POPULARITY
Categories
284 episodes with Liability
58 episodes with Liability
55 episodes with Liability
42 episodes with Liability
27 episodes with Liability
26 episodes with Liability
41 episodes with Liability
86 episodes with Liability
19 episodes with Liability
19 episodes with Liability
16 episodes with Liability
11 episodes with Liability
30 episodes with Liability
19 episodes with Liability
12 episodes with Liability
35 episodes with Liability
9 episodes with Liability
14 episodes with Liability
10 episodes with Liability
16 episodes with Liability
11 episodes with Liability
13 episodes with Liability
7 episodes with Liability
5 episodes with Liability
21 episodes with Liability
6 episodes with Liability
8 episodes with Liability
12 episodes with Liability
11 episodes with Liability
5 episodes with Liability
7 episodes with Liability
8 episodes with Liability
10 episodes with Liability
12 episodes with Liability
8 episodes with Liability
10 episodes with Liability
9 episodes with Liability
8 episodes with Liability
7 episodes with Liability
8 episodes with Liability
10 episodes with Liability
7 episodes with Liability
6 episodes with Liability
16 episodes with Liability
7 episodes with Liability
17 episodes with Liability
8 episodes with Liability
8 episodes with Liability
8 episodes with Liability
3 episodes with Liability
8 episodes with Liability
8 episodes with Liability
8 episodes with Liability
8 episodes with Liability
7 episodes with Liability
5 episodes with Liability
6 episodes with Liability
8 episodes with Liability
6 episodes with Liability
11 episodes with Liability
10 episodes with Liability
5 episodes with Liability
5 episodes with Liability
7 episodes with Liability
7 episodes with Liability
6 episodes with Liability
3 episodes with Liability
5 episodes with Liability
6 episodes with Liability
6 episodes with Liability
3 episodes with Liability
4 episodes with Liability
5 episodes with Liability
4 episodes with Liability
6 episodes with Liability
3 episodes with Liability
5 episodes with Liability
3 episodes with Liability
6 episodes with Liability
5 episodes with Liability
4 episodes with Liability
12 episodes with Liability
2 episodes with Liability
4 episodes with Liability
9 episodes with Liability
9 episodes with Liability
4 episodes with Liability
8 episodes with Liability
4 episodes with Liability
7 episodes with Liability
3 episodes with Liability
3 episodes with Liability
8 episodes with Liability
4 episodes with Liability
4 episodes with Liability
5 episodes with Liability
2 episodes with Liability
4 episodes with Liability
5 episodes with Liability
6 episodes with Liability
2 episodes with Liability
3 episodes with Liability
4 episodes with Liability
10 episodes with Liability
5 episodes with Liability
3 episodes with Liability
4 episodes with Liability
4 episodes with Liability
5 episodes with Liability
6 episodes with Liability
3 episodes with Liability
3 episodes with Liability
2 episodes with Liability
3 episodes with Liability
7 episodes with Liability
4 episodes with Liability
3 episodes with Liability
3 episodes with Liability
4 episodes with Liability
4 episodes with Liability
4 episodes with Liability
3 episodes with Liability
2 episodes with Liability
3 episodes with Liability
5 episodes with Liability
3 episodes with Liability
4 episodes with Liability
20 episodes with Liability
3 episodes with Liability
3 episodes with Liability
5 episodes with Liability
4 episodes with Liability
3 episodes with Liability
4 episodes with Liability
3 episodes with Liability
3 episodes with Liability
4 episodes with Liability
2 episodes with Liability
10 episodes with Liability
3 episodes with Liability
3 episodes with Liability
3 episodes with Liability
2 episodes with Liability
2 episodes with Liability
2 episodes with Liability
3 episodes with Liability
5 episodes with Liability
3 episodes with Liability
7 episodes with Liability
2 episodes with Liability
8 episodes with Liability
3 episodes with Liability
2 episodes with Liability
17 episodes with Liability
3 episodes with Liability
3 episodes with Liability
5 episodes with Liability
3 episodes with Liability
2 episodes with Liability
7 episodes with Liability
3 episodes with Liability
4 episodes with Liability
4 episodes with Liability
4 episodes with Liability
6 episodes with Liability
3 episodes with Liability
3 episodes with Liability
3 episodes with Liability
3 episodes with Liability
3 episodes with Liability
6 episodes with Liability
Are Midwest reefer lanes really more stable than the headlines say, and where are the real profit opportunities hiding right now? In this episode, we break down the following topics: Why long-term freight market stability still exists in key Midwest reefer lanes Why predictable, Monday-through-Thursday lane pricing beats chasing volatile spot spikes and regional freight lanes are outperforming national averages How accepting short-term losses can build long-term carrier and customer trust The new FMCSA broker bond rule requiring a $75,000 bond with a strict seven-day compliance window and its impact on carrier protection, double brokering, and freight fraud What the C.H. Robinson Supreme Court broker liability case could mean for broker risk, federal preemption, and future litigation Links for the Articles: https://www.overdriveonline.com/regulations/article/15814887/fmcsa-rule-cracking-down-on-brokers-takes-effect?utm_term=VersionB&utm_medium=email&utm_content=01-16-2026&utm_campaign=OV_NL_Overdrive+Daily&utm_source=OV_NL_Overdrive+Daily&ust_id=54d6706648435fb9e1036ef191e8654ced2027fa https://www.freightwaves.com/news/c-h-robinson-makes-its-legal-written-case-before-scotus-on-broker-liability
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Running an agency today looks nothing like it did even a few years ago. What used to work: SEO-driven inbound leads, tight vertical niches, and predictable platforms, has shifted fast. Today's featured guest has learned to adapt to these changes and went from having a clear and defined niche to letting clients' needs guide the next steps for her business. She'll talk about navigating those changes, evolving your positioning, and deciding whether you're actually willing to do what adaptation requires. Laryssa Wirstiuk is the owner of Joy Joya, a boutique email and SMS marketing agency that serves women-focused, product-based e-commerce brands. With more than 15 years in marketing and over a decade running her own agency, Laryssa has lived through multiple shifts in platforms, buyer behavior, and agency models. Her background as a marketing generalist, working across SEO, social, and email, gave her the flexibility to adapt as the market changed. That adaptability, combined with a strong point of view on branding, inbound marketing, and outbound growth, made her a great guest for agency owners questioning what's next for their own businesses. In this episode, we'll discuss: Starting out with a clear niche and evolving along the way. Adopting a hybrid growth strategy. Personal brand vs. clear offers. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. How to Choose a Niche Without Getting Stuck In It Laryssa didn't stumble into her original niche by accident. After working across industries like tech, education, and healthcare, she realized none of them truly excited her. Jewelry stood out because of its mix of fashion, storytelling, and creativity. Rather than guessing, she intentionally took in-house and freelance roles in the jewelry industry to build credibility before going all in. That vertical focus paid off. By committing to a specific industry, Laryssa was able to build a strong referral network, speak at trade shows, and create highly targeted content that drove inbound leads. But after nine years in the jewelry space, she noticed that the biggest results she delivered for clients consistently came from email marketing. What started as one service among many became the clear driver of ROI. The shift from a vertical niche (jewelry) to a horizontal specialization (email and SMS marketing) wasn't a sudden pivot. It was a response to real performance data. Stronger results, clearer processes, and deeper expertise made the decision feel natural. Your niche should serve your strengths, not trap you in yesterday's model. Why Inbound Alone Is No Longer Enough For most of Joy Joya's history, inbound marketing did the heavy lifting. Content, SEO, YouTube, and a podcast tailored to the jewelry industry created steady deal flow without much outbound effort. That's one of the biggest benefits of vertical focus: you can dominate a small pond with the right content and relationships. But the market shifted. Search behavior changed. Social algorithms changed and AI entered the picture. Laryssa realized that relying solely on inbound was no longer enough. Over the past year or two, she intentionally started building outbound muscles: cold email, cold calling, LinkedIn outreach, and systems that allowed her team to support those efforts. The key insight here isn't that inbound is dead, it's that inbound alone is risky. Agencies that survived and grew were willing to adapt their acquisition mix, even when it meant doing uncomfortable things. The Hard Question Every Agency Owner Faces Adapting isn't just about strategy. You should also ask yourself whether you want to do what's required next. New platforms, new sales motions, and new expectations can trigger an existential crisis for long-time owners. You don't have to love every part of running an agency, but you do need the discipline to face the things you'd rather avoid. The solution isn't grinding forever but rather identifying what you don't enjoy, systemizing it, delegating it, or removing it altogether. Agency owners should get comfortable with change as a necessary part of running an agency. The hard part is that change often targets the things you already tolerate but don't love. That's why many agencies stall. The owners don't hate their situation enough to change it but they don't love it enough to stay fully committed either. When Personal Brand Creates Attention But Not Conversions As AI and recommendation engines influence buying decisions, developing a personal brand becomes vital when it comes to being recommended by these tools. People want to work with leaders whose beliefs, values, and perspectives they understand. That's why podcasts, long-form content, and consistent points of view matter more than ever. In her case, Laryssa shared an unexpected challenge after developing her personal brand. She had built such a strong personal and brand identity that many people understood her perspective but didn't fully understand what her agency actually did. In some cases, prospects were more familiar with the brand name than the services behind it. The lesson for agency owners is balance. Thought leadership without clear offers creates attention without conversion. As platforms evolve, it's not enough to educate—you need to connect that education to the right services, for the right audience, at the right time. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
The discussion centers on the rapidly evolving landscape of AI adoption within businesses, highlighting a significant gap between individual user experimentation and formal organizational strategies. While employees across various departments are actively using AI tools for productivity gains, many executive leaders remain hesitant to formally adopt or fund these technologies due to concerns about governance and risk. This creates a "skunk works" environment where individual adoption outpaces official oversight, leading to a potential shadow IT problem for organizations. For MSPs, this presents an opportunity to offer AI governance and risk assessment services, helping clients navigate the complexities of safe and effective AI integration.The episode underscores the compressed adoption cycle of AI compared to previous technology waves like cloud and cybersecurity. While those technologies took years to move from early adopters to mainstream paid engagements, AI has accelerated this process into months. However, this rapid adoption has also exposed new pitfalls, particularly concerning the unknown risks of AI, such as intellectual property disclosure or compliance breaches. The conversation emphasizes that the focus for businesses is shifting from the capabilities of AI to the potential consequences of its misuse, making risk assessment a critical concern for IT service providers looking to guide their clients.A significant portion of the discussion addresses the growing concerns around delegated responsibility and the potential for autonomous systems to make decisions without human oversight. As AI-driven automation expands, the liability for errors or unintended consequences will increasingly fall on IT service providers who implement these systems, rather than solely on the software vendors. This is expected to lead to a "contract lag" as existing agreements fail to account for new AI-related liabilities, prompting a need for updated contractual language and risk allocation frameworks. MSPs will need to proactively address these emerging liabilities to build trust and secure new business in the AI-driven IT services market.The episode concludes by examining the dichotomy between highly technical users who approach AI with incremental caution within existing compliance frameworks, and business users who are adopting AI more rapidly, sometimes without fully considering regulatory or security implications. This necessitates tailored governance strategies for different user groups. For MSPs, the immediate opportunity lies in offering risk assessment and advisory services to help organizations understand their AI exposure. Furthermore, the industry faces a crucial challenge in evolving from rigid standardization to adaptable service models that can accommodate the unique risks and opportunities presented by AI, ultimately determining relevance and avoiding obsolescence in the rapidly changing tech landscape.
BachelorClues breaks down The Traitors Season 4, Episode 4 as strategy, confidence, and bad math collide in one of the messiest games yet. With Faithfuls taking big swings based on vibes instead of evidence, alliances forming and fracturing mid-episode, and a Roundtable defined by overconfidence and emotional gameplay, this hour becomes a case study in how quickly control can slip away. Plus: questionable mission reads, dangerous theories, and a growing sense that the Traitors may be letting the Faithful do the work for them.
Thinking about forming an LLC in 2026? In this episode, Mike breaks down how to set up an LLC step by step, what “free” really means, state filing costs, common mistakes to avoid, and why an LLC can act as an insurance policy for future S Corp tax savings. Perfect for new and growing business owners who want clarity without the confusion.If you want a clean, simple business setup that protects you now and gives you flexibility later, this episode gives you the roadmap without the legal confusion.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training If AI can now write, design, and build faster than your team, what does a profitable agency actually sell next? Most agency owners have experienced a weird mix of excitement and anxiety about AI. On the surface, it feels like everything is changing overnight, including websites, content, search, development, and even how clients perceive value. Underneath that panic, though, there's a calmer truth: the fundamentals of running a great agency haven't changed at all. The tools have. Today's featured guest talks candidly about where AI actually helps agencies, where it's wildly overhyped, and why agency owners who focus on systems, relationships, and leverage will win while everyone else burns out chasing shiny tools. Eric Weidner is the founder of Workbox, a digital agency specializing in websites and custom applications for pharmaceutical companies and pharma marketing agencies. With a background that stretches back to the early days of the web, Eric has built, rebuilt, and adapted his agency multiple times, and today he's deep in the practical application of AI for real agency work, not just demos and hype. In this episode, we'll discuss: How agencies are positioned to win with AI. Avoid creating client disappointment with incorrect use of AI. The brutal reality for agencies that rely on "set it and forget it" marketing. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. The Road to Becoming a Long-Term Agency Operator Eric fell into web development in the mid-90s while working as a secretary administrator at a law firm in San Francisco. Exposure to early tech including computer networks, WordPerfect, XML, and eventually HTML turned into freelance work. That freelance work led to clients and eventually an agency. His story mirrors how most agencies actually begin, with skill, opportunity, and momentum. The problem is that what gets you started is rarely what helps you scale. Eric's longevity comes from his willingness to evolve without abandoning the fundamentals that keep agencies profitable. And that's the trap many agency owners fall into today: assuming AI is a complete reset instead of a force multiplier for the right business model. Why AI Feels Like a Career Defining Moment for Agencies When ChatGPT first came out, Eric didn't treat it like a novelty. He went all in because, for the first time in years, the intellectual challenge of building and running an agency felt exciting again. For a lot of seasoned agency owners, the business had become… static. Same services. Same delivery challenges. Same team bottlenecks. AI cracked that open. Suddenly, there were new problems to solve, new efficiencies to unlock, and new ways to multiply output without multiplying headcount. Ai introduced a chance to rethink how work gets done, how fast ideas move, and how agencies create leverage, not just more work. Eric has no blind optimism when it comes to AI. It isn't magic, and it's not ready to replace strategic thinking. But it is a force multiplier for agencies that understand systems. That's the opportunity most agencies are missing. Instead of asking, "How do we sell AI to clients?" the smarter question is: "How do we use AI to reduce friction, speed up delivery, and improve results—then package that advantage?" Agencies that do this become faster, leaner, and more profitable. Agencies that don't end up stuck in fulfillment, competing on price, and drowning in tools they don't fully understand. AI Is Powerful But It Still Needs a Human Brain AI tools can feel like a superpower, especially if you've never loved certain parts of your job. Writing, development, ideation, and prototyping are faster than ever. But there's a catch. AI works best at the first pass. Ask it to build a landing page, mock up a system, or outline functionality, and it shines. Ask it to make nuanced, detailed changes across a complex system, and it starts to fall apart. In a sense, AI is like a drunk intern—brilliant on the first assignment, frustrating when you ask for revisions. For agency owners, this matters because selling AI as a silver bullet is a fast way to create client disappointment. The agencies that win will be the ones who understand where AI increases leverage and where human judgment still matters. Websites, Search, and the Shift Nobody's Talking About One of the most important things to understand if you're building a website nowadays is that we're not building websites just for humans anymore. As AI-driven search becomes more dominant, users don't always need to click through to a site to get answers. That changes how content, SEO, and authority work. Eric points to GEO—Generative Engine Optimization—as the next evolution of SEO, where freshness, clarity, and structured authority matter more than volume. This creates a brutal reality for agencies that rely on "set it and forget it" marketing. To stay visible, brands must publish consistently. Content often needs to be less than 90 days old to stay relevant in AI-driven systems. For agency owners already stuck in fulfillment, this is a warning sign. More services, more content, more tools without better systems just equals faster burnout. Content Alone Isn't Enough. Your Voice Builds Trust With AI flooding the internet with content, differentiation matters more—not less. People don't just consume content, they build relationships with voices they trust. That's why podcasts, communities, and consistent thought leadership outperform random marketing tactics. When people hear you think out loud for years, trust compounds. In an AI-saturated world, that human connection becomes the advantage. Or as Jason puts it: when agency owners say they need more leads, the answer is often boring but effective. Build a platform. Build trust. Stay visible. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
One on One Video Call W/George https://tidycal.com/georgepmonty/60-minute-meetingSupport the show:https://www.paypal.me/Truelifepodcast?locale.x=en_USKeywordsbeauty, health, SOD, immune system, dermatology, Francois Vix, beauty industry, skincare, natural products, holistic healthSummaryIn this enlightening conversation, George and Francois Vix delve into the intricate relationship between beauty, health, and the immune system. Francois shares his extensive experience in the beauty industry, emphasizing that true beauty transcends mere decoration and is deeply rooted in health and well-being. The discussion highlights the significance of superoxide dismutase (SOD) as a critical enzyme that plays a vital role in maintaining cellular health and beauty. They explore various applications of SOD, from dermatology to athletic performance, and address the importance of a holistic approach to beauty that combines science with human experience.TakeawaysBeauty is not just decoration; it's a negotiation with time.Health is more important than beauty, as true beauty stems from health.SOD (superoxide dismutase) is a critical enzyme for cellular health.The immune system plays a foundational role in achieving beauty.Beauty is a reflection of a life well lived, not just physical appearance.SOD can help with various health issues, including skin conditions and athletic recovery.Combination therapy, including nutraceuticals and topical treatments, is essential for optimal results.Generosity and love are among the most beautiful aspects of life.The mirror reflects honesty, prompting self-reflection and growth.Clinical trials and scientific research are crucial for validating health products. TitlesThe Essence of Beauty: A Deeper ConversationFrancois Vix: A Journey Through the Beauty IndustrySound bites"Beauty is biology in motion.""SOD is the enzyme of life.""We can help with recovery."Chapters00:00 The Essence of Beauty: A Negotiation with Time02:28 Francois Vix: A Journey Through the Beauty Industry10:22 Beauty Beyond Decoration: Health and Radiance14:31 The Science of SOD: A Breakthrough in Beauty and Health38:17 The Immune System: The Foundation of True Beauty45:31 Vitiligo and Melasma: The Duality of Skin Conditions52:24 The Impact of Vitiligo on Life and Identity53:42 Combining Ingredients for Optimal Skin Health55:35 The Role of SOD in Dermatology and Aesthetic Treatments57:12 SOD and Its Potential in Cancer Treatment01:01:17 Reconstructive Surgery and Recovery Enhancements01:06:30 SOD in Sports Medicine and Athletic Recovery01:09:42 The Focus on Dermatology and Aesthetic Medicine01:11:00 Philosophical Perspectives on Aging and Beauty01:17:40 The Changing Landscape of Beauty in the Digital Age01:19:35 The Importance of Patience in Nutraceuticals01:20:19 Oral vs. Topical Products in Beauty01:21:18 Ethics in the Beauty Industry01:24:29 The Intersection of Science and Human Experience01:27:45 Finding Beauty Beyond Appearancehttps://www.glisodin.com/ One on One Video call W/George https://tidycal.com/georgepmonty/60-minute-meetingSupport the show:https://www.paypal.me/Truelifepodcast?locale.x=en_US
The ABMP Podcast | Speaking With the Massage & Bodywork Profession
Does more experience always lead to better outcomes? In this episode of The ABMP Podcast, Doug Nelson explores both sides of the experience debate—when years in practice enhance clinical insight, and when they can quietly become a limitation. Doug also digs into the concept of therapeutic drift, how habits form over time, and why even well-intentioned clinicians can stray from best practices. Host: Douglas Nelson is Board Certified in Massage Therapy and Therapeutic Bodywork, beginning his career in massage therapy in 1977. Seeing over 1,200 client visits annually for decades, he is also the owner of BodyWork Associates, a massage therapy clinic in Champaign, IL. with 21 therapists that was established in 1982. He is the founder of NMT MidWest, Inc., providing training in Precision Neuromuscular Therapy™ across the USA. He has personally taught more than 13,000 hours of continuing education and is the author of three books. Doug is a past president of the Massage Therapy Foundation. Sponsors: Anatomy Trains is a global leader in online anatomy education and also provides in-classroom certification programs for structural integration in the US, Canada, Australia, Europe, Japan, and China, as well as fresh-tissue cadaver dissection labs and weekend courses. The work of Anatomy Trains originated with founder Tom Myers, who mapped the human body into 13 myofascial meridians in his original book, currently in its fourth edition and translated into 12 languages. The principles of Anatomy Trains are used by osteopaths, physical therapists, bodyworkers, massage therapists, personal trainers, yoga, Pilates, Gyrotonics, and other body-minded manual therapists and movement professionals. Anatomy Trains inspires these practitioners to work with holistic anatomy in treating system-wide patterns to provide improved client outcomes in terms of structure and function. Website: anatomytrains.com Email: info@anatomytrains.com Facebook: facebook.com/AnatomyTrains Instagram: www.instagram.com/anatomytrainsofficial YouTube: https://www.youtube.com/channel/UC2g6TOEFrX4b-CigknssKHA Precision Neuromuscular Therapy seminars (www.pnmt.org) have been teaching high-quality seminars for more than 20 years. Doug Nelson and the PNMT teaching staff help you to practice with the confidence and creativity that comes from deep understanding, rather than the adherence to one treatment approach or technique. Find our seminar schedule at pnmt.org/seminar-schedule with over 60 weekends of seminars across the country. Or meet us online in the PNMT Portal, our online gateway with access to over 500 videos, 37 NCBTMB CEs, our Discovery Series webinars, one-on-one mentoring, and much, much more! All for the low yearly cost of $167.50. Learn more at pnmt.thinkific.com/courses/pnmtportal! Follow us on social media: @precisionnmt on Instagram or at Precision Neuromuscular Therapy Seminars on Facebook.
