Podcasts about CPA

Saying "yes" means giving up a tremendous amount of control. Today's guest, Adam Tarnow, talks about how his favorite leaders recognize that they dont control results. But will that lack of control make you throw your hands up and not even try? This episode goes into how we can let go of the things we can't control, and still lead effectively.    In this episode, you'll discover…  A key trait to win at home and at work (1:40) Giving up control (4:07) Control your controlables (9:05)  Adam's Story (16:01) The "Fog" (20:50)   Adam's Bio:  Adam Tarnow is a leadership development specialist, keynote speaker, and author of The Fog of Work. With a unique blend of humor, humility, and hard-won insight, Adam helps professionals get out of their own way, navigate complexity, and lead with confidence. A recovering CPA and former public accountant, Adam now heads up the Leadership Development Practice at PeopleWorks International, where he equips leaders to thrive in today's fast-paced, people-driven workplaces. He's spoken to audiences across industries—from manufacturing to professional services to education—and has a gift for making complex leadership ideas simple, practical, and unforgettable. He earned his accounting degree from Clemson University and holds a "Ducktorate" from Disney University (yes, it's real… no, it's not accredited). He's been married since 2003, is the proud dad of two teenage boys, and believes any day is better when it starts with coffee and a New York Times crossword puzzle. Whether he's speaking about leadership, communication, optimism, or culture, Adam's goal is always the same: cut through the noise and help good people become great leaders. Learn more about Adam and his book here.   What's Next?  NEW!! Join the new RISE community. Check out my newest book, 'Rise and Go', HERE!

Chris Pierce talks to Sean Graham as he shares his inspiring journey from CPA to real estate investor, unveiling how he uncovered the powerful tax advantages hidden in property components. You'll learn the fundamentals of depreciation: how the IRS assigns different lifespans to building elements, and how to leverage that knowledge to boost your deductions. Discover how the cost segregation engineering process breaks down your property into shorter-lived parts, creating opportunities for accelerated depreciation, sometimes recategorizing up to 30% of your basis into five and 15-year categories. Sean Graham, CPA Maven Cost Segregation Tax Advisors Based in: Detroit Metropolitan Area Where to find them: https://www.linkedin.com/in/sean-graham-cpa/ mavencostseg.com Chris Pierce Account Executive of Maven Cost Segregation Tax Advisors Based in: Salida, Colorado Where to find them: https://www.linkedin.com/in/pierce-christopher/ Book your free demo today at bill.com/bestever and get a $100 Amazon gift card. Visit https://malabarhillcapital.com/ for more info. Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Schedule a Free Financial Assessment with an experienced professional:https://purefinancial.com/lp/free-assessment/?utm_source=captivate&utm_medium=podcast&utm_campaign=free-assessment&utm_content=ymyw-pod-ep591-description-free-assessmentB and S in Maryland are in their mid-40s with $425,000 and a couple of rental properties. Can they retire early at 62? Vee in Oregon came to the US as a refugee with nothing and built a three and three-quarter million dollar portfolio from the ground up. Is his Roth conversion plan solid? And finally, Chandler and Monica in Texas are sitting on $1.4 million and hope they can walk away from work in 3 years. Will Roth conversions keep the tax man from taking a giant bite on their way out? That's all today on Your Money, Your Wealth® podcast 591 with Joe Anderson, CFP® and Big Al Clopine, CPA.Free Financial Resources in This Episode: https://bit.ly/ymyw-591 (full show notes & episode transcript)Withdrawal Strategy Guide - free downloadhttps://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-withdrawal-strategy-guide&utm_content=ymyw-pod-ep591-description-whitepaperThe Number One Spending Mistake Ruining Retirements - YMYW TVhttps://purefinancial.com/ymyw/episodes/number-one-spending-mistake-ruining-retirements/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep591-description-tv-s12e01Financial Blueprint (free, self-guided):https://bit.ly/YMYWblueprintCREQUEST your Retirement Spitball Analysis:https://bit.ly/YMYWaskCDOWNLOAD more free guides:https://bit.ly/YMYWguidesCREAD financial blogs:https://bit.ly/YMYWblogCWATCH educational videos:https://bit.ly/YMYWvidsCSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWnewsletterCConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast00:57 - Half a Million and Rental Properties in Our Mid-40s. Can We Retire Early? (B & S, Westminster, MD)12:48 - Refugee to $3.75M: Is My Roth Conversion Plan Actually Solid? (Vee, OR)25:55 - Can Friends with $1.4M and a Roth Conversion Puzzle Retire in 3 Years? (Chandler & Monica, TX)33:05 - Outro: Next Week on YMYW Podcast

What happens when businesses invite AI into the very workflows that define how they operate? And if AI can organize your finances, research tax law, and prepare a return in minutes, what becomes the human job? In this episode of Inside Job, Matt and Aaron open with a conversation about AI agents moving deeper into the workplace, what businesses may gain from that transition, and what they risk when they hand over their data, intellectual property, and operational knowledge. Then, Matt talks with CPA, professor, and firm owner Lori Hauck about how accounting has evolved from shoeboxes full of receipts to cloud software and generative AI, why trust remains the profession's greatest asset, and how accountants are becoming less like number crunchers and more like trusted advisors. As AI transforms one of the world's oldest professions, this episode asks a bigger question: When technology handles more of the work, what becomes uniquely human?

Divorce is emotional—but it's also one of the biggest financial transitions you'll ever face. I'm joined by returning guest and podcast sponsor Phil Weiss, founder of Apprise Wealth Management, CFA, CPA, and Registered Life Planner (RLP®). Phil is passionate about helping women start fresh financially and guiding individuals and families through life's biggest financial transitions with clarity and confidence.In this episode, we discuss the financial moves that matter most before, during, and after divorce, including: - The biggest financial mistakes people make during divorce- Whether keeping the family home is the right financial choice- The financial documents you should gather first- How to rebuild financial confidence after divorce- The money mindset you need to rewrite for your next chapter If you're navigating divorce or creating a new financial future, this conversation is full of practical advice and encouragement. Follow Phil:Website@philweiss11

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On today's episode, Dr. Mark Costes answers listener questions in this Ask Me Anything special, covering ownership strategy, practice growth, scaling decisions, and the team of advisors every dental owner should build. Mark shares what he would do differently if he were starting over as a new grad, including avoiding practices that are too small to scale, being cautious with overly rural locations, and focusing on demographics, capacity, and long-term exit options.  He also discusses when it makes sense to add another doctor, what metrics to watch beyond revenue, and why owners should stabilize their flagship practice before pursuing additional locations. The episode also dives into building a personal board of directors, including a CPA, bookkeeper, attorney, tax strategist, financial advisor, banker, and performance coach, before wrapping with advice on making faster, less fearful business decisions without abandoning thoughtful analysis. Be sure to check out the full episode from the Dentalpreneur Podcast EPISODE RESOURCES https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast

If you recently started an LLC, this episode is for you. Many business owners think filing the paperwork is enough—but that's just the beginning. Tiffany Phillips, CPA, explains the five biggest LLC mistakes that can lead to higher taxes, lost deductions, missed deadlines, and weaker liability protection. You'll learn how to separate business and personal finances, understand how your LLC is taxed, stay compliant, structure property purchases correctly, and document business expenses the right way. These tax tips, tax planning, and business strategy insights can help you avoid expensive mistakes before they happen. Small changes today can save you money and headaches later. Listen now and learn how to build an LLC that works for you—not against you.   Next Steps:

If you had the chance to buy your own business today... would you? In this episode, I share one of my favorite coaching exercises that helps business owners step out of the daily grind and see their business through a completely different lens. Imagine you're buying your business from someone else. What would you notice? Would the financials give you confidence? Would the customer experience impress you? Would your employees, systems, inventory, and processes make you excited to invest? This simple exercise helps you stop making excuses and start identifying opportunities. You'll learn how to evaluate your business objectively, uncover hidden weaknesses, and use your business numbers to make smarter decisions that lead to more profit. Sometimes the biggest breakthrough comes from looking at your business with fresh eyes.

What do you do when your first employer hands you a uniform and tells you to serve tea, despite having a law degree from Tokyo University? For Sachiko Ichikawa, the answer was to quit, pick up law again, and spend the next three decades collecting edges that no one else had. Now a founding member of BDTI (the Board Director Training Institute), a qualified lawyer and CPA, and a Business Lawyers Award winner in governance, Sachiko has trained over 4,000 board directors in Japan and sat in boardrooms where she has seen—up close—what separates the A team from the B team. If you enjoyed this episode and it inspired you in some way, we'd love to hear about it and know your biggest takeaway. Head over to Apple Podcasts to leave a review and we'd love it if you would leave us a message here!In this episode you'll hear:Sachiko's first job at a bank that saw her take control of her career and go into lawThe Livedoor securities fraud case that introduced Sachiko to corporate governanceWhat Sachiko observed in her very first boardroom that taught her how to be an excellent board memberHer favourite book and other fun facts About SachikoSachiko Ichikawa a lawyer at Tanabe & Partners, a director at Board Directors Training Institute, an independent director at Azbil, Olympus and Tokyo Electron Connect with Sachiko LinkedIn: https://www.linkedin.com/in/sachiko-ichikawa-203bb621/ LinksEnoura Observatory: https://www.odawara-af.com/ja/enoura/ Boards that lead: https://amzn.asia/d/02LOo8NO Connect with Catherine LinkedIn https://www.linkedin.com/in/oconnellcatherine/Instagram: https://www.instagram.com/lawyeronair

Can You Retire at 55 With $800,000? (Using the Rule of 55)Are you 55 years old with around $800,000 saved for retirement? You may be closer to retirement than you think.In this video, I'll walk through a real retirement scenario and explain how the Rule of 55 works, allowing many people to access their 401(k) without the normal 10% early withdrawal penalty if they leave their employer at the right time.**Schedule your free virtual consultation

Andrew Hunzicker is a CPA, entrepreneur, and founder of DOPE CFO, a leading training and advisory platform that helps accountants and entrepreneurs specialize in high-growth industries like cannabis, CBD, and hemp. With over 30 years of experience in accounting, tax, and executive leadership, Andrew has built and advised multiple multi-million-dollar businesses. A former Big Four professional and recipient of the Gold Medal Award for the highest CPA exam score, Andrew is widely recognized for his expertise in financial strategy, capital access, and scaling businesses through niche specialization. Through DOPE CFO, he has helped professionals transition into high-value advisory roles while empowering business owners to increase profitability, improve financial systems, and position themselves for long-term growth and successful exits. During the show we discuss: Why revenue doesn't equal profit and how focusing on the wrong numbers can destroy your business The key financial metrics entrepreneurs overlook that actually determine success and scalability How understanding your financials improves your ability to get funding and access capital Why most business owners operate "blind" financially—and how to fix it How to use financial data to make smarter growth decisions instead of guessing The connection between financial strategy and long-term wealth building Why proactive financial planning beats reactive accounting every time How to build a business that's profitable, fundable, and sustainable Resources: https://dopecfo.com/

⚠️ CONTENT WARNING: This episode contains discussions of serious topics, including online child exploitation, grooming, and extremist networks. Listener discretion is advised, especially if children are nearby. Episode Summary In this heavy but critically important episode of Talk Law Radio, host Todd Marquardt exposes a chilling new breed of online threat facing our families. We dive deep into the recent federal sentencing of Alexis Aldair Chavez, a San Antonio-based leader of a Nihilistic Violent Extremist (NVE) network known as "8884" (a subsidiary of the "764" criminal enterprise). Sentenced to 40 years in federal prison, Chavez’s case reveals how decentralized, nihilistic groups are actively using social media, gaming apps, and messaging platforms to target and terrorize vulnerable teenagers. Todd breaks down the legal mechanics of this prosecution, explaining how the federal government is weaponizing the RICO Act—originally designed to take down the mafia—to dismantle digital cyber-enterprises. To show how easily everyday people can find themselves entangled in online networks, Todd also shares a warning hypothetical about a side-hustle community on social media that crosses the line into a fraudulent, RICO-eligible enterprise. Earlier in the show, we shift gears to focus on financial security. Todd sits down with Steve Warren of Financial Planning HQ to discuss the concept of a "financial flight plan" and why having a dedicated "Financial CEO" can keep your lifetime financial strategy anchored and on track. Key Takeaways & Highlights The Threat of Nihilistic Violent Extremist (NVE) Networks: Understand the rise of decentralized online groups like the 764 Enterprise. Driven by nihilism—the rejection of moral and traditional values—these groups seek to sow social instability by targeting minors where they play and hang out online (TikTok, Telegram, Discord, and gaming lobbies). How Predators Groom and Blackmail Kids: Learn the playbook used by these digital predators. It starts with minor, seemingly harmless online requests to build rapport. Once they secure any private content, they use ruthless extortion and blackmail to force victims into compliance. Modern RICO Applications: Discover how prosecutors are creatively applying the RICO (Racketeer Influenced and Corrupt Organizations) statute to the digital age, establishing that online communities and internet communication satisfy the legal requirements for "interstate commerce" and "criminal enterprises". Actionable Parent & Caregiver Tips: Be Active and Engaged: Regularly ask your children who they are talking to online and sit with them while they play video games or send messages. Watch for Warnings: Keep a close eye on behavioral shifts and recognize warning signs of online grooming. Report Immediately: If you suspect anything, use resources like the FBI’s Internet Crime Complaint Center (IC3), call 1-800-CALL-FBI, or contact Project Safe Childhood. The "Financial Flight Plan" (With Steve Warren): Why your financial goals need a name, a date, and an exact funding requirement—and how a flat-fee "Financial CEO" keeps your team of experts (attorneys, CPAs, planners) working in sync. Resources Mentioned in This Episode FBI Tips Website: tips.fbi.gov FBI Phone Line: 1-800-CALL-FBI (1-800-225-5324) FBI San Antonio Field Office: 210-225-6741 Project Safe Childhood: (Search online for the DOJ’s child protection initiative and tips) Financial Planning HQ (Steve Warren): 210-685-2722 Marquardt Law Firm (Todd Marquardt): 210-530-4278 | marquardtlawfirm.com -Sponsored by Marquardt Law Firm and Financial Planning HQ -Go to marquardtlawfirm.com and financialplanninghq.net If you found this episode valuable, please Subscribe and hit the Notification Bell on YouTube. Sharing this podcast with other parents, grandparents, and caregivers helps raise vital awareness to protect the children in our communities.See omnystudio.com/listener for privacy information.

