Podcasts about Liability

 Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2025Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityMake sure you mention: CTISUMMER to get FREE data migration!If you're ready to make a real change in your shop's success, join Shop Marketing Pros' Plan With the Pros workshop this October to connect with them and other shop owners. You'll leave with your entire year for 2026 planned out. Click here to register: https://geni.us/PlanWithTheProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into one sleek, digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Ken Miller, owner of 821 Collision and president of AASP New Jersey. Ken outlines the ongoing challenges faced in the collision repair industry, stressing the relentless pressure from insurance companies and their impact on repair quality. He shares a chilling story about uncovering dangerously incomplete repairs on a nearly new vehicle, emphasizing the importance of thorough inspections and documentation. The conversation also explores the increasing overlap between collision and mechanical shops, driven by the complexities of ADAS systems and the need for greater collaboration and education in both fields.00:00 Insurance Challenges Undermine Auto Repair05:09 Tampered Seat Belt System Detected08:00 Post-Collision Inspection Basics12:45 Car Repair Struggles and Inspections13:26 Car Imperfections and Concerns16:43 Professional Responsibility Irrefutable20:29 Insurers' Auto Settlement Practices24:50 Researching Title 17 Regulations28:22 CEO-Employee Pay Gap Concerns32:29 Dispute Over $40K Repairs36:36 Calibration and Liability in Auto Repairs40:22 Reluctance in Auto Repair Challenges42:08 Insurance Companies' Calibration Dispute46:44 Licensure Tied to I-CAR Accreditation50:01 "Advanced Auto Tools Misjudged"51:44 Challenges in Training and Labor Rates55:46 Expanding Mechanical Team in NJ58:14 Enhancing Mechanical Show Value

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training What would happen if one client lawsuit, one hacked account, or one missed renewal completely wiped out your agency? Have you ever stopped to think about how exposed your business really is even if you're “doing everything right”? Today's featured guest started his career working in the insurance industry and eventually found a love for marketing. He talks about the side of agency life most people ignore: protecting what you've built, and breaks down how to safeguard your business with the right insurance, why every agency should have cyber liability coverage, and how a “give first” mindset has helped him land major clients like Daymond John, Chris Voss, and Dr. Benjamin Hardy. Draye Redfern is a serial entrepreneur and the founder of Redfern Media and FractionalCMO. Over the past decade, he's built and sold multiple companies, including a $40M insurance agency acquired by one of Warren Buffett's Berkshire Hathaway subsidiaries. With 15 years in risk management and a passion for modern marketing, Draye now helps businesses scale smarter while protecting their downside. In this episode, we'll discuss: How “Growth Blindness” Can Hurt Your Business. The Hidden Risk Most Agencies Ignore. Why You Probably Need a Cyber Liability Insurance. How to Get Big Clients by being in the Right Rooms. 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 Unlikely Path From Insurance to Marketing Draye grew up in a household where entrepreneurship was a way of life. His dad owned a business, and by age 12, Draye was doing the grunt work: filing papers, scanning documents, and learning what it really meant to keep a company running. He had a front-row seat to the chaos and grit of small business. Over time, Draye realized he had a knack for marketing. His early ideas sometimes outperformed everyone else's, and by his early 20s, he was leading the marketing division of a $28 million firm. Under his direction, they scaled past $40 million in annual revenue. That success led to the company's eventual sale to none other than one of the Berkshire Hathaway companies. Stop Being Growth Blind and Start Protecting the Downside While most marketers are obsessed with lead flow and growth, Draye brings a completely different mindset to the table: protect the downside first. After spending 15 years insurance and the risk management world, he learned that too many businesses are “growth blind.” They're chasing top-line numbers while leaving themselves totally exposed if something goes wrong. For his part, Draye thinks about how to mitigate downside risks first and then, once he has that locked down, then he starts thinking about growth. Admittedly, it's backwards from how most people do it, but it's what makes the most sense to him.  The Hidden Risk Most Agencies Ignore Why does Draye prioritize mitigating downside growth? Most agencies don't think about errors and omissions (E&O) insurance until it's too late. One poorly worded ad, a leaked password, or a miscommunication with a client could lead to a lawsuit that costs hundreds of thousands—if not millions—in legal fees. That's why he recommends a basic “risk protection stack” for agency owners: General Liability – Covers physical damages or slip-and-fall type issues. Employment Practices (EPLI) – Protects against HR-related claims. Errors & Omissions (E&O) – Covers mistakes or oversights in your work. Cyber Liability – Protects against data breaches and hacks. As Draye puts it, marketing agencies hold the keys to dozens of client kingdoms. If you get hacked, they get hacked. Protect yourself first, then scale. Why Every Agency Owner Needs Cyber Liability (and What Happens If You Don't) Most agency owners assume general liability insurance has them covered. Slip-and-fall in the office? Sure. But what about when a client's site gets hacked because one of your team members reused a password? Or when a campaign you ran unintentionally exposes customer data? That's not covered: this is where cyber liability and errors & omissions (E&O) insurance come in. Here's where most people go wrong: they forget to renew. Unlike car or home insurance, E&O and cyber liability policies are “claims-made” policies. That means you're only covered if the policy is active when the claim is filed, not when the incident happened. So if you let your policy lapse, even for a few weeks, you could lose coverage for everything that happened in previous years. That's why many experienced owners “tail out” their policies when they sell or sunset a business. Tail coverage locks in past protection for a set number of years. It costs more upfront but prevents millions in potential exposure later. Keep your coverage active, review it annually, and don't cut corners to save a few hundred bucks. Think of it as part of your agency's operating system, not an optional add-on. Lessons From Selling to Berkshire Hathaway When Berkshire Hathaway came calling, he learned just how deep corporate due diligence can go. “They fly out all their MBAs and basically give your business a financial colonoscopy,” he joked. But that process forced him to see business from a different lens—as an asset, not a job. He walked away with not just a successful exit, but also a new appreciation for how structure, systems, and compliance create enterprise value. How to Get Big Clients: Ask Questions, Be in the Room, and Give First Draye's agency has publicly traded companies in its current client roster, with some notable names including Dr Benjamin Hardy and Chris Voss, and almost all of those brands came to his agency because Draye was in the right rooms to strike up conversation. As he puts it, successful people like to hang around other successful people. To him, his job in the agency at this point is figuring out how to get invited into the room with the right people, which includes joining masterminds and attending events. Even with big clients, Draye recommends offering value first without expecting anything in return. I'll give them an idea of the work you do and, if they like it, they'll have you in mind the next time they need agency services. For instance, after attending a talk by Dr. Benjamin Hardy, Draye had the chance to chat with him and learned he was pulling in over 30,000 email opt-ins a month but wasn't monetizing them. Instead of pitching a retainer, Draye built him a simple funnel — for free — that started generating $10,000 a month in passive revenue. A few months later, Hardy came back and asked, “What else can you do?” That turned into a long-term partnership and a roster of launches that ran for years. How to Stand Out and Make People Feel Seen Draye's other secret weapon is personalization. Not the lazy kind where someone drops your name into a cold email template. Real personalization. When a prospect says they're interested, his team clones a landing page, updates the name in the headline (“Welcome, John!”), and records a 30-second video personally greeting them. The whole process takes fifteen minutes, but it makes people feel like they matter, and that's the part most agencies forget. That simple touch has led to multiple referrals, long-term clients, and lasting loyalty. As Draye puts it, “People don't want to feel like a number. They want to feel like they matter.” This type of simple gesture is usually something clients talk about non-stop, because the more automated the world gets, the more human connection stands out. Old School Is the New Advantage While everyone else is obsessing over AI and inbox deliverability, Draye see a lot of potential on a forgotten channel: direct mail. “People's inboxes are full, but their mailboxes are empty,” he explained. “So, when something real shows up, it stands out.” He's seen massive ROI from direct mail, especially when paired with personalized URLs (PURLs) and custom video. It's more expensive upfront, sure, but it cuts through the noise. Something to keep in mind for agency owners trying to stand out at a time when your client's emails are probably inundated with the same offers everyone is sending out. From his own experience, he says “if I were to look at our client base across the various businesses, the vast majority came from direct mail.” Protect Your Business and Hang Out in Different Rooms Draye shares two pieces of advice for agency owners: You never know what's around the corner, so protect your business. Spend the couple thousand bucks on proper coverage. Don't risk your agency's future over something preventable. Change your rooms. If you only hang out with other marketers, you're limiting your reach. Take Jay Abraham's advice and go fishing in someone else's swimming hole. Attend events for other industries, add value, and you'll be amazed at who you meet. In short, Draye's philosophy blends practical protection with proactive growth. Be bold enough to give first, smart enough to protect what you've built, and intentional enough to show up where the right people are. 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.

On today's episode of AD Nauseam, Amy and Daniel explore the topic of individual liability as it relates to FTC cases, and the importance of listening to complaints and responding appropriately from the start.Questions & Comments: amudge@bakerlaw.com or dkaufman@bakerlaw.com

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Ever wonder why some brand podcasts blow up while others die after five episodes? Or why a few companies seem to build die-hard fans while other can't seem to connect? Today's guest specializes in helping brands create podcasts that deliver true value. He explains how brands can use podcasting to build real connection, not just rack up downloads. From breaking up with the traditional ad world to creating top-ranked shows for global brands, he reveals why consistency, authenticity, and a bit of weirdness might be your secret weapons. Roger Nairn is the Co-Founder and CEO of JAR Podcast Solutions, a brand podcast agency based in Vancouver, BC. With a 25-person team, Roger helps brands like Amazon and Sage create shows that connect deeply with their audiences. After spending over two decades in the advertising world at top agencies like DDB and Cossette, he's now on a mission to show companies that the real ROI of podcasting isn't downloads, it's attention and connection. In this episode, we'll discuss: What brands really want in a podcast. Why consistency beats quick wins. Audiences prefer audio podcasts over video ones. Why is that? 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 Ad Exec to Agency Founder Before podcasting, Roger spent more than 22 years in the traditional advertising world and loved the culture, but he noticed the industry shifting. Programmatic ads were taking over, budgets were shrinking, and the whole game was turning into a race to the bottom. Around the same time, Roger started podcasting as a hobby, mainly as an excuse to talk to people he admired like Seth Godin and Stefan Sagmeister. When he eventually connected with his co-founders, they realized there was a wide-open opportunity for brands to use podcasts in a smarter way. JAR Podcast Solutions was born. The idea wasn't just to launch shows, but to help brands understand their audiences and create the kind of binge-worthy audio content that builds trust over time. What Brands Really Want in a Podcast One of Roger's first steps was sending out message to ten different businesses on LinkedIn. The second response he received referred him to the head of marketing of Sage, a brand whose audience wanted to explore wellness beyond traditional medicine. A few days later they sat down to discuss what a podcast could look like for that brand and ended up creating Well Now, a show about taking control of your health through alternative approaches and powerful personal stories. The show took off, so much so that it briefly outranked Oprah in Apple's health and wellness category. The key wasn't just producing episodes, it was research. Roger's team uncovered what Sage's audience really wanted and built the podcast around those needs. This is true for every brand wanting to launch a podcast: stop creating content for yourself, and start with what your audience actually cares about. Consistency Beats Quick Wins Contrary to what many think, podcasting is not an overnight growth hack. Too many brands think they'll see results instantly. The reality is building an audience takes time. The good news is that, according to Roger, the podcast industry remains incredibly friendly and willing to collaborate, which is a great way reach new audiences. Other important steps to grow include pitching your show to big platforms like Apple Podcasts and getting them to feature it, as well as the actual merchandizing of the show. All of this, however, will amount to nothing without the most important element: consistency. If you want to stay consistent, do not compare yourself with the big players out there. This is the biggest enemy of consistency and will only lead to frustration. Don't expect to be the next Joe Rogan in year one or you'll end up disappointed and unmotivated to keep posting. Instead of focusing on vanity metrics like downloads, Roger recommends focusing on consumption. Without a doubt, creating a podcast might be the single most important things you can do to build your brand. If your listeners are spending two hours a month with the brand, that's two hours of intimate attention—something no other marketing channel can match. Why Audio Wins Over Video While many companies want both video and audio, audio tends to outperform. According to Roger, this happens because listening to a podcast is intimate. It's you in someone's ear while they drive, work out, or walk the dog. It's “me time,” not multitasking. Compare that to video, where distractions are constant and attention spans are short. Unless you're a celebrity like the Kelce brothers or Joe Rogan, most people aren't going to watch two talking heads for hours. They'll sample a short video clip, but they'll actually consume the full conversation in audio. The portability of podcasts makes them an executive's favorite medium, because you can take them anywhere, from the car to the gym to the airport lounge. In fact, new research shows that people will switch how they're watching throughout the day. They may start watching it on their TV and later switch to audio while they're at the gym. The Real Secret: Authenticity Over Perfection Beyond consistency, Roger emphasized that the best podcasts bring personality and vulnerability to the table. Listeners don't want a polished corporate message. They want the real you with flaws, mistakes, and all. Listeners often recall personal details Jason's mentioned on the show, like anecdotes about Aspen. That intimacy is what makes podcasts such a powerful trust-building tool. The trick is to stop trying to sound like someone else. Early on, stop trying to be the next Gary Vee and see how much better authenticity works with the audience. As long as you're being yourself and keep consistent with posting, you can become that reliable friend that is now part of their routine and consistently delivers value to them. Once they're loyal listeners who trust you, joining your community - or even buying from you - becomes a natural next step. The Weird Side of Podcasting Of course, every podcaster has their weird stories. For his part, Roger recalled recording with a guest who had to set up shop in a hotel closet, surrounded by pillows and blankets, just to dampen the echo. Not glamorous, but it worked. Jason has also recorded a podcast at a hotel room, when right after a speaking event he was approached by two attendees who said they inspired him to start their own podcast and would go buy the equipment right that moment and wanted him to be their first guest. They saw the opportunity and took it. This is the reality of podcasting: it's not about perfection, it's about connection. If you're waiting for the perfect studio setup or production conditions, you'll never start. Get scrappy, launch, and let the consistency carry you forward. 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.