TODAY ON THE ROBERT SCOTT BELL SHOW: Revolutionary Resolve Rising, Vaccine Liability Shift, Pro-Parent CDC Policy, Tellurium Metallicum, Merit Over Credentials, Weight Regain Reality, Drug Faith Fading, Fluoride Labels Changed, Hidden Household Toxins and MORE! https://robertscottbell.com/revolutionary-resolve-rising-vaccine-liability-shift-pro-parent-cdc-policy-tellurium-metallicum-merit-over-credentials-weight-regain-reality-drug-faith-fading-fluoride-labels-changed-hidden-ho/https://boxcast.tv/view/revolutionary-resolve-rising-vaccine-liability-shift-pro-parent-cdc-policy-merit-over-credentials---the-rsb-show-1-12-26-y1mnmq0rcn06hrgrovfl Purpose and Character The use of copyrighted material on the website is for non-commercial, educational purposes, and is intended to provide benefit to the public through information, critique, teaching, scholarship, or research. Nature of Copyrighted Material Weensure that the copyrighted material used is for supplementary and illustrative purposes and that it contributes significantly to the user's understanding of the content in a non-detrimental way to the commercial value of the original content. Amount and Substantiality Our website uses only the necessary amount of copyrighted material to achieve the intended purpose and does not substitute for the original market of the copyrighted works. Effect on Market Value The use of copyrighted material on our website does not in any way diminish or affect the market value of the original work. We believe that our use constitutes a 'fair use' of any such copyrighted material as provided for in section 107 of the U.S. Copyright Law. If you believe that any content on the website violates your copyright, please contact us providing the necessary information, and we will take appropriate action to address your concern.
While meticulousness may have earned you early success, it eventually becomes a liability that fuels anxiety and drains your energy.In this episode, Gary Miles addresses the cost of the perfectionism that many attorneys rely on to build their careers. He breaks down the critical distinction between excellence, which stems from competence, and perfectionism, which is rooted in fear and the need to manage uncertainty. Learn a practical five-step framework to transition from being a perfectionist to a powerful practitioner who operates with confidence. Plus, three immediate practices to help you set strategic standards and stop the cycle of endless document revisions. Get the Values Alignment Guide https://upbeat-trailblazer-9238.kit.com/1604bbf4cbTake the Free Lawyer Assessment garymiles.net/the-free-lawyer-assessment Learn more about Breaking Free or order your copy https://www.garymiles.net/break-freeSchedule a complimentary discovery call: https://calendly.com/garymiles-successcoach/one-one-discovery-call Watch this episode on YouTube: https://www.youtube.com/channel/UCqcfaTWo17uxmYS9hfAdiaQ
Check out host Bidemi Ologunde's new show: The Work Ethic Podcast, available on Spotify and Apple Podcasts.In this episode, host Bidemi Ologunde unpacks OpenAI's newly released ChatGPT Health and what it signals about the future of consumer-facing healthcare AI. What exactly is "ChatGPT Health," and why is OpenAI moving from general chat to a dedicated health experience? When an AI gives the wrong answer in a high-stakes setting—medical advice, airline refunds, legal citations—who owns the liability: the user, the company deploying the chatbot, or the model-maker? How are regulators in the U.S., Europe, and beyond approaching AI in healthcare—and what counts as "wellness" versus "medical" software? Bidemi also explores the realities of AI error, hallucinations, and bias, and asks what these tools could mean for underserved and minority populations worldwide— including Native Americans, Pacific Islanders, and communities in low-resource health systems.Email: bidemiologunde@gmail.comSupport for The Bid Picture Podcast comes from Intuit QuickBooks. If you're running a business, a side hustle, or just trying to stay on top of your money, QuickBooks helps you track income and expenses, send invoices, and see where things stand—without living in spreadsheets. It's tech that's meant to give you time back, so you can spend more of your attention on your life, not your tabs. If you're asked how you heard about QuickBooks, please mention The Bid Picture Podcast. Learn more at quickbooks.intuit.com.Support for The Bid Picture Podcast comes from VIZZ. If age-related blurry near vision—also called presbyopia—has you holding your phone farther away or avoiding the small print, ask your eye doctor about VIZZ, a once-daily prescription eye drop for adults that treats blurry near vision. Do not use VIZZ if you are allergic to any of its ingredients. The most common side effects are eye irritation, temporary dim or dark vision, headache, and eye redness. Be careful driving at night or doing activities that require clear vision until your vision returns to normal. If you're asked how you heard about VIZZ, please mention The Bid Picture Podcast. Learn more at vizz.com.Support for The Bid Picture Podcast comes from Rula. If you're trying to build a healthier relationship with tech—setting boundaries, breaking burnout patterns, or feeling more present—therapy can help, and Rula makes it easier to find licensed mental health providers and meet by video on a schedule that fits your life. If you're asked how you heard about Rula, please mention The Bid Picture Podcast. Learn more at rula.com.Support the show
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training How big do you actually want your agency to become? Does the idea of running a massive team sound exciting or completely exhausting? For many agency owners, scaling feels less like growth and more like trading freedom for complexity. Scaling an agency isn't about hustle. It's about surviving the moments that almost break you, building systems that actually work, and accepting that what got you here won't get you there. Today's featured guest understands that running a big agency is about structure and leadership. He's grown a global agency to 700 people without losing profitability, sanity, or culture and now he'll unpack the hard-earned lessons that most agency owners don't think about until it's too late. Nital Shah is the co-founder of Mavlers, a full-service, lifecycle digital agency headquartered in India, with operations supporting global brands and agencies across multiple geographies. Today, Nital leads a 700-person organization focused on marketing operations, delivery excellence, and scalable systems for agencies around the world. Having experienced both sides of the agency equation, client-side pressure and operational scale, Nital brings a grounded, operator-first perspective to growth, profitability, and leadership. In this episode, we'll discuss: An early principle: Profit should be intentional. Achieving operational excellence at scale. Structuring scale to make it manageable. Why alignment beats micromanagement. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. The Wake-Up Call: COVID, Cash Flow, and Retainers Like many agencies, Nital's biggest inflection point came during COVID. Before the disruption, the agency was focused heavily on top-line revenue rather than predictable recurring income. When 40 percent of revenue disappeared almost overnight, the weakness in that model became painfully obvious. Luckily, the agency's consistent focus on profit from day one helped them overcome this ordeal. However, it changed Nital's perspective on retainers and helped him understand that, without retainers, any similar unexpected bump in the road could destroy the agency. The agency had enough cash flow to survive the shock and rebuild and the lesson was clear: at scale, a large team without consistent recurring revenue is fragile. Retainers aren't just about stability; they are about survival. The other advantage that helped soften the blow was diversification. By spreading clients across industries and geographies, the agency avoided being wiped out by a single market downturn. When one region slowed, others carried the load. That balance didn't eliminate pain, but it reduced risk in a way most agencies underestimate until they feel it firsthand. Profit Is Not an Afterthought One of the most important principles Nital and his co-founder agreed on early was: profit must be intentional. It's not something you hope shows up at the end of the year. It's something you design into the business. That mindset shapes everything from service selection to client qualification. The agency actively avoids hyper-competitive, race-to-the-bottom services and continually evolves its offerings as markets become saturated. When a service becomes unprofitable, they pivot. When a client isn't aligned or drains margin, they say no. Profit isn't just about owner income. It funds experimentation, innovation, and future growth. Without margin, you can't test new services, pivot when the market shifts, or invest in better systems. You just stay busy. And busy is often the enemy of profitable. Operational Excellence at Scale Running a 700-person agency isn't about heroics but about process. Nital is clear that consistent, documented, and enforced workflows are what reduce mistakes, rework, and delivery friction. The agency is structured into service-based business units, each with its own leadership and accountability. On top of that sits a customer success layer that ensures delivery stays aligned with expectations. Everyone is trained on defined protocols, and those protocols exist to protect quality, not bureaucracy. When processes are clear and followed, the probability of hitting client outcomes increases. That reduces rework, lowers internal stress, and improves margins. In a people-driven business, operational discipline is what turns chaos into leverage. Alignment Beats Micromanagement One of the hardest challenges for Nital's agency came after rapid post-COVID growth, when the team doubled in size and remote work became the norm. Processes broke, alignment slipped, and as a result, communication suffered. The turning point came with adopting the Scaling Up framework by Vern Harnish. This framework, aimed at businesses ready to scale in a more structured manner, forced clarity across four areas: people, strategy, execution, and cash. More importantly, it created alignment from leadership all the way down to individual contributors. Every team member understands how their work connects to departmental goals, quarterly priorities, and long-term vision. When people understand the why behind the process, ownership replaces micromanagement. Accountability becomes cultural, not enforced. Leadership, Tough Calls, and A-Players When it comes to mistakes in team alignment, Nital openly acknowledges that the team that gets you to one stage may not be the team that gets you to the next. That realization isn't easy, especially when loyalty and shared history are involved. But over the last two years Nital has embraced the fact that growth demands adaptability. The agency now prioritizes agility, learning speed, and ownership. When someone can't evolve with the business, they are given time, feedback, and support, but the standard doesn't change. You don't win championships by protecting weak links. You win by putting the best players on the field while still treating people with respect and empathy. It's not cold. It's responsible leadership. Structuring Scale So It's Manageable When Nital decided to go back to India and start an agency, his mentor back in Australia offered him the chance to run their offshore center. From there, he started supporting other agencies in several countries and expanded his team to where they are now. Seven hundred people sounds overwhelming until you understand the structure. Instead of one massive organization, the agency operates as multiple business units, each capped around 100 to 150 people and run as its own P&L. This turns an impossible leadership problem into a manageable one. Leaders focus on coaching their direct reports, not managing hundreds of individuals. Each layer carries responsibility downward, creating clarity instead of bottlenecks. As Nital points out, no founder manages 700 people directly. You manage your leadership team. And if that team is strong, aligned, and accountable, scale becomes less scary and far more sustainable. The Future: AI, Change, and Opportunity Despite the uncertainty surrounding AI and marketing technology, Nital is optimistic. The pace of change has leveled the playing field. Years of experience no longer guarantee an advantage. Everyone is adapting at the same time. For smaller agencies, this creates opportunity. They can adopt tools and workflows faster than large organizations. For larger agencies, the challenge is moving faster without breaking structure. Either way, the shift toward complex marketing technology orchestration opens doors for agencies willing to master it. For him, the future belongs to agencies that can adapt, systemize, and evolve without clinging to what used to work. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
One on One Video Call W/George https://tidycal.com/georgepmonty/60-minute-meetingSupport the show:https://www.paypal.me/Truelifepodcast?locale.x=en_US
Google has introduced an AI-powered inbox view for Gmail, designed to enhance user experience by transforming the traditional email interface into a personalized platform that includes to-do items and topic summaries. This feature, currently available to trusted testers in the U.S. for consumer Gmail accounts, aims to help users manage their emails more effectively. However, concerns have been raised about the potential for users to feel overwhelmed by excessive to-do suggestions, and Google has stated that users can opt out of these AI features. The company also reassured users that their Gmail content is not utilized for training AI models.OpenAI has launched ChatGPT Health, a tool that allows users to ask health-related questions in a secure environment while connecting their medical records and wellness apps. Although the tool is not intended for diagnosis or treatment, it raises significant concerns regarding safety and privacy, particularly in sensitive areas like mental health. OpenAI has collaborated with over 260 physicians to refine the model, but the lack of full compliance with the Health Insurance Portability and Accountability Act (HIPAA) has led to calls for caution, especially for users with health anxiety. The implications of these tools extend beyond user convenience, as they redefine the nature of work and authority in digital environments.The episode also discusses the growing backlash against AI infrastructure, particularly in local communities where data centers are being proposed. Reports indicate that opposition is rising across the political spectrum, with residents voicing concerns about the environmental and economic impacts of these developments. Additionally, polling data shows that 80% of American adults believe the government should regulate AI, reflecting a significant political opportunity for the Democratic Party. This sentiment is prompting leaders to adopt more vocal stances against AI, as many voters feel threatened by its rapid advancement.For Managed Service Providers (MSPs) and IT service leaders, these developments underscore the importance of understanding the evolving regulatory landscape surrounding AI technologies. As states implement new laws addressing AI safety and consumer rights, MSPs must navigate the complexities of compliance and governance. The episode highlights the necessity for providers to establish clear boundaries regarding AI's influence in client environments, ensuring accountability and minimizing liability risks. As AI continues to integrate into various aspects of technology, the need for informed decision-making and proactive engagement with regulatory changes becomes increasingly critical. Four things to know today 00:00 Google and OpenAI Recast AI as an Authority Layer Over Email and Health Data05:03 From Data Centers to Regulation, AI Expansion Encounters Political and Community Limits08:18 AI, Privacy, and Liability Converge as States Fill the Regulatory Vacuum Left by Washington14:07 Dell Says Consumers Aren't Buying PCs for AI Features, Despite NPU Push This is the Business of Tech. Supported by:
