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Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period: • Staying in a traditional IRA/401(k) and taking RMDs • A one-time Roth conversion • A gradual, multi-year conversion strategy RIA Advisors' Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Rich also shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations. 0:00 - INTRO 0:19 - The Roth Account Smile 4:40 - Roth Applications for Different Stages of Life 12:41 - Rules Can Save You in a Turbulent World 14:55 - Annuities Should Be Planned, not Sold 15:52 - A Home is a Liability, not an Asset 18:35 - Set Personal Financial Boundaries 20:28 - Debt Control & Savings Priorities 22:05 - Dealing with Student Loan Debt 24:32 - Invest in Yourself 26:37 - Benefits of AI - Look Ahead 28:34 - Setting Good Financial Wellness Standards Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=PdFmXFB3sW4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Volatility May Precede Santa Claus Rally," is here: https://www.youtube.com/watch?v=CnOnz8np7ps&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Fed Regime Change: Is Groupthink Finally Ending?" here: https://www.youtube.com/watch?v=jvNL-iyGgj0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RothIRA #RetirementPlanning #TaxStrategy #IRAConversion #PersonalFinance #FinancialPlanning #WealthManagement #InvestingTips #RetirementPlanning #MoneyMindset
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training What if growth doesn't make things easier but actually just raises the stakes? Agency life looks glamorous from the outside, but the real growth usually starts in the messy middle. Today's featured guest just wanted to build something of her own, but quickly learned that growth means the challenges get harder, instead of easier, and that your client and team retention will always be the best measures of success, since it means you've managed to build a business that has a real impact on clients and a culture people never want to leave. She'll share the pressure she felt as the agency got bigger, how she learned to celebrate the little wins, and how she built a culture that has truly worked as a strategic advantage. Elyse Lupin is the president and founder of Elysium Marketing Group, a full-service agency specializing in food and franchise marketing. With more than a decade of running the business, she has scaled from a new mom charging a thousand bucks for her first client to leading a well known, franchise-focused marketing team recognized for expertise, execution, and a culture clients genuinely enjoy working with. In this episode, we'll discuss: Why growth gets harder as your agency scales. 2 metrics that actually predict agency success. How culture became her agency's competitive advantage. The importance of letting go instead of babysitting tasks. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. How Mentoring Can Be the Push You Need Elyse started her agency during what most people would consider the absolute worst time to make a career change. She had a newborn, a mortgage, and a job that drained her every morning as she left her child in daycare. That friction reached a breaking point. A mentor tossed out traditional job options, but Elyse surprised even herself when she said, "I just want to start my own thing." Instead of talking her out of it, that mentor became her first client. It's one of those decisions you look back on and realize how thin the line is between staying stuck and building something you love. In the early days, she charged way too little, as nearly all agency owners do for those first engagements. But like she said, ignorance can be a gift. When you are early and scrappy, you move fast and celebrate every small win because you have no idea what's coming next. Why Growth Gets Harder, Not Easier After eleven years, Elyse said she was shocked by how the difficulty of running an agency evolves. Things do get easier in some ways, but each stage comes with a new complexity level. As the agency grew, so did the pressure to hire better people, keep up quality, retain clients, and juggle new demands that never existed in the early days. You go from hands-on fulfillment to team building to culture shaping to visionary leadership. Each level is a different skill set and none of it is simple. Scaling is not a victory lap. It is a longer, more strategic version of the same game you started with: solve the next problem without losing momentum. For Elyse, it's all about stopping to celebrate the little wins and let herself enjoy watching her team crush new challenges. 2 Metrics That Predict Agency Success: Client and Team Retention A lot of agency owners fall into the trap of measuring success by employee count or top line revenue. Elyse prefers to track retention. She considers it far more meaningful. Clients only stick around if they are getting results and some of her clients have been with her agency since the beginning. Employee retention matters just as much, because no amount of growth means anything if the team delivering the work is burning out or bailing. Even during COVID, when most of their food clients disappeared overnight, Elyse's agency found a way to pivot into B2B, protect the team, and still grow. Not at the same pace, but still upward. That speaks to culture, resilience, and leadership. In the end, what really matters is how happy you are in the business, whether or not your team is happy, and how profitable the business actually is. These are the things that will guarantee you stay in business and not start to resent it. How Culture Becomes an Agency's Competitive Advantage Elyse's agency has a spirit week. costume day. concert tshirt day. team jersey day. They joke about team members hearing her excitement through the office walls. But behind the fun is something serious. A happy team performs better, stays longer, and delivers higher quality work. She also implemented rituals that reinforce positivity and growth. Every Friday on remote days, they kick off with Wins of the Week. Team members spotlight others who went above and beyond, which forces everyone to pause and recognize progress. Then there is Elysium Advancement, a bi-weekly internal training where someone teaches a new AI tool or system. It keeps the whole agency sharp without overwhelming everyone with the nonstop flood of new tech. Finding the Balance Between a Remote and In-Person Team Elyse's agency is in office Monday through Thursday and remote on Fridays. She believes their productivity is higher together, especially since half the business is design focused. Instead of 15 email threads, they solve problems in 30 second conversations. Some teams thrive remote. Others thrive together. The important thing is knowing which one your agency needs. For them, an in-person environment helps them move faster and design better. Letting Go: Building Leaders Instead of Babysitting Tasks Most agency founders struggle with this. Elyse has built three strong department heads who now own their areas. Sure, she still has a hand in more than she probably should, but the structure is finally allowing her to think bigger instead of babysitting tasks. She also knows what her team would tell her to stop doing. Being too loud in the office. Which, as problems go, is one of the funnier ones. The Power of Picking a Niche Years ago, Elyse heard this very podcast's advice about niching down and resisted it. Like most agency owners, she felt her client base was too broad to narrow down. After COVID, she finally made the leap and put a stake in the ground around franchise marketing. She got her Certified Franchise Executive credential, doubled down on franchising events, and made franchise marketing a core part of the brand. And the decision paid off immediately. Franchise systems want a partner who understands their world, their FDDs, their local store marketing needs, and their complexity. Her agency became that partner. And with that clarity came authority, opportunity, and recognition. Niching did not reduce her client pool. It strengthened her position and made her easier to hire. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
Send us a textAudit results could lead to False Claims Act liability (FCA). In this episode, Captain Integrity Bob Wade talks through audits and potential FCA liability under the Stark Law. Hear why you should do probe audits, when you need to take corrective action, how to avoid the draconian fines & penalties under the FCA, famous cases involving the FCA, and not-so-funny examples of things that go from bad to very ugly. Learn more at CaptainIntegrity.com
#665: If you've ever stared at an insurance quote and wondered, “Is this really worth it?”, you're not alone. Liability and umbrella policies can feel like an expensive mystery, especially when your net worth is growing and your risks are shifting. In today's episode, we dig into a listener's dilemma about soaring liability and umbrella insurance costs, and we explore how to think clearly about protection, exposure, and the parts of your portfolio that may already be shielded. Along the way, we unpack how shifting household risks, driver ages, and asset location change the insurance strategy year by year. From there, we take questions about Roth choices, future tax brackets, and whether it's worth giving up investment flexibility to build a stronger tax triangle. These conversations get to the heart of how we balance risk, taxes, and long-term planning in the FI journey. Listener Questions in This Episode Andy asks: How can I protect my $2 million net worth without paying nearly $950 a month for increased auto, home, and umbrella coverage, especially with a teenage driver in the mix? (01:47) Mike asks: Given our high current tax bracket and expected lower tax rate in retirement, does contributing to a Roth still make sense for us? (25:50) Cindy asks: Should I move my rollover IRA into my new 401(k) so I can start doing backdoor Roth contributions, even if the investment choices are more limited? (39:47) Key Takeaways Sometimes the question isn't “umbrella or nothing,” it's “what risk am I truly trying to insure, and for how long,” especially when a teenage driver temporarily changes the household risk profile. You already may have more asset protection than you think. Retirement accounts and primary residences often carry their own layers of protection, which influences how much liability insurance you actually need. The Roth decision hinges less on math in isolation and more on your likely future earnings, work style, and appetite for locking in today's tax rates. Building a balanced tax triangle gives you flexibility later, especially when future tax rates are unknowable and retirement timing is uncertain. Backdoor Roths can be powerful, but only when the tradeoff between investment choice and long-term tax flexibility makes sense for your goals and timeline. Related Episode: Episode 649: Umbrella insurance deep dive Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (00:00) Offense versus defense and setting up today's questions (01:47) Andy asks about protecting a $2 million net worth (12:00) What's already protected and how coverage layers work (17:00) Managing short-term risk when a teenager starts driving (29:50) Mike asks whether high earners should prioritize Roth contributions (35:07) How career trajectory and future tax rates shape Roth logic ( 45:54) Building a balanced tax triangle (47:47) Cindy asks about using a backdoor Roth to shift her tax triangle ( 52:10) Tradeoffs of moving an IRA into a 401k (54:06) How long Roth dollars need to grow to matter Share this episode with a friend, colleagues, your tax advisor: https://affordanything.com/episode665 Learn more about your ad choices. Visit podcastchoices.com/adchoices
Rate & review the Simply Financial Podcast on ITunesTaken from an Article from Bank of America: https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/financial-fitness-tips1. Understand Your Assets & Liabilities2. Assess Your Goals3. Check Your Credit Reports4. Name Your Beneficiaries5. Manage Your Taxes6. Check If Your Investments And Goals Align7. Determine If You Have The Right Insurance
(This is a Replay)This week we cover “Defense Admits Liability Now What” with Mindy Bish.Contact Mindy Bish atWebsite: https://keenantrialinstitute.com/Email: mbish@keenanlawfirm.comPhone: (404) 523-2200
From financial orgasm to family empire: Why men spend money like fire while women build legacies - and the marriage partnership model that creates generational wealth without bank loans. In this explosive episode of Konnected Minds, a transformative conversation dismantles the romantic delusions keeping African couples broke and struggling. Marriage is economic partnership disguised as romance, and the couple that builds together stays together while those chasing nightclubs and designer bags end up divorced and bitter. The episode exposes a fundamental truth most men refuse to acknowledge: when you take women to swimming pools, nightclubs, and shopping sprees for expensive clothes instead of teaching them to build businesses, you're creating a consumer instead of a partner. Meanwhile, the wife who sits in the boot of the car selling books while pastors' wives sit on the altar, who secretly collects the money her husband throws away to build a house in the village, who manages every cedi because she contributed to earning it - this is the woman who transforms a preacher into a real estate mogul. From the servant of Abraham who identified Isaac's wife by her work ethic and capacity to serve, to Moses marrying Ziporah the shepherd who had the strength to survive the wilderness, to Rebecca fetching enough water to require thousands of joules of energy - this conversation proves that biblical marriage was never about erections giving direction. It was about identifying competence, capacity, consistency, and chemistry with your vision before your brain goes offline because the idiot between your legs took control. Critical revelations include: • Why women who contribute to family economy manage money like plantain leaves - they never let it fall • The Grameen Bank discovery: micro loans to women get paid back faster and better than loans to men • How one couple punished themselves like slaves to buy their freedom through strategic investment • Why the woman who waits for her husband to pay hospital deposits despite having money is securing the future in case he dies and his brothers throw her out • The devastating reality: men spend money like fire, even the money they gave their wives • Why bringing a woman to reality and letting her cook the financial meal with you changes everything • The intellectual wealth principle: one spouse produces it, the other monetizes it, together they build empires • How to calculate if your potential wife fits your vision: does she love what you inherited, can she manage your business, does she have consistency in producing results? • The capacity test: fetching 1,200 liters of water for camels = competence modern men ignore while chasing beauty • Why marrying below your intellectual, educational, and social class means you brought a baby into your house, not a partner The conversation reaches its devastating peak with an uncomfortable truth: there is a difference between a woman you share a purposeful life with and a woman you just spend money on. The contributory woman who sells books, manages businesses, and builds while you preach is worth more than a thousand Instagram models in designer clothes. She's the one who told her husband "make sure when people visit us, they see something on the ground" - forcing him to move from motivational talk to actual wealth creation. From the wife who buys all the family cars from business profits, to the woman who staples books and runs printing presses to contribute to family income, to the realization that women admitted to hospitals will wait for husbands to pay deposits because they're preparing for the possibility of being thrown out by in-laws if he dies - this episode demonstrates that marriage is the most powerful wealth-building tool in African society when both parties. For the African man seeking to build generational wealth instead of just having a good time, this conversation offers the brutal truth: the woman collecting peanuts while you throw money away will build you a house. The woman sitting with pastors' wives on the altar while you preach will leave you broke. The choice is yours, but remember - women are like plantain leaves when they contribute to the economy. They hold on to every cedi because they know anything can happen, and they're securing the future you're too busy spending to protect. Host: Derrick Abaitey IG: https://www.instagram.com/derrick.abaitey YT: https://www.youtube.com/@DerrickAbaitey Join Konnected Academy: https://konnectedacademy.com/ Listen to the podcast on: Apple Podcast - http://tinyurl.com/4ttwbdxe Spotify - http://tinyurl.com/3he8hjfp Join this channel: /@konnectedminds FOLLOW ► https://linktr.ee/konnectedminds #Podcast #businesspodcast #AfricanPodcast