From internet service providers facing billion-dollar lawsuits for their users' file sharing to Amazon's smart displays turning into ad machines, the future of your connected life is up for grabs. If you want to know who's really pulling the strings in tech and where the battle lines are being drawn, this is the episode you can't miss. October Term 2025 Supreme Court denies Google's request to pause Play Store changes while it appeals Epic case I Want A New Drug. A Vaccine Even. And A Functioning FDA, CDC, NIH, Etc... AI videos of dead celebrities are horrifying many of their families Amazon's giant ads have ruined the Echo Show Chat Control: Germany says NEIN Apple Banned an App That Simply Archived Videos of ICE Abuses China Flexed. Trump Hit Back. So Much for the Thaw. Taiwan sees no significant impact on chip sector from China rare earths curbs FCC Chair Brendan Carr says major US online retailers have removed several million listings for prohibited Chinese electronics as part of the agency's crackdown Windows 10 support ends October 14, but here's how to get an extra year for free California bans loud commercials on Netflix, Hulu, and other streaming services Synology Reverses Policy Banning Third-Party HDDs After NAS sales plummet TiVo Exiting Legacy DVR Business - Media Play News Introducing Figure 03 Host: Leo Laporte Guests: Cathy Gellis, Jennifer Pattison Tuohy, and Gary Rivlin Download or subscribe to This Week in Tech at https://twit.tv/shows/this-week-in-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: fieldofgreens.com Promo Code "TWIT" NetSuite.com/TWIT shopify.com/twit bitwarden.com/twit expressvpn.com/twit

From internet service providers facing billion-dollar lawsuits for their users' file sharing to Amazon's smart displays turning into ad machines, the future of your connected life is up for grabs. If you want to know who's really pulling the strings in tech and where the battle lines are being drawn, this is the episode you can't miss. October Term 2025 Supreme Court denies Google's request to pause Play Store changes while it appeals Epic case I Want A New Drug. A Vaccine Even. And A Functioning FDA, CDC, NIH, Etc... AI videos of dead celebrities are horrifying many of their families Amazon's giant ads have ruined the Echo Show Chat Control: Germany says NEIN Apple Banned an App That Simply Archived Videos of ICE Abuses China Flexed. Trump Hit Back. So Much for the Thaw. Taiwan sees no significant impact on chip sector from China rare earths curbs FCC Chair Brendan Carr says major US online retailers have removed several million listings for prohibited Chinese electronics as part of the agency's crackdown Windows 10 support ends October 14, but here's how to get an extra year for free California bans loud commercials on Netflix, Hulu, and other streaming services Synology Reverses Policy Banning Third-Party HDDs After NAS sales plummet TiVo Exiting Legacy DVR Business - Media Play News Introducing Figure 03 Host: Leo Laporte Guests: Cathy Gellis, Jennifer Pattison Tuohy, and Gary Rivlin Download or subscribe to This Week in Tech at https://twit.tv/shows/this-week-in-tech Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: fieldofgreens.com Promo Code "TWIT" NetSuite.com/TWIT shopify.com/twit bitwarden.com/twit expressvpn.com/twit

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training What do you do when your career takes an unexpected left turn? And how do you know when it's time to stop hustling like a freelancer and start leading like a CEO? Today's featured guest found herself in that situation and made the bold choice to go from career misstep to becoming an agency owner. She'll dive into what it really takes to go from a one-woman shop with dial-up internet to leading a team with vision, systems, and staying power. From handwritten letters with a 15% close rate to breaking free from client dependency and leveraging AI without losing the human touch, she shares the hard-earned lessons every agency owner needs to hear. Kriston Sellier is the President and Founder of Id8, a specialized branding agency based in Atlanta. With more than 25 years in the business, she's built a reputation for helping food, beverage, and manufacturing brands stand out and thrive. Kriston is passionate about research-driven branding, cultivating strong communities, and proving that the human side of leadership is just as critical as the strategy. In this episode, we'll discuss:                                    Starting over after being fired. Outgrowing freelance mode. What do agency owners need to grow? 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. Thriving in the Agency World After Being Fired Kriston didn't step into agency ownership with a clean, corporate plan. She was fired. After leaving IBM to co-found an agency, she found herself pushed out after a handshake deal gone wrong. At 20-something, she was suddenly unemployed and staring down two options: get another job or finally chase her dream of starting her own shop. It wasn't easy, but that leap turned out to be the right one. Starting out with no clients, she set a modest goal of making $35,000 in her first year. Instead, she closed out her first nine months with $90,000. That was the moment she knew she wasn't just freelancing; she was building something real. From Cold Calls to Handwritten Letters: Building the First Client Base Kriston started with just a basement office and dial-up internet. Since this was the 90s, if her husband picked up the phone line upstairs it would disconnect the whole system. She started out making cold calls to every food and beverage brand in the Yellow Pages. Additionally, she also sent handwritten letters pitching her services, yielding an impressive 15% close rate. In today's digital-first world, that kind of return sounds impossible, but back then it got her first wave of clients. It's a reminder that persistence and a personal touch can cut through the noise, even if the tools have changed. Outgrowing Freelance Mode and Thinking Like a CEO Like many agency owners, Kriston spent the early years acting more like a freelancer than a CEO. That all changed in 2006 when one client made up 75% of her business. The sleepless nights and anxiety from being handcuffed to a single account forced her to rethink everything. A colleague recommended working with a business consultant, so Kriston hired one and for four years, she worked with a full-time consultant who helped her transition from operator to CEO. That shift meant putting systems in place, committing to sales, and most importantly, diversifying her client base. Within the first year of working with her consultant, she added 25 new clients and broke free from the one-client trap. What Agency CEOs Need to Grow? Kriston strongly believes that CEOs should surround themselves with subject matter experts. Every agency owner needs a good advisory board that tells them the truths they doesn't necessarily want to hear, which is why she recommends relying on financial, HR, and sales consultants that can help you look at things from a different perspective. Regarding her role as CEO, Kriston definitely sees herself as more of a coach than a manager. For her, leadership is about helping team members uncover the real issues behind their challenges and guiding them to their own solutions. Likewise, the best team members are those who show they're coachable and open to feedback. She doesn't see failure as the end of the road but as a symptom of something deeper. Her job is to help her team ask the right questions, recognize the root cause, and take ownership of the fix. That shift from micromanaging tasks to coaching outcomes not only freed her up as a leader but also empowered her team to make better decisions without her constant oversight. AI, Research, and the Future of Agencies Running a research-based agency, Kriston is a big fan of Perplexity, a research-focused AI she uses 20–40 times a day for everything from writing stronger emails to analyzing massive datasets. But she's quick to point out that AI isn't a replacement for agencies—it's an enhancer. Where some fear AI will eliminate agency work, Kriston agrees that companies will still want experts to navigate the complexity and not DIY everything themselves. Clients may use AI for certain tasks, but they'll still rely on agencies for strategy, creativity, and execution.. AI + human expertise is the winning formula. And with large organizations outsourcing more marketing again, Kriston believes the future is bright for agencies that bring innovation, research, and personal connection to the table. Cooperation Over Competition Kriston wants agency owners to stop treating each other like competitors and start seeing each other as collaborators. She believes the industry's future depends on agency owners being open, honest, and willing to share both wins and lessons learned. Most agency owners see every other shop as a threat when they're starting out, fearful of competition instead of open to collaboration. At some point, however, through masterminds and peer groups, they come to realize the real growth comes when owners start to build community and create strategic partnerships. For Kriston, it all comes back to community, the same mission she set when she started ID8 decades ago. Build the community, and the business will follow. 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.

Dog bites, slips and falls, tenant injuries... what's typically covered (and what isn't) under homeowner and landlord policies. Then a quick primer on the Fourth Amendment: when police can (and can't) enter your home, and why not opening the door matters unless there's a warrant or exigent circumstances.Learn how to invest in real estate with the Cashflow 2.0 System! Your business in a box with 1:1 coaching, motivated seller leads, & softwares. https://www.wealthyinvestor.com/Want to work 1:1 with Ryan Pineda? Apply at ryanpineda.comJoin our FREE community, weekly calls, and bible studies for Christian entrepreneurs and business people. https://tentmakers.us/Want to grow your business and network with elite entrepreneurs on world-class golf courses? Apply now to join Mastermind19 – Ryan Pineda's private golf mastermind for high-level founders and dealmakers. www.mastermind19.com--- About Ryan Pineda: Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue. Ryan has amassed over 2 million followers on social media and has generated over 1 billion views online. Starting as a minor league baseball player making less than $2,000 a month, Ryan is now worth over $100 million. He shares his experiences in building wealth and believes that anyone can change their life with real estate investing. ...

Watch the full coverage of the live stream on  ⁨@TheEmilyDBaker⁩  YouTube channel: https://youtu.be/xJUJNoRx2DU Join us as we dive into the dramatic second part of the Cardi B trial, where unexpected twists and courtroom confrontations take center stage. The other two eye witnesses took the stand. Tierra Malcolm, the front desk receptionist at the doctor's office, provides a detailed account of the altercation, including being caught between Cardi B and Emani Ellis. Tierra describes being scratched on her forehead during the chaotic encounter. Though she can only assume it was Emani who scratched her because Cardi B was behind her the entire time. Dr. David Finke, Cardi B's OBGYN that day, was allowed to testify. He recounts demanding Emani Ellis multiple times but she would not follow his orders until a long time. This was the only time something like this happened in his practice. The jury reaches a unanimous "no liability" verdict in favor of Cardi B on all counts, including assault, battery, intentional infliction of emotional distress, and negligence. Hear Cardi B's powerful post-verdict statement, where she firmly denies the allegations and issues a warning against frivolous lawsuits. The plaintiff, Emani Ellis, expresses disappointment with the verdict, attributing it to a flawed justice system RESOURCES Cardi B Trial Part 1 - https://www.youtube.com/watch?v=HCqlINOcqaMDonna Adelson Trial - https://www.youtube.com/playlist?list=PLsbUyvZas7gL0_OPy2AliqyEjGcI8QzBu STAY IN THE LOOP WITH EMILY D. BAKER Download Our FREE App: https://lawnerdapp.com Get the Free Email Alert: https://www.LawNerdAlert.com Case Requests & Business Inquiries: TeamEmilyDBaker@wmeagency.com Help with the shop: https://www.lawnerdshop.com/pages/contact Mailing Address: Emily D. Baker 2000 Mallory Ln. St. 130-185, Franklin TN 37067 LAW NERD MERCH! https://www.LawNerdShop.com LONG FORM CONTENT https://www.youtube.com/@TheEmilyDBaker The Emily Show Podcast on YouTube: https://emilydbaker.com/TheEmilyShowPlaylist Apple Podcasts: https://emilydbaker.com/AppleTheEmilyShow Spotify Podcasts: https://emilydbaker.com/SpofityTheEmilyShow On your favorite podcast player Mondays EMILY ON SOCIAL @TheEmilyDBaker Instagram: https://www.Instagram.com/TheEmilyDBaker Twitter: https://www.Twitter.com/TheEmilyDBaker Facebook: https://www.facebook.com/TheEmilyDBaker MY YOUTUBE TOOLS **My Favorite YOUTUBE TOOL VidIQ https://vidiq.com/LawNerd Follow My Cats on Instagram: https://www.instagram.com/fredandgeorge_cat Emily's glasses lenses are Irlen tint https://www.irlen.com *This video is not legal advice; it is commentary for educational and entertainment purposes. Some links shared are affiliate links, all sponsorships are stated in video. Videos are based on publicly available information unless otherwise stated. Sharing a resource is not an endorsement; it is a resource. Copyright 2020-2025 Baker Media, LLC* Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on “Run a Profitable Gym,” host Mike Warkentin talks with attorney and former gym owner Matthew Becker of Gym Lawyers PLLC about how to use AI safely in your business without creating massive liability.Matthew breaks down the legal risks gym owners face when using AI tools, including operating outside their scope of practice, violating privacy laws and infringing on copyright.Improper AI use can even increase exposure to lawsuits and eliminate liability protection.So how can gym owners use AI without endangering their businesses?Matthew recommends fitness entrepreneurs use AI as a research and education tool, not as a substitute for professional services, and leverage it to streamline admin work, generate ideas and polish client-facing materials.Check out the full episode to find out how to save time with new technology while keeping your gym insulated from legal risk.You can get in touch with Matt at Gym Lawyers PLLC via the link below. LinksGym Lawyers PLLCGym Owners UnitedBook a Call3:06 - Scope of practice dangers7:32 - Increasing exposure & liability14:23 - Skipping professional support17:12 - Uploading confidential information25:34 - How to use AI safely

Is your AI built on quicksand? Learn how bad data, poisoned datasets, and deep fakes threaten your AI systems, and what to do about it.In this episode of CXOTalk (#896), AI luminaries Dr. David Bray and Dr. Anthony Scriffignano reveal the hidden dangers lurking in your AI foundations. They share practical strategies for building trustworthy AI systems and escaping the "AI quicksand" that traps countless organizations.

Chamarri Conner has been a liability in pass coverage full 384 Thu, 09 Oct 2025 15:43:50 +0000 9gHYELiwpKH3RT0kEN7LCZYaGkU45ZJ1 nfl,kansas city chiefs,society & culture Cody & Gold nfl,kansas city chiefs,society & culture Chamarri Conner has been a liability in pass coverage Hosts Cody Tapp & Alex Gold team up for 610 Sports Radio's newest mid-day show "Cody & Gold."  Two born & raised Kansas Citians, Cody & Gold have been through all the highs and lows as a KC sports fan and they know the passion Kansas City has for their sports teams."Cody & Gold" will be a show focused on smart, sports conversation with the best voices from KC and around the country. It will also feature our listeners with your calls, texts & tweets as we want you to be a part of the show, not just a listener.  Cody & Gold, weekdays 10a-2p on 610 Sports Radio.  2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?

