Podcasts about mba

Master's degree in business leadership

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    Latest podcast episodes about mba

    Early Retirement
    The Hidden Cost of Financial Optimization (And How to Avoid It)

    Early Retirement

    Play Episode Listen Later Aug 21, 2025 17:43 Transcription Available


    What if the “financially optimal” choice doesn't actually lead to your best life?This conversation explores the balance between optimizing money and optimizing happiness. We break down the Five Types of Wealth—financial, time, social, mental, and physical—and show why sometimes the decision that looks inefficient on paper may actually be the smartest for your overall wellbeing.From real-life examples like paying for time-saving conveniences or investing in health, to reflections on why peace of mind often matters more than perfect numbers, this episode reframes what true optimization looks like.Because at the end of the day, wealth isn't just about money. It's about building a life you don't want to retire from.- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

    The Maximum Lawyer Podcast
    Mastering Financial and Leadership Challenges in Law Firm Ownership

    The Maximum Lawyer Podcast

    Play Episode Listen Later Aug 21, 2025 47:07


    Watch the YouTube version of this episode HEREIn this episode of the "Maximum Lawyer" podcast, host Tyson is joined by law firm consultants Brooke and Pam to discuss the financial and leadership challenges of running a law firm. They explore the importance of hiring and retaining the right team, setting clear core values, and avoiding burnout by delegating tasks. This episode highlights the dangers of chasing revenue over profitability, the value of transparency and benchmarking, and the mindset shifts needed for sustainable success, emphasizing self-care, trust, and building a positive, high-performing firm culture.02:13 Why the $2 Million Benchmark?06:19 Traits of Highly Successful Law Firms19:59 Identifying and Managing Toxic Employees33:16 Warning Signs of Owner Overload41:27 Mindset Shifts for Law Firm Owners Connect with Brooke and Pam:Website Instagram FacebookLinkedInLinkedIn Personal Tune in to today's episode and checkout the full show notes here.Brooke LivelyFounder & CEO, CathcapBrooke Lively is the founder and CEO of Cathcap, where she helps entrepreneurial law firm owners and business leaders build profitable, sustainable companies. After earning her MBA in corporate finance and investments, she helped her family's firm hit seven figures in just eighteen months—sparking a career dedicated to turning gut-driven decisions into data-backed growth strategies. Since 2013, Brooke and her team have worked with hundreds of firms, bringing clarity, profitability, and stability. An EOS Implementer® and international best-selling author of Exit on Top and the From Panic to Profit series, Brooke is a sought-after speaker featured in Forbes, U.S. News & World Report, and on CNBC.Pam MeissnerCOO & CFO, CathcapPam Meissner, COO and CFO of Cathcap, is a seasoned financial strategist with decades of experience as a CFO, COO, and CEO across industries. She specializes in turning complex financials into clear strategies that drive growth and profitability, helping companies scale to billion-dollar valuations. Known for her global perspective, adaptability, and problem-solving skills, Pam draws on a career that blends business leadership with personal resilience. Beyond finance, she's an award-winning baker, avid reader, and self-taught fashion designer. Pam's leadership is rooted in clarity, creativity, and a commitment to helping business owners achieve both financial success and balance.

    Start With A Win
    How Ken Schmidt Saved Harley-Davidson

    Start With A Win

    Play Episode Listen Later Aug 20, 2025 36:02


    This episode of Start With a Win dives into the remarkable story of how a motorcycle brand transformed from the brink of collapse to becoming an iconic global powerhouse. Host Adam Contos sits down with Ken Schmidt, the former head of communications at Harley-Davidson, who reveals how shifting focus from simply selling products to creating authentic human connections reshaped the brand's destiny. Packed with powerful lessons on leadership, loyalty, and the psychology of consumer behavior, this conversation is a masterclass in standing out and building unshakable emotional bonds with customers.Ken Schmidt is one of the business world's most demanded executive advisors and speakers, driven by the acclaim he earned leading Harley-Davidson Motor Company's against-all-odds turnaround in the 1990s from the brink of financial ruin to global dominance. He's the author of Make Some Noise: The Unconventional Road to Dominance, the host of the Tailgating with Geniuses podcast, and co-founder of Torque Sessions Leadership Training. Ken's success, unconventional business approach, and playful outspokenness led him to consulting assignments with household-name brands and transformed him into a highly requested speaker with more than 1,200 keynotes presented globally to date.00:00 Intro01:52 What is fun about a company at it's worst point?05:01 What should you be known for to get this?11:36 Can you find glorious discoveries by an accident? 16:08 What are your five pillars?21:01 Great businesspeople never talk about what they sell…   22:06 What is noise of a business?28:10 Is efficiency the key?31:37 What are your three to five words as a leader?    34:40 I do this over coffee… https://kenspeaks.com/https://www.torquesessions.com/===========================Subscribe and Listen to the Start With a Win Podcast HERE:

    Early Retirement
    I Want To Retire (Or Just Work Less). Will I Still Be On Track For A Comfortable Retirement?