Calibration has quickly shifted from a “nice to have” to a critical safety requirement in today's collision industry, but many shop owners still underestimate what it truly demands. How much space does it really take? What are the real costs? And where does liability begin and end?In this episode, Matt Di Francesco sits down with Frank Phillips, a 35-year collision industry veteran with experience at Caliber, Rivian, and ADAS-focused operations, to break down the realities of ADAS calibration. Frank explains why calibration is as much a business decision as it is a technical one, sharing real-world examples of space requirements, production efficiency, and equipment investment. Matt and Frank also talk about:(04:13) Why increasing business value is a long-term process, not a short-term decision(05:06) How documenting SOPs ahead of time protects value in any transition(06:43) Why exit planning becomes emotional and requires a true leap of faith(09:43) How acting as a trusted partner helps owners gain confidence in their transition(11:00) Why helping owners grow value over time is the most rewarding part of the workConnect With Frank PhillipsLinkedIn: https://www.linkedin.com/in/frank-phillips-17b33341/Email: frank.phillips72@gmail.comConnect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialAbout the guest:Frank Phillips brings more than three decades of experience in the automotive collision industry, shaped by years of working alongside some of the most respected organizations and professionals in the field. His career has given him a deep understanding of how the industry has evolved, from traditional repair methods to today's highly technical, safety-driven environment.At this stage of his career, Frank is dedicated to helping others navigate that complexity. He is passionate about education, accountability, and raising awareness around the responsibilities that come with modern vehicle repair. By mentoring shop owners and technicians and advocating for higher standards, Frank aims to strengthen the credibility of the collision industry and support those who will carry it forward in an increasingly advanced and demanding landscape.Disclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategies discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC. Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Do you feel constantly worried about shrinking organic visibility, heavier ad pressure, and constant change? Running an agency has never been a straight line. Platforms change, algorithms shift, and what worked five years ago can quietly stop working overnight. Organic visibility is shrinking, ads are getting more expensive, and uncertainty feels constant. Today's featured guest knows that reality and will share her journey from agency employee to founder of a 43-person local SEO agency, along with her honest perspective on Google, AI, remote teams, and why growing bigger can actually create more freedom and impact when done for the right reasons. Joy Hawkins is the founder and owner of Sterling Sky, a specialized local SEO agency focused on helping businesses rank on Google Maps and local search results. She has been working in the SEO industry since 2006 and is widely known for her deep understanding of how Google's algorithm works, especially in local search. Sterling Sky is a fully remote agency with team members spread across Canada and the United States. What started as a small consulting experiment has grown into a 43-person team over eight years. In this episode, we'll discuss: Google, AI, and the future of local SEO Why SEO agencies must diversify to survive Building a fully remote team. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. From Agency Employee to Founder of a Local SEO Agency After more than a decade inside agencies, Joy realized she was more interested in how systems worked than in selling them. When disagreements about services and sales responsibilities reached a breaking point, she decided to try consulting (fully prepared to dip into savings and return to a job if needed). Clients came faster than expected. Eight years later, that experiment has grown into a 43-person remote agency. Google, AI, and the Future of Local SEO One of the biggest challenges Joy sees in the industry right now is the pace of change inside Google's ecosystem. Features are constantly being swapped out, organic real estate is shrinking, and small businesses are feeling the impact more than ever. While agencies can usually adapt, clients often struggle because Google still represents such a large percentage of their lead flow. A major concern Joy sees is how Google is pushing more ads and limiting organic exposure, especially in local results. On mobile devices, users are now seeing local service ads dominate the top of the screen, followed by AI-driven local results that are shrinking from three listings down to one in some cases. For businesses that used to rely on being second or third in the map pack, this shift can mean a dramatic drop in calls almost overnight. Despite the fear around AI, Joy does not believe Google is going anywhere. As she points out, Google's real advantage is data. Reviews, location history, calls, visits, and behavior all live inside Google Maps. That depth of information is something other platforms struggle to match. Local SEO is still viable, but it is no longer free traffic in the way many business owners became used to. The bigger lesson is not about Google itself, but about dependency. When an agency or a business relies too heavily on one channel, any change can feel catastrophic. The agencies that struggle the most right now tend to be those built around rigid, cookie-cutter systems that cannot flex with the landscape. Why SEO Agencies Must Diversify to Survive Agency owners who want time to adapt should keep in mind it's always better to have an outbound strategy, an inbound strategy, and partnerships that you can rely on. If all your business comes from one channel and that channel changes, you are forced into reaction mode. The opportunity here is for agencies to guide clients toward broader strategies. That might include paid ads, partnerships, or even old school tactics like direct mail and local sponsorships. The exact tactic matters less than the mindset. Businesses need multiple levers to pull so they are not held hostage by one platform's decisions. For instance, right now everyone's scrambling to adopt AI in their processes, services, and more. But you should also try to understand the economics behind AI and advertising. The massive data centers, energy consumption, and infrastructure costs mean that today's low prices will not last forever. Platforms are investing heavily now with the expectation that monetization will follow. For agency owners, this reinforces the importance of pricing correctly, setting expectations with clients, and building offers that account for rising costs and shrinking organic margins. Building a Fully Remote Agency Joy's agency started more as a practical decision than a remote-first experiment. After years of working from home she saw no reason to take on the overhead of an office. The cost savings mattered early on, but the flexibility mattered even more. Without a commute, Joy could better balance work and family life. That same benefit extended to her team. Many of her early hires were former coworkers from an agency that later shut down, people she already trusted and respected. Since they were geographically spread out, an office would have created unnecessary friction. Expanding into the United States was also a strategic move. Joy wanted access to a larger talent pool so she could be extremely selective about who she hired. Being remote made it possible to hire people who were already passionate about local SEO instead of settling for whoever happened to live nearby. Culture, Connection, and Team Building at Scale One of the risks of running a remote agency is losing human connection. Joy is very intentional about avoiding that. While informal meetups happen more often in Canada, the entire team gets together once a year for an in person retreat. The goal of these retreats is mostly relationship building. Joy genuinely likes the people she works with and considers many of them friends. She believes that strong relationships create trust, better communication, and a healthier work environment overall. Joy sees firsthand how flexible work, reasonable boundaries, and a supportive environment can be life changing for employees who came from toxic workplaces. That impact has become a meaningful part of why she continues to grow the agency. Why Scaling the Agency Became a Mission When she first started her agency, Joy wanted a small team. Ten people or fewer. Highly experienced. Minimal management. That vision changed a few years in, and the reason surprised her. Around two years in, her agency began supporting a charity in Uganda, and the more she built that relationship, the more Joy saw how far a single dollar could stretch there compared to North America. Visiting in person made the impact real. She realized that by growing the agency, she could dramatically increase the good they could do through that partnership. The same realization applied to her team. As the agency grew, Joy saw how stable, flexible work improved her employees' lives. That sense of responsibility and opportunity shifted her perspective as she figured out her purpose. Now growth was no longer about ego or scale for its own sake. It became a way to create more impact both inside and outside the business. Leadership, Delegation, and Hiring for Your Weaknesses Agency owners who wish to keep their businesses small are often thinking about the nightmare that running a big agency can be. They imagine that the headaches they deal with at ten employees will just double if the team doubles. However, this was never the case for Joy. When she thinks about overworking she thinks about her time working for others. This is probably because Joy has always been very clear about what she does not enjoy. Accounting, taxes, and people management are high on the list, and instead of forcing herself to become good at everything, she hired people who genuinely enjoy those areas. A strong accountant removed massive mental load early on and hiring leadership team members who thrive on managing people allowed Joy to focus on strategy and innovation. She believes this is one of the biggest unlocks for agency owners who feel trapped. Delegation is not about offloading busywork. It is about trusting capable people to own outcomes. Joy prefers hiring experienced professionals over entry level talent because she does not want to micromanage. Her expectations are high, but so is her respect for her team's autonomy. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
In this episode, we unpack a confusing market paradox where transportation capacity has hit a four-year low even as fleets place massive orders for new equipment. Analysts attribute the surge of over 42,000 Class 8 truck orders to a regulatory pre-buy ahead of 2027 emissions rules rather than a true recovery in freight demand. We also explore how C.H. Robinson is utilizing 30 agentic AI tools to execute "gross margin arbitrage" and respond to quote requests in just 32 seconds. This strategy allows the brokerage to dynamically adjust pricing hundreds of times a day, turning speed directly into expanded margins. The conversation then shifts to the legal hurdles facing autonomous trucking, where liability often hinges on whether a "safer alternative design" existed rather than a comparison to human drivers. Experts warn that this unique product liability standard exposes manufacturers to nuclear verdicts even if their vehicles perform safer than people. Finally, we discuss the push by safety advocates to end the Safe Driver Apprenticeship Pilot for under-21 truckers. Opponents argue the program is dangerous, citing data that drivers aged 19 to 20 are six times more likely to be involved in fatal crashes. Follow the FreightWaves NOW Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices
Fraudology is presented by Sardine. Request a 1:1 product demo at sardine.ai In this episode of Fraudology, host Karisse Hendrick sits down with Robbie MacDiarmid to explore the rise of agentic AI and its implications for fraud prevention, payments, and liability in e-commerce. They break agentic commerce into its core layers: search, merchant interaction, and payment, then explain why fraud and payments are often treated as an afterthought as new AI-driven commerce experiences roll out.They also unpack emerging risks, such as first-party fraud, account takeover, chargebacks tied to “I don't recognize this transaction,” and the industry's biggest unresolved issue: who owns liability when autonomous agents act on a consumer's behalf. This episode equips listeners with the concepts—and the right questions—to navigate the next evolution of online commerce.Robbie MacDiarmidFraudology is hosted by Karisse Hendrick, a fraud fighter with decades of experience advising hundreds of the biggest ecommerce companies in the world on fraud, chargebacks, and other forms of abuse impacting a company's bottom line. Connect with her on LinkedIn She brings her experience, expertise, and extensive network of experts to this podcast weekly, on Tuesdays.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Starting with a clearly defined niche can make all the difference when you're landing your first clients and deeply understanding that niche can carry you through the toughest seasons of agency life. Today's featured guest built his agency on exactly that foundation. Before launching his firm, he spent years working as a consultant for governments, UN agencies, and the European Commission. Along the way, he identified a clear gap in the market. That expertise proved invaluable during the pandemic. While uncertainty hit many agencies hard, he trusted his understanding of the space and chose to weather the slow months, confident the work would return. His patience paid off as demand surged later in the year. He'll share the lessons learned from more than 20 years of building and running a thriving niche agency in one of the most political and complex markets in the world—and why focus, patience, and deep domain knowledge remain his greatest competitive advantages. Filip Lugovic is the co-founder and CEO of The Right Street, an EU-focused digital communications agency based in Brussels. For the last 20 years, he's lived in the middle of the "Brussels bubble," where organizations, trade groups, and companies fight for attention from the European Commission, Parliament, and Council. His agency sits at the intersection of public affairs + digital communications, serving organizations trying to influence policies that impact nearly half a billion people across Europe. In this episode, we'll discuss: Identifying and owning a highly specific niche. Building a client list with the power of low-hanging fruit. Getting their best quarter during COVID. Keeping a creative team inspired during slow cycles. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. From Door-to-Door Sales to the EU Policy Bubble Before he ever pitched a digital campaign, Filip was strangers' knocking on doors in Southern California selling heart-shaped pillows and screwdrivers with built-in flashlights. Not exactly glamorous, but it taught him the skill most agency owners run from: sales. When he landed in Brussels in 2005, he fell into a job selling ads for EU Observer, one of the leading political publications at the time. His clients were the same organizations trying to get in front of policymakers. Over the next decade, he built a deep network and a knack for relationship-based selling. Eventually, he left to consult on his own, but by 2017, he hit the same wall most consultants do: "I'm making money… but it all goes to someone else." A lunch with his current business partner (a seasoned communicator who had served as spokesperson for governments, UN agencies, and the European Commission) led to a plan to build something together. Building a Niche Agency: Where Marketing Meets Lobbying Once they figured out their roles and what they brought to the partnership, Filip and his partner started making plans and realized something: Most agencies in Brussels fell into one of two buckets: Lobbying firms who knew politics but didn't understand digital. Marketing agencies who knew digital but didn't understand politics. No one sat in the middle. So they built an agency that merged both worlds, pairing policy context with high-quality digital production. At the time, it was a hypothesis, and a risky one. Only a couple of competitors existed. But they saw the gap and took it. Landing the First Clients by Leveraging Existing Relationships Filip is no stranger to knocking on doors to sell a product, and he would have for his agency. However, this wasn't the right environment for that, so when it came time to start looking for clients, he relied on his network. Filip's approach to sales was never transactional and he very much enjoyed building lasting relationships. This is something many agency owners overcomplicate. Filip's first step wasn't SEO, funnels, or paid ads. It was: "Let me call every single person I already know and ask them to grab a coffee." That alone got him his first tiny clients. It wasn't a big account. Five hundred euros for hours of work, and zero profit. But it built the early case studies they needed. Most agencies try to skip this part. They want the big brand logo first. But every agency you admire started by leveraging relationships and building proof. Pro tip: You should always continue to revisit these relationships. Reach out to that client and buy them a coffee. This is the low-hanging fruit that can get your agency out of a tough spot. If you're not doing this, you're leaving money on the table. How Deep Market Knowledge Helps in Hard Times By January 2020, Filip's agency was growing at a healthy pace, had a new office and a seven-person team. Then we experience COVID shut downs. Their contracts froze, clients stopped paying, and their pipeline evaporated. Meanwhile, the agency had fixed expenses and a growing team relying on them. Most agencies would've cut staff and hoped to survive. Filip didn't. Luckily, he understood his market: EU organizations operate on annual budgets. If they don't spend it, they lose it the following year. So he and his partner made the hard call: No salaries for themselves (they relied on their wives for a while). Keep the team. Use that time to aggressively market. Their bet paid off and by Q4, every organization that couldn't run events was suddenly scrambling for digital support. Their best quarter ever happened during one of the scariest years on record. It was the foundation of everything that came afterwards. Keeping the Team Inspired During Slow Cycles How do you keep a creative team motivated when client work stops? Filip's answer: "Let them create whatever they want." There were no clients nitpicking colors or people demanding designers to make the logo bigger. It was a rare opportunity for pure, unfiltered creative expression. The team remembers that period as one of the most enjoyable times in the agency's history, despite the financial uncertainty. Why Big Name Clients Don't Always Make the Best Case Studies Most agency owners are probably familiar with this scenario: A famous brand comes in with big expectations and a big budget, and you brush off early concerns thinking their reputation would suffice to make the use of their case story all worthwhile. It happened to Filip and, unfortunately, after dismissing those concerns, the client rewrote everything and destroyed the design. Now they couldn't even put it on their website. Filip laughs about this now, because it still happens. Sometimes the smallest project gives you the best case study. Sometimes the biggest one becomes a "please-don't-put-our-name-on-that" situation. Just show the work you're proud of, not just the work you were paid for. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
Yacht compliance is not optional — and it is never just paperwork. In this episode of Captain's Chat, Captain Liam Devlin sits down with Captain Wendy Clark, Founder of Plumeria Marine, to unpack the compliance failures that quietly shut down charter programs, expose owners to liability, and put crew at risk. With extensive experience across inspected vessels, charter operations, and marine management, Wendy explains why US Coast Guard compliance is black and white — and why misunderstanding that reality costs owners months of revenue and credibility. This conversation goes beyond theory, covering real-world scenarios involving charter shutdowns, delivery risks, crew safety, environmental responsibility, and the human factor behind most onboard incidents. This episode is essential listening for captains, owners, brokers, managers, and crew who understand that safety, compliance, and leadership are inseparable at sea. What you'll learn Why US Coast Guard compliance leaves zero room for interpretation The paperwork mistakes that can instantly stop charter operations How cutting corners on deliveries creates serious liability exposure Why safety culture must be built before inspections, not after The human factor behind most maritime incidents How compliance protects crew, owners, and the marine environment Guest Captain Wendy Clark Founder, Plumeria Marine