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training AI is changing the agency landscape faster than most owners can keep up with. Tools are popping up daily, clients are asking if rates should drop, and your team is either fired up or freaked out. Today's featured guest talks about what it takes to build an agency that thrives in a world obsessed with shiny new tech, where the edge is not more tools. It is better leadership, human connection, and an incubator mindset that keeps them ahead without drowning in the noise. Michael Davern is the CEO of Incept, an AI-enhanced, digital-first agency that has been around for a decade. Today, his agency blends automation, machine learning, and human-centered strategy to help enterprise clients grow with clarity and smart execution. He is an early adopter who still believes the real edge is human connection and wants to encourage agency owners to really think about who should lead. In this episode, we'll discuss: AI-enhanced vs. AI-first: what actually creates agency value. Leading an agency through rapid AI change. Why human-first agencies win in the long run. 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. Evolving from a Specific Niche to a Full Service Agency Before agency life, Michael spent years in corporate America and even longer in the music industry as an artist development rep. That career went up in flames when the label collapsed and no one got paid. After a brief return to corporate, he approached his now business partner with an idea to sell text message marketing, and suddenly he was an entrepreneur learning the agency game the hard way. Early on he chased small business clients with $49 starter packages and cheesy platinum tiers. Nobody wanted it. The market did not understand text marketing yet and the value was unclear. Everything changed when an enterprise vendor in the Medicare insurance space let them into their workflow. Overnight texting became a revenue driver. That win opened the door to more enterprise relationships and pushed them to expand far beyond their original niche. What started as a simple vendor relationship ballooned into a full service digital agency. With time, growth came from necessity and opportunity, not a master plan. Michael admits they were often too early to the game, but that curiosity and experimentation kept them alive long enough to get good. AI-Enhanced vs. AI-First: What Actually Creates Agency Value Plenty of agencies slap "AI-first" on their website. Michael prefers to say "AI-enhanced" since "AI-first" implies handing the keys to robots or machines. That is not what his agency does. Instead they use AI to enhance execution. They were early with automation, early with machine learning through the IBM Watson test program, and early with programmatic bidding when DSPs were still new. Those experiments shaped how they work today. Now, they use all this knowledge to save money, time, and drive better results for clients. Clients are not paying for prompts or tools. AI lets the team save time, move faster, and stay in the lab testing new options without drowning in busywork. In Michael's view, agencies are not competing on deliverables anymore. They are competing on thinking. Navigating the AI Gold Rush Without Losing Your Mind There is a tool for everything now and most of them promise the world and deliver nothing. Michael believes the real threat is not AI taking jobs. It is crappy tools cluttering decision making and distracting agency owners from what matters. To keep his team sharp, he sets an AI budget for every employee at his agency. Everyone is encouraged to experiment, explore, and bring ideas back to the incubator. On Fridays, they compare notes. What worked. What flopped. What needs more testing. That culture of curiosity is what keeps them out in front rather than scrambling to catch up. Leadership in the Age of Rapid Change Nineteen months ago, Michael made a call. The company was going all in on AI enhancement. He sat the team down and said, "This is where we are heading." If anyone was uncomfortable, they could talk privately or get help transitioning to a different job. Not one person left. Clarity breeds confidence. When owners waffle or delay, their team feels it. When owners point the ship and support the crew, people dig in. Michael's team embraced experimentation because they were given structure, purpose, and room to contribute. And because of that leadership, his agency now runs on flat rate pricing tied to outcomes. They killed the old hourly model and their clients love them for it. Human-First Agencies Always Win the Long Game When was the last time you met in person with any of your top five clients? That's the type of effort they'll remember. Michael's team meets every top client in person at least quarterly. Their average client lifetime is just under seven years, which is unheard of when the industry average is barely over a year. Real relationships create real retention. When you have shared a meal, a drink, and actual time together, you are not just a vendor. You are a partner. And partners do not get replaced by the next AI First agency trying to undercut your price. The real advantage for your agency will be transparency and the ability to provide a personalized service. AI will give you more time to work on strategy, but you still have to offer the best client experience you can. Ultimately, clients are paying for more brain and less execution, "and doesn't everyone want that?" Michael asks. Choosing the Right Clients and Protecting Your Sanity Another theme Michael returns to is knowing when to say no. Early on, every agency chases whales. The bigger the better. Then you land one and realize it might sink the whole boat. Maturity is learning to pass on the wrong fish or hand them off to someone who is better built for it. Agencies do not need hundreds of clients. They need the right fraction of the market that values what they do. When you protect your focus, your retention goes up and your stress goes down. Michael's agency grows steadily because they stack clients instead of scrambling to replace them. The only clients they lose are the ones who stop paying their bills. Building a Culture of Innovation Without Burning Out Agencies talk a big game about innovation, but most owners are stuck riding a bike with square wheels and they refuse to get off, Michael says. This is the trap most agency owners fall into. They are too busy to innovate, too stuck to delegate, and too overwhelmed to lead. For him, the answer is simple. Get off the bike. Set the direction, and build the space for experimentation, because the future is coming whether you want it or not. Who Should Lead AI Inside an Agency Who should lead experimentation when the owner is overwhelmed? Michael believes someone has to claim the role, plant a stake, and move. At his agency, he oversees the incubator, but several team members drive the work. Your lead developer will experiment with different tools than your creative director. Your strategist will explore different workflows than your media buyer. Give them a budget. Give them a purpose. Give them ownership. The biggest mistake is waiting for someone else to figure it out. Agencies that delay will be crushed by owners who are willing to get to work and figure this technology out. Follow your curiosity. For agency owners stepping into that role, Michael suggests absorbing everything you can and staying curious. And for those who are further down in the ladder but still want to lead experimentation with new technologies: speak up and volunteer. If you're in a culture where that experimentation is not embraced, then maybe it's time to leave. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
In this episode, Peter is joined by Patricia White, representing the Asset & Liability Management Association (ALMA), and Helen Carbery, CEO of CUDA. Patricia brings extensive expertise in treasury and risk management, as a senior risk professional and respected trainer of treasury practitioners in the UK, Ireland and internationally. Helen leads CUDA following many years in senior roles across the financial services sector, with a strong background in strategy, business & product management, governance and collaboration.Together, they explore balance sheet management in a rapidly evolving credit union landscape, looking at liquidity and capital considerations alongside the emergence of corporate credit unions – and how these developments could reshape the way credit unions manage their assets, liabilities and long-term funding needs.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training If your inbound pipeline dries up tomorrow, do you have a channel that can refill it on demand? Every agency owner needs at least one reliable way to attract new leads when things slow down. Today's guest doubled down on a podcast as his inbound engine, and it paid off big. But launching your first episode is just the beginning. The real growth comes from getting your ideal clients as guests, creating a conversation that builds connection (not just content), and staying consistent long enough to earn momentum. He'll break down how to find the right niche, build authority through partnerships, and turn podcasting into a powerful inbound system that keeps quality leads coming in on autopilot. Chase Clymer is the co-founder of Electric Eye, a Shopify Plus partner agency specializing in conversion rate optimization (CRO) and e-commerce growth strategy. Since 2016, he and his team have been helping direct-to-consumer brands optimize their digital storefronts to drive measurable results. Beyond his client work, Chase also hosts the Honest Ecommerce podcast, where he interviews founders and shares unfiltered lessons on what it takes to grow an online brand. In this episode, we'll discuss: On his strategic partnership with Shopify. Podcasting as a business development engine. The key to consistently booking great guests. 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 Touring Musician to E-Commerce Marketer Before entering the agency world, Chase was a touring musician in a pop punk band. The road life didn't pay the bills, so he began experimenting with photography, design, and digital marketing, all skills that eventually laid the foundation for his agency. Towards the end of his music career, Chase's future co-founder Sean approached him with a few freelance projects. They quickly found themselves with six clients, and a lot of questions about taxes, pricing, and structure. The early chaos of being creators first and business owners second forced them to learn fast, especially when it came to how to position themselves, how to deliver results, and ultimately, how to specialize. As Chase puts it, "We realized if you can validate the results you're getting for people, they're going to be happier to pay you." That mindset led them toward e-commerce, where success is measurable and client satisfaction is tied directly to sales metrics. How Strategic Platform Partnerships (Like Shopify) Accelerate Agency Growth One of the biggest accelerators for his agency was its partnership with Shopify. When the agency first started, they were platform-agnostic, working across WordPress and other technologies. But after joining Shopify's Partner Program, Chase and his team found something rare — an actual human on the other end of the email. That support led to event invitations, collaboration opportunities, and eventually a deep specialization that positioned them as trusted experts. Chase credits much of their success to that early alignment. "We just happened to be in the right place at the right time," and the lesson for him was: pick your ecosystem wisely and go all in. He advises other agency owners to double down on one technology or niche rather than trying to be everything to everyone. "If your roof is leaking, you don't hire a general contractor, you hire a roofer," he says. It's the kind of clarity that will help you see real growth. Does this mean you should only aim to partner with Shopify if you're in the ecommerce niche? Not at all. Chase recognizes that part of their success story came from having found Shopify at its early stages. This allowed the agency to grow alongside them and unlock more opportunities. Using a Podcast as a Scalable Inbound Marketing Channel For many agencies, lead generation is an uphill battle. For Chase, it became a creative outlet that turned into a consistent revenue driver. In 2019, he launched his podcast, Honest Ecommerce, as a way to avoid writing blogs. But over time, it became a cornerstone of his agency's inbound and relationship strategy. Chase now uses the podcast to connect with ideal clients by inviting them on as guests. Instead of cold outreach, he reaches out on LinkedIn to CEOs of brands he admires, offering them a platform to share their stories. That invitation often leads to partnerships, friendships, and often clients. "You're not starting off on your back foot," he explains. "You're building a genuine relationship." Chase also uses the podcast to gain access to industry events. With a media pass, he's able to attend conferences, host panels, and meet prospects in person. Once relationships are formed, his back-end systems, from automated follow-up emails to segmented nurture lists, keep his agency top of mind until the timing aligns for collaboration. Proven Outreach Strategies to Book High-Value Podcast Guests When Chase comes across a brand doing something interesting, he doesn't pitch them services. Instead of positioning himself as another agency trying to sell, he looks to position himself as a platform offering value first. Once a potential guest accepts, Chase sets up a short 15-minute pre-interview call that he personally conducts. He uses this session to walk them through what to expect, answer any questions, and — most importantly — build rapport. As he puts it, "More time in the paint (more reps) makes the second conversation a lot easier." That small investment of time pays off, turning what could be a stiff Q&A into a relaxed, real conversation when recording day comes. This pre-call also helps him assess whether the guest is a fit for his audience and gently coach less experienced founders on how to tell their story in an engaging way. Then, before the episode goes live, he'll sometimes nudge guests to check out a few existing episodes from Honest Ecommerce. This helps them get familiar with the tone and flow of his show. Ultimately, the goal for Chase is always to create a cool piece of content. Anything else that may come from the relationship is a bonus. Why Consistency Is the Real Growth Lever in Podcast Lead Generation Chase believes all agency owners who are serious about making their business a success need to start building the inbound channels that produce on-demand leads. In his case, starting the podcast was the move that changed everything for his agency. However, podcasting will take time to produce results and requires consistency. Many business owners start a podcast and then give up after a couple of months. Publishing your first episode is only the beginning. What follows is a commitment to showing up week after week. "That is half the battle," he says. Podcasting, like SEO, compounds over time. The relationships built and the authority earned don't pay off instantly, but when they do, they create an inbound machine that's difficult to replicate. Pro Tip: Chase also believes podcasting can be a great tool in staying top of mind for clients and being a better strategic partner. He even does bonus episodes with partners and has a separate newsletter for partners he sends once a month with news of what the agency has been up to (attending a conference, launching a new website, etc). It usually produces at least a few referrals. 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.
Social Media Company Liability for User Suicide 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. In past episodes we have discussed how social media account information posted […] The post Ep 340 Social Media Company Liability for User Suicide first appeared on Personal Injury Primer.