The sisters owned a Dairy Queen and paid their employees every two weeks, but the law in NY required weekly paychecks - a law many people did not know about. Lawsuits by employees exposed the owners to $6 million in liability but they eventually settled for less. The law has also been changed. https://www.lehtoslaw.com

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you really implementing AI in your agency the right way? Adding a random tool just to say you “use AI” isn't the game changer many agency owners hope it will be. In fact, chasing shiny AI solutions can waste time, drain resources, and create tools your team never actually uses. Many agency leaders, especially those aiming to build a sellable business, assume any form of AI integration will automatically boost their agency's value. But today's featured guest strongly disagrees. He's seen firsthand how agencies fall into the trap of building solutions first and searching for problems later, a costly mistake that does more harm than good. Instead, he's here to share how to approach AI adoption strategically, in ways that actually stick and drive real results. Ken McLoud is the CEO of Laconic Technologies, a business that aims to help agencies figure out how to make AI actually useful. His specialty is finding high-leverage spots in your agency where AI can unlock growth without bloating your headcount. Ken helps owners avoid wasted tools and instead roll out AI that gives their teams real superpowers. In this episode we'll discuss: How agency owners are forcing AI integration the wrong way. When to use custom code. A case study of real world wins and misses. The future of AI in agencies. 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. Stop Forcing AI Where It Doesn't Belong Ken specializes in helping agency owners start to think strategically about AI. One of the first things he warns about is the “solution in search of a problem” trap. Too many agency owners decide, “We need to be using AI somewhere,” and then jam it into the wrong part of the business. That usually leads to tools that sound cool but don't move the needle, or worse, meet resistance from the very team that's supposed to use them. Instead, Ken suggests starting with the business itself. Are you demand-constrained (needing more leads) or supply-constrained (too much work, not enough capacity)? His litmus test is simple: if a fairy godmother doubled your clients overnight, would you cheer or panic? That answer tells you where the bottleneck really is, and that's the exact spot where AI should be applied. Case Study: Smarter Finance Insights with AskQuick.ai Ken worked to build AskQuick.ai with Nate Jenson, a fractional CFO who worked with tons of agencies. Nate had deep financial expertise but needed a way to scale his brain. Together, they built AskQuick.ai, a chatbot trained on Nate's own textbook of agency finance. The result was a tool that taps into a client's QuickBooks data to deliver specific insights, like spotting which clients are actually losing money. After a rebrand, he is now marketing the product as a simple, agency-friendly tool rather than a complex back-end. No-Code Tools vs. Custom Code: Where's the Breaking Point? Every agency owner has been tempted by tools like N8N, Zapier, or Make.com. According to Ken, these tools are perfect for simple workflows and stuff you could explain in one or two sentences. These tools are often pitched as something anyone with a computer and no experience ca n use, but once your automation starts piling up with dozens of nodes, things break constantly, and you spend more time fixing than benefiting. That's when it's smarter to build custom code. Ken compares it to driving stick shift: more control, less frustration, and often a way faster solution. AI As a Superpower Not a Replacement For Ken, the real promise of AI isn't replacing people, but rather upgrading them. He calls it “giving your team superpowers.” By offloading the repetitive, low-value work to AI, you free up your people to focus on strategy, creativity, and client impact. Instead of fearing AI, most teams welcome it. Nobody loves repetitive tasks, and when you use AI to clear that away, your staff gets to spend more time on what actually lights them up. Real-World Wins (and Misses) If you're wondering how some agencies are using AI right, Ken has seen quite a few examples. For instance, an Australian medical agency built a custom chatbot trained on years of proprietary medical content. The tool now helps their writers quickly draft accurate, technical marketing content; something that would have taken hours of research before. Huge win. On the other hand, this agency built a classic example of a solution in search of a problem. Basically, the owner wanted an elaborate folder system to organize AI chats. It sounded clever, but the writers never actually needed it. Why? Because new AI queries were faster than digging through folders. A perfect example of chasing a solution before identifying a real problem. The Future of AI in Agencies in Plain English Looking ahead, Ken sees AI becoming a tool to replace code and processes. Many things we used to hardwire with messy “if-this-then-that” logic can now be handled with prompts. That means non-technical agency owners can adjust systems in plain English instead of hiring a developer every time they need a change. These tools can make all the difference for agencies that get hundreds of deals come through every day and need a quick way to sort through the ones that can be most profitable from those that likely won't. In these cases speed is everything and AI can deliver in a way that human response cannot. However, Ken is also clear that not every problem should be handed to AI. High-value, low-risk areas, like grading prospects or filtering opportunities, are perfect testing grounds. Mission-critical, high-risk functions will probably still need human oversight for a while. 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.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Most agencies don't make it 25 years but Bill Swanston's has. From surviving 9/11 to leading a 30-person team through COVID, Bill shares how Bosun (formerly Frederick Swanston) adapted, learned to love KPIs, empowered their team, and even pulled off a successful rebrand. His story proves you can survive the toughest agency seasons and come out stronger—if you track the right numbers, avoid “superclient” risk, and learn to truly let go. What You'll Learn Why resilience (not just growth hacks) is the real agency survival skill How ignoring KPIs almost cost the agency big—and how to avoid that mistake Why letting go of control is the only way to grow past founder-dependence What a rebrand really signals about an agency's maturity and leadership shift The hidden dangers of relying on a “superclient” Key Takeaways Keep overhead light in uncertain times—it gives you room to maneuver when crises hit. Track your KPIs like a client project: salaries as % of AGI, AGI per employee, revenue per client. Don't rely on a single client for survival—client concentration is a silent killer. Empower your team early—you can't scale if you're reviewing every deliverable yourself. Rebrands work when they reflect a cultural shift—not just a new logo. What does it really take to keep an agency alive through market crashes, pandemics, and the endless grind without burning out or losing your edge? Today's featured guest will unpack his journey from starting in a basement with a couple of clients to leading a 30-person team through some of the toughest seasons an agency can face. From navigating financial blind spots to learning how to actually let go and trust his team, and the reason the agency's 25th anniversary actually marked a big shift with a new rebrand. Bill Swanston is the president and founder of Bosun, an Atlanta-based agency that just celebrated its 25th anniversary. Formerly known as Frederick Swanston, the agency has weathered market crashes, client shakeups, and a pandemic while building a powerhouse team with deep creative and digital chops. In this episode, we'll discuss: The challenges that really tested the agency's resilience. How learning to love KPIs saved the business. Why rebrand after 25 years? 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. Building Through Adversity and Surviving 9/11 After moving back to Atlanta from New York, Bill was freelancing at BBDO and thinking about switching to smaller agency. As he saw it, it was better to be a big fish in a smaller pond. Unfortunately, his gig at the smaller agency was short lived, since the agency shut down for good. Instead of packing it in, Bill and his partner Scott Frederick grabbed a few clients, set up shop in a basement, and got to work. Built-in revenue gave them a smoother start than most scrappy entrepreneurs, but reality set in quickly. By the early 2000s, they were hit hard by 9/11 and its ripple effect on corporate events. It was a reminder that whether you're at a big holding company or running your own small shop, stability is often an illusion. Surviving those first waves meant keeping overhead light, grinding it out, and learning how to adapt before the word “pivot” became a business cliché. The Challenge that Really Tested the Agency's Resilience Partnerships can make or break an agency and Bill admits the early years with his partner had their rough patches, not as creatives, but as business owners learning how to disagree productively. Over time, their different strengths meshed into what became a powerful leadership duo. But nothing tested the agency quite like COVID. With a staff of 30 suddenly looking to them for answers, the partners had to act fast. They slashed salaries, cut their own pay completely, and relied on federal relief programs like PPP loans to keep the team intact. That lifeline, combined with quick adjustments, got them back on track. As Bill put it, “It was the absolute worst period of time for the agency. But we came out stronger because we had no choice but to figure it out fast.” From Gut Instinct to KPIs That Saved the Business Like a lot of creative-led shops, Bill and his partner weren't exactly obsessed with financial metrics at first. According to Bill, they mostly leaned on QuickBooks, check-writing, and gut instincts. That worked until it didn't. By the time they realized improprieties had slipped under the radar, they knew it was time to upgrade. Today, they track everything from salaries as a percentage of adjusted gross income to AGI per employee to recurring revenue versus project-based work. They also look at revenue per client to ensure there isn't any one account that is overwhelming the team. Like many agencies, they had this happen at one point, with a client that accounted for 50% of their billing. He remembers being scared once this client started to dwindle as a result of the ‘08 crisis, which taught him the danger of relying on superclients that can walk away and take half your revenue with them. Bill stresses that KPIs aren't about being a math whiz, but about having clarity. Knowing your true profitability by client or department means you stop guessing and start making better decisions. “We do it for our clients,” he said, “so we've got to do it for ourselves too.” Nowadays, he works with an external CPA and an internal comptroller who help him keep an eye on the agency's finances. Pro tip: If you're not yet at the point where you can have a CFO but don't know where to start to assess your agency's financials, use askquick.ai. It's a tool developed by Jason and his team that'll help you figure out your most profitable clients, assess your financial red flags, measure your KPIs, and more. Learning to Let Go and Empower the Team For the first decade, Bill and Scott were deep in the weeds, reviewing every creative output, managing every account, carrying the business on their backs. Eventually, the workload became too much and they had to learn how to trust others. Empowering team members to make real decisions wasn't easy. It started organically as new hires took over account management, media, and digital responsibilities. Over time, Bill realized the work improved when people felt ownership and felt empowered to shape the agency. “The ability to let go and trust others is essential to grow your agency,” he says. This trust not only gave the agency room to grow but also gave Bill and Scott the freedom to step back from being prisoners of their own business. Why Would a 25 Year Old Agency Rebrand Now? After two and a half decades as Frederick Swanston, the founders made the bold move to rebrand as Bosun to better reflect what they'd become. The decision was about more than a new logo. According to Bill, keeping their surnames in the brand felt too self-centered and didn't reflect the agency's culture. The rebrand signaled a shift: it's not about Bill or Scott anymore. It's about the team, the clients, and the relationships that actually fuel the work. While rebrands often make clients nervous, Bill said the transition was seamless. In fact, many partners celebrated alongside them, proving that strong relationships matter more than the name on the door. 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 you choose a normal birth with twins?In this episode, I speak with Nicole, a mother from South Africa now living in the U.S., who chose sovereignty in one of the most medicalized and “high-risk” experiences imaginable: an identical twin pregnancy. From the very beginning, she was met with fear-based narratives—warnings of stillbirth, premature labor, and twin-to-twin transfusion syndrome. But after enduring traumatic experiences in hospitals and with midwives, Nicole knew she would not birth her twins within the system.Instead, she underwent a profound process of deconditioning and committed to trusting her body. With the steady support of her husband, a Radical Birth Keeper graduate, and a community of women walking this same path, Nicole carried her twins to 40 weeks and welcomed them at home, in embodied sovereignty.Nicole shares the raw reality of holding responsibility for twins outside the system: the constant conversations about risk, the deep conviction it took to turn away completely, and the profound freedom of reclaiming birth on her own terms.Inside this episode:What Nicole witnessed in the hospital that made her vow never to returnHow she carried her twins to full term, trusting her body's wisdomThe support she found in a community of sovereign mothersWhat labor with twins looked like at homeThe double standard of blame when outcomes differ at home versus in the hospitalThe freedom and healing that come with birthing twins in sovereigntyTimestamps:[00:00] Introduction[02:59] Two miscarriages and lack of support and answers from the medical system[07:05] Receiving news of a third unviable pregnancy and deciding not to take the pill[09:02] Discovering that the medical system was wrong about her third pregnancy, and that her baby was alive and healthy in her womb[11:19] Birthing her first son in a birthing center with a midwife, forced interventions, a fourth degree tear, and newborn separation[21:36] Postpartum hospital trauma, overreactions and threats[25:15] Another miscarriage and humiliating hospital treatment[32:13] Finding out she was pregnant with twins, midwife refusing to provide care, and choosing freebirth[1:00:00] Freebirthing her twins at home with her husband and birth attendant presentIf you want to connect more with Nicole, follow her on Instagram.Find more from Emilee on Instagram, YouTube and the Free Birth Society website.Disclaimer: Free Birth Society, LLC of North Carolina shares personal and educational stories and experiences related to freebirth and holistic care. This content is not medical advice, and we are not a licensed midwifery practice. Testimonials reflect individual experiences; results may vary. For services or scheduling, contact info@freebirthsociety.com. See full disclaimer at freebirthsociety.com/youtubeterms.

How an LLC can Increase Your WA Estate Tax Liability

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you still thinking of AI as just “ChatGPT with a better prompt”? Or maybe you've played around with Zapier automations and thought, yeah, that's good enough. Today's featured guest knows that the agencies pulling ahead right now are building full-on AI agent networks that replace routine tasks, streamline data pipelines, and give their teams superpowers. She's re-engineering her agency around AI and will talk about where she finds top-tier talent and why you don't need to code to lead your agency into the future. Jennifer Bagley is the CEO and founder of CI Web Group, a fully virtual digital marketing agency registered in 22 U.S. states with clients across the United States and Canada. A former corporate operator turned entrepreneur, Jennifer started in real estate and mortgage brokerage before leaning into the marketing work she built to support those businesses. Today she runs a modern, tech-forward agency that's rebuilt its stack around AI, centralized data, and agentic networks, all while carrying the scars and lessons of scaling, pivoting, and re-founding a business from the ground up. In this episode, we'll discuss: Feeling trapped by the business. Hiring, firing, and the people reset AI, reskilling, and the end of “middle” roles What does this talent cost? 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 Corporate Ladder to Accidental Agency Founder Jennifer came from an operations background, a self-proclaimed black belt in Six Sigma and certified project manager. Having built that corporate background, she had made a promise to herself (“by 30 I'll be an entrepreneur”), and started to build the side hustle that became the main event. She started in real estate and mortgage brokering where she had to learn marketing the hard way; not because she wanted to be a marketer, but because the survival of her businesses depended on it. Initially, Jennifer didn't set out to build a scalable agency; she built a team to support her broker network. When the market collapsed in 2008, the same team that did marketing for agents suddenly had a market outside real estate. That “we'll just help this painter or HVAC company” phase is where the web group was born: small, service-focused, and useful to people in her network. That accidental turn became a business by solving real, pressing problems for paying clients, then leaned into that. Trading Time for Freedom: The Hard Pivot For the first five years, Jennifer describes the business as a “lifestyle” operation, profitable maybe, but trapping her time. She was trading billable hours for income and was reaching her limit when she hired a coach that forced a reckoning: if entrepreneurship isn't buying you time, money, and freedom, what's the point? So she made the brutal choice of cutting consulting contracts and burning the bridge to the “safety” of hourly work, and effectively gave herself a mulligan. This is the classic founder pivot: you have to choose between growth that keeps you doing the work and growth that scales the business without you. Jennifer's reset wasn't pretty, for a while she lost everything and she and her son lived in an office for a while, but it bought her the permission to build something salable, not just sustainable. Agency owners who feel trapped in delivery need to remember that sometimes you have to give up short-term revenue to create long-term value. Feeling Trapped by the Agency and Becoming a CEO Those first five years, Jennifer continued to run a business that started as a supply chain consulting and eventually turned into a sales supply chain consulting. This change meant the business was now a good lead generator for the agency but it also meant Jennifer was essentially selling her image and her time. Until she ran out of time. Once she felt trapped by the business, Jennifer actually hired a business coach that helped her change the model from “selling Jennifer with marketing on the side” to an actual sustainable business. She had to go back to the basics and remember she, like every entrepreneur, started the business with the idea of having more time, money, and freedom. It took losing everything, but Jennifer knew she didn't want a lifestyle business, she wanted a sellable business. The antidote was delegation plus systems. If you want growth and a future exit, you need to own those CEO responsibilities and be comfortable with letting go of the day-to-day. Hiring, Firing, and Resetting the Team Jennifer's talent strategy has evolved with each stage of growth. Her early hires were the classic “friends, family, fools” bootstrap crew; later she invested in developers, content teams, project managers, and over time, more strategic hires like CFOs, chief of staff, BI teams, and AI engineers. Each five-year arc brought a new set of needs and a new level of sophistication in hiring. Now, she divides her time between promoting her agency's work in podcasts and content and thinking of ways to navigate her business in these volatile and exciting times. Her most recent addition to the team was a technology and transformation team that is revisiting all of the agency's processes, investments, and infrastructure. As a result, she has downsized her team from over 300 W2 employees and refocus the team. The takeaway for agency owners: be honest about whether your people are builders or maintainers, and hire accordingly. The workforce you need for growth is not the same as the workforce you need for stable operations. Building AI Agent Networks with Centralized Data Jennifer's agency shifted from WordPress to Webflow and built agentic networks: hundreds of AI agents that crawl competitors, do strategy homework, and automate tasks that humans used to do. More importantly, they rebuilt infrastructure into a hub-and-spoke model with a centralized min.io data layer and ETL pipelines feeding analytics and BI. Two big lessons here. One: invest in your tech stack deliberately so you're not a Frankenstein of five different platforms that don't talk to each other. Two: design your data architecture so your people (and your AI agents) have a single source of truth. That's how you get from fire-fighting in six dashboards to proactive, predictive signals that tell you when a client engagement needs attention. AI, Reskilling, and Shrinking Middle Roles Jennifer draws a hard line: the agency now tends to hire either very seasoned client-facing leaders or AI engineers; the middle is shrinking. With agentic networks giving junior staff “superpowers,” the agency can afford fewer mid-level “lever pullers.” At this level there's no room for slow execution or elementary work. That's a cultural and ethical challenge, both for hiring and for workforce development. For agency owners, this raises practical HR questions: do you reskill your people, or replace them? Jennifer suggests building agent-driven systems that augment humans, and being brutally honest about who can grow into that future. It's also a call to action for how we prepare the next generation: schools won't teach this; companies will need to. Playing with AI Platforms: Why Leaders Need to Just Know Enough to Be Dangerous Jennifer started like a lot of agency owners dipping into AI, playing around on tools like n8n, Make.com, Relevance, and Longchain. Her dev team laughed, calling her an “elementary school kid on a tricycle,” but here's the point: she didn't need to master the tech. She needed to know enough to point her team in the right direction. Instead of obsessing over code, she framed the problem differently: “Here's what I don't want a human doing anymore. Can you make that happen?” That mindset shift is key for agency owners. You don't need to be a full-stack AI engineer to lead an agency into the future; you just need to clearly define outcomes and invest in people who can deliver them. Find Real AI Talent in Unlikely Places This is where most agencies get stuck. You're not going to find your next AI architect on Upwork. Jennifer leaned on her network, starting with her cousin Chris, a hardcore developer who initially thought AI platforms were “rookie business.” Once Chris realized the power of agentic networks to scale his expertise, he became the backbone of CI Web Group's transformation. Now, she hunts talent in unconventional places: hackathons, LinkedIn, and especially YouTube. Forget the flashy “10x growth hack” videos — she looks for nerds with four views, geeking out about orchestrators and ETL pipelines. Those are the builders who care about solving real problems, not just building hype. Her tip: if you find one, reach out immediately. They don't want sales, they just want to build. Designing AI Agents Like an Agency Org Chart Jennifer compares AI agents to a company org chart. You don't hire one person to do everything, that's a recipe for burnout. Same thing with AI. Each agent should tightly focus on a single task, with checks, auditors, and orchestrators overseeing the system. The payoff was massive efficiency gains. Instead of six different platforms that don't talk, her agency built a centralized hub with min.io, ClickHouse, and AI layers on top. That's how you go from patchwork automation to true predictive intelligence. The Real Cost of AI Talent If you're wondering how much this all costs, the answer is… a lot. On the high end, seasoned AI engineers can run you a quarter million in salary. On the low end, Jennifer tests new hires on project-based sprints, maybe $6K for a 10-hour challenge. The point isn't to cut costs; it's to prove quickly who can deliver and who can't. Her recruiting process is brutal but effective: give candidates a project, a tight deadline, and see how they perform. If they stall, they're out. If they screen-share fast and solve problems live, they're in. No fluff, no endless interviews. 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.