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training What a year. I sat down with over 100 incredible agency owners—and the insights were unreal. From million-dollar breakthroughs to hard-earned lessons, these founders brought the real talk. In this special year-end episode, I'm sharing the top 5 interviews that stood out most. To everyone who tuned in, shared an episode, or took action from something they heard—thank you. This show is for you, and because of you. Here's to a smarter, stronger, more scalable 2026. Let's go. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. AI, Efficiency & the Future of Digital Agencies | with Manish Dudharejia (E2M Solutions) If you're running a digital agency and wondering how the hell you're supposed to keep up with AI, automation, and shifting client expectations—this one's for you. Jason sits down with Manish Dudharejia, founder of E2M Solutions, one of the largest white-label partners for agencies, to break down where the real opportunities are—and what's about to get wiped out. Spoiler: Agencies that don't embrace efficiency will get eaten alive. Whether you're stuck in fulfillment hell or just trying to stay 3 steps ahead, this is a must-watch if you want to grow smarter, not grind harder. From Freelancer to CEO: How Kriston Sellier Built a Scalable, Human-Centered Agency Kriston Sellier, Founder of Id8, shares how she broke free from the freelancer grind, stopped being held hostage by a single client, and transformed into a confident CEO with systems, a team, and a business that no longer revolved around her. We dig into the moment she realized she wasn't really running a business and how hiring a consultant changed everything (and brought in 25 new clients) This isn't fluff. It's the real path from chaos to clarity—one that too many agency owners skip because they're stuck reacting. From $1M to $40M: How Chris Dreyer Scaled His SEO Agency with One Counterintuitive Strategy If you're an agency owner stuck managing chaos, wondering how the hell to grow without everything breaking—this is your blueprint. I sat down with Chris Dreyer, CEO of Rankings.io, who scaled his agency from barely breaking 7 figures to nearing $40 million in pure service revenue. And no, it wasn't because of some sexy funnel or overnight hack. It was because he doubled down on relationships. Favorite line from Chris: "You mean to tell me it's not worth $500 to go shake hands with a $125K client?" This isn't theory. It's what the top 1% of agencies are actually doing—and it's probably not what you're doing right now. How to Build an Agency Team That Sticks & Clients Who Actually Respect You | Colin Hetherington I sat down with Colin Hetherington, founder of Dublin's Common Good and co-founder of Zoo Digital (which scaled to $3M+ with less than 5% turnover). Colin's the real deal—he's built agencies people love working at and clients want to stay with. You'll hear how Colin combined strategy, creativity, and technical execution to create an agency that stood out—and why focusing on team trust and clarity made all the difference. Whether you're scaling or starting fresh, there's gold in this conversation on how to lead without burning out. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
“All alpha is excess return, not all excess return is alpha,” says NISA CEO and Head of Investment Strategies David Eichhorn when discussing the use of appropriate benchmarks to measure performance and beta masking as alpha. Eichhorn joins Bloomberg Intelligence's Noel Hebert on the latest episode of Credit Crunch to talk about hedging liabilities and utilizing derivative overlays, targeting high information ratios and being a liquidity provider, and the evolution in liability management. The current rate backdrop and funded status for defined benefit plans, as well as leverage costs for BDCs are also discussed. Pensions & Investments (P&I) rankings were based on U.S. institutional,tax-exempt assets managed internally (covered for overlay) as of December 31, 2024; published on June 16, 2025. NISA paid a standard fee to access the full set of data published by P&I. Other survey participants may have reported overlay strategies on a basis other than notional values and, as such, direct comparison and rankings may not be appropriate. Visit www.pionline.com for more details, including past rankings and methodology.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you thinking about expanding your agency through acquisitions? Buying another firm can be one of the fastest ways to scale, but only if you choose the right partners and nail the cultural fit. Otherwise, growth can quickly turn into chaos. Today's featured guest has been through five acquisitions, each one teaching her a different (and sometimes painful) lesson about what truly makes a merger succeed. In this episode, she opens up about her biggest acquisition missteps, the cultural mismatches that nearly derailed integrations, forecasting errors she didn't see coming, and the identity challenges that arise when two teams collide. Kimberly Eberl is the Founder and CEO of The Motion Agency, a full service marketing and communications shop with offices in Chicago, Cincinnati, and Nashville. While the agency offers everything from creative to content, it is unusually strong in public relations with roughly 20 PR pros on staff. Kimberly has completed five acquisitions, navigated the cultural and financial highs and lows of M&A, and grown Motion into one of the most respected independent agencies in the Chicago market. In this episode, we'll discuss: When acquisitions help agencies scale—and when they backfire. Lessons learned from five agency acquisitions. Why agency owners often misjudge valuation and earnouts. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. From Fired Account Director to Agency Founder Kimberly jokes that she is one of those founders who got fired into entrepreneurship. At her previous agency, the account director role was undefined and impossible to succeed in. The revolving door should have been a clue. She lasted a year before being let go and scrambling to figure out her next move. With no grand plan, she fell into freelancing in 2006. The economy was healthy. The demand came fast. And pretty quickly she reached that moment every accidental agency owner hits. Either say no to work or hire help. She chose to hire. That early decision set the tone for the next decade. Instead of trying to do it all herself, she leaned into building a team and letting the business grow past her personal capacity. Outgrowing a Single-Service Model: Moving Beyond One Specialty Kimberly started as a PR pro. That focus worked for a while, but eventually she noticed how much money she was leaving on the table. Clients wanted websites, creative, content, and she was constantly referring the work away. The big shift happened when she decided to expand beyond PR and bring more capabilities in-house. This meant hiring outside her comfort zone and learning how to oversee work she could not personally do. That decision opened the door to real growth. Many agency owners get stuck right there. They stay in their one specialty because it is safe. Kimberly pushed through that discomfort and built a service mix clients actually wanted. The Reality of Acquiring Another Agency: Lessons from 5 Acquisitions Kimberly opted to add these new services through acquisitions. So far, she has completed five and every one had a different lesson. Her first major acquisition was bold. She bought an agency twice the size of her own. Financially and emotionally, it was a lot. Looking back, she admits she may not do a deal that large again, especially in a specialty she did not personally understand. But she also learned that size does not determine complexity. A one-person agency with contractors had just as many integration headaches as a larger shop. What mattered most was agency culture. Some deals looked perfect on paper but fell apart because the values, expectations, and behaviors did not align. One deal in particular was financially great and culturally awful. She kept one client from that acquisition. Another deal was financially terrible but culturally perfect. Years later, most of those staff members are still with her. Her biggest warning: never ignore cultural red flags during the courting phase. Take time to hang out with the sellers, how they operate, and experience their company's culture. Go to dinner, Travel together. You'll notice small behaviors (snapping over minor problems, chronic lateness, lack of transparency) that won't disappear after the contract is signed. Valuation Mistakes That Kill Good Deals Kimberly also dove into how she approaches valuations and why so many sellers get this part wrong. She focuses on future performance, realistic forecasts, and removing costs that will not continue after the sale. She also pushes back on inflated projections. If an owner claims revenue will double, the earnout should reflect that. Big promises are fine, but they should come with big accountability. One agency she walked away from wanted a valuation equal to twice their gross revenue. They were using cash-based accounting and ignoring profitability. It was an immediate red flag. Kimberly's advice to owners is simple. Build a business that is sellable even if you never plan to sell. Get your financials clean. Use accrual accounting. And be realistic about your numbers. Leadership, Loyalty, and the Hardest Skill — Letting Go As the agency scaled, leadership challenges became just as complex as financial ones. Kimberly admits she is confused about why she is the largest woman-owned agency in Chicago at only seventy people. She is proud of the title, but she wonders why more women are not reaching similar scale. There are no differences in capability, but many female founders still hit a ceiling often tied to loyalty, delegation, or difficulty letting people go. Some owners, especially women, treat their team like family and struggle to make hard decisions around performance. She admitted she has been loyal to a fault at times and is working on finding a healthy balance. Agencies function more like all star sports teams. The roster changes every year. People get promoted, moved, or sometimes released. That does not mean you failed. It means you are adapting so the team as a whole can win. Kimberly is even working on building hobbies outside her agency because she noticed how much of her identity was tied to work. It is a relatable struggle for founders who have poured years into their companies. AI Changes the Work, Not the Need for Agencies Let's be clear, agencies are not going away because of AI. Kimberly certainly doesn't believe that. She treats AI like an intern. Helpful. Fast. But still needing quality control, creativity, and leadership. Clients still want real relationships. They want someone who understands context and nuance. Agencies serving tech-savvy individuals will feel churn from AI, but agencies serving plumbers, service-based businesses, and non marketers will be fine. These clients want to stay in their lane and hire experts for everything else. Marketing evolves, but agencies survive because the business model adapts. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training What do you do when a business partnership fails? Do you try to engineer the perfect agreement so the exit is clean, or focus on alignment long before anyone signs anything? The truth is, most agency partnerships fail because owners rush into them without slowing down to see the cracks. Preparing for the worst is not pessimistic. It is how you protect the business you are trying to build. Today's featured guest has gone through failed starts, broken agency partnerships, and overcommitting his time as the owner for fear of losing opportunities. He'll unpack 25 years of wins, mistakes, and hard earned clarity, from building his agency and how the biggest breakthroughs came from leadership shifts rather than marketing tactics. Andy Crestodina is the co founder of Orbit Media, a Chicago based web development and optimization agency approaching its 25th year in business. Orbit has grown to a team of fifty five and more than eight million in annual revenue. Andy is also one of the most respected voices in content marketing, with millions of readers, hundreds of speaking engagements each year, and a reputation for teaching real strategy instead of recycled tactics. In this episode, we'll discuss: Slow, organic for consistent agency growth. What a failed agency partnership can cost you. The hire that gives an agency founder their time back. Learning when "yes" becomes the problem. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. How Slow, Organic Growth Built a 25-Year Agency Andy was working as an IT recruiter in the nineties and found himself bored at his day job. He didn't get to build anything in that position and he had a lot of ideation urging him to do something else. Luckily, the internet offered him that chance. He could build a website and channel his creative energy through that side project. But could he do it full time? He had no resume and no portfolio to present to a potential employer. He realized it was easier to get a client to take a chance on him than it was to convince an employer to hire him. So he and a high school friend started building sites. The first partnership failed fast and then the second attempt grew slowly, quietly, and steadily for 25 years. The secret was not paid ads or cold outreach. It was content. Consistent publishing, useful insights, and a commitment to organic channels long before that became mainstream advice. When Agency Partnerships Go Wrong and What It Really Costs There are many stories of successful partnerships in the agency world, but overall the disaster stories are much more common. As Jason says, you either know the bad partner or you are the bad partner. Andy lived through one of the toughest versions of that story. He had three partners for a while. One of them ran an unprofitable department. Responsibilities were unclear. Values were not aligned. And when it came time to clean up the mess, a poorly written shareholder agreement became a bigger problem than the partner himself. Andy had to mortgage his home and personally lend the company money to buy out the partner. The agreement used the wrong valuation formula. The partner dragged his feet and what should have been a difficult but clean process turned into a long, expensive, emotionally draining separation. Looking back, Andy says something most founders never admit. A handshake would have been better than the shareholder agreement they had. The real mistakes came earlier: saying yes to a partner who did not share the same values, not slowing down long enough to evaluate the deal, and being hungry for growth and ignoring misalignment. The Leadership Hire That Gave the Founder His Time Back Around this time of misalignment between partners was when a long time client turned management consultant stepped in. He saw tension inside the partner group, so he moved to do a 360 review and surfaced the problems that no one wanted to say out loud. Andy was quick to spot that he would be a great addition to the agency, and so eventually, he became the CEO. That single hire changed everything. Andy was doing all the sales and marketing. Meetings all day. Proposals all night. Burning energy on tasks someone else should have owned years earlier. Once his new CEO came on board, he built systems, built a sales process, hired strategists to handle qualification and scoping. Suddenly Andy had 20 hours a week of his life back. He poured that time into content and went right into work. He doubled publishing frequency, launched a conference, wrote a book, held monthly live events, shot videos. The brand exploded. Their reach multiplied. The inbound engine went from effective to unstoppable. This is the founder shift so many agency owners avoid. Letting go. Delegating the work that drains you. Investing your best energy into the work that grows the company, not the work that maintains it. Saying Yes, Saying No, and Protecting Your Energy Andy admits he still overcommits. He still says yes to speaking engagements because he loves the stage and it generates leads, even though the constant travel wears him down. This is something many agency owners have to face. You may want the brand, speaking gigs and reach. But you also want to protect your energy so you do not turn into the hero who disappoints people when they finally meet you. At some point, you have to choose where your yes goes. Andy chose articles, newsletters, LinkedIn, webinars, a conference, and in person events. He let go of podcasting. He narrowed his focus so he could go deeper. That discipline, more than any tactic, is what keeps his inbound engine healthy 25 years later. The Tension Between Culture and Profit How do you balance loyalty to your team with the need for profit and EBITDA? Andy is still trying to figure this out. His team has an average tenure of eight years. Some team members have been there twenty. Andy cares deeply about them and their families. But agencies face moments when bonuses, salaries, utilization, and capacity collide. Where doing right by people and doing right for the business feel like competing priorities. There is no perfect answer. But there is a direction. Take care of your people first. Trust them to help you solve the profit problems. Fix leaks. Raise rates. Tighten scope. Operate like owners. And when the agency wins, let your team win with you. Culture breaks agencies faster than anything else. Profit can be fixed. Culture cannot be patched over. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. In this last episode of 2025, Justin interviews Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine on the most impactful risks of 2025 and what's expected in 2026. They discuss the difficulty of reporting on the rapid pace of risk change. Morgan and Hilary discuss the most impactful natural events of 2025: wildfires in California and Canada, Hurricane Melissa, and flooding. They discuss the economic risks posed by the unusual tariff changes in 2025 and how supply chains and inflation are affected. These risks are covered in the Q4 edition of RIMS Risk Management magazine online now. Morgan and Hilary will return for the first episode of 2026, launching on January 5th. Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This is our final episode of 2025, and who better to spend it with than Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine? [:44] We will discuss some of the top risk management stories of 2025 and what they might mean for 2026. They will rejoin us for the first episode of 2026! But first… [:55] RIMS-CRMP and Some Prep Courses. The next virtual prep course will be held on January 14th and 15th, 2026. These are virtual courses. Links to these courses can be found through the Certification page of RIMS.org and through this episode's show notes. [1:12] RIMS Virtual Workshops are coming up. On January 21st and 22nd, Chris Hansen returns to deliver the course, "Managing Worker Compensation, Employer's Liability and Employment Practices in the US". [1:26] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:38] RIMS members always enjoy deep discounts on the virtual workshops. [1:48] The RIMS-CRO Certificate Program in Advanced Enterprise Risk Management is hosted by the famous James Lam. This is a live virtual program that helps elevate your expertise and career in ERM. [2:01] You can enroll now for the next cohort, which will be held over 12 weeks from January through March of 2026. Registration closes on January 5th. Or Spring ahead and register for the cohort that will be held from April through June, 2026. Registration closes on April 6th. [2:20] Links to registration and enrollment are in this episode's show notes. [2:27] On with the show! The annual Year in Risk Review edition of RIMS Risk Management magazine is now available. Visit RMmagazine.com for more information. [2:39] I wanted to dive deeper into some of the pages and the stories that made major headlines in risk management this year. Morgan and Hilary are rejoining us as part of our annual tradition. [2:54] We're not just looking back; we're also going to talk about how these events should be some warning signs and provide some extra insight for risk managers around the world. [3:05] Interview! This is our final episode of the year, and we're going out with a bang with two of my favorite people! [3:12] Morgan O'Rourke and Hilary Tuttle, welcome back to RIMScast! [3:23] Justin saw Morgan and Hilary, just a month ago in Seattle, at the ERM Conference. Morgan says it was raining the whole time, but it was a good conference. It was well-attended, and everybody enjoyed themselves, and the attendees got a lot out of it. It was a great event! [3:51] Hilary also thought it was great! The turnout was fantastic! There was some great feedback on a lot of the sessions. There were some packed rooms! People seemed pleased with the programming. Hilary didn't see the sun until she left, but she enjoyed the city! [5:12] Morgan and Hilary's goal for attending the ERM Conference is to gather good ideas for articles. They look for presenters who might be good content contributors in other formats. They look to get a sense of what is new and what is emerging. [5:24] Morgan and Hilary talk to members about what they're seeing in practice and what's concerning to them. Morgan says if there's a packed room for a session, it's clearly a topic that's resonating, which bumps it to the top of the list of things to pursue, since there's interest in it. [6:17] Justin notes that Morgan's always there in the sessions with pen and paper. He's old school! [7:36] Morgan says the hardest part of reporting on risk is the breadth of the risks they cover. Everything has a lot more nuance and a lot more effect. This incident happened, which had 57 knock-on effects. [7:47] Morgan explains why distilling that down to something that makes sense in article form is a huge challenge and compares writing about risk to the experience risk managers have with everything they deal with. [8:10] Morgan says that, at the end of the year, spotlighting the year in risk coverage is a challenge. How do you get the entire economic, geopolitical situation down to 200 words? [8:37] Hilary says the velocity of change is a challenge when covering risk. Unlike in everyday news coverage, they have to add an amount of value or takeaways for a reader who is looking to do something about risk. Developing that value, at the speed of risk, is particularly challenging. [9:15] Hilary continues. Crises are compounded now. You can't ignore a lot of those factors that make a crisis a bad issue. Hilary cites hurricanes, rapid intensification, which is a knock-on effect of climate change, lax building codes, and people building more in certain regions. [9:38] Hilary says you have to add so many layers to explain why this crisis is happening now. It becomes a lot more challenging to figure out how it impacts insurance. You have to take into account different exclusions or the way the policies are created. There are a lot of moving parts. [10:04] Morgan says, It's not just your picture. It's the picture of your suppliers and your customers, who might be across the country or around the world. All of their risks become your risks or, at least, will impact your business. [10:33] Justin compliments the digital layout of RIMS Risk Manager magazine. He speaks of how Morgan and Hilary go to RIMS events looking for inspiration for content and content contributors. [11:05] Morgan says, We're only as good as the information we've learned through the people we've met, or what we've read. We're not practicing risk managers. Hearing from experts who deal with it every day is the strongest way to get good content that resonates with our readers. [12:17] Morgan says wildfires were probably the most costly insured loss of 2025. Hilary says that earthquakes were the most costly in terms of the loss of life. The LA fire was the largest single economic loss. There are lots of expensive homes in Southern California. [13:26] Canada has had wildfires raging almost non-stop for two or three years. Wildfires are no longer secondary perils. They're a prime source of loss. Severe convective storms, in the aggregate, probably caused more damage than wildfires this year. [14:04] Hilary says severe convective storms have been in the top 10 for seven out of the last 10 years. Morgan says this was one of the top convective storm years. In natural disasters, you're not looking just at hurricanes and earthquakes, but also fires, floods, and more. [14:32] Hilary talks about secondary factors, like tremendous wind events in California, increasing the rate at which fires spread, making containment difficult. Things were moving fast. A lot of buildings were burning. It took three weeks to put out two of the largest fires. [15:05] Canada faced different challenges. All but two provinces had record, above-average fire seasons. Some fires impacted remote areas where getting people out is logistically extremely difficult. Seventy-something First Nations communities had to be evacuated. [15:35] If you're dealing with areas that are largely only accessible by air, getting communities of people out for long periods is logistically very challenging, with a devastating human impact. They're very different fires. [15:52] Hilary says it was quite a year. Morgan ties it back to the impact of climate change. It starts with drought, and it's exacerbated by winds. Then you've got these weird things that pop up where Mother Nature says, Hey, I've got a weird twist for you! [16:13] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [16:35] General registration and speaker registration are also open right now! Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [16:50] Let's Return to Our Interview with Morgan O'Rourke and Hilary Tuttle! [17:11] Some of the fires Canada experienced this year were zombie fires, also called holdover fires, or overwintering fires. They can live in the soil under the snow until it gets warm, the snow melts, and they reignite. Some of the fires of 2025 were started in 2023. [16:23] Hilary believes those holdover fires were in Saskatchewan, Manitoba, the Northwest Territories, and up North. Holdover fires are most common in the Arctic Circle. [18:43] Morgan and Hilary believe that's a good example of things that will happen more frequently with climate change, affecting a larger number of people than before. [19:15] Morgan says convective storms are tornadoes and thunderstorms. Hilary adds that it has to do with the pressure front that leads to forming them. Outbreaks of many tornadoes in a couple of days wreak havoc in the U.S. Midwest. [20:06] Morgan says the highest intensity of a tornado is EF5. There was an EF5 tornado in North Dakota for the first time in 10 years. It touched down in a place where there were not a lot of people. [20:35] Hilary says we're seeing increasingly severe convective storms and inland flooding losses. Severe storms are flooding areas that weren't thought of as being at risk of flooding. [20:50] The more we build into these plains with high-value properties, the more damaging convective storms are getting. The storms are also getting worse. We're also seeing increasingly damaging hail. That's a severe convective storm issue, as well. [21:27] Morgan says climate change makes things more intense and widespread. Morgan says his favorite climate change after-effect was the attack of the jellyfish this year. [21:57] There were multiple instances of French nuclear power plants being taken offline by giant swarms of jellyfish clogging the coolant intake lines. Europe had a super-hot summer. Water temperatures rose, which increased jellyfish activity and presence. [22:26] There were so many jellyfish, they ended up in places they shouldn't be. France generates 70% of its electricity through nuclear power. If nuclear power plants are taken offline, it's not just a minor annoyance. [22:51] If you're a company during a blackout, you don't care that it was jellyfish. You're still not in business for the time that you don't have power. Suddenly, this climate change effect is now a part of a disaster preparedness plan because of climate change. You have to plan for jellyfish. [24:43] Hurricane Melissa was another storm with widespread flooding and enormous insured losses. Morgan notes that 2025 was a relatively low-activity season from the standpoint of how many hurricanes made landfall. [25:18] Melissa was the most damaging and probably accounted for 90% of economic losses and loss of life. It did billions of dollars' worth of damage. [25:33] There were three Category 5 Hurricanes this year; four is the record, but they mostly went out into the ocean; they didn't do anything. That doesn't mean it's always going to happen. If one storm hits the right place, you're in trouble. [26:07] It was an active storm season for Jamaica. It only takes one storm in your area to be an active season for you. [26:25] Hilary says Melissa is a textbook case of some of the perils of rapid intensification. It got much worse very quickly. The fact that we've seen such a proportion of Category 5 storms is a pattern that is concerning. [26:57] They discussed rapid intensification in the hurricane outlook for the season. Hurricane Erin also occurred this year. It intensified quickly, but it didn't cause a lot of damage. Your lead time is less when a storm intensifies quickly. [27:32] Morgan says it's important to get things in order before storms hit because you may not have the time to do it when it's mid-season. You don't know where or when a storm will hit. [27:50] Wikipedia calls Melissa the costliest storm in Jamaican history, at $10 billion in damage, 102 fatalities, 141 injuries, and 27 missing. [28:38] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [28:57] Spencer awards undergraduate, graduate, Ph.D., and Pre-Instructor of Practice Scholarships to students enrolled at an accredited college or university in the U.S. and Canada, and physically studying in either location. No remote coursework eligibility from other locations. [29:14] Including part-time, graduate scholarships to risk management and insurance professionals continuing their education. [29:20] Since 1980, Spencer has invested more than $11.1 million in the scholarship program with awards to over 1,700 students. More than 85% of Spencer's scholarship recipients remain in the industry to this day. [29:35] They've got undergraduate scholarships, full-time Master's scholarships, part-time Master's scholarships, pre-dissertation Ph.D. candidates, doctoral candidates, and pre-instructor of practice scholarships all open now. The application deadline is January 31st, 2026. [29:57] Visit SpencerEd.org/scholarships. You'll find the different application buttons. See the link in this episode's show notes for more information, giving you some extra homework to do over the holiday break, if you are taking a holiday break! [30:14] Let's Return to the Conclusion of Our Interview with Morgan O'Rourke and Hilary Tuttle! [30:46] Justin mentions that tariffs in 2025 affect 90% of U.S. imports. That's a supply chain management issue and an ERM issue. Tariffs themselves are an issue. [31:16] What Morgan connects most to tariffs is the uncertainty they create, especially in the way they've been implemented this year. Tariffs are promised, then the terms are changed, creating uncertainty. What level of costs will businesses absorb or pass on to customers? [31:50] Morgan says those things make the business landscape unstable. Tariffs in April would be better than 57 different announcements that change the picture every other week and tend to tank the stock market. [32:20] Morgan says Goldman Sachs estimated in September that 55% of the incurred costs have been passed to consumers, depending on the business. Once it impacts your customers, you've got less revenue coming in. It's an unstable environment. [32:47] Hilary contrasts this year's tariffs with past tariffs. Usually, it's a "set it and forget it" situation. Hilary calls this year's tariffs erratic and confusing. The scale and the frequency of change are unprecedented. [33:31] Morgan says you can feel it when you go to the store. That's not helping from a personal standpoint or a business standpoint. Justin speaks of shrinkflation. [33:47] Tariffs are going to affect inflation. Nobody wants that. [34:22] Hilary speaks of alternate supply chains that are in more friendly tariff environments. Some of the items in your products are going to be different. Some of your processes will be different. You don't know if you're also going to be getting inferior products. [34:52] Morgan says it's not as simple as saying just get a new supplier. That's an operational shift from procurement, on. Hilary says, hopefully, you won't have to do product safety testing or environmental impact studies, or reporting around your supply chain. [35:09] Morgan notes that some raw materials may only be available in five countries, like a rare earth mineral. [35:32] Justin asks if this is explored in depth in the Q4 edition of RIMS Risk Management magazine. Hilary says we are not talking about rare earth minerals in that issue. Morgan is working on figuring out how we can cover that, perhaps, in 2026. [35:53] Morgan is fascinated by this topic. There are limited deposits of things. The broader point is that if you're affected by tariffs and you're trying to change suppliers or sources, you may not have all the options. [36:12] Hilary says it is a situation where the risk is very much there, but the management or mitigation of it is not necessarily something you can do much about. Only so many places make cobalt. Morgan adds, There are only so many mines out there. [36:31] Justin says, The Q4 edition of RIMS Risk Management magazine is out now. This is the last episode of 2025. We're going to have you back to discuss a little bit more in the first episode of 2026. [37:01] Morgan's parting words: "I'm just glad you're listening. I'm glad you're listening. I'm glad you're reading. I'm glad you're here. I feel like it's a privilege to keep writing for you, talking to you, so hopefully, we continue to do that in the new year. Everybody, be safe and happy." [37:14] Hilary's parting words: "Thanks for making it through another year!" [37:18] So, we're going to have you back in January, and we'll pick up there, probably with some cyber and some Data Privacy Day kick-off, January 5th, 2026. [37:35] Special thanks again to Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine and the RIMS Publications Department for joining us on RIMScast. They will rejoin us for the first episode of 2026. That will launch on January 5th. [37:52] Mark your calendar and subscribe to RIMScast through your podcasting app of choice! Visit RMmagazine.com to check out The Year in Risk edition of Risk Management magazine. That's the Q4 edition. This is reporting from the best in the profession. [38:12] You can't get any better than RIMS Risk Management magazine. [38:17] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [38:44] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [39:01] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [39:18] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [39:34] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [39:47] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [39:59] Practice good risk management, stay safe, and thank you again for your continuous support! Links: RIMS Risk Management Magazine: Year In Risk Edition | Feature Article Facilitating Risk-Based Decision Making | Virtual Workshop | March 4‒5, 2026 RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RISKWORLD 2026 Registration — Open for exhibitors, members and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now Spencer Educational Foundation Scholarships | Submission Deadline Jan. 31, 2026 RISK PAC | RIMS Advocacy RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Series Featuring Joe Milan! Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep | January 14‒15, 2026, 9:00 am‒4:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Managing Worker Compensation, Employer's Liability and Employment Practices in the US" | Jan. 21‒22, 2026 Upcoming RIMS Webinars: RIMS.org/Webinars Related RIMScast Episodes: "Mid-Year Update 2025: RIMS Legislative and Risk Management News" "James Lam on ERM, Strategy, and the Modern CRO" "The Evolving Role of the Risk Analyst" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Risk Quantification Through Value-Based Frameworks" Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed! RIMS Events, Education, and Services: RIMS Risk Maturity Model® Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information. Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts. Have a question or suggestion? Email: Content@rims.org. Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn. About our guests: Morgan O'Rourke, RIMS Director of Publications and Risk Management Magazine Editor in Chief Hilary Tuttle, Managing Editor, Risk Management Magazine Production and engineering provided by Podfly.
In this episode, Michael dives deep into the chaos at Turning Point USA's America Fest. With more than 30,000 attendees, the event revealed a growing rift within the GOP. From Ben Shapiro's scathing critique of fellow conservatives to the controversial presence of rapper Nicki Minaj, the conference exposed the future direction of the Republican Party. Is Turning Point USA a political asset or a liability for the GOP? Listen here then vote at Smerconish.com, and please rate, review and share this podcast! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
This episode I explain the difference between these 2 coverages
In Part 2 of The Utility Trilogy, Vulcan argues that fitness is not a hobby, a lifestyle choice, or a vanity project for Instagram. It is a Moral Obligation. If you are weaker than you should be, you are a burden to your family when disaster strikes.We dive deep into the philosophy of the "Chassis"—the machine that houses your mind. Drawing on Socrates, Plato, and Epictetus, Vulcan breaks down why we must stop "manufacturing our own decay" and start training for the harsh reality of "Winter."In this episode:The Chassis: Why your body is a machine that requires maintenance.The Swamp: Plato's brutal critique of lazy men and lifestyle diseases.The Anti-Hack: Why you can't "pill" your way out of a problem you behaved your way into.Operational Fitness: The difference between looking good and being useful.The Challenge: Stop outsourcing your reps. Pick up something heavy. Build your Utility."It doesn't matter if you have the skill to fix the problem if you don't have the physical capacity to GET to the problem."
