Podcasts about CPA

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.

PODCAST LAS NOTICIAS CON CALLE DE 22 ENERO DE 2026 - USA está buscando un traidor en Cuba para lograr un cambio de gobierno - WSJTrump logra acuerdo bajo presión para quedarse con Groenlandia - FTTrump logra crear una junta de la paz tratando de cambiar las naciones unidas - Fox News Frío mega pelú en USA dispara el precio del gas natural - CNBCEl caso de Liza Cook y el FED plantea límites al poder de Trump - FTDeuda con maestros continúa y el concepto de carrera magisterial sigue detenido - PPD busca a David Bernier para correr para San Juan - El Vocero Buscan crear una carretera como la Calle 861 Reverenda Wanda Rolón - WUNOGobernadora quiere medida para que se hagan 5 minutos de reflexión para empleados públicos Yovngchimi se va a declarar culpable tras acuerdo con los federales - Primera Hora Cogen hogar de ancianos fatulo cobrando hasta 4 mil mensuales - Primera Hora Inversionistas empiezan a diversificar de intereses en USA, según Ray Dalio - Bloomberg Guerra de Trump contra renovables cancela 350 millones para PR - El Nuevo Día Reforma contributiva es mala para los que ganan sobre 100 mil dice colegio de CPA's - El Nuevo Día Gobierno de PR gastó casi 2 millones en exhibidores de FITUR Gobernadora mete anuncios por un tubo y siete llaves, alega que creó montones de empleos  Juicio contra Elvia va y parece tendrá 40 testigos - El Nuevo Día • ¿Quieres ser un líder empresarial? Con el Bachillerato en Administración de Empresas con concentración en Gerencia de EDP University, te capacitas para liderar y tomar decisiones clave en cualquier organización. Desarrollarás habilidades en gerencia, finanzas, mercadeo y recursos humanos, ¡e incluso aprenderás a crear y lanzar nuevos negocios! Conviértete en el gerente innovador y estratégico que la empresa necesita. Disponible 100% en línea, presencial en Hato Rey y Humacao.No esperes más, y ¡matricúlate! en EDP University, Saber es Poder Incluye auspicio

Welcome to another power-packed episode of the Building Your Money Machine Show! Today, I'm pulling back the curtain on what truly separates those who actually cross the million-dollar net worth line from those who just spin their wheels — and believe me, it's not about being smarter, more motivated, or waking up at 4:17am to meditate. It's all about mastering the psychology around money.As someone who's spent over 30 years as a CPA and money mentor, I've seen the same patterns play out again and again. Most people will earn enough throughout their lives to reach that magical million-dollar net worth, but very few do. Why? It's not the income — it's the behaviors and the psychological traps that hold us back. In this episode, I break down the six key psychological patterns of first-generation millionaires and reveal the actionable steps you can start taking right now to plug those money leaks and build real financial freedom.I walk you through strategies like delaying gratification, creating an internal locus of control, stress-testing big decisions, and automating your way to wealth. If you're ready to turn your income into real freedom, this one's for you.IN TODAY'S EPISODE, I DISCUSS:Why income alone will never set you free How to stop letting feelings drive your money decisionsThe power of delayed gratificationThe surprising truth about time affluenceThe difference between automation and motivation in making your path to a million dollars “aggressively boring”The crucial role of emotional regulationRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/The Silent Rules of the Financial System That Keep You Poor7 Assets Rich People Never Buy And The Poor Always DoHow Much Money Do You Actually Need to Be Rich in 2026Psychology of People Who Act Poor When They're RichI Met 400+ Millionaires - This is what I LEARNEDRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:The Silent Rules of the Financial System That Keep You Poor: https://youtu.be/akr5474dwps7 Assets Rich People Never Buy And The Poor Always Do: https://youtu.be/A9f-IgNKU8wHow Much Money Do You Actually Need to Be Rich in 2026: https://youtu.be/85I0KQmX9PMPsychology of People Who Act Poor When They're Rich: https://youtu.be/KpZEuniVbwkORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

For many entrepreneurs and investors, financial success often feels harder than it should. Despite tireless work and long hours spent chasing income, they still end up owing a business that runs them rather than the other way around.Today's guest has spent decades helping people break that cycle by shifting how they think about money, assets, and financial freedom itself.Sharon Lechter is a globally recognized financial literacy expert, former CPA, keynote speaker, and five-time New York Times bestselling author. She is best known as the co-author of Rich Dad Poor Dad and 14 additional books in the Rich Dad series, including the transformational Cashflow Quadrant. She's also co-authored many other influential books, including Exit Rich, Three Feet from Gold, and Think and Grow Rich for Women.Sharon has dedicated her career to educating and empowering investors at any level, helping them move from earned income to asset-driven wealth while reclaiming their time. In her newest book, Old Wealth, New Wealth, True Wealth, Sharon offers readers both an inspiring fable and a practical blueprint for crafting a legacy that lasts.In this episode, you'll learn: ✅ Why the purest definition of financial freedom is when asset income exceeds your monthly expenses.✅ How the Cashflow Quadrant was a game changer for Justin and helps entrepreneurs reclaim time and scale faster by making better decisions.✅ Why Sharon's newest mission with IQ Hall helps creators and entrepreneurs maintain ownership and protect their intellectual property while using AI.Show Notes: LifestyleInvestor.com/274Tax Strategy MasterclassIf you're interested in learning more about Tax Strategy and how YOU can apply 28 of the best, most effective strategies right away, check out our BRAND NEW Tax Strategy Masterclass: www.lifestyleinvestor.com/taxStrategy Session For a limited time, my team is hosting free, personalized consultation calls to learn more about your goals and determine which of our courses or masterminds will get you to the next level. To book your free session, visit LifestyleInvestor.com/consultationThe Lifestyle Investor InsiderJoin The Lifestyle Investor Insider, our brand new AI - curated newsletter - FREE for all podcast listeners for a limited time: www.lifestyleinvestor.com/insiderRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, or wherever you listen, so future episodes are automatically downloaded directly to your device. You can also help by providing an honest rating & review.Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

American Taxes, pay too little and you go to jail. Pay too much and you lose the money you need to reach more readers with advertising and promotion.  If your records feel like a mess of Amazon deposits, Ingram payments, Kickstarter funds, affiliate income, coaching fees and dozens of random expenses you're not alone. In this week's episode, you'll hear from a CPA who works specifically with authors, about how to handle bookkeeping and taxes with confidence. Seth Norris welcome to the Novel Marketing Podcast!You'll learn:A simple bookkeeping rhythm that prevents tax-time chaos.How the IRS decides if your writing is a business or a hobby.The most common mistake that costs authors the most money.Discover how to simplify your approach and how to avoid paying more taxes than you actually owe.If you want to keep more money for advertising, marketing, or feeding your family, stop treating taxes like a deadline of doom. Instead, listen in or read the blog version.Support the show

  Ron Blue is a pioneering Christian financial planner, longtime CPA, and founder of the firms and ministries that helped shape today's faith-based financial movement. After growing up in Indiana, studying at Indiana University, and working for KPMG in New York, Dallas, and San Francisco, Ron returned home to start his own CPA firm in 1970. That firm would grow into one of the top 50 accounting firms in the country, and later, Ron would go on to launch a fee-based financial planning firm for Christians, work closely with Campus Crusade (Cru), and help birth Kingdom Advisors and related initiatives that now influence thousands of advisors and families around the world.  In this episode of The Wow Factor, Brad sits down with Ron to trace how a rigid religious upbringing, an intense drive for success, and a quiet conversion moment on the way to a golf game all led to a radical decision to walk away from a thriving CPA practice and follow God's call to Atlanta. Ron shares how that step of faith, a series of "turning points" he only recognized in hindsight, and a growing conviction that there's no such thing as an independent financial decision laid the groundwork for Christian financial planning, national-level generosity, and ultimately the founding of Kingdom Advisors.  "Everything turned when I realized it all hinged on the resurrection. If the resurrection happened, Christianity is true and I had to respond to that." - Ron Blue  "There's no such thing as an independent financial decision. Every choice you make with money touches your family, your future, and your ability to give." - Ron Blue  "I really believe the church is the next frontier for biblical financial wisdom. We're just now seeing how all these years of proof-of-concept were preparation for serving the local church." - Ron Blue  This Week on The Wow Factor:  • Ron's Indiana roots, early success track, and what drew him to the "big time" at KPMG in New York  • Leaving a secure global firm to start a CPA practice in Indianapolis and realizing most work was really counseling around money and taxes  • Childhood legalism, the soapbox derby story, and how early church experiences shaped his reaction against faith  • Ron's journey from "success first" to wrestling with the resurrection and praying to receive Christ alone in his car  • Moving to Atlanta after a clear call from Philippians 3 and a literal "For Sale by Owner" sign in the attic  • How a time-based CPA model became the blueprint for a fee-for-advice Christian financial planning firm  • The "first million-dollar giver" and the early financial plan that proved generosity could increase cash flow  • Being let go by the board of the firm that bore his name—and why that painful moment was a turning point  • Practical stories of cash-in-hand generosity to families, single moms, and unseen workers  • Ron's vision for serving local churches through trained Kingdom Advisors and holistic financial discipleship  Ron Blue's Word of Wisdom:  Ron believes the local church is the next major frontier for biblical financial discipleship. After decades of proving that faith-based financial principles work, he sees churches uniquely positioned to help people understand stewardship, generosity, and calling at every life stage.   Connect With Ron Blue:  Kingdom Advisors  Ron Blue Institute   Blue Trust    Connect With Brad Formsma:  WOW Factor Website    Brad Formsma on LinkedIn    Brad Formsma on Instagram    Brad Formsma on Facebook    Brad Formsma on X     

You formed your LLC. Good job.But many business owners unknowingly make critical mistakes after formation that quietly destroy liability protection, trigger audits, and limit growth.In this episode, Mike walks through the 10 most common LLC mistakes business owners make in 2026 and explains exactly how to fix them. From mixing personal and business finances to ignoring tax planning and misclassifying owner compensation, this episode gives you a practical framework to audit your business and protect it the right way.If you want your LLC to survive and thrive, not just exist on paper, this episode shows you what to fix now before it becomes expensive later.

