do this. But I asked the whole team anonymously on a scale of one to 10, how fun is it to work at Nelson Ridge Family Dental? And I was terrified to throw that   Kiera Dent (07:03) Thank   Paul Etchison (07:19) there. I had no idea what people were going to say.   Kiera Dent (07:20) I don't blame you.   Paul Etchison (07:22) It was everybody was like eight, nine. There was like three or four sixes. Now I have 30 something team members.   So the   Kiera Dent (07:29) Yeah.   Paul Etchison (07:30) of it was very good, but it was, it was scary.   if you would have asked me what I thought it was going to   Kiera Dent (07:35) Mm-hmm. Mm-hmm.   Paul Etchison (07:37) I did not think it was going to be that good because the squeaky wheel gets the grease. This, you know, that's what we hear. That's what we focus on. And it reminds me of this one coaching client I had, cause I coached dentists as well. had a coach coaching client named Isaac and he did very similar to you.   choir practice, he really got deep into the foundational core values of this is what the practice is. And   turned over his entire team and he said, I feel like such a failure. I feel like everybody's leaving. I feel like I'm just turning everybody off. Patients are coming in and asking where everybody is. I just don't think my leadership's good. And I told him, just hang through,   Hang, you'll find your people. And then six months later, he was like, I cannot tell you how much I love my team. And so I think the message of what you and I are saying, Kiera, is that no matter   Kiera Dent (08:12) Mm-hmm. Mm-hmm.   Right.   Paul Etchison (08:22) what you want to do with what kind of vision you have for your practice, your team's out there. They are there. They are waiting for someone to take charge and just make it a big deal that that's the type of people we have at this practice.   Kiera Dent (08:26) Mm-hmm.   Paul Etchison (08:33) So if anyone's listening thinking like, have this issue at my office, get those core values out, talk to the team about it. Don't just like leave it on a document, bring it up with ⁓ a meeting and say, guys, this is what I truly want.   And sometimes apologize. I'm   I haven't been holding everyone to the highest regard or the highest standard, but I'm ready to do it and I need your help. So I love that you brought up those two points. Those are amazing things and I think everybody struggles with that.   Kiera Dent (08:55) Yeah.   I think, and I think that that's something that I feel you and I both strive to do is tell people feel like they're not alone. I think so many doctors feel like I'm the only one out there. I'm the only one who can't keep my team there. I'm the only one who has team turnover. And like, this is not the path that we were even on my radar to head, but I think it's obviously the most important path for people to hear. ⁓ I think Paul, it's the no judgment. It's the hang through it. It's, ⁓ having a guide, a mentor who's been there, done that, done that successfully. I mean, you and I can both like,   Gosh, you like grit through that and it's painful. But I also believe that while yes, painful, I feel it's an evolution of soul that you actually internally are craving. I don't believe that we rise to the call until we're ready. Like Kieran 2020, when I'm sitting on Johnny Depp like boat in the ocean, it was on fire. I was not ready for the call and the evolution that came in 2024 for me.   Like I just, wasn't ready for it, but come 2024. And I think it's a, it's a shedding, it's a shifting. It's a, like, I call it like the skin sloughing. Like it's like a snake, like you're leaving it behind. It's, I watched penguins when I was in Antarctica, like small flex there, Paul. Like the Antarctica trip was pretty rad. And we watched it. Right? We went to Antarctica. Penguins are so cute and they smell terrible. Like they're like little ketchup bottles that just squirt poop all day long. And it's disgusting.   Paul Etchison (10:11) I was just going to follow up on that. Whoa.   Kiera Dent (10:25) but they were molting when we were there and they just looked absolutely miserable. Like they sat there and they told us like, please don't touch the penguins. like, these look just, they're like, it's very painful for them. They're having to completely molt off all of these feathers. And I think that that's how I feel a lot of business owners are like, are you going through that molting process? But again, just like those penguins, just like us, I really do believe that when we're ready to be called to that higher level, one, you're not alone, two, you don't have to go through it alone.   Three, it's normal and it's part of growth, but like, there's also, you don't have to grow until you actually want to. Like, it sounds like Isaac was just ready. Like, I'm ready, I'm done. Like, I've hit my limit. I was ready, I was done. I was like, we are having a complete culture shift. Like, we're done and like, it needs to evolve. Sounds like you had it. But I also feel, and I don't know how you feel, Kieran 2020, Kieran 2024, even into 2025, leadership culture company.   keeps evolving. don't feel like I have as many of those like huge molting in 2020, huge molting in 2024, 2025. It's more of a shift in a refinement rather than a full molt. But that's, think how, at least for me, that's how I think I view leadership is.   Paul Etchison (11:37) Yeah, totally agree. It's like we go through these stages of leadership growth. And I remember for me, like leadership all the way up to COVID was like system, system, systems, consistency with team. And my team grew to like 35, 40 people and it got really unmanageable. And then when we came back from COVID from being shut down, I really wanted to try to do something different. And I wanted to keep that. ⁓   I just loved when we were shut down for COVID. I loved how it felt. It felt easy. And I said, I want that, but I don't want that craziness when we open up again. And when I did, I started to feel that same craziness. And I was going to therapy at the time. And like the therapist will tell you, just change your expectations. Don't take everything personally. And what I learned through that is there's no amount of therapy that can   broken leadership   Is that I had systems, I had consistency, but my team   had outgrown those systems. We needed more systems of leadership. So the next stage in my leadership was learning how to lead leaders and truly delegate and truly give them the autonomy to do everything. And when we did that, everything got so much better. there was parts of me that was like, I'm not the right person for this level of organization. not the right person for this size of a dental office. I'm just too anxious. I take   Kiera Dent (12:41) Mm-hmm.   Paul Etchison (12:59) too personally. And ultimately, I think it was just I   Kiera Dent (12:59) you   Paul Etchison (13:02) set up, I didn't set up my organization the proper way. So that was the next level up for me. And I think that's me shedding my skin finally once and for all to learn how to lead leaders. And who knows what's   Kiera Dent (13:14) Paul, I think that you are actually a really good example of letting go of control. How do you do that? Like,   I remember talking to you one day, this is offline, hopefully I'm not oversharing. And you're like, a lot of people say, like, what are you going to do if you retire? And I know you sold your practice to a DSO and you're like, I've never looked back. Like it was great. Um, you're like, I'm actually the person who's okay to just like sleep in and do nothing. Like I really am okay with that. Like, how did you let go of that control with your team? Um, knowing that they weren't going to do it exactly like you, like, I think people have this in theory. They try to do it, but.   Paul Etchison (13:23) No, of course not.   Kiera Dent (13:49) Like that's another molting. That's another really hard gap to go from full control. You're in charge of everything to I'm stressed out. Now I'm going to let team members take over and maybe you're, maybe you're an anomaly, maybe you're a unicorn, but how did you do it?   Paul Etchison (13:59) Yeah.   I think it's like we talked about the growth, but I think where we screw up as practice owners when we do this is we get upset that the team members are not doing exactly the way that we would do it. And there needs to be some wiggle room. There needs to be a lot of forgiveness. But ultimately, there's got to be clarity. And not enough practice owners are having the conversations with their team members. Like I always say, like, I'm coaching dentists all the time, and they're telling me about these issues they're having at their practice. And I'm saying, well, why do you think that is? And the answer is like, well, it might be this.   kind of think it's this and it's like, well, get curious, ask, ask your team. So for me, it was about telling my team what's expected and when   Kiera Dent (14:36) Mm-hmm.   Paul Etchison (14:42) didn't meet expectations, instead of like dancing around it, just going right at the   getting curious, what is going on with this? What is, why is this not happening? And then always like, you know, if you ask the right questions, the next step for any leadership, any leader is to validate their perspective.   no matter what it is and that will go so far. If you take one thing out of this podcast, do that. When your team members share something with you or if you're getting curious, asking them why things are happening, how they're feeling about something, validate their experience and watch how much they open up and they're.   open to behavior change and other options. And then that allows you the opportunity to then ask and invite participation in the solutions. What do you think we should do?   I noticed our cancellations are getting up there. Like, what are we doing about this?   What do you see happening? Getting curious. And they're saying, well, I don't know. Like, I got to ask some more   OK. And then validate their experience. I totally see how maybe you got busy with your other things and you haven't been asking your team. But we've got to ask the team and find out just so many little things.   For me, was getting out of the way, being clear with expectations. But then instead of trying to go around my leads and my leaders, my practice and go around them and deal with the other other teams myself, I let them do it and I let them fail and I help them and I support them.   And I think I know there's a lot of like team members that listen to your podcast, Kiera. I would hope if you're listening to this and you're team member, I would hope you understand how valuable you are to an owner. If you can take things, find solutions and hold your, your team members, your fellow coworkers to a certain standard, like you would be so valuable. Everyone's like, well, how can I get a raise? How can I contribute more value? I would people on my team, my leaders that do this for me, they are so valuable to me and every owner.   is just waiting for somebody to step in and fill that role. I mean, every practice could use   Kiera Dent (16:38) team members, their number one objective is to make their doctor happy.   every day, all day. That's like what my job is. That's what I want to do. That's how I want to serve. That's how I want to help out. ⁓ And I think as owners, I think it can be easy to see all the problems in your team. But I think it's what pair of sunglasses do I want to put on? Do I want to put on the one where I see like, what's wrong is just as available as what's right. Both are always available in every single scenario, every single situation. And so what are we bringing to the table and how are we looking at these different things?   How are we guiding our teams? How are we guiding our leaders? How are we showing up as leaders? How are we like, what is the filter I'm putting on every single day? Like those, those two sunglasses are right there as you walk out the door and which pair are you choosing to put on? Cause you're going to influence impact and create a team. No matter what we see what we want to see. And I believe that we create our own realities. I believe that reality is what we believe it is. And so, ⁓ I think shifting that seeing that, and I think having just a bigger plan, a bigger vision. know when I got very crystal clear of where am I headed?   What is my role? Like, this is gonna sound funny, Paul. I literally Googled like, what does a CEO do? I think doctors come out of school, like you're a doctor, like you do the dentistry, like that's what I'm supposed to do. And I remember one day I was sitting there and I'm like, what is the CEO even supposed to do? Like, I don't even know, like, like really, like where is a CEO, like dictionary, like job description, I realized, got it. It's profit, vision, and culture. Like those are really my main things. Stay out of the weeds and like go for it. And...   Paul Etchison (17:43) you   Kiera Dent (18:04) That's what I'm bred to do. Bring the great ideas, bring those different pieces. That's my job. That's my responsibility. I think dentists also have the second tier of you do dentistry too. So you are a clinician in there and then you have those pieces. But driving culture, driving a culture of accountability of fail, fail forward. like, gosh, I just read this really awesome book and they said, we measure it by outcomes, not activity.   Like just stuff like that. Like you start to become this person who wants to evolve your culture, evolve who your team is, evolve who you are as a person. And I think Paul, even in just knowing you, I think there's been an evolution of who you are as well. ⁓ I think that is just, and hopefully I've evolved too, like fingers crossed there's been an evolution and I'm not as quite, I don't know. I think we keep the best of ourselves. And then I think just evolve into our 2.0, 3.0, 4.0 levels. I guess I just asked the questions of   Paul Etchison (18:42) Absolutely.   Kiera Dent (18:58) I think you've got a fascinating story. You were full, full practice owner. You were in there. You sold out to a DSO. You're still in your practice. You still train. You, you've evolved. If you were sitting back when I met you, what would you tell that Paul of what you know today that would have made that whole experience, whether you're selling, whether you're growing, evolving. I mean, you have a very large practice. It's been real fun to watch you and your practice and everything. What would you have told that Paul?   Paul Etchison (19:27) Yeah, and this comes up a lot with my coaching clients. A lot of people ask me that. And one of the things, if we're looking at our practice, and I'm going back to the beginning, is if we want to sell our practice, if we want to cut back our days, if we want to have the most profitable practice ever, a lot of the times the strategy is identical. We're just trying to go through and create more freedom for ourselves as practice owners by empowering our team, getting them to do a lot of the responsibility.   Kiera Dent (19:48) Mm-hmm.   Paul Etchison (19:57) to be accountable for a lot of the stuff. So I think if I could go back and tell myself again, man, first of all, just stop taking everything so personal. And you come in and you look at it with these different lens of leadership and maturity and all these leadership skills. It's not just at the practice. It shows up in your relationships with your spouse, with your friends, with your kids, like all these things. Like it's all intertwined. But I would have much earlier got the leaders going in my practice because one of the things   Kiera Dent (20:16) Mm-hmm. Mm-hmm.   Paul Etchison (20:27) happen through my practice sale is I just like I mentioned I felt like it wasn't I'm not cut out for this I'm sick of being miserable I'm sick of being stressed I'm sick of taking it home and I'm sick of taking it out on people that I love and so when I sold it I said okay I'm on my three-year exit plan I'm getting out of here I'm moving on I don't know what I'm gonna do but I'm gonna move on so I said you know my associate partner Dr. Kathy she owns part of the practice too   I'm gonna pass it to her and maybe she won't be able to do it as well as me. But I need to set this up so she is just, I wanna bless her with this amazing practice that runs on its own. And in the process of setting that up with my leaders, I realized, dang, I don't know if I would have sold. And I'm still happy I sold, don't get me wrong. I'm not saying I would have, but that's what I would have tried to do early in my career. I would have went, who are the leaders? ⁓ The whole thing with like the Dan Kennedy of the who, not how. Not how do we do it, but who's gonna do this?   Kiera Dent (21:11) Mm-hmm, mm-hmm, mm-hmm.   Right.   Paul Etchison (21:25) And I would have leaned into that a lot more because I think I would have been a lot happier. I would have been able to enjoy the journey more. But at the same time, it's like we learn from our mistakes and you got to make the mistakes to learn from. So it's like, so that whole Catch-22, would I change anything? I don't think so because I wouldn't be, if I didn't have the same experience, I wouldn't be the person I am today. But man, I wish I had learned it earlier. That's for sure.   Kiera Dent (21:45) Sure.   It's fair. And I'm actually happy to hear that because I feel like this is like the DSO conundrum and like the cell. And I'm happy to hear you say that because it validates what we try to coach on to. So many doctors are like, I'm just going to sell. And I'm like, well, let's just look at this. If you sell, let's look at what your life will look like on the other side of it. Let's look to see where you are today. And really, let's get to the root of why do you want to sell? And I think, Paula, if we would have asked you that same question.   Why did you wanna sell? My hunch is it was all these problems, all these issues. It was just like, I'm sick of it. Like, let's just pass this on. Let's move on. When a great leader, a great office manager, a CEO, a CFO could have easily come in, taken over for you. You could have had the exact same scenario. You just would have owned it and had more options on the table. Like you said, it's not right, it's not wrong. But I think like for everybody listening, I think today is a good reflection of one, are you going through a molt? Like, are we molting anywhere?   ⁓ and do we, or do we need to molt? Like, is there something we need to shed, let go of identity wise? And then two, I like to do this reflection a lot. And I encourage a lot of people to do it. It sounds like Paul, you do it. Like when we're in these issues in these problems, are we stopping and pausing and asking like, what is the root? Not the symptom, the top line symptom is like, I'm so stressed. And I got this and this and this, but like, do we ever stop and pause to dig to that route and find out   what is really at the root. For me, I often have many journals that are like this, this, this, and I just like list it all out of all these things are frustrating me. But what I'm trying to do is find what is a thread? What is the piece in that that's causing the chaos because then we go fix that. And that's what I love in practices because 99 % of the time what people tell you on the top line, so coaching offices, coaching doctors, coaching teams, like Paul, you know this, I know this. What people tell you at the top is not really what's the problem.   It's the bottom layered, there's something rooted, there's something under there. These are just symptoms on the top. Same thing with patients and case acceptance, right? It's the up at the top, what they're telling you is not really what they're feeling. And all you gotta do is just dig under, find out what that root is and stress and that will go away. And so Paul, thank you for, I just am curious. I've always been curious, like, would you have done something differently? Of course we never can, like, no, we're not going to. But if I could go back and tell that younger self things, like,   Kyri, get rid of your ego, honey. Like trust your team, trust that team to do amazing, trust them to do better than you are, trust them to be better than you, trust them to make better decisions than you do, because I want to create that kind of a team and me believing that is going to ultimately turn my team into that. They have the whole study about teachers with kids and IQs and like if they believe that they have a stronger IQ without doing anything different, that child actually ends up with a higher IQ. Well, why don't we take that same principle and apply it to our teams and see what happens.   Paul Etchison (24:23) Yeah.   It's so true. And I love that you say like the reflection that you did, because I noticed this with my coaching   is that there's a lot of, there's a lot of how, how do we do this? How do we fix this? But I think anyone listening, if you just sat down in a dark room, maybe not dark room, but you're sitting down in a quiet room for 30 minutes and you reflect it, what do I really, you know, I do this with my coaching clients. We call it a practice clarity and frustration exercise. What do we, what really bothers you with the practice? What is it that really just, you know, grind your gears,   it down and it sounds simple but once you write it down you can like visually see it and start to brainstorm for solutions and you start to make this progress that not only affects the way your practice runs but the way that you're the way that you feel and I think ultimately as practice owners we need to realize that the CEO hat you mentioned what does a CEO do we need time for that and we don't have time for that when you're doing four or five days of dentistry that's why when I'm working with clients the first thing I'm gonna do with a practice owner is I'm gonna get them down to three days clinic   Kiera Dent (25:10) Mm-hmm.   Paul Etchison (25:27) And it always works. so inefficient. There's so many things we can do with scheduling and efficiency and production that we can get you down to three days clinical. But now you've got that extra day to put on that CEO hat, to reflect on the things, to write down and figure out what your plan of attack is. I mean, that's what I've got a workshop coming up in February that that's focused on that. How do we get you down to three days? And that's all I want to do in this three day workshop. We're, of course, doing these reflection activities. But I think this is over the course of my career and working   Kiera Dent (25:27) Mm-hmm.   Paul Etchison (25:57) with people, that's what I've seen moves the needle the most. We need time and we need to give the energy where it's due. And it's not, we   be 100 % clinician. It just doesn't work that way.   Kiera Dent (26:09) Yeah, no, Paul, I love that. And think that's such a fun thing. I think dentists need this. Dentists need to have their vision, have their clarity. But I think from today, the wrap is it started out with a photo, unexpectedly, of this is what we're ⁓ kicking the day off of, going from where we were to where we want to be, ⁓ looking at that, reflecting back, seeing. Because   Paul Etchison (26:23) Yeah. How do we get here?   Kiera Dent (26:34) There's a client that you and I both know. They're pretty well known ⁓ that we work with. whenever I work with, gosh, it's so many practices. I think there's like 300 employees and I'm like, gosh, I remember all their names every time. ⁓ But they talk about how sometimes the best learning is just remembering. Remembering where we've been, remembering where we're going to go, remembering things that we've learned looking there. So it's like remembering where I've been so that way I can kickstart and project into where I need to go.   using your team to get there. Your team wants to be your best asset for that. So Paul, those are kind of my wrap thoughts. I know today has just been a real fun day. Always enjoy a good podcast with you. Any last thoughts you have?   Paul Etchison (27:15) No, you know, I would just close it off with   having the listener just believe, just believe in the possibility of what's going, what is possible with your practice. ⁓ There was a point where we talked about reflection. I reflected and I said, I wrote down everything I do at the practice and I wrote down how many of these activities bring me joy and how many of them I hate. And I believe it was something like 80 % of them I hated. So that's no way to live your practice life. You spend a lot of time at work. So why not do the reflection and put the time and energy into   Kiera Dent (27:38) Mm-hmm.   Paul Etchison (27:45) Making your practice a better place to be at it's not just gonna affect you. It's gonna affect your family. It's gonna affect your team ⁓ There's big your ripples that come from this little thing So I would say sit down find a coach find a mentor read some books it is possible believe in yourself and It all starts with the planning so sit down and write down some things journal love it   Kiera Dent (28:09) Journal it up. Well, Paul, I appreciate you so much.   I ⁓ just love what you're doing for our community. I love the things that we're able to accomplish together. ⁓ And yeah, guys, check him out in Dental Practice Heroes podcast. He's got some great stuff over there as well. ⁓ Paul, so good to have you on the podcast. I think you mentioned the event in February. If people want to know more about that, how do they connect with you on that?   Paul Etchison (28:35) Yeah, go to DentalPracticeHeroes.com slash freedom. So that's where the information on the three day workshop, it's going to   awesome. And I'm doing a money back guarantee. If you don't think you liked it, if you don't like what you signed up for, I'll give you all your money back. I believe in it that much. And I know from me coaching for the past six years, I know this is what produces results. So go check that out,   more about the courses, check out the podcast. And I'm always happy to talk to any listeners if they want some help or they just want to find out what we're more about. Please just go to the website, DentalPracticeHeroes.com.   dot com.   Kiera Dent (29:06) Amazing. Paul, thank you so much for being on the podcast. For all of you listening, I hope you do take the time to reflect. I do hope you think about where you want to go and what you want with your life. And just appreciate you guys all being here. And as always, thanks for listening. I'll catch you next time on the Dental A Team Podcast.  