    Early Retirement

    Play Episode Listen Later Aug 18, 2025 11:26 Transcription Available


    Some choose to grind a few more years in a high-paying job they dislike, aiming for an early, full stop at retirement. Others step into more fulfilling work that pays less, but adds purpose to their days—and often still results in more wealth than expected.Take John and Jennifer. Both start at age 50 with $1M saved and $150K salaries. John works five more years at a job he doesn't enjoy, retiring at 55 with $1.62M. Jennifer switches to work she loves at $100K for 10 years, retiring at 60 with $2.1M. The math is surprising—Jennifer ends up with more assets and more joy along the way.The concept? Recreational employment—working because you want to, not because you have to. Even modest income in “retirement” years can keep your portfolio compounding instead of depleting, lowering risk and increasing freedom.Your retirement strategy shouldn't just hit arbitrary financial targets—it should serve your life goals. Explore the scenarios and see which path fits you best at earlyretirementpodcast.com.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

    This Is Woman's Work with Nicole Kalil
    How To Take A Sabbatical with Katrina McGhee | 336

    This Is Woman's Work with Nicole Kalil

    Play Episode Listen Later Aug 18, 2025 37:03


    Let's talk about taking a break — on purpose. A career break that's planned, powerful, and maybe even paid. Yep, we're talking about sabbaticals, and no, they're not just for burned-out professors or unicorn executives. In this episode, we're joined by Katrina McGhee, a certified master coach, MBA, sabbatical strategist, and author of Taking a Career Break for Dummies. She's also the co-founder of BreakSpace, a community for professionals designing intentional time off. After leaving her corporate job in 2013, Katrina traveled the world for 20 months and came back to five job offers in five weeks — so yeah, she knows what she's talking about. We explore how a sabbatical can be: A strategic move for your career growth A burnout buster with real ROI The reset button you didn't know you were allowed to hit A radical rejection of hustle culture  The gateway to more joy, clarity, and fulfillment — in work and life If you're constantly on empty, chasing a finish line that never comes, or wondering if there's more to life than back-to-back Zoom calls... this one's for you. Connect with Katrina:  Website: www.kmcgheecoaching.com/blueprint  Breakspace: https://www.gobreakspace.com/  LI: https://www.linkedin.com/in/katrinamcghee222/  Related Podcast Episodes: 7 Questions For Living A Meaningful Life with Marni Battista | 322 How to Turn Job Seeking into Job Shopping with Madeline Mann | 318 The Ambition Trap with Amina AITai | 309 Share the Love: If you found this episode insightful, please share it with a friend, tag us on social media, and leave a review on your favorite podcast platform!

    The Business Ownership Podcast
    The Key to Business Growth - Pablo Paul Lemberg

    The Business Ownership Podcast

    Play Episode Listen Later Aug 18, 2025 33:00


    Are you undervaluing your products and leaving money on the table? How much growth are you missing because you don't fully understand your metrics? In this episode of The Business Ownership Podcast I interviewed Pablo Paul Lemberg. Paul has advised entrepreneurs and worked with thousands of business owners to grow revenues, profits and valuation — since 1996. He's started and sold two software companies, the first before he turned 30 and published three books — one a best seller. He holds the unusual combination of an art degree and an MBA and is a member of Mensa. Paul practices his own brand of chaos magic and combines business coaching with practical spirituality. His clients typically grow profits from 2-10x. One client sold his healthcare chain for over $100 million. He's spoken on stage for Jay Abraham, Tony Robbins, T. Harv Eker, Marshall Sylver, Brian Tracy, CEOSpace, Digital Marketer, Roland Frasier, and many others. He's been featured in the New York Times, the LA Times, the Wall Street Journal, CNN, CNBC, and Good Morning America, as well as hundreds of special interest publications. Do you know the cost of serving a customer—or are you flying blind?Grab the key to unlock your business growth. Check this out!Show Links:Pablo Paul Lemberg Website: https://www.lemberg.com/Pablo Paul Lemberg on LinkedIn: https://www.linkedin.com/in/unreasonable/Pablo Paul Lemberg on Facebook: https://www.facebook.com/paullembergBook a call with Michelle: https://go.appointmentcore.com/book/IcFD4cGJoin our Facebook group for business owners to get help or help other business owners!The Business Ownership Group - Secrets to Scaling: https://www.facebook.com/groups/businessownershipsecretstoscalingLooking to scale your business? Get free gifts here to help you on your way: https://www.awarenessstrategies.com/