Богатые люди думают о налогах не в апреле, а летом: готовить сани надо заранее, в декабре экономить уже поздно. В этом выпуске CPA и налоговый директор Тимур Князев объясняет, как иммигранту в США перестать переплачивать государству и превратить декларацию из головной боли в инструмент для жизни.Разбираем, чем W2 отличается от 1099 и почему контракт это на самом деле бизнес, что можно и что нельзя списывать, как работают акции от работодателя (RSU, вестинг, sell to cover) и крипта, что происходит с налогами при переезде между штатами и на удаленке. Отдельно - самая горячая тема для новичков: зарубежные счета, иностранные компании и ИП, наследство и подарки из-за границы, и какие штрафы за это грозят (спойлер: очень большие). Если вы недавно в США, работаете на W2 или 1099, получаете акции или у вас остались активы на родине - этот выпуск сэкономит вам деньги и нервы.О чем поговорили:Путь Тимура: от хедхантера в Москве до налогового директора в бигтехеПочему налоги надо планировать летом, а не в апрелеW2 против 1099: почему контракт это бизнесЧто реально можно списать, а что нельзяАкции от работодателя: вестинг, продажа, capital gains и частые ошибкиКрипта в декларации: что отслеживает налоговая в 2026Налоги при переезде между штатами и на удаленкеЗарубежные счета, компании, ИП: FBAR, CFC, GILTI и штрафыНаследство и подарки из-за границы: форма 3520Может ли AI помочь с налогами3 совета тем, кто хочет навести порядок в налогахГость выпускаTimur Knyazev (Тимур Князев) - CPA и налоговый директор в AI-компании o9, выпускник Большой Четверки (Ernst & Young и PwC). Автор книги US Tax Reform for Hipsters, ментор стартапов и налоговый советник для основателей.LinkedIn - https://www.linkedin.com/in/timurk/Сайт - www.timur.taxКнига - www.hipstertax.comНалоговый бутик - www.tk.cpa***Карьерная консультация (резюме, LinkedIn, стратегия, поиск работы в США) - https://annanaumova.comКоучинг (синдром самозванца, прокрастинация, страхи) - ссылкаТелеграм - https://t.me/prodcastUSAИнстаграм - https://www.instagram.com/prodcast.usТикТок - https://www.tiktok.com/@us.job⏰ Timecodes ⏰00:00 Интро00:43 Зачем думать о налогах уже летом05:29 От рекрутинга до Big Four в США18:34 Разница между W2 и контрактом 109919:54 Плюсы и страхи работы на контракте23:23 Почему летнее планирование спасает от переплат27:49 История Анны: цена налоговой ошибки30:25 Ловушка Obamacare и форма 1095A32:14 Какие расходы списывают на W235:31 Как законно списывать расходы на 109936:17 Как задекларировать домашний офис41:59 Как устроен налоговый аудит в США46:30 Налоги в США и доходы в СНГ48:11 Как налоговая узнает про счета за рубежом50:05 Чем опасны иностранные компании и КИК53:57 Отчет по зарубежным счетам через FBAR56:12 Что делать, если забыли заявить о счетах59:03 Как облагаются подарки и наследство01:00:46 Крупные переводы из-за рубежа и форма 352001:01:44 Налоги на зарубежное имущество01:08:15 Налоги на RSU и акции в IT01:13:27 Как декларировать криптовалюту01:18:15 Налоги при смене штата и на удаленке01:21:32 Главный принцип: суть важнее формы01:25:28 Опыт работы в Anthropic01:31:04 Заменит ли AI бухгалтера01:34:01 Налоги для основателей стартапов01:36:59 Три совета от налогового CPA01:42:22 Итоги и финальные рекомендации

Nine years ago today, two dudes had an idea. That idea became The Bad Crypto Podcast — and 812 episodes later, we're still here. To celebrate our ninth anniversary, Joel Comm and Travis Wright are doing something useful with all those dead NFTs in your wallet: turning them into a tax write-off. Most of the NFTs we bought are abandoned, rugged, or worth pennies. But in the U.S., a crypto loss is a capital loss — and those losses can offset your gains (plus up to $3,000/year against ordinary income). Joel built a tool with Claude that scans your wallets, finds the damage, and hands you a report for your CPA.

Alicia sits down with longtime friend and Intuit Trainer/Writer Network co-founder Alison Ball to trace her path from Intuit through Liscio and BookKeep to running her own consulting practice as a trusted sounding board for tech companies and practitioners alike. Alison breaks down why so many accounting tech products stumble (hint: they skip the accountants), shares Blake Oliver's now-famous advice to fix your bottleneck before pointing AI at anything else, and makes the case for why the UK's tax system might be a preview of where the US is headed. Grandkids, gardens, and gamillion-dollar vines make an appearance too.Sponsors:Intuit Accountants - http://uqb.promo/intuitPilot - http://uqb.promo/pilotVeltrix - http://uqb.promo/veltrix(00:00) - Podcast Welcome Guest Intro (00:45) - Off Brand QBO Shirt Story (01:36) - How We Met At Connect (04:24) - TWN Origins And Auditions (07:05) - TWN Disbanding Impact (09:03) - Layoffs And Career Shifts (12:43) - Product Design Mistakes (15:25) - AI Bottlenecks And Decisions (17:39) - Community Collaboration Shift (22:13) - Canada Vs US Accounting (24:29) - Canadian Community Leaders (25:21) - Inclusive Culture And Travel Plans (26:16) - Training Tour Across Canada (27:03) - Advice For Industry Change (28:48) - Getting On The AI Train (31:16) - Tech That Fades Into Background (32:21) - AI Apps And Workflow Value (35:25) - Making Tax Digital Future (40:05) - Life Updates And Where To Connect (43:36) - QuickBooks Hands On Training Pitch (45:24) - Final Thanks And Wrap Up LINKSReach out to Alison at https://www.linkedin.com/in/alisonball/Listen to our episode about Intuit layoffs: uqb.show/146July 21 through October 8: HANDS-ON QUICKBOOKS TRAINING COURSE, http://royl.ws/HOT2026?affiliate=5393907We 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/@UnofficialQBOPodcastSign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

Jonny Havey is the founder of eLearning Partners™, a business consultant, and former CPA and IT auditor at PwC. He partners with forward-thinking business owners and teams within S&P 500 companies to identify and eliminate hidden profit leaks by turning education into a competitive advantage.Through his work, Jonny helps organizations increase product adoption, improve customer and employee retention, and drive measurable profit growth. His approach focuses on closing the gap between what businesses are doing, what customers and employees actually need, and what creates real, lasting results.Visit Jonny Havey's Website: e-learningpartners.com