In this episode of Run the Numbers, CJ sits down with Dan Griggs, CFO of Intercom, to break down how finance leaders should think about pricing, forecasting, and resource allocation in the AI era. Dan explains why “it's not zero” is his guiding forecasting principle, how Intercom landed on 99 cents per AI resolution for Fin, and what it means to build an AI product that could eventually cannibalize a successful SaaS core. A candid look at managing uncertainty while still making bold bets.—SPONSORS:Brex is an intelligent finance platform that combines corporate cards, built-in expense management, and AI agents to eliminate manual finance work. By automating expense reviews and reconciliations, Brex gives CFOs more time for the high-impact work that drives growth. Join 35,000+ companies like Anthropic, Coinbase, and DoorDash at https://www.brex.com/metricsMetronome is real-time billing built for modern software companies. Metronome turns raw usage events into accurate invoices, gives customers bills they actually understand, and keeps finance, product, and engineering perfectly in sync. That's why category-defining companies like OpenAI and Anthropic trust Metronome to power usage-based pricing and enterprise contracts at scale. Focus on your product — not your billing. Learn more and get started at https://www.metronome.comRightRev is an automated revenue recognition platform built for modern pricing models like usage-based pricing, bundles, and mid-cycle upgrades. RightRev lets companies scale monetization without slowing down close or compliance. For RevRec that keeps growth moving, visit https://www.rightrev.comRillet is an AI-native ERP built for modern finance teams that want to close faster without fighting legacy systems. Designed to support complex revenue recognition, multi-entity operations, and real-time reporting, Rillet helps teams achieve a true zero-day close—with some customers closing in hours, not days. If you're scaling on an ERP that wasn't built in the 90s, book a demo at https://www.rillet.com/cjTabs is an AI-native revenue platform that unifies billing, collections, and revenue recognition for companies running usage-based or complex contracts. By bringing together ERP, CRM, and real product usage data into a single system of record, Tabs eliminates manual reconciliations and speeds up close and cash collection. Companies like Cortex, Statsig, and Cursor trust Tabs to scale revenue efficiently. Learn more at https://www.tabs.com/runAbacum is a modern FP&A platform built by former CFOs to replace slow, consultant-heavy planning tools. With self-service integrations and AI-powered workflows for forecasting, variance analysis, and scenario modeling, Abacum helps finance teams scale without becoming software admins. Trusted by teams at Strava, Replit, and JG Wentworth—learn more at https://www.abacum.ai—LINKS:Dan on LinkedIn: https://www.linkedin.com/in/dan-griggs-0970181/Intercom: https://www.intercom.com/CJ on LinkedIn: https://www.linkedin.com/in/cj-gustafson-13140948/Mostly metrics: https://www.mostlymetrics.com—RELATED EPISODES:Inside Rocket Companies: M&A, Metrics, and Mortgage Moats | Brian Brownhttps://youtu.be/ttedn4AULt8—TIMESTAMPS:00:00:00 Cold Open00:01:03 Intro to Dan Griggs and Intercom's AI Pivot00:02:45 From Ice Cream to SaaS: Early Finance Lessons00:04:19 Learning the Business by Living the Operations00:06:26 Why Operational Reality Shapes Better Forecasts00:08:00 “It's Not Zero”: Forecasting the Unknowable00:10:09 Scenario Planning, Ambiguity, and Psychological Safety00:11:23 Sponsors — Brex | Metronome | RightRev00:14:43 Keeping a Mental Model of Key Business Metrics00:16:15 Using Mental Math to Sanity-Check Forecasts00:17:28 Core Ratios Every CFO Uses to Vet Decisions00:19:13 The Burn-the-Boats Moment for Intercom's AI Pivot00:20:53 Why AI Was an Existential, Not Incremental, Bet00:22:21 Which SaaS Categories AI Can Fully Replace Work00:23:04 Why Finance Hasn't Had Its AI Moment Yet00:23:39 Sponsors — Rillet | Tabs | Abacum00:27:05 Why Fin Needed Outcome-Based Pricing00:28:59 The Tradeoff Behind $0.99 Per Resolution00:30:46 Why Support Conversations Vary in Complexity00:32:01 What Drives the Unit Economics of AI Resolutions00:33:08 How Intercom Chooses Models as Costs Fall00:35:19 Replacing Generic LLMs With Domain-Specific Models00:36:08 Selling an AI Product That Could Cannibalize the Core00:38:50 Founder CEOs Versus Professional CEOs00:41:47 Hiring Mistakes and Acting on Instincts00:44:28 Intercom's Finance Software Stack00:45:49 The Craziest Expense Request#RunTheNumbersPodcast #Intercom #AICustomerSupport #OutcomeBasedPricing #CFOInsights This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit cjgustafson.substack.com