    B2B SaaS Marketing Snacks
    89 - Is founder-led GTM a strength or a risk for SaaS investors

    B2B SaaS Marketing Snacks

    Play Episode Listen Later Aug 18, 2025 32:37


    Is founder-led growth helping or holding you back?Early wins often come straight from the founder's voice. Nobody knows the problem better, or tells the story with more passion. That credibility is what gets the first customers to sign, keeps them close, and often carries a young company through its earliest deals. But founder-led growth has limits. Time runs out. Markets expand. What worked at $1M ARR may stall out at $15M.In Episode 89 of B2B SaaS Marketing Snacks, host Brian Graf and Kalungi founder Stijn Hendrikse unpack both sides of founder-led growth: why it's such a powerful accelerator in the beginning, and why it can quietly become a ceiling if companies don't evolve.You'll hear how to recognize the signs that your business is over-reliant on the founder, and what founders, teams, and investors can do to keep growth compounding even as the company matures.Critical topics in this episodeWhy founder-led growth works: The credibility, subject matter expertise, and customer intimacy that early adopters can't resist.Where it breaks: The hidden ceiling that appears when everything still flows through the founder.Transition challenges: Letting go of sales, messaging, and culture without losing the magic.Investor view: How search funds and acquirers spot businesses that need to move past the founder model.The Kalungi story: What happened when Stijn stepped away, and how Brian navigated the shift to a broader team-led approach.Amplifying the founder's voice: Ways to scale thought leadership without burning out the founder.By the end, you'll see founder-led growth for what it is: a launchpad, not a permanent operating model. And you'll walk away with sharper instincts for when to double down on the founder's voice—and when it's time to build beyond it. B2B SaaS Marketing Snacks is one of the most respected voices in the SaaS industry. It is hosted by two leading marketing and revenue growth experts for software:Stijn Hendrikse: Author of T2D3 CMO Masterclass & Book, Founder of KalungiBrian Graf: CEO of KalungiB2B SaaS companies move through predictable stages of marketing focus, cost and size (as described in the popular T2D3 book). The best founders, CFOs and COOs in B2B SaaS rely on a balance of marketing leadership, strategy and execution to produce the customer and revenue growth they require. Staying flexible and nimble is a key marketing asset in a hard-charging B2B world.Resources shared in this episode:BSMS 77 - Leveling up your go to marketThe 4 SaaS Marketing Leadership Maturity Stages ExplainedLooking for a Startup Marketing Agency? Here's What Every B2B SaaS Founder Needs to Know T2D3 CMO MasterclassSubmit and vote on our podcast topicsABOUT B2B SAAS MARKETING SNACKSSince 2020, The B2B SaaS Marketing Snacks Podcast has offered software company founders, investors and leadership a fresh source of insights into building a complete and efficient engine for growth.Meet our Marketing Snacks Podcast Hosts: Stijn Hendrikse: Author of T2D3 Masterclass & Book, Founder of KalungiAs a serial entrepreneur and marketing leader, Stijn has contributed to the success of 20+ startups as a C-level executive, including Chief Revenue Officer of Acumatica, CEO of MightyCall, a SaaS contact center solution, and leading the initial global Go-to-Market for Atera, a B2B SaaS Unicorn. Before focusing on startups, Stijn led global SMB Marketing and B2B Product Marketing for Microsoft's Office platform.Brian Graf: CEO of KalungiAs CEO of Kalungi, Brian provides high-level strategy, tactical execution, and business leadership expertise to drive long-term growth for B2B SaaS. Brian has successfully led clients in all aspects of marketing growth, from positioning and messaging to event support, product announcements, and channel-spend optimizations, generating qualified leads and brand awareness for clients while prioritizing ROI. Before Kalungi, Brian worked in television advertising, specializing in business intelligence and campaign optimization, and earned his MBA at the University of Washington's Foster School of Business with a focus in finance and marketing.Visit Kalungi.com to learn more about growing your B2B SaaS company.

    Ryan's Method: Passive Income Podcast
    Watch This BEFORE Creating Another Amazon Merch Listing in 2025+

    Ryan's Method: Passive Income Podcast

    Play Episode Listen Later Aug 18, 2025 10:43


    The #1 app for Amazon Merch sellers recently saw a huge update that's making it even easier to publish new listings on MBA! Must see!