This Day in Legal History: First Governmental Recognition of Same-sex RelationshipsOn October 1, 1989, Denmark became the first country in the world to legally recognize same-sex relationships through its Registered Partnership Act. The law allowed homosexual couples to enter into civil unions that granted nearly all of the same legal protections and responsibilities as marriage, except for adoption rights and access to religious marriage ceremonies. The Danish parliament had passed the legislation earlier that year with a strong majority, marking a historic shift in global LGBTQ+ rights.The law was the result of more than a decade of activism by Danish LGBTQ+ rights organizations, particularly the group LBL (Landsforeningen for Bøsser og Lesbiske), which had been advocating for legal recognition since the 1970s. Public support in Denmark was relatively high by the late 1980s, aided by a culture of social liberalism and the country's strong welfare state. When the law took effect, eleven male couples and one female couple registered their partnerships at Copenhagen City Hall in a widely publicized ceremony.International reaction was mixed. Many human rights organizations hailed the Danish move as groundbreaking, while conservative and religious groups elsewhere condemned it. Still, Denmark's action inspired a gradual but undeniable trend. Over the next few decades, many other countries—including Norway, Sweden, and eventually the United States—adopted laws recognizing same-sex unions or full marriage equality.The Registered Partnership Act remained in place until Denmark legalized same-sex marriage in 2012, at which point existing partnerships could be converted into marriages. The 1989 law is now widely regarded as the legal foundation for modern same-sex union legislation worldwide, proving that structural legal change can begin in small, progressive nations and ripple outward.A high-stakes redistricting hearing began October 1, 2025, in El Paso, Texas, where a panel of three federal judges will decide whether the state's new congressional map—redrawn mid-decade—can be used in the 2026 midterms. At issue is whether the map was motivated by unconstitutional racial gerrymandering or permissible political considerations. Texas defends the redraw as a purely partisan move to benefit Republicans, which, while potentially unethical, may be legally protected under Rucho v. Common Cause (2019), a Supreme Court ruling that bars federal courts from reviewing claims of partisan gerrymandering.The plaintiffs, a coalition of minority and voting rights groups, argue that the map violates constitutional protections against racial discrimination, citing a July letter from the DOJ which had warned that the 2021 map was unlawfully racially gerrymandered. Texas initially used that letter to justify the special session called by Gov. Greg Abbott, but has since pivoted to a political defense, potentially undercutting its earlier rationale. The court has set a fast-paced schedule, allowing no opening statements and warning that it will not tolerate delays.Seven lawmakers are expected to testify, and the panel includes judges appointed by Reagan, Obama, and Trump. This same trio heard a race-based challenge to the 2021 map earlier in the year, which became moot after the legislature preemptively redrew the map. Experts say proving racial motivation will be difficult but critical, as plaintiffs cannot legally challenge maps solely for being politically gerrymandered.Texas' Political Aims on Trial as Redistricting Hearing BeginsThe U.S. government officially shut down on October 1, 2025, after Congress failed to pass a funding bill by the end of the fiscal year. The standoff has quickly become a political battle, with President Donald Trump blaming Democrats for pushing a $1.5 trillion agenda and Democrats accusing Trump of sabotaging negotiations and gutting federal programs. Trump's administration is reportedly planning mass terminations of federal workers, going beyond typical furloughs, as part of its long-standing effort to shrink the federal bureaucracy.This shutdown flips the usual script: Republicans now seek a clean continuing resolution to keep the government open, while Democrats are demanding healthcare-related provisions and curbs on Trump's spending discretion. Democratic leaders Chuck Schumer and Hakeem Jeffries are focusing on extending ACA subsidies and reversing Medicaid cuts, but unity within the party remains fragile. Trump has escalated tensions by sharing inflammatory, AI-generated content targeting Democratic leaders, prompting backlash and accusations of racism.Polling suggests that blame is spread, with a third of voters holding both parties responsible. Markets are already reacting to the uncertainty, and concerns are rising about delayed economic data. Some Republicans, including Trump allies, warn that the shutdown could politically backfire on the president, as it did during his 2018 border wall standoff.Trump, Democrats Grapple for Edge as Government Shutdown BeginsA federal judge ruled that Sigal Chattah is not lawfully serving as Nevada's acting U.S. attorney, dealing another blow to the Trump administration's approach to appointing interim federal prosecutors. Judge David G. Campbell, a George W. Bush appointee, found that Chattah's appointment violated the Federal Vacancies Reform Act (FVRA). Specifically, the Attorney General's method of designating her as a “first assistant” to qualify her for the acting role was not consistent with congressional intent under the statute.This decision echoes a similar August ruling in New Jersey, where Alina Habba was also found ineligible to serve as an acting U.S. attorney under the same legal reasoning. Courts have rejected the idea that the Attorney General can bypass standard succession rules to install political allies into key prosecutorial roles.Though Chattah's appointment was struck down, Judge Campbell denied motions to dismiss cases she oversaw, noting that Assistant U.S. Attorneys maintain independent authority and that defendants failed to show any prejudice to their cases. Additional legal challenges are still pending, including in the Central District of California against Bill Essayli, another controversial Trump acting appointment.Nevada Acting US Attorney Chattah Disqualified by US Judge (1)A California jury has found Uber not liable in the first U.S. trial over claims that one of its drivers sexually assaulted a passenger. The plaintiff, known as Jessica C., alleged that in 2016, her Uber driver pulled off the road and assaulted her during a ride. While the jury determined that Uber was negligent in implementing safety measures, it concluded that the company's negligence was not a substantial factor in causing the assault.This civil trial, held in San Francisco Superior Court, was the first bellwether case out of over 500 similar lawsuits consolidated in California state court. Another 2,500 related cases are proceeding in federal court. Bellwether trials serve as test cases to help guide broader litigation strategy or inform settlements in mass tort cases.The plaintiff's lawyers sought up to $1.2 million in compensatory damages per year of her life but did not request a specific amount in punitive damages. They argued Uber failed to take obvious safety steps, like assigning female riders to female drivers or requiring dash cams, despite knowing about widespread assault risks.Uber denied liability for the criminal acts of its drivers and pointed to improvements in its safety protocols, such as enhanced background checks, safety reports, and in-app security tools. Nonetheless, Uber remains under scrutiny. A recent congressional inquiry and ongoing criticism highlight lingering concerns about the company's handling of rider safety.Uber found not liable in first US trial over driver sexual assault claims | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

In this episode of "Next Steps 4 Seniors, Conversations on Aging," Wendy Jones and Merrick Maris IV delve into the crucial topic of life insurance for retirees. They discuss the common misconceptions about life insurance post-retirement and explore various options available to seniors, including term insurance and single premium whole life policies. The conversation highlights the importance of financial planning and ensuring peace of mind for retirees and their families.Learn more : https://nextsteps4seniors.com/See omnystudio.com/listener for privacy information.

How LITTLE can you do for your halloween decorations?  Also, what's REALLY going to scare some people? 

3/4:  HEADLINE: Recommendations for Countering Chinese Tech Acquisition and Liability for COVID-19 GUEST NAME: Brandon Weichert 50 WORD SUMMARY: Brandon Weichert suggests US responses to China, including classifying tech transfers as bribes and empowering CFIUS to block Chinese acquisition of high-tech firms. He argues Washington is slowly grasping the threat, though political conflicts persist. He insists on seeking recompense from Beijing for covering up the COVID-19 outbreak and notes that reckless US research was transferred to WIV. Biohacked: China's Race to Control Life. Brandon J. Weichert  (Author) 1942 USA

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training What does it really look like when employees step up to buy the agency they've helped run for years? Today's featured guest will share how she and her partners carried forward the 30-year legacy of an agency founded in the days of print and stamp, a business that has not only survived but thrived through three different ownership handoffs. You'll hear how they transitioned from licking envelopes to leading digital campaigns, navigated buying the business during COVID, and tackled the imposter syndrome that comes with suddenly being “the boss.” If you've ever thought about selling your agency, or buying one, this conversation is packed with lessons on culture, succession, and keeping an agency alive for the long haul. Alyssa Ash is one of the principals and co-owners of AOR, a creative and digital agency focused on branding, marketing, and web, with a strong focus on real estate development, municipalities, and economic development projects. Think housing solutions, community connections, and projects that shape cities—that's their sweet spot. Alyssa and her two business partners are the third generation of owners keeping AOR alive since its founding in 1992. A rare kind of legacy in agency land. In this episode, we'll discuss: How employees can be groomed into ownership. Lessons from buying an agency during COVID. Why imposter syndrome is normal (and even healthy). 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. A Legacy of Print and Culture Back in '92, AOR wasn't cranking out websites or SEO strategies. It was the time of print design, direct mail, licking stamps, and die-cut lounge chair mailers that made people long-time clients. It's not common that an agency that gets acquired lives on like this, but the founders had built something special. Each generation of owners didn't just grow the client list—they protected the culture. When the founders sold 13 years after starting the business, keeping that culture intact was non-negotiable. Fast forward again, and Alyssa's crew inherited not just an agency, but a philosophy: honor the people and the community as much as the work. Transitioning from Employee to Owner Unlike an outside buyer swooping in with an SBA loan, Alyssa and her partners were homegrown leaders. They'd each put in 10–15 years, running departments in strategy, sales, and operations. By the time the second set of owners started floating the idea of selling, the trio was already running day-to-day operations. At first, the conversation was casual, “Would you even want to own the agency someday?”, but over time it got real. The financial side was initially not even part of the conversation, although they did give a reasonable runway of five to ten years for the acquisition to happen. The fact that three of them shared the load made the acquisition possible. While the thought was intimidating at first, the gradual handoff built their confidence. By the time the deal closed, ownership felt less like a leap and more like the next natural step. Navigating an Agency Acquisition During COVID If you've ever thought about buying or selling an agency, you know the financing part can get tricky. For Alyssa and her partners, COVID hit right in the middle of negotiations. On one hand, this made it somehow easier for her and her partners to step even more into their roles as heads of the agency. While the owners stepped back from daily operations, Alyssa and her partners made the transition to their new roles. On the other hand, the pandemic did complicate things as SBA loans looked risky with interest rates climbing. Thankfully, the old owners worked out a five-year owner-financed note instead. That decision didn't just save them financially, it cemented trust. The outgoing owners wanted the next generation to succeed and structured the deal so everyone won. As Alyssa put it, “It didn't feel like a big shift… because we'd already been doing it.” Fighting Imposter Syndrome (and Why That's Healthy) Even with 15 years in the trenches, Alyssa admits stepping into ownership brought its fair share of imposter syndrome. She was still quite young, even though she felt comfortable leading day-to-day operations. This is where the former owner's trust really helped. They put her in a position to succeed and trusted she could make it. Ultimately, every agency owner feels that, no matter the stage of their career they're at when becoming an owner. In fact, it's the ones who don't who usually get tripped up by ego. Preparing the Next Generation So, is Alyssa grooming her team for eventual ownership? Not yet, it's too soon. But she is watching for the traits that made her and her partners natural fits: entrepreneurial thinking, leadership instincts, and a bias for taking responsibility. Her advice to other agency owners thinking about succession: Don't overlook your employees as potential buyers. Give them time and a runway to grow into the role. Protect your culture by keeping it in the hands of people who already live it. 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.