In this episode of the All About Nothing Podcast, Barrett Gruber and Jon Sears discuss the significant challenges facing the hospitality industry in South Carolina, particularly focusing on the liquor liability laws and the rising costs of insurance. Jon, a veteran entrepreneur in the restaurant scene, shares insights into how these laws have impacted local businesses, the struggles of maintaining personal responsibility in alcohol service, and the need for legislative reform. The conversation emphasizes the importance of community engagement and the dire consequences of inaction on the hospitality sector.Pest Control Exterminators in Columbia, SCGolfers LoungeHendrix | Columbia, SC | Cuisine. Cocktails. Elevated.Jake's of Columbia | Good Food, Good Beer, Great TimesZac King | LinktreeBarrett Gruber | LinktreeThe All About Nothing: Podcast | LinktreeClick here for Episode Show Notes!As always, "The All About Nothing: Podcast" is owned and distributed by BIG Media LLC!Check out our network of fantastic podcasts!Click Here to see available advertising packages!Click Here for information on the "Fair Use Copyright Notice" for this podcast.Mentioned in this episode:Thanksgiving Apparel and Gifts at ZJZDesigns!Check out all of the Thanksgiving Apparel and Gifts at ZJZDesigns!ZJZ DesignsBIG Media LLC Copyright 2025This Podcast is a product of BIG Media LLC and Copyright 2025 Visit https://bigmediallc.com for more from BIG Media LLC!BIG Media LLCZJZ Designs Holiday 2024 Prints Available NowZJZ Designs Holiday 2024 Prints Available Now. Featuring Eddie The Elf! Check Out ZJZDesigns.com!ZJZ Designs
Send us a textIn a co-op where homes tilt like carnival funhouses, unstable soil wreaks havoc, can an architect be liable when a soils report fails to warn of impending danger?Discover how site remediation can create problems, how appearances can be deceiving, how surveys can save you, and how shortcuts can cause projects to flounder. Connect with Pro-Demnity: Leave a Review Follow us on LinkedIn Access our Risk Education Library Speak with a Risk Services Expert if you're an Ontario architect seeking guidance for a risk management issue. Thank you for listening.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training If you're one of the many owners concerned that AI will end the agency model, what are you doing to stay relevant? How are you building lasting relationships that help clients see your value beyond executing tasks? Artificial intelligence, automation, and enterprise-level change have everyone in the agency world wondering what's next. However, agencies have managed to stay relevant with past technological disruptions and the answer has always been: you need to adapt. Today's featured guest has scaled his business through seven iterations for over fourteen years by being willing to adapt to change, and the AI era is no exception. He'll unpack how agencies can stay relevant when technology, data, and client expectations are evolving faster than ever. He also talks about the importance of partnership-based client relationships and why soft skills (not just smart systems) are the real differentiator in the next decade. Ben Childs is the President of Digital Reach, a full-stack B2B marketing consultancy serving SaaS, cybersecurity, AI, and data-driven technology clients. With deep expertise in paid media, SEO, RevOps, and digital experience, Ben's team helps enterprise companies integrate their marketing, data, and operations to drive real revenue growth. Since launching in 2011, Digital Reach has evolved through multiple "versions" as it adapted to the changing marketing landscape, becoming one of the most respected players in modern B2B marketing. In this episode, we'll discuss: The soft skills edge that outperforms AI. Why you should start running toward the problem. The power of in-person connections in a remote-forward industry. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. How Agencies Can Stay Relevant in AI Revolution At a recent Ad Week event, Ben heard a fellow agency leader predict that all agencies would be "dead in two years" because of AI. Her point: enterprise companies are developing their own language models and internal data systems, cutting agencies out of the picture. Ben does admit this is true. However, his outlook is more optimistic, seeing several possible solutions. Should agencies be partnering with third-party data providers? Should they adjust their skill set? In his view, the need for strategic expertise and technical problem-solving won't disappear anytime soon. The agencies that thrive will be those who adapt to new tools while deepening their human value—helping clients navigate complexity, not just execute tasks. "The reality," Ben explains, "is that hiring people to help you solve hard problems isn't going away. Business is always changing, and that's a huge opportunity for agency owners willing to think and integrate, not panic." Why Soft Skills Outperform AI in the Agency World As agencies evolve, the differentiator isn't going to be who can use AI faster, it's who can understand and support people better. When it comes to enterprise clients, marketing execution has become table stakes. What truly sets a great agency apart is the ability to navigate organizational politics, manage internal friction, and act as a trusted advisor inside complex companies. "We're armchair psychologists half the time," he laughs. "Our clients know we're good at SEO or paid media. What they really need is someone who helps them get things approved, makes their life easier, and has their back when things get tough." Soft problems will never go away and, Ben argues, may even increase in value when the execution problems potentially become commoditized. Agencies that ignore human connection will lose, just like traditional firms that refused to go digital twenty years ago. In the end, the "people part" never goes out of style. Adapting Your Agency: Lessons from 7 Business Iterations Ben started Digital Reach in 2011 using his grandmother's dresser as a desk and charging $200 a month for Google Ads management. Since then, the agency has reinvented itself seven times—each evolution aligning to new markets, services, and technologies. From scrappy freelancer to B2B consultancy, Ben's philosophy has stayed the same: build, learn, and change before you're forced to. "We're on Digital Reach 7.0 in 14 years," he says. "We'll probably hit version 12.0 in the next ten. You can't just ride your old business idea into Valhalla. Some people will always be better at adapting, and that will never change." WhyPartnership (Not Performance) Determines Client Retention When agencies talk about "partnership," it often sounds like marketing fluff. But Ben explains that true partnership is built on trust and reliability, not just metrics. Most clients don't fire agencies because of poor performance; they leave because of broken trust, poor communication, or lack of understanding. "When clients say, 'You don't get our business,' that's when numbers start to matter," Ben explains. "If they can't trust you when things go wrong, you're done." Ben understands that helping clients solve internal problems like procurement delays or team politics can do more to build loyalty than a great campaign. Running toward the problem, taking ownership, and communicating transparently are the fastest ways to strengthen relationships that last across multiple companies. Build Client Trust Fast by Running Toward the Problem Other than delivering results and making your clients' lives easier, Ben believes another powerful way to build trust is not being afraid to admit your mistakes and being quick to fix them. Honesty builds staying power. When agencies take responsibility for missteps and present a clear plan for fixing them, clients respond with respect, not resentment. Do not avoid the problem. In fact, you should run towards the problem and face the situation head on. You'll get more benefit of the doubt from clients with this attitude. Ben's team once led a client call with bad news—the metrics were down. Instead of hiding it, they explained what went wrong, what they learned, and how they'd adjust. "The client was ready to run through a wall for us after that," he says. "They loved that we owned it." The Power of In-Person Connection in a Remote-Forward Industry As agencies lean more into remote work, Ben calls for agencies to make an effort to meet with clients in person: "In-person will always be in vogue." It'll help your clients understand who you are, rather than just staring at your picture on Zoom, and trying to form a true connection. He encourages owners to set a clear revenue threshold for when to invest in face-to-face meetings—whether that's a kickoff, annual review, or shared conference. When clients meet you over pizza and a drink, it transforms the relationship from vendor to partner. 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.
Could our political past be prologue? Yale Historian Samuel Moyn offers a progressive prescription for the future. https://bit.ly/4ra5rgs
Head of Banking and Valuation Risk at Valocity, David Grubb, joins Tim Beveridge for the OneRoof radio show. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Is money an asset or liability to your marriage? It depends on your attitude toward money. If you look to money for the things that money can buy to make you happy, then money will be a source of conflict in your marriage.Donate to Moody Radio: http://moodyradio.org/donateto/lovelanguageminuteSee omnystudio.com/listener for privacy information.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Is your agency growing fast but still running without the right structure or leadership team to sustain that growth? If too many people are reporting directly to you, it's a clear sign you've outgrown your current setup. But building that next layer of leadership isn't as simple as promoting your top performers. Without a clear strategy, those well-intentioned promotions can backfire, causing confusion, turnover, and setbacks that stall your agency's momentum. Today's featured guest learned that lesson firsthand. After experiencing a year of costly turnover caused by the wrong management moves, he came away with a better understanding of what real leadership development looks like. In this episode, he'll share what it takes to scale beyond seven figures, the mistakes that nearly derailed his agency's growth, and the key shifts that helped him build a stronger, more sustainable business. Brandon Rost is the founder and CEO of be Marketing, a Pennsylvania-based advertising agency that helps brands grow through creative, digital, and media strategies. Over the past decade and a half, Brandon has built his agency from a solo operation into a multi-million-dollar powerhouse by focusing on relationships, resourcefulness, and relentless problem-solving. He's proof that you don't need to have all the answers when you start, just the willingness to figure it out along the way. In this episode, we'll discuss: How to reinvest profits strategically to scale your agency sustainably. Why promoting top performers doesn't already create effective leaders. The KPI's and systems that improved profit and cash flow. The mindset shift that turns fast growth into longterm success. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Why Being Resourceful Is the Key to Building an Agency Brandon didn't plan on running an agency. At the time, he was managing social media for a corporate job and bartending on the side when a PR firm owner offered him a shot at managing her clients' social accounts. What started as ten small accounts quickly snowballed into a full-time business. Like most early-stage entrepreneurs, he had no idea what he was doing at first. He sent invoices in Word documents, figured out HR and finance on the fly, and said "yes" to every opportunity—then learned how to deliver later. It wasn't glamorous, but it worked. That resourcefulness became his superpower. As anyone who has grown a business can tell you, success comes from resourcefulness - not knowing everything. You don't have to know everything right now. Just figure it out and make it work. Scaling Up: Investing Every Dollar Back In the Agency For the first few years, Brandon kept bartending to cover his bills and put every dollar the agency made back into growth. That discipline gave him the runway to build a real company without debt or short-term panic. He hired his first part-time employee within a year, went full-time around year two, and hit seven figures by year four in 2014. However, crossing the million-dollar mark didn't come with confetti and fireworks. It came with more responsibility, more moving parts, and a steeper learning curve. "Everyone thinks hitting a million feels different," Brandon said. "It doesn't. It just brings on more work." Instead of waiting for that milestone to magically change things, focus on building the right foundation so the business can continue to grow without you doing everything. Make it a point to continue to delegate part of that workload every quarter, and after a couple of years, you'll find you've gotten your freedom back. Learning to Lead and Let Go: Building a Leadership Team Brandon learned the hard way that leading people requires a completely different skill set than landing clients. As the agency grew, he at one point had seventeen people reporting to him and eventually realized it just wasn't sustainable. It was the right moment to create different positions that would oversee different departments. However, his strategy was flawed at first; "We elevated people just to elevate them," he said. "And it set us back a year." He never stopped to ask whether or not those employees were ready or even suited for management roles. As a result, they dealt with a year of turnover followed by slowly getting back on track. The lesson for Brandon was: put the right people in the right seats, and don't assume your best technician wants to—or should—manage others. Leadership isn't a promotion; it's a whole new role. Knowing Your Numbers and Turning Chaos Into Profitability Once the business hit its stride, Brandon turned his focus to profitability. He shared how the agency once got caught in a dangerous cash flow loop of collecting Google ad payments for clients and effectively becoming a bank instead of a marketing firm. After untangling that, his team started tracking key KPIs more closely: AGI (Agency Gross Income) in the 55–60% range Net profit around 10–12% Payroll around 33% of AGI By simplifying operations and separating client media costs from agency revenue, they stabilized cash flow and built a healthier margin. Simply put, what you measure improves and, for Brandon, that meant finally treating the numbers as a steering wheel instead of a rearview mirror. Sales: The Last Most Agency Owners Are Ready to Hang Up Even after 15 years, Brandon still handles most of the sales himself. It's something he admits he should've delegated earlier, but building a sales team isn't as easy as hiring a "radio guy" and hoping they sell. After two failed attempts, Brandon realized the problem wasn't the salespeople but rather the lack of systems. Now, the new plan is to support the team with brand marketing, create a "sales tackle box" full of proven client stories, and build repeatable processes for outreach, follow-up, and closing. You'll always be the best salesperson until you document what's in your head. With the right structure and stories in place, a sales team can finally scale what made the founder successful in the first place. What Scaling Fast Taught Him About Patience and Culture Looking back, Brandon said the biggest surprise was how much patience real growth takes—and how easy it is to lose sight of culture while scaling fast. Whether it was figuring out HR policies, managing team dynamics, or setting boundaries for office events, every new level came with a new layer of learning. He now focuses on balance: growing deliberately, empowering leaders, and making sure the culture that got them here doesn't get lost along the way. "We've learned to grow smarter, not faster," he said. 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.