Are you ready to take your podcast from a passion project to a monetization-based international business advertising/marketing tool? In this comprehensive episode, host Favour Obasi-ike, MBA, MS delivers an in-depth masterclass on leveraging podcast SEO and monetization strategies for international business growth. This session is the final installment in a series focused on helping podcasters and business owners build sustainable, globally-reaching content strategies.Favour explores the critical intersection of podcasting, search engine optimization, and international business development. The episode covers essential topics including multilingual content localization, performance benchmarks, download metrics, and how to position podcasts for passive monetization through advertising networks.Key highlights include real-world success stories from clients who have transformed their podcasts into powerful SEO assets, including a case study of turning 50 podcast episodes into 50 optimized blog posts that now rank on Google's AI-powered search results. Favour also demonstrates how his own podcast appears in Google's featured snippets and AI mode results, providing concrete proof of the strategies discussed.The episode features interactive discussions with community members Juliana, Celeste, and others who share their own experiences with SEO implementation, AI optimization (AIO), and the tangible business results they've achieved. Juliana shares an exciting success story about landing a major client through Google Gemini recommendations, directly attributable to SEO work completed three years prior with FavourThis episode is essential listening for podcasters, content creators, coaches, consultants, and international business owners who want to understand how to build long-term digital assets, increase discoverability across global markets, and create multiple revenue streams through strategic content optimization.Need to Book An SEO Discovery Call for Advertising or Marketing Services?>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠>> Visit Work and PLAY Entertainment website to learn about our digital marketing services>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Purchase Flaev Beatz Beats OnlineWhat You'll Learn:International SEO Fundamentals: How to optimize your podcast content for multiple languages, regions, and search engines (Google.com, Google.co.uk, and beyond).Monetization Metrics That Matter: Understanding downloads vs. unique listeners, 7-day and 30-day performance benchmarks, and what advertising networks look for.Multilingual Content Strategy: Leveraging localization and translation features to expand your audience across different cultures and languages.Podcast-to-Blog Conversion: The proven method of turning podcast episodes into SEO-optimized blog posts that rank on Google and drive traffic back to your audio content.AI Optimization (AIO): How to position your content to appear in Google's AI mode, featured snippets, and AI-powered recommendation engines like Google Gemini.Real Results: Case studies including a client whose emotional coaching podcast now ranks on Google, and a CPA who landed a major client through Gemini AI recommendations.Long-Term Asset Building: Why SEO is a marathon, not a sprint, and how work done today pays dividends for years to come.Detailed Episode TimestampsIntroduction & Overview (00:00 - 05:55) 00:00 - 00:13: Episode title: "Podcast SEO Monetization for International Businesses". 00:13 - 00:45: Welcome and call to subscribe to We Don't Play Podcast. 00:45 - 01:27: Overview: International business connections through podcasting. 01:27 - 02:31: Performance benchmarks: Downloads vs. unique listeners, measuring success. 02:31 - 03:33: Building sustainable growth and niche dominance. 03:33 - 04:48: Multilingual content and localization strategies. 04:48 - 05:55: International perspective: Moving beyond regional thinking.International SEO Strategy (05:55 - 10:03) 05:55 - 06:58: Analytics insights: Tracking international audience growth. 06:58 - 08:04: Case study introduction: Client success with emotional coaching podcast. 08:04 - 09:09: Turning 50 podcast episodes into 50 SEO-optimized blogs. 09:09 - 10:03: Podcast-to-blog strategy and long-term asset building.Content Conversion & Client Success Stories (10:03 - 15:00) 10:03 - 11:00: Amazon book-to-podcast conversion strategy. 11:00 - 12:00: Passive vs. active content consumption patterns. 12:00 - 13:00: Multi-platform distribution: Spotify, Apple Podcasts, YouTube. 13:00 - 14:00: Clubhouse as a content creation and community building platform. 14:00 - 15:00: Real-time engagement and relationship building.Technical SEO Implementation (15:00 - 20:00) 15:00 - 16:00: Search engine algorithms and content discoverability. 16:00 - 17:00: Metadata optimization for podcasts. 17:00 - 18:00: Location-specific SEO strategies. 18:00 - 19:00: Building booking systems and conversion pathways. 19:00 - 20:00: Creating "red carpet" experiences for potential clients.Monetization Strategies (20:00 - 25:00) 20:00 - 21:00: Advertising network requirements and download thresholds. 21:00 - 22:00: Passive income through podcast monetization. 22:00 - 23:00: Building credibility through consistent content. 23:00 - 24:00: Long-term revenue stream development. 24:00 - 25:00: International market opportunities.Community Engagement & Live Discussion (25:00 - 30:00) 25:00 - 26:22: Community building on Clubhouse since 2020. 26:22 - 27:40: Prayer and intentionality in content creation. 27:40 - 28:40: Daily room commitment and audience engagement. 28:40 - 29:19: Juliana's Success Story: Landing a major CPA client through Google Gemini. 29:19 - 30:00: AI Optimization (AIO) and its importance.AI-Powered Search Results (30:00 - 35:00) 30:00 - 31:11: SEO as a long-term investment: Results from work done 3 years ago. 31:11 - 32:30: Live Demonstration: Host's podcast appearing in Google AI mode with timestamp references. 32:30 - 33:50: Dual focus: Local search dominance + global revenue streams. 33:50 - 34:30: International markets and currency considerations (Shopify example). 34:30 - 35:00: Technical factors: IP address, API, LLM, search history.Actionable Strategies & Takeaways (35:00 - 39:07) 35:00 - 35:50: Being intentional about topics of interest. 35:50 - 36:20: Importance of independent research and validation. 36:20 - 37:18: Celeste's Reflection: Community value and 2026 goals. 37:18 - 38:00: Top 3 priorities: Booking system, financial management, business structure. 38:00 - 38:46: Encouragement and resources for implementation. 38:46 - 39:07: Closing remarks and invitation to daily rooms.This episode is perfect for:Podcasters looking to monetize their content.International business owners seeking global visibility.Coaches and consultants building authority online.Content creators wanting to maximize their reach.Marketers interested in AI optimization strategies.Episode Tags/KeywordsPodcast SEO, International Business, Podcast Monetization, Multilingual Content, Content Localization, AI Optimization, AIO, Google Gemini, Featured Snippets, Download Metrics, Passive Income, Content Repurposing, Blog Strategy, Digital Marketing, Search Engine Optimization, Global Revenue Streams, Podcast Analytics, Advertising Networks, Authority Building, Long-term Strategy, Clubhouse Marketing, Community Building, Business Growth, Online Visibility, International Markets.Target AudiencePodcasters seeking monetization strategies.International business owners.Digital marketers and SEO professionals.Coaches and consultants.Content creators and influencers.Entrepreneurs building online presence.Small business owners expanding globally.Marketing professionals learning AI optimization.Anyone interested in passive income through content.This episode is part of the We Don't PLAY!™️ Podcast series, hosted by Favour Obasi-Ike, focusing on practical digital marketing strategies for business growth.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Our guests on the podcast today are Cody Garrett and Sean Mullaney. They're both advice-only financial planners, and they're the co-authors of a new book called Tax Planning To and Through Early Retirement. Cody is a certified financial planner and the founder of Measure Twice Money, where he helped DIY investors make informed decisions aligned with their values. He also leads Measure Twice Planners, which is an educational community for financial planners. Sean Mullaney is a certified public accountant and head of Mullaney Financial & Tax. He also writes the blog, FITaxGuy.com, which is focused on the intersection between financial independence and taxes.BackgroundSean MullaneyCody GarrettMeasure Twice MoneyMeasure Twice FinancialMeasure Twice PlannersMullaney Financial & TaxFITaxGuy.comTax Planning and Early RetirementTax Planning To and Through Early Retirement, by Cody Garrett and Sean Mullaney“The Backdoor Roth IRA After an Excess Contribution to a Roth IRA,” Sean Mullaney, FITaxGuy.com, Dec 16, 2025“Why I Don't Worry Much About Sequence of Returns Risk,” Sean Mullaney, FITaxGuy.com, Jun 10, 2025“The Tax Planning World Has Changed,” by Sean Mullaney, FITaxGuy.com, Sep. 22, 2025“Bogleheads on Investing® with Cody Garrett, CFP®, and Sean Mullaney, CPA on tax planning to and through retirement: Episode 89″ by Bogleheads on Investing® podcast, BogleCenter.net, Dec. 7, 2025“Managing Taxes in Retirement with Sean Mullaney,” by the White Coat Investor Podcast, WhiteCoatInvestor.com, Nov 20, 2025.Die With Zero: Getting All You Can from Your Money and Your Life―A Revolutionary Approach to Maximizing Life Experiences Over Accumulating Wealth, by Bill Perkins“Reframing Risk In Retirement As “Over- And Under-Spending” To Better Communicate Decisions To Clients, And Finding “Best Guess” Spending Level,” by Michael Kitces, Kitces.com, Apr. 24 2024.More on Early Retirement and FIRE“My Baptism by FIRE: Lessons on Financial Independence,” by Christine Benz, Morningstar.com, May 29, 2025.“Aiming to ‘Die with Zero'? Here Are the Implications for Portfolio Construction and Retirement Spending,” by Jess Bebel, Morningstar.com, Apri. 6, 2025"Derek Tharp: An Alternative Approach to Calculating In-Retirement Withdrawals," The Long View podcast, Morningstar.com, Feb. 21, 2023 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Lucky Lou is 48, burned out and wants to punch at 50. How should he bridge the gap before pensions and Social Security? Joe Anderson, CFP®, and Big Al Clopine, CPA walk through the Rule of 55, 72(t)s, and the psychological reality of spending down a taxable account, today on Your Money, Your Wealth® podcast number 565. Alexei and Anna are high earners in their mid-20s who want to save aggressively and keep taxes low. Which retirement accounts should they prioritize, and can they afford a downpayment on a house? Jay and Gloria are wrestling with the classic question of whether to save to Roth or traditional 401(k), especially since their state doesn't tax retirement income. Is taking the deduction now and backdooring Roths the smarter move? Plus, Sleepless in Seattle wants to know, can her 28-year-old daughter afford to buy a condo in a high-cost housing market? Finally,  Jennifer in Texas wonders how to invest and withdraw an inherited IRA over the 10-year rule with the least tax damage. Free Financial Resources in This Episode: https://bit.ly/ymyw-565 (full show notes & episode transcript) The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How - YMYW TV Guides:  Growing Your Wealth Tax-Free Retirement One Big Beautiful Bill Act Blogs:  A Market of Stocks Why AI May Not Be a Bubble Should You Own Gold Instead of Stocks? Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:04 - Can I Retire at 50 with $5M and Bridge the Gap to Pensions and Social Security? (Lucky Lou) 10:51 - Which Retirement Accounts Should Young High Earners Max First? Can We Afford a House Downpayment? (Alexei & Anna, Cincinnati) 17:57 - Save to Roth 401(k) or Traditional If Our State Doesn't Tax Retirement Income? (Jay & Gloria, People's Republic of IL) 28:21 - Should a 28-Year-Old Buy a Home in an Expensive Market? (Sleepless in Seattle) 37:15 - How to Invest for Most Growth and Least Tax on an Inherited IRA? (Jennifer, TX) 41:04 - Outro: Next Week on the YMYW Podcast

Is your money really going where you want it to when you're gone, or are taxes, outdated documents, and lack of planning quietly deciding for you? In this episode, I sit down with CPA and estate planning expert Shamisa Zvoma to unpack the truths most people miss about trusts, gifting, tax strategy, and why estate planning isn't just for the ultra-wealthy. We talk about control, protection, legacy, and the narrow window many families are overlooking right now that could cost them millions down the road. You'll hear us discuss: Why trusts aren't just for wealthy families and how they give you control long after you're gone The biggest misconceptions people have about estate planning and taxes How trusts can protect assets from creditors, divorce, and poor timing Why giving money outright isn't always the smartest move How lifetime gifting can dramatically reduce future estate taxes The annual gifting limits and how couples can maximize them How paying tuition or medical bills can reduce your estate without triggering gift taxes Why estate plans should be reviewed every 3–5 years (and after major life changes) Real-life examples of what goes wrong when plans aren't updated How state estate taxes can create major surprises even when federal taxes don't apply Resources Shamisa Zvoma on LinkedIn | Phone: 212-605-3182 | Email Stacy Francis on LinkedIn | X(Twitter) | Email FrancisFinancial.com Reach out to receive a complimentary consultation! Contact Francis Financial at +212-374-9008 or visit Francis Financial today!

Welcome to another eye-opening episode of the Building Your Money Machine Show! Today, I'm pulling back the curtain on the silent rules of the financial system—the unwritten games that keep so many smart, hardworking people stuck on the treadmill of never-ending financial stress. If you've ever felt like you're doing all the “right” things but still aren't getting ahead, this episode is for you.I get candid about how the financial system isn't designed to make you wealthy—it's built to keep you busy and keep you spending. I share from my 30+ years as a CPA, entrepreneur, and money mentor what the silent rules are, how they operate, and most importantly, how you can break free from their grip.From the normalization of financial silence, to the invisible fees the system hides, to the trap of transaction speed versus wealth creation, I'm laying it all out. You'll hear about the difference between productive and destructive debt, and why inflation quietly eats away your wealth.Plus, I'll give you micro actions you can take right now to start reclaiming command over your financial future and build a system that serves you—not the status quo.IN TODAY'S EPISODE, I DISCUSS:Why financial silence is normalizedHow invisible fees quietly erode your wealthThe dangers of default settings in financial accountsThe stark difference between how income and wealth are taxedThe real truth about debtHow inflation acts as a stealth tax on your cashWhy you're taught to optimize products instead of build systemsRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/7 Assets Rich People Never Buy And The Poor Always DoHow Much Money Do You Actually Need to Be Rich in 2026Psychology of People Who Act Poor When They're RichI Met 400+ Millionaires - This is what I LEARNEDOnce You Get Rich, Change These 6 Things ImmediatelyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:7 Assets Rich People Never Buy And The Poor Always Do: https://youtu.be/A9f-IgNKU8wHow Much Money Do You Actually Need to Be Rich in 2026: https://youtu.be/85I0KQmX9PMPsychology of People Who Act Poor When They're Rich: https://youtu.be/KpZEuniVbwkI Met 400+ Millionaires - This is what I LEARNED: https://youtu.be/EwQtlsle45YORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

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If you've ever fallen behind on paying your employees or the people who help you, it's time for a hard truth: you made a commitment, and not paying them damages trust, morale, and your reputation as a leader. You'd never accept a customer refusing to pay YOU — so why are you doing it in your own business? Two biggest reasons this happens: poor pricing and ongoing debt that drains every dollar before it reaches your team. You need to stop the financial bleeding, pay your people moving forward, and create a plan to make up any back pay. And when a big job comes in? That money needs to fix the business first, not line your own pockets. Strong businesses take care of their people. Let's get you back on track.   -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

In this week's MBA Admissions podcast we began by discussing the current state of the MBA admissions season. INSEAD and Boston College / Carroll have their Round 3 application deadlines this week. We are also starting to see a few interview invites rolling out for Round 2 for Northwestern / Kellogg and Yale SOM, among other top MBA programs. Graham highlighted MBA webinar events that are on the horizon that Clear Admit is hosting. The first webinar looks at the enduring value of the MBA, scheduled for January 28th. The second series of events is for deferred admissions candidates who are currently completing their first degrees. Signups for all Clear Admit events are here: https://www.clearadmit.com/events We then discussed a recently published in-depth article on the value of the MBA, in these extraordinary times. Graham also noted three MBA admissions tips. The first focuses on MBA admissions interviews by invitation vs. open interviews, the second on resume vs. blind interviews, and the third admissions tip addresses letters of support (as distinguished from letters of recommendation).  Graham then noted a Real Humans piece spotlighting students from the HEC Paris MBA program in the class of 2027. For this week, for the candidate profile review portion of the show, Alex selected two ApplyWire entries and one DecisionWire entry: This week's first MBA admissions candidate is a CPA and is looking to transition from accounting to consulting. They are a first-generation candidate who transferred from community college to a university. This week's second MBA applicant has a low GPA, while appearing to have strong work experience. We discussed the importance of taking remedial action, in terms of seeking out additional coursework. This week's final MBA candidate has several offers from leading MBA programs. They want to pivot from tech to investment banking. Some of their leading options appear to be Columbia and Cornell / Johnson. This episode was recorded in Carlsbad, California and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