Asset protection is a game-changer for real estate investors, and Mauricio Rauld is pulling back the curtain on how to structure your LLCs for maximum security. With over two decades of experience as the founder of Premier Law Group, Mauricio is a trusted authority in asset protection and tax strategies for real estate professionals. In this episode, he dives deep into the importance of setting up LLCs properly to protect your assets and minimize liability risks.Mauricio breaks down step-by-step how to structure your LLCs to shield your wealth from potential threats, offering actionable advice whether you're new to real estate or a seasoned investor. He also reveals how the right legal framework can help you navigate both liability protection and tax efficiency—crucial elements for building long-term wealth.Rich Somers offers his perspective on how structuring LLCs and protecting assets has been a crucial part of his own real estate strategy, enabling him to scale his portfolio to $80M AUM.Gain key insights into LLC structures, risk minimization, and safeguarding your assets against unforeseen challenges in this must-listen episode.Join our investor waitlist and stay in the know about our next investor opportunity with Somers Capital: www.somerscapital.com/invest. Want to join our Boutique Hotel Mastermind Community? Book a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.

Who will take Aston Villa's next penalty? I'm actually asking. We don't know. But we go through the thin options.A good win to finally get our season started and get the European campaign up and running nicely.And some competition is emergine. We discuss Malen or Watkins. Maatsen or Digne. Elliott or Rogers. And Monchi leaving. Hosted on Acast. See acast.com/privacy for more information.

If “legal talk” (and literally the title of this episode) makes you nervous or feels dry—this is a MUST LISTEN. Attorney Paige Hulse is back with her easy-to-understand approach to law for entrepreneurs, sharing tips to keep your Etsy business—and you—out of trouble. From common legal mistakes and business structure to protecting your creations from copycats, she's got you covered. **“How to Sell Your Stuff on Etsy” is not affiliated with or endorsed by Etsy.com    STUFF I MENTIONED:  ➡️Check out ProfitTree's new product research tool ETSY RADAR: https://lifetime.profittree.io/?via=lizzie87 Get the best profit tracking tool to help you know your numbers AND a product research tool for a one time fee of $67. (completely insane) ✅FREE Etsy Ads Masterclass: https://www.howtosellyourstuff.com/request-etsy-ads-masterclass    ⭐ FIND PAIGE: https://paigehulse.com/ @paige.hulse.law   ⭐Legal Templates recommended by Paige for your Etsy shop:

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Most agency owners stumble into their first business almost by accident, learning as they go. But have you ever considered buying your first agency as a way to enter the industry with a head start? The right acquisition can give you an established team eager to keep growing, a base of engaged clients, and strong positioning in the market. Today's featured guest took this path and is now the proud owner of a thriving agency. He always knew he wanted to run his own business, and when it came time to choose an industry, the agency model was the perfect fit for his love of project management and tech. He shares how he chose and purchased his agency, why he was fortunate to instantly click with the previous owner, the kind of deal structure he recommends for these situations, and the lessons he's learned along the way. Zander Barth is the Director of Colophon New Media, a website development and digital marketing agency in Charleston, South Carolina. He isn't your typical agency owner since he didn't start his agency from scratch. Before that, he was managing boiler houses and wastewater plants as a chemical engineer. His path went from factory floors and Tesla consulting gigs to agency owner. In this episode, we'll discuss: Why buy instead of build an agency from scratch? Retaining clients and culture in an ownership transition. Acquisition deal structure: earnouts, financings, and gotchas. 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. Buy vs Build: Why Acquistion Wins Most agency stories start the same way: someone freelances, gets referrals, and suddenly they're running an agency. Not Zander. Having always wanted to work for himself, he was set on finding a business to acquire after realizing he didn't want to stay in the corporate grind. Instead of an MBA, he gave himself what he calls a “redneck MBA”—a crash course in QuickBooks, masterclasses, and every free course he could get his hands on. His search started broad. He looked at electrical contractors, engineering firms, and everything in between. But when a broker introduced him to Colophon New Media, something clicked. The agency world lined up with his love for project management, customer communication, and tech. He hit it off with the founder, who was ready to retire, and within four months, Zander was under a Letter of Intent (LOI). The Transition: Keeping Clients and Culture Intact One of the biggest risks in buying an agency is losing clients or losing the team. But Zander got lucky. The founder stayed on for six months to ease the transition, the team had incredible tenure (average of 8–10 years), and clients stuck around. Instead of turnover chaos, he stepped into a culture that was already strong. What he focused on was core values. He knew the agency's success was built on the team's shared beliefs and long-term commitment. His goal: protect that culture while adding new faces who align with it. Processes and systems matter, but at the end of the day, it's the people and values that keep clients around. The Deal: No Earnout, Straightforward SBA Financing Zander's purchase deal was simple: 10% equity down 10% seller note 80% SBA loan (7A) No earnout. Was it risky? Maybe. But for him, it worked because he and the seller had great rapport. They respected each other, and shared the goal of keeping clients happy and the agency thriving. However, Zander is very aware of how lucky he was and that is not always the case. So his advice for agency owners is to structure the deal in a way that people are incentivized to help the business grow after they're gone. Pro tip: Before buying, always ask the seller why they're really selling. Burnout, boredom, or just wanting to hit the road in an RV with their spouse - it all matters. If their motivations align with your vision, you've got a shot at a smooth handoff. Surprises, Gotchas, and the Role of Luck in Acquisition Every acquisition has surprises. For Zander, it wasn't massive skeletons in the closet but rather small bits of “tribal knowledge” that came up months later. Old client quirks, history buried deep, the stuff you don't see in due diligence. His mindset was just to roll with it. “I just try to get good at riding the wave,” he said. And he's honest about it: luck played a big role. You can prep all you want, but signing a deal that puts you on the hook for big debt is scary. You've got to trust your gut on the seller and back yourself to figure out the rest. Zander's advice is to make sure you vibe with the seller. As odd as it sounds, there's nothing more important in his experience than feeling he was able to truly understand the seller. He wanted someone who was really proud of their legacy and willing to grow and protect it. How AI is Shaping M&A and Agency Operations Back when he bought the agency, Zander was still not using AI in both due diligence and agency work. Now, however, he's building “co-pilot bots” to analyze data, troubleshoot, and even stress-test M&A opportunities. His advice for other agency owners: if you're not using AI daily, you're leaving efficiency—and insights—on the table. AI won't always 100% right, but it gets you thinking differently. For M&A especially, tools like ChatGPT can surface blind spots you didn't even know existed. 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.

Joining Dr. Scott Steele today on Behind the Knife is Steve Crandall, a former medical negligence DEFENSE lawyer who, for reasons we will discuss, switched sides and now represents the patient who is suing care providers.  He is a founding partner of Crandall & Pera Law and also has been ranked as both one of the Top 5 Lawyers in Cleveland and Top 10 best Lawyers in Ohio for over 15 years. Crandall, a seasoned plaintiff attorney specializing in medical malpractice, joins the hosts to illuminate the key factors behind common lawsuits in surgery, the pivotal role of informed consent, standout cases with crucial learning points, expert witness strategies, and practical advice for surgeons to stay out of legal trouble. Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more.   If you liked this episode, check out our recent episodes here: https://behindtheknife.org/listen Behind the Knife Premium: General Surgery Oral Board Review Course: https://behindtheknife.org/premium/general-surgery-oral-board-review Trauma Surgery Video Atlas: https://behindtheknife.org/premium/trauma-surgery-video-atlas Dominate Surgery: A High-Yield Guide to Your Surgery Clerkship: https://behindtheknife.org/premium/dominate-surgery-a-high-yield-guide-to-your-surgery-clerkship Dominate Surgery for APPs: A High-Yield Guide to Your Surgery Rotation: https://behindtheknife.org/premium/dominate-surgery-for-apps-a-high-yield-guide-to-your-surgery-rotation Vascular Surgery Oral Board Review Course: https://behindtheknife.org/premium/vascular-surgery-oral-board-audio-review Colorectal Surgery Oral Board Review Course: https://behindtheknife.org/premium/colorectal-surgery-oral-board-audio-review Surgical Oncology Oral Board Review Course: https://behindtheknife.org/premium/surgical-oncology-oral-board-audio-review Cardiothoracic Oral Board Review Course: https://behindtheknife.org/premium/cardiothoracic-surgery-oral-board-audio-review Download our App: Apple App Store: https://apps.apple.com/us/app/behind-the-knife/id1672420049 Android/Google Play: https://play.google.com/store/apps/details?id=com.btk.app&hl=en_US

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Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Is hiring one of the biggest challenges you've faced when it comes to running your agency? How do you sift through hundreds of applications when most don't even read the job description? Today's featured guest opens up about the realities of building a team, the role that gave him his time back, and why finding the right people, not unicorns, but the right fits can make or break an agency's growth. Dan Salganik is the managing partner and CEO of Visual Fizz, a Chicago-based digital full-service marketing agency. He spent years working at agencies of every size and learning of the many flaws in their operations: bloated overhead, work designed more to win awards than to serve clients, and inefficiencies everywhere. Instead of sticking it out, he decided to try something different. With the help of a co-founder he met online, he turned his freelance gig into an actual business. Within nine days of their first conversation, they had their first paying client. Once they were at three clients, they decided it was time to make it official and started Visual Fizz. In this episode, we'll discuss: The digital nomad myth. Hiring as the biggest challenge for agency success. The unicorn problem. Why the big guys should be worried. 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. Inspired to Create Something Better After Working With The Big Guys Dan's path into agency life started straight out of college, working at agencies as a project manager. He saw how the big guys worked and was frustrated by the waste. Expensive office space downtown, teams focused on portfolio-building instead of client results, and layers of inefficiency that didn't make sense to him. After a layoff, he started contracting and freelancing. After a while, he figured if he was already selling his time, why not build a team and sell more than just his own hours? Partnering with a co-founder who brought SEO and paid search chops, he launched Visual Fizz for just $50 and a “crappy logo.” The Digital Nomad Myth At first, Dan thought the digital nomad lifestyle was going to be the dream. He traveled through Asia, working out of hostels, hopping on 2 a.m. client calls from rooftop hotels, and running projects with a global team scattered across South Africa, Kuwait, and the U.S. It sounded cool on paper—but the reality was brutal. Trying to serve U.S. clients while living 12 hours ahead was a recipe for burnout. As he put it, “If you're traveling to Southeast Asia and trying to hit U.S. hours, you're in for a rude awakening.” Over time, he realized international travel had to shift into more realistic time zones if he wanted to scale the agency. From Scrappy Start to Scaling Smart Visual Fizz didn't take off by accident. From the beginning, Dan and his co-founder knew they wanted more than just a freelancing partnership. She had the technical expertise, he had the business and sales skills, and together they leaned into that divide. Their first clients came on at around $2,500/month retainers, which felt big at the time. But what really set them apart was their willingness to sell the agency model—not just themselves as individual contractors. Dan admits the early days were DIY to the extreme. He designed the first website, created the brand, and hustled every step of the way. But over time, they shifted from being “just two freelancers” into a legit business with structure, processes, and a growing client roster. Why Hiring is Always the Hardest Part Dan didn't hesitate when asked about the hardest part of running an agency: hiring. In a business where you're selling knowledge and time, having the right people is everything. And finding those people can be tough, especially for smaller agencies. Posting a single job ad often results in 700 to 1,500 applications—most of which are noise. Dan prefers entrepreneurial-minded hires over candidates with perfect credentials. He values people who can adapt, who want to learn, and who bring a cultural fit to the table. That's how he's built a team that can handle change in an industry that shifts constantly. Like most founders, Dan has had terrible interview experiences with candidates who applied mindlessly as soon as they saw an opening and didn't bother to read anything about the profile required. People were showing up to interviews while in their card eating, not even knowing the company's name, and clearly not having the skills required. If you've ever found yourself in this position, overwhelmed by resumes and constantly interviewing the wrong people, bury a hidden instruction in your job post, like requiring a candidate to send a video with a specific subject line to a private email. The people who follow directions prove they're serious. The rest self-select out, saving you hours of wasted interviews Tired of the fancy resumes and disastrous interviews, Dan has turned to his contractors. He's hired people who had contracted with the agency for years, which of course had the advantage of already understanding their capabilities and knowing they were up to the task. Furthermore, Dan considers himself to be very fiscally conservative when it comes to hiring, so he prefers working with the person until he feels he can comfortably hire them to be a full time team member. The Hire That Changed Everything For Dan, the biggest game-changer was bringing in a project manager who grew into a project lead. Having someone who could take ownership of processes, build out SOPs, and even tell him to log off at 6 p.m. gave him the space to focus on the bigger picture, strategy, branding, and biz dev. The right project manager isn't just checking boxes. They protect your time. They let you walk into client conversations clear-headed instead of stressed about whether a deliverable is behind. When they can run the team and operations, you can finally do the job of a CEO: winning new business and setting the direction of the agency. Stop Chasing Unicorn Hires What's the next hire on Dan's list? A hybrid between a campaign strategist and a creative marketing manager. Someone who can think strategically, get hands-on with campaigns, and still spot when an SEO report doesn't make sense to a client. Sounds great but also sounds like a unicorn. As most agency owners eventually learn: unicorn hires exist, but you can't build a hiring strategy around finding them. Instead, hire clearly defined roles—project managers who love execution, account managers who thrive on client leadership. When you stumble across someone who can flex across lanes, great. But don't make that the expectation. How to Train Your Team to Sell Naturally Dan's agency doesn't run with a traditional account manager structure. Their PMs double as client leads, which means Dan had to find a way to make sales training part of the culture without turning his team into pushy salespeople. The secret to this training is storytelling. Instead of saying, “Hey, we can upsell you,” his team learns to connect client comments with relevant success stories. If a client mentions running a content audit, a PM can naturally suggest looping in the SEO lead, not because they're chasing revenue but because they know it will help the client. Over time, this approach builds trust and positions the agency as a partner, not just a vendor. Positioning in a Shifting Market Dan has seen client expectations are moving “down a notch” lately. Big brands that once chased Ogilvy or Leo Burnett are now hunting for mid-sized partners. Those mid-sized companies are shifting to smaller shops. And boutique agencies like Visual Fizz are landing $100–500 million clients who want to be a top priority instead of client number 142 on a massive roster. It's the boutique hotel effect. Clients don't always want the 3,000-room resort. Sometimes they want the place where the staff knows their name, treats them like the biggest deal in the building, and still delivers world-class service. For smaller agencies, that's a huge opportunity to win the types of clients that used to feel out of reach. Why Lean Agencies Have the Edge The future isn't kind to bloated agencies. What used to take 100 people a few years ago could now be done with 40—or even 15. Large firms with huge overhead and outdated models will struggle unless they pivot, merge, or find a vertical niche. Meanwhile, smaller and mid-sized agencies that can move fast, price smart, and deliver with a lean team are better positioned than ever. As Dan put it, even Fortune 500 companies are asking, “Why should I pay $50k a month for SEO when I can get the same expertise at $8k?” 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 Rich Little Reads — a new series for readers and wannabe readers.Have you read From Legacy to Liability? This week, Kim sits down with activist, author, and cultural critic Marley Dias to unpack what power really costs when you're a Black woman navigating systems not built for you — a conversation sparked by her essay on her Substack, Third Space.She's challenging the way we think about visibility, access, and “making it.” Because when success looks like being the symbol, the cover star, or the first in the room — what happens to the rest of us?Marley unpacks the pressure of Black excellence and why presence without power is just performance. She breaks down how wealth, status, and visibility can inspire — but just as easily distract us from the harder question: what really changed?So… think you'll read it?✨ You're Gonna Want to Subscribe to This:Drop us a 5-STAR review (with a compliment — we read them all)Follow us (@richlittlebrokegrls) on Instagram for daily clips & chaos → [instagram.com/richlittlebrokegrls]Join the RLBG Community for exclusive events & LIVE girl talks → [richlittlebrokegirls.com/join] Stalk Kim on TikTok & Instagram (@kimberlybizu) for more unfiltered hot takes → [instagram.com/kimberlybizu & tiktok.com/@kimberlybizu]Shop Kim's favorites on ShopMy → [https://shopmy.us/kimberlybizu]Read Marley's Moms Book: "Parent Like It Matters" by Janice Johnson Dias, PhD