    Did You Bring the Hummus?
    Episode 113 This is the best time to go vegan with Naijha Wright-Brown

    Did You Bring the Hummus?

    Play Episode Listen Later Aug 18, 2025 56:54


    Today, I am joined by Naijha Wright-Brown. Naijha is a 2021 Baltimore Business Journal Enterprising Women of Excellence Honoree.  A native New Yorker, raised in the South Bronx, Naijha is a people person and loves to make connections.  She was introduced to gardening, farming, environmentalism, sustainability, and the basics of eating healthy while spending summers in Massachusetts as a teenager.  Naijha has an MBA in Business from the University of Phoenix and is a successful serial entrepreneur.  The thought of owning a restaurant never crossed her mind until she relocated to Baltimore in 2005 and met her fellow Verizon Wireless co-worker, now husband, Gregory Brown.Naijha is a partner and the Marketing Director for The Land of Kush, VeganSoul Bistro, and co-creator of Vegan Soulfest and Maryland Vegan Restaurant Week.  She is the Executive Director of the Black Veg Society, a non-profit organization whose mission is mission is to educate predominantly Black, Indigenous and People of Color (BIPOC) communities, on the benefits of holistic living, the plant-based diet, and veganism.  Naijha, also, has a digital talk show, Naijha Speaks, that helps people on a mission to find their vegan soul!To connect with Naijha: https://www.mdveganeats.com/ for Maryland Restaurant monthhttps://landofkush.com/https://www.vegansoulfest.com/https://blackvegsociety.org/Instagram: https://www.instagram.com/thelandofkush/https://www.instagram.com/blackvegsociety/https://www.instagram.com/vegansoulfest/To connect with me:Follow me on Facebook and Instagram @didyoubringthehummusFor more info on my Public Speaking 101 program: ⁠https://www.didyoubringthehummus.com/publicspeakingforactivists⁠Contact me here or send me an email at info@didyoubringthehummus.comSign up for meditation sessions hereSign up for The Vegan Voyage, to sponsor the podcast, book meditations packages, or sign up for my Public Speaking program hereJoin my Podcast Fan Facebook Group: https://www.facebook.com/groups/didyoubringthehummus/To be a guest on the podcast: https://www.didyoubringthehummus.com/beaguest©2025 Kimberly Winters - Did You Bring the Hummus LLCTheme Song ©2020 JP Winters ⁠@musicbyjpw⁠

    Cataract Coach with Uday Devgan MD
    125: CataractCoach Podcast 125: Nitin Chopra MD MBA

    Cataract Coach with Uday Devgan MD

    Play Episode Listen Later Aug 17, 2025 58:33


    As ophthalmologists, we are smart and hard working and that's how we earned one of the coveted spots to do this specialty (only 525 spots in the USA per year which is up from 460 in years prior). What if we applied those same talents to the world of Wall Street Finance, Investment banking, or hedge funds? Would we have been happier and now retired before age 50? Our podcast guest today is Dr Nitin Chopra who did college at Stanford then an MBA from Wharton and spent 10 successful years working in finance. But then he decided to apply to medical school and become an ophthalmologist! Truly a fascinating journey and a great discussion with amazing insight.  We feature a new podcast every week on Sundays and they are uploaded to all major podcast services (click links here: Apple, Google, Spotify) for enjoying as you drive to work or exercise. The full video of the podcast is here on CataractCoach as well as on our YouTube channel. Starting now we have sponsorship opportunities available for the top podcast in all of ophthalmology. Please contact us to inquire.

    Over the Back Fence
    Chelsea Pottenger - Overcoming Postnatal Depression & Founding EQ Minds