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The “Billion-Dollar Asset” That Still Had to Be Sold A story Bruce shares in our retirement class teaching always stops people in their tracks. A family inherited an NFL team worth just under a billion dollars. The asset was valuable. The legacy was real. But the planning wasn't there. When estate taxes came due, the heirs didn't have the liquidity to pay the bill. And because the wealth was tied up in an illiquid asset, they had to sell the team. https://www.youtube.com/live/6lCgo4y3LYs Most families will never own an NFL franchise. But plenty of families do own a business, a portfolio of real estate, land that's been in the family for generations, or investments that look substantial on paper but aren't easy to convert into cash quickly. And that's where this topic becomes personal: if you don't plan ahead, your family may be forced into decisions you never intended—simply to satisfy a tax obligation. This is why we're talking about how to avoid estate tax legally—so your wealth can serve your heirs and your purpose, not become a burden or a fire sale. The “Billion-Dollar Asset” That Still Had to Be SoldWhat You'll Learn About How to Avoid Estate Tax LegallyThe Practical Building Blocks of Estate Tax PlanningEstate Tax vs Inheritance Tax Difference: Start With the Right DefinitionsFederal Estate Tax Exemption 2026 and Why the Rules Don't Stay PutEstate Tax Exemption 2025 vs 2026: Timing MattersEstate Tax Rate 40 Percent: The “One-Time Loss” That Creates Long-Term DamageWhy Do Estate Tax Planning Strategies Matter Even If You're Under the Exemption Today?Estate Planning for Married Couples vs Surviving Spouse: The Quiet ShiftHow to Avoid Estate Tax Legally With Annual GiftingDo I Have to Report Gifts Under 19,000?When Do You Have to File Form 709 Gift Tax Return?Lifetime Gift Tax Exemption 2026: Larger Gifts and Long-Term TrackingGiving With Warm Hands: Why Legacy Planning Is Bigger Than Tax PlanningEstate Liquidity Planning: What Happens if an Estate Is Mostly Real Estate and Taxes Are Due?How Can Life Insurance Provide Liquidity for Estate Taxes?Irrevocable Trust Estate Planning StrategiesHow to Avoid Estate Tax Legally: Life Insurance for Banking vs Life Insurance for Estate Tax529 Plan Superfunding: Gifting to Reduce Estate Size (and the Control Question)The Most Important Takeaway on How to Avoid Estate Tax LegallyListen to the Full Episode on How to Avoid Estate Tax LegallyBook A Strategy CallFAQWhat is the difference between estate tax and inheritance tax?How does the estate tax exemption work?Should I do estate tax planning if I'm under the exemption today?What is the annual gift tax exclusion?Do I have to report gifts under the gift tax exclusion?When do you have to file Form 709?What happens if an estate is mostly real estate and taxes are due?How can life insurance provide liquidity for estate taxes?Which states have estate or inheritance taxes? What You'll Learn About How to Avoid Estate Tax Legally If you've ever wondered, “Will my legacy go to my family…or to the IRS?” you're asking the right question. In this blog, we're going to walk you through the core ideas from our podcast episode on estate and inheritance taxes—what they are, how exemptions work, why the rules change, and what families can do now to protect generational wealth. You'll learn: The estate tax vs inheritance tax difference (and why it matters) How the federal estate tax exemption 2026 conversation impacts planning today Why a married couple's plan can change dramatically when one spouse dies How annual gifting works (and why people confuse it) When Form 709 may come into play Why estate liquidity planning can be the difference between preserving an asset and losing it How life insurance and trusts are commonly used to create options and control Quick note: we're not attorneys. We sit in these meetings with attorneys. We collaborate with estate planning professionals constantly. Our goal is to give you a clear framework so you can make wise decisions and ask better questions with your CPA and attorney. The Practical Building Blocks of Estate Tax Planning Estate Tax vs Inheritance Tax Difference: Start With the Right Definitions One of the biggest sources of confusion we see is people using “estate tax” and “inheritance tax” like they're interchangeable. They're not. Here's the simple distinction: Estate taxes are settled by the estate. The money comes out of the estate before everything is fully distributed. Inheritance taxes are settled by the beneficiaries. The tax bill is tied to what they receive. There's also the state-level reality: not every state has inheritance tax, and state estate taxes can be entirely different from federal rules. That's why one of the first questions we encourage families to answer is: “Which taxes apply in my state, and which apply federally?” When you get the definitions right, you avoid planning in the wrong direction. Federal Estate Tax Exemption 2026 and Why the Rules Don't Stay Put When we recorded this episode, we were in December 2025, and Congress had just changed a tax bill that was expected to sunset at the start of 2026. That shift is a perfect example of why families can't build a legacy plan on the assumption that today's rules will remain tomorrow's rules. Here's what matters more than any single number: tax law can change quickly, and thresholds can move. That's why planning is less about guessing the future and more about building a structure that is resilient no matter what Congress does next. Estate Tax Exemption 2025 vs 2026: Timing Matters A detail that surprises many families is that timing can change what exemption applies. If someone passes away in one year, that year's rules apply. If they pass away the next year, the next year's exemption applies. We don't control the timing of life. But we can control the readiness of our plan. Estate Tax Rate 40 Percent: The “One-Time Loss” That Creates Long-Term Damage A federal estate tax hit can be significant. In our conversation, we referenced how quickly the dollars add up when large estates exceed the exemption threshold. But the bigger point we want you to see is this: It's not just the dollars paid in tax once. It's the generational opportunity cost of losing that capital. When your family loses money to unnecessary taxes, your family also loses what that money could have produced across decades: businesses that could have been started real estate acquisitions that could have created cash flow education and training that could have expanded a child's capacity family philanthropy that could have multiplied impact economic stability that could have protected future generations Bruce tells clients: when the money is gone, you can't make money on that money anymore. That's not just a financial statement. It's a legacy statement. Why Do Estate Tax Planning Strategies Matter Even If You're Under the Exemption Today? This is where most families get lulled to sleep. They see a high exemption and think, “We don't need to worry about estate taxes.” Two realities can make that assumption dangerous: Exemptions can change Your plan changes when one spouse dies Estate Planning for Married Couples vs Surviving Spouse: The Quiet Shift Even if you don't consider yourself “ultra-wealthy,” your planning needs to account for the fact that most couples will not pass away at the same time. A couple may look comfortably under a combined exemption threshold—then one spouse dies and the surviving spouse's position changes. Planning that felt safe becomes exposed. We see this across many areas of tax planning, not just estate taxes. The financial world often treats “married” and “single” very differently. That's why it's so important to build your plan while you still have options, flexibility, and time. How to Avoid Estate Tax Legally With Annual Gifting One of the simplest tools families can use is consistent, intentional gifting. In our episode, we talked about an annual gifting amount of $19,000 per person, per recipient, per year. The specific number can change over time, so always confirm the current annual exclusion with your CPA. But the concept is what matters. Here's why annual gifting is so powerful: It reduces the size of your estate over time It can move assets into the next generation in a planned way It can be used to build capability, not entitlement—if you pair it with purpose and guidance Do I Have to Report Gifts Under 19,000? In many situations, gifts under the annual exclusion amount don't require filing a gift tax return. That's why families like it: it's simple and consistent. Where it gets complicated is when you go above the annual threshold. When Do You Have to File Form 709 Gift Tax Return? If you exceed the annual exclusion amount, you may need to file a gift tax return (often IRS Form 709). Filing doesn't necessarily mean you owe tax immediately. It can mean the gift is tracked against lifetime gifting limits. Your CPA is the right person to guide you on the reporting mechanics for your situation. The takeaway: gifting can be one of the cleanest ways to reduce your estate—especially when you do it proactively and consistently. Lifetime Gift Tax Exemption 2026: Larger Gifts and Long-Term Tracking Beyond annual gifting, there is typically a lifetime gifting framework that tracks larger transfers. This is where families often say, “I'm confused,” and they're not alone. The important part isn't memorizing every detail—it's understanding the two-tier structure: annual gifting can be simple and repeatable larger gifts may require reporting and coordination with lifetime limits Again, this is why we encourage families to coordinate with their CPA and estate planning attorney.

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Thanks to our Partners, NAPA TRACS, Today's Class, KUKUI, and Pit Crew Loyalty Watch Full Video Episode This episode explores the critical role of specialized financial management with shop owner Liz Perkins and CPA Hunt Demarest. The discussion focuses on Perkins' move to a CPA firm dedicated solely to the automotive industry, emphasizing how general accountants often misclassify data and miss key industry nuances. Demarest explains that a strong accounting partnership should extend beyond tax filing to include ongoing tax strategy and clear insights into profitability. Perkins shares how stepping away from a DIY approach to her finances gave her clearer visibility into market performance and greater peace of mind. Together, they make the case for shop owners to prioritize financial literacy and expert partnerships to maintain healthy, sustainable, cash flow positive businesses. Stop Armchair Quarterbacking:Why real time numbers, not last month's reports, must drive in the moment business decisions.The Rule of Holes:Recognizing when you're losing money and knowing when to stop digging so you can rebuild.Drilling Down:Using market and location specific P&Ls to uncover true profitability.Beyond the Tax Return:The difference between reactive tax prep and proactive, year round tax planning.The Pain-Free Pivot:Why switching accounting firms is faster and easier than most shop owners think.Asking the Right Questions:How to evaluate a CPA beyond basic bookkeeping and tax filing.Selling Understanding:Building a relationship based financial strategy, not just reports and numbers.The Status Quo Trap:How ignoring your numbers leads to avoidable financial pain. Liz Perkins, L1 Automotive Diagnostics and Program, L1 Automotive Training, Previous episode HERE. Hunt Demarest, CPA, Paar Melis and Associates, Business by the Numbers Podcast Thanks to our Partner, NAPA TRACS NAPA TRACS will move your shop into the SMS fast lane with onsite training and six days a week of support and local representation. Find NAPA TRACS on the Web at http://napatracs.com/ Thanks to our Partner, Today's Class Optimize training with Today's Class: In just 5 minutes daily, boost knowledge retention and improve team performance. Find Today's Class on the web at

In this episode of the Dental Boardroom Podcast, host Wes Read, CPA and financial advisor at Practice CFO continues his series on common financial mistakes dentists make, this time focusing on tax planning gaps. Wes explains why many dental practice owners unknowingly overpay taxes and how poor tax planning often results from weak cash flow management, rather than bad intentions.This episode breaks down complex tax concepts into practical insights, helping dentists understand how smarter planning throughout the year, not just at tax time, can lead to tens of thousands of dollars in savings annually and faster financial independence.Key Notes:1. Tax Planning Is Not a Once-a-Year ActivityMany dentists believe tax planning is handled solely by their CPA at year-end.Real tax planning happens throughout the year, tied directly to business decisions.Waiting until December often means it's already too late to reduce taxes effectively.2. Tax Planning Is a Subset of Cash Flow PlanningTaxes cannot be optimized in isolation.Every dollar flowing through the practice revenue, expenses, payroll, debt, and savings affects tax outcomes.Smart tax strategies must consider current and future cash flow, not just immediate deductions.3. Common Tax Planning Gaps Dentists MakeMissing legitimate deductions (leaving money on the table).Buying equipment just for a tax write-off without considering long-term loan payments.Poor timing of depreciation and capital purchases.Not coordinating payroll, distributions, and retirement planning.4. Understanding S Corporations vs. Sole ProprietorshipsBeing an S Corp does not automatically mean you're saving taxes.S Corps come with higher administrative costs, so the tax benefits must outweigh them.In general:Under ~$150k income → Sole proprietor may make more sense.$180k–$200k+ profit → S Corp usually becomes beneficial.5. Reasonable Compensation: The Biggest Tax LeverAs an S Corp owner, you pay yourself in two ways:W-2 wages (subject to payroll/FICA taxes)Distributions (not subject to FICA)Paying too little W-2 can trigger IRS penalties.Paying too much W-2 can unnecessarily increase payroll taxes.Finding the right balance is critical to staying compliant and...

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Industrial Talk is talking to Jason Kruger, Partner at Citrin Cooperman about "Capital access starts with a trusted advisor focused on your success". Scott Mackenzie hosts the Industrial Talk podcast, featuring industry professionals like Jason Kruger from Citrin Cooperman. The conversation covers the importance of podcasting for business, emphasizing its role in building authority, trust, and engagement. Jason discusses his firm's services, focusing on outsourced accounting and CFO advisory, and their unique approach to client support. He highlights the impact of tariffs on manufacturing profitability and the necessity of accurate financial reporting for accessing capital. Jason also touches on the role of AI in enhancing efficiency and decision-making in financial processes. The discussion underscores the value of human connection and strategic financial planning in business success. Action Items [ ] Publish the guest's contact information on the Industrial Talk website and episode page so listeners can reach the guest[ ] Provide placement of a guest's podcast on the Industrial Talk platform upon the guest's request (listener must ask to proceed) Outline Introduction and Purpose of the Podcast Scott welcomes listeners and highlights the importance of celebrating innovators and problem solvers in the industry.The podcast aims to tell the stories of industry professionals and discuss topics like access to capital and financial strategies.Scott shares his passion for finance and the importance of financial conversations in every organization. The Value of Podcasting Scott expresses frustration with companies that do not see the value in podcasting.He shares his personal journey into podcasting, inspired by the widespread popularity of podcasts.Podcasting is presented as a way to create human connections, build authority, and improve engagement.Speaker 2 emphasizes the tangible financial rewards and SEO benefits of podcasting. Challenges and Opportunities in Podcasting Scott discusses common objections to starting a podcast, such as lack of personnel or time.He encourages companies to prioritize creating content and human connections through podcasting.The podcasting process is described as relatively inexpensive and straightforward.Scott offers to help companies distribute their podcasts on the Industrial Talk platform for greater exposure. Introduction of Jason Kruger Scott introduces Jason Kruger, a partner at Citrin Cooperman, and sets the stage for a discussion on financial topics.Jason Kruger joins the conversation, mentioning his location in San Diego, California.Scott and Jason share personal anecdotes about San Diego and their experiences there.Jason provides a brief overview of his background and his current role at Citrin Cooperman. Citrin Cooperman's Services and Approach Jason explains that Citrin Cooperman is a top 15 national CPA firm, specializing in tax, financial statement audits, and advisory services.He highlights his focus on outsourced accounting and CFO advisory services, as well as valuation work and mergers and acquisitions.Jason shares his experience at Deloitte and the inspiration behind starting Signature Analytics in 2008.The company was acquired by Citrin Cooperman a year ago, and Jason continues to support clients in a partner role. Differentiating Citrin Cooperman Jason discusses how Citrin Cooperman differentiates itself from other CPA firms by focusing on the client's specific needs and pain points.The firm does not just provide bodies but offers a...