In this episode of FP&A Unlocked, hosts Paul Barnhurst and Glenn Snyder sit down with Jeffrey Bernstein to explore how finance leaders can better communicate financial insights and influence decision-making across an organization. The conversation focuses on the gap between technical financial knowledge and the ability to clearly explain what the numbers actually mean to non-finance stakeholders.Jeffrey is a Senior Managing Director and Head of Capital Markets Advisory at Riveron, a leading advisor to the Office of the CFO and Private Equity. Early in his career, Jeff was a Managing Director at Goldman Sachs, where he helped execute IPOs in the technology sector for over a decade. Afterward, he spent more than 15 years as a portfolio manager investing in disruptive public and private companies. For the last eight years, Jeff has served as a trusted strategic advisor to pre-IPO companies, guiding them toward successful public exits.Expect to Learn:Why finance professionals play a crucial role in the IPO processHow to prepare a company financially for a successful public listingThe importance of building financial trust with public investorsHow to evaluate the readiness of your financial systems and team for the IPO processHere are a few relevant quotes from the episode:“The biggest change from private to public is transitioning from over-promising to under-promising and over-delivering.”- Jeff Bernstein“Financial integrity isn't just about the numbers; it's about being transparent, avoiding gimmicks, and sticking to metrics that have real meaning.”- Jeff BernsteinJeff shares valuable insights on the complexities of going public, managing quarterly earnings, and maintaining investor trust. He also discusses how FP&A teams can help steer the company through financial reporting, forecasting, and strategic decision-making post-IPO.Follow Jeffrey:LinkedIn - https://www.linkedin.com/in/jeff-bernstein-498a23158/Company - https://www.linkedin.com/company/riveron/Website - https://riveron.com/Follow Glenn:LinkedIn - https://www.linkedin.com/in/glenntsnyder/Earn Your CPE Credit For CPE credit please go to earmarkcpe.com, listen to the episode, download the app, and answer a few questions and earn your CPE certification. To earn education credits for FPAC Certificate, take the quiz on earmark and contact Paul Barnhurst for further details.In Today's Episode[01:42] – Meet Jeff Bernstein[04:58] – Transitioning to Public Company[08:36] – The Role of FP&A in IPO[12:44] – Investor Trust and Forecasting[17:10] – Financial Integrity[21:58] – Preparing for the IPO Process[26:35] – Stress-Testing Forecasts[30:42] – Earning Investor Trust[34:18] – Organizational...

In this episode of Direct Approach, Anthony Varvaro, COO and CFO of InGroup, joins Wayne Moorehead to explore why data-driven leadership is essential in modern direct selling. From global scale and compensation design to balancing qualitative feedback with financial reality, Anthony shares how disciplined use of data drives clarity, trust and better decision-making.

Mark Thumser, CFO of MUFG Americas, discusses how the bank is financing data centers to boost the AI revolution. He introduces MUFG Americas, calling it a “structured solutions house,” and explaining the kind of banking that it does. He believes AI is going to be the biggest industrial transformation in the world's history and is “playing the long game.” Mark also talks about his outlook for U.S. economic risks and why he anticipates 3-4 rate cuts this year. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Chris Capozzi, CFO of Ethos Technologies (LIFE), discusses their IPO and the life insurance business. With Ethos, you can buy life insurance “in ten minutes,” with no medical exam, with the ease of “buying a plane ticket.” They have one of the largest “buy boxes” in the industry, and he explains how this lets Ethos cover a wide variety of applicants and policies. Chris explains how AI is helping them transform the industry. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Troy Anderson is CFO of Kelly Services, a staffing solutions provider to various industries, who has spent his career driving transformation across some of the most complex business environments. Before joining Kelly, he served as CFO at Universal Technical Institute, where he helped double revenue over five years through a mix of organic growth and strategic acquisitions. Earlier in his career, he held senior finance leadership roles at Conduent, a $6billion player (bought by Xerox).  Conduent life cycle a $6b public company acquired by Xerox Investor relations at Xerox as a game-changer for my career  Making finance a partner across the value chain Business Process Outsourcing vs AI The need for a deep understanding of your business  Catch the full transcript below

Weight Watchers became one of the most trusted brands in weight-loss by emphasizing the importance of human connection. Now, medications like GLP-1's have completely changed the weight loss landscape, and Weight Watchers has adapted their platform and product offerings to meet the moment. Tara Comonte became the President and CEO of Weight Watchers in February of 2025 after serving as a director since June of 2023. Tara has over two decades of executive leadership experience across corporate and digital strategy, technology, operations, and finance. That includes serving as CEO of Tomorrow Life Sciences, CFO of Shake Shack, Chief Financial and Business Affairs Officer at Getty Images, and CFO of McCann World Group, the world's largest marketing communications business. Today, Tara takes us through a whirlwind year for Weight Watchers, and discusses her plans for reinvigorating the brand through innovation, while maintaining their emphasis on personal connections.Highlights:History of Weight Watchers (2:15)Brand Positioning (6:50)Pharmaceutical Company Collaborations (10:03)Rebranding Weight Watchers (11:38)Product Innovations (13:25)Brand Partnerships (15:39)Marketing Strategy (17:50)Weight Watchers' B2B Strategy (20:48)Using AI and Maintaining Human Connection (22:34)Outlook for 2026 (24:35)Links:Tara Comonte LinkedInWeight Watchers LinkedInWeight Watchers WebsiteICR LinkedInICR TwitterICR WebsiteFeedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, joe@lowerstreet.co.

Why do some recruiters stay stuck on contingent work while others shift a large portion of their business to retained without pitching harder or sounding salesy? James Cairns found the answer the hard way. James is a CPA who left a stable corporate finance career to start a boutique search firm with no agency experience, no local network, and just $30,000 in savings. His first year was brutal. Three placements. Borrowed money. Serious doubts about whether he'd made a huge mistake. Then one summer night, sitting on his back porch, James made a decision that changed everything. He eliminated Plan B. From that point on, momentum followed. Today, James runs The CSP Group, a highly respected finance and accounting search firm in St. Louis. He regularly beats national firms, fills senior roles up to CFO level, and now operates with roughly 40% of his work on retained or contained terms. In this episode, James breaks down what actually drove that shift. Not better sales tactics, scripts, or pressure. But commitment, process, and the confidence to walk away from the wrong work. This conversation offers a clear look at what changes when a recruiter stops competing on volume and starts choosing the right work. In this episode, you'll learn: Why eliminating "Plan B" unlocked consistent momentum How James moved from 3 placements to 40% retained work The candidate profiling system that generates a third of his placements Why being local and specialized beats national firms How to position retained search without pitching or pressure Why walkaway power matters more than persuasion Episode highlights: [3:44] Why a CPA with zero agency experience started a search firm [6:31] Quitting with $30K, a pregnant wife, and no local network [8:46] First-year reality: three placements and borrowed money [10:04] The back porch moment that eliminated Plan B [18:41] The candidate process that transformed responsiveness [21:51] Talent profiles and how they drive a third of placements [38:02] Why local specialization beats national firms [43:27] The CFO placement that changed everything [50:04] "This is how we work": James's retained positioning [59:06] Why walkaway power leads to more retained work James's story is proof that retained success isn't about being louder or more persuasive. It's about clarity, commitment, and choosing the right work. Guest Bio: James Cairns is the founder of The CSP Group, a boutique executive search firm specializing in finance and accounting talent in the St. Louis market. James earned his CPA license and began his career at PwC in Big Four audit before moving into corporate finance roles. He started The CSP Group in 2014 with $30,000 in savings, a one-year-old at home, another child on the way, and no local business network. After a difficult first year, James committed fully to making the business work - a decision that changed everything. Today, the CSP Group places senior-level finance professionals up to the CFO level, with approximately 40% of search assignments on retained or contained terms. Connect with James: James on LinkedIn - https://www.linkedin.com/in/james-cairns-062a5b7/ The CSP Group website - https://thecspgroup.com/ Connect with Mark: Get your free 30-minute strategy session: recruitmentcoach.com/strategy-session Mark on LinkedIn - https://www.linkedin.com/in/mwhitby/?originalSubdomain=uk Follow on Instagram: @RecruitmentCoach This episode is brought to you by Recruiterflow. Recruiterflow is an AI-first ATS and CRM built to help recruitment businesses run and scale more efficiently. With built-in sequencing, data enrichment, marketing automation, and AI agents, it's trusted by many leaders in our coaching community. Learn more or request a demo at https://recruitmentcoach.com/recruiterflow

Ever catch yourself comparing your firm to someone else's after picture and wondering what you're doing wrong?Here's a different perspective – you're not behind, you're just still in it.This Work in Progress episode is for anyone mid-messy change, not standing at the finish line.You'll hear what it sounds like to raise prices, disengage legacy clients (including ones you paid for!), test tiered pricing, and still question the hours while it's happening.No tidy ending, no highlight reel – just the normal, uncomfortable middle.Listen to feel less alone, see what “working on it” actually looks like, and borrow some camaraderie from a peer doing the hard work alongside you.…Link to full shownotes: https://www.businessstrategyforcpas.com/382…Want Pricing Essentials?If you feel trapped by your own accounting firm, it's not because of the work – it's how you've priced the work. Too many accountants are stuck in undercharging, overdelivering, and people-pleasing cycles. Break the pattern with my short PDF guide: 7 Pricing Essentials »It's free and you can read it in 5 minutes.I want to help you get your prices up without losing loyal clients.  …Want client interviews?310 From Exhausted to Having Her Life Back: Wendy Norman, CPA304 From 55 Down to 15 Hours; Same Take-Home Pay with Melissa Downs, EA293 What it Takes to Work 15 Hours per Week with Erica Goode, CPAComplete list:geraldinecarter.com/client-interview-episodes…FOUR ways I help overworked CPAs go down to 40 hours without losing revenue or hiring:THE EMAIL COURSE – Freegeraldinecarter.com/stop-working-weekendsStop Working Weekends will teach you how to reduce your hours without giving up revenue. THE BOOK – $9.99geraldinecarter.com/bookDown to 40 Hours – A Roadmap for CPAs to End Overworking Without Losing RevenuePEAK FREEDOM COMMUNITY – $197/mogeraldinecarter.com/peak-freedomFor solo and small accounting firm owners who want to rise above the insanity of hustle-cultureDOWN TO 40 HOURS ACCELERATOR – $995/mogeraldinecarter.com/40For the overworked CPA at multiple six figures of revenue who is ready to stop working weekends, wants to implement overdue changes, and doesn't want to do it alone. You'll make progress faster and with more confidence. …

Today I’m talking to a guy who believes every company needs to be built to last—not just to flip. Neil Lansing is a turnaround specialist who left private equity to bet his own money on small, underperforming businesses. He’s taken companies from 18 employees to over 400. From $2 million to $40-50 million in revenue. And when everyone else was laying people off in 2008, he told his refrigeration company’s team: “We need more clients.” After transforming mom-and-pop service companies one after another, he found his final stop, Piedmont Machine & Manufacturing. At 67, he’s not looking for the next flip. He’s building something that will outlast him. ************* Listen on your favorite podcast app using pod.link.     . View the podcast at the bottom of this post or on our YouTube Channel. Follow us on Social and never miss an update! Facebook: https://www.facebook.com/swarfcast Instagram: https://www.instagram.com/swarfcast/ LinkedIn: https://www.linkedin.com/company/todays-machining-world Twitter: https://twitter.com/tmwswarfblog ************* Link to Graff-Pinkert's Acquisitions and Sales promotion! ************* Interview Highlights The Journey from Satellites to Shop Floors Neil started as a satellite engineer at Hughes Aircraft, became a CFO of a publicly traded pharmaceutical company, then worked in private equity doing turnarounds and startups. But eventually he walked away from working with other people’s money to bet his own cash on small businesses. It wasn’t an easy mental shift. As he told me: “I remember the first time I did something. I was sitting there and I remember, now I’m not in corporate America, I’m not in these nice New York digs… I’m in some place where it’s like, my God, what did I get myself into?” But then he told himself: “Quit crying, figure it out, make it work.” The Five-Person Rule One of Neil’s key insights is his management structure. Nobody has more than five direct reports. Not supervisors, not managers, not even Neil as owner. This tight span of control is how he grew his refrigeration company from 10-18 people to over 400 in six years while maintaining quality and accountability. “Everyone has to do what we’re supposed to do,” he explains. “If we all do what we’re supposed to do and take the accountability of what we’re supposed to do, then it can work.” Growing When Others Retreat The 2008 financial crisis tested every business owner, but Neil’s response was counterintuitive. While the country was laying off 700,000 people a month, he gathered his top 10 guys and said: “We’ve just got to get more clients.” By Christmas, they were bringing in all new work. Then their existing clients–Target, Publix, Costco – suddenly needed massive expansions. Neil went from laying off 40-50 people to desperately hiring them back plus another 40-50 more. Why Manufacturing, Why Now After several successful turnarounds, Neil decided manufacturing would be his next chapter. He bought Piedmont Machine in Concord, North Carolina, seeing opportunity where others saw decline. The company does Swiss machining for smaller diameter work and can handle parts up to 30 inches in diameter—from roller bearing components for landing gear to automated door systems. He envisions growing his company to 80-100 employees, consolidating into a new 60-75,000 square foot facility, and implementing comprehensive training programs. The Grinder’s Legacy Neil calls himself a “grinder” – someone focused on day-to-day execution rather than just deal-making. His philosophy centers on personal responsibility: “If I don’t do what I’m supposed to do, then I can’t pay these people. And if I can’t pay these people, that means that we did it wrong.” What drives someone to keep grinding at 67? Neil says it's about legacy, not money. “Everything I’ve done, it still works. It still runs. If I do something and it goes under or it stops being in existence, then I feel like that’s not a good legacy. That means I didn’t do it right.” Neil doesn’t know how to run a machine and doesn’t want to. He knows how to run a business with clear strategy, deep understanding of people, and balls, and he's still betting big because that’s what real builders do.