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training What would you do if the merger you believed would change everything suddenly collapsed? Agency owners often dream of the big exit: the acquisition, the payday, the validation. But if you've been in this industry long enough, you know the story rarely goes as planned. Today's guest lived through the dot-com boom, a merger gone sideways, a rare "un-merger," and multiple reinventions across three decades. Today's featured guest is an agency owner who lived through the dot com boom, a merger gone sideways, an unmerger (a rare event), and multiple reinventions over three decades. He'll talk about his journey and the lessons he's gained in resilience, clarity, and what it means to build a business that lasts. Tom Snyder is the founder and CEO of Trivera, a Milwaukee-based agency that originally launched in 1996 under the name Website Solutions. He got his start back when tables ruled the web, Netscape Navigator was leading the browser war, and you had to explain to clients what the internet even was. Tom's agency grew quickly through the dot com boom, became part of an early multi-agency rollup, unmerged after the dot com crash, and later rebuilt itself around strategic services, recurring revenue, and emerging technologies. Thirty years later, he has seen nearly every high and low this industry can deliver and has the scars and wisdom to match. In this episode, we'll discuss: The roll up that seemed like a dream and the subsequent meltdown. The rare chance to unmerger. Learning to adapt to new technologies. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. The Early Days of the Web: A Front Row Seat to Digital History Tom got into websites before most people even understood what a web browser was. He recalls visiting a friend in 1995 who showed him a website for a local jeweler. The fact that someone in Milwaukee could suddenly sell jewelry to anyone in the world blew his mind. That spark soon became Website Solutions, a one-man shop in his duplex basement that grew into a million-dollar agency within three years. These early days were defined by scrappiness. There were no WordPress installs, no Mailchimp, no Shopify. Agencies wrote their own CMS platforms, email tools, and ecommerce systems. For years, Trivera worked on project-based engagements. Sell a website. Build it. Launch it. Then hunt for the next one. It created a revenue roller coaster that made it hard to grow. Then the breakthrough came when someone asked a simple question: Why are you not offering annual retained services? Once they shifted the model, everything changed. Retainers gave them predictable cash flow, stability during downturns, and the ability to build deeper, longer-term partnerships. Inside the Dot-Com Boom and the Rollup That Promised Millions By the late nineties, agency rollups were happening everywhere. Big groups on the West Coast were buying smaller shops at high valuations, promising stock payouts that would multiply as the group grew. Tom's agency was acquired by one of these rollups. The offer was attractive: $1 million in stock with the expectation that it could balloon into ten million within a couple of years. For Tom, this was more than a payday. It felt like a way to secure better opportunities for his team. Higher salaries, better benefits, more resources. All the things agency owners often think a larger parent company can provide. But as the ink dried on the deal, the dot com crash hit. Internal battles erupted among the agency owners inside the rollup. Some wanted to scale fast and sell. Others were emotionally attached to their agencies and resisted change. As the economy collapsed, so did the plan. When an Agency Merger Falls Apart Tom describes the internal environment as chaos. Agencies within the rollup started blaming one another for the downturn. Some owners viewed Tom's Midwest operation as a weak link and argued it was a mistake to acquire them. Then came the breaking point. At a Las Vegas meeting that was supposed to chart a path forward, Tom learned that he would lose control of his agency. His wife, who served as CFO, would be dismissed. His team would report to another agency owner. This happened on September 10th. The next morning, as they sat in their hotel room trying to process what to do, the news broke that planes had hit the World Trade Center. The world changed, and so did their priorities. In that moment of clarity, they made the decision to walk away and unmerge. How a Rare Un-Merge Saved the Agency Unmerging from an agency rollup almost never happens. But because the rollup was already fracturing, the leadership was surprisingly open to it. They returned most of the shares, let Tom keep a small portion, and released the original agency name. From there, Tom and his wife rebuilt everything from scratch under a new identity. Although it felt like the right decision to make, they were still exiting what was still a financially stable operation to start from scratch, which was a scary but necessary step to take. They brainstormed names that felt Greek or Latin until they arrived at Trivera. The name itself was available only because the previous owner had just let the domain lapse. It felt like a small sign that starting over was the right move. This reset allowed Tom to build the agency the right way. No irrational exuberance, burn rates, or pressure to sell. Just strong culture, smart financial discipline, and an eye on durable business fundamentals. How Adapting to New Technology Helped Survive in Crisis After the dot com crash, new technologies created fresh opportunities. SEO, email marketing, mobile, and social opened new revenue streams that helped Trivera rebound each time the economy dipped. Tom noticed a pattern. Every downturn was followed by a brand new marketing wave that rewarded the agencies willing to embrace it early. One of the most pivotal moments came during the 2009 recession. The agency had lost clients, payroll was tight, and they needed a breakthrough. Everyone was asking about social media at the time, so Tom and his team built an event called Social Media University. They hustled for two months and ended up selling 400 tickets. The sales and sponsorship revenue kept their payroll alive and catapulted them into a new service category. Events like this do more than create revenue. They cement authority, give an agency a story in the market, and in Tom's case, it opened doors to new clients and positioned them for the next evolution of the agency. Letting Go of Comparison to Stay Focused on the Journey Despite the wins, Tom admits there were years he compared his agency to others and wondered why they scaled or sold faster, especially some that got the tools from his very social media event. It is easy to feel behind when you see competitors raising money, getting acquired, or shouting big revenue numbers. However, there's very little one can actually know about other agency's purchase deals. These stories are incomplete. You never know what the real terms were. You never know the headaches behind the scenes. And you definitely never know if they actually took money home. Success in the agency world is rarely a straight line. It is more often a messy, winding path filled with reinventions, hard conversations, and moments when you question everything. So agency owners struggling and watching others reach new milestones should remind themselves that longevity comes from resilience, not a perfect upward curve. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
Most men don't need more information - they need fewer lies. The most common lie? "I'm fine." In this Friday Field Notes episode, Ryan breaks down why "fine" is how men drift, how standards quietly erode, and why most men wait until catastrophe forces them to take their life seriously. This isn't an emotional exercise. It's a logical, factual audit of your body, relationships, finances, mission, and integrity - with no stories, no excuses, and no rationalizations. Ryan challenges you to stop protecting your weak spots, identify where you're cutting corners, and draw one non-negotiable line in the sand that you enforce daily. You don't rise to your potential. You fall to what you tolerate. This episode will push you to: Take an honest inventory of your life Cut distractions, excuses, and self-deception Set one standard that changes everything Stop waiting for pain to force change Start today - not January 1st SHOW HIGHLIGHTS: 00:00 - The Lie of "I'm Fine" 01:55 - How Men Drift Without Realizing It 03:02 - Why You Must Audit Your Life 05:21 - Body, Marriage, Finances, Mission 07:01 - Where You're Lying to Yourself 09:02 - You Fall to What You Tolerate 10:41 - What Weakens You Is a Liability 11:23 - One Non-Negotiable Standard 12:13 - Discipline Doesn't Wait 13:14 - Stop Waiting for Catastrophe 15:23 - Audit Your Life Before It's Too Late 17:47 - Iron Council & Final Charge Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready
Ray Green answers a thought-provoking question from a friend: Is there a real difference between "play to win" and "play to not lose" people, and can you build an entire team of aggressive risk-takers? In this episode, Ray breaks down why he believes there are two distinct types of "play to not lose" people - Type 1 who are well-intentioned and think through proper risk mitigation, and Type 2 who operate from fear and lack of confidence. He explains why Type 1 people are actually assets who balance out aggressive play-to-win leaders, while Type 2 people are toxic liabilities that drain your organization. Ray shares a personal story from his first CEO role about constantly fighting with his co-founder, who drove him crazy but ultimately made him a better leader by having the confidence to speak truth to power. This is about understanding the balance you need on your team, knowing the difference between healthy defensive thinking and toxic negativity, and why you don't want a team of only one type of person.//Welcome to Repeatable Revenue, hosted by strategic growth advisor , Ray J. Green.About Ray:→ Former Managing Director of National Small & Midsize Business at the U.S. Chamber of Commerce, where he doubled revenue per sale in fundraising, led the first increase in SMB membership, co-built a national Mid-Market sales channel, and more.→ Former CEO operator for several investor groups where he led turnarounds of recently acquired small businesses.→ Current founder of MSP Sales Partners, where we currently help IT companies scale sales: www.MSPSalesPartners.com→ Current Sales & Sales Management Expert in Residence at the world's largest IT business mastermind.→ Current Managing Partner of Repeatable Revenue Ventures, where we scale B2B companies we have equity in: www.RayJGreen.com//Follow Ray on:YouTube | LinkedIn | Facebook | Twitter | Instagram
Send us a textIdentify your biggest growth red flags before they become practice-ending problems. In this Quick Tip episode of the Private Practice Survival Guide, Brandon Siegel breaks down the most common private practice growth liability indicators and how to get ahead of them: cash flow gaps, overreliance on a single payer, rushed hiring, weak financial runway, poor delegation, lack of compliance awareness, burnout, underutilized technology, and a declining patient experience. You'll learn how to assess financial health, protect your operations, tighten up your systems, evaluate risk tolerance, and build a sustainable growth plan that won't collapse under its own weight. If you're planning to scale locations, services, or staff, this episode gives you a practical roadmap to reduce liability, protect profitability, and grow with confidence instead of gambling with your practice.Welcome to Private Practice Survival Guide Podcast hosted by Brandon Seigel! Brandon Seigel, President of Wellness Works Management Partners, is an internationally known private practice consultant with over fifteen years of executive leadership experience. Seigel's book "The Private Practice Survival Guide" takes private practice entrepreneurs on a journey to unlocking key strategies for surviving―and thriving―in today's business environment. Now Brandon Seigel goes beyond the book and brings the same great tips, tricks, and anecdotes to improve your private practice in this companion podcast. Get In Touch With MePodcast Website: https://www.privatepracticesurvivalguide.com/LinkedIn: https://www.linkedin.com/in/brandonseigel/Instagram: https://www.instagram.com/brandonseigel/https://wellnessworksmedicalbilling.com/Private Practice Survival Guide Book
The U.S. government is admitting responsibility in the deadly midair collision near Washington, D.C., that killed 67 people. Federal filings cite air traffic control errors and a faulty altimeter aboard an army helicopter. The Senate has now passed the ROTOR Act, strengthening helicopter tracking requirements and closing military loopholes.President Trump addressed the nation on Wednesday night, pointing to what he called economic gains since returning to office. Trump also teased what he described as aggressive housing reforms and announced a $1,776 “Warrior Dividend” for U.S. service members. Separately, Trump and War Secretary Pete Hegseth attended a dignified transfer at Dover Air Force Base for U.S/ personnel killed in Syria.Lawmakers in the House just passed a Republican plan to bring down the cost of health care, without extending subsidies for Obamacare. The bill would lower premiums and provide subsidies for low income families for out of pocket health expenses. It now goes to the Senate where it's expected to fail without democratic support. In a separate vote, 4 republicans joined Democrats to force another vote on a 3 year clean extension of the COVID-era Obamacare subsidies.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training As a user, do you still use search engines or have completely defaulted to AI? How will this shift reshape the agency world? How will ads work when people are only getting the one answer they need? Most agency owners are still treating SEO like it's 2012 — optimizing keywords, buying backlinks, and praying to the Google gods. But search has already changed. People are asking AI for answers, not Googling for links. And if you want your agency or your personal brand to stay visible in this new era, the rules are completely different. Today's featured guest will unpack the shift from SEO to AEO and why most businesses are invisible to AI without even realizing it. Kasim Aslam is one of the world's leading voices on Answer Engine Optimization. He runs one of the largest AEO communities and leads a six person research team that has analyzed millions of AI citations to understand how large language models choose their sources. He is also the author of The AEO Blueprint and the founder of multiple companies, including a staffing agency, a mastermind, and AEO.co. Kasim has spent the past year deep in the trenches studying how AI crawlers gather, filter, and prioritize information. When it comes to AEO, nobody has more real data. In this episode, we'll discuss: SEO is over. Understanding AEO. Why brands may get lost in LLMs. The quiet Google change that just changed everything in AI citations. The future of ads. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Why SEO Is No Longer Enough: The Rise of Answer Engine Optimization (AEO) To understand Answer Engine Optimization, we must first understand that, despite what some agencies may be saying, it is not the same as SEO. Traditional search engines prioritize links. That is why entire industries exist around buying them. In the world of LLMs, backlinks barely matter. The number one ranking factor for AI citations is schema markup. And only 12.4% of websites have clean, validated schema. In other words, nearly 90% of brands are invisible to AI crawlers, regardless of how strong their SEO is. Schema isn't just another optimization tactic. It is the visibility layer. It is the metadata that helps LLMs understand and categorize your content. If your schema is broken or missing, AI cannot reference you even if your content is excellent. This is the equivalent of having a beautiful storefront on a street no one can find. The second key is social mentions. In the same way SEO relied on links, AEO relies on people talking about you. For instance, a TikTok comment from someone in the agency industry saying Jason Swenk is their go-to agency guy counts as an authority signal. LLMs weigh these human mentions heavily. Finally, a lot of the nuances on AEO are changing every day, but Kasim has learned that the real key is building authority, long-form content. That along with clear schema and personal brand is the future of staying in the conversation. Why Personal Authority Beats Brand Authority in AI Search One of the biggest shifts Kasim highlights is that answer engines prefer individuals. A person can write a book, earn a PhD, share opinions, create content, develop mastery, and build authority in a way brands cannot. That means generalists are in trouble. If your expertise is scattered, AI won't know how to classify you and won't choose you as an authoritative answer. Meanwhile, someone who goes deep in a single topic becomes the preferred answer. It is a shift away from corporate brand authority and toward personal authority. Authority is not spread across a company anymore. It sits with people. Agencies that hide behind a brand name will lose visibility. Personal brands that plant a flag will win. For agency owners, this is huge. You do not need a bigger brand. You need clear expertise tied to a real person. This is exactly why Jason positions all the Agency Mastery content around him. Personalities thrive. Brands get lost. Where LLMs Get Their Data (and Why That Just Changed Overnight) Kasim's research revealed that 21 percent of all AI citations once came from Reddit. YouTube followed at 18.8 percent. These platforms had deep context and raw human conversation, which LLMs love. Then Google quietly changed everything. Twenty two days before the interview, Google cut off 90% of the internet from AI crawlers by reducing search results from hundreds to ten. Because LLMs rely on deep search results (not the top ten), reducing the searchable depth limits the information AI can access - removing platforms like Reddit from the AI training pipeline. AI tools rely heavily on these deeper results for nuance. By limiting access, Google essentially removed Reddit and other community based sites from the AI food chain. This change sent shockwaves through stock prices and visibility, and most people never noticed. Google is protecting the content needed to train AI because only two organizations truly own the global knowledge graph: Google and Amazon. OpenAI and the rest are crawling, not casing, the internet, which means they operate at a major disadvantage. Google is playing statecraft. And according to Kasim, Google will win the AI race. The Rise of Screenless Search and Voice-Driven Results According to Kasim, we are quickly moving toward a screenless world. Eric Schmidt has said the screenless future is years away, not decades. And the younger generation is already there. Over 55 percent of people under 25 use voice instead of text. Voice queries require different markup, structure, and formatting, and only 0.3 percent of websites use voice schema. Meanwhile, 65 percent of all searches end in zero clicks. People are asking, getting an answer, and moving on. That number does not even include the people who have stopped using search altogether and have already shifted to answer engines. This means your future website is not for your audience. It is for AI. Kasim is rebuilding his personal site in Notion because he believes CSS-light, simple, stripped down sites will perform better for AI ingestion. We are entering a world where content is created for machines first and humans last. How Google Gemini Is Rewriting the Future of Advertising Here is a wild data point. When Kasim set up new Chromebooks for his kids, he discovered the default search engine was not Google. It was Gemini. Google owns Chrome. Google owns Chromebooks. Yet they replaced its primary revenue driver on its own device with a product that currently has no ads. This tells you where the company is headed. They are rebuilding a new knowledge graph optimized for answer engines, while competitors still reply on the old search-oriented graph. And the future ad model will be nothing like what agencies grew up on. If one answer becomes the default experience, where do ads go? How are they shown? What are users willing to tolerate? And will businesses have to give away deep content to earn visibility the same way early YouTubers and bloggers did? These questions will reshape the entire lead generation ecosystem. Data, Moats, and the K-Shaped Economy The people who win in this new world are those who own data. Not tool access or workflows. Data. Custom GPTs, custom models, and proprietary knowledge bases become your moat. We are entering a K-shaped economy. Twenty percent of people and businesses will become unstoppable because their productivity will outpace demand. Eighty percent will fall to zero. The middle disappears. That means agency owners must adapt, evolve, and lean into deep expertise. Vibe coding (the rapid, exploratory use of AI tools) and no code platforms are accelerating this divide. Kasim's team recreated a software that normally costs ten thousand a year in a weekend. Entire SaaS categories are about to be wiped out. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
For more, check out The Profit Circle: patreon.com/theprofitcircle
Bars and other alcohol-serving establishments have been rocked by high premium increases and liabilities, which have resulted in business closures and job losses across America. In this podcast, Leader's Edge writer Russ Banham takes us on a journey through his reporting and shows how a hard market for a specific type of coverage can easily disrupt a centuries-old U.S. industry.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Have you ever felt like enterprise clients were running your agency instead of the other way around? Buried in endless proposals no one reads, forced into rushed timelines, or watching your margins shrink every time a project drags out? Today's featured guest opens up about how he broke out of that exhausting cycle. Instead of over-delivering just to keep big clients happy, and seeing little return, he made the bold decision to focus on smaller, more committed clients who were ultimately more profitable and easier to build long-term relationships with. He'll share what he learned about sustainable growth, including why productizing your services sounds great in theory but can actually become counterproductive when it only happens externally. He'll also explain the sales shift that changed everything: offering a low-risk, "foot-in-the-door" engagement that qualifies prospects, builds trust, and creates a smooth path into deeper service offerings. Charlie Clark is the founder of Minty Digital, a boutique SEO agency focused on travel and lifestyle brands that originally launched in Barcelona and now operates from London. In this conversation, he'll break down the mindset, systems, and strategy needed to stop chasing validation from big brands and instead build a business where profitability, alignment, and respect come first. In this episode, we'll discuss: Why mid-market clients deliver higher profits than enterprise. How internal productization increases efficiency by 3X. How clear pricing transforms the sales cycle. How AI forced a new level of adaptability in SEO agencies. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. From Struggling Freelancer to Sustainable Agency Growth After a short stint in an agency at age 22, Charlie tried to go solo before realizing he didn't yet know how to grow a business. He assumed he could do it on his own and quickly learned he wasn't ready yet. Instead of quitting, he got a job as a Digital Marketing Manager, where he could make mistakes, learn operations, and understand what actually works inside a business. Moving to Barcelona created the perfect environment for momentum. His one-month stay turned into ten years after he landed several clients within weeks. His first retainer was €500 a month, which he laughs about now, but he admits it took years before he learned how to price correctly and move away from low-margin retainers. Those early years were full of trial and error, but the big breakthrough was realizing that charging more wasn't always the key to profit. Charging smarter was. Real Profit Lives in the Middle, Not the Top One of the strongest lessons Charlie learned was that bigger retainers did not equal bigger profit. Working with enterprise clients, he saw they could easily squeeze margins, the team would end up over-delivering, and on top of it all, payment terms were a nightmare. After years, he realized these clients often cost the agency money when the team over-delivered just to keep them happy. By contrast, the clients who had been with him since the early days, the ones paying between three and six thousand per month, were the most profitable and the most loyal. They bought the same deliverables. They stayed for years. And they matched the agency's internal processes beautifully. Once he realized this, he moved to intentionally pursuing that sweet spot. Not the five figure monthly retainers or the cut rate ones. The predictable, operationally aligned middle where the team can deliver consistently and profitably. For Charlie, this changed everything from sales cycle speed to team alignment to lifetime value. Internal Productization: The System that 3X Efficiency Many agencies think productization means selling rigid packages that make you look less strategic. Charlie took the opposite approach. Internally, his team adopted highly productized systems, templates, and SOPs. They knew exactly what to do for a three thousand dollar client versus a six thousand dollar one, and how much effort each one required. Externally, the offer still looked consultative and customized. Clients saw a broad range of what could be included, but the delivery stayed tight behind the scenes. This improved profitability, gave the team clarity, and dramatically sped up onboarding. The biggest win? It eliminated the "start from scratch every time" problem that slows agencies down and kills margins. How Clear Pricing Transforms the Sales Cycle Before productization, Charlie would spend hours on proposals that often got ghosted. Once he added transparent pricing, clear expectations, and prequalification to the website, the right clients were self-selecting before the call even happened. By the time he spoke with them, they understood the price and the structure. Now he closes clients on the call or even through a single WhatsApp message. This is the power of clarity. It shortens cycles, reduces friction, and saves enormous amounts of time for a lean team. However, transparent pricing attracts budget mismatches, so Jason recommends removing pricing from agency's websites and switching to triage calls and the Foot-In-The-Door model. At the end of the day, there are a thousand ways to create a better sales process. What matters is that it filters, qualifies, and positions you as the advisor. Why a Paid Discovery Offer Builds Trust and Prevents Ghosting Both Charlie and Jason agree that a small, paid upfront engagement solves the biggest challenge in agency sales. Trust. SEO agencies in particular fight an uphill battle here. The barrier to entry is low. There are thousands of one-person shops. Many prospects have been burned before. A small paid engagement builds confidence, shows value quickly, and prevents ghosting. The Foot-in-the-Door offer should be simple, done live with the client, and designed to build the relationship. Not overloaded with deliverables that overwhelm the client and make them feel uneducated. When done right, it leads naturally into a larger project and then a retainer. Charlie's Kickstart product functions the same way. For eight hundred dollars, clients get quick wins and clarity. It works because it gives prospects a safe way to test the relationship and because it positions the agency as a trusted advisor instead of a vendor chasing a proposal. How AI Forced a New Level of Adaptability in SEO Agencies Charlie admitted that two years ago he felt bored with SEO. Then AI exploded. Search interfaces changed. Clicks shifted. And suddenly the industry was moving faster than ever. For many agencies, this uncertainty created fear. For Charlie, it sparked energy. He leaned back in, started speaking at events, ran experiments on AI search, and brought a fresh curiosity back to himself and his team. He described the past year as a sink-or-swim moment for agencies. The ones who coasted struggled. The ones who adapted thrived. Lean teams with solid systems could move faster and deliver more value. In his words, being nimble is now a competitive advantage. Figuring out AI reignited his passion in the business but it was far too much to tackle alone. This is why agency owners should have a community to lean on to try to figure out changes in the industry. Your network will determine your speed of growth. Agency owners who surround themselves with peers sharing what works and what fails will survive the next wave of industry change. The ones who go alone will struggle. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success
What happens when machines start telling us what we want to hear—and when users start depending on them for emotional connection? Join us for a live conversation about the psychology and liability of chatbots.We Meet: Meg Marco is Harvard Berkman Klein Center's Senior Director of the Applied Social Media Lab.New York Times Tech Reporter Kashmir Hill is also the author of YOUR FACE BELONGS TO US.Jordi Weinstock is a Senior Advisor to Harvard's Institute for Rebooting Social Media. Credits:This episode of SHIFT was produced by Jennifer Strong with help from Emma Cillekens. It was mixed by Garret Lang, with original music from him and Jacob Gorski. Art by Meg Marco.