Welcome to another actionable episode of the Building Your Money Machine Show! Today, I'm pulling back the curtain on a topic that quietly separates the wealthy from everyone else: the assets you choose not to buy. We've all been taught that wealth is about earning more and investing harder, but after three decades as a CPA and money mentor—and having walked this road personally—I can tell you, true wealth has just as much to do with avoiding costly mistakes as it does with seizing the right opportunities.In this episode, I break down seven assets that the rich almost never touch—but unfortunately, the poor and middle class often do. You'll hear why these things look so attractive, how they're cleverly marketed, and why saying “no” to these sneaky traps can be the difference between financial struggle and financial freedom. I'll show you how every asset you buy either gives you more options or quietly takes them away—and how you can avoid self-inflicted money wounds that sabotage your future.I'll introduce you to my Lifestyle Cost Calculator so you can truly master your lifestyle expenses.IN TODAY'S EPISODE, I DISCUSS:The 7 assets wealthy people almost never buyWhy buying luxuries with debt is simply borrowing from your futureThe truth about timeshares, high-fee annuitiesWhen to buy rental property so you can survive the bumps that others don't see comingThe dangers of starting ego businesses with money you can't afford to loseHow illiquid investments destroy your ability to pivot when life happensRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/How Much Money Do You Actually Need to Be Rich in 2026Psychology of People Who Act Poor When They're RichI Met 400+ Millionaires - This is what I LEARNEDOnce You Get Rich, Change These 6 Things Immediately12 Unsexy Habits That Made Me Serious MoneyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:How Much Money Do You Actually Need to Be Rich in 2026: https://youtu.be/85I0KQmX9PMPsychology of People Who Act Poor When They're Rich: https://youtu.be/KpZEuniVbwkI Met 400+ Millionaires - This is what I LEARNED: https://youtu.be/EwQtlsle45YOnce You Get Rich, Change These 6 Things Immediately: https://youtu.be/exgaT-fho5MORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

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“Keep walking toward your goals” on the Daily Grind ☕️, your weekly goal-driven podcast. This episode features Kelly Johnson @kellyfastruns and special guest Nancy Benet @success.your.way, who is a licensed CPA, entrepreneur, and CEO of both Fix-It Accounting and Success Your Way, an online education platform empowering women to start and grow businesses aligned with their deepest desires.S8 Episode 34: 1/15/2025Featuring Kelly Johnson with Special Guest Nancy BenetFollow Our Podcast:Instagram: @dailygrindpod https://www.instagram.com/dailygrindpod/  X: @dailygrindpod https://x.com/dailygrindpod Facebook: https://www.facebook.com/dailygrindpodTikTok: https://www.tiktok.com/@dailygrindpodPodcast Website: https://direct.me/dailygrindpod   Follow Our Special Guest:Website: https://www.successyourway.com/master-your-business-mindset Instagram:  @success.your.way

Alicia breaks down everything accounting professionals need to know about filing 1099-NEC and 1099-MISC forms in QuickBooks Online for 2026. She covers who qualifies for a 1099, which payment methods require filing, how to use QBO's Contractor Center and automated filing tools, and why the $600 threshold is finally changing to $2,000 in 2027. Alicia also shares practical workarounds for common issues like material reimbursements, state filing requirements, and what to do when contractors don't return their W-9 forms.SponsorsUNC - https://uqb.promo/unc(00:00) - Welcome to The Unofficial QuickBooks Accountants Podcast (00:19) - Diving into 1099 Forms (01:53) - Understanding 1099 Compliance (04:43) - Different Types of 1099 Forms (06:46) - QuickBooks and 1099 Management (07:25) - W-9 Forms and Common Mistakes (09:54) - Independent Contractors vs. Employees (13:34) - Who Needs a 1099? (17:56) - Payment Methods and 1099 Exemptions (22:59) - Using QuickBooks for 1099 Filing (29:24) - Filing and Correcting 1099s (41:33) - Conclusion and Additional Resources Alicia's Current Classes1099s in QBO: http://royl.ws/QBO1099?affiliate=5393907, recording with CPEQBO Year-end Cleanup for Taxes: http://royl.ws/yearend?affiliate=5393907, recording with CPEProjects & Job Costing in QBO, Jan 20: http://royl.ws/ProjectCenter?affiliate=5393907Sales Tax in QBO, Jan 27: http://royl.ws/SalesTax?affiliate=5393907Payroll Perfection Bundles (4 QBO Payroll classes - 1099s, Running Payroll, Compliance, and QB Time), Live Feb 3-10: http://royl.ws/payroll-perfection?affiliate=5393907  We want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQuickBooksPodcast?sub_confirmation=1 Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

With Jason Ozur, Founding Partner, Chief Executive Officer, Lido Advisors Overview As firms pursue scale, advisors face a critical question: how do you grow without compromising the client experience? Jason Ozur joins the show to explore what intentional growth really looks like and what scale can enable when culture and clarity come first. Watch… Listen in… > Download a transcript of this episode… NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. About this episode… Over the last decade, scale has become one of the defining themes in wealth management. Larger firms promise broader resources, deeper infrastructure, and expanded opportunity. But they also raise a fair question: at what point does growth begin to work against the client experience it's meant to enhance? That's the center of today's conversation. Jason Ozur and his partners at Lido Advisors have built one of the largest RIAs in the country, managing more than $40B in assets, while maintaining a family-office mindset and a distinctly client-first culture. What's notable is not just the firm's growth, but how intentionally it has been pursued. Jason talks about Lido's growth story and more with Jason Diamond, including: The real constraints on growth—and the roles of culture, capital, and clients. The role of the wirehouses in the modern landscape and how the RIA model differs. The realities of scale—and what it enables when done thoughtfully. The concept of “bigger is better”—and why Jason sees that as an oversimplification. Integration versus aggregation—and how Lido evaluates acquisitions. The evolving role of private equity in the RIA space—and why access to capital doesn't have to come at the expense of independence or client outcomes. It's a candid look at what sustainable growth actually means—and what advisors and owners should consider as firms across the industry continue to grow. Want to learn more about where, why, and how advisors like you are moving? Click to contact us or call 908-879-1002. Related Resources Is Scale a Necessary Evil in Wealth Management? Scale can provide a competitive advantage. Yet there might be scenarios in which bigger isn't always better. How to Set Up Your Business to Maximize Enterprise Value Jason and Louis Diamond explore strategies for maximizing enterprise value, whether or not an advisor plans to move. Learn actionable insights, key business practices, short-term vs. long-term tactics, and real-world examples. IBD vs. RIA – Which Model Fits Your Future This guide offers a clear, side-by-side view of the two models—including distinctions between the DIY route of building an RIA from scratch and opting for a supportive independence platform to help align your business goals with greater options and opportunities. Jason Ozur Chief Executive Officer Jason Ozur is the Chief Executive Officer of Lido Advisors, where he considers client focus central to his leadership and devotes significant time and attention to the individuals and families he serves. Based in Los Angeles, he also serves as Co-Chair of the investment committee, overseeing Lido's alternative investment platform and leading due diligence on real estate oriented strategies. A Certified Public Accountant, Jason earned his B.S. from California State University at Northridge before beginning his career in public accounting. He worked as a CPA performing audits, preparing tax returns, and providing back-office services for numerous hedge funds. In 1999, he joined a large family investment office, becoming part of the team that managed the family's substantial investments. During this time, he also served as CFO of the family's worldwide water conservation company, which operated in more than 22 countries, and later provided financial oversight as controller for a multi-billion-dollar Los Angeles–based hedge fund. In addition to his executive and investment responsibilities, Jason is deeply committed to shaping Lido's culture. He takes an active mentorship role within the firm, fostering an environment rooted in progression, excellence, and integrity. Also available on your favorite podcast app and other media sites

Discover the 5 major tax changes hitting in 2025/2026—and what they could mean for your money. Todd Laytham, CPA joins us to break down new deductions, side‑hustle rules, retirement updates, and important IRS changes. --------------- Complimentary 'Retiring Right' ebook: https://falconwealthadvisors.com/jake-falcon-book-signup.html?utm_source=podcast&utm_medium=content&utm_campaign=rr_ebook  --------------- Upticks is your podcast for financial planning insights. Hosted by Jake Falcon, CRPC™ and Cory Bittner, CRPC™, who discuss the philosophy of wealth management, exploring tailored retirement plans, tax planning, and timely industry topics. Join us for concise, understandable discussions that help empower your financial literacy. --------------- Connect with Jake Falcon, CRPC™ https://www.facebook.com/jake.falcon.524         https://www.instagram.com/jake_falcon_crpc/?hl=en         https://twitter.com/jakefalconcrpc         https://www.linkedin.com/in/jakefalconfalconwealthadvisors     Hightower Advisors, LLC is an SEC registered investment adviser. Registration as an investment advisor does not imply a certain level of skill or training. Securities are offered through Hightower Securities, LLC member FINRA and SIPC. Hightower Advisors, LLC or any of its affiliates do not provide tax or legal advice. This material is not intended or written to provide and should not be relied upon or used as a substitute for tax or legal advice. Information contained herein does not consider an individual's or entity's specific circumstances or applicable governing law, which may vary from jurisdiction to jurisdiction and be subject to change. Clients are urged to consult their tax or legal advisor for related questions.

In this episode of the Know Your Numbers REI podcast, hosted by Chris McCormack, CPA, explores powerful strategies to reduce tax burdens for high-income earners. Chris discusses a real-life example of a doctor who saved $150,000 in taxes through depreciation, cost segregation, and the innovative use of leveraged charitable gifts.Learn how strategic tax planning can result in meaningful economic impacts while aligning with your personal and financial goals.Don't miss tips on charitable giving, leveraging life insurance policies, and ensuring compliance with tax regulations.••••••••••••••••••••••••••••••••••••••••••••➤➤➤ To become a client, schedule a call with our team➤➤ https://www.betterbooksaccounting.co/contact••••••••••••••••••••••••••••••••••••••••••••Connect with Chris McCormack on Social MediaFacebook: https://www.facebook.com/chrismccormackcpaLinkedIn: https://www.linkedin.com/in/chrismccormackcpaInstagram: https://www.instagram.com/chrismccormackcpaJoin our Facebook Group: https://www.facebook.com/groups/6384369318328034→ → → SUBSCRIBE TO BETTER BOOKS' YOUTUBE CHANNEL NOW ← ← ← https://www.youtube.com/@chrismccormackcpaThe Know Your Numbers REI podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests.

Send us a textSchedule an Rx AssessmentLevi is hiring! Interested in working for a pharmacy that runs on structure, relationships, and a high-performance Med Sync model (not “rat race” retail)? Click hereIf you really want to maximize your Med Sync program, you need to shift your mindset from "Med Sync is a “program” to "Med Sync is our culture and a competitive advantage."In this episode of the Bottom Line Pharmacy Podcast, Scotty Sykes, CPA, CFP®, Bonnie Bond, CPA, MBA, and Austin Murray sit down with Dr. Levi Ellison, PharmD, Owner of Ellison Family Pharmacy to discuss his Med Sync operation, how it's driving 42 inventory turns and creating a smoother, calmer experience for patients and staff.We break down:Med Sync as opt-out, not opt-inHow Med Sync creates financial leverageWhy Levi believes Med Sync benefits everyoneThe Med Sync workflow driving above average inventory turnsAnd more!More About Our Guest:Dr. Levi Ellison, PharmD is the owner of Ellison Family Pharmacy. An independent pharmacy located in Mena Arkansas.Levi's roots run deep in Polk County with his family going back six or more generations on both sides. Both Levi graduated with a Doctor of Pharmacy degree in 2018 from UAMS College of Pharmacy in Little Rock, AR. Levi serves as the pharmacist in charge of Ellison Family Pharmacy and Jessica works part time as a pharmacist.Levi is a very active member of Salem Baptist Church located in the community of Nunley just outside Mena. He is also a member of the Arkansas Pharmacists Association and the National Community Pharmacists Association. In his limited free time he enjoys spending time with wife Jessica hiking and with their children.Stay connected with Levi and Ellison Family Pharmacy: Levi's LinkedInEllison Rx WebsiteEllison Rx Facebook Stay connected with us: FacebookYouTube LinkedInInstagramMore resources on this topic: Podcast - Driving Independent Pharmacy Profitability in 2026Podcast – The Startup Compounding Pharmacy PlaybookPodcast – Inside the Fight for Compounding: Advocacy, Growth, and Regulation