Most tax and accounting firms don't actually have a pricing problem.They have a pricing system problem.In this episode of Growth Minded Accountant, we break down why traditional pricing models — hourly billing, fixed fees, even “value pricing” — keep breaking as firms grow, adopt AI, and move toward advisory services.

Send us a textThis cluster of announcements illustrates how enterprise software vendors are converging on monetizable AI, composable ecosystems, and domain-specific depth rather than headline platform reinvention. Product expansions such as BillingPlatform's RevenueIQ suite, Epicor's outcomes-based ERP AI agent, and BlackLine's Verity for the CFO signal a shift toward AI that is tightly anchored to measurable financial and operational outcomes. At the same time, M&A and alliances—including IFS acquiring 7bridges, Salesforce's planned acquisition of Regrello, QAD partnering with Esker, and Versori partnering with Fluent Commerce—reinforce a strategy of filling execution gaps through targeted capabilities rather than broad-suite sprawl. Underpinning much of this activity, Oracle's deployment of GPT-5 across its database and SaaS portfolio underscores how foundational AI services are becoming embedded infrastructure, while workforce and go-to-market expansions from ActivTrak and Capacity's acquisition of KLaunch highlight continued investment in productivity, adoption, and execution at the edges of the enterprise stack.In today's episode, we invited a panel of industry analysts for a live discussion on LinkedIn to analyze current enterprise software stories. We covered many grounds, including the direction and roadmaps of each enterprise software vendor. Finally, we analyzed future trends and how they might shape the enterprise software industry.Video: https://www.youtube.com/watch?v=KdCqxl1NXBIQuestions for Panelists?

Jonathan Crystal, Managing Partner at Crystal Venture Partners, talks about investing in early-stage AI-driven insurtech companies. After leading his family's insurance brokerage to a successful exit, Jonathan launched his $33M fund when he realized AI was the catalyst insurance had been waiting for. He explains why entrepreneurship means "dooming yourself to years of terror," and why the best investments happen when founders identify problems before revenue models. With investments in companies like Bright Harbor, which helps families navigate disaster recovery, Jonathan explains how domain expertise enables conviction at day one—when there's no product, just a founder with an audacious vision.In this episode, you'll learn:[02:14] From Texas to Princeton to building an insurance dynasty in New York[04:04] Why insurance rewards creativity and curious minds[07:24] The brutal truth: 99% of a VC's job is saying no[10:31] Exiting the family business and finding the "why now" moment for venture[12:10] The ChatGPT revelation that launched Crystal Venture Partners[14:13] Investment thesis: $1-3M checks at day one for transformational companies[19:11] Why building a venture company means years of terror—and that's the test[21:59] Bright Harbor case study: From revenue model questions to product-market fit during LA fires[25:30] Most common reason for no: "We're not your best source of capital"[29:40] Finding investment opportunities in unusual areasThe nonprofit organization Jonathan is passionate about: 12/64About Jonathan CrystalJonathan Crystal is the Managing Partner of Crystal Venture Partners, a $33 million early-stage venture fund focused on AI-driven transformation in the insurance industry. Before entering venture capital, Jonathan spent 20 years as an operator in the insurance brokerage business, ultimately serving as CFO of Crystal and Company, a top-25 national insurance brokerage firm founded by his family. He led the firm to a successful exit to Alliant Insurance Services in 2018. Jonathan brings deep domain expertise and company-building experience to his investments. He backs seasoned, often serial entrepreneurs building transformational companies, writing $1-3 million checks as early as day one. His portfolio includes companies like Bright Harbor, Sixfold AI, NevadoAI, Comulate, and Corvus Insurance.About Crystal Venture PartnersCrystal Venture Partners is a $33 million early-stage venture capital firm founded in 2022 to capitalize on the AI transformation of the insurance industry. The firm writes $1-3 million first checks, often as the first institutional investor or alongside other first institutional investments. Crystal Venture Partners invests in 4-6 companies annually from a pipeline of 300+ opportunities, maintaining a highly selective approach with domain expertise enabling conviction at the earliest stages—sometimes backing founders on day one before product development. The firm's portfolio of 10 companies has shown strong momentum, with over half securing follow-on financing in multiple rounds within a year of initial investment. Led by Jonathan Crystal, who brings two decades of insurance industry operating experience, the firm specializes in identifying transformational opportunities where AI can create and capture significant value in risk management and insurance markets.Subscribe to our podcast and stay tuned for our next episode.

From Trauma to Triumph: How Spiritual Awakening Transformed Business and Life   The Rags-to-Riches Round Trip Nobody Talks About When Success Keeps Vanishing You've built the business. Raised the capital. Made the millions. So why does it keep slipping away? And more importantlywhy does nothing feel like "enough"? Here's a truth most entrepreneurs never want to face: It's not your strategy. It's not your market. It's what's buried inside you.   In this raw and transformative episode of Richer Soul, we sit down with Smoke Wallin, entrepreneur, M&A advisor, and spiritual guide who made—and lost—$50-100 million multiple times. But this isn't a story about making money. It's about discovering why all the wealth in the world couldn't turn off the "loud fan" of anxiety constantly running in the back of his head. Until one day in Nepal, at Buddha's birthplace, everything changed.   5 Soul-Level Insights from Smoke Wallin: (This isn't about making more money. It's about freeing yourself from what's driving you.) Unhealed trauma doesn't just hurt—it sabotages. Smoke kept attracting business partners who would betray him. Why? Because betrayal was his unhealed childhood wound. His subconscious kept recreating the pattern until he faced it head-on. You can achieve massive success while suffering invisibly. Smoke became CFO of a billion-dollar company at 29, raised $110 million—all while living in constant anxiety he didn't even recognize. High achievers are masters at compartmentalizing pain. Forgiveness is freedom—for you, not them. Smoke's healing breakthrough came when he made a deal with his higher self: "If I can remember what happened, I'll forgive." That commitment unlocked everything. "Forgiveness is for the forgiver, not the forgiven." Spiritual awakening is 1% breakthrough, 99% daily integration. Plant medicine opened the door. But Smoke read 400+ books, practiced daily meditation, eliminated negative inputs, and consciously reprogrammed his subconscious. That's where real transformation lives. Money is neutral—your attachment is the prison. Once you're non-attached, you can fully experience wealth without being controlled by it. Smoke now channels resources to Dignity Moves (helping homeless families) and SACRED (supporting child abuse survivors)—because significance matters more than accumulation.   Why This Conversation Matters: Most entrepreneurs chase the next milestone thinking that will finally deliver peace. The next exit. The next $10 million. The next validation. But Smoke's journey reveals a deeper truth: External success means nothing if you're fundamentally unfree internally. This episode is an invitation to stop running—and start healing.   Money Learning: What if your wealth-building is driven by wounds, not wisdom? Smoke's pattern of building and losing fortunes wasn't about bad luck or bad partners. It was about unresolved childhood trauma manifesting in business relationships. For many driven entrepreneurs, the relentless pursuit of "more" is actually an attempt to fill a void, prove worth, or escape pain they've never faced. This episode invites you to ask: How much is enough? And what am I really running from? By healing the wounds beneath your drive, you don't lose your ambition—you gain clarity, peace, and the ability to build wealth that actually serves your life instead of consuming it.   Key Takeaway: Smoke Wallin made—and lost—$50-100 million multiple times because unhealed childhood trauma kept sabotaging his business relationships. Despite becoming CFO of a billion-dollar company at 29, he lived in constant anxiety until a spiritual awakening in Nepal and plant medicine ceremonies unlocked decades of buried memories. His breakthrough insight: "Forgiveness is for the forgiver, not the forgiven"—once he forgave, the anxiety vanished and he quit drinking without trying. Now living in "peace and joy at all times," Smoke helps entrepreneurs answer the question most can't: "How much is enough?"—proving that real wealth isn't in your bank account, it's in your soul.   Guest Bio: Smoke Wallin is an entrepreneur, M&A advisor, and spiritual guide based in Sedona, Arizona. He became CFO of a billion-dollar business at age 29, raised $110 million in the bond market, and has built and exited multiple companies across various industries. After a profound spiritual awakening triggered by a Kundalini experience at Buddha's birthplace in Nepal, Smoke has dedicated himself to helping entrepreneurs navigate both the business and existential dimensions of major exits. He co-founded Dignity Moves, a homeless initiative building villages across California, and serves on the board of SACRED, supporting families affected by child sexual abuse. A 23-year member of YPO (Young Presidents' Organization), Smoke is working on a forthcoming book offering an entrepreneur's guide to spiritual awakening.   Links: Podcast Home & All Platforms https://thesmoketrail.transistor.fm YouTube Channel - https://www.youtube.com/@SmokeWallinOfficial Substack  Full episodes + Pre-Show Q&As + Community & Poetry & Essays https://smokewallin.substack.com/ LinkedIn – Primary promotion & newsletter- https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=7055158311603601408 LinkedIn: https://www.linkedin.com/in/smokewallin Instagram https://www.instagram.com/smoketrailpodcast Instagram: https://www.instagram.com/smokewallin X (Twitter) https://x.com/TheSmokeTrail1 X: https://x.com/SmokeWallin TikTok https://www.tiktok.com/@smokewallin Facebook Podcast Home https://www.facebook.com/DrinkTechnology   Stop chasing the next milestone, hoping it will finally deliver peace. Listen to Episode 477 to discover why your unhealed wounds might be sabotaging your success—and how to break the pattern before you make another rags-to-riches round trip. Ask yourself: How much is enough? If you can't answer, this episode is for you.   #RicherSoul #SmokeWallin #EntrepreneurialJourney #TraumaHealing #SpiritualAwakening #ConsciousBusiness #HowMuchIsEnough #PlantMedicine #TraumaToTriumph #InnerPeace #NonAttachment #SuccessToSignificance #Forgiveness #EntrepreneurMindset #PurposeOverProfit   Watch the full episode on YouTube: https://www.youtube.com/@richersoul Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well-being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening!   Show Sponsor: http://profitcomesfirst.com/   Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes   If you like the show please leave a review on iTunes: http://bit.do/richersoul   https://www.facebook.com/richersoul http://richersoul.com/ rocky@richersoul.com   Some music provided by Junan from Junan Podcast   Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

"Do I have to offer CFO services in order to REALLY be successful as a bookkeeper?" No matter what your bar for "success" is here…the answer is no. Offering CFO packages can be lucrative, absolutely. And it can be tempting to gun for a few high-ticket clients rather than trying to sign 15+ to your roster just to hit the same amount of income. However…there are plenty of cons you need to take into consideration before deciding to go the CFO route, too. I'm not saying you shouldn't even think about offering CFO services. They can be great for some bookkeepers. However, I want to make sure you see the big picture and consider every factor here before you jump into something that might not be best for you and your business in the long run. Let's go over the pros and cons together, shall we?   EPISODE RESOURCES: Tired of 1099s giving you headaches? Avoid the pain and hassle with my 1099 Client Education System: https://www.katieferro.com/1099ed  Start your new year off right with the Intention Setting Workshop, my on-demand workshop all about preparing yourself to crush every goal you have for this upcoming year: https://www.katieferro.com/offers/mSzXz5cA/checkout  Season 2 of Profits & Prosecco is HERE! Kick off your newest podcast addiction (or celebrate its return!) and listen to Episode 1 now: https://open.spotify.com/show/4dB0ZE8JaxqrkImm3Ifxrb  Sick of imposter syndrome keeping you stuck? Join the new + improved BECOME A BOOKKEEPER now: https://www.katieferro.com/become  Want a peek behind the curtain into LIBBY, my program all about what it really takes to have a simple and scalable (and successful) bookkeeping business? Get access to my free, on-demand four-part series, 6 Secrets to a Simple, Scalable Bookkeeping Business: www.katieferro.com/6-secrets Learn how to take your bookkeeping skills and turn them into a business that allows you to replace (or surpass) your corporate salary, be present for your life, and profoundly impact your clients without selling your life in the process by joining Life by the Books (LIBBY).     CONNECT WITH KATIE: Website: https://www.katieferro.com/ For first dibs (and the best prices!) on new offers from me, follow me on Instagram, then subscribe to my email list:  IG: www.instagram.com/orderlyaccountingbykatie Email Opt In: www.katieferro.com/email