With Constantine Hatzivassiliou—Partner, Certuity Golf taught Constantine Hatzivassiliou how to perform under pressure. Building a nearly $5B multi-family office taught him that the best advisors become the first call when life, not just the markets, gets complicated. In Summary Many advisors spend years mastering investments, but for affluent families, portfolio management is often just the starting point. Jason Diamond welcomes Constantine Hatzivassiliou, Partner at Certuity, to discuss how his journey from aspiring professional golfer to leader of a nearly $5B multi-family office shaped his approach to client service. Their conversation explores why trust is earned long before a crisis, how family office services evolve naturally from client needs, and why the advisor's role increasingly resembles that of a quarterback coordinating every aspect of a family's financial life. The discussion also examines organic growth, referrals, fiduciary advice, private equity's impact on the RIA landscape, and the qualities that allow advisors to become indispensable over decades—not just market cycles. The Storyline Many advisors spend years perfecting investment management. But as clients become more successful, the job changes. The questions become bigger than portfolio construction. A business is being sold. A family dynamic shifts. A tax issue emerges. An estate plan needs updating. Suddenly, the advisor isn't simply managing assets—they're coordinating decisions, relationships, and emotions. For Constantine, that broader role was shaped long before he entered wealth management. As an aspiring professional golfer, he learned lessons about discipline, preparation, and performing under pressure that continue to influence how he serves clients today. Jason and Constantine explore how Certuity grew from approximately $210 million in assets to nearly $5B, not through acquisitions but through referrals and a service model built on becoming indispensable to the families they advise. Constantine explains why he believes the best advisors function more like quarterbacks than portfolio managers, orchestrating the many moving pieces that come with significant wealth. The conversation also examines the evolution of the multi-family office model, the role of fiduciary advice, the impact of private equity on the advisory landscape, and why experience, judgment, and trust remain the qualities clients value most. Ultimately, this episode is about what it takes to become the first call when life – not just the markets – becomes complicated. Topics Covered Lessons from professional golf that translate to wealth management Building Certuity from $210mm to nearly $5B in assets What distinguishes a multi-family office from a traditional RIA Why referrals fuel long-term organic growth Becoming the “first call” for affluent families Fiduciary advice and the evolution of the advisory profession Family office services beyond investment management Private equity and M&A in the RIA space Developing the next generation of advisors Trust, relationships, and lifetime client service > Download a transcript of this episode… Listen and Learn Highlights for Advisors How did professional golf prepare Constantine for advising wealthy families? (3:45) Constantine explains why competing under pressure taught him discipline, emotional control, and process—qualities that now guide every client relationship. How did Certuity grow from $210 million to nearly $5 billion? (8:00) He shares why nearly all of the firm's growth has come organically through client referrals rather than acquisitions or aggressive recruiting. What separates a multi-family office from a traditional advisory firm? (11:45) The conversation explores how expanding into trust, estate, tax, and family office services became a response to client needs—not a business strategy. Why should advisors think of themselves as quarterbacks? (20:00) Constantine recounts a client business sale that fell apart at the closing table and explains why advisors often become the person holding everything together. How does Certuity view private equity and acquisitions? (36:20) Jason and Constantine discuss when outside capital can make sense—and why Certuity has chosen a different path centered on client alignment. Why do wisdom and experience still matter in an AI-driven world? (29:30) Despite advances in technology, Constantine argues that judgment, trust, and perspective remain the qualities affluent families value most. Key Takeaways High-net-worth clients increasingly value coordination, judgment, and perspective over investment selection alone. Family office services often evolve naturally as advisors respond to increasingly complex client needs. Sustainable organic growth is rooted in trust, which explains why referrals account for the overwhelming majority of Certuity's new business. Golf and wealth management share the same disciplines: preparation, emotional control, patience, and executing under pressure. The most valuable advisors become trusted partners during life's defining moments—not simply portfolio managers. Technology continues to reshape wealth management, but experience and wisdom remain difficult to replicate. Building a lasting advisory business requires investing in culture, succession, and the next generation of talent. https://youtu.be/m72Hq6bMTo4 Quotable Moments “The best advisors aren't simply managing portfolios. They're the first person clients call when life gets complicated.” “A bad shot in golf is the equivalent of a bad day in the market. You can't let one dictate everything that comes next.” “More often than not, we're not just financial advisors—we're financial therapists.” “Growth gets the headlines. Trust is what makes it possible.” FAQs What is a multi-family office? A multi-family office delivers integrated services beyond investment management, often coordinating tax, estate planning, philanthropy, business planning, and other complex financial matters for affluent families. Why has Certuity grown primarily through referrals? Constantine attributes the firm's growth to deep client relationships, a collaborative service model, and becoming the trusted advisor clients recommend to others. How does golf relate to wealth management? Golf reinforces discipline, emotional control, preparation, and performing under pressure—all qualities Constantine believes are essential for effective advisors. What is Constantine's perspective on private equity in wealth management? While he understands why many firms pursue private equity, he believes every strategic decision should ultimately be measured against what best serves clients. What qualities distinguish exceptional advisors today? According to Constantine, exceptional advisors become trusted coordinators of a client's financial life—bringing together specialists, solving problems, and providing perspective during life's most important moments. A multi-family office delivers integrated services beyond investment management, often coordinating tax, estate planning, philanthropy, business planning, and other complex financial matters for affluent families. Constantine attributes the firm's growth to deep client relationships, a collaborative service model, and becoming the trusted advisor clients recommend to others. Golf reinforces discipline, emotional control, preparation, and performing under pressure—all qualities Constantine believes are essential for effective advisors. While he understands why many firms pursue private equity, he believes every strategic decision should ultimately be measured against what best serves clients. According to Constantine, exceptional advisors become trusted coordinators of a client's financial life—bringing together specialists, solving problems, and providing perspective during life's most important moments. Related Resources Emotional Intelligence: The “Untouchable” Differentiator in an AI World Intentional Growth: How Top Advisors Build Businesses That Last The 10 Characteristics of the Most Successful Teams Constantine HatzivassiliouPartner  Constantine Hatzivassiliou is a Partner at Certuity, a nationally recognized multi-family office serving affluent families, entrepreneurs, executives, foundations, and endowments. He advises clients on the complex financial, tax, estate, and business planning decisions that accompany significant wealth, helping families coordinate all aspects of their financial lives through a comprehensive family office approach. Drawing on more than two decades of experience, Constantine works closely with successful business owners, corporate executives, and multi-generational families to simplify financial complexity and align investment management, tax planning, estate planning, philanthropy, and family governance strategies. As a Certified Exit Planning Advisor (CEPA®), he frequently assists entrepreneurs in preparing for liquidity events, business transitions, and the long-term stewardship of family wealth. His clients often view him as a trusted advisor and strategic sounding board, helping them navigate important financial decisions with the perspective of both a family office professional and a coach. Prior to joining Certuity, Constantine held advisory and banking positions with The Bank of New York Mellon, Bernstein Global Wealth Management, and Pacific Mercantile Bank. Before entering the financial services industry, he was a Golf Professional and member of the PGA of America, experiences that continue to shape his disciplined, competitive, and relationship-focused approach to advising clients. Outside of his professional responsibilities, Constantine is passionate about mentoring young athletes and strengthening the communities in which he lives and works. He serves as a Board Member of Coerfontaine Football Club (CFC), a premier youth soccer organization focused on developing young athletes and helping them pursue collegiate and professional opportunities while fostering leadership, discipline, and character. He also serves as Chair of the Safety and Security Committee for Parkland, where he works alongside community leadership to enhance resident safety, security, and quality of life. In addition, Constantine is a Founding Board Member of The Boardroom, a private membership organization focused on fostering meaningful relationships among business leaders, entrepreneurs, and professionals through networking, education, and philanthropy. Born in Greece, Constantine spent his childhood in Montreal before relocating to South Florida. He attended the University of Florida before earning a Bachelor of Arts in Economics from Florida Atlantic University, where he graduated with honors. He holds the Certified Exit Planning Advisor (CEPA®) designation. A lifelong student of the game, Constantine remains active in golf and is a member of Muirfield Village Golf Club, founded by his longtime  hero and mentor, Jack Nicklaus, as well as Parkland Golf & Country Club. Constantine resides in Parkland, Florida, with his wife, Stephanie, and their two children, Nicholas and Olivia. 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. Episode Transcript Lessons from the Links: From Golf Pro to $5B Family Office Partner A conversation with Jason Diamond and Constantine Hatzivassiliou, Partner at Certuity. Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Lessons from the Links: From Golf Pro to $5B Family Office Partner. It’s a conversation with Constantine Hatzivassiliou, partner at Certuity. I’m Jason Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive whether that’s at a wirehouse, boutique or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned and, each year, one in four advisors managing $1 billion or more who change firms are our clients. Our process is education-driven and based on building relationships starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report, it’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions, download your copy at diamond-consultants.com/transitionreport. Jason Diamond: Golf is a way of exposing who you really are, there are no teammates to blame, no clock to run out and no hiding from a bad decision. Every shot demands discipline, patience and the ability to stay focused when the pressure is highest, my guest today knows that firsthand. Before becoming a partner at Certuity, a multifamily office approaching five billion in assets, Constantine Hatzivassiliou was pursuing a career as a professional golfer. An injury ultimately redirected his path towards wealth management but many of the lessons he learned on the course still shaped the way he serves clients today. Certuity has grown from roughly 210 million in assets to nearly five billion, that’s impressive on its own but the more interesting story is how they’ve done it. The firm has grown largely through referrals built around a multifamily office model and focused on becoming far more than an investment advisor to the families it serves. In Constantine’s view, the best advisors aren’t simply managing portfolios, they’re the first person clients call when a business is being sold, a family issue becomes complicated or a major decision carries consequences well beyond the balance sheet. Constantine and I discuss the lessons golf teaches about handling pressure then we dive into the evolution from the traditional wealth management world to the multifamily office model, why referrals drive nearly all of Certuity’s growth, how he thinks about private equity’s influence on the advisory business and what it takes to become the first call for the wealthy families they serve and perhaps, most importantly, why the same qualities that help someone succeed on a golf course may be surprisingly relevant to building trust over a lifetime. It’s a great conversation so let’s dive in. Constantine, thank you so much for joining, thrilled to have you here. Constantine Hatzivassiliou: Thank you for having me, excited to be here. Jason Diamond: Yeah, absolutely. So, you had an unconventional path to wealth management, you started as a professional golfer, I think that’s a first for us on this show, before ultimately transitioning into this world. Can you tell us a little bit about the journey and what brought you here? Constantine Hatzivassiliou: Yeah, I never thought I’d be here, my parents were certainly shocked that I got here path wise. Growing up, immigrants from Greece, you settle into Florida the traditional way where you either go down the diner route or the gas station route in mechanics which my father was the latter and school and education was never priority, it was always about supporting the family needs. So, next thing you know, sports are a critical part of any good household, that’s how I was raised and I played everything but golf. I grew up on a golf course because my parents believed that a location of a property was critical to long-term financial success. We lived on a golf course, it was in our backyard, we’d stare at it and we’d use it to play football or baseball or anything but actual golf. And my freshman year at the University of Florida, I started dating a girl on the golf team and she got me hooked to the point where, after four years of hitting balls with the women’s and men’s golf team at the University of Florida for six hours a day, we finished school and realized I’m actually pretty good at the game and, while I have a finance and economics background and degree, let’s try and pursue this for a living and I was blessed. I had a sponsor who helped me succeed at golf on a small scale, it was a humbling experience to say the least. I was competing and playing with Sean O’Hair, Ken Duke, guys who made it out on tour for a very long time, we had the same sponsor so we functioned as a team, it was a collegiate team effectively trying to make it out on tour. And, unfortunately, my second year of competing, I blew out my back doing heavy deadlifts which set me aside for 18 months. While I was recovering, my primary sponsor was in financial services and says, “Hey, you have a background in this, it’s killing you not being able to be on the golf course, why don’t you come work for me while you’re rehabbing so that, when you get back to playing golf, it’s easier for you to talk about our business as a sponsor to try and develop business to throw it to the financial services side?” And Jason, the reality is, after 18 months working there, I fell in love with it. I made way more money working in that environment than I ever would’ve made playing golf because, again, I came to the game late. I was decent but I was nowhere near the caliber of players that are succeeding now out on tour. So, I pivoted after having met my wife and decided to settle down into the wealth management space and, what is it now, 26 years later, going strong. So, it’s been a fun transition from golf into wealth management to say the least. Jason Diamond: Probably my favorite background … I watch a lot of golf, I should caveat that, probably my favorite origin story we’ve had, I’ll give you the Wanamaker trophy or whatever you get, first place. Let’s talk about the business now, so Certuity. For our audience who may not be familiar, tell us a little bit about the firm, what types of clients do you serve and any context you can provide on size as well. We’ll talk about how your firm got there but just give us where we are today to start with. Constantine Hatzivassiliou: So, goal by the end of the year is to have $5 billion in AUM, we’re just shy of that now. We currently service 428 families across the country. So, we’re boutiquey and nimble, we’re based in South Florida, we have offices in New York, San Fran and LA. I’m fortunate to be one of four partners at the firm supporting the growth and the direction of the company and it’s a fun endeavor in the sense that, when we first started, I was employee number four 16 years ago and, with 210 million in AUM at the time to grow it to where we are today, to learn all the things that we have over the years, the curve balls that were thrown at us because all of us came from massive institutional wealth management firms. So, we transitioned from the Bernsteins of the world, the BNY Mellons of the world into an RIA in the South Florida market, there was absolutely an entrepreneurial learning curve involved. Jason Diamond: I bet. And on follow-up question, 16 years ago, did you have a book of business, client business and do you still maintain a book of business today? Constantine Hatzivassiliou: I do. The four of us at the firm share in all of the clients, we work together. Being in the Southeast, I’m responsible for, let’s call it, the Southeast demographics of the US which is a large portion of Certuity’s book. I have a partner in Tennessee, I have a partner in LA and San Francisco and we divide and conquer across the country. But, yes, we came over with a small book, we’ve all grown it organically since then. So, we’ve been very effective in how we’ve grown. Jason Diamond: Just from adding new client money? Constantine Hatzivassiliou: Strictly through new clients referred to us by existing clients. Jason Diamond: Wow. I want to talk more about the growth because that’s remarkable. But before I do, can we double click on the service model? So, I would say the most typical we hear, I think more of our guests typically come from the wirehouse world where it’s I have my book, you have your book. What does your service model look like? So, is it truly, if it’s working well from the end client perspective, you should be interchangeable with your partners and it’s a true team approach? Constantine Hatzivassiliou: How we engage our clients, the theory should be I can get hit by a bus tomorrow and outside of the client not being able to speak to me directly, they will not have a hiccup in any way, shape or form. And when we’re dealing with families across multiple generations, the way we’ve built our platform, that continuity is critical in the engagement process for the clients hiring us to help them through all of the challenges that they face. Jason Diamond: What’s your sweet spot in terms of client size? Constantine Hatzivassiliou: Our average client size today has just shy of eight million AUM with us. We have some clients who have $1 million certainly but they’re strategic in that their friends, their family, they could be centers of influence who help send business our way because they value what it is that we do and there’s a strategic partnership because we might need them for their trust and estate services or their accounting work and they have clients who have a need and we’re on the short list of people they refer to. Jason Diamond: That they trust. Yeah, makes sense. So, I’ve seen this in the news and also even on your own internal materials, I’ve seen you described as both a modern multifamily office, you’ll also obviously hear the term RIA as well. Does that distinction matter at all? And maybe my second part of that question would be what is the distinction between that space, whatever you call it, and the more traditional firm world from a client service perspective? You mentioned that all of your partners from that world. Constantine Hatzivassiliou: I started in this industry truly at an institutional level at Bernstein in New York and, for anyone who knows Bernstein, they really do brainwash you on the fiduciary model and the values affiliated with that philosophy has translated through my career at BNY Mellon which has a very similar feel as Bernstein. And then, when we came here, we instilled that same core value principle of fiduciary responsibility for our clients so we are very different than a traditional wirehouse or brokerage house, it is why we’ve grown so successfully. I would never, one, work for an institution that did bide by those standards and, secondarily, I wished Congress and Senate would turn around and actually implement a mandatory fiduciary liability for all financial advisors because, far too often, we see prospective clients or families get taken advantage of because the individual sitting across from them giving them financial advice is not necessarily aligned with their goals and objectives. Jason Diamond: So, I take it you are fee only. Constantine Hatzivassiliou: We are fee only. Jason Diamond: Yeah. I don’t want to lose the thread on the first part of my question. Do you think there is a distinction between a multifamily office and an RIA? I don’t want to lead you here but to me it implies a different level or different caliber of service model that probably includes more of the ancillary trust and estate and CPA type stuff that higher network clients need but curious what your thoughts are. Constantine Hatzivassiliou: Our first seven years at the firm, we were strictly an RIA, we functioned as an advisory service provider to our clients. What attracted me and my partners to Certuity was the nimbleness of the firm. So, for instance, at BNY Mellon, we often deemed a change necessary as moving an aircraft carrier across the world but it was an impossible task to accomplish. But when you’re small and nimble and clients come to you with a need and you’re in the service, ultimately, first and foremost, it made sense for us to start building out family office services for our clients because they had a need and we found it as a way to centralize everything because, far too often, when the communication standards break down between all the individual parts, one, it’s more expensive for the clients and, two, the process isn’t efficient, things get missed. So, we tried, largely due to our growth, to bring everything in house and our clients appreciate that for it. Jason Diamond: So, this is not a chicken and egg situation, this is very much we had large clients, we were attracting large clients and, in order to service them optimally, here’s what we felt we needed to build. Is that fair? Constantine Hatzivassiliou: 100%. Jason Diamond: Let’s shift gears, I need to go deeper on the professional golf thread a little bit. I promise I won’t make the whole interview about your golf background. I’m curious if you feel like that experience or that, I don’t know, upbringing or, I guess, background laid any foundation for the way you engage with clients today or the way you operate as a business leader today. Constantine Hatzivassiliou: So, there’s a couple parts to that. The golf side, certainly, just from an engaging client perspective, 90% of our clients are golfers. Jason Diamond: It’s very true. Constantine Hatzivassiliou: Right. It just helps because of our background and certainly with some of the clients and partners that we have at the firm, golf is a critical thread in what we do. However, when it comes to golf, what I learned playing golf at a high level directly translates to how we manage money for clients and I’ll express it this way. There’s generally two types of golfers, there’s the artist, the Sergios of the world who don’t fundamentally function off of specific points in their swing or a very structured platform, they see something, their mind becomes creative and they execute on it. I was never that way, I am a numbers person, I think everything analytically, I break everything down to the minute, everything is strategized and organized, I was taught to practice that way by Coach Alexander at the University of Florida and that foundational element seemed easy, it worked. If you practice properly, you’ve succeeded. Under pressure, all those hours and hours of repetition translated to success more often than not. In our industry, it’s process-driven, it has to be unemotional. A bad shot in golf is the equivalent of a bad day in the market, you can’t let one bad day in the market influence everything you do for the next year. Same way on the golf course playing in a tournament, you can’t allow one golf shot to affect the rest of the round. We kid with our clients oftentimes that, while we are fundamentally their financial advisor, more often than not, we’re their financial therapist. We have to control their emotions and make sure they’re not making an irrational decision. For instance, a couple days ago we were out with a client the day that Iran shot down one of the US military helicopters and we’re sitting down at lunch and, all of a sudden, his phone starts blowing up because he’s getting all these Google alerts to the market heading in the wrong direction and he had to go do a life insurance test later on that afternoon. So, all week, he had prepped and he was calm and he was relaxed, he was really excited, he’s, “My wife is setting me up with a new insurance policy and I know it’s for her benefit but all my numbers look good, I’m going to ace this and my premiums will be really low because of it,” it was a $25 million policy. And as he’s looking at his phone and he sees the market collapsing in his mind, his blood pressure rose to no end, you could see that his anxiety level went through the roof and, had I not been there with him at the time to hold his hand through that process, his afternoon would’ve been shot. I would’ve got a phone call saying, “What are we doing to prevent 2% loss in my portfolio,” because that’s how he thinks and, in that moment, I was the therapist to talk him off a ledge. It’s so hard for individuals to manage the stress of the markets, that golfer mentality of, okay, just breathe, relax, let’s see what’s going on, let’s make an educated, confirmed decision, let’s circle back with our caddy if we’re on tour and competing and make a unified decision for the long-term success of the goal that we’re trying to achieve. And what we do every day is the same thing with our clients. Jason Diamond: It’s an incredibly thoughtful answer, I expected a version of the latter part of your answer. I appreciate that you added the part about just most clients like golf, enjoy talking about golf, enjoy playing golf and it’s an effective business development tool, there’s no question. Constantine Hatzivassiliou: So, I have two kids, a 12-year-old and an eight-year-old, my son who’s 12 who’s an exceptional soccer player and wants to, aspires to play professionally one day has now fallen in love with golf which I’m ecstatic about. I think golf and tennis, from a business development perspective- Jason Diamond: Yeah, lifelong sports. Constantine Hatzivassiliou: And I look at it now and my mentor when I started in the business was absolutely right. The fact that I could get a CEO of a Fortune 100 company to want to actively spend four hours with me where we could dive into the weeds about their personal life, their financial situation, their business, you could never get that time otherwise. I urge everyone who’s coming out of college or is going into college who wants to aspire to be in any type of sales related role, golf is a great venue to make long-term relationships. Jason Diamond: And importantly, tennis is not as good on the knees long-term or the back long-term. So, you stick to golf, you get a little more longevity out of it. Constantine Hatzivassiliou: It does help, yes. You’re right. Jason Diamond: My thought always goes to people call it the 15th club in golf, just this mental element of the game and to me it’s the clear moment in golf that always comes to mind for me is the 72nd hole. I don’t know if you just watched the US Women’s Open but Nelly Korda standing over a two-foot putt that I really thought she missed, is there an equivalent of that moment? Are you ever able to recreate that pressure in your current role or is that something that you miss? Constantine Hatzivassiliou: Jason, we have those moments weekly, countless stories. Here’s where I love my job. I’ve transitioned from being the guy behind the screen who is just trading accounts, that’s where we all start and you have to have that foundational perspective of what’s involved in trading an account on a daily basis. Not that we ever picked stocks to an extensive level, we were generally managing ETFs, mutual funds and strategies but I’ll give you an example. So, just last week, we had a family and this is where the family office side comes in more so than the financial advisory services come in. We had spent four months in helping a family sell their business, it was a life altering moment, the dad started the business, the dad had been independently successful, net worth of well into eight figures, was happy and content, brought his son into the business, son was brilliant, saw an opportunity within the business and grew the business by 4,000%. Jason Diamond: Literally? Constantine Hatzivassiliou: Yup. All because of this, the son saw a different direction and pivoted the business and grew it out and here he is, getting ready to have their first child and he gets approached by a firm to acquire his business. They’re ecstatic, the number was perfect, I thought it was overvalued, I was telling them that there’s no way they could turn it down because the number was too significant. Had they gone to the market, they would probably never achieve that level of return. And literally, the day of closing, as we’re expecting the wire to come through, the deal gets pulled. So, here you have the father who’s crushed because he was trying to provide something for his son, the son who’s just devastated because he now was preparing for the second stage of his life and you go through at that stage the classic stages of grief, it’s the cycle that goes through it. I was holding their hand through the three-month process up to there, every day, hourly calls, strategizing, building everything out, organizing the accounting team, organizing the attorneys, getting it all to work out. And here I am, father and son, unbelievably stressed, you have the wives in the background who can’t quite comprehend what’s going on, you have employees beneath them who are now confused as to there was a transition getting ready to take place and the only person who can step in under that critical moment to bring everybody back together was me. So, here I am thinking, 20 years ago, I’ll just pick stocks and bonds for individuals but now I’m in the middle of deal flow trying to help a family solve the issues that arise. So, those are hugely critical- Jason Diamond: Yeah, that’s right. Constantine Hatzivassiliou: …moments where, because our clients are our friends and family, we care for them like they’re our own, you become emotionally attached. And the same pressure that I felt when I won my first mini tour event after college, when I had to get up and down from the impossible bunker shot and I hit it to six feet and I made the crucial put to win my first $23,000 check which I thought was unbelievable, they gave you those big old-fashioned- Jason Diamond: The Happy Gilmore checks. Constantine Hatzivassiliou: Exactly, right? It was the greatest day at that time. The stress of being in that bunker trying to hit that shot is the same stress I felt having two phones ringing, one the father, one the son where we have to keep that situation separate. So, you’re diving into unbelievably stressful situations and the best part is, when we get it all solved and literally yesterday we solved the entire dynamic of the business, I get a text from the son saying that this was the most incredible rollercoaster experience he’s ever experienced, that he’s incredibly grateful for all that I did and our team did for him and that, for the rest of his life, we will always be the first person he calls to solve any of his problems. So, for us, that’s the recreation of that stressful moment and then the victory on the back end. Twenty-five years ago, I got the big Happy Gilmore check. Yesterday, I got that text which I’ve printed out and framed and have it in my office as a constant memory of why it is we do what we do. Jason Diamond: And I would bet that’s more impactful than the $23,000. It’s an incredible story and I’ll tell you why, you said it but it’s as far away from stocks and bonds as you could possibly get. But I think, most advisors, a story like that resonates much more. It leads into my next question. You intentionally choose to service a high net worth segment of the market and I would assume that number’s probably creeping up, not down over time in terms of who you service. My thought is that’s a very competitive segment of the market as well. Is this how you differentiate is just you make it about those types of human examples or is there more to it? Constantine Hatzivassiliou: I’m envious of the advisor who could walk into a room of 200 people and they become the central focal point of the room where they can walk up to every single person and fearlessly ask them incredibly personal information, I’m not wired that way. For me, I’m very much the individual that I will find the one person that I have common ground with, I will deepen that relationship and I will add value and, because of the value that I create, I become a critical component of that individual’s success. And that’s how we’ve grown our business holistically at the firm largely buy that extra layer of service. We’re a commodity business. Being in South Florida, the clubs that I belong to, 10 to 15% of the members feel like they’re financial advisors. You could throw a rock anywhere and find a financial advisor so how do I differentiate myself? The only way I can truly differentiate myself and my firm is the level of service we provide, to go that extra step. To where, when we’re calling a client, they know I’m calling them to support their needs not because I’m seeking something for any ulterior motive. Jason Diamond: But you don’t mention financial planning or investment management or asset custody. Is that because I assume just that’s table stakes? Of course we do that but … Okay, yeah. Makes sense. Constantine Hatzivassiliou: That’s the easy part, right? That’s foundationally … And to your earlier point, you were asking the RIA model. One of the biggest challenges that we had down here in South Florida was the RIA model is new. If you were in the northeast, RIAs are very common, out west, incredibly common. Down here in South Florida, I just finished dealing with Bernie Madoff. Jason Diamond: You were fighting the good education fight a little bit. Constantine Hatzivassiliou: At Bernstein, 108 of our clients had assets with Bernie Madoff. Jason Diamond: Yeah. Constantine Hatzivassiliou: So, when you leave, one of our biggest growing curves as an RIA in South Florida was, when you leave the power of BNY Mellon or Bernstein and you’re some random little shop called Certuity, no one knows who you are. So, there was a big part of our education in the business was learning how to educate clients and prospective clients on the value of the RIA model and the fiduciary model in particular. Jason Diamond: Could you give me the 30-second answer to that if somebody says who are you, your prospect? I’ll tell you why I ask. Forget just Bernstein’s and BNYs of the world, a Morgan Stanley advisor or Merrill advisor has the exact same fear. I’m leaving Merrill to go launch Jason Diamond Wealth Management, my client’s going to say, “Well, who is that?” So, give me the quick pitch. Constantine Hatzivassiliou: Your typical broker, let’s say, you’re not really hiring JP Morgan, you’re not really hiring Wells Fargo, you’re not hiring Goldman Sachs, you’re hiring the advisor who works for that institution. Now, yes, that advisor has the Rolodex of data and information available at the firm level but, ultimately, you’re entrusting that individual to make your decisions for you. The broker who leaves the brokerage model to open up their own brick and mortar operation has to then decide are they continuing down the wirehouse brokerage model where they’re transactional in nature, the economics behind that, far more profitable. The revenue streams affiliated with a brokerage house drastically blows us out of the water. But then you have to also look at yourself in the mirror so how are you running your book of business, how are you running your practice. So, to answer your 30-second question, the RIA model, in my opinion, is truly the only way any family of wealth should proceed with an advisory firm because you want an individual who is aligned in your goals and objectives. Our clients know that I’m their chief financial officer, I work for them. They task us with building out a financial strategy that is customized to their individual needs and they never have to worry do I have an ulterior motive as to why I’m presenting an option in that strategy. And, because of that, the fiduciary model, I think, is critical for our success as a firm and, again, as I mentioned earlier, I wish it’s something that was industry well and not the vast minority. Jason Diamond: Yeah. No, that’s a great answer. So, do you think then that, as time has gone on, this has gotten easier? I assume the answer is yes either because more clients are aware of your brand and/or more aware of the space as a whole. Constantine Hatzivassiliou: The first thing that helped the most was some gray hair. When I started at Bernstein, I attempted to solicit new clients very much the same way I do today. But when I was 26 years old and I’m sitting in front of a family worth and the dad was in the 70s and he lived his life and I’m younger than his kids, he would look at me and say, “What do you really know? What experience do you have?” So, doing this now for as long as I have, the number one thing that has helped me the most in growth is just wisdom and time. Without that, yes, you can be a rockstar stock picker. We have so many kids coming out of college today with the advent of AI and technology that have algorithms that could run unbelievable portfolios and there is a segment of the market who wants to hire and engage those individuals but, generally speaking, the families that we service, that is 10th or 12th on the list of importance. Jason Diamond: No, I think that’s spot on. I think most high net worth clients counterintuitively agree with that, that alpha, for lack of a better term, is really not the name of the game or not in the top five reasons why you would engage with a financial advisor. Constantine Hatzivassiliou: Agreed. The biggest thing that we’ve been doing to educate clients especially in today’s environment, I had a call yesterday with an individual, a client who lives in New Jersey who works out of New York for a hedge fund, he knows our space incredibly well. He’s one of those kids, 28 years old, brilliant, as smart as you’ll ever be but his tax bracket is atrocious. He is paying so much of his W-2 income in taxes and building out a strategy that can reduce his tax liability by several hundred thousand dollars a year far exceeds any alpha I can generate by picking a top decile performer. Jason Diamond: What was the strategy? Move to Florida? I’m just kidding. Don’t answer that. Constantine Hatzivassiliou: We offered that but, unfortunately, he has to be physically in the office in New York City but yes. Jason Diamond: I think that will resonate, by the way, your gray hair comment. I appreciate the humility and the modesty in that because, the reality is, one of the questions I was going to ask you about was next-gen talent cultivation. In my opinion, this is a hard game for younger folks for that reason. People sit across from other people with a lot of money and they say, “Why am I going to entrust you with my life’s work when you just don’t have that degree of experience?” I was asking more even about your firm success and your firm story, have you felt like that’s caught on more? Do you have more brand awareness, if you will, now when you go to a prospect meeting or do you think you’re still constantly fighting that education fight? Constantine Hatzivassiliou: So, first part, brands, it’s improved in our immediate network. In our little bubble of the world, yes, it’s known. Let’s call it, in South Florida the influential attorneys, the accountants, the divorce attorneys know who we are because, having been down here long enough, we’ve had opportunities to work together. Our network of friends, certainly, the word spreads. But in the grand scheme of things, we are so small in the South Florida landscape or the LA landscape or the New York landscape so any incremental gain that we pick up is meaningful. And then, as it relates to young talent, our success is completely, long-term, derived by the young talent that we bring in to nurture them to help them grow. I look at our success, two of our critical mentors and board members of our firm are in their 80s, their children and grandchildren, nepotism aside, whether it was interning while in college or coming to work for us after school, they’re our best employees. And our goal as a firm, just like how I was offered the opportunity to become a partner and own a piece of the business, our goal long term will be to transition the business to this younger generation that we’re developing. I look at, again, those two board members who are in their 80s, the advice they’ve given me is don’t ever stop working, you have to be doing something. And I turn to them and say, “I don’t work every day.” I put in 20 hour days, well, not quite 20, 18 hour days but it’s never work because, what I do every day, I don’t deem it work, I love what I do, I don’t ever see myself stopping. Because they’ll tell me all of their friends that have stopped working or sold their business, invariably, the men die within six months because boredom and we always joke around that you’ll continue to work forever. So, I would hope that one day I transition into that advisory board member role where I step aside day-to-day activity where I’m now a mentor to our younger generation that we’re promoting into partners because we’ve made promises to our clients that we will forever be their family office. So, we have to, as part of our growth model, have those transitions in place because we’re servicing many families that have 85-year-old clients and two-year-old clients and we’re tasked with the two-year-olds as well as the 85-year-old. Jason Diamond: I also feel like there’s a little bit of younger generations I think have been reluctant to some degree to get it, you can disagree with this, to get into this space because there’s a more appeal to things like investment banking and sales and trading to some degree. The other problem obviously you alluded to is asset gathering. Your model speaks so clearly to success because you don’t say I own the client, that’s my relationship. To me, you plant the seeds of being able to handle succession much better than somebody who does the mine is mine and yours is yours approach. Is that fair? Constantine Hatzivassiliou: That’s completely accurate. And I think there’s two types of people that serve in the financial advisory space. You have the individual who is analytics driven, who likes being behind the bank of monitors trading account and there’s a critical part of our firm and our success is driven by the team in the office that aren’t necessarily client facing that do all the heavy lifting every day because they’re really doing the heavy work. Myself, my partners, the select few, while talented and able to do that, realize the value that we present is quarterbacking the relationship and helping understand all the components. We kid around that we’ve all stayed at a Holiday Inn Express last night, we’ve become experts in tax, we’ve become experts at trust and estate planning, we’ve become experts at divorce, we’ve become experts at the medical field. It’s shocking how it’s 2:00 in the morning and you get a phone call, panic attack by a client saying they need a doctor for X, Y and Z, can you connect me. So, the younger generation, yes, the sexy space is investment banking and that is really hard work. I could not do what my friends at Goldman do who are at these private mid-market funds, that’s just not me. I’ve been fortunate that I stumbled into an avenue in financial services that I think perfectly fits my personality and my want and desire to help others because that’s what we’re driven by and we try and hire people with that same mindset. The hardest thing as an RIA especially in South Florida is finding and retaining talent that is like-minded and that could function well within our family. Jason Diamond: If you build a firm predicated on culture and client service, I understand, certainly, the importance of that. I want to shift gears, I don’t want to lose this thought. You mentioned organic growth, it’s incredible. You have not mentioned inorganic growth at all and maybe because you haven’t had to but give me your thoughts on M&A, private equity in this space, do you have plans to sell the business, take on a capital partner, buy other RIAs? Constantine Hatzivassiliou: Yeah. So, I understand why private equity in the last 10 years has come into the market. For years, they bought up insurance practices, that recurring revenue, sticky assets, it makes sense. Personally, I’m not a fan of them being in our markets, I think they’re motivated at the end of the day by AUM growth, revenue growth and the second transaction which, for most of our clients, would not make sense because, again, that then questions why it is that we’re motivated to do something. Am I taking extra risk in the portfolio because I want to grow the AUM because I’m looking to sell in a year? Am I bringing in a strategy that has a higher fee? For us, it doesn’t work. In the brokerage model, it makes perfect sense. Now, there are some RIAs who leave the wirehouses, open up an RIA shop, do really well for their clients but don’t have the long-term aspirations of making the institution a legacy to where they’re passing it off. I hope my kids one day want to come work for dad and follow in his steps, that’d be amazing. Just like our younger generation working at the firm, our goal is we’ve already targeted the three or four guys that will be partner one day and we’ll transition the business over to them. But it’s okay if there’s an RIA out there who doesn’t have that transition product or isn’t motivated by that and is looking at it as a vehicle that I’ve built a really good successful book of business and I want to now retire and spend time with my family and kids and travel, et cetera, and that’s where PE steps in and offers an attractive number and the person makes their move. So, I can’t fault the individual for wanting that and I’m not saying that they’re not doing well by their clients, it’s just, for us, I’m not a fan of it because, again, I’m first critically and always focused on what’s best for the client. Jason Diamond: Fair. And I largely agree with some of what you said around private equity in this space but private equity enables … Obviously, it’s capital so which enables acquisitions which is why a lot of firms take on private equity. So, what about the idea of potentially buying businesses to start up inorganic growth? Constantine Hatzivassiliou: We have gone down the road of acquiring other institutions potentially. The challenge is, because we manage money so uniquely and our approach is so different, I’m not going to bring on an institution or bring in a new partner to the firm or a new book of business that we’ve acquired if the methodology and the life of that book doesn’t mirror ours. So, yes, there is opportunities to grow through acquisition, it’s not something that we are leaning on heavily. However, for the right institution that’s available that is aligned with our thinking, whose clients would value and appreciate how we do things or, if that institution is doing something truly unique that we would want to bolt onto our platform, all day long because, again, for the benefit of the client, it makes sense. So, yes, there are opportunities for that. Too often we find that, when a book is available for acquisition, the highest bidder tends to win out and we don’t have the deep enough pockets to write a multiple that we don’t deem to be, let’s call it, market neutral. Jason Diamond: Yeah, market prudent. I understand the premise and I think that’s fair. I also think you have the luxury, because of your organic growth, you can be super, super picky about inorganic and I love how you bring it all back to the lens of the client. Can this improve the client experience in some way? And, if so, yes, we’ll take a look. I got time for one more question, I can’t believe time has flown. You’ve had a remarkable journey, professional golf now partner at a $4 billion plus on the way to $5 billion RIA multifamily office. What are you most proud of when you reflect on your career journey? Constantine Hatzivassiliou: What am I most proud of? To see what Rich, myself and Mark and Jayson built over these years from where we were sitting in a small conference room, struggling to figure out how do we find a way to hire a trust and estate attorney to help with that component, which CPAs do we bring on board in-house because clients have a need. So, the entrepreneurial spirit involved in growing the business, the late nights, the struggles, the banter back and forth, to put so much blood, sweat and tears into this and now to look at all that we’ve accomplished, being in four separate states with offices, having so many wonderful employees that have come to us from all over the world, Germany, from China, from Tokyo, bringing people in to the US and building out something that, when we leave at the end of the day, are incredibly proud of. My father’s no longer with us, for 50 years, I always strived to make him proud because he never told me that he was proud of me, he was the classic Greek old-fashioned dad. I think he looks down on his now for everything that we’ve built and would say that he’s proud of us so, for me, that’s the best. Jason Diamond: Yeah. That’s an incredible place to end. Thank you for sharing that, it’s a touching place to end and I appreciate you being open. Thank you. This has been one of my favorite episodes, your journey, your humility, your honesty, your transparency, it’s no wonder you’ve built a business you’ve built. So, thanks for joining us, Constantine. I look forward to having you back on to talk about the next chapter. Constantine Hatzivassiliou: Thank you. Next time we’ll do it from the golf course. Jason Diamond: Oh, absolutely. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty and credibility. You are successful because you take your professional responsibility seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? Is a book written with you in mind? It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook.   Lessons from the Links: From Golf Pro to $5B Family Office Partner A conversation with Jason Diamond and Constantine Hatzivassiliou, Partner at Certuity. Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Lessons from the Links: From Golf Pro to $5B Family Office Partner. It’s a conversation with Constantine Hatzivassiliou, partner at Certuity. I’m Jason Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive whether that’s at a wirehouse, boutique or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned and, each year, one in four advisors managing $1 billion or more who change firms are our clients. Our process is education-driven and based on building relationships starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report, it’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions, download your copy at diamond-consultants.com/transitionreport. Jason Diamond: Golf is a way of exposing who you really are, there are no teammates to blame, no clock to run out and no hiding from a bad decision. Every shot demands discipline, patience and the ability to stay focused when the pressure is highest, my guest today knows that firsthand. Before becoming a partner at Certuity, a multifamily office approaching five billion in assets, Constantine Hatzivassiliou was pursuing a career as a professional golfer. An injury ultimately redirected his path towards wealth management but many of the lessons he learned on the course still shaped the way he serves clients today. Certuity has grown from roughly 210 million in assets to nearly five billion, that’s impressive on its own but the more interesting story is how they’ve done it. The firm has grown largely through referrals built around a multifamily office model and focused on becoming far more than an investment advisor to the families it serves. In Constantine’s view, the best advisors aren’t simply managing portfolios, they’re the first person clients call when a business is being sold, a family issue becomes complicated or a major decision carries consequences well beyond the balance sheet. Constantine and I discuss the lessons golf teaches about handling pressure then we dive into the evolution from the traditional wealth management world to the multifamily office model, why referrals drive nearly all of Certuity’s growth, how he thinks about private equity’s influence on the advisory business and what it takes to become the first call for the wealthy families they serve and perhaps, most importantly, why the same qualities that help someone succeed on a golf course may be surprisingly relevant to building trust over a lifetime. It’s a great conversation so let’s dive in. Constantine, thank you so much for joining, thrilled to have you here. Constantine Hatzivassiliou: Thank you for having me, excited to be here. Jason Diamond: Yeah, absolutely. So, you had an unconventional path to wealth management, you started as a professional golfer, I think that’s a first for us on this show, before ultimately transitioning into this world. Can you tell us a little bit about the journey and what brought you here? Constantine Hatzivassiliou: Yeah, I never thought I’d be here, my parents were certainly shocked that I got here path wise. Growing up, immigrants from Greece, you settle into Florida the traditional way where you either go down the diner route or the gas station route in mechanics which my father was the latter and school and education was never priority, it was always about supporting the family needs. So, next thing you know, sports are a critical part of any good household, that’s how I was raised and I played everything but golf. I grew up on a golf course because my parents believed that a location of a property was critical to long-term financial success. We lived on a golf course, it was in our backyard, we’d stare at it and we’d use it to play football or baseball or anything but actual golf. And my freshman year at the University of Florida, I started dating a girl on the golf team and she got me hooked to the point where, after four years of hitting balls with the women’s and men’s golf team at the University of Florida for six hours a day, we finished school and realized I’m actually pretty good at the game and, while I have a finance and economics background and degree, let’s try and pursue this for a living and I was blessed. I had a sponsor who helped me succeed at golf on a small scale, it was a humbling experience to say the least. I was competing and playing with Sean O’Hair, Ken Duke, guys who made it out on tour for a very long time, we had the same sponsor so we functioned as a team, it was a collegiate team effectively trying to make it out on tour. And, unfortunately, my second year of competing, I blew out my back doing heavy deadlifts which set me aside for 18 months. While I was recovering, my primary sponsor was in financial services and says, “Hey, you have a background in this, it’s killing you not being able to be on the golf course, why don’t you come work for me while you’re rehabbing so that, when you get back to playing golf, it’s easier for you to talk about our business as a sponsor to try and develop business to throw it to the financial services side?” And Jason, the reality is, after 18 months working there, I fell in love with it. I made way more money working in that environment than I ever would’ve made playing golf because, again, I came to the game late. I was decent but I was nowhere near the caliber of players that are succeeding now out on tour. So, I pivoted after having met my wife and decided to settle down into the wealth management space and, what is it now, 26 years later, going strong. So, it’s been a fun transition from golf into wealth management to say the least. Jason Diamond: Probably my favorite background … I watch a lot of golf, I should caveat that, probably my favorite origin story we’ve had, I’ll give you the Wanamaker trophy or whatever you get, first place. Let’s talk about the business now, so Certuity. For our audience who may not be familiar, tell us a little bit about the firm, what types of clients do you serve and any context you can provide on size as well. We’ll talk about how your firm got there but just give us where we are today to start with. Constantine Hatzivassiliou: So, goal by the end of the year is to have $5 billion in AUM, we’re just shy of that now. We currently service 428 families across the country. So, we’re boutiquey and nimble, we’re based in South Florida, we have offices in New York, San Fran and LA. I’m fortunate to be one of four partners at the firm supporting the growth and the direction of the company and it’s a fun endeavor in the sense that, when we first started, I was employee number four 16 years ago and, with 210 million in AUM at the time to grow it to where we are today, to learn all the things that we have over the years, the curve balls that were thrown at us because all of us came from massive institutional wealth management firms. So, we transitioned from the Bernsteins of the world, the BNY Mellons of the world into an RIA in the South Florida market, there was absolutely an entrepreneurial learning curve involved. Jason Diamond: I bet. And on follow-up question, 16 years ago, did you have a book of business, client business and do you still maintain a book of business today? Constantine Hatzivassiliou: I do. The four of us at the firm share in all of the clients, we work together. Being in the Southeast, I’m responsible for, let’s call it, the Southeast demographics of the US which is a large portion of Certuity’s book. I have a partner in Tennessee, I have a partner in LA and San Francisco and we divide and conquer across the country. But, yes, we came over with a small book, we’ve all grown it organically since then. So, we’ve been very effective in how we’ve grown. Jason Diamond: Just from adding new client money? Constantine Hatzivassiliou: Strictly through new clients referred to us by existing clients. Jason Diamond: Wow. I