Kiera joins Jill Simonds, founder of Savvy Strategic Partners, to talk about all things leadership mindset, including what to do when you feel trapped by your business (Kiera gets personal on this one!), the ebb and flow of motivation, psychology of ownership, and a ton, ton more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript:   The Dental A Team (00:01) Hello, Dental A Team listeners, this is Kiera And today it's a special podcast. I was so lucky to be featured on a podcast with Savvy. They are actually a fractional company and we have hired them to get different team members on our team and their founder, Jill Simonds and I got on the podcast and talked about all things from founder mindset to guilt of being an owner to how we stay trapped in businesses. And I just felt that this is such a   poignant and pertinent podcast for all of you. So I hope you all enjoy this episode. I hope you learn a lot. And as always, thanks for listening and I'll catch you next time on the Dental A Team Podcast.   The Dental A Team (00:37) Welcome everyone to vision untethered conversations with inspirational leaders. My name is Jill Simonds, founder of Savvy Strategic Partners. We are a dedicated leadership team of fractional executives. I am so thrilled to introduce my special guest today, Kiera Dent, the dynamic founder of the Dental A Team, a consulting firm dedicated to helping dental practices simplify operations, strengthen leadership and elevate patient care.   With her unique background as both a dental clinician and business owner, brings a powerful blend of insight and business strategy to every practice she partners with. Her and her team have worked with hundreds of practices nationwide to build systems that reduce stress, increase efficiency, and foster long-term success. Kiera, I'm so excited to have you here. Thank you, Jill. Thank you. I'm so excited and honored to be here.   It's fun. love what you're doing out there. I love these kinds of conversations and wow, it's always fun to sit back and hear your own bio. So thanks. It feels, feels a good way to kick off the podcast. Let's hope I deliver up to that, but truly just honored to be here. Super excited and just love what you're doing for all the founders out there like myself. Just helping us get to that executive level that we need when we maybe aren't quite large enough to bring on all these amazing players full time into our company. So just super jazz and excited to be here with you today.   Yeah, me too. I'm excited to get into it. I don't actually think I know your full story and inspiration behind Dental A Team and your purpose and passion. So let's start there. What inspired your journey and how does your purpose align with the unique challenges that you face in scaling a business today? Yeah, well,   Dentistry was never meant to be in my blood. I just happened to be in high school and saw a really fast path to wearing scrubs. thought I can be a dental assistant or I can be a nurse. I don't want to learn the whole body. That's disgusting. Mouth, I could probably handle. So that's honestly what kicked this off. So was in high school. It was a random career. And then everybody kind of teases me because my last name is Dent. It's not a stage name. And I make the joke that's real life. I just had to get three fiancees to get that last name.   That was really what got me into it. I love dentistry. It turned out to be a perfect career for me. And so I did it in high school and then I went to college and college. I actually did an undergrad in marriage and family therapy. I was planning to be a therapist and I remember being, I was interviewing in Oklahoma for grad school and I remember sitting in the interview and I was thinking like, I wonder how that like filling's going. I wonder how that crown prep's going.   And I thought, gosh, this is going to be such a weird world. Like I am trying to like pitch myself to this future college. but I'm thinking about how much fun I had back in the office and how my patients were doing. And so I got a full ride scholarship and I decided to put it on pause. went to, pharmacy school with my husband. and we went out there and we decided we'll put this on pause. We'll see if we can both get into the same school.   But I just realized my heart, my soul, my passion is in dentistry. I'd been a dental assistant, a treatment coordinator, a scheduler, a biller, an office manager, all the pieces. And so when we went to pharmacy school, decided, you know what, I'm going to call around to all of his schools and I'm going to see if we can get a spouse discount if I work at the college. Because some schools, and man, pharmacy school was not for the faint of heart. So I called around and luckily Arizona, they did and Jason got accepted to it. So I was like, all right, sights are on.   I've always been a little hustler. I'm like, sites are on, I'm to get a job at this college. And I just felt truly, truly blessed. So many people tried to get jobs there. All my friends were trying to get jobs there. And I randomly was talking to this lady in the pool at our complex and she says she has nothing to do with me getting the job there. But I fully believe that Laura had a lot of, a lot of strings behind the scenes to get me the job at Midwestern in Arizona. So I a discount on the tuition, which was great.   Um, but I was able to then work at the dental college and that truly is what kicked off this Dental A Team consulting company because I worked at the college for three years, got the, got the discount. And then while my husband was doing his residency, one of the students actually asked me to come and start a practice with her in Colorado. And I thought, Oh my gosh, like good thing I said no to the marriage and family therapy. Like let's go from dental assistant to practice owner three years. Like, let's do this. So   actually helped start a practice in Colorado. ⁓ took our first office from 500,000 to 2.4 million in nine months, opened a second location and I was like hooked on this adrenaline junkie of business ownership. But at the same time, just like we were drinking from a fire hose. My marriage was almost in shambles. I was in shambles. Like I'm 5'8". I was 98 pounds. I was not sleeping. I was up at 2 a.m. staying like up till 10 p.m. Like just it was an exhausting road.   drain, everything was falling apart. And so when I split from that partnership, ⁓ I sat there and I remember just sitting, I didn't know what to do. Like I'd lost my marriage practically. I'd lost my identity. I was like on death row in lots of different facets. And I remember just thinking like, I don't even know who Kiera Dent is anymore. And so I sat there and I was like, well,   I'm going to start a consulting company. Like I love dentistry. If I could help her, I could probably help more people. And I think that this is the fuel of founders where when we're at rock bottom, we've got to have something that builds us into our next version. And that's what Dental A Team was for me. So Dental A Team, say, was built from like the ashes of my life. Like it feels like the Phoenix rising for me. And so I started a company. Like I just, I didn't even know what I was doing. Had no background in it.   And I went and consulted my friend and I was like, I just need to practice on you. I don't even know what I'm doing. And we took his practice and we grew it tremendously. He then introduced me to a consultant overnight. had 50 clients. I started like just making things up as I went. And it was really like an overnight success, but I went from like rookie don't know what I'm doing to this. I know that I can help practices and I want to serve. And I've got all these dentists that are just like these little babies that are going to get.   ripped apart in the industry, there's gotta be a way. And so it's always said, like I always said, I wanted to positively impact the wealth of dentistry in the greatest way possible. And that's what I've said since day one, that's how it is. And now I realize that life is my passion, dentistry is my platform, but changing people's lives, helping them live their best lives. And it's wild that we're even talking Jill, because what you do for me and my business is what I do for dentists. And so it's this weird annoyance to me that I'm like, I can be a miracle grow.   and I can grow dental practices and it can be so fun. But yeah, I have no idea how to do that in a corporate world. And so learning it and evolving, and that's actually how you and I even got together was I needed someone but not a consultant. I was like, listen, I know what consultants do. I am a consultant. Like I need, I need someone with me. So that's how we got here and that's how my passion's been. I don't get to wear scrubs. That's the only bummer. Like the whole story started with scrubs and now you like wear clothes.   ⁓ You can make some really stylish scrubs as part of the entire. I would love to, but I do joke. like, took my marriage and found my therapy background, tethered it with my passion of dentistry and created a company from like just true passion and love. man, it's just been a, I think it's good. We don't know the end from the beginning. So many people want to know that. I don't think knowing what I know now I would have ever started, but I think I needed that as a person.   to build, execute. And I think that that's how founders are. We're just meant to build, we're meant to create, we're to be these creators. And so to build something that's just been magical and changed so many lives, like, gosh, the joy it's brought me has been like a hundredfold beyond anything I could have imagined. ⁓ beautiful story. And yeah, quite funny too, the path ⁓ and steps that you took to get here, but wait a listen. mean, just listen to your intuition.   And it sounds like you have some of those key core memories along the way of like your thought process sitting in scenarios where you're like, wait, is this me? Is this even what I want? And acting on it and taking that initiative and to where it's got you. That's a beautiful story. Thank you. Yeah. Can you share a specific experience from this where you have felt trapped by your business? Every day,   What strategies have you implemented or are you to create space for true growth and scalability? Yes. This is such a good and I hope like listeners, they're probably like, I don't know. I just hope that what I share is making you not feel alone. I think is probably the biggest piece because I hear this from dentists. I'm like, I know I'm not alone and I joined a bunch of groups for it. But ⁓ I say that Dental A Team is a dragon that never sleeps. Like this thing just is a crying baby of   breathing dragon that just never ever stops. And I think that there have been times, so especially last year, last year was like my rock bottom. So technically we're eight years into the company, but like I was partnered with that other guy for five, for four years. So I feel like I'm like five years in on my own trying to do this, even though I know it's like just had a funny path. But last year I hit rock bottom.   Like I went cold turkey. I checked out of work. I remember just being like, I am sick. Like not physically sick, but mentally, emotionally, spiritually, like I'm apathetic to life. Like things just need to shut down. and I'm sure a lot of founders get to this level where you just, you're doing everything. Like the whole company is riding on you and you are so rad that you built this company, but it's outgrown you and you don't know how to shed that and to build and to create and to evolve. And so my, ⁓   And I think it was, I feel like I tell myself lies all the times, which I'm sure most people can relate to of, okay, care, just push through like three more months and we're going to be better. Like three more months, we got to hire three. So you're always in this like, okay, it's going to get better at three months. And then you're like, well, shoot, like this person didn't work out. So I got to keep doing sales or, this didn't work out. So I've got to keep doing this aspect of the business. that could be a me that could be not me, but last year my strategy was like completely checked out of life. I,   came back from a conference, I was so exhausted, so burnout that I just called my executive team and said, all right, you guys have it. Like, I don't want to hear from anybody. Like I put all the things like, here's a lawyer, here's the CPA here. Of course, I'm not just going to let this thing fail, but I needed a complete shut off reset and I slept for 17 hours a day for an entire month. Like it was every day just exhausted. felt numb. felt like I lost like,   The way to best describe it is I felt like I was watching a movie in color that went black and white and that was my life. Like there was no color, there was no emotion. There was no, I feel like I lost feeling to life. And I think that was just coping mechanism to get through. We did a lot of therapy, like lots of different pieces. And I realized like, okay, we got to take care of Kiera first and then we have to get to these spaces. So when you say like, do you ever feel trapped by your business? Yes. Cause it's like, what do you do?   This is a company that's a consulting company built on Kiera. That's Kiera Dent. That's her face. Like, how do you even sell this type of a B2B business to somebody? So I did meet with people. did find two potential buyers. I was like, I need a way out. I need to figure out how do I get rid of this crying baby? Like it's got to just stop, like make the crying stop. ⁓ And then that's where we actually pulled in a traction coach. So Rick, we hired Rick. I was like,   I need someone who's outside of this company who can see it that can also be the motivating voice for my team and help them see like, Kiera can't keep carrying all this. So I will say like Rick was a huge blessing. He came from a great network of people and then the leadership team. was like, we had to have a complete reset of everything's not on Kiera's plate, but I don't think it was all leadership team. think that there's a lot of pieces of Kiera perfection that my ego.   needed to feel important and to be able to let that go. Things aren't going to be perfect, Jill. I still stress like my, I have a little bracelet on that says trust and flow. And that's this year's theme of like, here, you got to trust people and you've got to go with the flow more than trying to curate and force because that's always going to be the hardest path. So, and then we obviously hired you. We hired Jenna who's been a phenomenal fractional. we brought on a CRO.   who's helping in the sales and marketing department. But I also think that businesses when they hit a certain level, they finally have the cash to be able to hire the expertise that you need to bring on. But before that, I was so cash flow scared that I think I maybe held on to profitability too hard rather than hiring help sooner that could have probably prevented it getting that low. So now it's like mandatory, I go to the gym.   three times a week, non-negotiable. have sets time, like we shut off from work every single day at five o'clock. My husband has alarm that goes off and like, we don't talk work. We hot tub every night. Like, I don't think I realized the mental bandwidth that being a founder, operator, doer requires to recharge. And now I'm just like really pro like, no, no, no guys, I don't care what goes on. Like if these things don't happen, I'll fall apart. And that's just, I don't show up the best for anybody on the team. So.   Yes, I still feel trapped. I still wish that some days I could quit my own job. But I think the fact that you can't quit is also a really beautiful blessing because it forces innovation and creation. ⁓ So well said. the help and the support and leaning on others in your circle, finding your people who you can trust.   That's the first step for sure. You're not alone. And the second we realized that, I mean, this it's lonely. It's lonely at the top. And even with a dynamic team, nobody else wears the pressure, the weight, the risk involved like you have to, you know, but knowing that you're not alone and you have a team that you can lean on, the more you can lean into that, grow that, expand that.   It's a give and take and an ebb and flow for sure. It's not linear, but. Yeah. You made me think about my brother-in-law has a very, very, very successful high end builds these beautiful custom homes in Utah. Like one of the top builders he's been on Netflix. Like he just has this very, very incredible company. And I remember when my husband, got married where ⁓ my husband's eight years younger than him. I was like, he's always so grumpy. Like this man is so angry all the time.   And then I realized he's a business owner and he's at the spot that I'm at right now. And I'm like, I am always just like in this space of anger and frustration. And he's actually been this really randomly. He was the one I didn't like. I like, had like clashes when we first got married. I feel like I understand him on an entirely different level now. And I'm like, I get it. Like, I see, I see why you were the way you were. Like it makes so much more sense to me, but he told me, he said, Kiera, the day you become free is the day that you stopped caring so much about.   Like in the day you realize that nobody can take anything from you. Like that is such a freeing moment. So if you do get sued or if you have a teammate that like writes, like last year it was like, we got reviews galore and it's crazy. You can't take those down because if you are a CEO executive, you are no longer a human and that doesn't matter. And I think just like the bullets, we had like a pending lawsuit. We had people writing awful things about me. Like it just felt like it was just this tumultuous tumbleweed.   But I think you go through that and you do build that. I don't want to say it's a calloused soul because for me, feel like becoming angry or bitter is never going to serve. think it's an internal knowing that you have the confidence and the certainty in yourself that no matter what bullets come your way, you are capable of solving anything and everything that comes. I think when you can... Yeah.   navigate enough storms to have that confidence. I think there is so much more freedom in there. And I just think about him, he's so much happier, but he's like, I'm not reliant on anybody for my happiness. No one can take anything away from me. And I'm not dependent on anybody for like this success. And I think that's a, it's a certainty. It's not an air of ego. And I think it could be possibly taken that way. It's an air of confidence and certainty within you that I think then the highs and lows are not as turbulent. And I think that that was   similar to what we were saying, it just becomes a, I think, an evolution of you as a person. And I think that that's ultimately why we all become business owners is for that evolution of soul that we are seeking, that maybe we don't want to go through the process to get there. But on the other side, it's a beautiful version of yourself that's far grander, far more beautiful, far stronger, far more confident than you ever could have imagined yourself being. Yeah. Well said.   That freedom point too is it's almost like a stance of serenity too, because, and if you know, you know, the serenity prayer, it's, is the, the acknowledgement of what we can or cannot control what is outside of us. And when we finally let go of people's perception, what they're going to, what they even think, right? We cannot.   even control as good as of work as we can put forward and as best as we can show up. We can't control others perceptions of us, what they're going to say, what they're going to do with that. And so that level of understanding and acceptance and wisdom to know this is mine, this isn't mine and let go of everything that we carry that, you know, we think we have some control over.   letting that go is ultimate freedom, I think, when we can see, be in that confidence and in a state of serenity. Yeah, the more you let go of that and just lean into what's within our realm and our controllables is the best you can do. And we show up better. Absolutely. That's the trust and flow mindset mantra for this year of   Yeah, there is no pain in change. There's pain in the like resistance to it. And so like you said, it's a surrendering. It's a surrendering of   I think just acknowledging that this is life, this is who you are, this is what you can control. And I never thought that you could really come back from being so low. But you hear it, like you see people, like you hear media talk about it. But I think business owners, someone said once, business is such a spiritual journey. And I was like, how? I don't get it, ⁓ but I do get it.   It's such a spiritual journey. It's such an evolution of soul. It's a surrendering. It's a give. It's a take. It's a beautiful blessing. It's a call. There's so much beauty in it. then I think like, turn it into a puzzle, turn it into a game, turn it into like, how can we make this into more fun? So I started just adding more fun too. was like, why do I need to always be the gladiator? Why don't we just have like a good time and like giggle about all these things?   But I think that that's truly an evolution of you as a person too. I don't think that that is not an overnight sensation. Anyone who tells you it is like, good luck. think that that is, that's a crafted, it's an evolution and it's a beautiful surrender like you said, and grace for yourself and for others. But I feel like the person you become through it is there's so much empathy, there's so much love, there's so much compassion for others that I don't think you get there any other way.   Yeah, that's so true. Having it for ourselves first is so much harder than having that for others. So the compassion and care and giving love of ourselves and acceptance, that's the only way to give it outside of ourselves. So good. What are what are some common psychological barriers either for you or that you see show up? You work with a ton of business owners in very specific industry, too. So   What are some of those barriers you see that prevent owners from stepping back and not being so tethered, you know, to their business? What contributes to that? What are some of the psychological factors, beliefs maybe that we carry that keep us stuck? Yes. And you're right. Like I've coached hundreds and thousands of offices. That's where it's so like.   so aggravating to me to be like, Jill, need help. Like I know how to do this for someone else, but I don't want to do it for my own. I think that there's beliefs of because you're a business owner, you have to know it all. I know that that's like a big one of there's humility, but at the same time you're like, well, I'm in this, I have to figure it out. I think one of my psychological ones that I know dentists have as well is in B2B when you are the service provider, it's,   It's a psychological belief of if you are the product and you step back, how does your business continue? And it's odd because as random as it is, I was able to give up consulting much faster and delegate that, which is shocking to me. think about it often, like you give that up, but you don't give up sales and marketing and reputation. Like it's fascinating to me that I'm like the biggest portion of it and like dentists, they'll hire an associate dentist. But to me, I think those are possibly easier skillsets because I   I have that skillset that I know I can look for it and I can train that and can evolve it versus like sales and marketing in different places. Like, I don't know if I'm trying to figure it out. How am I supposed to coach this up? So I think those keep us stuck. I think there's a, I think there's a, I don't know. I don't know what it is. I feel like it's societal. But I think I'm with this like asking for help or I don't know. Is this weird? Like for me,   I feel like I'm a very highly high capable human. Like we were talking the other day and it was, on client escalations, like it's either the CEO, the salesperson or the consultant, whoever knows them best. I was like, cool. I'm a trifecta. Like no wonder I'm good at this. Like I'm the CEO, I am the salesperson and I am a consultant that I think that there's sometimes this like this weird, because I'm so high functioning and so capable that I should be able to do this and I should be able to continue carrying all these pieces.   Why am I tired? Like get it together girl. And just like, keep moving on. I think that keeps you so bound in. And then truly when I even say that out loud, I'm like, it's just your ego screaming at you, wanting you to feel important. And if you step back at all, I know what I think about stepping back. A lot of my team is the same age as me too. And I sometimes feel very awkward about like, so I'm going to have a CEO lifestyle and not be eight to five with you guys because the business never stops crying.   But it's as weird. Like sometimes I also think I'm tethered and a lot of my doctors are because like same age, same demographic, same, like you feel so similar and so close that it's almost like, why are you better than them? It's so awkward. hate it. Like you can even see I'm like playing with my hair more than I should be like, that's the stress of like, I know what I need to be doing, but I feel like I need to be sitting at the table with them every day and in the trenches with them, but they're not sitting up on the, on the hill looking down the line.   but you feel like you've got to do both. it's this weird, like I said, I don't know if it's societal, I don't know if it's female, I don't know if it's ego. I think it's probably a combination of all, but those are psychological traps. And when I see it in a client, I'm like, all right, great, you need to delegate and we need to like take these things off your plate. But I think when you're a founder living through it or the business owner, I think sometimes it's very hard to even see that ego showing up around you or see where you should let go of things.   And then I think it's a lack of trust. Like I've delegated some of these things out. We've hired, like we have paid, last year was a $300,000 oops. And I hired really great people, but like it just didn't pan. So I think that there's also that like, well, how much do you want to throw at this problem to make it go away versus just continuing to carry the torch? So it's like this ball and chain you get out of it and you get back in it. It's like this weird, awkward relationship with yourself and your business that I think is slightly toxic.   but also very addicting, which is probably why it's so toxic on certain levels. So those are mine. I know that was like a very jumbled thought, but those I think are some of the psychological ones that I've seen personally and professionally that keep people very tethered. But I will say, I like boil it down, it's always ego. Always that keeps us tied in because who are we if we don't have all this busyness badge? think that that feels like a deep hollow dark hole for me anytime I think about it.   So I know that I haven't quite grown enough to see that there's a path out. But I think is also maturity and letting go of the ego. Absolutely. Well, and it's so common. It's really what would I kind of boil down oftentimes to founders guilt, owners guilt, right? You're the hero in a lot of situations or can come in and swoop in and help and   There's an identity crisis piece of it to that ego that's like, well, if I'm not doing all these, if I'm not still holding this, who am I for one? And maybe, maybe internally we have this perception of, and you know, we've, we've grown or we've healed in ways that we know, no, I like, I know I am worthy and valued and valuable outside of what I contribute here. But like, what about what everyone else thinks? Then it's this perception of.   Well, if I'm not doing all these things, what does my team think of me? And are they going to think I'm just off on an island somewhere slacking off when I don't deserve that? Or right, like all these, these guilt trips that founders often carry because we can do all these things. So there's, there's no excuse why we shouldn't or couldn't if we can, therefore we should do them. Right. So we just continue to hold and carry that.   but yeah, guilt, ego, those are definitely some, some key pointers that we see a lot. So, as you said, Jill, it just made me think about like, but why, like, where does this stem from? Because we all feel it like I do. And then I'm like, what, does it matter? So then you justify and you rationalize and you hang out in this other Island. And then it's like, I'm going on vacation because I worked like 50,000 hours. And it's like, there comes a line where I think that that   that serenity, that like, I remember there was a day I had to Google, what does a CEO do? Like, I didn't even know. I was like, what do you, like, what do you, if I'm not doing all the things, like, what am I even supposed to do? But I think when you can, when you realize that your company needs a captain, the company needs somebody looking down the line, you start to shift and change and realize that you've got to start shedding off a lot of these things.   and I think you, you feel the guilt and do it anyway, I think has been my mantra to, don't think it will ever be easy. I think you feel the guilt and do it anyway. For sure. Because that guilt is typically self-inflicted for the most part. If you have the right team around you and in the business that care about and are aligned with the division that you've crafted, that you've put forth, they need that from you.   just as much, right? You stepping away, you coming and showing up refreshed, aware, whole, right? Those fragmented pieces of us when we're scrambling to try to just uphold and keep all the plates up in the air is not the best version of ourselves. And so when we realize that too, and the more the team can even vocalize like, yes, like we need this of you and look at   look at all the places that a visionary needs to show up looking down the line, what's ahead, looking outward and not down and in is that pulls the rest of the energy and the rest of that, you know, that perspective for the rest of the team to see that more and more clearly if that's where your focus is. So you're doing them a favor, you're doing a service. ⁓   Cause every, yeah, every successful business needs someone charting that vision. And that is where your eyes are focused. That is where your pull is going toward that. That is what grows the I think that because it feels like it's just this like vision that's not tangible, I think for me at least, and for other people that often can keep us tethered into the company because it doesn't, there's no way to put on a KPI scorecard that I did my visioning.   for the day. It's like, do I even know that I'm showing up and having that as a checklist? But I think when you really are solid in it and you watch a team who has a vision versus a team who doesn't have a vision, you see the intangible, like it's a subconscious push. It's the wind behind the sails. You can see a sail, can't see the wind, but the wind is ultimately what makes it go. And I think when visionaries realize that you are an invisible, very tangible, intangible part,   I think it becomes much more clear of like, no, I need the white noise space. Like I need these things because ultimately it's my job. And I've got to be able to show up as that wind to push this boat in the direction it needs to truly go. I love that. I'm going to use that analogy. That's so well put. That's a good one. Well, to finalize the conversation today, what steps would you suggest to founders struggling to   let go, delegate, while also maintaining alignment with their vision.   That's a great question, Jill. I feel like such an Oreo. I've got a white side of me and it's a black and white in me. Because I'm like, what would I tell my clients? I would tell clients, the way you are able to step back is we set these pieces and we do all this. And then I'm like, well, let's speak from Kiera's perspective of, I've done this. This is where I'm at.   to step back and what I also watched. So I think they do actually go like, I'm like, okay, I'm not an Oreo. Like I've got both parts of the cookie on. Like I brought it together for everybody here. I think both sides, my side and client side would be, I think having a vision for yourself. When I got crystal clear of where I really wanted to go personally and professionally in the next one, three, 10 years, like I grabbed a big sticky pad. It was written out and I stick it in front of me every single day. So I'm looking at that.   that became a lot more clear. My decisions became much cleaner. So I think it would even tie to the book. Like 10 X is easier than two X when you have this big audacious vision, the path becomes so much cleaner and easier than when you're trying to just do a two X move. So I would say for visionaries who feel stuck, that is ultimately where you're at. If I get your 10 X vision, where is that going? Clean up the paths and stay laser focused on that. And then get your team rally behind it.   They get excited. They get the joy behind it. And I think like, even when I say that, I'm like, the 10X path is just so much easier. It's so much cleaner. It's so much more freeing. And then I think like, again, it's hard, but do it anyway. Right now it's a stripping down of letting go of clients for me. And I feel like such an awkward identity. I'm like, if I'm not a consultant, am I going to lose my edge? And it's like, but I'm so clear on the 10X, the 10 year vision.   that that part has to sheath off in order for me to progress and to grow. And I think when you are aligned, also be really careful not to lose that vision. I lost my leg last year. Like it was still there, but I buried it. think keeping that radiant, keeping that vibrant, keeping that like for me, it's a post-it note on the wall, like a giant one. Like this is where I'm headed. This is where the boat's going. This is where the wind needs to push me and the company. I think that that can help you stay true to you.   It can say true and it makes all the other decisions so much easier because then it's a yes or a no. And if you can get that black and white crystal clear and then truly trust and empower your team, that to me is like, I recognize it's a let go of control. It's a surrender like we discussed earlier and belief in your team that they're going to crush it. And if these aren't the right people, right seat, you're going to find them, you're going to grow, you're going to evolve. But the 10X vision is a non-negotiable.   But it's a 10X vision that makes you happy, fulfilled and not like exhausted, out at the end of the finish line. I think I used to feel it was a muscle through rather than a joyous journey. That 10X vision needs to be joyous journey. And who am I at the vibrant self at the end of it? I'm not going to muscle through anymore. I'm going to gracefully navigate. So I've got energy for me, energy for team, energy for family. because I think if we're not thriving in our businesses, we might as well just go get a job from someone else.   You don't want to have a worse job with you as the boss than you would somewhere else. So hopefully that, but I think it's just crystal clear on where you're enjoy that. ⁓ Kiera, thank you so much for your insights, your wisdom and sharing your heart. just truly and authentically it's beautiful. Thank you, Jill. Appreciate being here. Really, really appreciate what you're doing too. Well, thank you so much.   If anyone wants to learn more about you, Dental A Team and expertise of your team, where's the best place to find you and information or get connected? Yeah. We have a podcast, the Dental A Team podcast. So come on over. We'd love to have you there. Tips for teams and for owners. And then also Hello@TheDentalATeam.com or online, like social, we're on Instagram. Dental A Team would be great. But yeah, love to just share, inspire, help.   because I believe like all of us succeeding together is what this journey is about, but succeeding and being fulfilled. It's not, life should be fun. Owning a business should be fun. It does not need to be hard. So let's make it easy and fun together. ⁓ I love that. Well, thank you everyone for listening. Kiera, thank you again for being here and we'll see everyone next time.