(0:00) Intro(1:36) About the podcast sponsor: The American College of Governance Counsel(2:22) Start of interview(3:21) Jennifer's origin story(8:06) Journey to Treasury starting with Sara Lee Corporation, to Cisco and eBay (20-year career in Treasury)(15:05) From Box to CFO roles at Coupons.com and Smartsheet (took it public as CFO)(20:50) Building a Board Career: True Search, Auth0 (acq by Okta), Nerd Wallet, Wyze, Riskified and Klaviyo.(23:40) Private vs. Public Boards(27:47) On founder-led companies(30:01) The Role of Audit Committees(30:50) Navigating AI in the board(36:37) On increased politicization and geopolitics in the boardroom(38:44) CEO-CFO strategy and talking about the hard stuff(40:22) Qualities of a Great Board Member: "The best board members ask the right questions at the right time in the right tone" (from Anita Sands). "They're willing to help in however the company wants them to help."(44:05) Effective Board Meetings(45:59) Books that have greatly influenced her life:Gifts Differing by Isabel Briggs Myers (1980)Discover your Strengths by Donald O. Clifton and Marcus Buckingham (2001)Dare to Lead by Brené Brown (1980)(48:36) Her mentors (50:09) Quotes that she thinks of often or lives her life by "Don't take no for an answer and don't give up" (51:09) An unusual habit or an absurd thing that she loves: Family Search(53:40) The living person she most admires: Taylor SwiftJennifer Ceran is a seasoned finance executive and board member whose career spans treasury leadership, the CFO role, and public and private company board service. Jennifer currently serves on the boards of NerdWallet, Wyze, Riskified, Klaviyo, Flock Safety, and Mesh Payments. You can follow Evan on social media at:X: @evanepsteinLinkedIn: https://www.linkedin.com/in/epsteinevan/ Substack: https://evanepstein.substack.com/__To support this podcast you can join as a subscriber of the Boardroom Governance Newsletter at https://evanepstein.substack.com/__Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License

As part of our official DealFlow Discovery Conference Interview Series, produced by Mission Matters, along with our partner DealFlow Events, we're showcasing the innovative companies presenting at the upcoming DealFlow Discovery Conference (January 28-29, at the Borgata in Atlantic City) and the executives behind them. In this episode, Adam Torres interviews Brian Merker, CFO of Horizon Aircraft, about the company's mission to modernize regional air travel through hybrid-electric VTOL aircraft, certification milestones ahead, and what Horizon is seeking at the Deal Flow Discovery Conference. This interview is part of our effort to help investors discover compelling companies ahead of the event — and to help CEOs introduce their story to the 1500+ conference attendees. Learn more about the event and presenting companies:https://dealflowdiscoveryconference.com/ About Brian Merker Bringing considerable multinational industry experience, Brian has strong technical capabilities in US GAAP/IFRS/ASPE with extensive reporting expertise in heavily regulated markets. From IPOs to private placements and highly-leveraged private equity environments, he has expertly overseen successful integrations and acquisitions, and is skilled at advancing both mid-sized and small organizations. About Horizon Aircraft Founded by an elite fighter pilot and fueled by a lifetime in military and commercial aviation experience, Horizon Aircraft has assembled a team of engineers, pilots, and business specialists dedicated to expanding the possibilities of regional transportation. Follow Adam on Instagram at https://www.instagram.com/askadamtorres/ for up to date information on book releases and tour schedule. Apply to be a guest on our podcast: https://missionmatters.lpages.co/podcastguest/ Visit our website: https://missionmatters.com/ More FREE content from Mission Matters here: https://linktr.ee/missionmattersmedia Learn more about your ad choices. Visit podcastchoices.com/adchoices

Stop Guessing- Use Benchmarks to Fund Profitable Growth EP334 Profit With A Plan Podcast Released January 27, 2026 Guest: Jon Morris, CEO of Fiscal Advocate Host: Marcia Riner, CEO of Infinite Profit®, Business Growth Strategist

We had a kwentuhan with iSmart Innovations Inc. last Philippine Startup Week 2025!iSmart Innovations Inc. unveils its first flagship brand - pHrotect, breakthrough pool water care solution powered by its smart acid technology! pHrotect sets smarter, safer, and more sustainable standards for pool care, making every pool cleaner, healthier, and simply better. pHrotect is created in partnership with their investor, Isamu Chemical Company.This episode is recorded live at the Philippine Innovation Hub in Marikina City.In this episode:00:00 Introduction01:06 Ano ang iSmart Innovations Inc.?14:17 How can listeners find more information?ISMART INNOVATIONS INC.Facebook: https://facebook.com/iSMARTincPHILIPPINE STARTUP WEEKWebsite: https://phstartupweek.comFacebook: https://facebook.com/PhilippineStartupWeekTHIS EPISODE IS CO-PRODUCED BY:Kredit Hero: ⁠⁠⁠⁠https://kredithero.com/⁠⁠⁠⁠Yspaces: ⁠⁠⁠⁠https://knowyourspaceph.com⁠⁠⁠⁠Twala: ⁠⁠⁠⁠https://twala.io⁠⁠⁠⁠Symph: ⁠⁠⁠⁠https://symph.co⁠⁠⁠⁠Secuna: ⁠⁠⁠⁠https://secuna.io⁠⁠⁠⁠SkoolTek by Edfolio: ⁠⁠⁠⁠https://skooltek.co⁠⁠⁠⁠MaroonStudios: ⁠⁠⁠⁠https://maroonstudios.com⁠⁠⁠⁠CompareLoans: ⁠⁠⁠⁠http://compareloans.ph⁠⁠⁠⁠CHECK OUT OUR PARTNERS:Ask Lex PH Academy: ⁠⁠⁠⁠https://asklexph.com⁠⁠⁠⁠ (5% discount on e-learning courses! Code: ALPHAXSUP)ArkoTech: ⁠⁠⁠⁠https://www.arkotechspacesolutions.com/⁠⁠⁠⁠DVCode Technologies Inc: ⁠⁠⁠⁠https://dvcode.tech⁠⁠⁠⁠NutriCoach: ⁠⁠⁠⁠https://nutricoach.com⁠⁠⁠⁠Argum AI: ⁠⁠⁠⁠http://argum.ai⁠⁠⁠⁠PIXEL by Eplayment: ⁠⁠⁠⁠https://pixel.eplayment.co/auth/sign-up?r=PIXELXSUP1⁠⁠⁠⁠ (Sign up using Code: PIXELXSUP1)School of Profits: ⁠⁠⁠⁠https://schoolofprofits.academy⁠⁠⁠⁠Founders Launchpad: ⁠⁠⁠⁠https://founderslaunchpad.vc⁠⁠⁠⁠Hier Business Solutions: ⁠⁠⁠⁠https://hierpayroll.com⁠⁠⁠⁠Agile Data Solutions (Hustle PH): ⁠⁠⁠⁠https://agiledatasolutions.tech⁠⁠⁠⁠Smile Checks: ⁠⁠⁠⁠https://getsmilechecks.com⁠⁠⁠⁠CloudCFO: ⁠⁠⁠⁠https://cloudcfo.ph⁠⁠⁠⁠ (Free financial assessment, process onboarding, and 6-month QuickBooks subscription! Mention: Start Up Podcast PH)Cloverly: ⁠⁠⁠⁠https://cloverly.tech⁠⁠⁠⁠BuddyBetes: ⁠⁠⁠⁠https://buddybetes.com⁠⁠⁠⁠HKB Digital Services: ⁠⁠⁠⁠https://contakt-ph.com⁠⁠⁠⁠ (10% discount on RFID Business Cards! Code: CONTAKTXSUP)Hyperstacks: ⁠⁠⁠⁠https://hyperstacksinc.com⁠⁠⁠⁠OneCFO: ⁠⁠⁠⁠https://onecfoph.co⁠⁠⁠⁠ (10% discount on CFO services! Code: ONECFOXSUP)Wunderbrand: ⁠⁠⁠⁠https://wunderbrand.com⁠⁠⁠⁠Uplift Code Camp: ⁠⁠⁠⁠https://upliftcodecamp.com⁠⁠⁠⁠ (5% discount on bootcamps and courses! Code: UPLIFTSTARTUPPH)START UP PODCAST PHYouTube: ⁠⁠⁠⁠https://youtube.com/startuppodcastph⁠⁠⁠⁠Spotify: ⁠⁠⁠⁠https://open.spotify.com/show/6BObuPvMfoZzdlJeb1XXVa⁠⁠⁠⁠Apple Podcasts: ⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/start-up-podcast/id1576462394⁠⁠⁠⁠Facebook: ⁠⁠⁠⁠https://facebook.com/startuppodcastph⁠⁠⁠⁠Patreon: ⁠⁠⁠⁠https://patreon.com/StartUpPodcastPH⁠⁠⁠⁠PIXEL: ⁠⁠⁠⁠https://pixel.eplayment.co/dl/startuppodcastph⁠⁠⁠⁠Website: ⁠⁠⁠⁠https://phstartup.online⁠⁠⁠⁠This episode is edited by the team at: ⁠⁠⁠⁠https://tasharivera.com⁠⁠

Real-time reporting promises faster decisions, but without trusted and governed data, speed can become a liability. John Hagerty, Distinguished Analyst at Dresner Advisory Services, joins Melissa Howatson to unpack what it really takes to achieve data mastery in modern finance organizations. Drawing on more than 35 years of experience across enterprise performance management, business intelligence and analytics, John explains why data governance is no longer an IT problem, it's a business imperative. In this conversation John shares why finance can't operate in data silos, how CFOs and CIOs must evolve into true partners, and why analytics only deliver value when built on consistent definitions, shared responsibility and clean data foundations. From centers of excellence and data stewardship to AI adoption and real-time decision-making, this episode offers a practical roadmap for finance leaders looking to turn data into a strategic advantage. Discussed in this episode: • Why real-time analytics fail without trusted data • Data governance as a shared enterprise responsibility • The evolving CFO–CIO partnership • Centers of excellence vs. data stewardship (and why you need both)For CFO insights, episode show notes and exclusive blog content, visit thecfoshowpodcast.com.

Send us a text"RAISE CAPITAL LIKE A LEGEND: https://go.fundraisecapital.co/apply"Stop picking founders the old school way—it's the fastest path to investment failure in 2026. In this episode of Making Billions, Ryan Miller sits down with Joe Alalou, General Partner at Daring Ventures, to reveal the new blueprint for Pre-Seed and Venture Capital success. Joe shares the "Daring Ventures" filter for identifying generational founders, in an era where AI has turned technical skills into a commodity, the "alpha" has shifted to human traits that machines can't replicate: grit, tenacity, and an undeniable right to win. This isn't just a manifesto on investing; it's a tactical guide to navigating the 2026 investment climate, mastering deal flow, and scaling a fund when information is incomplete.Subscribe on YouTube:https://www.youtube.com/channel/UCTOe79EXLDsROQ0z3YLnu1QQConnect with Ryan Miller:Linkedin: https://www.linkedin.com/in/rcmiller1/Instagram: https://www.instagram.com/makingbillionspodcast/X: https://x.com/_MakingBillionsWebsite: https://making-billions.com/[THE HOST]: Ryan Miller is a recovering CFO turned angel investor in technology and energy.[THE GUEST]: Joe Alalou is Co-founder and General Partner at Daring VSupport the showDISCLAIMER: The information in every podcast episode “episode” is provided for general informational purposes only and may not reflect the current law in your jurisdiction. By listening or viewing our episodes, you understand that no information contained in the episodes should be construed as legal or financial advice from the individual author, hosts, or guests, nor is it intended to be a substitute for legal, financial, or tax counsel on any subject matter. No listener of the episodes should act or refrain from acting on the basis of any information included in, or accessible through, the episodes without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer, finance, tax, or other licensed person in the recipient's state, country, or other appropriate licensing jurisdiction. No part of the show, its guests, host, content, or otherwise should be considered a solicitation for investment in any way. All views expressed in any way by guests are their own opinions and do not necessarily reflect the opinions of the show or its host(s). The host and/or its guests may own some of the assets discussed in this or other episodes, including compensation for advertisements, sponsorships, and/or endorsements. This show is for entertainment purposes only and should not be used as financial, tax, legal, or any advice whatsoever.