In this episode, we dive into the extraordinary journey of an ordinary man who was thrust into the legal system and, through relentless struggle, uncovered the hidden machinery driving family courts, governments, and corporations. What began as a personal battle over divorce and child support revealed a multi-trillion-dollar industry built on negotiable instruments, exposing how the system profits off human lives. Through years of trial, error, and perseverance, Cal Washington discovered the ancient roots of Lex Mercatoria—the Law Merchant—and how commerce, not justice, underpins the courts we think serve us. From facing jail time to holding judges accountable, to creating notices of liability that caused officials and apparently even a royal to step down, his story is one of grit, awakening, and empowerment. This is an eye-opening conversation that challenges everything you thought you knew about law, power, and freedom.Time Stamps(00:00) Episode Teaser(00:27) Opening Conversation(04:29) Introducing Cal Washington(06:51) Cal Washington's Legal Journey(08:39) The Divorce Industry Exposed(14:36) Understanding the Legal System(17:18) The Power of Commerce in Law(21:39) Cal's Personal Legal Battles(27:15) The Role of Law Merchant(35:10) Courtroom Experiences and Strategies(44:24) The Impact of Legal Knowledge(48:14) Unexpected Arrest and Meeting a Lawyer(49:24) Legal Maneuvers and Promissory Note(51:30) Escalation and Government Response(55:11) Empower Movement and Smart Meters(58:55) Notices of Liability and Public Impact(01:03:21) Financial System and Wealth Transfer(01:10:47) Personal Compliance and Legal Strategies(01:19:54) Biblical Contracts and Legal Principles(01:23:39) Future Vision and System Reset(01:28:53) Practical Applications and Final ThoughtsGuest Linkshttps://www.inpowermovement.org/hereforthetruth ($50 discount available)Connect with UsJoin our membership Friends of the TruthSubscribe to Here for the Truth FridaysTake the Real AF Test NowDiscover Your Truth Seeker ArchetypeWatch all our episodesConnect with us on TelegramAccess all our links

Ross Rosenfelt, Managing Director in the Global Opportunities group at Oaktree, joins the InsuranceAUM.com Podcast to unpack the rapid rise of liability management exercises (LMEs) and their impact on today's credit markets. With over two decades of experience in restructuring—first as a bankruptcy attorney and now as an investor—Ross offers a grounded look at how LMEs are reshaping the way distressed companies and creditors interact.   He and host Stewart Foley explore how restructuring has evolved, the legal mechanics behind LMEs, and what insurance investors should know about navigating this increasingly complex environment. From creditor cooperation agreements to underwriting challenges in a post-LME world, this episode delivers timely insights from one of the industry's most experienced voices.

Miami Dolphins Legend OJ McDuffie joins Game On, after another Miami Dolphins loss. What does OJ think is gonna happen on Thursday Night Football against the Bills? is Tua a Liability on Offense?

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Ever feel like running your agency is just one long grind of “good enough” projects, endless deadlines, and late-night work sessions? Most agency owners start out chasing freedom, only to find themselves trapped by clients, culture challenges, and their own workaholic habits. Today's featured guest is certainly familiar with this cycle, so how was he able to build a business that works for him instead of the other way around? By focusing on clarity, culture, and constant evolution. Dan Fisher is the founder of Bottle Rocket Media, a Chicago-based video production and digital marketing firm. Before running his agency, Dan spent a decade in television, including a long stretch as an editor at The Oprah Winfrey Show. What started as “making a few videos for people” turned into a full-fledged agency after his partner joined. Today, Bottle Rocket Media blends storytelling with digital strategy to help brands communicate with impact. In this episode, we'll discuss: Data meets creativity. The agency he “thought he should build” Culture as a compass. Redefining work and energy. 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. Leaving TV for Agency Life Dan wasn't setting out to build an agency. He was a New York kid, worked on TV production in LA, and then got tapped on the shoulder for a gig at Oprah. When he landed in Chicago, he figured he'd be there a couple of years. Ten years later, he had a family, a house, and roots that weren't going anywhere. After leaving TV (not a moment too soon, according to him), he just started making videos for people. Then his partner came on board, and suddenly it was more than a side hustle. It was a real business. That's when Dan realized he was no longer just a TV guy—he was running an agency. What TV Taught Him About Storytelling TV wasn't all glitz. Dan loved the storytelling, the cameras, the lights. However, running a daily show can crush even the strongest souls. Deadlines piled on top of deadlines. Three to four episodes a week meant three to four immovable deadlines every week. Still, it gave him his 10,000 hours. He learned how to tell stories fast, direct, edit, and manage creative teams. Most importantly, TV taught Dan the importance of knowing your audience. At Oprah, there was always an “audience of one”—Oprah herself. He'd have the version he wanted to tell, and then the version she'd actually approve. That lesson carried into agency life: storytelling isn't about you, it's about your client. You're not making an indie film; you're telling their story in a way that serves their brand. The Continual Evolvement of Creativity Bottle Rocket Media isn't trying to be Hollywood. They focus on nonfiction storytelling, documentary-style content, education-driven pieces, spokespeople, and commercial spots. What makes their approach stand out is how they marry creative instincts with marketing data. Working in the creative field never ceases to surprise Dan who, even now, expects something to land well with audiences and sees the complete opposite happen. This is why he and his team lean into A/B testing. Sometimes it's the tiniest tweak: a subject line in an email, a color shift in a graphic, or moving the ending to the front of a video. It's a reminder agency owners need: you can be confident in your craft, but the market has the final say. From Filmmaker to CEO When he started, Dan assumed he'd be miserable doing the “operations” side. But mentoring, managing, and building a team turned out to be just as rewarding as calling “action” and “cut.” He's learned the balance between doing and teaching. Having 10,000 hours of experience doesn't mean you always tell the story better than a fresh intern. It means you know how to refine, manipulate, and see perspectives others might miss. At Bottle Rocket Media, they encourage collaboration. Editors critique each other's work. Ideas bounce around. And Dan stays focused on a critical question every creative leader should ask: Am I making it better, or just making it different? From “Good Enough” to Defining Excellence It took Dan years to reach what he calls his maturity, after trying to be “the agency he thought he should be”. Eventually, after banging his head against the wall for a long time, he realized the power of clarity—both personally and professionally. He started the business as a way to make ends meet after leaving TV, but it was time to define his goals with the agency and make it his own. Once he stopped chasing someone else's model and leaned into his own strengths, everything changed. The real turning point wasn't in working harder, but in defining what success actually looked like for him and his team. Culture as a Compass Clarity doesn't just guide you, it's also something you can instill in your team. Once Dan started defining his agency's beliefs, he could attract people who truly fit. To him, if your team is not going in the same direction, then what's the point? But culture hasn't been easy, especially post-pandemic. Bottle Rocket Media runs on a hybrid model: three mandatory in-office days, with Mondays and Fridays remote. For Dan, it was about letting go of his old Gen X “first one in, last one out” mentality and adapting to a younger workforce. The result is a stronger, more unified team—even if they're not physically together every day. Redefining Work and Energy Coming from TV, where it's not rare to work up to 70 hours a week, Dan initially started his agency using the volume model, which is what he knew. Once the business was up and running, his hours were still pretty similar to what he was used in TV. Eventually, however, it got to a point where a trusted employee expressed he was at his breaking point, and Dan knew it was time to dial down. Working beyond a certain limit didn't make him better, it was just making him an ineffective leader. That shift changed how he managed his team, starting by cutting off the bottom 20% and elevating the types of projects they do. This way, with clear goals and clear deadlines, he's building the kind of leadership that creates loyalty and sustainability. Always Be Evolving The agency game changes daily. Right now, AI is shaking up video and digital marketing. What worked yesterday won't always work tomorrow. If you want your agency to survive, curiosity is the ultimate skill. Test, adapt, and don't get too comfortable. That philosophy is why Dan's agency has evolved from purely video into a full digital offering. On the video side, he had to learn how to let go and empower others. On the digital side, he leans entirely on his team's expertise. In both cases, growth depends on staying open to new approaches and trusting the right people to execute them. 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.

This episode of the Harvest Series podcast, hosted by Rose Claverie, features Daniel Barcay, Executive Director at the Center for Humane Technology. Recorded at Harvest in Kaplankaya, Turkey, the conversation explores how AI is reshaping society and what it means for our future.Daniel reflects on lessons from the rise of social media, the dangers of addictive design, and why AI carries even greater stakes. He explains how AI impacts relationships, privacy, and decision-making, and why it could both empower humanity or destabilize it.From emotional manipulation by AI companions to the risk of losing control when autonomous agents act in our world, this dialogue uncovers both urgent threats and inspiring opportunities. Ultimately, the discussion calls for awareness, policy, and responsible design — and for each of us to ask: are we using AI to become the people we want to be?Chapters00:00 – Introduction & Harvest welcome 00:29 – AI: Best friend or threat? 01:20 – Raising awareness of tech's impact 02:08 – Promise and instability of new tech 03:04 – Lessons from social media's design flaws 05:02 – The attention economy explained 06:24 – The Social Dilemma and global awareness 07:16 – Social media as humanity's first AI contact 08:25 – Distorted mirrors of society 09:33 – China's intentional tech policies 10:26 – From channels to AI companions 12:02 – Ambiguity in relationships with AI 13:30 – Risks: sycophancy & flattery 15:26 – AI competing for affection 17:13 – Super-stimulus: AI partners vs. real relationships 18:42 – Polarization & intellectual humility 20:15 – Privacy, memory, and hidden data 22:27 – AI as con man: trust and betrayal 22:44 – Case study: character AI & youth suicide 25:08 – Liability & legal responsibility 27:40 – Product liability & AI frameworks 28:34 – Control: can we prevent AI chaos? 29:19 – Lessons from financial flash crashes 30:28 – Rise of autonomous AI agents 31:53 – Society-wide responsibility for AI 33:19 – What individuals can do 35:12 – Policy and design solutions 36:19 – Engineers and responsibility codes 37:09 – Daniel's personal journey 40:06 – Courage: leaving Google 42:04 – Can AI start a war? 44:06 – Final advice: use AI, but consciouslyYou can follow us on Instagram at @HarvestSeries or @rose.claverie for updates.Watch our podcast episodes and speaker sessions on YouTube: Harvest Series.Credits:Sound editing by: @lesbellesfrequencesTechnician in Kaplankaya: Joel MoriasiMusic by: ChambordArtwork by: Davide d'AntonioHarvest Series is produced in partnership with Athena Advisers and Capital PartnersHarvest Series Founders: Burak Öymen and Roman Carel

Liability for Miscarriage Suffered Following a Crash I’m David Holub, an attorney focusing on personal injury law in northwest Indiana. Welcome to Personal Injury Primer, where we break down the law into simple terms, provide legal tips, and discuss personal injury law topics. Today’s question comes from a caller who was pregnant when she was […] The post Ep 330 Liability for Miscarriage Suffered Following a Crash first appeared on Personal Injury Primer.