This What's Working in Ag segment is brought to you by www.ambrook.com , we bring back Hannah Mann, CPA and ag-focused accountant, to answer the follow-up questions farmers had after our recent tax planning episode.This short, to-the-point conversation focuses on what's actually working right now for producers who want better control of their numbers heading into 2026.Hannah shares:Why most farms struggle with knowing true profitability—even when yields look goodThe difference between reactive bookkeeping and proactive financial planningWhy January is the best time to reset farm records (not December)How forward-looking cash flow projections help with banker conversations and credit renewalsWhy tracking inventory, enterprises, and allocations matters more than everHow the best operators use simple systems to buy back time and peace of mindWhy clean, real-time numbers create better decisions when margins are tightThis episode isn't about accounting theory or tax jargon. It's about giving farmers clarity, confidence, and a system that helps them make better decisions—before it's too late. Want Farm4Profit Merch? Custom order your favorite items today!https://farmfocused.com/farm-4profit/ Don't forget to like the podcast on all platforms and leave a review where ever you listen! Website: www.Farm4Profit.comShareable episode link: https://intro-to-farm4profit.simplecast.comEmail address: Farm4profitllc@gmail.comCall/Text: 515.207.9640Subscribe to YouTube: https://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTok: https://www.tiktok.com/@farm4profitllc Connect with us on Facebook: https://www.facebook.com/Farm4ProfitLLC/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Thinking about forming an LLC in 2026? In this episode, Mike breaks down how to set up an LLC step by step, what “free” really means, state filing costs, common mistakes to avoid, and why an LLC can act as an insurance policy for future S Corp tax savings. Perfect for new and growing business owners who want clarity without the confusion.If you want a clean, simple business setup that protects you now and gives you flexibility later, this episode gives you the roadmap without the legal confusion.