On this episode of CFO at Home, Vince·s guest is Scott MacKenzie, author of The Lobster League, A Fable About Personal Finance. Scott and Vince dive into the concept of the book, which is designed as a fable to teach personal financial lessons through relatable stories, inspired by Scott·s extensive experience in the area of behavioral finance. They discuss how the human tendencies of herding and overconfidence can impact our investing. Scott also emphasizes the importance of having a clear set of personal priorities and goals, specifically by creating a bucket list to guide financial decisions. Like the book, our conversation offers valuable insights into personal finance for both money enthusiasts and those not as financially inclined. To learn more about Scott and The Lobster League, go the thelobsterleague.com Key Topics: 01:10 The Story Behind 'The Lobster League' 04:00 Crafting a Financial Fable 05:54 Behavioral Finance Insights 08:56 Herding and Market Trends 21:22 Overconfidence and Fear in Investing 27:48 Creating a Personal Financial Vision 33:23 Conclusion and Final Thoughts Key Links thelobsterleague.com Scott MacKenzie, MBA, CFP®, CIMA® | LinkedIn  Contact the Host - vince@thecfoathome.com  Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

In this episode of Run the Numbers, CJ sits down with Maria Izurieta, CFO of Huntress, to unpack what it really means to lead finance as a connective tissue across the organization. Drawing on experience across VC-backed, PE-owned, and public companies, Maria shares how she balances impact versus perfection, builds trust through small wins, and helps teams move from transactional finance to insight-driven decision making. They dig into data transparency, centralized BI, partnering with sales and marketing on revenue, and why the best CFOs unblock friction instead of becoming the “no” department — all while bringing a deeply people-first lens to scale.—SPONSORS:Abacum is a modern FP&A platform built by former CFOs to replace slow, consultant-heavy planning tools. With self-service integrations and AI-powered workflows for forecasting, variance analysis, and scenario modeling, Abacum helps finance teams scale without becoming software admins. Trusted by teams at Strava, Replit, and JG Wentworth—learn more at https://www.abacum.aiBrex is an intelligent finance platform that combines corporate cards, built-in expense management, and AI agents to eliminate manual finance work. By automating expense reviews and reconciliations, Brex gives CFOs more time for the high-impact work that drives growth. Join 35,000+ companies like Anthropic, Coinbase, and DoorDash at https://www.brex.com/metricsMetronome is real-time billing built for modern software companies. Metronome turns raw usage events into accurate invoices, gives customers bills they actually understand, and keeps finance, product, and engineering perfectly in sync. That's why category-defining companies like OpenAI and Anthropic trust Metronome to power usage-based pricing and enterprise contracts at scale. Focus on your product — not your billing. Learn more and get started at https://www.metronome.comRightRev is an automated revenue recognition platform built for modern pricing models like usage-based pricing, bundles, and mid-cycle upgrades. RightRev lets companies scale monetization without slowing down close or compliance. For RevRec that keeps growth moving, visit https://www.rightrev.comRillet is an AI-native ERP built for modern finance teams that want to close faster without fighting legacy systems. Designed to support complex revenue recognition, multi-entity operations, and real-time reporting, Rillet helps teams achieve a true zero-day close—with some customers closing in hours, not days. If you're scaling on an ERP that wasn't built in the 90s, book a demo at https://www.rillet.com/cjTabs is an AI-native revenue platform that unifies billing, collections, and revenue recognition for companies running usage-based or complex contracts. By bringing together ERP, CRM, and real product usage data into a single system of record, Tabs eliminates manual reconciliations and speeds up close and cash collection. Companies like Cortex, Statsig, and Cursor trust Tabs to scale revenue efficiently. Learn more at https://www.tabs.com/run—LINKS:Maria on LinkedIn: https://www.linkedin.com/in/maria-izurieta-909a3b/Company: https://www.huntress.com/CJ on LinkedIn: https://www.linkedin.com/in/cj-gustafson-13140948/Mostly metrics: https://www.mostlymetrics.com—RELATED EPISODES:How the Best CFOs Lead Without Being the CEO | Ken Stillwellhttps://youtu.be/O4cx9NBqQso—TIMESTAMPS:00:00:00 Preview and Intro00:01:01 Maria's Background00:03:09 People-First Team Building00:05:16 People, Process, Systems at Scale00:07:13 Removing Friction Outside Finance00:09:15 Data Transparency & Decision-Making00:11:06 Sponsors — Abacum | Brex | Metronome00:14:22 Forward-Deployed Data00:16:21 Centralized Data vs. Silos00:19:23 Finance as Data Steward00:21:08 Cost-to-Price Feedback Loop00:22:35 Curiosity Builds Credibility00:23:43 Sponsors — RightRev | Rillet | Tabs00:27:12 Trust First, Then Impact00:30:27 Celebrating Small Wins00:31:21 From Transactions to Insights00:33:00 CFO at the Revenue Table00:34:32 Educating the Org on Metrics00:36:21 Customer-Level Margin Reality00:37:13 Using Facts to Change Decisions00:38:27 Ownership Mindset in Growth Companies00:39:10 VC vs. PE vs. Public CFO Tradeoffs00:41:02 Operating Inside Constraints00:42:18 Finding Your Stage Fit00:44:17 Building a Personal Advisor Network00:46:43 Visibility and Women in Leadership00:47:44 Work–Life Integration, Not Balance00:48:45 Lightning Round: Biggest Mistake00:50:10 Advice to Younger Self00:51:36 Finance Tech Stack00:52:01 Craziest Expense Story00:52:44 Credits#RunTheNumbersPodcast #CFOLeadership #ScalingCompanies #DataDrivenDecisions #ExecutiveLeadership This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit cjgustafson.substack.com

As part of our official DealFlow Discovery Conference Interview Series, produced by Mission Matters, along with our partner DealFlow Events, we're showcasing the innovative companies presenting at the upcoming DealFlow Discovery Conference (January 28-29, at the Borgata in Atlantic City) and the executives behind them. In this episode, Adam Torres interviews Raphi Levy, CFO at Alpha Tau, about the company's Alpha DaRT tumor-targeting approach, how it fits into existing clinical workflows, and the upcoming milestones and trial progress Alpha Tau is advancing as it expands treatment options for cancer patients. This interview is part of our effort to help investors discover compelling companies ahead of the event — and to help CEOs introduce their story to the 1500+ conference attendees. Learn more about the event and presenting companies:https://dealflowdiscoveryconference.com/ About Raphi Levy Mr. Levy specializes in corporate finance and strategy, having spent 13 years working in the Investment Banking Division at Goldman Sachs in New York and Tel Aviv, most recently serving as Executive Director in charge of healthcare banking in Israel. He holds a BS in Economics from the Wharton School and a BSE and MSE in Electrical Engineering from the School of Engineering and Applied Science at the University of Pennsylvania, USA. About Alpha Tau Alpha Tau Medical™ was founded in 2016 by CEO Uzi Sofer to develop and commercialize the Alpha DaRT™ (Diffusing Alpha-emitters Radiation Therapy), invented by Professors Itzhak Kelson and Yona Keisari from Tel Aviv University. Alpha Tau's goal is to bring this innovative alpha radiation technology to cancer patients around the world. Follow Adam on Instagram at https://www.instagram.com/askadamtorres/ for up to date information on book releases and tour schedule. Apply to be a guest on our podcast: https://missionmatters.lpages.co/podcastguest/ Visit our website: https://missionmatters.com/ More FREE content from Mission Matters here: https://linktr.ee/missionmattersmedia Learn more about your ad choices. Visit podcastchoices.com/adchoices

We had a kwentuhan with G Delivers last Philippine Startup Week 2025!G Delivers is your All-in-One Delivery & Transport App! Get food, pharmacy items, groceries, shop essentials, parcels, e-commerce orders, all in one app. Download now on Google Play Store! About to launch in App Store!This episode is recorded live at the Philippine Innovation Hub in Marikina City.In this episode:00:00 Introduction02:33 Ano ang G Delivers?How can listeners find more information?G DELIVERSWebsite: https://g-delivers.comFacebook: https://facebook.com/gdeliversphilippinesPHILIPPINE STARTUP WEEKWebsite: https://phstartupweek.comFacebook: https://facebook.com/PhilippineStartupWeekTHIS EPISODE IS CO-PRODUCED BY:Kredit Hero: ⁠⁠⁠https://kredithero.com/⁠⁠⁠Yspaces: ⁠⁠⁠https://knowyourspaceph.com⁠⁠⁠Twala: ⁠⁠⁠https://twala.io⁠⁠⁠Symph: ⁠⁠⁠https://symph.co⁠⁠⁠Secuna: ⁠⁠⁠https://secuna.io⁠⁠⁠SkoolTek by Edfolio: ⁠⁠⁠https://skooltek.co⁠⁠⁠MaroonStudios: ⁠⁠⁠https://maroonstudios.com⁠⁠⁠CompareLoans: ⁠⁠⁠http://compareloans.ph⁠⁠⁠CHECK OUT OUR PARTNERS:Ask Lex PH Academy: ⁠⁠⁠https://asklexph.com⁠⁠⁠ (5% discount on e-learning courses! Code: ALPHAXSUP)ArkoTech: ⁠⁠⁠https://www.arkotechspacesolutions.com/⁠⁠⁠DVCode Technologies Inc: ⁠⁠⁠https://dvcode.tech⁠⁠⁠NutriCoach: ⁠⁠⁠https://nutricoach.com⁠⁠⁠Argum AI: ⁠⁠⁠http://argum.ai⁠⁠⁠PIXEL by Eplayment: ⁠⁠⁠https://pixel.eplayment.co/auth/sign-up?r=PIXELXSUP1⁠⁠⁠ (Sign up using Code: PIXELXSUP1)School of Profits: ⁠⁠⁠https://schoolofprofits.academy⁠⁠⁠Founders Launchpad: ⁠⁠⁠https://founderslaunchpad.vc⁠⁠⁠Hier Business Solutions: ⁠⁠⁠https://hierpayroll.com⁠⁠⁠Agile Data Solutions (Hustle PH): ⁠⁠⁠https://agiledatasolutions.tech⁠⁠⁠Smile Checks: ⁠⁠⁠https://getsmilechecks.com⁠⁠⁠CloudCFO: ⁠⁠⁠https://cloudcfo.ph⁠⁠⁠ (Free financial assessment, process onboarding, and 6-month QuickBooks subscription! Mention: Start Up Podcast PH)Cloverly: ⁠⁠⁠https://cloverly.tech⁠⁠⁠BuddyBetes: ⁠⁠⁠https://buddybetes.com⁠⁠⁠HKB Digital Services: ⁠⁠⁠https://contakt-ph.com⁠⁠⁠ (10% discount on RFID Business Cards! Code: CONTAKTXSUP)Hyperstacks: ⁠⁠⁠https://hyperstacksinc.com⁠⁠⁠OneCFO: ⁠⁠⁠https://onecfoph.co⁠⁠⁠ (10% discount on CFO services! Code: ONECFOXSUP)Wunderbrand: ⁠⁠⁠https://wunderbrand.com⁠⁠⁠Uplift Code Camp: ⁠⁠⁠https://upliftcodecamp.com⁠⁠⁠ (5% discount on bootcamps and courses! Code: UPLIFTSTARTUPPH)START UP PODCAST PHYouTube: ⁠⁠⁠https://youtube.com/startuppodcastph⁠⁠⁠Spotify: ⁠⁠⁠https://open.spotify.com/show/6BObuPvMfoZzdlJeb1XXVa⁠⁠⁠Apple Podcasts: ⁠⁠⁠https://podcasts.apple.com/us/podcast/start-up-podcast/id1576462394⁠⁠⁠Facebook: ⁠⁠⁠https://facebook.com/startuppodcastph⁠⁠⁠Patreon: ⁠⁠⁠https://patreon.com/StartUpPodcastPH⁠⁠⁠PIXEL: ⁠⁠⁠https://pixel.eplayment.co/dl/startuppodcastph⁠⁠⁠Website: ⁠⁠⁠https://phstartup.online⁠⁠⁠This episode is edited by the team at: ⁠⁠⁠https://tasharivera.com⁠⁠

The accounting team at Looker showed up every day knowing their jobs might disappear within a year. The company was in limbo—acquired by Google but still waiting on European approval—so the deal hadn't closed, integration hadn't begun, and uncertainty hung over the office. Yet the team continued to deliver “absolutely excellent work,” taking pride in their craft even when the upside had faded, Razzak Jallow tells us.That moment stayed with him. For Jallow, now CFO of FloQast, it crystallized a belief that professionalism and pride are not situational—they're intrinsic. “We get to choose what we do,” he says, reflecting on how the team's attitude revealed character when incentives were stripped away. It's a lesson that echoes throughout his career, from Adobe's subscription transition to Apple's sales finance organization and into his first CFO role.At FloQast, that mindset shows up in how he approaches scale. Early on, the work was about fixing what was directly controllable—the “low-hanging fruit,” as he puts it. Over time, the challenge shifted. As teams and systems matured, the hardest problems required multiple functions to change together, Jallow tells us. Speed gave way to coordination; individual fixes gave way to shared ownership.The same discipline shapes how he thinks about growth. Efficient growth, in his view, starts with customer value, not the P&L. If teams are investing in the highest-ROI initiatives for customers, the financial results will follow—“maybe not in three months… but certainly long term,” he tells us.Whether navigating acquisition limbo or platform expansion, Jallow's throughline is clear: strategy is built on judgment, culture, and pride in the work—especially when no one is watching.