    Over the Back Fence

    Play Episode Listen Later Aug 17, 2025 69:29


    This week Nicola and Di chat with the incredible Chelsea Pottenger. Chelsea is the founder of EQ minds, a high performance mindset and meditation coach, a sought-after keynote speaker, author of The Mindful High Performer, a former US College Division 1 basketballer with an MBA. Chelsea works with large brands globally, helping people reset, recharge and perform at their best. A proud mum, a devoted wife, a passionate mental health advocate and an ambassador for The Gidget Foundation, supporting new parents through perinatal anxiety and depression. In this episode we get to hear Chelsea’s story - from growing up in rural NSW with a strong work ethic, to being scouted by US colleges to play basketball at the highest level, to an injury which brought her home, and the love story that was happening in the background of all of this. Chelsea opens up about the painful struggle she went through, when after trying for 7 years to fall pregnant, she finally gave birth to her daughter Clara and then suffered severe postnatal depression, which led to her being admitted to a psychiatric hospital. She talks about how she got through that dark time and the incredible resources that are available for any parents who may be going through similar challenges. We also hear about the wonderful new career that came from Chelsea’s rock bottom. She went on to study mindfulness and psychology, founded EQ minds and now spends her time sharing helpful evidence-based tools to help people perform at their best and thrive. She has shared stages with some of the most incredible people as a sought-after speaker and we were so lucky to have her with us in the studio. This conversation really covers it all and we loved the way that through talking about Chelsea’s mental health challenges and the struggles she faced, there was also so much light and laughter in this interview. We hope you love it as much as we did. This episode is proudly supported by Montgomery Investment Management, trusted experts helping you build and protect your financial future. For further information, please contact David Buckland, Chief Executive Officer or Rhodri Taylor, Account Manager on (02) 8046 5000 or investor@montinvest.com Buy Chelsea’s Book The Mindful High Performer here - https://www.eqminds.com/the-mindful-high-performer Buy The Mindful Journal here - https://www.eqminds.com/the-mindful-journal Follow EQ minds on IG here - https://www.instagram.com/eqminds/ Follow Chelsea on IG here - https://www.instagram.com/chelseapottengerofficial/ Find out more about EQ minds here - https://www.eqminds.com/ Find out more about The Gidget Foundation and their resources here - https://www.gidgetfoundation.org.au/ Follow Nicola and Di on IG here - https://www.instagram.com/overthebackfencepodcast/ Watch Over The Back Fence on YouTube here - https://www.youtube.com/@Overthebackfencepodcast/podcastsSee omnystudio.com/listener for privacy information.

    Retirement Answers
    These 5 Tax Mistakes Will Waste Your Retirement Savings

    Retirement Answers

    Play Episode Listen Later Aug 16, 2025 27:43


    Tax planning might be the most consequential part of your retirement plan... If you plan well, you could save yourself hundreds of thousands of dollars over your lifetime. If you don't plan at all, you could give up a huge amount of your hard earned savings.In this episode, I share 5 of the most common tax planning mistakes that I see as a retirement planner.

    Business & Personal Development with Chris Haroun
    How to invest in different sectors, Which 10 companies in the financial sector are worth researching, Tech jobs that won't be affected by AI and more.

    Business & Personal Development with Chris Haroun

    Play Episode Listen Later Aug 16, 2025 114:47


    This episode is a compilation of answers to YOUR questions that were asked directly from my listeners who attend my weekly business education YouTube live webcast. Topics covered include: How to invest in different sectors, Which 10 companies in the financial sector are worth researching, Tech jobs that won't be affected by AI and more.   Refer to chapter marks for a complete list of topics covered and to jump to a specific section. Download my free "Networking eBook": www.harouneducation.comAttend my weekly YouTube Live every Thursday's 8am-11am PT. Subscribe to my YouTube Channel to receive notifications. Learn more about my MBA Degree ProgramConnect with me: YouTube: ChrisHarounVenturesCompleteBusinessEducationInstagram @chrisharounLinkedIn: Chris HarounTwitter: @chris_harounFacebook: Haroun Education Ventures  TikTok: @chrisharoun300How to forecast a P/E ratio

    Solar Maverick Podcast
    SMP 228: After the Big Beautiful Bill: What's Next for US Residential Solar?