Bueno Bueno Podmas Day 10, An episode everyday for 25 days! Follow Ferrny!https://www.instagram.com/only.ferny?igsh=OGQ5ZDc2ODk2ZA%3D%3D&utm_source=qr Buy The Bueno Coffee Hoodie here!https://www.inlandentertainment.com/product-page/bueno-coffee-hoodie More Content On Patreon!patreon.com/buenobueno Call Us To Be On The Show!https://docs.google.com/forms/d/e/1FAIpQLSdV8WNMg69TLL4nYttVh_mKAoLRYzRtnCT226InJqh3ixQR5g/viewform Want to send us a gift?PO BOX 311145Fontana, Ca 92331 Follow Us!https://linktr.ee/buenobuenopdc Saul V GomezInstagram - https://www.instagram.com/saulvgomez/Twitter - https://twitter.com/Saulvgomez_Tik Tok - https://www.tiktok.com/@saulvgomez Hans EsquivelInstagram - https://www.instagram.com/hans_esquivel/Tik Tok - https://www.tiktok.com/@hanss444 RexxInstagram - https://www.instagram.com/rexxb/Twitter - https://twitter.com/rexxgodbTik Tok - https://www.tiktok.com/@rexx.b1 Bueno Bueno EP. 16900:00 – Intro00:14 – Welcoming Fernie Back01:08 – We were almost arrested08:55 – Why Fernie Almost Got Shot in Texas12:19 – No Plan B: Betting on Yourself16:07 – Law of Attraction26:01 – Hard Work vs. Luck Debate33:01 – The Psychology of Clips36:47 – Working Since 16 & Feeling Behind37:26 – Bible Verse of the Day38:27 – Fear Disguised as Responsibility39:04 – Why Moving Far Forces You to Grow40:22 – Houston Party Recap42:22 – Liability vs. Asset in Your Circle43:34 – Loving the Grind Even When It Hurts45:14 – Seeing Your Work Through Someone Else's Eyes46:29 – The Struggle Is the Best Part
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Why do clients keep asking for deliverables they don't actually need? How to get them to focus on the outcome instead of the task list? Every agency owner has had clients show up asking for a website, SEO, or a million social posts, when what they actually need is something much deeper: more leads, more profit, more time back, and a business they're proud of again. Today's featured guest broke down how he built an 11-year-old shop that delivers exactly that. We dig into why small businesses really hire agencies, why "selling SEO" is a trap, and how simplifying complex work can make your agency more profitable, more trusted, and a hell of a lot easier to run. Nico Biggi, Founder of The Gorilla Agency a full-service Oregon digital agency that helps small businesses achieve their marketing goals. After applying to 31 agencies and hearing absolutely nothing back, he decided if no one would hire him, he'd simply build the place he wished existed. Eleven years later, his agency helps small businesses fall in love with their companies again by delivering marketing that feels personal, purposeful, and rooted in truth—not hype. In this interview, we'll discuss: Why clients don't want SEO and what small business are really buying. How radical simplicity makes agencies more profitable. Walking away from big clients to make your agency stronger. How AI is changing client expectations. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Why Clients Don't Actually Want SEO (And What They're Really Buying from Agencies) Nico knows why his clients first reach out and he understands that, in reality, no one wants SEO. No one wants a website. No one wants a content calendar. What they want is for their phone to ring. They want predictable revenue and to stop feeling behind. Basically, they want a business that finally looks and performs the way they imagined when they started it. Hence, when Nico sits with a new client, he doesn't take their request at face value. He keeps pulling the thread: Why do you want that? What are you really trying to fix? What's happening behind the scenes that made you reach out today? By the time he gets to the core problem, the tactical service almost never matches the thing they originally asked for. And that's where trust is built—showing clients the real path to their desired outcome, not the task list they think they need. As he puts it: Services are the toolkit. Outcomes are the reason you pick up the tools. How Radical Simplicity Makes Agencies More Profitable and Improves Client Trust During client meetings, Nico strives to strip away the complexity agencies tend to hide behind. Clients don't want a masterclass in keyword density or a dissertation-length PDF they'll never read. They want clarity. To him, the best operators and the best salespeople think like teachers. Teachers take complicated ideas and make them accessible. They speak in a way a fifth grader can understand, because simplicity builds confidence, and confidence builds buy-in. Inside his own agency, this shows up in the way he trains his team. No silos. No "not my job." Everyone learns how every part of the system works, from content, SEO, design, dev, and strategy. That shared understanding creates respect, efficiency, and a culture where no one feels like they're building in the dark. Everyone in his team is taught that no one is above anyone and they're all running the machine together. It's a mindset that creates accountability among the team and helps the client understand exactly what they're paying for. Why Saying No to Big Clients Can Make Your Agency Stronger Every agency owner has a moment where the "big" client forces them to rethink everything. For Nico, it was early on, when a client offered him more money than he even asked for ($10k a month) and three months later, he fired the client. On paper, it was a dream account. In practice, it drained the team, misaligned with their process, and became the catalyst for rebuilding the agency from the ground up. He spent two years refining every process—on-page and off-page SEO, content creation, design systems, communication workflows—all centered around one thing: making sure clients always know where their money is going and how it's working. Most agencies duct-tape their operations when things get messy instead of rebuilding the underlying, broken system. Nico rebuilt his foundation truly believing that all business owners need is for someone to create systems, truly listen to them, and help them articulate what they do for their clients. Authenticity Converts (And Your Clients Need Your Help to Show It) Nico's wife unknowingly became the perfect case study for modern buyer behavior. Before choosing anything (restaurants, local services, events) she checks: Reviews Menus FAQs Photos Location Details User experience Credibility That's what most customers are doing, and the standard Nico sets for his clients. He wants to work with businesses that engage with clients and answer their questions, show their work with real photos, tell compelling stories, show proof, have a clean, intuitive website. If it doesn't pass what Nico calls "the wife test" — if a business doesn't have clear answers, real photos, social proof, strong UX, and transparent information — it doesn't ship. And the same goes for exclusivity: Nico refuses to work with two companies in the same industry and service area. He wants to make one the best, not compete against himself for small wins. How AI Is Changing Client Expectations and Why It Won't Replace Agencies Nico sees AI from both angles: the opportunity and the threat. On one hand, AI makes clients think everything should be instant and $500. He's already had clients send him AI-generated instructions like they're firing off tasks to a robot. The danger isn't AI itself but rather clients misunderstanding what real strategy, design, content, and user experience actually require. But the other side is where he sees massive upside. AI removes the repetitive, thankless tasks that bog agencies down. It gives teams more room to think, solve, and create. It lets agencies deliver more value, not less, if they use it correctly. AI doesn't replace strategy and, more importantly, it doesn't replace the human connection that actually closes deals. Your network is your edge. Tools evolve but human trust, real expertise, and the ability to guide clients through complexity—that doesn't. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
Max Tegmark and Dean Ball debate whether we should ban the development of superintelligence in a crossover episode from Doom Debates hosted by Liron Shapira. PSA for AI builders: Interested in alignment, governance, or AI safety? Learn more about the MATS Summer 2026 Fellowship and submit your name to be notified when applications open: https://matsprogram.org/s26-tcr. They unpack the Future of Life Institute's call for a moratorium until there is broad scientific consensus and public buy-in, contrasting Tegmark's precautionary stance with Dean's emphasis on experimentation, competition, and practical policy hurdles. Listeners will get clear takes on p(doom), the limits of FDA-style regulation, unilateral ban risks, and what safe, beneficial advanced AI might realistically look like. LINKS: AMA episode feedback survey form Doom Debates Substack newsletter Sponsors: Framer: Framer is the all-in-one tool to design, iterate, and publish stunning websites with powerful AI features. Start creating for free and use code COGNITIVE to get one free month of Framer Pro at https://framer.com/design Agents of Scale: Agents of Scale is a podcast from Zapier CEO Wade Foster, featuring conversations with C-suite leaders who are leading AI transformation. Subscribe to the show wherever you get your podcasts Tasklet: Tasklet is an AI agent that automates your work 24/7; just describe what you want in plain English and it gets the job done. Try it for free and use code COGREV for 50% off your first month at https://tasklet.ai Shopify: Shopify powers millions of businesses worldwide, handling 10% of U.S. e-commerce. With hundreds of templates, AI tools for product descriptions, and seamless marketing campaign creation, it's like having a design studio and marketing team in one. Start your $1/month trial today at https://shopify.com/cognitive PRODUCED BY: https://aipodcast.ing CHAPTERS: (00:00) About the Episode (05:43) Cold open and intro (09:21) Opening statements: ban debate (Part 1) (14:49) Sponsors: Framer | Agents of Scale (17:11) Opening statements: ban debate (Part 2) (17:11) Licensing-style AI regulation (26:52) Liability, tail risks (Part 1) (33:24) Sponsors: Tasklet | Shopify (36:32) Liability, tail risks (Part 2) (39:23) Timelines and precautionary regulation (47:03) Defining superintelligence and risk (52:26) Risk-based safety standards (56:28) Current regulations and definitions (01:05:23) Max's doom scenario (01:19:46) P-doom gap and adaptation (01:34:40) National security and China (01:43:57) Closing statements and reflections (01:55:22) Host debrief and outro (02:02:10) Outro
Ever worry about finding yourself in a civil or criminal case as a result of your actions as a nurse? Join the co-hosts as they welcome Attorney Rachel Giles to help us demystify nursing legal liability, including must-dos, don't-dos, and real-world pitfalls so you can protect your license, your patients, and your peace of mind. (AMSN Members Earn 0.5 CE Hours*) * This episode is eligible for 0.5 contact hours for AMSN members who listen to the episode and submit a completed evaluation through the online library. None of the individuals with the ability to control the content of this episode have any relevant financial relationships with ineligible companies to disclose. The Academy of Medical Surgical Nurses is an accredited provider of nursing continuing professional development by the American Nurses Credentialing Center's Commission on Accreditation. SPECIAL GUEST Rachel Giles, JD, MBA/MHA is a United States Army Veteran, brings over a decade of experience in health law, compliance, federal regulations, and risk management. She is dedicated to delivering innovative conflict resolution, consulting, education, and knowledge, leveraging her unique expertise to help clients and healthcare organizations navigate complex challenges in both legal and operational environments. Rachel is passionate about fostering effective communication and equitable solutions to ensure that every person feels safe and empowered to move forward confidently. Rachel's professional experience includes serving as CEO of Giles Mediation, LLC., where she assist low socioeconomic status clients mediate cases in an attempt to stay out of a long costly court battle. She was the Vice President of Compliance & Administration for AshtonBridge Capital, where she implemented risk management frameworks and compliance protocols across diverse industries such as investment, real estate, and commodity trading. Additionally, her tenure in senior roles at multiple Healthcare Organizations within the Texas Medical Center in Houston highlights her skill in mitigating risks, conducting audits, and driving quality and patient safety improvement initiatives. She is adept at contract negotiation, policy development, and litigation support, making her a trusted advisor to organizations. Academically, Rachel holds a Doctorate in Law with a specialization in Compliance, Regulatory Affairs, and Risk Management, alongside dual master's degrees in Business and Health Administration. Her credentials are complemented by certifications in Lean Six Sigma, Project Management, and Mediation. She was recognized for academic excellence, including achieving top marks in cybersecurity coursework, where she developed actionable strategies for addressing HIPAA data breaches. Her ability to merge research with practical application has been a hallmark of her professional and academic career. MEET OUR CO-HOSTS Samantha Bayne, MSN, RN, CMSRN, NPD-BC is a nursing professional development practitioner in the inland northwest specializing in medical-surgical nursing. The first four years of her practice were spent bedside on a busy ortho/neuro unit where she found her passion for newly graduated RNs, interdisciplinary collaboration, and professional governance. Sam is an unwavering advocate for medical-surgical nursing as a specialty and enjoys helping nurses prepare for specialty certification. Kellye' McRae, MSN-Ed, RN is a dedicated Med-Surg Staff Nurse and Unit Based Educator based in South Georgia, with 12 years of invaluable nursing experience. She is passionate about mentoring new nurses, sharing her clinical wisdom to empower the next generation of nurses. Kellye' excels in bedside teaching, blending hands-on training with compassionate patient care to ensure both nurses and patients thrive. Her commitment to education and excellence makes her a cornerstone of her healthcare team. Marcela Salcedo, RN, BSN is a Floatpool nightshift nurse in the Chicagoland area, specializing in step-down and medical-surgical care. A member of AMSN and the Hektoen Nurses, she combines her passion for nursing with the healing power of the arts and humanities. As a mother of four, Marcela is reigniting her passion for nursing by embracing the chaos of caregiving, fostering personal growth, and building meaningful connections that inspire her work. Eric Torres, ADN, RN, CMSRN is a California native that has always dreamed of seeing the World, and when that didn't work out, he set his sights on nursing. Eric is beyond excited to be joining the AMSN podcast and having a chance to share his stories and experiences of being a bedside medical-surgical nurse. Maritess M. Quinto, DNP, RN, NPD-BC, CMSRN is a clinical educator currently leading a team of educators who is passionately helping healthcare colleagues, especially newly graduate nurses. She was born and raised in the Philippines and immigrated to the United States with her family in Florida. Her family of seven (three girls and two boys with her husband who is also a Registered Nurse) loves to travel, especially to Disney World. She loves to share her experiences about parenting, travelling, and, of course, nursing! Sydney Wall, RN, BSN, CMSRN has been a med surg nurse for 5 years. After graduating from the University of Rhode Island in 2019, Sydney commissioned into the Navy and began her nursing career working on a cardiac/telemetry unit in Bethesda, Maryland. Currently she is stationed overseas, providing care for service members and their families. During her free time, she enjoys martial arts and traveling.
In this episode of the Identity at the Center Podcast, hosts Jeff and Jim sit down with Tobin South, co-chair of the OpenID Foundation's AI Identity Management Community Group, to delve into the intricacies of identity management in the age of agentic AI. They discuss the challenges and solutions related to AI agents, the role of the Model Context Protocol (MCP), and the concept of recursive delegation and scope attenuation. Additionally, the conversation covers practical advice for developers and enterprises on preparing for AI-driven identity management and explores the cultural touchstone of coffee from various global perspectives.Connect with Tobin: https://www.linkedin.com/in/tobinsouth/OpenID Foundation: https://openid.net/Identity Management for Agentic AI (OpenID Whitepaper): https://openid.net/wp-content/uploads/2025/10/Identity-Management-for-Agentic-AI.pdfConnect with us on LinkedIn:Jim McDonald: https://www.linkedin.com/in/jimmcdonaldpmp/Jeff Steadman: https://www.linkedin.com/in/jeffsteadman/Visit the show on the web at http://idacpodcast.comChapter Timestamps:00:00 – Jeff and Jim banter about unopened iPads and conference season05:55 – Introduction to Tobin South and his AI identity background07:00 – How AI has evolved from machine learning to generative models09:00 – The OpenID AI Identity Management Community Group10:30 – ChatGPT's impact on the AI perception shift12:00 – Users vs. Agents: What's the difference?14:00 – Letting the right bots in: AI agents vs. bad bots17:00 – AI impersonation, delegation, and the risk of shared credentials20:00 – Impersonation vs. Delegation – what practitioners need to know23:00 – Governance, oversight, and delegated authority for agents26:00 – Liability and “who is responsible” in agentic systems30:00 – How developers can prepare for agent identity and access management32:00 – Explaining the Model Context Protocol (MCP)36:00 – Enterprise use cases for MCP and internal automation38:00 – Is MCP the next SAML?42:00 – Recursive delegation and scope attenuation explained46:00 – The one key takeaway for IAM professionals48:00 – Lighter note: Coffee talk – from Sydney to San Francisco54:00 – Wrap-up and where to find more IDAC contentKeywords:IDAC, Identity at the Center, Jim McDonald, Jeff Steadman, Tobin South, OpenID Foundation, AI Identity Management, Agentic AI, Delegated Authority, Impersonation vs Delegation, Model Context Protocol (MCP), Recursive Delegation, Scope Attenuation, Identity Access Management, IAM, AI Governance, AI Standards, Enterprise AI, AI Agents, Identity Security
Content warning: this conversation includes discussion of child sexual abuse. Support services can be found further down in these show notes.Lawyer and advocate Judy Courtin discusses her work representing survivors of institutional child abuse and how legal technicalities have long protected powerful institutions.You can visit Judy Courtin's website here.Sign the petition here to reverse the High Court Decision Exempting Institutions from Liability for Child AbuseWe're excited to announce the release of Sherele Moody's new podcast, She Matters. Click here to listen on Apple Podcasts, or find it wherever you get your podcasts.Join our Facebook Group here.Do you have information regarding any of the cases discussed on this podcast? Please report it on the Crime Stoppers website or by calling 1800 333 000.For Support: Lifeline on 13 11 1413 YARN on 13 92 76 (24/7 crisis support phone line for Aboriginal and Torres Strait Islander peoples)1800RESPECT: 1800 737 732Blue Knot Helpline: 1300 657 380CREDITS:Host: Meshel LaurieGuest: Judy CourtinExecutive Producer: Matthew TankardEditor: Michael TankardGET IN TOUCH:https://www.australiantruecrimethepodcast.com/Follow the show on Instagram @australiantruecrimepodcast and Facebook Send us a question to have played on the show by recording a voice message here.Email the show at AusTrueCrimePodcast@gmail.com Hosted on Acast. See acast.com/privacy for more information.