Why do so many profitable eCommerce businesses still run out of cash or even fail outright? In this episode, I'm continuing my financial mastery series by breaking down what I consider the second core commandment: master your financial statements. Forget textbook definitions; this is the real-world, eCommerce-specific understanding store owners actually need to make better decisions. Listen in as I walk through the practical purpose of each financial statement, the biggest misconceptions founders have about them, and the simple tools you can use to avoid the costly traps that sink otherwise strong businesses. I also cover contribution margin vs. gross margin, working capital mistakes, inventory turn benchmarks, how to build a useful cash flow forecast, and why understanding these fundamentals protects you more than any CPA or CFO ever could. You can find show notes and more information by clicking here: https://bit.ly/3ZnI9ak Interested in our Private Community for 7-Figure Store Owners?  Learn more here.   Want to hear about new episodes and eCommerce news round-ups?  Subscribe via email.

#thePOZcast is proudly brought to you by Fountain - the leading enterprise platform for workforce management. Our platform enables companies to support their frontline workers from job application to departure. Fountain elevates the hiring, management, and retention of frontline workers at scale.To learn more, please visit: https://www.fountain.com/?utm_source=shrm-2024&utm_medium=event&utm_campaign=shrm-2024-podcast-adam-posner.Thanks for listening, and please follow us on Insta @NHPTalent and www.youtube.com/thePOZcastFor all episodes, please check out www.thePOZcast.com  Takeaways- The biggest misconception is that most people are excited about transformation.- A small percentage of the workforce drives the majority of results.- The top 20% of employees contribute to 80% of outcomes.- The top 1% can drive a quarter of the results.- Most employees are tied to their current work methods.- Transformation may not feel significant to the majority.- Business leaders often assume support without engagement.- Engaging employees is crucial for successful transformation.- There is often an under-investment in change management.- Leaders must facilitate change rather than just declare it. 00:00 – Welcome & Jeff's Backstory in HR TransformationAdam kicks off the POZcast and introduces Jeff Williams, president and CFO at Aptia, walking through his career leading massive HR and business transformation efforts at Paychex, ADP, Alight, Aon and more.01:13 – Growing Up With a Self-Made FatherJeff shares his family story: born Canadian, raised American, youngest of eight, and the journey of his dad going from drafting apprentice to CEO at the same company over 33 years—and the lessons embedded in that.02:35 – Early Lessons: Hard Work, Humor & LossJeff reflects on what he learned from his father before losing him at 19: the value of hard work, eating fast at a crowded table, and keeping humor and lightness at the center of life and leadership.03:45 – From Telecom to the People Business (ADP Entry Point)Jeff explains how he moved from technology and telecom into human capital, taking on the role leading ADP's Canadian operations and discovering the power of the HR and benefits space.04:38 – Hiring at a High Bar: Talent, Drive & InstinctsAdam asks how Jeff hired to ADP's level. Jeff lays out his hiring philosophy: ambition beyond natural gifts, complementary skills, people better than him in key areas—and why he trusts his instincts on fit.06:25 – Real Leadership: Hiring People Better Than YouThey dig into succession, “making yourself dispensable,” and the idea that if you can't take a vacation without everything falling apart, that's a failure of leadership, not a badge of honor.07:30 – Pre-Email Days & The Human Side of WorkJeff remembers the 286/386 era and talks about how, before digital tools, people invested more in each other in person—inside and outside of work—and how that shaped deeper relationships.08:43 – Remote Work, COVID, and an Isolated WorkforceThey go deep on the pandemic: the rapid shift home, the early productivity spike, inflation pressures, relocation, and the rise of isolation and mental health issues as remote work took hold.11:10 – Young Workers, Office Longing & Loyalty ShiftsAdam shares what he's seeing with candidates who actually want to be in-office to learn through osmosis. Jeff talks about building the next generation of leaders and how in-person time rebuilds fabric and loyalty.13:32 – Mental Health, Home Setups & Productivity RealityThey unpack the assumption that everyone has an ideal home workspace—calling out caregiving, cramped spaces, kids, and distractions—and how that's quietly driving some people back to the office.14:51 – Why Jeff Bet on Aptia & the Move to BostonJeff explains what drew him to Aptia: the chance to build something differentiated and lasting, formalize his cross-border life, and finally live and work in the same country as his family.17:42 – The Big Vision: Building the Best Benefits Company in AmericaJeff outlines his ambition to build the best (not necessarily biggest) benefits services and administration company—one loved by clients, employees, and partners while supporting the communities they serve.19:04 – Benefits as a Talent Magnet: Total Rewards, Not Just SalaryThey talk about smart candidates, how benefits (health, financial, time off, ancillary) close offers, and why companies need to position total rewards early and clearly in the hiring process.21:13 – Closing the Benefits Understanding GapJeff shares the reality: most employees don't fully understand or appreciate their benefits. He talks about accessibility, education, and surfacing value in ways employees actually grasp.22:33 – Introducing Aptia One: Seamless, AI-Led Benefits ExperienceJeff breaks down Aptia One—how it's designed to create simple, AI-led, consumer-grade experiences for employees, employers, and partners across phone, web, and natural language interfaces.25:14 – How Jeff Is Personally Upskilling in AIJeff shares his approach to AI as a leader: consuming everything he can, learning from experts, applying lessons from previous waves of tech disruption, and staying hyper-relevant to where markets are heading.26:54 – Realistic AI: Simplicity, Accuracy & Avoiding AI-WashingThey discuss using AI to simplify journeys, NOT over-hyping capabilities, and why, in a business where you must be nearly 100% accurate on benefits, you must apply AI carefully and responsibly.28:43 – The Hard Truth About TransformationJeff calls out a big misconception: leaders assume everyone's excited about transformation. He explains why frontline employees often aren't enlisted as deeply as leaders think and why change enablement is under-invested.30:18 – Service, Soul & Corporate PhilanthropyThe conversation shifts to service: Jeff's history with DEI, United Way, and community work, and why doing something for others makes him feel more complete as a human and leader.31:25 – Why People Want Companies With a SoulJeff explains how corporate philanthropy, whether via one flagship cause or hyper-local initiatives, shapes belonging, engagement, and the desire to work for companies that care about more than profit.33:55 – Jeff's Son's Cancer Journey & Life Perspective ShiftsJeff shares the powerful story of his son Kevin's osteosarcoma diagnosis at 13, the grueling treatment, and how that battle reshaped his view on perseverance, priorities, and what really matters.36:26 – Adam's Own Cancer Battle & Shared PerspectiveAdam opens up about his recent Hodgkin's lymphoma remission, the physical and emotional toll, and how surviving cancer reframes life, work, and gratitude for both of them.40:04 – What Keeps Jeff Up at Night: Stewardship & FamilyJeff talks about being a “work in progress,” how life is now about his kids, his wife, and his responsibilities, and the ongoing chase to be a good steward for his family, business, and community.41:48 – Optimism About Humanity & The Future of BenefitsJeff shares a global perspective: wherever he goes, people want similar things for their families and communities. He then lays out the “big three” of benefits—health, wealth, and time off—as core holdings.43:26 – Designing Benefits Like a PortfolioThey dig into tailoring benefits to your population (e.g., menopause benefits, pet insurance, nonprofit-oriented perks), feeding what works, starving what doesn't, and iterating to truly serve your people.44:37 – Redefining Success: Energy for the Journey AheadIn closing, Jeff defines success not by titles or money, but by whether you still wake up excited for what's ahead—at work, at home, on the golf course, and in life overall.46:08 – Wrap-Up & Where to Find Jeff and AptiaAdam closes the episode, sharing where listeners can learn more about Aptia, connect with Jeff on LinkedIn, and reminding everyone to review, subscribe, and keep being good to themselves and better to others.

Join Simtheory: https://simtheory.aiReserve your seat on the STILL RELEVANT tour: https://simulationtheory.ai/16c0d1db-a8d0-4ac9-bae3-d25074589a80----Two episodes in one week? We're either above average or completely unhinged. In this one, we dive deep into the new phenomenon of "AI exhaustion" – that fried feeling you get after multitasking across six agent tabs all day. We share our breakthroughs with AI-assisted presentations (20 minutes vs several hours), why browser-use on your local machine bypasses every anti-scraping technique known to man, and how enterprise context sharing could be the real unlock for organizations. Plus: OpenAI announces ads for ChatGPT (even on paid tiers), their CFO floats taking cuts from drug discoveries (seriously), and Google publicly dunks on them for it. Also – the Still Relevant Australia Tour is coming, and our LinkedIn group hit 200 members (we're basically LinkedIn influencers now too).CHAPTERS:0:00 Intro - Still Relevant Tour Announcement + LinkedIn Milestone2:08 AI Exhaustion: The Cognitive Overload of Multitasking with Agents4:14 Why Single-Tasking with AI Beats Parallel Agent Chaos7:02 The Problem with "I Spun Up 70,000 Sub-Agents" Twitter Posts10:03 Mike's Presentation Workflow: From Hours to 20 Minutes14:06 Why Isn't Copilot Doing This Already?16:54 Old Models + Great Context = Still Amazing Results21:14 What's Actually Changed? It's the Software Layer25:22 Enterprise Context Sharing & Organizational IP31:22 Skills, Sub-Agents, and Role-Based Knowledge35:22 Security Concerns: Can You Hack an Agent with Malicious MD Files?38:23 Cloud Providers Have a Bigger Moat Than the Labs43:16 Browser Use: The Ultimate Context Gathering Weapon48:25 Rethinking SaaS: Software That Actually Thinks53:08 Smart Paste, Smart CC – Why Isn't All Software Like This?56:32 OpenAI's Desperate Moves: Ads, Age Verification & Drug Royalties1:03:03 Google Says "No Plans for Gemini Ads" (Shots Fired)1:07:24 Is OpenAI Okay? The Vibes Are Definitely Off1:10:35 Capitalism Won't Give You Free Time, Just More Demands1:11:20 Outro + Still Relevant Tour DetailsThanks for listening. Like & Sub. Links below for the Still Relevant Tour signup and Simtheory. xoxo