Summary: In this episode, Dr. Scott Jensen discusses the importance of health freedom, the role of government in health decisions, and the impact of media on public perception. He emphasizes the need for informed consent, the dangers of fluoride in water, and the significance of small-scale farming for food security. Jensen also addresses the implications of liability shields for corporations and the need for transparency in health discussions, including weather modification. His campaign for governor of Minnesota focuses on restoring safety, opportunity, and values, with a strong commitment to health freedom as a fundamental right. Takeaways: Trust should be placed in the constitution, not the government. Health freedom reflects the status of individual liberties. Fluoride in water is a controversial public health issue. Media manipulation affects public perception of health issues. Deregulating small-scale farming can enhance food security. Liability shields for corporations can undermine accountability. Weather modification raises significant public health concerns. Resources Mentioned: Support Dr Scott Jensen for Minnesota Governor Are you registered to vote for the midterm elections? If you don't know, go to Stand for Health Freedom's election page and register now! (scroll to the bottom to find out) Reclaim Vitality, PRE-ORDER NOW ON AMAZON! One Dream on Instagram: @onedream.podcast — DM us your detox questions Follow The One Dream Podcast:
Michael Berry serves up a cocktail of chaos—hazing rituals, liability paranoia, and lawyers who make more money than oil tycoons. Then, the gloves come off in a country music showdown. Who’s got the voice that stops you mid-beer sip?See omnystudio.com/listener for privacy information.
What if the most important legacy you leave behind isn't money—but wisdom? Hour 1 opens with Al Smith of Golden Eagle Financial (https://goldeneaglefinancialltd.com), who joins John Rush to challenge listeners with a powerful question: Are you truly prepared for the future? This hour, with its urgent focus on generational wealth and financial planning, forces you to rethink retirement, self-sufficiency, and the responsibility we owe the next generation. But the conversation doesn't stay calm for long. As Colorado's roads crumble and the state faces a billion-dollar budget shortfall, John exposes a fiery online clash between Governor Polis and Governor Ron DeSantis. Did Colorado really collect billions in marijuana tax revenue for schools and roads—or is that claim collapsing under scrutiny? And why are residents suddenly reporting ICE sightings while extremist rhetoric spikes across social media? Just when the hour can't get any hotter, John tackles a new political battle: the future of SNAP benefits. With millions at risk of losing food assistance, is America facing a safety-net crisis… or finally confronting system abuse? Packed with financial insights, political fireworks, and complex questions, Hour 1 dares you to engage in a thought-provoking journey, rethinking what you believe—and why. HOUR 2 What happens when the American dream collides with a 50-year mortgage? Hour 2 launches with Eric Weir (https://erikweir.com), author of Who's Eating Your Pie? as he and John Rush pull back the curtain on the newest—and most controversial—tool in housing finance. Could a half-century mortgage help first-time buyers escape rising rents, or is it a financial trap doubling your lifetime interest? And is this just math… or a political maneuver aimed at the Federal Reserve? But the hour takes a sharp turn. As social media erupts with anti-Israel rhetoric and conspiracy-driven claims, John confronts the emotional chaos head-on. Why are so many Americans falling for manipulated narratives? And how is AI—now powerful enough to create chart-topping songs—reshaping what people believe? Just when the tension peaks, the conversation shifts again: back to financial stability with Al Smith of Golden Eagle Financial, and then into the world of sports, where the Denver Broncos deliver a jaw-dropping win that has fans buzzing. Plus, hear what John and Richard have to say about the 2025 Toyota Land Cruiser. Packed with financial strategy, cultural firestorms, and unexpected victories, Hour 2 dares listeners to question everything—from mortgages to media to the world we think we understand. HOUR 3 What if the next global war isn't fought with missiles—but with algorithms? Hour 3 opens with AI and national-security expert Chris Hoar of SAT123 (https://sat123.com), who joins John Rush to break down America's silent, escalating technology battle with China. From rare earth control to stolen nuclear innovations, Chris reveals how Beijing's 2030 plan to dominate AI hardware and software is closer to reality than most Americans realize. Could the U.S. lose the digital high ground simply because we're looking the other way? But the conversation goes deeper. John exposes chilling new reports of Chinese hackers using AI for autonomous cyberattacks, raising the stakes on tariffs, national defense, and America's technological vulnerability. Then he pushes further: what happens when AI becomes so advanced that people can hold full conversations with systems that think—and manipulate—like humans? The hour closes with political fire. John tackles the Epstein document battle, accusations aimed at Donald Trump, and the internal meltdown inside the GOP, from Marjorie Taylor Greene to Colorado's own party infighting. Packed with espionage, ethics, and AI-driven danger, Hour 3 asks the ultimate question: Are we prepared for a world where technology, politics, and power collide? Find out more at https://rushtoreason.com.
AI Unraveled: Latest AI News & Trends, Master GPT, Gemini, Generative AI, LLMs, Prompting, GPT Store
Welcome back to AI Unraveled, the podcast that cuts through the hype to deliver zero-noise, high-signal intelligence on the world of artificial intelligence.Host Connection & Engagement:Email The Show: info@djamgatech.comConnect with Etienne on LinkedIn: https://www.linkedin.com/in/enoumen/Newsletter: https://enoumen.substack.com/Source at https://www.linkedin.com/pulse/ai-liability-from-engineering-agi-governance-preparing-post-agi-icxccThis episode delivers a comprehensive analysis of the escalating legal liability risks created by Generative AI, stressing that engineering choices are fundamentally legal decisions. We contrast two primary AI architectures, Fine-Tuning and Retrieval-Augmented Generation (RAG), arguing that one internalizes opaque, catastrophic risk (copyright, privacy) while the other externalizes traceable, operational risk (defamation, market substitution).Learn about emerging legal doctrines, including the shift to classifying AI as a "product" subject to strict product liability and the existential threat of algorithmic disgorgement—an order forcing companies to destroy their core models.Ultimately, we frame the current LLM governance debates as essential training for the future control of Artificial General Intelligence (AGI), concluding that the auditable RAG model represents a superior, provable path for future governance compared to the opaque fine-tuning approach.⏱️ Timestamped Breakdown:[00:00] Introduction & The Escalating AI Liability Risk Landscape[02:15] Why Your Engineering Choices are Now Legal Decisions[05:40] Fine-Tuning vs. RAG: Contrasting Opaque vs. Traceable Risk in AI ArchitectureFine-Tuning: Internalized catastrophic risks (Copyright, Privacy).RAG: Externalized operational risks (Defamation, Market Substitution).[11:00] Emerging Legal Doctrines: AI as a "Product" and Strict Product Liability[15:30] The Existential Threat: What is Algorithmic Disgorgement?[19:45] LLM Governance as Training for Post-AGI Legal Frameworks
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training How do you ensure the highest possible retention levels at your agency? What reasons do you give employees to stay and develop their careers at your agency? Today's featured guest hires fresh talent right out of college. People his team can train into the sort of workers who grow with the agency. However, young talent tends to be ambitious and likely to move on quickly to the next opportunity. To boost retention, he has created a growth path for employees that are a right fit with the agency. He'll break down how he's learned to hire intentionally and build a culture that grows people as fast as profits. McKay Salisbury is the founder and CEO of FiveStar Commerce, an eCommerce agency based in Orem, Utah. His team manages Amazon, Walmart, and Target Plus accounts for over 450 brands annually. What started as a freelancing side hustle on Upwork has grown into a full-service agency focused on team development, in-person collaboration, and steady internal promotion. In this episode, we'll discuss: How to hire and retain young talent in a competitive market. Why in-person culture drives faster growth and better retention. The career path strategy that turns entry-level hires into future leaders. How to build systems that grow people as fast as profits. 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. Growing his Freelancer Gigs to a Thriving Amazon Agency McKay's journey began while working at a small Amazon marketing firm, when he started freelancing on Upwork to make a little extra money. Within six months, his freelance income reached half of his salary, and he decided to go all in. Moving into his sister's basement, McKay began full-time freelancing, which quickly evolved into his own agency. Within the first month after quitting his job, he was already matching his old salary. McKay's early days were lean, but the momentum from focusing entirely on client work set the foundation for future growth. Hiring Early and Building Support Systems McKay's first hire came just a month into freelancing full-time. It was a part-time assistant he had previously worked with. That decision to delegate quickly accelerated FiveStar Commerce's capacity. Within five months, he added his first full-time project manager and opened a physical office. Unlike many agency owners who chase remote freedom, McKay found that in-person collaboration gave him structure, focus, and culture. For him, separation between work and home drives productivity. Just like he had learned in college, where studying at the library helped him focus, McKay found it much easier to create great work and culture working in-person. The physical office became the heartbeat of FiveStar Commerce's growth, helping employees feel part of something bigger and creating accountability that can be hard to replicate remotely. Why In-Person Work Still Wins for Training and Culture When it came time to really build his team beyond just a few employees, McKay found it was either difficult or expensive to find the right talent with experience in his particular niche. It wasn't an option for an agency just starting out, so he leaned on investing time on training young talent. It made sense cost wise, and location wise, given they are near two large universities, which provided a supply of fresh talent eager to learn. To make this approach work, the agency had to adapt its environment to support constant learning. A central part of this is their in-person operations, since McKay noticed that even the smallest physical arrangements, like which direction desks faced, could impact how quickly new hires learned and that having trainers nearby reduced hesitation and built confidence. He also observed that remote employees tended to "float away" after 6–12 months. While remote setups can work for certain roles, McKay found that building culture, energy, and loyalty thrive best face-to-face. This philosophy shaped his agency's identity and helped retain young, ambitious team members eager for mentorship. Designing Career Paths that Retain Talent Beyond intentional training, this strategy worked because he paired it with a clear path for career progression. Every employee starts as a generalist learning all aspects of Amazon management, from ads to design to optimization. After 6–12 months, they move into project management roles, and the top performers advance to senior project manager positions. Each promotion comes with a pay increases - typically around $10,000 per year - which keeps employees motivated and invested in long-term growth. This proved to be a great way to increase retention, which is one of the biggest challenges for growing agencies. As McKay puts it, "If you're not giving people a reason to grow, LinkedIn will." Personality Over Experience: Hiring for Potential When hiring fresh graduates, how can you gauge whether or not they'll be a good fit in the long run? McKay looks for personality traits that predict leadership potential—confidence, communication skills, and curiosity. The interview process focuses on how candidates carry themselves, not just what's on their resume. Those who communicate clearly and think proactively tend to rise fastest. This approach ensures that every new hire is a potential project manager within a year or two. McKay views entry-level roles not as long-term positions but as training grounds for leadership. By prioritizing culture fit and growth mindset, he's been able to maintain consistent quality while scaling quickly. 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.
We're digging deep this week at the Armchair Attorney® Podcast as we dive into two Supreme Court cases. The first case is Learning Resources, Inc. v Trump. At issue is whether IEEPA authorizes the use of tariffs, and if it does, did Congress unconstitutionally delegate that power to the President? Oral arguments were last week, we'll discuss! The next case is Montgomery v. Caribe Transport II, LLC, which will determine whether federal law preempts state-law claims against freight brokers for negligently selecting a motor carrier. Broker liability! This case is significant because different federal circuits have had conflicting rulings on the issue, and the Supreme Court's decision is expected to create a unified standard for all brokers nationwide.This program is brought to you by DAT Freight & Analytics. Since 1978, DAT has helped truckers & brokers discover more available loads. Whether you're heading home or looking for your next adventure, DAT is building the most trusted marketplace in freight. New users of DAT can save 10% off for the first 12 months by following the link below. Built on the latest technology, DAT One gives you control over every aspect of moving freight, so that you can run your business with speed & efficiency. This program is also brought to you by our newest sponsor, GenLogs. GenLogs is setting a new standard of care for freight intelligence. Book your demo for GenLogs today at www.genlogs.io today!
DEAR PAO: Solidary liability of local recruitment agency and foreign principal on OFW claims | Nov. 15, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.