Ready to protect your wealth and scale your portfolio? Learn more about the Legacy Family Mastermind and set up a free Success Call here: https://legacywealthholdings.com/success-call/ Asset protection is one of the most overlooked parts of building wealth through real estate. In this panel from our 2023 Legacy Summit event, top attorneys and advisors break down the practical steps every investor should take right now to protect their portfolio. You'll learn: - Why umbrella insurance is your first line of defense - How to use LLCs and trusts to shield your assets - Estate planning basics every investor needs in place - The importance of operating agreements and key person insurance - How to structure your accounts for maximum protection These strategies are simple, effective, and often inexpensive — but they can make the difference between keeping your wealth and losing it all. Disclaimer: This content was accurate at the time of the 2023 Legacy Summit. Laws and regulations may have changed. Confirm current rules, insurance coverage, and estate planning requirements with qualified professionals before taking action. Handouts and resources referenced were provided exclusively to Legacy Family Mastermind members attending this event and are not available to non-members. Panelists: Paul Vincent - https://vincentesquire.com/ Adam Vincent - https://vincentesquire.com/ Mark Evans -  @markevansdmofficial   Drew Maconachy - https://maconachystradley.com/ Fadi Boumitri - https://legacywealthholdings.com/success-call/ Timestamps 00:00 Why asset protection matters 02:20 Insurance is the first line of defense 07:20 Umbrella policies explained 11:30 Liability risks for investors 15:30 LLCs, trusts & shielding assets 19:15 Control vs. ownership 23:05 Retirement accounts & life insurance basics 27:00 Contracts & operating agreements 29:00 Key person insurance for businesses 33:10 Estate planning essentials (wills, POAs, trusts) 38:20 Transfer on death & probate shortcuts 40:45 Equity stripping with mortgages 43:59 Final takeaways //DOWNLOAD OUR FREE DEAL CALCULATOR https://legacywealthholdings.com/deal-calculator-download-youtube/ //CONNECT WITH TIM linktree.com/timbratz //ABOUT ME Tim Bratz is the Founder & CEO of Legacy Wealth Holdings, a leading real estate investment company. He focuses on vision-casting, marketing, & supporting his team of “A” players. He has built his company on integrity (doing what he said he was going to do), fairness (doing the right thing), & transparency (honesty is always the best policy). Tim has dedicated his professional life to studying wealth-building & personal finance. Working in real estate, Tim has learned how to create a passive income that allows him to live the lifestyle of his choice. His goal is to educate & empower others to become financially free through entrepreneurship & real estate investments. https://legacywealthholdings.com SUBSCRIBE NOW so you don't miss a single video! https://www.youtube.com/legacywealth

On this episode of the podcast, Robert McDonald, a campus security expert, University of New Haven professor, and former supervisory Secret Service agent, joins the podcast for a candid discussion on the agency's recent challenges and the tragic assassination of Charlie Kirk. McDonald critiques the Secret Service's handling of the July 13, 2024 assassination attempt on former President Donald Trump's life — he points to serious gaps in advanced security planning.Drawing on decades of experience, McDonald explains why stronger protective measures are needed for high-profile figures and how lapses can have devastating consequences. He also shares his perspective on the importance of confronting controversial issues openly on college campuses, while urging bipartisan cooperation to reduce political violence.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sexual abuse and molestation claims have skyrocketed in recent years, creating significant financial and reputational risks for organizations across various sectors. The numbers are staggering – $651 million in settlements in 2023 alone, with each settlement exceeding $1 million. What's driving this dramatic increase, and how can organizations protect themselves?Michelle Levine, SVP with CRC San Francisco, pulls back the curtain on this critical issue. The traditional assumption that general liability policies provide adequate coverage no longer holds true. Insurance carriers have responded to increasing litigation by cutting limits, non-renewing policies, or explicitly excluding sexual abuse coverage. This shifting landscape necessitates specialized solutions and a stronger risk management approach. While schools and religious institutions represent approximately 70% of claims, the exposure extends to any organization with third-party contact – from wellness centers to gyms to service providers of all kinds. The most effective protection combines comprehensive insurance coverage with proactive risk management – proper hiring practices, consistent training, and creating a culture where concerns can be raised and addressed immediately.Don't wait for a claim to discover your organization's vulnerability. Reach out to your CRC specialty broker today to ensure you have the coverage and risk management tools needed to protect your mission, your finances, and most importantly, the people you serve. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you wondering how AI will really change the way agencies work? Will it replace your team, or make them better than ever? Artificial intelligence continues to be at the forefront of most tech conversations, and that's exactly why agency owners can't afford to ignore it. Today's guest believes the real future of AI in agencies isn't about replacement—it's about augmentation. Humans bring the high-leverage ideas, AI scales the execution, and the magic happens in the collaboration between the two. That's why he challenges his team to master a skill first—understanding every step—before delegating pieces of it to AI. By doing so, they not only achieve stronger results but also gain the ability to explain, teach, and refine the process. For agencies, this thoughtful integration turns AI from a threat into a powerful accelerator. Josh Payne is a serial entrepreneur and the founder of Coframe, which helps businesses continuously optimize their digital experiences. Before that, he co-founded Autograph, scaling it to unicorn status within just over a year, and previously sold his first company, AccessBell, to India's Tata Group. A Stanford AI researcher and occasional lecturer, Josh has blended tech, entrepreneurship, and big-name partnerships into a career full of lessons that agency owners can apply to their own journey. In this episode, we'll discuss: The power of just asking. Should we be worried about AI? Why the human element still wins. When AI shows empathy. 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. Building Big, Fast (and What Comes After) Josh's first exit was AccessBell, acquired by Tatai Group. Then came Autograph, the NFT platform co-founded with connections in the entertainment industry that quickly attracted celebrities and athletes like Tom Brady. The company went unicorn in about a year, proof that timing, partnerships, and execution can fuel explosive growth. But Josh is quick to admit that pace sets a dangerous bar. When he launched Coframe, progress felt slower. The natural question arises: why am I not going as fast as I did last time? For any agency owner who's had one “big win,” the fear of never matching that level again is real. For Josh, it comes down to stop chasing vanity metrics and focusing on the real value you're creating. The long burn, when tied to a larger vision, often builds a stronger foundation. The Power of Just Asking One of the best stories from Josh's Autograph journey was how Tom Brady got involved. It was a simple conversation, made possible because a co-founder's family knew Brady. They took a shot, asked for a call, and suddenly, an NFL legend wasn't just an investor—he was a co-founder. They were, of course, very lucky, but the lesson for Josh was that you'll never land your dream client (or partner) if you don't step up to bat. Too many agencies convince themselves certain clients are “out of reach,” when in reality, decision-makers are more approachable than you think. Even the busiest people have time for the right conversation if you show up as a person, not a pitch machine. Separating Yourself from Your Business Identity With all these exits, Josh is still struggling with the identity crisis that comes with selling or stepping away from a company. Like Jason back when he sold his agency, Josh felt like he'd sold his soul and is still wrestling with how to separate being a tech founder from just being Josh. Your business is not your identity, as performance coach Todd Herman (the guy behind Kobe Bryant's “Black Mamba” alter ego) helped Jason understand. You're not an “agency owner” by identity. You're a creator, innovator, and strategist. Those traits travel with you into whatever you do next. Lose the label, keep the essence. Fighting the Metrics Spiral Every agency owner knows the feeling: dashboards screaming that you're 30% down from last month, the creeping panic that you're “slipping.” Josh admits he's guilty of chasing these vanity metrics too, and it's exhausting. The problem is that short-term sprints cloud the long-term vision. But focusing only on the long-term isn't right either. You can't sit back dreaming and stop executing. Josh calls it a balance game. Some days require in-the-weeds execution. Other days call for pulling up to 30,000 feet and resetting the vision. And finding ways to get into that higher-level thinking state is crucial. Finding Flow and Big Picture Clarity One of Josh's surprising hacks for perspective is the float tank, a sensory deprivation chamber where you float weightless in silence. He describes it as being suspended between sleep and wakefulness, giving him the clarity to see the forest instead of the trees. For him, a float every couple of months resets his ability to think deeply. This lucid dreaming state allows him to consciously control his thought process, which is hard to do on a day-to-day basis. There are different ways to achieve this “flow state” like flying planes or running, where focus on the task at hand frees the brain to process ideas in the background. The lesson for agency owners is that you need intentional “out of the weeds” time. Whether it's floating, running, or flying, find your version of the float tank. Should We Be Worried About AI? Where is AI really going, and should agencies be worried? Josh approaches the subject with cautious optimism. He admits there are possible negative outcomes—whole essays have been written about the risks—but he believes society still has control of its destiny. Governance, adaptation, and human ingenuity will help us navigate the “intelligence explosion” ahead. For agency owners, that perspective matters. The fear-driven narrative (“AI will replace us all”) misses the more useful question: how do we adapt to stay ahead? Josh's view is that AI will become a force multiplier, but only for those who deeply understand their craft first. At Coframe, he leads his team with the mantra: “first we are artisans, then we are automators.” Josh encourages his team to master processes as humans before trying to automate them. An artisan, he says, is someone who not only performs a task with taste and skill but can also teach it to an apprentice. If you can teach it, you can usually train AI to do it too. This is a powerful framework for agencies. Too many people treat AI as a magic shortcut, asking it to “do the thing” without knowing what “the thing” really requires. But if you've built the human expertise first, AI becomes like a hyper-capable apprentice, great at code generation, design variations, or crunching vast amounts of data, but still lacking the higher-level strategy and creative ideation that only humans can bring. Why the Human Element Still Wins Lots of people are already trying to launch “AI-only agencies.” This is a mistake. Clients don't just want data or deliverables; they want connection, guidance, and trust. Even as AI accelerates execution, the human side, like the ability to understand a client, guide their decisions, and translate insights into strategy, remains irreplaceable. This is especially true when clients don't know what to ask. Tools may say, “Ask me anything,” but most business owners don't even know where to start. That's where the agency earns its keep: by framing the right questions and then leveraging AI to deliver smarter, faster answers. AI Limitations on Emotion and Empathy Empathy remains the most valuable and, so far, irreplaceable element that AI cannot afford clients, and where human intervention continues to be necessary. However, as these models get more and more aligned, clients are starting to see cases where the AI is able to show empathy for your situation. For instance, Jason recently tested AI with his own medical challenges. After foot surgery complications, he uploaded photos of his wound to an AI tool and was surprised at how sympathetic the responses felt. It wasn't just giving data—it was offering encouragement, warnings, and even emergency advice when he tested it with old images. Josh had his own example: experimenting with fasting while using AI to predict weight loss. The model gave estimates but also warned him about the risks and refused to encourage unsafe behavior. Modern models are being trained not just for accuracy but to reflect human values, to ensure they're aligned with human interests. Balancing AI Alignment With Performance This fine-tuning process with newer AI models makes them more positive and empathetic. But there's a trade-off: aligned models can lose some raw performance on benchmarks. For agencies, this means two things: AI tools will continue evolving in personality and usefulness. The best results will still come from humans who know how to wield them—pairing empathy, strategy, and creativity with AI's speed and scale. 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.  

Are you confident your organization's diversity, equity, and inclusion initiatives are legally sound? In this episode of the Imagine Belonging Podcast mini-series, "Navigating Diversity, Equity, and Inclusion's New Reality," we explore the shifting legal landscape and what it means for your workplace. Host Rhodes Perry provides a clear-eyed analysis of the legal attacks on workplace diversity, equity, and inclusion programs, including recent court rulings, executive actions, and congressional proposals. This episode gives you the essential legal context to fortify your diversity, equity, and inclusion efforts. Rhodes will demystify recent judicial decisions like the U.S. Supreme Court's Students for Fair Admissions ruling and explain the three-pronged legal test (aka, "the three p's") to determine if your programming is at risk. You'll learn best practices for conducting legal audits and how to build a strategic advisory team to protect your organization. Tune in to discover how to mitigate legal and reputational risks while strengthening your commitment to advancing your organization's belonging strategy. Key Takeaways & Timestamps [2:15] Overview of the legal landscape impacting DEI [4:00] Analysis of the SFFA and Muldrow v. City of St. Louis Supreme Court decisions [6:30] Impact of Executive and Congressional actions [9:00] Best practices for fortifying your DEI work [11:00] The "three p's" legal test for discrimination claims [14:20] Practices to avoid to mitigate risk     Grow the Belonging Movement!  

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you stuck acting like an order taker instead of leading your clients with strategy? If you want to grow an agency that survives the competition, you need to do more than deliver pretty websites or manage ad budgets. You need to lead with strategy, prove it with data, and guide your clients through the journey—not the other way around. Too many agencies are still making decisions based on “gut feelings” instead of data, which is why today's featured guest is tackling exactly that problem—making it easier for everyone in a company to use data daily, so decisions are grounded in reality, not instinct. Pete Caputa is the CEO of Databox, a business intelligence platform built for small to mid-market companies that makes data adoption simple across teams. Before that, Pete spent nine years at HubSpot, where he famously launched and scaled the agency partner program—now responsible for billions in revenue. But Pete's journey didn't start in SaaS boardrooms. He began as an engineer, dabbled in early 2000s web apps after learning to code, and struggled through the grind of bootstrapping. his own ventures. A key pivot came when he connected with sales coach Rick Rober, who helped him sharpen his sales chops. That path eventually led him to HubSpot as the fourth sales rep and later, the architect behind the company's groundbreaking agency channel. In this episode, we'll discuss: Creating the HubSpot Agency Partner Program. Why agencies need to lead with strategy. AI as the new strategic edge. Selling strategy as a service. 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 Birth of the HubSpot Agency Partner Program Early HubSpot sales conversations looked familiar to many agency owners: lots of free education, lots of excitement… and lots of ghosting. Agencies wanted to roll HubSpot out to their clients, but deals rarely closed. Pete recognized the deeper problem —agencies were stuck in project-based work and living on the cash flow rollercoaster. So he set out to teach agencies to package ongoing retainers instead of chasing one-off projects. That simple but powerful shift unlocked stability and scale. Agencies suddenly had recurring revenue, longer-term client relationships, and the ability to deliver compounding value. HubSpot, of course, became the backbone of that service delivery. What started as a scrappy idea became a multi-billion-dollar channel—and one of the most successful agency programs in SaaS history. Leaving HubSpot As HubSpot scaled, so did its internal politics. Pete found himself in the middle of a growing conflict between the direct sales team and the partner channel. Instead of collaborating, the two operated like competing businesses, often clashing at the deal level. Pete saw a solution, but realized implementing it would be painful in company scaling that fast. He eventually stepped away, even though he was responsible for nearly 40% of HubSpot's revenue at the time. “It got harder to get things done,” he admitted—proof that what works in a startup culture doesn't always survive as companies mature. The Evolving Challenges for Agencies Back in the early 2000s, agencies had to convince clients digital marketing was worth investing in. SEO, social, and funnels were foreign concepts for most businesses. Agencies had to sell belief before they could sell retainers. Today, the problem isn't buy-in—it's competition. Businesses now see digital as essential, but agencies are often commoditized into executing tactics. Instead of being trusted advisors, many find themselves replaceable—either by freelancers, in-house hires, or other agencies that “do the same thing cheaper.” The risk is clear: if you're not leading clients strategically, you're just a vendor waiting to be swapped out. Agencies Need to Lead With Strategy Most agencies claim to do strategy, but really, they only use it to justify selling a tactic. Redesigning a website? They'll run some quick competitor research. Launching content marketing? They'll whip up a persona doc. But that's not strategy—it's sales collateral. Pete is now working on a framework he calls Predictable Scale. It starts with true strategy: competitive research, customer research, defining vision and mission, and setting clear objectives. Only then do tactics come into play. Most agencies don't put these together in the right sequence and, as a result, get pushed in to executing tactics. For agencies, this is the key to breaking out of the execution box and earning a permanent seat at the table. AI as the New Strategic Edge These days, agencies can leverage AI to accelerate strategy and client service. It can be as simple as using AI to run a SWOT analysis, refine your brand voice, mission and vision, and then taking all the data and use it to create a custom GPT you can run to generate client-facing plans. One mastermind member, Chris Dwyer, took this to the extreme by building a board of AI advisors (finance, marketing, sales, and acquisitions) and saw incredible growth as a result. Pete's team has also dabbled in this use of AI and created a custom GPT called Pete GPT. They feed in customer interviews, surveys, and Pete's own writing so the tool can generate content in his voice. Beyond content, AI is speeding up product feedback loops. By connecting call transcripts, chat logs, and support tickets, his product team can instantly spot customer needs and prioritize features—a process that used to take weeks of interviews. Pete also has an AI agent that handles about 50% of his agency's conversations with prospects and clients, with a customer satisfaction score of 70% so far. For agencies, the message is clear: if you're not already embedding AI into your workflows, you're falling behind. Onboarding and Client Retention Still Matter Most Not everything should be automated, however, especially when it comes to onboarding. Onboarding can make or break a client relationship in the first 60 days. Too many agencies rely entirely on Zoom and automation, missing the opportunity to build true connection. “No one meets with clients in person anymore,” he said, and it's costing them. Some of the most successful agencies in Jason's mastermind make it a priority to visit new clients in person during the first quarter. That small gesture builds trust, creates deeper bonds, and makes it much harder for clients to churn later. With competition as fierce as it is, going the extra mile in onboarding may be the simplest competitive advantage agencies can claim. Selling Strategy as a Service Pete wrapped up the conversation by introducing Databox's new program for agencies: business intelligence as a service. Until now, most agencies used Databox to report on campaign performance. But Pete sees a bigger opportunity—helping agencies package BI consulting as a strategic service. Instead of being the vendor that just improves ad ROAS or runs SEO reports, agencies can step up as partners who improve an entire company's performance. That means quarterly reviews looking not just at marketing metrics, but at sales, ops, finance, and customer success data too. For agencies tired of being “order takers,” this is the chance to finally sell strategy over tactics—and get paid for it. 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.