    Solar Maverick Podcast

    Play Episode Listen Later Aug 15, 2025 55:39


    Episode Summary: Benoy Thanjan sits down with his co-host Nate Jovanelly, Founder & CEO of SunRaise Capital, to break down how the Big Beautiful Bill is reshaping residential solar. They discuss Section 25D's removal, the surge in solar + storage, and innovative financing models like prepaid leases.   Biographies Benoy Thanjan Benoy Thanjan is the Founder and CEO of Reneu Energy, and a strategic advisor to multiple clean energy startups. Over his career, Benoy has developed over 100 MW of solar projects across the U.S., helped launch the first residential solar tax equity funds at Tesla, and brokered $45 million in Renewable Energy Credits (REC) transactions. Prior to founding Reneu Energy, Benoy was the Environmental Commodities Trader in Tesla's Project Finance Group, where he managed one of the company's largest environmental commodities portfolios. He originated REC trades and co-developed a monetization and hedging strategy with senior leadership to enter the East Coast market. As Vice President at Vanguard Energy Partners, Benoy crafted project finance solutions for commercial-scale solar projects. His role at Ridgewood Renewable Power, a private equity fund with 125 MW of U.S. renewable assets, involved evaluating investment opportunities and maximizing returns. He also played a key role in the sale of the firm's renewable portfolio. Earlier in his career, Benoy worked in Energy Structured Finance at Deloitte & Touche and Financial Advisory Services at Ernst & Young, following an internship on the trading floor at D.E. Shaw & Co., a multi billion dollar hedge fund. Benoy holds an MBA in Finance from Rutgers University and a BS in Finance and Economics from NYU Stern, where he was an Alumni Scholar.   Nathan Jovanelly Nate is the CEO and Founder of SunRaise Capital's mission is to provide affordable and accessible renewable energy options to homeowners, while reducing carbon footprints and creating a sustainable future for generations to come. They achieve their mission by partnering with industry leading solar installers to provide our customers with the best possible solar experience at competitive rates. As the CEO of an innovative residential solar lease company, he spearheads strategic initiatives aimed at harmonizing the objectives of our funding partners, installation teams, and homeowners. With a relentless focus on alignment, he cultivates collaborative relationships to ensure mutual success and satisfaction across all stakeholders. Through innovative leadership and a commitment to transparency, he drives sustainable growth while delivering exceptional value to our investors, installers, and customers alike.   Stay Connected: Benoy Thanjan Email: info@reneuenergy.com  LinkedIn: Benoy Thanjan Website: https://www.reneuenergy.com   Nathan Jovanelly SunRaise Capital Website:  https://www.sunraisecapital.com/ Linkedin:  https://www.linkedin.com/in/natejov/ Email:  nate@sunraise.com   Thank you to AMS Renewable Energy for Sponsoring this Episode of the Solar Maverick Podcast!  This episode of the Solar Maverick Podcast is brought to you by our sponsor—AMS Renewable Energy. AMS is a top-tier solar EPC that operates with the precision and mindset of a commercial general contractor. Headquartered in the Bronx, New York—and licensed nationwide—AMS has over 30 years of construction experience, tackling even the most complex solar projects with unmatched expertise and craftsmanship. Whether it's a challenging C&I rooftop, ground mount, or full turnkey solution, AMS is committed to best-in-class service and results that last. If you're looking for a solar EPC partner who understands construction inside and out—AMS Renewable Energy should be at the top of your list. Learn more at [ams-renewable.com] and tell them the Solar Maverick sent you!   Nate's other interviews on the Solar Maverick Podcast SMP 205: Revolutionizing Solar Finance: How SunRaise Capital Attracts Investors to Residential Solar Projects? https://podcasts.apple.com/us/podcast/smp-205-revolutionizing-solar-finance-how-sunraise/id1441876259?i=1000702871242   SMP 194:  2025 Solar Outlook https://solarmaverick.podbean.com/e/smp-194-2025-solar-outlook/   SMP 176:  REplus takeaways https://solarmaverick.podbean.com/e/smp-176-replus-takeaways/   SMP 166: Residential Solar Trends https://solarmaverick.podbean.com/e/smp-166-residential-solar-trends/    SMP 150: How SunRaise Capital is innovating residential solar financing? https://solarmaverick.podbean.com/e/smp-150-how-sunraise-capital-is-innovating-residential-solar-financing/    Solar Maverick Episode 147:  RE+ Takeaways https://solarmaverick.podbean.com/e/smp-147-re-conference-takeaways/    Solar Maverick Episode 139: Opportunities and Challenges with the PJM Solar Market https://www.youtube.com/watch?v=u14GHBkqcqo    Solar Maverick Episode 134: 2023 Solar Predictions https://solarmaverick.podbean.com/e/smp-134-2023-solar-predictations/   SMP 131:  How Technology and Software are innovating the Solar Industry? https://solarmaverick.podbean.com/e/smp-131-how-technology-and-software-is-innovating-the-solar-industry/    SMP 100: US Residential Solar, Storage, and Electric Vehicle Trends https://solarmaverick.podbean.com/e/smp-100-us-residential-solar-storage-and-electric-vehicles-trends/    SMP 74: Impact on COVID-19 on Residential Solar https://podcasts.apple.com/us/podcast/smp-74-impacts-of-covid-19-on-residential-solar/id1441876259?i=1000475840259      SMP 58:  Residential Solar Financing and Other Interesting Topics https://podcasts.apple.com/tc/podcast/smp-58-residential-solar-financing-other-interesting/id1441876259?i=1000459212910    SMP 20:  The Solar Intrapreneur Story:  How Nate helped IGS become one of the biggest solar asset owners in the US https://podcasts.apple.com/tc/podcast/smp-20-solar-intrapreneur-story-how-nate-helped-igs/id1441876259?i=1000432329129    