On the Uplevel Dairy Podcast, Peggy Coffeen concludes a three-part Farm Forward listener Q&A series with Will McKinley of Menn Law and Pat Sturz, a retired CPA and longtime agriculture tax advisor, discussing why legal and tax planning must be integrated in farm succession. They explain how farm growth and asset write-offs can create future tax problems, why “sell the farm on a land contract” can trigger unexpected upfront taxes due to different asset classes, and how early planning, entity choice, and large early gifting can improve outcomes.They highlight tools like profits interests to share future growth or reward key employees without immediate income tax, strategies like “shadow” partnership entities to move assets out of C corps over time, and the role of stepped-up basis at death. They close with key mistakes, priorities, and the need for readiness and clarity about who will be involved and retirement cash needs.Contact Will McKinley or Pat Sturz at Menn LawWilliam-McKinley@mennlaw.com(920) 731-6631pat_sturz@mennlaw.com715-586-0050Learn more at https://mennlaw.com/Do you have a question on succession and farm transition you would like to hear Will answer on the Uplevel Dairy Podcast? Send your questions to peggy@upleveldairy.com01:13 Meet Will and Pat04:30 Long Term Tax Mindset06:13 Gifting and Entity Choices09:43 Avoid Land Contract Traps12:00 Profits Interest Explained15:20 Shadow Farm Strategy18:32 Biggest Misunderstandings23:19 One Year Retirement Priorities24:42 Common Mistakes and Wrap Up