Today, Sun outdoors reporter Jason Blevins delves into the recent $12 million jury award to a woman paralyzed after falling from a chairlift at Crested Butte and what it means for the ski industry and other outdoor companies that rely on liability waivers. Learn more: https://coloradosun.com/2025/09/04/jury-verdict-against-vail-resorts/See omnystudio.com/listener for privacy information.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Which growth drivers are fueling your agency right now? For today's featured guest, the answer is clear: thought leadership. It's the single biggest driver consistently bringing his agency the best opportunities. While it can be difficult to separate genuine impact from vanity metrics, the deliberate effort to position both himself and his agency as industry experts has proven invaluable for growth. But building that kind of authority doesn't happen by accident. It requires intentional work—stepping onto stages at conferences, showing up in interviews and podcasts, and, just as importantly, encouraging your team to create and share content of their own. In this conversation, he breaks down the strategies that help expand thought leadership beyond the founder, and why agency leaders must remember: expertise is a long game, one that compounds over time to deliver lasting results. Chris Long is the VP of Marketing at Go Fish Digital, a full-service digital marketing agency specializing in SEO, paid media, and content marketing. Over the past 3–4 years, Chris has been leading the charge on marketing and sales for the agency, driving new business growth and experimenting with different channels to see what really works. Spoiler alert: it's not just ads or conferences—it's something much bigger. In this episode, we'll discuss: Thought leadership as your agency's best growth lever. Scaling thought leadership beyond the founder. Building the right systems to encourage your team to create content. Why Content ROI takes patience. 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 Growth Lever Most Agencies Ignore: Thought Leadership Recently, Chris has taken an experimental approach to his agency's growth, testing growth drivers like Google ads, LinkedIn ads, and conferences, and found that thought leadership consistently stood as the biggest growth drivers; one that couldn't be replicated. Forget chasing the latest ad hack or praying your next conference booth delivers ROI—what's consistently driven their biggest, best deals has been showing up as experts in their space. However, thought leadership is hard to measure. It often looks like vanity metrics—views, impressions, shares. But when you zoom out, it's the stuff that actually moves the needle. The more the agency doubled down on creating content, sharing insights, and putting their expertise out there, the more deals they closed. Not just more deals but better ones, with stronger close rates. If you're still waiting for the perfect ad funnel to save your pipeline, you might be missing the obvious. Start building your authority in public. Share your wins. Share what you know. Because thought leadership compounds, and that trust is what gets prospects off the fence. Why Expertise is the Foundation You can't fake thought leadership. It all starts with real expertise. In Chris' words, “the reason someone's going to choose an agency, especially as you start to sell larger deals, is they have to be convinced you're an expert in something.” That doesn't mean you need to be the everything agency. In fact, the opposite. It could be as narrow as being “the best B2B or SaaS web dev shop.” The point is: prospects need to believe you've mastered your corner of the world. That foundation comes from who you hire, the culture you build, and how you innovate—whether that's through proprietary tools, processes, or just being damn good at your craft. In the case of Go Fish, that expertise showed up in real wins (like when their founders innovated on Geico's site and saw traffic spike 2,000%). Those moments of innovation fueled content, which positioned the agency as leaders. And that cycle of expertise, innovation, and thought leadership became a growth engine. Scaling Thought Leadership Beyond the Founder In the early days, thought leadership was usually founder-driven. You're the face, the credibility, the spark. But as Chris points out, that won't scale. At a certain point, you need the team creating and sharing insights too. For them, that meant encouraging everyone to post, write case studies, and share wins. Sometimes it was as simple as, “Hey, we crushed conversions on this client's landing page—let's write about it.” By empowering their team, they kept thought leadership flowing, even as the founders had less time for it. Thought leadership can't be a one-man show forever. As an agency grows, the founders have less time to spend on the day-to-day operations. If you want authority to scale with your agency, bake it into your culture. Train your team to see insights worth sharing. Make content creation part of the job, not an afterthought. The Biggest Mistake: Not Sharing at All So what do most agencies get wrong? They don't share anything. Too many people assume, “Everything valuable has already been said.” Or they think their insights aren't groundbreaking enough. But as Chris points out, “What's obvious to you isn't obvious to everyone else.” That's why simpley sharing SEO best practices on LinkedIn got him traction. What he thought was “table stakes” turned out to be news to his audience. And the more he shared, the more inbound leads followed. If you're holding back because you don't think your perspective matters, think again. Your experience has value—even if it feels basic to you. Building Systems for Thought Leadership If you want your team to start sharing their knowledge, you have to get intentional. At Go Fish, they didn't just hope employees would write content—they built systems: Every new hire had to write two blog posts a year. They tracked contributions in their project management system. They created two career tracks: one managerial, one based on thought leadership as an individual contributor. That last part is huge. By tying thought leadership part of promotions and career growth, they gave employees a real incentive to contribute. Chris himself went from manager (which he admits wasn't his strong suit) to a senior role via the thought leadership track. The lesson here is that if you want consistent content, make it part of how you hire, measure, and promote. Don't just “encourage” thought leadership—bake it into the agency's DNA. The Evolution of Content: From Blogs to Video Back in the early 2010s, blogs were king. One of Go Fish's founders wrote a massive guide on reputation management on the Moz blog that spun up an entire new agency vertical. That was the play then. Today, however, the game has shifted. According to Chris, video on LinkedIn and Twitter is where the biggest impact happens now. Video humanizes your agency. It takes the mystery away for prospects who are wondering: “Who would I be working with? Are they innovative? Do I trust them?” Webinars have also proven effective—letting people go deeper on topics, showcase expertise, and generate leads from long-form content. But the principle stays the same: meet people where they are, with content that builds authority. The Patience Tax: Why Content ROI Takes Years With content creation, you can't expect results in six months. Here's the brutal truth: content is a long game. To do content you can't think even on seeing results in six months. It may take years. Chris has gotten clients that thought about him when they needed an agency because they saw him speak at a conference two years prior. ROI doesn't always show up on a quarterly P&L—it compounds over years. The same goes for video content. Rarely does someone listen to one episode and instantly buy. Instead, they binge for months or years before making a move. That's why consistency matters more than intensity. As Chris said: “I post every day, whether I feel inspired or not. It's about the habit.” If you're evaluating content success after three or six months, you're cutting yourself off too early. Play the two-year game. The deals waiting for you are bigger than the “quick wins” most agencies chase. Consistency compounds. Virality is a bonus, not the goal. Strong Opinions and Deep Dives Win Attention So what type of content catches people's attention? On social media, where everyone seems to be shouting the same advice over and over, you can't be afraid to stand out. Take a stance. Neutral content gets ignored. As Chris points out: “Strong takes do well because people either comment to agree or argue. Either way, the algorithm loves it.” Go deep. Technical, niche content might feel too in-the-weeds, but it builds trust. Posts dissecting patents, experiments, or tools often outperform fluff. You may not think that really long niche content could do well, but people will absolutely watch a three-hour tutorial that proves a creator's expertise—and will come out trusting them more. This is the heart of thought leadership: demonstrating expertise in public. Clients don't want generalists. They want to see you know your stuff, inside and 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.

Marriage in America is not broken because Black people are broken. It is broken because the oxygen tank of wealth was never handed to Black America in the first place. If money is the silent air that keeps intimacy alive, then the epidemic of divorce and fractured families is not a cultural pathology—it is romantic asphyxiation engineered by a system that never wanted Black lungs to expand fully in the first place.

Marriage in America is not broken because Black people are broken. It is broken because the oxygen tank of wealth was never handed to Black America in the first place. If money is the silent air that keeps intimacy alive, then the epidemic of divorce and fractured families is not a cultural pathology—it is romantic asphyxiation engineered by a system that never wanted Black lungs to expand fully in the first place. 

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you an agency owner chasing the $1 million mark, believing that milestone will finally transform your business? Today's featured guest once felt the same way—until he got there and discovered it was all a myth. Hitting seven figures looked like success on paper, but behind the scenes he was burning himself out just to keep things afloat. In this episode, he reveals the processes that helped him escape no man's land, the critical lessons he learned about hiring, and the one thing he would do differently if he had the chance to start over. Justin Rashidi is the CEO and co-founder of SeedX, where he leads data-driven marketing strategy and operations. Justin never planned to start an agency, but what started as a tutoring gig in New York soon turned into a full-blown business. After getting past some common agency growth hurdles, he'll share what he's learned on overcoming no man's land, hiring, why he thinks like a SaaS founder when it comes to running his agency, and more. In this episode, we'll discuss: Don't fall for the million-dollar myth. Why growing fast was a problem and how he would change it. Hiring? Don't go for the entrepreneur type. Getting beyond ‘no man's land'. 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. When “The Side Thing” Has the Potential to Become a Growing Business Justin grew up in a family where being a doctor, lawyer, or engineer was the gold standard. Entrepreneurship wasn't even on his radar. After moving to New York and starting a tutoring company, he realized business was way more fun than he expected. That small company eventually led him into freelancing—websites, marketing, whatever clients needed. The real turning point came when he and his now-wife recognized that the “side thing” they kept ignoring was actually worth building. Instead of just coasting from project to project, they doubled down and started turning Seedex into a functional, growing organization. The Million-Dollar Myth Hitting the million-dollar mark sounds like the dream milestone for agency owners. Justin admits he thought so too… until he actually got there three years into the business. In reality, it was one of the hardest stages of growth. At that point, your agency looks successful on paper, but reality tells a different story. You don't have the capital to hire senior talent. Your team is probably junior and undertrained. Processes are shaky. And you—the founder—are working yourself into the ground to hold it all together. Justin remembers that stage as “a form of hell” that helped him understand why many owners try to sell at one million. He was gaining weight, losing weekends, and burning out fast. Scaling too quickly without solid processes or proper capital can trap you in a worse spot than before. Grow Slower, Build Stronger Looking back, Justin sees one of the biggest problems for his agency was how fast they grew. If he could change anything, he would've slowed down growth. That doesn't sound sexy, but it's real. At the moment, it felt exciting to see his business grow so much. What he didn't know, however, was that scaling without processes or capital is like building a skyscraper on quicksand—it looks impressive until it collapses. He recommends two key moves for agency owners chasing growth: Build strong processes first. Make sure you can consistently deliver client success before you pile on more clients. Secure working capital. Don't wait until you're desperate for cash to get financing. Get a line of credit while things look good—because once you actually need it, banks disappear. This is one of those lessons that sounds boring… until you've lived through the chaos yourself. Thinking About Hiring Entrepreneurs? Justin Says “Just Don't” Another one of Justin's biggest realizations after hitting $1 million was that he had pushed the agency as far as his own hustle could take it. Suddenly, growth wasn't about what he could do—it was about what his team could do. As he put it, “I got myself here, now I have to get the rest of the team here too.” That's when he realized growth isn't about finding the right “how,” it's about finding the right who. That focus on hiring also came with hard lessons, Justin learned what makes an employee succeed or fail within an agency. He also learned the hard way: never hire entrepreneurs. Entrepreneurs leave within 6–12 months to chase their own ventures. Instead, hire people who want to grow inside your company, who hold themselves to high standards, and who take ownership of improving processes. Once you have those people, agency life gets a whole lot easier. You're no longer solving every problem yourself—you've got a team that can think, adapt, and solve without you micromanaging. Beyond “No Man's Land” Every agency owner eventually hits that “no man's land” stage—the space between $1M and true scale—where everything feels hard. For Justin, it didn't end with some big breakthrough moment. It faded slowly over time. Piece by piece, things got easier: better operations, employees leveling up, hiring stronger talent, having more capital, and—maybe most importantly—understanding how a business actually functions. That compounding effect created stability. And while he wouldn't call it easy, he admits the business is way more enjoyable today than it was a few years ago. Numbers Don't Lie Which KPIs you pay attention to may differ depending on your particular market. When it comes to running SeedX today, Justin thinks like a SaaS founder and focuses a lot on contract retention and contract expansion. He wants zero churn and contracts that expand over time. That's how you build a healthy, stable agency without constantly chasing short-term clients. On top of that, he keeps a close eye on profit margins - aiming for 20% and runs monthly reviews with a tight bookkeeping process. For some, the more their agency grows the harder it is to maintain margins. In Justin's case, as his business has grown, their margins have expanded. Why? Because they got better at scoping projects and started moving upmarket to clients who pay properly for expertise. The agency world is full of bad scoping, undercharging, and scope creep. Justin's team now tracks time, analyzes leakage, and runs post-project reviews to tighten estimates. Raising Prices and Playing to Win One of the most powerful lessons Justin learned once he started tracking these KPIs was the danger of undercharging. Once he was running profitably, he realized he should be charging some clients more, and at this point he was confident enough to go back to clients and renegotiate that rate. In the early days, fear drove pricing. He didn't think clients would pay more. Now he sees it differently. If a prospect won't pay what it's worth, let them go. The client that undercut you will eventually realize they made a mistake—and when they come back into the market, they'll be ready to pay at the right price. “It's like a magic $30K shows up,” he says. Since you're running operations correctly and the time is already committed, that revenue drops straight to the bottom line. That's the power of pricing confidence. So stop racing to the bottom. Raise your rates, deliver great work, and let the unprofitable clients filter themselves 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.

Costs are rising rapidly for child care providers. The latest driver? Liability insurance. A recent survey from the National Association of the Education of Young Children showed 62% of educators reported difficulties finding or affording this insurance. FOX Business' Lydia Hu speaks with Samantha Phillips, a Texas-based insurance agent who works with hundreds of childcare providers across the country. Phillips explains why this surging expense poses an existential threat to the entire child care industry. Photo Credit: AP Learn more about your ad choices. Visit podcastchoices.com/adchoices