This is a "Shortcut" episode. It's a shortened version of this week's more detailed full episode, which is also available on our feed.Content warning: this conversation includes discussion of child sexual abuse. Support services can be found further down in these show notes.Lawyer and advocate Judy Courtin discusses her work representing survivors of institutional child abuse and how legal technicalities have long protected powerful institutions.You can visit Judy Courtin's website here.Sign the petition here to reverse the High Court Decision Exempting Institutions from Liability for Child AbuseWe're excited to announce the release of Sherele Moody's new podcast, She Matters. Click here to listen on Apple Podcasts, or find it wherever you get your podcasts.Join our Facebook Group here.Do you have information regarding any of the cases discussed on this podcast? Please report it on the Crime Stoppers website or by calling 1800 333 000.For Support: Lifeline on 13 11 1413 YARN on 13 92 76 (24/7 crisis support phone line for Aboriginal and Torres Strait Islander peoples)1800RESPECT: 1800 737 732Blue Knot Helpline: 1300 657 380CREDITS:Host: Meshel LaurieGuest: Judy CourtinExecutive Producer: Matthew TankardEditor: Michael TankardGET IN TOUCH:https://www.australiantruecrimethepodcast.com/Follow the show on Instagram @australiantruecrimepodcast and Facebook Send us a question to have played on the show by recording a voice message here.Email the show at AusTrueCrimePodcast@gmail.com Hosted on Acast. See acast.com/privacy for more information.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Would you ever walk away from a "dream job" to start over from scratch? And if you've spent years building a career inside big brands, does it ever feel like it might be too late to launch your own agency? Most people talk about leaving their corporate job to chase something bigger. Very few actually do it, and even fewer jump without a parachute. Today's featured guest is one of those rare ones. After nearly two decades leading social, content, and influencer teams for household brands, he walked away from his so called dream job to start his own shop without any safety net. Today, he calls himself a brand guy who happens to own an agency. Eric Gray is the owner of Maverick Content Studio, a twelve person, social-first agency for Fortune 500 brands. After a long and successful career in corporate, where he spent eighteen years building high performing social and content teams for companies like Universal Parks & Resorts, Eric realized he did not want the future he saw in front of him. He left Universal with two months of savings and zero clients. His story is a blueprint for leaders wondering whether to leave corporate and build something of their own Today his team works with brands like Advent Health, Winn-Dixie, and Travel + Leisure, helping them build audience, loyalty, and relevance through social-first content. In this episode, we'll discuss: Why target Fortune 500 brands? Why most agencies fail at building their own brand. Leaning on the power of personal brands. The hardest challenge of growing a young agency. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. Walking Away from the Corporate Dream Job At age forty-one, Eric had success on paper but a growing dissatisfaction in real life. He was leading big teams, holding a prestigious role, and doing work others envied. But he felt stuck inside a corporate machine that limited purpose and impact. Although he's thankful for the time he spent in that world, he didn't believe he was living his full purpose inside an organization with lots of bureaucracy. With the support of his family and his pastor, Eric decided he didn't want to get to his later years wishing he had taken more risks and took the jump to find out what could happen if he bet on himself. Leaving was messy, scary, and absolutely not the playbook move. No freelancing ramp up. No contracted clients. It was no tidy transition. Yet he trusted that his experience and network would open the next chapter. Looking back, it did. Why Target Fortune 500 Brands? Most new agency founders start small. Eric went in the opposite direction. He targeted enterprise brands from day one because that is where his expertise lived. He had already built the blueprint inside Universal Parks & Resorts and believed he could help other brands treat social as more than an afterthought. Eric knew many enterprise brands still underinvest in social. They focus on one big campaign or hero asset while ignoring the loyalty and connection that is built through consistent storytelling. His agency's entire model revolves around what he calls the connection strategy. It is the belief that brands win when they create emotional relevance around the stories customers already care about. Furthermore, large brands have large scopes, which also means you do not need forty clients. You just need the right five. That became a core advantage as they started growing. Building the Early Client List Through Relationships Eric did not cold call or blast DMs. He leaned into what he had spent years building. A strong network with strong relationships. Most of their early clients came from people who had worked with Eric before, or from friends of those people inside other major brands. Big companies talk to each other more than you think. This doesn't mean it was easy for them. They still have a lot of work to do to break through. But if you invest in your network before you need it, it becomes your biggest shortcut when you step into entrepreneurship. Why Most Agencies Fail at Building Their Own Brand But Eric points out that almost no agencies truly build their own brand. They hide behind their walls and hope referrals save them. Others talk about themselves, focusing mainly on their people, process, and portfolio. Meanwhile they tell clients to produce consistent content, invest in story, and build an audience. When Eric launched Maverick, he refused to be another guy who leaves a corporate job and posts the generic LinkedIn announcement. He started building his personal brand alongside the agency's brand from day one, and worked with his wife to make his agency look and feel much larger than its actual humble beginnings from their home offce. Perception matters if you want to enter rooms above your weight class. The Power of a Personal Brand Eric leaned into his background in sports radio and launched the Radical Content podcast. Within a few months he secured major guests like the former CMO of Chick-fil-A, the head of digital for NASCAR, and leaders from Crocs and other major brands. Those interviews became relationships. Those relationships became visibility. And that visibility opened doors for the agency. The agency's channels became secondary to Eric's personal channels. Not because the company brand did not matter, but because personal brand builds trust faster than corporate messaging. Systems, Volume, and Practicing What You Preach Eric put serious resources into his content system. It started rough, with a single producer who did not fully work out. But it evolved into an eight person content ecosystem producing weekly episodes, daily clips, statics, and text posts. He treats his own brand as the test kitchen for the strategies they deploy for clients. When you do that, the content feels authentic and the results are real. For him, if you stay in the background and don't talk about who you are and what you do, you're losing valuable opportunities to build your audience. You should be the guinea pig for everything you sell. The Hardest Challenge of Growing a Young Agency Two types of struggles hit new founders: agency struggles and the first time entrepreneur struggles. On the agency side, Eric is unrelenting on talent. He will not hire someone just because they have experience. Their standards are high, which means the search takes longer. Orlando is growing but not a major market for high level social and content talent. They once received nine hundred applicants for a creative director role. On the founder side, the hardest challenge is mental. Building a company that feeds twelve families is a heavy responsibility. The expectations you have for where you think you should be often do not match where you actually are. That gap can mess with your head. Eric uses a list of personal non negotiables to stay mentally sharp: hard morning workouts, time with faith, reading goals daily, taking short breaks during the day, reviewing priorities, and going to bed on time. The last one is the hardest for him. But like most discipline problems, skipping the basics is usually what leads to feeling off. Why Agency Entrepreneurship Requires a Long Game Mindset For Eric, entrepreneurship is staring the hard thing in the face and moving forward anyway, which is where his non-negotiables come in. For his part, Jason has always treated entrepreneurship as a game. Sometimes you do everything right and still get hit with a bad roll of the dice. The goal is not perfection. It is persistence. The memories you keep are rarely the easy seasons. They are the nights you and your team fought through the hard stuff. For this reason, his advice for agency owners is to have fun along the way. Don't wait until your kids are grown or your agency is sold to live. Make the journey the part you enjoy. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
Despite the shocking voicemail that surfaced earlier this week from Kelly Dodd attacking daughter Jolie, Miss Vicki Gunvalson is out in these streets asking for Ms. Dodd's return to RHOC. Heather Dubrow says that's a wrap and that she looks forward to Season 20, but Tamra remains very confused about many things surrounding Season 19 and we cannot say we blame her. Regardless of the reconciliation heard round the world, Teresa still has one major hurdle to overcome if she wants to ever return to RHONJ… Luis Ruelas. Last, but not least, rumors and nastiness surface yet again that NBC is over all the lawsuits, liabilities and cost and wants to end all Housewives soon. Plus, we share an unedited Part III of everyone's shady AF questions from our live show to which we cannot plead the fifth. @behindvelvetrope @davidyontef Learn more about your ad choices. Visit megaphone.fm/adchoices
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training What if growth doesn't make things easier but actually just raises the stakes? Agency life looks glamorous from the outside, but the real growth usually starts in the messy middle. Today's featured guest just wanted to build something of her own, but quickly learned that growth means the challenges get harder, instead of easier, and that your client and team retention will always be the best measures of success, since it means you've managed to build a business that has a real impact on clients and a culture people never want to leave. She'll share the pressure she felt as the agency got bigger, how she learned to celebrate the little wins, and how she built a culture that has truly worked as a strategic advantage. Elyse Lupin is the president and founder of Elysium Marketing Group, a full-service agency specializing in food and franchise marketing. With more than a decade of running the business, she has scaled from a new mom charging a thousand bucks for her first client to leading a well known, franchise-focused marketing team recognized for expertise, execution, and a culture clients genuinely enjoy working with. In this episode, we'll discuss: Why growth gets harder as your agency scales. 2 metrics that actually predict agency success. How culture became her agency's competitive advantage. The importance of letting go instead of babysitting tasks. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. How Mentoring Can Be the Push You Need Elyse started her agency during what most people would consider the absolute worst time to make a career change. She had a newborn, a mortgage, and a job that drained her every morning as she left her child in daycare. That friction reached a breaking point. A mentor tossed out traditional job options, but Elyse surprised even herself when she said, "I just want to start my own thing." Instead of talking her out of it, that mentor became her first client. It's one of those decisions you look back on and realize how thin the line is between staying stuck and building something you love. In the early days, she charged way too little, as nearly all agency owners do for those first engagements. But like she said, ignorance can be a gift. When you are early and scrappy, you move fast and celebrate every small win because you have no idea what's coming next. Why Growth Gets Harder, Not Easier After eleven years, Elyse said she was shocked by how the difficulty of running an agency evolves. Things do get easier in some ways, but each stage comes with a new complexity level. As the agency grew, so did the pressure to hire better people, keep up quality, retain clients, and juggle new demands that never existed in the early days. You go from hands-on fulfillment to team building to culture shaping to visionary leadership. Each level is a different skill set and none of it is simple. Scaling is not a victory lap. It is a longer, more strategic version of the same game you started with: solve the next problem without losing momentum. For Elyse, it's all about stopping to celebrate the little wins and let herself enjoy watching her team crush new challenges. 2 Metrics That Predict Agency Success: Client and Team Retention A lot of agency owners fall into the trap of measuring success by employee count or top line revenue. Elyse prefers to track retention. She considers it far more meaningful. Clients only stick around if they are getting results and some of her clients have been with her agency since the beginning. Employee retention matters just as much, because no amount of growth means anything if the team delivering the work is burning out or bailing. Even during COVID, when most of their food clients disappeared overnight, Elyse's agency found a way to pivot into B2B, protect the team, and still grow. Not at the same pace, but still upward. That speaks to culture, resilience, and leadership. In the end, what really matters is how happy you are in the business, whether or not your team is happy, and how profitable the business actually is. These are the things that will guarantee you stay in business and not start to resent it. How Culture Becomes an Agency's Competitive Advantage Elyse's agency has a spirit week. costume day. concert tshirt day. team jersey day. They joke about team members hearing her excitement through the office walls. But behind the fun is something serious. A happy team performs better, stays longer, and delivers higher quality work. She also implemented rituals that reinforce positivity and growth. Every Friday on remote days, they kick off with Wins of the Week. Team members spotlight others who went above and beyond, which forces everyone to pause and recognize progress. Then there is Elysium Advancement, a bi-weekly internal training where someone teaches a new AI tool or system. It keeps the whole agency sharp without overwhelming everyone with the nonstop flood of new tech. Finding the Balance Between a Remote and In-Person Team Elyse's agency is in office Monday through Thursday and remote on Fridays. She believes their productivity is higher together, especially since half the business is design focused. Instead of 15 email threads, they solve problems in 30 second conversations. Some teams thrive remote. Others thrive together. The important thing is knowing which one your agency needs. For them, an in-person environment helps them move faster and design better. Letting Go: Building Leaders Instead of Babysitting Tasks Most agency founders struggle with this. Elyse has built three strong department heads who now own their areas. Sure, she still has a hand in more than she probably should, but the structure is finally allowing her to think bigger instead of babysitting tasks. She also knows what her team would tell her to stop doing. Being too loud in the office. Which, as problems go, is one of the funnier ones. The Power of Picking a Niche Years ago, Elyse heard this very podcast's advice about niching down and resisted it. Like most agency owners, she felt her client base was too broad to narrow down. After COVID, she finally made the leap and put a stake in the ground around franchise marketing. She got her Certified Franchise Executive credential, doubled down on franchising events, and made franchise marketing a core part of the brand. And the decision paid off immediately. Franchise systems want a partner who understands their world, their FDDs, their local store marketing needs, and their complexity. Her agency became that partner. And with that clarity came authority, opportunity, and recognition. Niching did not reduce her client pool. It strengthened her position and made her easier to hire. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
#665: If you've ever stared at an insurance quote and wondered, “Is this really worth it?”, you're not alone. Liability and umbrella policies can feel like an expensive mystery, especially when your net worth is growing and your risks are shifting. In today's episode, we dig into a listener's dilemma about soaring liability and umbrella insurance costs, and we explore how to think clearly about protection, exposure, and the parts of your portfolio that may already be shielded. Along the way, we unpack how shifting household risks, driver ages, and asset location change the insurance strategy year by year. From there, we take questions about Roth choices, future tax brackets, and whether it's worth giving up investment flexibility to build a stronger tax triangle. These conversations get to the heart of how we balance risk, taxes, and long-term planning in the FI journey. Listener Questions in This Episode Andy asks: How can I protect my $2 million net worth without paying nearly $950 a month for increased auto, home, and umbrella coverage, especially with a teenage driver in the mix? (01:47) Mike asks: Given our high current tax bracket and expected lower tax rate in retirement, does contributing to a Roth still make sense for us? (25:50) Cindy asks: Should I move my rollover IRA into my new 401(k) so I can start doing backdoor Roth contributions, even if the investment choices are more limited? (39:47) Key Takeaways Sometimes the question isn't “umbrella or nothing,” it's “what risk am I truly trying to insure, and for how long,” especially when a teenage driver temporarily changes the household risk profile. You already may have more asset protection than you think. Retirement accounts and primary residences often carry their own layers of protection, which influences how much liability insurance you actually need. The Roth decision hinges less on math in isolation and more on your likely future earnings, work style, and appetite for locking in today's tax rates. Building a balanced tax triangle gives you flexibility later, especially when future tax rates are unknowable and retirement timing is uncertain. Backdoor Roths can be powerful, but only when the tradeoff between investment choice and long-term tax flexibility makes sense for your goals and timeline. Related Episode: Episode 649: Umbrella insurance deep dive Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (00:00) Offense versus defense and setting up today's questions (01:47) Andy asks about protecting a $2 million net worth (12:00) What's already protected and how coverage layers work (17:00) Managing short-term risk when a teenager starts driving (29:50) Mike asks whether high earners should prioritize Roth contributions (35:07) How career trajectory and future tax rates shape Roth logic ( 45:54) Building a balanced tax triangle (47:47) Cindy asks about using a backdoor Roth to shift her tax triangle ( 52:10) Tradeoffs of moving an IRA into a 401k (54:06) How long Roth dollars need to grow to matter Share this episode with a friend, colleagues, your tax advisor: https://affordanything.com/episode665 Learn more about your ad choices. Visit podcastchoices.com/adchoices
© 2020-2026 Ivy Podcast Discovery LLC