Thanks to our partners Promotive, WickedFile, Maverick Shop Owners, and OverdryveHow much cash did your shop actually make last month — and how much of it is still sitting in the bank? If you paid off every dollar of debt tomorrow, would you have anything left to cover a bad month?In this episode, Hunt Demarest, CPA, goes solo to tackle a topic he says trips up shop owners more than almost anything else: cash and reserves. He breaks down the simple rule of thumb for how much you should be keeping in the bank, then walks through four specific mistakes he sees shop owners make — from draining the business dry to (on the flip side) hoarding so much cash it becomes a legal liability, to the sneaky problem of debt payoff plans that leave owners debt-free and cash-poor at the same time. Hunt also shares the exact system he recommends clients use to set their own distributions so reserves never dip below where they need to be. Whether you're sitting on six figures in the checking account or wondering why you're always scrambling before payroll, this episode is a practical gut-check on the number that actually keeps a shop alive: cash.What You'll Learn...02:41 Cash vs. profit — the two flows of money every owner confuses03:30 The reserve rule of thumb — 3 to 6 months of overhead05:03 Why your ideal reserve depends on your shop's cash flow pattern06:55 Mistake #1 — Draining your business of its own cash09:51 The fix — how to set your monthly distribution the right way14:24 Mistake #2 — The "champagne problem" of keeping too much cash16:14 The profit-hold account trick — protecting cash without spending it17:01 Mistake #3 — Parking reserves where they earn zero interest19:12 Mistake #4 — Paying off debt too aggressively21:06 Cash and debt beats debt-free and broke — Hunt's ruleIf you're ready to stop guessing how much cash your shop should be holding, start building a reserve strategy that actually fits your business, and finally understand why "debt-free" isn't always the win it sounds like — this episode is essential listening.Thanks to our partner, PromotivePromotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our partner, WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Thanks to our partner, Maverick Shop OwnersYou're working on growing a more profitable shop - that's critical. That's exactly what the 24-video Blueprint course by Maverick Shop Owners addresses - customers, sales, profit, people, systems, and freedom. Get free access for our listeners only at https://maverickshopowners.com/blueprintThanks to our partner, OverdryveOverdryve is your AI-powered marketing operating system. It predicts slow weeks before they happen, automatically launches revenue-driving campaigns, tracks ROI down to the dollar, and optimizes performance in real time. Visit https://overdryvemarketing.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comGet the FREE 2026 Auto Shop Benchmark Report: https://hubs.ly/Q04j-grh0Download a Copy of My Books Here:Beyond the Bays: A Financial Playbook for Auto Repair Shop OwnersWrenches to Write-OffsYour Perfect Shop The Automotive Repair Podcast Network: https://automotiverepairpodcastnetwork.com/Remarkable Results Radio Podcast with Carm Capriotto: Advancing the Aftermarket by Facilitating Wisdom Through Story Telling and Open DiscussionDiagnosing the Aftermarket A to Z with Matt Fanslow: From Diagnostics to Metallica and Mental Health, Matt Fanslow is Lifting the Hood on Life.The Weekly Blitz with Chris Cotton: Weekly Inspiration with Business Coach Chris Cotton from AutoFix - Auto Shop Coaching.Speak Up! Effective Communication with Craig O'Neill: Develop Interpersonal and Professional Communication Skills when Speaking to Audiences of Any Size.Business by the Numbers with Hunt Demarest: Understand the Numbers of Your Business with CPA Hunt Demarest.The Auto Repair Marketing Podcast with Kim and Brian Walker: Marketing Experts Brian & Kim Walker Work with Shop Owners to Take it to the Next Level.

We'll walk you through the three pillars of a thriving specialized cannabis CFO practice, and show you exactly how DOPE CFO gets you serving cannabis operators at the highest level, faster.---In this video, Andrew Hunzicker, CPA and founder of DOPE CFO, breaks down the strategic shift that separates a bookkeeper or generalist accountant from a specialized fractional CFO commanding premium retainers. You'll learn why bookkeeping, payroll, tax preparation, and audit are racing toward zero under AI, and how to reposition your accounting practice around forward-looking value work like tax planning, cash flow forecasting, strategic advisory, and CFO-level services. Andrew walks through the path from generalist bookkeeper to specialized cannabis CFO, the five-part playbook for building a six-figure advisory firm with three to five high-paying clients, and how the recent federal cannabis rescheduling to Schedule III opens the biggest window for accountants in decades.Andrew has trained thousands of accountants over the last eight years, both through DOPE CFO and at national firms. He helps plan and lead the AICPA Cannabis Conference every year and started his career at a Big Four firm.Andrew covers:- Why bookkeeping, tax prep, payroll, and audit are all racing to zero (PwC says end-to-end AI audit by the end of this year)- The exact split between cost work and value work, and why clients happily pay premium fees for the second- Why tax planning is easier than tax prep, and puts real money back in a client's pocket- The "number two to the CEO" positioning that AICPA finally co-opted, and how it changes what you charge- The 15th-to-18th monthly cadence Andrew runs for every client, and what fills the second half of the month- The five-part path from generalist to specialist, and why cannabis and hemp check every box right nowThis is what a real specialized CFO practice looks like when the pricing model actually reflects the value delivered.

Networking can feel uncomfortable for many of us, but meaningful connections often start with simple conversations and strong listening skills. Alex Romero, CPA, CGMA, the AICPA's director–CPA Pipeline, shares practical advice for building professional relationships at conferences and beyond, including the reminder that pauses are acceptable. Romero also highlights ways to stay present in conversations and one activity that she has found to be a networking boost. She also discusses the latest outlook for accounting talent, accounting enrollment trends, and why the CPA credential remains a "great differentiator." Other resources mentioned in the conversation include an earlier podcast episode from ENGAGE with the AICPA's Carl Mayes, CPA; the website ThisWayToCPA.com, with numerous resources for students and educators; and information on the July 24 Faculty Hour Series webcast, which includes Romero as a scheduled speaker. What you'll learn from this episode: The ways accounting professionals who are averse to networking can become effective at building relationships at conferences and other events. How active listening helps create deeper professional connections. Romero's practical conversation starters and techniques. What recent accounting enrollment data suggests about the CPA talent pipeline.