Caleb speaks with George Urvari of Knowledge Tree Consulting and Oriole Landscape. Urvari discusses his forty-year career in the green industry, starting Oriole Landscaping in college and growing it into a $10 million maintenance-focused business by hiring people better than him and focusing on organizational processes. A significant portion of the conversation addresses Urvari's role as a consultant through Knowledge Tree, where he employs a blunt, truth-focused approach based on psychological profiling to help clients improve their businesses, often by quickly identifying and addressing team members who are liabilities rather than assets. Urvari emphasizes the importance of loyalty, strategic thinking, and a data-driven methodology to achieve rapid, sustained business improvement. Connect with George: https://knowledgetreeconsulting.com/ george@ktc.biz Important Links: Auman Landscape on YouTube Primed For Growth www.companycam/kcpodcast Company Cam- 50% for 2 months! Linktree/AumanLandscape @aumanlandscapellc www.CycleCPA.com Use code: Auman and save $200 when signing up. LMN Software Save on onboarding! Code: AUMAN
The Chicago Bulls took a horrible loss to the Detroit Pistons. While there is a lot the team needs to address one thing remains the same, Nikola Vucevic. In this episode we discuss how Nikola Vucevic is hurting this young bulls team, and how head coach Billy Donovan needs to approach games Join this channel to get access to perks:https://www.youtube.com/channel/UCNS5lF_I3qBpGLGWllvyF8g/joinWhat do you guys think?Follow us on Social Mediahttps://linktr.ee/KognacBoyzLeave us a voicemail773-242-9219#chicagobulls #chicagobullsnews
Hotels face new federal compliance requirements for emergency calling systems that many properties don't meet. Learn what changed, why it matters, and how aging phone infrastructure creates unexpected risks. To learn more, visit: https://voistay.com Voistay City: Wilmington Address: 4173 Website: https://voistay.com/
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training How are you preparing your clients to start thinking about AI as part of their SEO strategy? Are you educating them on what they can expect now that the landscape is changing with AI optimization? As an agency, you should be starting these conversations because you can be sure your clients are already thinking about AI, even if they still don't understand its applications for how clients will get to their content. Artificial intelligence isn't just changing how people find information, it's rewriting the rules of search altogether. Today's featured guest is already running AI audits for his clients; he thinks all agency owners should be doing this. He'll unpack what AI optimization really means for agencies, marketers, and business owners who've lived and breathed SEO for decades. Vishal Mahida is the Director of Digital Marketing at E2M Solutions, where he helps over 100 agencies scale their SEO and digital marketing operations. With a 40+ person team specializing in SEO, PPC, and operations support, Vishal works directly with agencies on systems that drive measurable growth and keep them ahead of major shifts in the industry. In this episode, we'll discuss: SEO vs. AI Optimization No, SEO is not dead, so your website still matters. Preparing your agency and clients for AI search. Subscribe Apple | Spotify | iHeart Radio The Difference Between SEO and AI Optimization There's a lot of buzz around how AI has come to change and maybe even replace SEO. Vishal clarifies that AI optimization isn't replacing SEO, it's expanding it. Traditional SEO focused primarily on optimizing for Google rankings, keywords, and backlinks. The goal was to get traffic from search results. But as Vishal explains, the modern search landscape has fragmented. Users are now searching on multiple platforms including ChatGPT, Perplexity, and Claude, not just Google. This shift means brands must move beyond "ranking on Google" and focus on being visible wherever their audience searches for information. Whether someone asks ChatGPT for "the best roofers in Austin" or Google's AI mode for "running shoes under $5,000," AI systems are gathering and summarizing information across multiple sources in real time, including social platforms like Reddit, Quora, and LinkedIn. Think about it as building a multimedia visibility strategy and ensuring your brand, expertise, and answers exist across platforms that large language models (LLMs) pull from. "You're not optimizing for one search engine anymore," he says. "You're optimizing for how the internet talks about you." Why Your Website Still Matters in the AI Era Will websites become irrelevant if AI answers everything for users? According to Vishal, websites won't disappear, they'll evolve. Think of them as your source of truth rather than your traffic generator. When AI summarizes answers for users, it still references real content and authoritative sources. So, your website remains essential for credibility, events, and conversion, even if fewer users arrive there through traditional search. For instance, if someone asks ChatGPT about agency growth events in Austin, and you've mentioned your event across social media, your website, and podcasts, AI will likely include it in the results. "That's how people find you now," Vishal agrees. "Not just through search but through signals from every platform." Of course, you should still think about the content you're putting out on your website. Are you answering the questions that people are asking? Or you just optimizing for the keywords. Optimizing for the keywords won't work. People will ask LLMs questions and if you're already answering them on your content there are more chances that AI results will find you and list your website. Redefining Reporting and KPIs for Agencies One of the biggest challenges agencies face is explaining to clients why organic traffic might be dropping even as visibility increases. Why? Traditional SEO metrics no longer tell the whole story. So how to report back? Basically, you'll need to educate clients and start measuring mentions, citations, and referrals coming from AI platforms. Vishal suggests tracking LLM bot hits in server logs and monitoring whether AI crawlers are visiting key pages. These indicators reveal your brand's visibility in AI-generated results. While raw traffic might decline, the quality of leads and conversions often improves. "You might get fewer leads," he says, "but they'll be more qualified, because AI searchers are deeper in their intent." Leads from AI chats tend to be more serious buyers who have already researched their problems. The shift, then, isn't a loss but rather an opportunity to educate clients on new performance indicators that reflect where users actually search today. Preparing Your Agency and Clients for AI Search When it comes to optimizing for AI, Vishal recommends a hybrid approach: combine solid technical SEO fundamentals with a new layer of AI-readiness. This includes making sure your site is clean, crawlable, and structured properly, while also ensuring your brand has visibility across other platforms. At E2M, Vishal's team runs AI search audits to check how often their clients' brands appear in LLM answers. They even query ChatGPT and Perplexity directly to see what those systems say about them and their competitors. From there, they reverse-engineer visibility by identifying which platforms, podcasts, or publications help brands get cited more often by AI. Mentions on Reddit, Quora, and podcasts count, even if they're not linked, because they help build trust signals that LLMs detect. Agencies, Vishal says, can sell these as AI search audits, AI content audits, or full AI optimization packages — new recurring revenue streams that build on their SEO expertise. The Human Edge in an AI-Driven World Agencies can't afford to be "order takers" who wait for clients to bring up AI. If your clients are asking about AI before you bring it up, you're already behind. Instead, agencies should position themselves as trusted advisors who help clients navigate the shift confidently. So go to your clients and start those conversations, or you WILL be replaced by AI. At the end of the day, people still want connection, which is why both Jason and Vishal agree that AI will never replace the human element and the strategy, empathy, and creativity that come from real human connection. People will always want someone that can help guide them through the new marketing trends. As Vishal puts it, "Business owners don't have time to learn all this. They want someone they trust to handle it." AI might make average easier, but connection, data, and network will always be your edge. 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.
VLOG Nov 12: Sudan genocide liability of BNP Paribas spun by bank, book: https://www.amazon.com/dp/B0FWTSDM7LGhislaine Maxwell book blocking alert removed from/by Threads [!] https://www.threads.com/@innercitypressinsta/post/DQ9axHTDoUS TD Bank closings and UBS foray into US opposed; UN cover up in South Sudan
This episode dives into the intricate challenges of running a pet sitting and dog walking business, focusing primarily on liability and proper worker classification. Lori, who operates a dog walking and pet sitting service in the Philadelphia area, shares her concerns about managing the risks associated with her pet walkers, especially after sustaining an ankle […]
Full audio of the Supreme Court oral argument in Hencely v. Fluor Corp (No. 24-924), argued November 3, 2025. In this case, an Army specialist injured in a Bagram Airfield bombing sues defense contractor Fluor, and the Justices probe whether "uniquely federal interests" and the FTCA's combatant activities exception can preempt state tort claims against military contractors—even when the contractor allegedly breached its contract and violated military orders. The argument goes to the core of contractor immunity, battlefield accountability, and who pays the price when private companies help wage war. Check out the official Crime Talk merch at the Crime Talk Store: scottreisch.com/crime-talk-store. #HencelyvFluor #SCOTUS #SupremeCourt #OralArgument #MilitaryContractors #CrimeTalk
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Is innovation truly at the center of your agency operations? Not just what you offer clients, but in how you operate? With AI raising expectations faster than most agencies can adapt, investing in innovation isn't optional anymore. It's how you build client trust, stay ahead of disruption, and keep your edge. Today's featured guest unpacks his journey from leading the award-winning agency T3 to launching Superstep Capital, a private equity firm investing exclusively in agency and technology-service businesses. His insights cut through the noise on innovation, leadership, and how to stay ahead of the next big shift. Ben Gaddis still calls himself agency guy. After more than a decade building T3 into one of the nation's leading digital agencies, serving clients like UPS, 7-Eleven, and JP Morgan Chase he sold the company and launched Superstep Central, a private equity firm investing in agencies and tech service businesses. When he sold T3 to a private-equity group, he didn't ride off into the sunset. Instead, he crossed over to what he calls "the dark side," founding Superstep Capital. Now, he defines his mission as redefining what private equity looks like in the agency world by partnering with founders to scale the right way. In this episode, we'll discuss: Going all-in on the next wave before clients catch up. Why innovation should be treated as an expectation. Lessons on creating a leadership structure. Why differentiation still wins. 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. Go All-In on the Next Wave Before Clients Catch Up Ben's family has been running T3 since he was born, so it made sense to him that he'd eventually end up in the agency world. Hence, he started his career working at Omnicom, learning from their biggest competitors, and was around when mobile apps became a thing after the launch of the iPhone. At Omnicom Ben saw how traditional holding companies were too slow to invest in mobile. He didn't hesitate to seize the opportunity that mobile presented. Frustrated, he took over T3 and bet big on the emerging mobile market. That bet paid off with marquee wins and explosive growth, scaling the agency to $50 million in revenue and around 300 employees. His advice for agency owners today echoes that same spirit: burn the boats. You can't half-commit to a new capability and expect to lead it. You can't expect clients to lead you there. If you want to own a new channel, whether it's AI, automation, voice, whatever's next, you have to invest ahead of demand and prove value before anyone asks. If you wait for client demand before you invest, it's already too late. Innovation Isn't a Slogan, It's an Expectation At T3, Ben created a culture where innovation wasn't just encouraged; it was an expectation. So they turned innovation into a measurable habit by creating an "Innovation Match" program where they matched a portion of a client's spend dollar-for-dollar on experimental projects. Clients got to share in the risk and the reward. Those projects became T3's biggest success stories and built a reputation for fearless creativity. T3 chose projects and built roadmaps alongside the clients. turning them into true partners in innovation. The coolest work the agency ever did ended up coming from that program. It even led to another venture project called T3 Ventures, where they invested in c-stage startups. It was all about surrounding his team with people who were doing the newest and coolest stuff and letting their clients see this. It worked much better to show innovation than to just talk about it. Innovation has to live in your budget, not your buzzwords. When your team sees that experimentation is backed by leadership, and even matched financially, they'll start bringing the bold ideas that set you apart. This" Innovation Match" model is a playbook for modern agencies trying to make innovation a repeatable, funded process. Leadership Has to Grow as Fast as the Agency Early on, Ben was a young CEO trying to manage instead of lead. He assumed people could read his mind and execute on his vision. That mistake caused turnover and frustration until he hit pause, clarified T3's mission, and re-aligned around a few focused areas: digital products, loyalty, and CRM. From there, he learned to build leadership in layers. Initially, he brought on a COO, which seemed like the next logical move; however, it wasn't the right cultural fit and complicated everything with the team. It wasn't about what his COO changed, it was how they did it… the entire team rejected this dynamic. Eventually, Ben was able to bring in a COO who simplified instead of complicating. It not only freed Ben to think creatively again and gave the agency room to scale, it gave him back his creative headspace. Agency Structure for Scale: Build Practice Leaders, Not Project Managers The other positive change at his agency was creating the "practice groups". Instead of spreading talent thin across random projects, they paired a portfolio lead with a subject-matter expert. Each duo owned a P&L and growth target. The result was deep expertise, repeatable wins, and new verticals that practically built themselves. Their restaurant and convenience-store niche exploded from 2 clients to 30 in record time. This model solves the scaling paradox of how to grow without sacrificing quality. When your experts own both excellence and profit, growth stops feeling chaotic. The last area they focused on was delivery, fighting to maintain quality as they did the newest thing. In the end, it came down to setting expectations and aligning with clients around what they were bringing to the table. As a result, quality went up. AI, Sales, and What's Next for Agency Growth On the investment side, Ben sees a lot of agencies struggling with hesitation and "no-decision" deals. AI has amplified expectations while compressing margins. Many clients now assume everything can be automated, expecting greater output for less cost. Thankfully, this trend has decreased, as clients were burned by this overreliance on AI. On the other hand, it's clear to Ben that agencies should and must be faster and more efficient, and agencies with a clear understanding of what they do and who they serve are not blindsighted by this new reality. His advice: AI isn't differentiation, it's amplification. The edge comes from how you apply it, not the tools themselves. Know your vertical, know your data, and connect AI to real business outcomes. The agencies that win are the ones that define how AI fits their process - not the other way around. Why Differentiation Still Wins in the AI Era The agencies and individuals winning right now aren't the ones with the fanciest tools or the most automation; they're the ones combining experience, curiosity, and creativity to use AI in smarter ways. Ben shares the story of an account manager who built her own workflows using AI to research verticals, anticipate objections, and walk into client meetings armed with strategic ideas that wowed executives. She wasn't a technologist, she was a strategist who understood her clients deeply and used AI as a force multiplier. That's the real edge in this new era. Tools are accessible to everyone, but insight and application are not. As Ben points out, it's your data, your intuition, and your industry expertise that make AI valuable. AI doesn't replace strategy, it rewards it. The agencies that know their data, their clients, and their niche will always have the edge. 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.