    PAC's All Access Pass Podcast
    Leaders of the Year

    PAC's All Access Pass Podcast

    Play Episode Listen Later Aug 15, 2025 32:01


    What does it take to lead patient access at scale—and with heart? In this inspiring episode, we celebrate the Patient Access Collaborative's inaugural Access Leaders of the Year: Jamie Kern, MBA, Senior Director of Access & Capacity Management at The Ohio State University Wexner Medical Center, and Ann Blanchard, BSN, MBA, Director of Access Innovations, Capacity Management & Referral CORE at Nebraska Medicine.From turning “scapegoats” into strategic powerhouses to building trust through data transparency and team empowerment, Jamie and Ann share their personal leadership philosophies, operational strategies, and digital transformation journeys. You'll hear how OSU is tackling scalability through behavior change and rigor, while Nebraska Medicine's “Access Delta” initiative and digital redesign efforts have transformed lag time and self-scheduling at an enterprise level.Together, they reflect on the evolving role of access, the myth of linear digital adoption, and why listening—not just fixing—is the key to lasting change. Whether you're redesigning visit types or shifting culture, this episode delivers lessons in resilience, innovation, and keeping the patient at the center of it all.

    Phillip Gainsley's Podcast
    Episode 151: Lawrence Perelman

    Phillip Gainsley's Podcast

    Play Episode Listen Later Aug 15, 2025 93:19


    After graduation from Macalester College in St. Paul, Lawrence Perelman imagined a performing arts cable channel. So he earned an MBA at Columbia Business School and later founded Semantix Creative Group, a strategic advisory firm for performing artists and global performing arts institutions. As Semantix's CEO, Lawrence kept pitching his idea, and even discussed it with Carnegie Hall's Clive Gillinson. In December 2021, Lawrence, as co-founder, was part of the team that launched Carnegie Hall+, a premium subscription on-demand channel on the Apple TV app. As you'll hear in this episode, his parents always encouraged him to take risks: “You want to meet someone and accomplish something? Write them a letter.” That's maybe the most valuable lesson he learned: "...to put your heart out there and make a statement." So, in 1994, he wrote a letter to William F. Buckley Jr. to thank him for emboldening Soviet Jews to come to America, as his parents did. Suffice it to say that over the years, Buckley became a friend and mentor who changed the course of Lawrence's life "because he took time to answer my letter." This is a unique episode!

    Entrepreneur Mindset-Reset with Tracy Cherpeski
    200 Episodes Deep: Season 9 Kicks Off with New Vision for Healthcare Practices – A Special Snack Episode, EP 200

    Entrepreneur Mindset-Reset with Tracy Cherpeski

    Play Episode Listen Later Aug 15, 2025 10:22 Transcription Available


    Episode 200 marks a significant milestone for the Thriving Practice Podcast, celebrating not just the achievement but the entire healthcare community that has grown alongside it. Tracy and Miranda offer an intimate look at how the podcast has evolved, what drives their content decisions, and the exciting changes coming in future episodes. This behind-the-scenes conversation reveals the heart behind the podcast and the movement it has become.  Key Highlights:  The podcast's evolution from experimental project to community movement  New content formats including association partnerships and episode series  Introduction of beta sponsorship program to expand reach and production quality  The importance of balancing 10,000-foot strategic vision with actionable implementation  How listener feedback, especially love for "snack episodes," shapes content direction  The democratic nature of the podcast as free, accessible support for all healthcare providers  Memorable Quotes: "Momentum is our friend. We can take our hard earned wisdom and build from that... it feels like a movement."  "From the perspective of above the mountains, nature is doing what it does, and it's handled... nothing can be insurmountable for us."  "This is on demand, it's always going to be free... It's evergreen and it's fully democratic."  Closing: This milestone episode captures the genuine passion driving the Thriving Practice Podcast. As Tracy and Miranda look toward the future, their commitment to serving healthcare providers remains unwavering, with exciting developments that promise to deepen the impact of this thriving community.  Miranda's Bio:  Miranda Dorta, B.F.A. (she/her/hers) is the Manager of Operations and PR at Tracy Cherpeski International. A graduate of Savannah College of Art and Design with expertise in writing and creative storytelling, Miranda brings her skills in operations, public relations, and communication strategies to the Thriving Practice community. Based in the City of Oaks, she joined the team in 2021 and has been instrumental in streamlining operations while managing the company's public presence since 2022.  Tracy's Bio:  Tracy Cherpeski, MBA, MA, CPSC (she/her/hers) is the Founder of Tracy Cherpeski International and Thriving Practice Community. As a Business Consultant and Executive Coach, Tracy helps healthcare practice owners scale their businesses without sacrificing wellbeing. Through strategic planning, leadership development, and mindset mastery, she empowers clients to reclaim their time and reach their potential. Based in Chapel Hill, NC, Tracy serves clients worldwide and is the Executive Producer and Host of the Thriving Practice podcast. Her guiding philosophy: Survival is not enough; life is meant to be celebrated.  See Where Your Practice Stands: Take our Practice Growth Readiness Assessment  Connect With Us:  Be a Guest on the Show  Thriving Practice Community  Schedule Strategy Session with Tracy  Tracy's LinkedIn  Business LinkedIn Page 