Rebekah Brown Olson didn't plan to lead a state CPA society. A single leadership assessment during a firm training session reframed how she saw her own strengths, and thirteen years later she's the CEO of the Maryland Association of CPAs, connecting firm leaders across the profession every day. In this conversation, Brannon Poe talks with Rebekah about what's really driving change in accounting right now, and why she believes community, not information, is what separates firms that thrive from firms that struggle.Rebekah shares an encouraging read on the student pipeline, pointing to strong turnout and impressive second-career candidates at a recent University of Maryland accounting graduation event. She also walks through her theory on where private equity is headed: a barbell shaped profession, with large firms formed through consolidation on one end and a new wave of small, independent firms on the other, as CPAs who leave newly acquired environments choose to build something of their own.For firm owners thinking about their own exit, Rebekah's advice centers on two habits: treating strategy as something to revisit constantly rather than a plan that sits on a shelf, and involving the people around you early, since real alignment comes from letting your team weigh in on where the firm is headed.The Conversation Covers:How a leadership assessment redirected Rebekah's entire career pathWhy community may be the biggest differentiator for CPA firms over the next decadeHow private equity could reshape the profession into a barbell-shaped structureWhy small firms are positioned to specialize and move faster than larger competitorsHow involving your team early creates real strategic alignment ahead of a transitionWhy choosing the right private equity partner matters more than the deal itselfRebekah closes with a story from her college years at Ohio State, working as a football field manager during a live scrimmage, that ties back to the same theme running through the whole conversation: what it looks like when a community shows up for someone.This Episode Is For:Firm owners curious about how community and connection shape long-term successLeaders ready to think through a 5 to 10 year exit and succession planPractitioners wondering how private equity might change hiring, retention, and cultureAnyone interested in how small firms can compete through specialization and speedBook Recommendation:The Upside of Stress: Why Stress Is Good for You, and How to Get Good at It by Dr. Kelly McGonigal Amazon linkTimestamps:00:00 - Brannon Poe intro and podcast welcome 00:14 - Introducing Rebekah Brown Olson, CEO of the Maryland Association of CPAs 00:57 - How a quarter-life crisis and a leadership assessment changed Rebekah's career path 01:41 - From CPA firm senior to curriculum developer at the Maryland Association of CPAs 03:12 - Working part time, then full time, then becoming CEO three years ago 04:02 - What Brannon and Rebekah share: burning out of public practice and finding a better fit 04:45 - What Rebekah gets to do now: advocate for the profession and connect people across it 05:06 - The big picture view: what the Maryland Association of CPAs CEO is seeing right now 05:31 - Why getting good at change is the most important capability for any accounting firm 06:00 - Why community is the competitive advantage when complexity and change accelerate 06:34 - Why you can't know everything but you can know a lot of people 07:19 - Recruiting new students: are the numbers moving and what kind of students are coming in 08:15 - Why the pipeline alarm is starting to work and what recent graduation events are showing 08:40 - Accounting as a stable major during economic uncertainty 09:07 - What the new wave of accounting students looks like: different backgrounds, strong leaders 09:30 - Retention: are people staying in the profession better than they used to? 10:01 - The historical reality of planned attrition in CPA firm hiring 10:45 - The move from public to private still happens but may be slowing 11:10 - Brannon's theory on PE-driven salary increases and the poaching risk that comes with it 11:37 - Why starting salaries in accounting need to keep rising to compete for talent 12:00 - How private equity is creating a barbell-shaped profession 12:40 - What the disappearance of the midsize CPA firm looks like and why it matters 13:29 - How small firms can win through specialization and speed on technology 14:25 - What Rebekah would tell a CPA firm owner who is 5 to 10 years from an exit 15:17 - Why a 5 to 10 year plan has to be iterative, not static 15:43 - Involving your team in strategy: why it changes buy-in, retention, and execution 16:08 - The Business Learning Institute and working with small to midsize firms on strategy 16:32 - Why the best insight sometimes comes from the person scheduling client appointments 17:53 - Vision casting as a retention tool: why people stay when they know where the firm is going 18:45 - What happens when someone is not bought in: it's okay, not every culture fits every person 18:56 - What Maryland Association of CPAs members are saying about private equity and succession planning 19:25 - The top-level conversation: are we picking the right PE partners? 20:06 - The case for remaining independent and why different firm models are healthy for the profession 20:50 - What non-decision-makers feel about PE: caution, valid concerns, and fear of change 21:17 - Why settling on a PE buyer too soon is one of the biggest risks in a sale process 21:42 - Why every PE firm is different and why comparative analysis matters more than people realize 22:23 - Football story: handing the ball to Troy Smith and getting tackled by Ted Ginn Jr. 25:17 - What the experience after the tackle taught Rebekah about community showing up for people 26:45 - Book recommendation: "The Upside of Stress" by Dr. Kelly McGonigalDownload Now: https://poegroupadvisors.com/accounting-practice-academy/increase-letter/Price increases are nothing to fear. The real challenge is effectively informing clients of these changes. Our templates will help you demonstrate your value and help clients understand the increases necessary to keep your firm afloat.*Download now and receive:*- (1) Major Fee Increase Letter Template- (1) 20% Fee Increase Letter Template

Cash-Pay Generic Drugs Are a Functioning Market in Healthcare, and Policymakers Could Break It. Episode 520. Cash-pay generic drugs are one of the few corners of US healthcare where a real, functioning market already exists — which is why Stacey Richter argues policymakers need to tread carefully when trying to "fix" drug affordability. In this solo episode, Stacey explains why cash generic prices can run as low as $1 a prescription, then plays clips from four past guests — Ge Bai, PhD, CPA; Bryce Platt, PharmD; Benjamin Jolley, PharmD; and Luke Slindee, PharmD — showing how inserting a PBM extracts $41 out of every $100 spent, leaving patients paying more for the "privilege" of using their insurance. WHAT YOU'LL LEARN ✅ Why cash-pay generic drugs are one of the few genuinely functioning markets left in US healthcare, with multisource manufacturer competition keeping prices as low as $1 to $18 per prescription ✅ Why using insurance/PBM coverage makes the 20 most prescribed generics more expensive 43% of the time overall, and up to 79% of the time in the deductible phase, per Ge Bai, PhD, CPA's research in Annals of Internal Medicine ✅ How PBMs extract $41 out of every $100 spent on generic drugs that cost roughly 47 cents to manufacture, largely through the administrative overhead of risk pooling ✅ How Most Favored Nation "lesser of" clauses in PBM-pharmacy contracts punish pharmacies for lowering their cash prices, and why Luke Slindee, PharmD, argues removing that single clause could unlock a more robust cash-pay market without pulling generics from insurance entirely ✅ Why generic drug adoption has slowed from about one month to six months to reach peak uptake, which Bryce Platt, PharmD, ties to PBM formulary control rather than reduced competition or prescriber resistance ✅ Four policy ideas Stacey floats for keeping generics affordable without wrecking the underlying market: eliminating MFN clauses, funded wallets or prepaid cards, pre-funded cash-pay pharmacy relationships, and removing generics from PBM adjudication entirely WHY THIS MATTERS Generic drugs are one of the only truly functioning markets left in US healthcare, and cash prices are already low because of it. But policymakers trying to make medications more affordable often reach for the same lever — routing everything through insurance/PBM adjudication — which the data shows frequently raises what patients pay while handing PBMs a 41-cent cut of every dollar spent. As Stacey puts it, "you have to be really careful what levers you push because you can't see what they're attached to," and the wrong fix could break the one part of healthcare that's actually working. MENTIONED IN THIS EPISODE EP444 with Ann Kempski: Apple Podcasts | Spotify | Other Apps LinkedIn Post by Bryce Platt, PharmD EP495 with Mick Connors, MD: Apple Podcasts | Spotify | Other Apps EP420 with Ge Bai, PhD, CPA: Apple Podcasts | Spotify | Other Apps EP422 with Benjamin Jolley, PharmD: Apple Podcasts | Spotify | Other Apps EP517 with Stacey: Apple Podcasts | Spotify | Other Apps LinkedIn Post by Bryce Platt, PharmD EP439 with Luke Slindee, PharmD: Apple Podcasts | Spotify | Other Apps LinkedIn Post by Patrick Moore EP465 with Chris Crawford: Apple Podcasts | Spotify | Other Apps === LINKS ===

Can a rental property put $30,000 in your pocket without adding $30,000 to your taxable income? Let's talk about rental property tax strategiesMike explains how rental real estate can create tax savings even when you can't use rental losses to offset your business or W-2 income. He breaks down the difference between cash flow and taxable income, how depreciation can shelter rental income, and what happens to suspended passive losses. He also covers short-term rental rules, real estate professional status, common entity mistakes, and the key questions to ask before buying a rental property.

Tyler McBroom is a CPA, entrepreneur, and CEO of TRM CPA, a premier tax advisory firm helping business owners legally save millions while scaling profitable companies. Known for simplifying complex tax strategies into clear, actionable steps, Tyler empowers entrepreneurs to keep more of what they earn and build long-term wealth. He has successfully scaled two businesses past $5 million in under five years and leads an award-winning firm recognized as one of America's Best Workplaces. With a rapidly growing social media audience of over 900,000 followers, Tyler shares practical insights on tax strategy, business growth, and financial decision-making. As the author of "Cash Flow & Grow" and a trusted advisor to high-level entrepreneurs, he is on a mission to help founders make smarter financial moves and create sustainable success. During the show we discuss: How to legally pay less in taxes using proactive strategies Why most accountants fail to provide real tax strategy How to turn tax planning into a growth advantage The difference between tax preparation vs tax strategy How to structure your business for maximum tax efficiency Ways to increase cash flow by reducing unnecessary tax spend How high-level entrepreneurs use taxes to build wealth Why thinking ahead (not reacting) can save you thousands or millions Resources: https://www.trmtaxreview.com/  https://www.trm.cpa/

Erik "The Viking" Solbakken shares his journey from discovering drumming in grade school to leading rock bands and embracing his passion for music alongside his accounting career. He reflects on fighting against early discouragement to pursue drums and how his love for music persisted even as he trained to become a CPA. Erik describes a long break from music while building his professional career before coming back to drumming through tribute bands and eventually founding his own band again. He talks about experiencing true connection with clients and others after he began sharing his musical side openly. Erik highlights the freedom and authenticity he found by merging his professional and personal identities. He encourages others to share their authentic selves, noting that doing so brings connection, trust, and a vibrant sense of community. Episode Highlights ·  Embracing your full, authentic self and sharing your passions outside of work leads to stronger, more genuine connections with clients and colleagues. .  There is often resistance within professional environments to blending personal passions and work identities, but breaking down those barriers brings bigger rewards.  .  Taking time away from your passion (like drumming) in order to focus on a career can result in feeling unfulfilled, but reconnecting with that passion reignites joy and energy in all aspects of life.  .  Being aware of your audience and how you show up is important; you can bring your best self in an authentic way while also serving the needs of the situation.  .  Sharing who you are and your interests openly can create unexpected bonds and opportunities, both personally and professionally.

In his senior year at UCLA, Alan L. Green secured an internship as an actuary with Equity Funding, a fast-growing financial conglomerate. Only a short time later, he was invited to play a small part in a fraud that would eventually be exposed as one of the biggest corporate scandals of the 20th century.SponsorsC&R Consulting - https://ohmyfraud.promo/cnr Get 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 CALEBTwitter: https://twitter.com/cnewquistLinkedIn: https://www.linkedin.com/in/calebnewquist/Resources Billion Dollar Bubble (1978) [YouTube]I led 66,000 Lives [Rolling Stone]

The market is hitting new highs, but that doesn't mean your investment strategy is working. In this episode, Art Wiederman and Joe Kalinowski explain why building wealth as a dentist has far less to do with predicting the next winning stock and far more to do with having the right long term plan.From the strong performance of large cap, small cap, and international markets to the growing impact of AI on investing, Art and Joe break down what's happening in today's market and what it means for dentists. They discuss why chasing returns often leads to poor decisions, how diversification and disciplined portfolio management can help reduce risk, and why your investment strategy should evolve throughout your career. The conversation also explores retirement planning, tax efficient investing, Roth conversions, selling a dental practice, and practical financial decisions that can have a lasting impact on your wealth. Whether you're buying your first practice, growing your investments, or preparing to retire, this episode offers practical guidance to help you make smarter financial decisions.Follow us on our Socials!Instagram: @artofdentalfinanceFacebook: The Art of Dental Finance and ManagementLinkedIn: Art WiedermanTiktok: theartofdentalfinance&mgmtConnect with Joe!Email:Joe@earned.comWebsite:https://www.earned.com/Contacts:877 939 2500. 925 280 5706--------------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://adcpa.org/ to find a trusted dental CPA near you. Your numbers should work as hard as you do.--------------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.

Cameron is joined by Alexis Gallati, Founder & Tax Strategist at Cerebral Tax Advisors, to explore the critical role of tax planning for practice owners. They discuss the importance of having a tax strategist versus a traditional CPA, recognizing when to seek expert advice, and various strategies to optimize tax savings. Key topics include understanding ordinary income, the implications of entity structure, maximizing deductions, and retirement account strategies such as backdoor Roth IRAs and 401(k) plans. They emphasize the need for proactive tax planning to preserve wealth and enhance financial outcomes for medical practice owners. Cameron and Alexis talk about various strategies for maximizing retirement contributions, involving children in financial planning, leveraging equipment for tax benefits, and utilizing real estate as a wealth-building strategy. They highlight the importance of proper planning and education in financial matters, as well as the potential for significant tax savings through strategic investments and contributions. Listen In!Thank you for listening to this episode of Medical Millionaire!Takeaways:Tax optimization is crucial for practice owners.Most CPAs focus on historical data, not future planning.Recognizing when to seek a tax strategist is key.Ordinary income is taxed differently than passive income.Entity structure impacts tax liabilities significantly.Maximizing deductions can lead to substantial savings.Understanding basis is essential for tax planning.Retirement accounts offer significant tax-saving opportunities.The backdoor Roth IRA is a strategy for high earners.401(k) plans can provide both pre-tax and post-tax benefits. Maxing out retirement contributions can lead to significant savings.Cash balance plans allow for higher retirement contributions.Involving children in the family business can provide tax benefits.Children can earn money and contribute to their Roth IRAs.Equipment purchases can be written off using Section 179.Bonus depreciation allows for immediate tax deductions on equipment.Real estate can be used to offset ordinary income through depreciation.Proper documentation is crucial for tax strategies.Planning ahead is essential for financial success.Working with a knowledgeable tax strategist can maximize benefits.Medical Millionaire: The Blueprint for Scaling a World-Class Medical Aesthetics PracticeWelcome to Medical Millionaire, the go-to podcast for forward-thinking Medspa owners, Medical Aesthetics leaders, Plastic Surgery & Dermatology practices, Concierge Wellness clinics, and Elective Healthcare entrepreneurs who are ready to scale with intention and operate like a true, high-performing business.If you're building, growing, optimizing, or preparing to exit your aesthetics or wellness practice, this show is your competitive advantage.Hosted by Cameron Hemphill Your Guide to Sustainable, Scalable Growth Your host, Cameron Hemphill, is one of the most trusted growth strategists in Medical Aesthetics and Elective Wellness.With over 10 years in the industry, Cameron has helped scale 1,000+ practices and more than 2,300 providers, working alongside the most recognized KOLs, national brands, EMRs, tech companies, and private equity groups, shaping the future of aesthetics. From marketing to operations, from finance to leadership, Cameron brings a real-world, data-driven perspective on what it takes to turn a practice into a powerful business engine.What This Podcast Is All About: Each episode takes you behind the scenes of the fastest-growing practices in the country, revealing the systems, strategies, and mindset required to win in today's Medical Aesthetics landscape.Expect tactical insights, step-by-step frameworks, and conversations with:Industry thought leadersTop injectors & medical directorsEMR & tech innovatorsOperations expertsMarketing strategistsPrivate equity & M&A advisorsWellness and longevity pioneersThis is where aesthetics, business, technology, and wellness converge. What You'll Learn on Medical Millionaire Every week, you'll access expert guidance to help you scale profitably and predictably, including:Marketing & Brand PositioningCRM + Lead Management SystemsPatient Acquisition & ConversionEMR Optimization & Tech Stack ArchitectureSales Psychology & Consultation MasteryFinance, KPIs, and Practice EconomicsOperational Workflows & AutomationIndustry Trends Backed by Real Benchmark DataPatient Retention & Lifetime Value ExpansionMindset, Leadership & Team DevelopmentWhether you're opening your first location or running a multi-million-dollar enterprise, you'll gain the clarity and direction to grow with confidence. A Show Designed for Every Stage of Practice Growth Medical Millionaire breaks down the journey into four essential stages, showing you exactly how to move from one to the next:Startup – Build the foundation and attract your first wave of patientsGrowth – Scale revenue, expand services, and strengthen operationsOptimize – Increase efficiency, margins, and customer experienceExit – Prepare your practice for maximum valuation and acquisitionIf You're Ready to Grow, This Is Where You Start. Tune in weekly for actionable insights, expert interviews, and the exact playbooks high-performing practices use to dominate their markets. This is the podcast for Medspa owners who want more than a job; they want a scalable, profitable, industry-leading business. Welcome to Medical Millionaire.Let's build your practice into the empire it deserves to be.