Understanding Corporate Liability: Navigating the Complexities of Modern AccountabilityIn today's rapidly evolving business landscape, understanding corporate liability is more crucial than ever. As companies grow in size and complexity, the challenge of holding them accountable for their actions becomes increasingly intricate. This blog post explores the key concepts of corporate liability, insider trading, and the evolving frameworks of accountability.The Puzzle of Corporate AccountabilityImagine a world where a giant corporation commits a crime, such as fraud or bribery. Who pays the price? Is it the CEO, the board, or the company itself? This question lies at the heart of corporate liability, a concept that has evolved significantly over the years. The traditional legal frameworks, such as the identification doctrine, often fall short in addressing the complexities of modern corporations.The Identification Doctrine: A Narrow ApproachThe identification doctrine, a cornerstone of UK corporate law, requires prosecutors to prove that the company's "directing mind and will" was responsible for the crime. This approach, while theoretically sound, often fails in practice, especially in large corporations with complex hierarchies. The case of Barclays in 2018 highlights this gap, where charges against the company were dismissed due to the inability to pinpoint the directing mind.Respondeat Superior: The Broad US ApproachIn contrast, the US model of respondeat superior holds companies liable for the actions of their employees, provided they acted within the scope of their employment. This broad approach ensures accountability but raises questions about fairness, especially when companies have robust compliance programs in place.The Middle Ground: Failure to Prevent ModelEmerging as a middle ground is the "failure to prevent" model, which shifts the burden of proof onto companies. Under this model, companies are guilty unless they can demonstrate reasonable procedures to prevent the crime. This approach is gaining traction, particularly in addressing economic crimes and ensuring companies take proactive measures to prevent wrongdoing.The Role of ESG and AI in Modern AccountabilityAs we move into an era dominated by environmental, social, and governance (ESG) concerns, the landscape of corporate accountability is shifting. Companies are now expected to consider their broader impact on society and the environment. Additionally, the rise of artificial intelligence introduces new challenges in attributing liability, as algorithms make increasingly complex decisions.Redefining Corporate ResponsibilityThe old rules of corporate liability are being rewritten to address the realities of modern business. As we navigate this new landscape, the challenge lies in redefining what it means for a corporation to be responsible. The future of corporate accountability will depend on our ability to adapt legal frameworks to the complexities of global systems and AI-driven decision-making.Subscribe NowStay informed about the latest developments in corporate law and accountability. TakeawaysUnderstanding corporate liability is essential for legal exams.Corporations act through individuals, complicating accountability.The U.S. model allows broad corporate liability through respondent superior.The U.K. model requires proof of a directing mind for liability.Comparative models like Canada's and Australia's offer broader accountability.Failure to prevent offenses shift the burden to corporations.Individual accountability is crucial in corporate crime cases.Sentencing often ignores the financial impact on shareholders.ESG factors are increasingly influencing corporate liability.The legal landscape is evolving with technology and AI implications.corporate liability, attribution, respondent superior, identification doctrine, compliance, ESG, corporate governance, individual accountability, sentencing, legal frameworks
RIA Advisors' Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Richard Rosso, CFP®, shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations. From annuities and debt control to emotional investing and realistic return expectations, these guardrails are designed to keep you on track — no matter what markets do. 0:20 - Rules Can Save You in a Turbulent World 3:17 - Annuities Should Be Planned, not Sold 9:34 - A Home is a Liability, not an Asset 12:37 - Setting Good Financial Boundaries with Adult Children 15:25 - Debt Control & Savings Priorities 17:45 - Dealing with Student Loan Debt 19:33 - Personal Un-secured Debt - Credit Cards 22:03 - Good Health in Retirement 24:15 - Realistic Projections, Time Horizons, & Inflation Factors 27:33 - Be Vigilant of Confirmation Bias & Emotion 32:35 - Create a Household Wellness Evolution Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s ------- Articles Mentioned in Today's Show: "The RIA Financial Guardrails" https://realinvestmentadvice.com/ria-e-guide-library/ -------- The latest installment of our new feature, Before the Bell, "Buy-the-Dip Isn't Dead Yet" is here: https://www.youtube.com/watch?v=UU_zCk3hYhs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Nvidia's Money Loop: Smart Move or Red Flag?," is here: https://www.youtube.com/watch?v=PBMx8sckBhk&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #WealthManagement #InvestingTips #RetirementPlanning #MoneyMindset
RIA Advisors' Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Richard Rosso, CFP®, shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations. From annuities and debt control to emotional investing and realistic return expectations, these guardrails are designed to keep you on track — no matter what markets do. 0:20 - Rules Can Save You in a Turbulent World 3:17 - Annuities Should Be Planned, not Sold 9:34 - A Home is a Liability, not an Asset 12:37 - Setting Good Financial Boundaries with Adult Children 15:25 - Debt Control & Savings Priorities 17:45 - Dealing with Student Loan Debt 19:33 - Personal Un-secured Debt - Credit Cards 22:03 - Good Health in Retirement 24:15 - Realistic Projections, Time Horizons, & Inflation Factors 27:33 - Be Vigilant of Confirmation Bias & Emotion 32:35 - Create a Household Wellness Evolution Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s ------- Articles Mentioned in Today's Show: "The RIA Financial Guardrails" https://realinvestmentadvice.com/ria-e-guide-library/ -------- The latest installment of our new feature, Before the Bell, "Buy-the-Dip Isn't Dead Yet" is here: https://www.youtube.com/watch?v=UU_zCk3hYhs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Nvidia's Money Loop: Smart Move or Red Flag?," is here: https://www.youtube.com/watch?v=PBMx8sckBhk&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #WealthManagement #InvestingTips #RetirementPlanning #MoneyMindset
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Would you say your agency is truly profitable? Take a closer look and assess its structure, systems, and tools through the lens of business maturity. You may find you're still in the chaos stage, in need of structure and vision. Running an agency often starts with passion and talent, but keeping it running smoothly takes systems, leadership, and a strong operational backbone. This operational maturity doesn't happen overnight. As today's featured guest knows well, it's a process of reflection, restructuring, and relentless improvement. Harv Nagra is the Head of Brand Communications at Scoro and host of The Handbook: The Operations Podcast, where he explores how agencies and consultancies build scalable, profitable operations. As someone who has spent his career at the intersection of creativity, consultancy, and operations, he'll discuss the key stages of agency growth, the pitfalls of immature operations, and the leadership mindset required to scale sustainably. In this episode, we'll discuss: Understanding the agency maturity model. Evolving your agency from chaos to clarity. Growing your leadership to create framework. Data and the path to predictability. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Why Most Agency Founders Aren't Natural Operators Harv has been in the agency space for most of his career, working in marketing and design, and, although he currently works as Brand Communicator for Scoro, he keeps his finger on the pulse of the industry via his podcast The Handbook, where he talks to owners about running great agencies and consultancies. After speaking with so many founders, Harv is aware that operations is often the blind spot for first-time agency owners. They were very good at delivering a service and ended up being an "accidental founder". People start agencies because they're great at marketing, design, or development, not because they planned to manage P&Ls or build operational frameworks. As a result, growth often outpaces structure, and operations fall behind. Early on, these agencies prioritize sales and survival, just trying to land enough business to stay afloat. But as Harv emphasizes, there's a point where founders must transition from doing great work to running a great business. Without operational clarity, even the most talented teams end up winging it, leading to burnout, inefficiency, and missed profit. Understanding the Agency Maturity Model One of Harv's biggest turning points came when his COO introduced him to the concept of a business maturity model. It was an eye-opener. He thought the agency was doing fine, until the framework revealed gaps he didn't even know existed. It showed him that agencies, like people, evolve through stages, from chaotic startups to structured, data-driven organizations. The models vary, but there are usually 5 stages: 1. People challenges 2. process challenges 3. Data and metrics 4. Technology and tools 5. Growth strategy The early stage is where chaos reigns. Processes are tribal, training is informal ("just learn from whoever you sit next to"), and there is no consistent way of working. As the business grows, pockets of best practices emerge, but without unified systems or documentation. The most mature agencies reach a level where processes are standardized, data is reliable, and leaders can make decisions based on insights rather than gut feelings. Unfortunately, only a small percentage of agencies ever get there. From Chaos to Clarity: Building Operational Maturity When Harv stepped into an operations role, his agency was stuck between chaos and maturity. Multiple entities were working in silos with inconsistent tools and workflows. Financial reporting was messy, and onboarding was informal. Everything began to change when they hired a finance director who helped formalize budgeting and systemize financial operations. Together, they redefined how projects were quoted, tracked, and managed, bringing consistency and visibility that had been missing for years. It's a common growing pain for agencies that scale faster than their systems. As Jason recalls, before implementing time tracking, he believed all clients were profitable. The data told a different story: 60% of projects were actually losing money. That realization forced him to fix pricing, reposition the agency, and rethink sales and operations from the ground up. The Leadership Shift: From Fighting Fires to Frameworks Many agency owners reach a ceiling because they're still running their business as they did in the early days. As he moved up the ladder, Harv and his team tried to get the agency's leadership team to realize they were spread too thin, with each senior leader juggling multiple internal roles alongside client work. Once leadership saw the problem, the real work began; creating clarity, documenting systems, and assigning accountability. The key here was clarity, so Harv and this finance director documented everything from budgeting to time tracking, to reporting and resourcing. It was a huge leap in maturity and it consolidated when the founders brought an interim COO who audited operations, restructured the organization, and helped senior leaders focus on strategic leadership instead of firefighting. Finally, there was a clear understanding of where the agency is going, who it serves, and how it operates. Without that, leaders end up managing chaos rather than building growth. Data, Tools, and the Path to Predictability As Harv's agency matured, the next challenge was data and technology. Their systems were outdated, and reporting was cumbersome. Upgrading their tech stack allowed them to collaborate across borders, manage multiple entities, and gain visibility into key metrics like capacity and revenue forecasting. This shift toward being data-driven enabled proactive decision-making instead of reactive problem-solving. Alongside technology, restructuring played a key role. The agency had to make tough decisions about team composition, ensuring the right people were in the right seats. As Harv put it, "Just because someone's been there from the beginning doesn't mean they're the right fit for the next phase." It's a difficult but necessary mindset for sustainable growth. Letting Go — The Hardest Step in Agency Maturity For founders, growth means letting go. Letting go of old habits, outdated systems, and sometimes even long-time team members. Many owners treat their agency like a baby, and it's a mistake. When leaders cling too tightly, they become the bottleneck. True maturity happens when they can trust the team, delegate decisions, and focus on leading rather than managing. As Harv summarized, agencies should think of themselves less like families and more like sports teams where each player has a role, and the lineup changes as the game evolves. The goal isn't comfort, it's performance. That's what separates agencies that evolve from those that plateau. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training How would you go about making acquisitions to accelerate your growth? Would you buy for revenue, culture fit, or client roster? Would you be willing to fire big clients that are holding your agency back? Most agency owners chase growth by saying "yes" to everything, from new services, new clients, and every new opportunity. Today's featured guest built one of the fastest-growing mobile and digital agencies in the world by narrow focusing, firing bad-fit clients, and mastering the art of strategic acquisitions. Today he'll unpack how his agency evolved from a small mobile startup in Tel Aviv to a global digital powerhouse working with brands like Google, Uber, Samsung, and Microsoft. Gilad Bechar is the CEO and founder of Moburst, a mobile-first marketing and digital transformation agency with offices in Tel Aviv, New York, and San Francisco. Since 2013, Moburst has helped startups and Fortune 500s alike scale their reach through creative, data-driven, and tech-forward strategies. Under Gilad's leadership, the agency has raised capital, acquired multiple specialized firms, and built proprietary technology that keeps them ahead of the curve in AI, mobile UX, and cross-platform performance. In this episode, we'll discuss: The similarities between the mobile boom and the new AI era. Raising capital without losing control. Using acquisitions as a growth strategy. The power of saying no and focusing on fit. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. From A Mobile-First Niche Focus to Global Agency Powerhouse When Moburst launched in 2013, the agency world was flooded with "digital experts" who claimed to understand mobile. Most didn't. Gilad noticed that agencies were simply repurposing desktop experiences for smaller screens without real mobile UX thinking, no data-driven optimization, and definitely no understanding of how users behaved differently on apps. That insight became Moburst's edge. Instead of trying to compete as another full-service digital shop, they doubled down on mobile-first marketing. They mastered app store optimization (ASO), performance tracking, and mobile UX design. That focus helped them land early wins with major clients who were desperate for expertise in a fast-changing environment. As Gilad puts it, "When you show big clients that a critical piece of their marketing is being ignored, and you can fix it, that's your entry point." The AI Parallel: Most Agencies Talk, Few Deliver Gilad sees history repeating itself with AI. Just like the early mobile days, everyone's suddenly an "AI expert." But the difference between hype and real expertise shows up fast in a conversation. He believes the proof lies under the hood. Real experts can answer deep implementation questions: which tools integrate best, how to handle data security, and what AI models perform for specific tasks. Pretenders can't. For agencies, this is a reminder that credibility is earned through insight, not jargon. Clients see through the buzzwords. And the ones who don't will eventually learn when the work doesn't deliver. Raising Capital Without Losing Control Unlike most agency founders, Gilad took venture funding, not once, but three times. But he did it differently. Instead of giving away huge equity chunks, Moburst only diluted small percentages (around 6% each round). The investors came to them after seeing how fast their clients were growing. Without that, his agency wouldn't have its current success in the US market and would probably still be a very local agency in Israel. That capital gave him the means to hire a team in New York and then eventually move there to lead that office. It was the start of many new opportunities for the agency, like building internal tech tools that set them apart. It was also the way his team has stayed ahead of the curve from competitors that are not investing in the future and stay too focused on the right here and now. Furthermore, despite having 11 investors, Moburst kept full control. Only one board seat represents all investors, and it can't override the founders' decisions. According to Gilad, that control is what allowed them to make hard but smart moves, like firing clients and cutting costs in 2017 when growth was strong but profitability wasn't. The Hard Reset That Saved the Agency and Restored Profitability In 2017, Moburst was scaling fast but losing money just as quickly. The agency was adding clients and headcount, but without the right systems to manage profitability. At one point, they were bleeding up to $70,000 a month. So Gilad made the tough call: he cut unprofitable clients, reduced staff, and rebuilt the agency around systems that supported healthy margins. "It was brutal," he admits. "We let go of big, well-known clients we loved working with. But it didn't make sense to keep losing money just to say we worked with them." That painful reset worked. By 2018, the agency was profitable again and positioned for sustainable growth. That reset set the stage for their next evolution: acquisitions. How to Use Acquisitions as a Growth Strategy (Not a Gamble) Moburst's acquisition strategy wasn't about buying revenue or chasing vanity growth. It was about buying capabilities that solved their biggest operational gaps. Their first acquisition was a video production studio they had already worked with for over a year. The partnership was strong, the culture aligned, and the collaboration was smooth. So they brought them in-house in 2019 and the agency's offerings instantly expanded. Then they looked at their next biggest outsourced expense: web and app development. So in 2022, they acquired a dev shop after a successful collaboration period. In total, Moburst has made five acquisitions, each one following a simple rule: test first, integrate later. As Gilad says, "We don't buy to solve problems. We buy what already works and multiply it." When asked about whether or not these brands keep their names after acquisition, Gilad says it all depends on their brand authority. If they do great work and have a solid team but their brand isn't as strong, then it's best to just bring it under the Moburst umbrella. In case they do have a strong brand, then they'll just make sure their website reflects they are part of a larger group. How to Structure an Agency Acquisition Deal the Smart Way For agency owners eyeing their own M&A moves, Gilad shared his preferred deal structure. Each acquisition has four key components: Cash upfront - Rewards founders for their hard work. Equity - Gives them a stake in the larger vision. Dividends - Paid yearly so they benefit from the agency's profits. Performance bonuses - Tied to the profitability of their specific business unit. This structure keeps founders motivated and aligned for years to come, without the traditional burnout that comes from rigid earnouts. Everyone wins when growth is sustainable and collaborative. Why Firing Bad Clients Helps Scale Smarter One of the biggest lessons Gilad takes away from journey is the courage to say no: to clients, deals, or directions that don't fit. Agencies often cling to bad accounts out of fear of losing revenue, but simply put, that's a silent killer. If you're not profitable on a client, you're not just breaking even; you're paying for the privilege of overworking your team. Moburst's growth didn't come from doing more — it came from doing what mattered most. By focusing, pruning, and strategically acquiring, Gilad turned a niche mobile startup into a global digital powerhouse. 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.