Ready to stop playing food detective and actually feel good, enjoying food again? If you're exhausted from cutting out every food under the sun and still dealing with food sensitivities, this episode is for you. Jenn Trepeck is joined by the Autoimmunity Nutritionist, VJ Hamilton on Salad With a Side of Fries for an honest talk about gut health, chronic fatigue, and why that endless list of food sensitivities might not be about the food at all. VJ gets personal about her own autoimmune disease journey and shares the functional medicine secrets that have helped her and her clients ditch the restrictions and heal the root cause. Together, they break down nutrient depletion, inflammation management, digestive issues, and simple daily habits that support root cause healing without making you feel like a failure every time you eat.What You Will Learn in This Episode:✅ Why nutrient depletion and digestive issues are often the real culprits behind food sensitivities—not the foods themselves—and how to address nutrient absorption at the cellular level✅ How to support your gut health through simple daily practices like stewed apples, bone broth, and vagal tone exercises that regulate your immune system support✅ The connection between stress management, shallow breathing, and chronic fatigue, plus practical ways to calm your nervous system and improve digestion✅ When to temporarily eliminate trigger foods while working on root cause healing versus living in permanent inflammation management restriction modeThe Salad With a Side of Fries podcast, hosted by Jenn Trepeck, explores real-life wellness and weight-loss topics, debunking myths, misinformation, and flawed science surrounding nutrition and the food industry. Let's dive into wellness and weight loss for real life, including drinking, eating out, and skipping the grocery store.TIMESTAMPS: 00:00 Nutrient depletion is often the real issue behind food sensitivities, not the foods themselves05:32 VJ's journey from CPA to Autoimmunity Nutritionist after multiple autoimmune disease diagnoses10:20 Why physicians focus on symptoms instead of root cause healing for inflammation management14:57 Common signs of gut health issues: brain fog, anxiety, chronic fatigue, and digestive issues17:50 Why autoimmune disease affects women more than men: hormones, stress, and X chromosomes23:14 How to heal instead of restrict: addressing gut microbiome imbalances and nutrient absorption28:20 Simple daily practices for gut health: stewed apples, bone broth, omega-3s, and polyphenols, and why movement is key to feeling well33:16 Stress management through vagal tone stimulation: deep breathing, gargling, and singing36:40 Improving nutrient absorption by eating in a rested state and chewing food properly40:01 Working on the gut so you can reintroduce foodsKEY TAKEAWAYS:

Does running your firm have to feel this uncertain to be working?Most CPAs assume uncertainty, discomfort, and the unknown are signs of risk – but they're often just signs you're doing something new.This episode breaks down six practical truths that help firm owners stop overthinking, make calmer decisions, and move faster toward “enough.” Enough money. Enough time. And real freedom.If you've been grinding, hesitating, or waiting to feel ready, this episode reframes what actually matters – and what doesn't.…Link to full shownotes: https://www.businessstrategyforcpas.com/380…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. …

What does it look like going from a massive international company to working with your husband on a family-owned business?Liz Briggson, CPA joins Fraudish to discuss her career in the fraud world as a CPA and shares a lot about the differences between working for a big org and starting your own thing. No matter which side you are on, you will learn something!Encoursa is a platform that provides insightful and engaging professional education for CPAs, accountants, and finance leaders all over the world.Connect with Liz: https://www.linkedin.com/in/lizbriggsoncpa/Check out Encoursa: https://encoursa.com/Contemporary Auditing Book: https://www.abebooks.com/Contemporary-Auditing-Knapp-Michael-C-Cengage/32308578597/bdhttps://www.cfo.com/news/doing-time/680742/Leslie Fays: https://aaronhall.com/lessons-from-leslie-fays-bankruptcy-financial-controls-adaptability-and-leadership/https://law.justia.com/cases/federal/district-courts/FSupp/918/749/1448157/All the Cool Girls Get Fired book: https://www.simonandschuster.com/books/All-the-Cool-Girls-Get-Fired/Laura-Brown/9781668067451

A real estate developer serving time for fraud gets a second chance.SponsorsRoutable - http://ohmyfraud.promo/routableUNC - http://ohmyfraud.promo/unc (00:00) - Eli Weinstein is Pardoned (01:41) - Podcast Announcements and Reviews (08:01) - Lakewood Township and Weinstein's Background (09:14) - Weinstein's Real Estate Fraud (11:09) - Legal Troubles and Indictments (16:13) - Weinstein's Sentencing and Clemency (22:34) - The Complexity of Executive Clemency (24:11) - Weinstein's New Fraud Scheme (25:32) - The Optimus Investments Scam (30:02) - Unraveling the Fraud (35:30) - The Downfall and Legal Consequences (40:39) - Reflections on Clemency and Fraud (47:09) - Final Thoughts and Credits Take our survey: https://forms.gle/mRrR7FPCZs8eWnog8Get NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CEDownload the app:Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appQuestions? Need help? Email support@earmarkcpe.com.CONNECT WITH CALEBLinkedIn: https://www.linkedin.com/in/calebnewquist/Sources:Statement from the Press Secretary Regarding Executive Grants of Clemency [WH]Lakewood Township, New Jersey [Wikipedia]Eli Weinstein's Second Chances [Bloomberg]Leader of $200 Million Real Estate Investment Scam Arrested for Fraud [FBI]Leader of $200 million real estate investment scam charged in 45-count indictment with fraud and money laundering [DOJ]US v. ELIYAHU WEINSTEIN [DOJ]Leader Of Multi-Million Dollar Real Estate Fraud Scheme Pleads Guilty To Fraud And Money Laundering [DOJ]Leader of Massive Real Estate Fraud Scheme Sentenced to 22 Years in Prison for Fraud and Money Laundering [DOJ]Convicted Ponzi Schemer Eliyahu Weinstein Arraigned on New Charges [FBI]Convicted Ponzi Schemer Eliyahu Weinstein Sentenced To Additional 24 Months In Prison On New Fraud And Money Laundering Charges [DOJ]The Road to Clemency From Trump Was Closed to Most Who Sought It [NYT]Access, Influence and Pardons: How a Set of Allies Shaped Trump's Choices [NYT]A Ponzi Schemer Freed by Trump Strikes Again [Bloomberg Originals]Convicted Ponzi Schemer and Alleged Conspirator Indicted for Multimillion-Dollar Fraud Scheme and Obstruction of Justice [DOJ]US v. ELIYAHU (“ELI”) WEINSTEIN, a/k/a “Mike Konig,” and ARYEH (“ARI”) BROMBERG [DOJ]Ponzi Schemer Who Got Trump Clemency Convicted in New Fraud Case [Bloomberg]Convicted Ponzi Schemer and Co-Conspirator Sentenced to 37 Years and 12 Years for $44 Million Fraud Scheme, Money Laundering, False Statements, and Obstruction of Justice [DOJ]A Fraudster Pardoned by Trump Gets 37 Years for Running Ponzi Scheme [NYT]About the Task Force [DOJ]FINANCIAL FRAUD ENFORCEMENT TASK FORCE ANNOUNCES REGIONAL RESULTS OF “OPERATION BROKEN TRUST” TARGETING INVESTMENT FRAUD [DOJ]Establishment of the Financial Fraud Enforcement Task Force [Executive Order 13519 / Federal Register]President Trump Issues Executive Order to Establish Task Force on Market Integrity and Consumer Fraud [Center for Financial Stability]

What actually separates dentists who struggle from those who consistently win with patients, cases, and long-term success? This episode goes beyond techniques and tools to reveal the real differences that matter.In this podcast, Dr. David Hornbrook shares decades of insight on how top-performing dentists think, communicate, and design their careers. The discussion covers why clinical skill alone isn't enough, how patient trust drives case acceptance, the role of mentorship and intentional learning, and how technology like AI is reshaping dentistry. It's a practical look at how high-level dentists create value, avoid low-impact work, and position themselves to stay relevant and profitable as the profession continues to change.Connect with DavidWebsite: https://uvdl.com/Email: Natalie@uvdl.com--------------Stop feeling overwhelmed by the numbers. ADCPA member firms specialize exclusively in serving dentists to help you achieve financial success. Gain a strategic partner who understands industry benchmarks and overhead management so you can focus on clinical excellence.Find your expert: Visit https://adcpaa.org/ to find a trusted dental CPA near you. Your numbers should work as hard as you do.--------------Looking for financial guidance from a team that truly understands dentistry? Bank of America Practice Solutions has spent over 25 years helping dentists nationwide achieve their goals with customized financing and expert support, whether you are just getting started or growing an established practice.Email dg.connect@bofa.com to connect with a specialist and get personalized financial solutions.--------------Detect what traditional diagnostics miss. Innerview uses FDA-cleared technology to measure internal tooth mobility, helping you identify cracks and loose restorations earlier before they become emergencies. The result is better treatment planning, fewer surprises, and stronger patient trust, all without disrupting your workflow.Book a demo at Innerview.ai and mention Art Wiederman to receive $250 off.

In this episode of the Level Up Claims Podcast, host Galen Hair sits down with Marie Torossian, CPA, former CFO, and founder of The Profit Lab, to discuss how business owners can scale smarter, increase valuation, and build systems that attract investors. Marie explains why true business modernization goes far beyond technology and into mindset, leadership, and financial strategy. She breaks down value-based pricing, financial projections, process documentation, and why clean financials are non-negotiable for growth, private equity interest, and long-term scalability. This conversation is packed with practical insights for firm owners and entrepreneurs who want to reduce owner dependency, create predictable growth, and build a business that can operate—and sell—without chaos. Highlights:  Marie Torossian's journey from CPA and CFO to scaling strategist Why modernization is about mindset—not just tech stacks How value-based pricing increases profitability and confidence Common financial red flags that hurt valuation Why clean books are essential before scaling The role of financial projections in strategic growth What investors look for in scalable businesses Systems and processes that reduce owner dependency Identifying chaos vs. structure inside your organization Leadership habits that drive long-term growth What it really means to "level up" as a business owner Episode Resources: ·       Connect with Marie Torossian ·       https://marietorossiancpa.com ·       Connect with Galen M. Hair ·       https://insuranceclaimhq.com ·       hair@hairshunnarah.com  ·       https://levelupclaim.com/

SummaryIn this episode of Whistle Talk, host Michael D'Ambrosio welcomes tax expert Jeff Conrad to discuss the intricacies of tax reporting for football officials. They cover topics such as income reporting, the importance of 1099 forms, allowable deductions, self-employment tax, and the significance of meticulous record-keeping. Jeff shares insights on navigating tax season, avoiding common pitfalls, and understanding the implications of hobby loss rules. The conversation emphasizes the need for officials to stay organized and informed as they prepare for the upcoming season and tax obligations.Chapters00:00 Introduction to Whistle Talk03:16 Meet Jeff Conrad: The Tax Expert04:12 Understanding Officiating Income06:48 Navigating 1099s and Tax Reporting10:40 Expenses and Deductions for Officials14:15 Self-Employment Tax and Hobby Loss Rules20:39 Record Keeping and Audit Preparedness27:28 Multiple Sports and Deductions34:54 Home Office Deductions and LLCs39:31 State vs. Federal Tax Considerations40:04 Avoiding Gray Areas in Tax Reporting44:19 Final Thoughts and RecommendationsAbout Jeff ConradProfessional:Tax Partner at FGMK, LLP Licensed attorney and CPA for 30 yearswww.fgmk.comFootball Officiating:- Licensed 38 years- 91 playoff games, including 6 state finals- IHSA Football Clinician 20 years- Illinois - 2023 NFHS Football Official of the Year - Southwest Prairie Conference Football Assigner- Athletic Officials Association - football division president & Executive Board Vice  President- Joliet Football Officials Association - Board Member- IACO Football Clinic - Past Chairman- Referee Magazine - 2 articles publishedIn addition, for the last 8 years, I have prepared video based training for all IL associations, and I have assisted Sam Knox with a training video series - Football Focus -  you can find on Youtube.  I also speak/present at 10 to 12 football clinics each year.