Bob Miller, CEO and Founder of IRGame, is a technology entrepreneur with 30+ years of experience across cybersecurity and emerging technologies. He's a pioneer in using AI-powered gamification for incident response (“IR”) training, designed specifically for busy executives who can't spend full days in training but must make high-stakes decisions quickly during real crises. IRGame puts executive teams through realistic scenario such as ransomware, data breaches, business email compromise, and AI-related incidents, so they can practice decision-making under pressure. Returning to Lafayette and building startups Bob graduated in 1988 from University of Louisiana – Monroe in Computer Science and Math. He moved back to Louisiana from San Jose around 2010 and chose Lafayette as home. Almost immediately, the Lafayette Economic Development Authority (LEDA) contacted him about helping build a startup accelerator. With experience across roughly 10 startups, he became founding director of what he named the Opportunity Machine, where his title was “Head Machinist”). Bob later continued mentoring via the Accelerator Board. After three years, engineer and entrepreneur Bill Fenstermaker recruited him to help commercialize products at Fenstermaker & Associates. Bob worked on projects including a custom GIS system and underwater acoustics, following earlier work in areas like satellite systems. Later he became COO at Waitr in its early stage, helping scale from about 300 to 3,000 employees in roughly 12–14 months, the kind of operational scaling challenge he's often brought in to manage. He then joined a local managed service provider and helped transform it into a managed security service provider, an experience that directly led to IR Game. Why IR Game exists Bob identified a persistent problem: many organizations resist spending time and money on cybersecurity because they don't understand it and lack an emotional connection because they have never experienced a crisis. Traditional tabletop training exercises meant to train a business team on how to respond during a crisis (paper scenarios, PowerPoint presentations, and sitting around a conference table discussing solutions) have existed for decades, but they're time-consuming (often 80–90 hours to prepare) and require pulling people into a room for a full day, which makes them expensive and hard to scale. If it's hard, many companies simply don't do it. Bob attended a cybersecurity conference and participated in a tabletop designed for managed service providers, an exercise that was “fundamentally terrifying” and eye-opening. A worst-case Managed Service Provider (“MSP”) scenario is when a third-party tool, especially remote monitoring and management (RMM) software, gets compromised. That can lead to ransomware across an MSP's entire customer base simultaneously. The exercise illustrated IRGame's central insight: about 80% of incident response is non-technical in nature: financial consequences, shutdown decisions, customer impact, employee panic, communications, reputational and legal exposure. Bob brought the tabletop back to his company and ran it with 80 of 130 employees, customizing it with real customer names, revenue figures, and tenure. Even with a mature incident response plan and twice-yearly practice, they discovered a dozen needed changes. That convinced him that if a well-prepared security organization learns that much from a scenario, “everybody can.” The breakthrough: turning tabletop into an online multiplayer game During that exercise, a longtime software collaborator of Bob’s mentioned he still had a dormant game app framework built years earlier for a high-school project with Bob's daughter. He believed he could convert the paper tabletop into an online multiplayer experience in a weekend. After running the in-person tabletop on Thursday, he demonstrated a working browser-based multiplayer version on Sunday. They showed it to cybersecurity tabletop authors and industry influencers, Matt Lee and Ethan Tancredi, who were shocked by how quickly the tabletop content had been transformed into a functional digital game. Soon after, they invited about 20 people to test it. The early version looked rough, like a 1980s text adventure, but it worked. The response was far stronger than expected: participants reported intense emotional engagement and immediate practical takeaways. One government participant said it left him rattled, with pages of notes and a need for a drink; an MSP in Hawaii asked when he could use it with customers. That became a monthly community practice program: they've run 25+ free games, putting 1,000+ people through the system. As demand grew—especially from providers wanting to use it with customers—IRGame chose to commercialize. IR Game mirrors tabletop training but compresses it into a high-intensity, guided simulation. A scenario is narrated like scenes in a movie. Participants answer opening questions to get teams communicating quickly, which is critical because incident response requires fast coordination. Players assume roles and must allocate limited resources to tasks. Challenges pile up faster than teams can handle them, forcing prioritization and tradeoffs, just like real incidents. A key design element is pressure: a relentless timer counts down; there's no pause button. This stress reveals the truth: under pressure, people become more honest about gaps in their preparedness. That's valuable because organizations often sugarcoat weaknesses—until a simulation forces real reactions. Bob explained an example crisis scenario: a business email compromise (which he says is currently a dominant incident type). A financial firm discovers a customer wired money to a “new account” supposedly sent by the CFO, yet the CFO didn't send it. As the story unfolds, participants learn the compromise likely affected many customers, not just one. The game surfaces operational realities executives often miss: internal rumors, uncontrolled communications, legal exposure triggered by words like “breach,” and the need for an “event mode” communications policy that calms the organization and prevents chaos. AI scenarios and new risks IRGame also focuses on emerging AI-related risks. Miller says they ran what they described as the first AI incident scenario at a national security conference (IT Nation Secure) and now maintain multiple AI scenarios. The point is not to create fear, but to provide a safe environment to practice decisions around new threat patterns. Practical cybersecurity guidance for individuals and small businesses Bob emphasizes that cybersecurity is no longer optional and that AI strengthens attackers as well as defenders. He predicts that in 2026 smaller businesses will face increased targeting, because automation lets “two dudes and a dog” run campaigns that once required larger teams, making up revenue in volume rather than big single payouts. He also notes that cybercriminal ecosystems now resemble legitimate businesses, including tools, support, and organizational structure. Bob recommends baseline controls that are realistic for small organizations: unique passwords, password managers, multi-factor authentication, training on phishing, cyber insurance, and economical endpoint monitoring (EDR/MDR). These measures raise the cost for attackers so they move on to easier targets, though no control is perfect. On password managers, Bob uses Keeper and mentions 1Password and others. He strongly warns against saving passwords in browsers. He also flags emerging concerns about AI-enabled browsers that maintain a large “context window” across many sites, potentially increasing risk if compromised. On online exposure to your information, such as emails and staff info on websites, he advises sharing only what's necessary. Data can be scraped and used for phishing and impersonation. Deepfakes and better-written scams are making social engineering harder to detect. He also notes that much personal data is already exposed through breaches, citing Louisiana's DMV breach as an example of widespread data loss where every licensed driver's Social Security Number was compromised. Incident response planning and insurance pressure A recurring theme: organizations need an incident response plan and must practice it, especially as cyber insurers increasingly demand proof. In a room of 50+ attorneys he spoke to recently, Miller found only three had a plan, and none practiced it. He warned that future claims could be denied if companies claim they had plans but don't demonstrate practice. Trying IRGame for free IRGame offers free public sessions: the last Friday of every month, sign-up available via their website. Miller notes they also post recordings and content online (LinkedIn and YouTube). Visit https://www.irgame.ai/ for more information and to sign up for a free public session. You can also see how IRGame works by visiting its youtube channel at https://www.youtube.com/@IRGameify Personal note: music and creativity Outside cybersecurity, Miller is a musician, primarily blues/rock, and often appears on video with guitars behind him. He draws a parallel between software development and music: both require creativity within rules. He argues policies and procedures aren't bureaucracy—they're like scales and tempo: structure that enables effective performance under pressure.

From investment banker to crypto fund strategist, Stas Sukhinin shares insider perspectives on how credit committees really make decisions, why over-leveraged companies fail fast during downturns, and where stablecoins are creating trillion-dollar transaction opportunities. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with Stas Sukhinin, a finance veteran with over 19 years of experience spanning investment banking, corporate lending, and alternative asset management. Stas began his career at internationally recognized institutions including UniCredit and Societe General, where he helped pioneer mezzanine loan products in Eastern Europe. By age 29, he had become a senior partner at one of the region's largest mezzanine lenders, managing a team of 20 finance professionals and overseeing a $450 million loan portfolio. WHAT YOU'LL LEARN: In this episode, you'll discover what really happens inside credit committees when your loan application gets reviewed and why factors unrelated to your business can determine outcomes. Stas explains how strong companies can go from healthy to restructuring in just three to four months when leverage catches up with them, and the critical difference between how first-time owners and experienced operators approach debt decisions. You'll learn the two key factors that determine how much debt your business can handle, why working capital provisions in purchase agreements deserve more attention than most buyers give them, and how sellers legally present financials in the most favorable light. The conversation also covers Stas's experience investing in the 2017 ICO boom where 90% of projects went to zero but winners returned 50x to 100x, why venture capital investors sometimes block deals that would be life-changing for founders, and where stablecoin transaction volume is already reaching trillions while most people remain unaware. STAS'S JOURNEY: Stas's path into finance started at age 14 when a classmate brought a business magazine to school. Reading about business owners selling companies for millions crystallized his direction. He knew he wanted to be in corporate lending where he could see businesses, analyze financials, and speak directly with owners while working with numbers at a bank. His first role as a junior credit analyst gave him exactly that. He progressed from working with small businesses that had no financials to mid-sized companies to large corporations. Each step taught him more about how deals really get done from inside the institutions making funding decisions. CREDIT COMMITTEE INSIGHTS: Stas pulls back the curtain on what actually happens when loan applications reach credit committees. The reality differs dramatically from what most business owners imagine. Factors affecting approval can seem completely unrelated to the specific deal. Maybe the bank already has a competitor in their portfolio. Maybe the receivable financing department has a different relationship with someone in your industry. One offhand comment from a committee member who hasn't read the full memo can change the entire trajectory of a conversation or result in higher interest rates. DEBT MANAGEMENT LESSONS: The pattern Stas has seen destroy companies in months follows predictable steps. Revenue drops or stagnates. Margins deteriorate because of increased competition and client uncertainty. Debt ratios that looked comfortable suddenly reach concerning levels. Refinancing options disappear just when needed most. Interest rates climb. Everything compounds simultaneously. The difference between experienced and first-time business owners comes down to scenario planning. Experienced operators build safety margins and stress-test assumptions. First-time owners assume conditions will continue as they are. That assumption determines survival. ALTERNATIVE INVESTMENTS: Stas joined a crypto investment fund at its inception in 2017 during the ICO boom. Out of many investments, approximately 90% went to zero. The winners returned 50x or 100x. His observation about liquidity cycles was particularly interesting. Traditional venture now averages seven-year holding periods while crypto projects can reach liquidity events in three or four years through token distributions. On stablecoins, Stas sees enormous opportunity in programmable money. Transaction volume is already in the trillions though most people in developed countries don't realize the scale. Goldman Sachs reportedly reduced bond settlement time from three days to minutes using blockchain technology. Perfect for business owners considering debt financing, entrepreneurs navigating capital raising, and anyone interested in how credit decisions really get made and where alternative investments are creating new opportunities. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/stassukhinin FOR MORE ON STAS SUKHININ: https://www.thesourcer.so https://www.linkedin.com/in/stassukhinin/ FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps: [00:00] - Introduction: Stas Sukhinin's 19 years in finance from investment banking to crypto [03:26] - First deal experience: Structuring a real estate development loan with disbursement tied to sales [05:47] - Hidden factors: Why deals get rejected for reasons unrelated to underwriting criteria[08:20] - Committee dynamics: How one comment from an uninvolved member changes deal trajectories [11:41] - Timing and instruments: When companies use the wrong type of capital [15:55] - Risk assumptions: The difference between first-time and experienced business owners [18:29] - Volatility factors: How income stability determines appropriate leverage levels [21:09] - M&A implications: Structuring adjustment provisions for concentration risk [24:09] - Liquidity advantages: Why crypto offers shorter holding periods than traditional venture[27:55] - Venture math: The story of a VC blocking a life-changing exit for 1x returns [29:27] - Due diligence limitations: Legal ways sellers present favorable financials [32:14] - Stablecoins explained: Digital tokens designed to maintain dollar parity [36:31] - Programmable money: Smart contracts that execute automatically on conditions [38:00] - Financial advisory services: How Stas helps business owners understand their financials[39:14] - Freedom defined: Removing gatekeepers and accessing financial systems without barriers Guest Bio: Stas Sukhinin has over 19 years of experience in finance spanning investment banking, corporate lending, and alternative asset management. He began his career at internationally recognized institutions including UniCredit and Societe General, where he helped pioneer mezzanine loan products and shaped the market in Eastern Europe. By age 29, Stas had become a senior partner at one of the region's largest mezzanine lenders, managing a team of 20 finance professionals and overseeing a $450 million loan portfolio. He later served on boards of several private companies, deepening his expertise across credit investments and corporate governance. Recognizing early opportunities in alternative assets, Stas joined a crypto investment fund at its inception in 2017 and continues to lead its strategy and operations. He now helps business owners run more efficiently from the lens of financials through his advisory practice. Host Bio: Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description: Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Get the confidence to pursue deals that will help your company scale faster. Related Episodes: Episode 350 - Tom Dillon: When NOT to Take Venture Capital Money: Explore alternative funding sources including private credit, SBA loans, and sale-leasebacks with a fractional CFO who works with startups on capital strategy. Episode 370 - Gerry Hays: Democratizing Venture Capital Through VentureStaking: Discover alternative approaches to early-stage investing that don't require massive checks or exclusive networks. Episode 85 - Nick Adams: Seed Stage Venture Capital Funds: Understand how traditional VCs think about early-stage deals and what metrics they evaluate from the investor perspective. Episode 351 - Solocast: Deal Structures Beyond M&A and Capital Raising: Learn about joint ventures, strategic alliances, licensing agreements, and other creative partnership models for business growth. Episode 324 - Sejal Lakhani-Bhatt: Tech Due Diligence in M&A: Explore how technology systems and cybersecurity impact business valuation and deal outcomes. Episode 330 - Pete Mohr: Preparing Your Business for Exit: Understand why sellers often cause deals to fail and how to prepare for the emotional aspects of selling a business. Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Follow Stas Sukhinin: LinkedIn: https://www.linkedin.com/in/stassukhinin/ Website: https://www.thesourcer.so Keywords/Tags: corporate lending insights, credit committee decisions, debt management for businesses, mezzanine lending, alternative asset management, crypto investment strategy, stablecoin business applications, EBITDA management, leverage risk, working capital due diligence, venture capital exits, ICO investing, blockchain finance, programmable money, business financing, capital structure, due diligence strategies, financial advisory, dealmaking, business growth strategies

Today on Exploring the Marketplace, Shawn Bolz and Bob Hasson tackle a struggle many leaders, creatives, and believers quietly carry: striving for God instead of working with God.This episode features guest Nathaniel Vossler, former CFO turned founder of Rhema Now, an app designed to help believers engage in listening prayer, group intensives, and Spirit-led coaching. In early 2025, Nathaniel stepped away from the corporate world after sensing God's clear call into a new season—building this platform alongside his wife while raising their growing family in Idaho.Together, Shawn, Bob, and Nathaniel get practical about:Moving from pressure to presenceSaying no to good things that aren't God thingsCreating Spirit-led rhythms for your calendar and decisionsHearing God clearly in real business and life transitionsLetting go of ego, overcommitment, and burnoutBuilding sustainably with God, not just for HimShawn and Bob also share personal stories of burnout, overextension, and the hard-earned wisdom that comes from learning to surrender control and trust God's pace. This episode is an honest, hope-filled invitation to trade striving for peace—and rediscover what it looks like to walk in true partnership with the Holy Spirit.If you're tired, driven, successful—but longing for peace—this conversation is for you.