October 30, 2025: Today's episode explores the shifting dynamics shaping business and leadership. Across industries, experience itself is being questioned as companies reject overqualified candidates, revealing how age bias and short-term thinking are reshaping hiring. Business leaders are entering 2026 with growing pessimism as geopolitical instability overtakes inflation as their top concern, and 84% now cite political and legal volatility as a major business risk. Meanwhile, JPMorgan Chase is using its in-house AI system to help employees write performance reviews, offering a glimpse into how artificial intelligence is changing not just operations but management itself. And in retail, Walmart's CEO warns that AI is no longer an emerging tool but a leadership necessity. Together, these stories show a world where adaptability, technological fluency, and cultural stability have become the defining traits of future-ready organizations.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training How are the new technologies and tools shaping the future of agencies? How can you create an agency that outlasts trends? When you've been around for 75 years in the ad world, you've seen it all, from Mad Men, media buying by fax, the rise of the internet, and now, AI. Today's featured guest runs an agency that has been doing full-service marketing since 1950. What's impressive isn't just their longevity but also how they've stayed relevant and human in a business that changes faster than a TikTok trend. Jennifer Spire is the CEO of Preston Spire, an independent Minneapolis-based creative agency that's been helping brands grow with full-service marketing since 1950. She's the agency's fourth CEO, starting in small independent agencies, rising through global holding companies, and bringing both worlds' lessons to how she leads today. That mix of experiences shaped her leadership style grounded in independence, driven by creativity, and fiercely protective of agency culture. In this episode, we'll discuss: Building a culture that lasts seven decades and beyond. Why independence still matters in the agency world. The future of agency talent and AI. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. How One Agency Has Stayed Relevant for 75 Years Preston Spire started as a design shop in 1950 and quickly grew to a full service advertising agency, which differs from what we think of as full service today. Over the decades, it's evolved continuously, reinventing itself with every shift in marketing. Jennifer says the real secret to their longevity is adaptability. "It's really hard to continue to evolve and stay strong, but I think there's a lot to be said for an agency that can evolve and still grow while being relevant." Now they're 25 years away from a century, which is both impressive and humbling, as well as something they want to highlight more. Surprisingly, some advisors have actually told Jennifer it'd be best to not mention their 75-year run, since some might assume a 75-year-old agency should be bigger by now. However, Jennifer has a different perspective. For her, you don't have to be one of the biggest agencies to be better and longevity isn't a weakness but rather proof of resilience and reinvention. From Big Agency Bureaucracy to Small Agency Freedom Before joining Press Inspire, Jennifer spent years inside the machine of large agencies, where shareholder-driven decisions often overshadowed what's best for clients or teams. There, she learned that you don't have to be bigger to be better, a philosophy that now fuels how she runs Press Inspire, as she has chosen to keep it small enough to stay personal but strong enough to compete with anyone. Once she left the big-agency world for an independent shop, Jennifer cut her teeth doing everything from answering phones, assisting on shoots, starting media departments, and running PR. That early experience taught her the one skill every agency leader needs — resourcefulness — something she now encourages young people to develop early in their careers. Her time at big agencies, though, showed her what not to do. "You end up making decisions that are best for shareholders, not clients," she said. "At a smaller agency, I wanted everyone to be able to chart their own path and make decisions that serve both the client and the team." Building an Agency Culture Keeps People for Deacades People stay for decades at Preston, some for 37 years, others 30, and three just recently celebrated 25-year anniversaries. That kind of loyalty is nearly unheard of in today's agency churn cycle. So what's the secret? Balance. Jennifer encourages collaboration between long-time employees and newer hires with fresh perspectives. The agency operates in a hybrid setup, with three days in-office to keep creativity flowing while maintaining flexibility. It's a rhythm that keeps collaboration alive without burning people out. "Being together helps," she said. "That human connection is something you can't replicate over Zoom." Their internal compass is guided by what they call COOP values: Courage, Originality, Openness, and Positivity. The team is encouraged to take risks, fail fast, learn, and keep moving forward. Leading with Clarity: Building Alignment and Growth Paths Jennifer may be CEO, but being at a smaller agency she's not above the grind. She manages operations, oversees HR and finance, and still maintains direct relationships with every major client. That visibility matters because, as she explains, clients need to know leadership is invested in their business. Her team structure also breaks down roles by what percentage of their time is spent leading, managing, or making. This clarity helps people grow without being shoved into management if it's not something they want for their careers. This way, they get to build their unique path within the agency, a key to keeping them happy with their work. Quarterly goals, regular feedback, and individualized growth paths keep everyone aligned and fulfilled — a framework that scales culture without micromanagement. Furthermore, constant feedback, quarterly goals, and individualized growth paths help keep everyone aligned and fulfilled. Why Staying Independent Still Wins for Some Agencies Does a 75-year-old independent agency get offers from the big holding companies? They do, actually; all the time. Jennifer says M&A emails land in her inbox daily. But she's not interested. "We've had serious talks with other agencies," she said, "but we've said no every time. Staying independent is critical to our success." If they sold, they'd probably start making decisions for investors instead of their people and be back in the big agency world she escaped. For Jennifer, independence isn't just about control, it's about protecting the culture that makes their agency different. The freedom to put clients and people first is what keeps the agency thriving. Preparing for the Future: AI's Impact on Agency Talent Jennifer's not blind to the future. She's already planning staffing and financial strategy through 2030, a move that would make most agencies sweat. One question she's wrestling with: how AI will change entry-level roles and career paths. "AI has been an incredible tool and has allowed us to be more efficient," she said. "But if it takes away too much of the junior work, where do mid-level people come from five years from now?" The truth is that the jobs won't vanish, they'll evolve. Junior people using AI can perform at mid-level. Mid-level people can perform like senior leaders. You'll just need fewer of them. Still, Jennifer sees it as a call to action for colleagues and agency leaders alike: train people not just in the AI tools, but in critical thinking, problem solving, creativity, and the human side of marketing. 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.
Text a question to Victoria!Your website might be costing you clients without you even realizing it. Discover how to tell if your website is a true brand asset or if it's actually a brand liability. As a female entrepreneur, your website is often the first impression your clients have and it can either build trust and credibility or create hesitation that keeps potential clients from booking with you.In today's episode, Victoria is sharing valuable information to teach you how to make your website work for you, not against you. From designing with user experience in mind, to creating consistent branding, and using storytelling and messaging that speaks directly to your ideal clients, you'll gain strategies to turn your website into a conversion-driving, trust-building tool. Be sure to listen all the way through because Victoria is giving you a six step framework to help you do a self audit of your website! If this still feels daunting to you, don't worry! Keep listening because there may even be a special offer to help you get personalized guidance on how to optimize your website!Like Victoria always says, you don't get a second chance at a first impression, so get ready to take notes and let's turn your website into your brand's strongest asset! Give Your Website a Self-Audit! Ask Yourself These Six Questions!1. Can a stranger understand who you serve and how in less than five seconds when they land on your website?2. Do your visuals and messaging feel like the same brand across all platforms? 3. Would you be proud to send a high ticket customer to your website right now?4. Do you think your friends are excited to send out your website URL when they are referring someone to you?5. Does your site guide users towards one clear action?6. Does it communicate authority and professionalism equal to your expertise?Links Mentioned in Today's Episode:Get a FREE Website Audit by VictoriaWork With BrandWell DesignsLooking for Brand Clarity? Join The Branding Business School!Follow BrandWell on InstagramFor show notes, head to www.thebrandingbusinessschool.com/thepodcast/ Show notes for episodes 1-91 can be found at www.brandwelldesigns.com/thepodcast/ Follow BrandWell on Instagram. Follow The Branding Business School on Instagram. Save on your first year of Honeybook using this link! Save 50% off your first year of Flodesk using this link! Get $30 off your first month of Nuuly using this link!Get up to $150 off your first box of Factor Meals using this link!
Greg Cosell of NFL Films joins Willard and Dibs to recap the 49ers loss to the Texans, to turn the page ahead to Week 9 vs. the Giants, and more.