New year, new interest rates? It's a strong maybe. That isn't the most helpful answer, but if you are close to closing on a new house, should you wait to see if they drop or lock in now? Nate Reineke and Chelsea Jones discuss some factors to consider when deciding whether to wait or not. We also look at how a change might already be factored into the rate you're getting. We also answer your colleagues' questions. A Psychiatrist in Maine says, “My 13-year-old just received a couple hundred bucks at Christmas. He is very interested in investing that money. He doesn't have any earned income. Is it best to open a UTMA in his name, a 529, or a Roth IRA?” A Double doctor family in Hawaii asks, “My 18-year-old son just committed to a paid internship for this coming summer and will make enough money to fully fund a Roth IRA. What is the best way to set this up?” An Oncologist in Oklahoma is wondering, “I looked at our last paycheque for the year 2025. Based on my calculations, it's likely that we will not meet the safe harbor rules for 2025. I am not sure how this happened, as we are both W2 employees. I know that we will have to pay some penalties, but should I hire a CPA for taxes this year? Generally, I do the taxes myself, but I am not sure if TurboTax can run this analysis.” Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

Hana's mom is 92. Mom's husband is 74, and after years of trying to help a family member, nearly a million dollars is gone. How do they stop the bleeding before it's too late, and how much can they spend each year from what's left? That's today on Your Money, Your Wealth® podcast number 564 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, "Peter and Gwen" from Virginia have a pension, Roths, and a shrinking IRA. With the new tax law, IRMAA, and Social Security decisions all colliding, should they keep converting to Roth, and when should they actually collect Social Security? Also, does it make sense for "Mr. and Mrs. Scarecrow" to claim Social Security early and invest it? Finally, "Rosie and Astro" from Pennsylvania ask if they can retire in just three years with $1.3 million, and whether it's time to hire an advisor to help them get there. Free Financial Resources in This Episode: https://bit.ly/ymyw-564 (full show notes & episode transcript) Social Security Handbook Retirement Readiness Guide 6 Biggest Financial Pitfalls in America (Avoid These Traps!) - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 02:21 - Family Wrecking Retirement: How Much Can Benevolent Retirees Afford to Spend? (Hana) 10:30 - We Have a Pension. Should We Do Roth Conversions After the OBBBA? When to Claim Social Security? (Peter Parker & Gwen Stacy) 23:29 - Should We Claim Social Security Early and Invest It? (Mr & Mrs Scarecrow) 29:56 - We're 60 and 57 with $1.3M. Can We Retire in 3 Years? Should We Hire an Advisor? (Rosie & Astro, PA) 41:04 - Outro: Next Week on the YMYW Podcast

Tax Strategies and Planning Tips for Small Business Success as Tax Season Approaches Books4hospitality.com Solutionsbychs.com About the Guest(s): Douglas Carpenter is a seasoned financial expert with over 40 years of experience in accounting and financial consulting. He holds credentials as a Certified Public Accountant (CPA) and a Chartered Financial Analyst (CFA). Starting his career as the youngest registered stockbroker in America at age 17, Douglas has built an illustrious career across various high-level CFO and consulting positions. He currently owns and operates Comprehensive Accounting Solutions, specializing in tax-saving strategies and accounting services for small businesses, with a particular focus on the hospitality sector. Episode Summary: In this insightful episode of The Chris Voss Show, host Chris Voss welcomes Douglas Carpenter, a distinguished CPA and CFA, to discuss strategies for effective tax planning as we move into 2026. The conversation kicks off by highlighting the unique challenges of accounting in the hospitality sector and how Comprehensive Accounting Solutions provides tailored services to mitigate these complexities. Chris and Douglas dive into the importance of preparing for tax season early, discussing strategic planning that can save individuals and businesses considerable amounts in taxes. Douglas shares his extensive expertise on tax strategies, focusing on key elements like proper entity structuring and the nuances of different business setups, such as S-Corps and C-Corps. Douglas stresses the importance of regular evaluation of financial strategies and planning for cash flow and budgeting in small and medium-sized businesses. The episode offers valuable insights into how businesses can effectively manage and plan their taxes, preventing last-minute rushes and the often-fatal “head in the sand” approach to budgeting and cash management. This episode is a must-listen for business owners eager to optimize their tax planning for the upcoming year. Key Takeaways: Proper entity structuring and regular financial reevaluation are critical to maximizing tax savings. The difference between tax preparation and tax planning can greatly affect a business's financial health. Early organization and strategic planning can prevent rushed decisions and missed opportunities in tax deductions. Understanding new tax laws, such as the Secure Act, can offer additional avenues for financial optimization. Comprehensive tax solutions involve integrating tax planning with broader financial strategies for sustained success. Notable Quotes: “The important thing to remember, if you owe the tax, pay the tax, but don’t overpay the tax.” “Tax planning is very different from just getting your tax return done.” “Proper entity structure is a key area where business owners can save significantly on their taxes.” “Regularly reevaluating your financial strategy is crucial for making the most of your business’s tax situation.” “A well-prepared and organized approach to taxes is essential to avoid last-minute frustrations and missed deductions.”

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Are you paying for a high-powered CPA when your tax situation doesn't actually require one?In this episode, Tait Duryea and Ryan Gibson sit down with CPA Gary Heldt to clarify what smart tax planning really looks like for high-income pilots with relatively simple financial lives. They break down how W-2 earners can optimize taxes without complex businesses, aggressive strategies, or unnecessary fees. Gary explains how often-overlooked fundamentals like benefits planning, estimated taxes, and coordinated advice can quietly compound into meaningful long-term gains. If you want clarity, confidence, and a more intentional approach to your CPA relationship, this episode delivers.Gary Heldt is a CPA, Certified Tax Coach, and founder of Small Business Advisors. With over 25 years of experience, he helps high-income professionals make better tax decisions through a consultative, family-office-style approach that prioritizes clarity over complexity.Show notes:(0:00) Intro(0:23) Why pilots overpay for CPAs(1:25) Family-office thinking for W-2 earners(3:42) Gary's path into tax planning(8:13) Missed tax moves for W-2 professionals(11:57) What a good CPA should do(16:28) Why education beats tax prep(24:34) Bracket strategy and timing income(28:50) Estimated taxes pilots overlook(34:18) Turning tax savings into investments(43:57) OutroConnect with Gary Heldt:Sign up directly on the site. Choose personal, business, or both newsletter options: https://www.sbadvisors.cc/ Gary's Podcast: https://www.sbadvisors.cc/resources/podcasts If you're interested in participating, the latest institutional-quality self-storage portfolio is available for investment now at: https://turbinecap.investnext.com/portal/offerings/8449/houston-storage/ — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

Happiness expert Monique Rhodes explains why retirement often feels disorienting at first — and how creating a personal retirement roadmap can turn this transition into one of the most fulfilling stages of life. Retirement is often marketed as the ultimate reward. After decades of work, deadlines, and responsibility, you finally arrive at a chapter filled with freedom, rest, and happiness. But for many people, that moment doesn't feel the way they expected. In this episode of Retire Today, I sat down with Monique Rhodes, a happiness expert who works with people around the world — especially those approaching or entering retirement — to talk about why this transition can feel unsettling and how to approach it with intention. Why Retirement Can Feel So Uncomfortable For years, work provides structure, identity, and a built-in sense of purpose. Then one day, it's gone. Monique explained that retirement often removes all of that at once. “The structure, the identity, the daily sense of purpose — they all fall away at the same time,” she said. What's left can feel like freedom… or confusion. In fact, research shows that many people experience lower happiness in the first year of retirement than when they were working. Feelings of restlessness, anxiety, loneliness, and even grief are common — but rarely talked about. This doesn't mean retirement was a mistake. It means the transition requires more than financial preparation alone. Comfort vs. Happiness One of the most thought-provoking ideas Monique shared is that too much comfort can actually work against happiness. She described how modern life is designed to remove friction — from climate-controlled homes to effortless entertainment. But living without any “edge” can dull creativity, resilience, and engagement. “If we're consistently living in comfort, we lose our ability to adapt,” she explained. Happiness, she argues, comes from a balance — not too tense, not too relaxed. Monique used powerful metaphors throughout the conversation, from surfing ocean waves to tuning a guitar string. Too loose or too tight, and it doesn't work. The same is true for life in retirement. Retirement Is Not a Holiday — It's a Redesign Many people enter retirement expecting it to feel like a permanent vacation. Monique sees this expectation create unnecessary disappointment. “Retirement is sold to us as a never-ending holiday,” she said. “But when that structure disappears overnight, people are suddenly faced with the question of who they are.” This is where her Retirement Roadmap comes in — a framework designed to help people intentionally rebuild purpose, routines, relationships, and meaning. Rather than drifting through unstructured time, retirees are encouraged to create days that feel energizing and aligned with who they are now — not who their job required them to be. Rebuilding Purpose From the Inside Out One of the most powerful moments in the conversation was when Monique talked about building a new relationship with yourself. After years of serving careers, businesses, and families, many retirees struggle to answer a simple question: What do I enjoy? Monique often starts by asking clients to think back to childhood interests — art, music, movement, creativity — and explore those again without pressure. “Your purpose isn't gone,” she said. “It's just no longer handed to you by a job description.” She emphasized that this phase of life offers something rare: the freedom to choose intentionally — where you live, how you spend your time, who you invest energy in, and what brings joy. Three Questions Worth Asking Toward the end of our conversation, Monique shared three questions she believes are foundational for a fulfilling retirement: Where do I want to be that makes me happiest? What do I want to do that makes me happiest? Who do I want to be with that makes me happiest? These questions don't have one-time answers. They evolve — and that's part of the beauty of this stage of life. The Bottom Line Retirement isn't just a financial transition. It's a psychological and emotional one as well. When approached consciously, it can become one of the most liberating and meaningful chapters of life — not because everything is perfect, but because you're living with intention. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Create Your Retirement Master Plan in 5 Simple Steps Monique Rhodes website In Your Right Mind Podcast with Monique Rhodes Monique Rhodes on LinkedIn Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Welcome to another transformative episode of the Building Your Money Machine Show. In today's solo conversation, I'm challenging what it really means to be “rich” in America — and why chasing after the top 1% might not bring you the fulfillment you're hoping for. If you've ever wondered how much money you actually need to feel wealthy, safe, and free in 2026 (and beyond!), this episode is for you.After 30+ years as a CPA, entrepreneur, and money mentor — and learning plenty of my own tough lessons along the way — I've seen firsthand how chasing financial trophies doesn't pay for peace of mind. This episode is not about flexing or comparing income brackets, but about creating a money machine that funds your chosen life.I'll walk you through the real wealth tiers in America, what they require, and what it actually feels like at each level. We'll dig into the hard truths about income versus net worth, why high earnings don't guarantee wealth, and the psychology behind our money decisions.IN TODAY'S EPISODE, I DISCUSS:The difference between income, wealth, and “richness”The psychological and behavioral shifts at every wealth tier,Why income without margin, systems, or structure turns into obligation and burnout rather than freedomHow to build a peace-of-mind fundThe importance of designing your version of “rich” — and how to use tools like my free Lifestyle Cost CalculatorWhy wealth should be measured in time and freedom, not dollars or statusThe power of building a money machine that makes work optional, so you can live life by choice, not by demandRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Psychology of People Who Act Poor When They're RichI Met 400+ Millionaires - This is what I LEARNEDOnce You Get Rich, Change These 6 Things Immediately12 Unsexy Habits That Made Me Serious MoneyWhat The 1% Teach Their Kids About MoneyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Psychology of People Who Act Poor When They're Rich: https://youtu.be/KpZEuniVbwkI Met 400+ Millionaires - This is what I LEARNED: https://youtu.be/EwQtlsle45YOnce You Get Rich, Change These 6 Things Immediately: https://youtu.be/exgaT-fho5M12 Unsexy Habits That Made Me Serious Money: https://youtu.be/OjYgoVwFxWsORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Most business owners say they have goals… but what they really have is a fuzzy wish list. "I want to grow," "I want more profit," "I want more customers". However, many do not have a clear plan. And if not tied to actual business numbers, those goals go nowhere. Today, we break down how to turn big dreams into real results. You'll learn how to set at least one long-term goal, break it into monthly, weekly, and daily steps, and use your business numbers to guide your decisions. Because "just showing up" isn't a strategy. However, taking consistent, concrete action is what moves the needle and grows your profits. Let's make your goals actually happen. -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

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