Most business owners spend too much time looking for ways to avoid taxes and not enough time building lasting wealth.In this episode of Grow Your Business and Grow Your Wealth, Gary Heldt sits down with veteran CPA Sam Miles, founder of Guardian CPA Group, to discuss the difference between smart tax planning and risky tax schemes. With nearly 30 years of experience, Sam shares why the best financial decisions are built on documentation, ethical planning, and long-term strategy instead of social media shortcuts.They discuss why a great CPA should challenge you rather than simply tell you what you want to hear, how to prepare for an IRS audit before one ever happens, and why growing your balance sheet is more important than reducing this year's tax bill.If you're a business owner who wants greater confidence in your finances and fewer surprises from the IRS, this episode is packed with practical advice you can use immediately.In This EpisodeThe biggest mistake small business owners makeWhat separates a great CPA from an average oneWhy many viral tax strategies can create unnecessary riskThe importance of documentation for every tax deductionHow to prepare for an IRS audit before it happensThe Augusta Rule and when it may applyPaying your children through your business legallyWhy buying equipment simply to save taxes can hurt your wealthThe difference between lowering taxes and building real wealthCreating financial systems that support long-term growthConnect with Sam MilesGuardian CPA Group

In this podcast episode, we delve into a critical topic for dementia caregivers: when is it no longer safe for someone living with dementia to live alone? We emphasize the importance of safety and discuss signs that indicate it's time for 24/7 supervision. Whether you're a newly diagnosed caregiver or managing care from a distance, this episode provides valuable insights.‍This episode will cover:— The evolving safety considerations for dementia patients living alone.— Signs of declining home safety and judgment.— The dangers of wandering and its impact on safety.— The role of falls and medication management in determining the need for 24/7 supervision.— How occasional help may not be sufficient in managing care.— Important questions and concerns for dementia caregivers facing this transition.CONNECT, GET RESOURCES, LEARN MORE, + SIMPLIFY YOUR CARE JOURNEY:LinkTree | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.letsbambu.com/b/linktree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MUSIC CREDIT: Listen To SpillageVillage - Tropical Landing Pop Songs At Looperman.com DISCLAIMER: The information contained in Bambu Care LLC's website, blog, emails, programs, services and/or products is for educational and informational purposes only. While we draw on our prior professional expertise and background in other areas, you acknowledge that we are supporting you in our role exclusively as a Dementia Care Consultant. By participating in Bambu Care, LLC's website, blog, emails, programs, services and/or products, you acknowledge that we are not a licensed psychologist, professional counselor, or medical doctor. We in no way, diagnose, treat, or cure any illnesses or diseases. Dementia Care Consulting is in no way to be construed or substituted as psychological counseling or any other type of therapy or medical advice. The information provided by Bambu Care, LLC also does not constitute legal or financial advice nor is intended to be. Dementia Care Consulting is not a substitute for the services of a CPA or attorney.

For decades, referrals were the most dependable growth engine in tax and accounting.A client told a friend, “You should call my CPA.” An attorney made an introduction. A financial advisor recommended someone they trusted. And in many cases, that recommendation led directly to a phone call.That is no longer how the process works.The referral may still begin with a person, but before the prospect contacts your firm, they validate the recommendation. They search your name, visit your website, read your reviews, and increasingly ask ChatGPT, Gemini, Perplexity, or Google AI questions such as:Does this firm really understand my situation? Do they specialize in my industry?Are they the best fit? Who else should I consider?AI is now standing between the referral and the phone call.In this episode of The Growth Minded Accountant, Lee Reams and Rebekah Barton explain how the referral pipeline has evolved through three distinct generations:Referral 1.0: The word-of-mouth era, when trust in the person making the recommendation was often enough.Referral 2.0: The Google era, when prospects began validating firms through websites, reviews, local search results, and online reputation.Referral 3.0: The AI recommendation era, where AI does not merely help prospects find firms. It interprets the available evidence, compares options, and helps prospects decide which firm appears to be the best match.That distinction matters.A firm may have decades of experience, strong client relationships, and deep knowledge. But if that expertise is not visible through its website, content, reviews, FAQs, videos, and other digital evidence, AI may not understand when or why the firm should be recommended.Lee and Rebekah also introduce the idea of invisible referral leakage: referrals that firms never know they received because the prospect researched the firm, found insufficient evidence of relevant expertise, and chose someone else before making contact.The phone never rings. The lead never enters the CRM. The firm never knows the opportunity existed.The solution is not to chase every new marketing trend or become an online influencer. It is to make the expertise your firm already possesses easier to find, understand, and trust.The referral still begins with a person. But AI has become the gatekeeper. Ready to See Whether AI Understands Your Firm?Open ChatGPT, Gemini, Perplexity, or Google AI and ask the same questions your ideal clients might ask.Does your firm appear?Does AI understand what you specialize in?Does it find enough evidence to validate your experience?Which competitors are being recommended instead?That is exactly why CountingWorks PRO created the Free Digital Blueprint Assessment. We evaluate your firm's digital authority, reputation, content footprint, positioning, and visibility across today's AI-driven referral landscape.Then we provide a customized roadmap showing where your firm is strong, where it may be invisible, and what you can do to improve.Because today, it is not enough to earn the referral.You also have to get past the gatekeeper.Start your Free Digital Blueprint Assessment: CountingWorksPRO.com/start

Join the show live every Thursday for a conversation you can't find anywhere else: ⁠https://grow.payrollinpodcast.com/⁠ LinkedIn has changed dramatically in 2026, and many of the strategies that worked just a year ago are no longer effective. In this episode of Payrollin', Matt Vaadi breaks down the biggest LinkedIn algorithm updates and shares a simple 30-minute daily system that can help payroll, HR, PEO, CPA, and B2B service professionals increase their visibility and generate more meaningful engagement. You'll learn: • Why only 1.6% of your followers may be seeing your posts • How LinkedIn's new AI-powered algorithm decides who sees your content• Why saves and shares matter more than likes • The types of AI-generated content LinkedIn is now penalizing • The best posting frequency and times based on the latest research • A simple Engage → Connect → Post framework you can implement in 30 minutes a day • Why LinkedIn newsletters are becoming one of the platform's biggest growth opportunities• Common mistakes that are quietly hurting your reach Whether you own a payroll company, PEO, HR consulting firm, accounting practice, or any B2B service business, these practical strategies will help you stay ahead as LinkedIn continues to evolve. ⏰ *TIMESTAMPS:* 00:00 Only 1.6% See Your Posts01:03 LinkedIn's New AI Algorithm02:13 00:00 Only 1.6% See Your Posts 01:03 LinkedIn's New AI Algorithm 02:13 Forget Likes. Chase This Instead. 02:50 LinkedIn Is Penalizing These Posts 04:29 The 30-Minute Growth System 04:47 Engage First 06:27 Connect Smarter 07:31 Write Better Posts 08:42 Sponsor: Outsource Scale 09:52 The Content Pillar Strategy 10:28 Best Days and Times to Post 11:30 The 30% Reach Trick 12:49 Stop Using Hashtags? 14:35 The Newsletter Hack 15:36 Fix Your Profile 16:15 Final Advice Weekly strategies for scaling your payroll bureau (1,000+ leaders subscribed) → https://www.payrollinpodcast.com/

Can I Retire at 63 with $350,000?!?Can you really retire at 63 with $350,000 saved for retirement? In this retirement video, we break down the real numbers behind retirement income, Social Security, retirement healthcare costs, retirement withdrawals, and lifestyle expectations to see what's actually possible in retirement. **Schedule your free virtual consultation

Schedule a Free Financial Assessment with an experienced professional:https://bit.ly/YMYWassessCToday on Your Money, Your Wealth® podcast 590, Joe Anderson, CFP® and Big Al Clopine, CPA spitball for people with a small fortune sitting in pre-tax accounts turning into a tax bomb. We'll find out how Roth conversions and careful tax liability management can optimize their retirement income strategy. Eric in California is 72 with nearly four million dollars in pre-tax accounts. How much should he transfer in Roth conversions? Is borrowing against his own house to pay the tax bill brilliant or bonkers? Rick and Kiani hoping they can quit sooner than they think. Mike just hit full retirement age. Should he claim Social Security benefits now or wait until age 70? And finally, Jeff wants to walk away at 59 with a roadmap for aggressive Roth conversions, assuming the tax cliff doesn't get him first. Free Financial Resources in This Episode: https://bit.ly/ymyw-590 (full show notes & episode transcript)Retirement Accounts Guide - free download:https://purefinancial.com/white-papers/retirement-accounts-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-retirement-accounts-guide&utm_content=ymyw-pod-ep590-description-whitepaperFinancial Blueprint (free, self-guided):https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep590-description-blueprintRetirement Checklist: Check Off These 7 Things Before You Retire - YMYW TV: https://purefinancial.com/ymyw/episodes/retirement-checklist-check-off-these-7-things-before-you-retire/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep590-description-tv-s12e05REQUEST your Retirement Spitball Analysis:https://bit.ly/YMYWaskCDOWNLOAD more free guides:https://bit.ly/YMYWguidesCREAD financial blogs:https://bit.ly/YMYWblogCWATCH educational videos:https://bit.ly/YMYWvidsCSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWnewsletterCConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast01:01 - $3.9M Pre-Tax at 72: How Do We Minimize Taxes Before RMDs Hit? (Eric, CA)11:13 - We're on One Salary. Can We Retire at 62 With $1.7M and a $56K SS Benefit? (Rick & Kiani, Southern CA)23:16 - Just Hit Full Retirement Age. Should I Delay Social Security or Start Now? (Mike, 66, NV)31:04 - Retiring With $4M and a Roth Conversion Roadmap at Age 59. Does Our Plan Hold Up? (Jeff & Amber, 55, Orlando, FL)44:54 - Outro: Next Week on the YMYW Podcast

The birds don't gather into barns. The lilies don't spin their own clothing. Yet Jesus says both have something to teach us about trust. Financial fear often begins when we realize how much we cannot control. We can plan wisely, save diligently, and prepare carefully—but tomorrow still belongs to God. That's why Jesus' words in Matthew 6 offer such deep comfort for anxious hearts. When Worry Feels Heavy In Matthew 6, Jesus says, “Do not be anxious about your life, what you will eat or what you will drink, nor about your body, what you will put on.” Later, He adds, “Do not be anxious about tomorrow, for tomorrow will be anxious for itself.” For anyone who has struggled with financial fear, those words can feel heavy. You may think, I know I shouldn't worry—but I do. You worry about the bills. You worry about your job. You worry about the market, retirement, your children, or what happens if the car breaks down, the medical bill comes in, or the paycheck doesn't stretch far enough. And then, on top of the worry, you may feel guilty for worrying. But Jesus is not standing over anxious people simply saying, “Stop it.” Instead, He draws near and says, “Look.” Look at the Birds. Consider the Lilies. Jesus invites us to look at the birds of the air and the lilies of the field. He points us to a world that does not revolve around our control, our striving, our spreadsheets, or our ability to predict every outcome. “The birds of the air” do not sow or reap or gather into barns, and yet our heavenly Father feeds them. The lilies do not toil or spin, and yet not even Solomon in all his glory was clothed like one of them. Jesus is not saying planning is wrong. Scripture encourages wise preparation and faithful stewardship. But He is exposing the illusion that we are in control. Anxiety often grows in the gap between what we can manage and what we cannot guarantee. We can make a budget, but we cannot control tomorrow. We can save wisely, but we cannot control the economy. We can work faithfully, but we cannot control every outcome. And when we begin to believe everything depends on us, stewardship becomes a crushing burden. Planning turns into panic. Saving turns into hoarding. Responsibility turns into fear. Your Father Knows That's why Jesus tells us to look beyond ourselves. The birds are a sermon in the sky. The flowers are a testimony in the field. Creation itself is preaching the care of God. And Jesus' point is not merely “Don't worry.” His deeper point is this: Your Father knows. Your Father knows what you need. Your Father sees what burdens you. Your Father understands the bills, the uncertainty, the decisions, the pressure, and the fear that wakes you up at night. And if He feeds the birds—creatures that do not bear His image—how much more will He care for you, His beloved child? That does not mean every financial difficulty disappears. Jesus never promises a life without trouble. In fact, He says, “Sufficient for the day is its own trouble.” There are real burdens in this life. There are real needs. There are real moments of uncertainty. But Jesus invites us to face today's trouble with today's grace. Today's Trouble, Today's Grace “Do not be anxious about tomorrow” is not a cold command. It is a tender invitation. Jesus is reminding us that we do not have to live as though the future rests on our shoulders. We do not have to secure our own universe. We do not have to hold everything together. Our Father is already there. So what do we do with financial anxiety? We bring it honestly to God. We name the fears we are carrying. We ask for wisdom where action is needed. We seek wise counsel when decisions feel too heavy. And then, with open hands, we release what we cannot control. We do the next faithful thing today. Our Security Is in God As we do, we remember that our security is not ultimately in our income. It is not in our investments. It is not in our plans. It is not in our ability to foresee tomorrow. Our security is in God—the One who knows what we need, invites us to look at the sparrows, and gives us the grace to trust Him one day at a time. If financial fear and anxiety are weighing on your heart, we'd love to help you explore these truths more deeply through our 21-day devotional, Look at the Sparrows. You can order your copy at FaithFi.com/Shop. And if you'd like to go through it with your church or small group, bulk orders and bulk discounts are available there as well. On Today's Program, Rob Answers Listener Questions: I haven't filed my tax returns for a few years, and I want to make things right. I've heard about the IRS “Fresh Start” program. Should I work with a tax relief company, hire a CPA, or contact the IRS directly through my local office? My husband and I are in our mid-60s, and our business is winding down. We have roughly $900,000 to $1 million in real estate, including our home, business building, and another property, plus about $700,000 in stocks and bonds with an advisor. Is real estate considered aggressive or conservative in our overall portfolio? And at our age, how should our investments be allocated? I'm 64 and want to set up a trust to help my assets avoid probate. Should I place only titled assets, like my home, in the trust, or should investment accounts be included too? Could retitling investment accounts into a trust trigger taxes? I also owe about $115,000 on my home. One of my children would like to live there with his kids, and I'd like my grandchildren to have a home if something happens to me. Should the trust pay off the mortgage from my assets, or should I consider life insurance or mortgage protection to cover it? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Developers who receive low-income housing tax credits (LIHTCs) must incur at least 10% of the costs that are included in its reasonably expected basis by a specified date determined by federal and, often, state requirements in order to pass what is often called "the 10% test." On this week's episode of Tax Credit Tuesday's "So You Want to Be a LIHTC Developer" series, Michael Novogradac, CPA, and Karie McMillen, CPA, discuss the 10% test and how it came about. Novogradac and McMillen then dive into how the 10% test is calculated as a fraction, reviewing what makes up the denominator and what can potentially go into the numerator. They conclude by addressing some common challenges that developers face when it comes to meeting the 10% test.