5. The Democratic Convention: Wilson's Downfall and the Rise of Cox and Roosevelt David Pietrusza 1920: The Year of the Six Presidents Meeting in San Francisco in July 1920, the Democrats grappled with Woodrow Wilson's political liability due to his uncompromising League of Nations stance and desire for a third term. Wilson received only a grim demonstration of support, and his cabinet feared he would die if nominated. The two leading contenders were William Gibbs McAdoo, Wilson's son-in-law, and Ohio Governor John Cox. Due to the Democratic two-thirds rule, the convention took many ballots. Cox, a moderate publisher, secured the nomination after 44 ballots. After meeting with Wilson, Cox abandoned his moderate position to strongly support the League. Franklin D. Roosevelt was chosen as Vice President due to his name recognition, Navy service, and New York connections. 1929 HOOVER INAUGURAL
Patience will be the death of you. In a world that tells you it's okay to stand still, discover the truth that you are either getting better or you are getting worse, there is no in between. In episode 826 of the Savage Perspective Podcast, host Robert Sikes sits down with leadership expert and author Marcus Aurelius Anderson to discuss why most people get stuck in a victim mentality. They explore how to choose your adversity, build true resilience, find your purpose, and take immediate action. This conversation provides a straightforward guide to fixing your mindset, developing self leadership, and understanding that if you are not actively moving forward, you are falling behind.Ready to apply these principles of discipline and crush your physical goals? Join Robert's FREE Bodybuilding Masterclass and learn the system to build a superior physique. You can sign up here: https://www.ketobodybuilding.com/registration-2Get Keto Brick: https://www.ketobrick.com/Subscribe to the podcast: https://open.spotify.com/show/42cjJssghqD01bdWBxRYEg?si=1XYKmPXmR4eKw2O9gGCEuQChapters:0:00 - Why Action is Better Than Reaction 1:19 - What It Takes To Put On A World-Class Event 3:23 - The Difference Between Excellence and Perfection 5:49 - How To Turn Adversity Into Victory 7:25 - How To Get Out Of Your Own Head 9:04 - Why You Must Choose Your Adversity 10:36 - The Myth of Maintenance: Are You Getting Better or Worse? 12:11 - Why Patience Will Be The Death Of You 13:12 - How To Figure Out What You Really Want 15:05 - The Brutal Truth About How Much Time You Have Left 16:55 - How To Find Your Life's Purpose 19:02 - Memento Adversis: A New Way to Think About Hardship 20:49 - The Adversity Perception Cycle: Victim vs. Victor 23:25 - You Can Choose Your Hardship, Or It Will Choose You 25:49 - The Truth About People Who Call Themselves "Victims" 28:51 - Casualties vs. Victims: What's The Difference? 30:22 - Why Life Gets Harder As You Get Older 33:06 - Nature vs. Nurture: Where Does True Grit Come From? 35:51 - A Story That Will Change Your Perspective On Hardship 39:13 - How To Help Someone Without Being Insensitive 42:40 - The #1 Mistake People Make In Conversations 45:42 - How Pragmatic Empathy Makes You A Better Leader 49:18 - Is Technology Creating a Generation of Victims? 51:55 - The "Walking Dead" Generation 53:23 - Are You An Asset or a Liability? Here's How To Know 58:55 - Can You Pass This Basic Physical Test? 1:01:02 - You Don't Rise To The Occasion, You Default To Your Training 1:02:21 - How To Carry Yourself So People Don't Mess With You 1:05:18 - The Real Definition of Leadership 1:08:41 - How To Know If You Have a Strong Belief System 1:11:20 - The Biggest Problem With The "Mindset" Industry 1:13:54 - Are You Sabotaging Your Own Success? 1:17:36 - The Most Powerful Thing You Can Do For Yourself 1:20:25 - Want To Stand Out? Be More Authentic 1:23:48 - Is The Modern World a Broken System? 1:28:06 - How To Find The Work You Were Meant To Do 1:30:45 - Why You Should Think Of Yourself As a Brand 1:33:45 - Everyone Wants To Be Strong, But No One Wants The Adversity 1:38:13 - You Have More Physical Capacity Than You Realize 1:40:02 - The Warrior Standard: Leave Everything On The Field 1:42:22 - We're Going To Workout After This, Right? 1:46:44 - The Downside of Being a High Achiever 1:50:03 - You Are The Average of The 5 Emotions You Feel Most 1:52:25 - Where To Find Marcus Aurelius Anderson
Every machine shop relies on outside processes—whether that's heat treating, plating, grinding, or coating. But every time a part leaves your building, your risk profile changes. Quality, timing, and accountability become harder to control. In this episode of MakingChips, the hosts sit down with Charlie Hushek, owner of Phoenix Heat Treating and a newly minted machine shop owner, to unpack what it really takes to manage outside processes like a pro. Charlie's experience on both sides of the fence—running a generational heat-treating company and now owning a machining operation—gives him a rare perspective on what separates smooth partnerships from painful ones. He shares the top mistakes shops make when sending parts out, how to build lasting vendor relationships, and how to turn your outside processes into a seamless extension of your own workflow. The conversation dives deep into practical strategies for planning, communication, and documentation, plus how to handle the inevitable hiccups along the way. From establishing fixed processes to verifying incoming and outgoing inspections, this episode equips manufacturing leaders with the tools they need to reduce risk, improve consistency, and strengthen their supplier relationships. If you've ever lost sleep waiting on a heat-treating order—or had a part fall off a truck—this one's for you. Segments (0:00) Highlights from the Automated Shop Conference and the rise of blue-collar value (3:40) Introducing Charlie Hushek, third-generation owner of Phoenix Heat Treating (5:00) The connection between automation, culture, and building value in acquisitions (7:09) Phoenix Heat Treating's transparency advantage: real-time client portal tracking (8:19) How each added process increases risk, scrap rate, and lead time (10:10) Real-world stories: when parts fall off trucks and lessons learned from it (11:26) Building relationships and setting expectations with outside vendors (12:57) Why “heat treat per print” isn't enough—clarity prevents costly mistakes (15:50) Inviting vendors to planning meetings to align early on risk and tolerance (17:45) The value of educating yourself about heat treating and other outsourced processes (18:27) Treating your vendors like partners—turn them into extensions of your shop (19:36) Relationship-building tips: tours, face-to-face meetings, and yes, donuts (20:31) Drill in on your workholding with SMW Autoblok (21:15) How clear documentation and fixed process numbers can save time and eliminate confusion (26:34) Using ERP systems like ProShop to manage outside processes and supplier specs (27:41) Why outgoing and incoming inspections are critical for accountability (28:57) Handling disputes over damage, missing parts, or quality issues (32:33) How ProShop automates documentation and visual tracking for outside operations (35:03) Liability and how heat treaters manage high-risk, high-value parts (38:28) The importance of empathy when resolving quality issues (39:57) Quoting faster: what information outside vendors need upfront (41:46) The “Hot Potato vs. Baton Pass” analogy—how to work as one unified team (43:40) Why relationship-building directly impacts quoting speed and quality priority (44:31) Eliminate risk by integrating your partners into your process (46:41) Make sure you meet us at Top Shops 2025! Resources mentioned on this episode Phoenix Heat Treating's transparency advantage: real-time client portal tracking Drill in on your workholding with SMW Autoblok Get 20% off your Top Shops 2025 ticket with code MAK20 Connect with Charlie on LinkedIn Connect With MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube
This week on What The Truck?!?, Malcolm Harris kicks off a loaded four-piece Monday special with powerhouse guests and big industry takes. FreightWaves' own Craig Fuller returns fresh off an epic F3 and unloads on the ATA's “driver shortage” myth, calling for accountability and smarter policy to protect veteran drivers and restore safety across the roads. Next up, Craig Leinauer of Travelers digs into the rising broker liability crisis — from contract traps to AI-enhanced cargo theft and cluster scams — and shares critical steps brokers can take to protect their business. Then, Dan Cicerchi, GM and VP of Transportation Management Solutions at Descartes MacroPoint, breaks down the future of visibility, automation, and AI-driven fraud prevention, and how trust and data accuracy continue to power smarter supply chains. Finally, Mike Beckwith of Odyssey Logistics joins the show to talk 3PL automation, capacity pain points, and market inflection, with a no-BS look at tech adoption, regulation, and how carriers are staying agile in a tightening economy. Packed with insight, candor, and a few mic-drop moments — this is one What The Truck?!? you don't want to miss. Watch on YouTube Visit our sponsor Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts #WHATTHETRUCK #FreightNews #supplychain Learn more about your ad choices. Visit megaphone.fm/adchoices
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Ever looked at your agency's bank account and thought, “We're crushing it!” only to realize two months later that half that cash wasn't really yours yet? Or maybe you've hit that milestone where you start wondering what your agency might be worth if you sold it tomorrow… but your books are a confusing mix of guesswork and gut feelings. Today's featured guest was a finance expert before falling in love with the agency world and has the experience to show how smart financial planning (not just getting more clients) can completely reshape your agency's future. From forecasting and cash flow to the hard truths about selling, this conversation is packed with real-world lessons every agency owner needs to hear. Lacie Edgeman is the partner and co-owner of PrograMetrix, a digital paid media agency that focuses exclusively on programmatic advertising. With a background in finance, she oversees operations and financial strategy. However, like most small-agency leaders, she's worn just about every hat at some point. Her unique blend of financial discipline and operational savvy has helped her agency grow smart, not just fast. In this episode, we'll discuss: The superpower too many agencies ignore. Cash vs. accrual accounting. Why you should always be tracking these two KPIs. How much cash should you keep in the bank? Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. How a Finance Major Became an Agency Owner After earning a finance degree, Lacie joined a digital agency in Austin as a billing coordinator and quickly discovered she loved the chaos. “You either love it or you hate it,” she says. “I love the fast pace environment and the fact that it challenges me.” That early exposure to how agencies really work, from billing quirks to client chaos, gave her a perspective most creatives never get. By the time she joined PrograMetrix, she wasn't just another partner with ideas; she was the numbers-minded operator who could make sure every big creative idea actually paid off. Forecasting: The Superpower Too Many Agencies Ignore From a finance perspective, Lacie's biggest message for agency owners is to stop running their business off their checking account. “Future planning is where most agencies miss the mark,” she says. It's important to review your historical, of course, but Lacie recommends creating a forecast and revisit it quarterly. This way, if you want to add $1 million in take-home revenue, you can map out exactly which KPIs need to move to make that happen.. This is way, if you, for instance, want to add $1 million in take-home revenue, you can map exactly which KPIs need to move to make that happen. That forward focus creates smarter, calmer decisions; especially when things get uncertain. You can't sleep easy until you know what's coming in, what's going out, and how your pipeline will affect cash flow six months from now. Cash vs. Accrual Accounting: How to Stop Fooling Yourself About Profit When Lacie joined PrograMetrix in 2019, one of her first moves was switching from cash accounting to accrual accounting, a game changer for any media agency. Why? Because when you're handling large media budgets, those big lump payments from clients don't actually mean profit. Accrual accounting forces you to recognize revenue when the work is done, not when the check clears. “It's the only way to see what's actually happening,” Lacie explains. Otherwise, agencies can get fooled into thinking they're thriving when all they've done is temporarily hold pass-through media dollars. For anyone running paid media, she considers accrual accounting “painful but essential.” Furthermore, accrual accounting becomes critical when you're planning to sell your agency. It's not just about cleaner books, it's about protecting your valuation. In cash accounting, all incoming payments hit your revenue the moment they land, even if you haven't delivered the work yet. That can make your agency look healthier than it really is. However, a smart buyer will spot it—and they'll adjust your purchase price down to reflect any undelivered work. If you're serious about eventually selling, move to accrual accounting early so your books reflect true earned revenue. It not only helps you understand your real profitability but also builds trust with future buyers. Building the Right Financial Advisory Team for Your Agency Anyone with prior experience selling a business will probably tell you “if you're planning on selling soon, don't rely solely on a broker”. Brokers are financially motivated to close the deal fast, not to get the best terms. Instead, surround yourself with people who don't have skin in the game. Considering that most agency owners probably come from a creative background, Lacie suggests finding financial mentors or advisers who will tell them what they need to hear, not what they want to hear. You don't have to become a QuickBooks expert, but you do need to understand what your financials are saying about the health of your business. 2 KPIs Every Agency Owner Should Track If Lacie were stranded on an island and could only get one napkin of financials, it'd include two numbers: Topline Revenue (excluding media spend) EBITDA (basically your take-home before taxes) EBITDA is very important here, because you can have great revenue but without free flowing funds to invest back in the business, you'll still be a red flag for potential buyers. Those two tell her almost everything about an agency's financial health. “You can only cut costs so far,” she says. “At some point, you have to grow the top line strategically.” The real game is in balancing both, keeping a clean cost structure while expanding profitable revenue. Owners should also understand adjusted EBITDA, which adjusts for one-off expenses, to get a clearer view of your operational performance. It's something a potential buyer would do any way to get a more accurate picture of your agency's financial health. How Much Cash Should You Keep in Reserve? Ask ten agency owners this question, and you'll get ten answers. Lacie says three months of operating cash is the industry rule of thumb, though she's heard advisers tell sellers to shrink that down to one month before an acquisition. Many would disagree with that advice, but ultimately the right number depends on your risk tolerance and client concentration. If a single client dominates your revenue, then the most important advice would be to secure a line of credit before you need it. Losing a “gorilla client” (one worth more than 20% of your revenue) can wreck cash flow overnight. A credit line buys you breathing room so you don't start saying yes to bad clients just to make payroll. Niching Down Is the Key to Profitability and Valuation For Lacie, niching down was the single best move for PrograMetrix. “When you try to be everything to everyone, you can't scale,” she says. Every one-off client that doesn't fit your core offer quietly drains profit and focus. She urges agency owners to ask themselves if they're offering the right services and double down on what they're great at, not just good at. The rule is simple: the more focused you are, the more you can charge. Start by raising prices for new clients and soon the gap between legacy clients and new ones will convince you of the need to raise prices for legacy clients too. One mastermind member added $72,000 in monthly recurring revenue simply by repricing existing clients after niching. Each year, Lacie's team audits their client roster to identify accounts they've outgrown. It's never easy—many are long-time relationships—but letting go of clients who no longer fit is what creates room for bigger, better ones. 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
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
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