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The most profitable agencies do more than deliver great work.  In this episode, Sharon Toerek, Owner and Founder of Legal+Creative | Toerek Law, shares how legal foundations, intellectual property, agency contracts, AI risk management, marketing compliance, data privacy, value-based pricing, agency profitability, and business growth work together to strengthen your agency. You'll learn why legal should be viewed as a profit generator, how agencies can manage AI-related risks, and what business owners need to do to protect and grow their firms in a rapidly changing market.Key takeaways:Legal foundation is a profit generator, not a cost center. Stop treating it as an expense.AI introduces new legal risks for agencies. Intellectual property ownership and data privacy require careful attention. Data privacy compliance is becoming more complex. Agencies must navigate varying state regulations. Contracts remain one of your most important business tools. Regular contract reviews help protect profitability.AI works best when paired with human expertise. Professional judgment still drives results.Learn how to turn legal strategy and smarter business decisions into a stronger, more profitable future. Tune in to the full episode of Legal Foundations That Actually Drive Agency Profit with Sharon Toerek.Find more podcast episodes on our website: anderscpa.com/learn/podcasts/  Episode resources:●       Anders Virtual CFO website: anderscpa.com  ●       Love our content? Sign up for our newsletter:  https://anderscpa.com/learn/    ●       Check out the Virtual CFO Playbook Course:  https://anderscpa.com/virtual-cfo-services/vcfo-playbook/     Quotes-Sharon Toerek: “Legal foundation for marketing service firms should be a profit generator, not a cost center.”-Jamie Nau: “The safest compliance strategy is often to follow the most conservative regulations.”-John C. Scott: “AI should handle repeatable tasks so professionals can focus on higher-value work.”Sharon Toerek is the Owner and Founder of Legal+Creative | Toerek Law, a law firm built exclusively for independent marketing and creative agencies. She specializes in intellectual property law, contract development and negotiation, marketing regulation compliance, and AI risk management for agency clients. Sharon is also the host of the Innovative Agency Podcast, a forward-looking resource for independent agency owners navigating innovation, business model evolution, and the future of the industry.Website: https://legalandcreative.com/ LI: https://www.linkedin.com/in/sharontoerek/?isSelfProfile=false  https://www.linkedin.com/company/legal-creative/  The Creative Agency Success Show helps service-based business owners master the financial side of growth. Hosted by Jamie Nau, Director of Virtual CFO Services/ Virtual CFO, and Jody Grunden, Partner and Virtual CFO Practice Leader at Anders, the podcast dives into essential financial strategies for scaling creative agencies.  Website: https://www.buzzsprout.com/2458889    FB: https://www.facebook.com/vcfobyanders    LI: https://www.linkedin.com/company/vcfobyanders/   IG: https://www.instagram.com/vcfobyanders    YT: https://www.youtube.com/@vcfobyanders     Jamie Nau, CPA, Director of Virtual CFO Services/ Virtual CFO, is a seasoned financial expert with a deep understanding of business growth stages.  Jamie has worked extensively with middle-market and large companies, providing key financial insights.  Website: https://anderscpa.com/     FB: https://www.facebook.com/vcfobyanders  LI: https://www.linkedin.com/in/jamienau/  https://www.linkedin.com/company/vcfobyanders/  IG: https://www.instagram.com/vcfobyanders/  YT: https://www.youtube.com/@vcfobyanders  John C. Scott, CPA, AEP, is a Partner in Tax and a leader in legal industry financial strategy by Anders. He helps law firms win high-stakes cases with smart strategy by delivering clear financial insights, identifying key performance indicators, and strengthening decision-making at every level. With deep expertise in estate planning and financial analysis, John works closely with attorneys and firm leaders to align financial goals with long-term business success and case readiness. His approach brings scalability, flexibility, and data-driven clarity to complex legal environments, helping firms stay focused, prepared, and competitive.Connect with John C. Scott:LI: https://www.linkedin.com/in/john-c-scott-cpa/ X: https://x.com/JohnScottCPA

Think a luxury SUV is always a bad financial decision? Think again. In this episode, Tiffany Phillips, CPA, explains how the IRS heavy vehicle rules can dramatically reduce the real cost of certain business vehicles. You'll learn how the 6,000-pound rule works, when Section 179 and bonus depreciation apply, how business use affects your deduction, and why buying the "cheaper" SUV can sometimes cost you more. Tiffany also covers financing, leasing vs. buying, documentation, depreciation recapture, and common mistakes that can reduce your tax savings. If you're a business owner planning to purchase a vehicle, these tax strategies could save you thousands while helping you make smarter business finance decisions. Listen now before you sign your next vehicle purchase. You could keep far more of your money. Next Steps:

Hiring your next employee might be the best decision you ever make... or one of the most expensive mistakes. In this episode, we break down the two questions every business owner needs to answer before adding another person to the team: Do you truly need the help? Can your business actually afford it? We discuss why hiring won't fix an unprofitable business, how to know when your current team is being underutilized, and why adding another employee often masks training, leadership, or process problems. We also cover the difference between employees and subcontractors, when outsourcing makes more sense than hiring, and how every new hire should help create more sales, more profit, or free you up to work on growing the business. If you're thinking about making your first hire or adding to your team, this episode will help you make that decision with confidence.

Susan Guthrie turns to a subject that keeps more people up at night than almost any other one in divorce: money. Specifically, how to protect it, and how to stop spending it in the wrong places. Heather Locus is a CPA, certified financial planner, and certified divorce financial analyst with a rare gift for taking the most complicated financial pieces of divorce and making them feel manageable. In this episode, Heather shares her top strategies for saving money in your divorce, from the common mistakes that quietly drain your settlement to the smart moves that keep more of your hard-earned dollars where they belong, with you. Together, Susan and Heather walk through her five ways to save money in a divorce, from getting organized early and assembling the right support team, to keeping business and emotion separate, to using her Settle Smart projections to see the road ahead. As Heather points out, these are critical points whether you have millions in the bank or are living paycheck to paycheck. What You'll Learn Why something as simple as setting up a separate email for divorce communications can save real time, money, and stress What discernment counseling is, and how pausing to consider it can save money in your divorce negotiations, even if you still end up divorcing Why having laser focused priorities, for yourself and for your spouse, is the key to smart negotiating How to assemble the right support team, and when mediation, collaborative divorce, or traditional litigation is the better fit Why remembering "it's business" helps you make financial decisions instead of emotional ones What Settle Smart is, and how modeling your financial future helps you know what to accept, and what's worth continuing to negotiate for Episode 3 of 8 in the Divorce & Beyond Summer Essentials Series. This summer, Divorce & Beyond brings back 8 the episodes listeners reach for most, the conversations with the clearest, most practical guidance for anyone thinking about, going through, or rebuilding after divorce. New Essentials air every other Monday all summer. Follow the show so you never miss one.  About this week's special guest: Heather Locus Heather founded the National Divorce Practice Group at BDF Private Wealth to help divorcing individuals consciously navigate their divorce's emotional and business aspects. From hiring the right fit attorney through their SettleSmart™ analysis, then implementing the divorce decree and auditing it annually, Heather ensures you have the resources you need to start your next chapter on a firm footing. Heather founded our Women's Service Team in 2006 to help female executives and business owners, widows, and women transitioning through divorce. After going through her own divorce in 2011, she realized how much more we could do to support divorcing women and men with a practice dedicated to serving their unique needs. Heather is driven by deep empathy to help divorcing individuals have clarity and confidence in finalizing their divorce. A Forbes “America's Top Women Advisor,” Heather is a nine-time “Five Star Wealth Manager” according to Chicago magazine, was named an “Influential Women in Business” by The Business Ledger, a “Top 200 Wealth Advisor Mom” by Working Mother, and an InvestmentNews “Woman to Watch.” Heather is an author of two books on divorce and has contributed to leading publications, including The Wall Street Journal, Crain's Chicago Business, Family Lawyer Magazine, and Divorce Magazine on multiple topics. She is a CPA, CFP® practitioner, and a Certified Divorce Financial Analyst (CDFA®) professional and has completed intensive executive coaching and divorce mediation training. Heather loves learning from her teenage son and daughter and working with organizations she is passionate about, including After School Matters, The Lilac Tree, Between Friends, and Make-A-Wish Foundation. For more information on Heather: Call/Text Heather at 312-312-2144 or email hlocus@bdfllc.com if you or a friend are contemplating or in the middle of a divorce. Financial Issues in Divorce: A Client Handbook: Heather's latest book written for the American Academy of Matrimonial Attorneys. Listen to Heather's prior episode of Divorce & Beyond:   Negotiating Your Financial Future: Key Factors to Consider with Leading Divorce Financial Professional, Heather Locus" on The Divorce & Beyond Podcast with Susan Guthrie, Esq. #114 If This Episode Helped You Follow Divorce & Beyond so you never miss an episode. Share it with someone who needs clear, reliable guidance right now. And if you have a moment, a five-star review makes a real difference in helping the show reach the people who need it most. Follow Divorce & Beyond Website: divorceandbeyondpod.com Instagram: instagram.com/divorceandbeyondpod About the Host: Susan Guthrie, Esq. Susan Guthrie is one of the nation's leading family law and mediation attorneys, with more than 35 years of experience helping people navigate divorce with clarity and strategy. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker and trainer. Susan recently appeared as the featured expert on The Oprah Podcast and has been cited in The Wall Street Journal, Forbes, Town & Country, The Washington Post, NewsNation, and NBC Chicago Today, among others. As the creator and host of Divorce & Beyond, ranked in the top 1% of all podcasts worldwide with more than 1.3 million downloads and an Apple Top 100 Self-Help designation, Susan brings together leading legal and mental health experts to help listeners move through divorce and into what comes next. Learn more at divorceandbeyondpod.com/about.   Disclaimer: The commentary and opinions shared on this podcast are for informational and entertainment purposes only and do not constitute legal advice. Consult a licensed attorney in your state regarding your specific situation.  

In this episode, Steven Jarvis, CPA, is joined by Stephen Delaney, Senior Client Success Consultant at Belay, to discuss one of the biggest challenges advisors face: finding the right people to help execute their vision. Rather than focusing on tax strategies, this conversation dives into how advisors can reclaim their time through effective delegation and hiring. Stephen shares how Belay vets thousands of applicants to match clients with highly qualified Executive Assistants and Client Services Assistants. The discussion explores why hiring is a skill that improves with experience, the importance of systems and processes, and how delegation creates more time to serve clients. Whether you're hesitant to hire your first assistant or looking to improve your hiring process, this episode provides practical insights to help you take action. https://zurl.co/N1OwP

Roger and Annie preview Roger's upcoming NATP presentation, using ERC and the Kwong case as case studies for how firms can turn disruptive tax changes into revenue rather than just extra work. They walk through the mistakes made during ERC (delayed action, existing-clients-only focus, missed growth opportunity), the closing window on Kwong refund claims, and what firms need in place internally and externally to capitalize on the next unexpected change. The conversation closes with a candid take on AI's role in reshaping the profession, and why proactive communication, not tax return production, is where firms will keep their value.SponsorsPadgett -  Contact Padgett or Email Jeff PhillipsGet NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CE for listening to this episode.Chapters(00:00) - Welcome Back Annie (00:50) - Previewing The Conference Talk (02:46) - Clients Want Advisory (08:09) - AI And The Future (10:03) - ERC Lessons Learned (15:16) - Tools For Fast Changes (17:29) - Marketing Beyond Clients (26:05) - OBBA And Data Mining (31:14) - Invest in Tech Stack (32:16) - OBB Client Communication (34:58) - Kwong Case Refund Window (39:29) - Data Mining and Online Accounts (41:45) - Communicate Even If Referring (46:18) - From Awareness to Action Plan (48:08) - AI as Drafting Assistant (49:39) - Future of Advisory Work (53:18) - AI Judgment and Pricing (58:08) - Wrap Up and Next Updates Follow the Federal Tax Updates Podcast on Social Mediatwitter.com/FedTaxPodfacebook.com/FedTaxPodlinkedin.com/showcase/fedtaxpodConnect with the Hosts on LinkedInRoger HarrisAnnie SchwabReviewLeave a review on Apple Podcasts or PodchaserSubscribeSubscribe to the Federal Tax Updates podcast in your favorite podcast app!This podcast is a production of Earmark MediaThe full transcript for this episode is available by clicking on the Transcript tab at the top of this pageAll content from this podcast by SmallBizPros, Inc. DBA PADGETT BUSINESS SERVICES is intended for informational purposes only.

Send us Fan MailDivorce can leave you holding a stack of statements and a knot in your stomach, wondering what you actually own, what it means, and whether retirement is still possible. We sit down with Jesse Hurst, a CPA and Chartered Financial Analyst, to talk through the real-world money decisions that hit right after a divorce and how to replace fear with a plan you can live with. Jesse's twist is simple and surprisingly effective: use pop culture, music, and familiar stories to make complicated financial concepts stick, so you're not just being “told” what to do, you understand it. We dig into why people often feel frozen after a major loss, and how to restart with small steps: take an inventory, clarify what matters most to you, and map out the levers that actually drive outcomes. That includes cash flow planning after spousal support ends, deciding when to claim Social Security, and turning a collection of accounts like a 401(k), IRA, brokerage account, CDs, and home equity into a coordinated retirement strategy with an age-appropriate risk profile. We also get concrete about taxes and planning traps. Jesse explains why divorce can come with cost basis headaches that don't exist after a spouse's death, and why filing status changes can feel like a penalty when someone becomes a widow or widower. If real estate is part of the picture, we talk about rental property cash flow, concentration risk, and when selling a non-producing property can improve liquidity and diversification. If you're rebuilding after divorce and want a calmer, clearer way to think about retirement planning and financial independence, hit play. Subscribe to Modern Family Matters, share this with someone who needs it, and leave a review so more families can find real guidance.If you would like to speak with one of our attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.To learn more about Jesse and how he can help you, you can visit his website at: https://www.impelwealth.com/Disclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.