    Experience Darden
    Experience Darden #317: Student Spotlight | Mercy Ogbleba, Full-Time MBA Class of 2026

    Experience Darden

    Play Episode Listen Later Aug 15, 2025 27:36


    In this episode of the podcast, we catch up with Mercy Ogbleba. Mercy is a second year student in Darden's Full-Time MBA Class of 2026, and we talk with Mercy about her decision to pursue an MBA, what led her to Darden, what she's enjoyed about her first year, her advice for prospective students and more. Mercy is also VP of Admissions for the Darden African Business Organization (DABO), VP of Conference for Graduate Women in Business (GWIB), and VP of Careers for the FinTech club. For more insights, tips, and stories about the Darden experience, be sure to check out the Discover Darden Admissions blog and follow us on Instagram @dardenmba.

    Your Financial Pharmacist
    YFP 418: Homebuying Isn't Out of Reach: A Pharmacist's Path to Ownership

    Your Financial Pharmacist

    Play Episode Listen Later Aug 14, 2025 40:32


    Buying a home can feel overwhelming, especially for pharmacists facing student loans, rising rents, and high interest rates. Tony Umholtz, mortgage loan officer at First Horizon, shares a realistic path to homeownership, even in today's challenging real estate environment. This episode is brought to you by First Horizon. Episode Summary Buying a home as a first-time buyer in today's market can feel overwhelming, especially for pharmacists juggling student loans, high rents, and rising interest rates. In this episode of the Your Financial Pharmacist Podcast, Tim Ulbrich is joined by Tony Umholtz, mortgage loan officer with First Horizon Bank, to share a realistic path to homeownership, even in today's challenging real estate environment. You'll learn: ✅ How today's lending environment impacts first-time buyers ✅ The role student loan repayment changes play in qualifying for a mortgage ✅ Strategies to make homeownership more attainable for pharmacists ✅ Why the door to buying a home may be more open than you think Whether you're planning to buy in the next few months or just starting to explore your options, this conversation will help you feel informed, empowered, and ready to take your next step toward owning a home. About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show YFP YouTube Channel YFP 416: Student Loan Changes: Key Takeaways from the Big Beautiful Bill Learn More About First Horizon's Pharmacist Home Loan Your Financial Pharmacist

    INspired INsider with Dr. Jeremy Weisz
    [SaaS Series] Revolutionizing Conversion Optimization With Josh Payne

    INspired INsider with Dr. Jeremy Weisz

    Play Episode Listen Later Aug 14, 2025 52:49


    Josh Payne is the Founder and CEO of Coframe, an AI‑powered platform that optimizes website copy, UI, and conversion performance through machine learning. A serial entrepreneur, he previously co‑founded Autograph, a fan‑experience unicorn backed by a16z and Kleiner Perkins, and AccessBell, a video‑conferencing startup acquired by Tata Group. A Stanford graduate with BS, MS, and MBA degrees, Josh has authored over 20 papers and patents in AI and frequently guest lectures on generative AI. He is passionate about advancing AI‑driven tools that help businesses scale through personalization and intelligent automation. In this episode… Many companies struggle to turn website visitors into paying customers. Conversion rate optimization often feels slow, costly, and dependent on endless iterations, leaving teams unsure how to test the right elements efficiently. How can businesses rapidly identify what truly drives user engagement and lift conversions without exhausting their resources? Josh Payne, an AI innovator and serial entrepreneur with experience building self-improving digital systems, shares how his AI-powered approach solves this challenge by automating and accelerating conversion rate optimization. Drawing on lessons from CRO expert Justin Christianson, Josh explains the importance of systematically testing site elements, understanding visitor intent, and leveraging data-driven iteration. He also details how companies can scale experiments, reduce engineering and design burden, and uncover winning website variations faster to drive significant revenue growth. In this episode of the Inspired Insider podcast, Dr. Jeremy Weisz interviews Josh Payne, Founder and CEO of Coframe, about using AI to transform website conversion optimization. Josh discusses the power of iterative testing, lessons from raising capital for multiple startups, and the role of hackathons in building high-performing teams. He also shares insights on partnering with major brands, scaling experiments efficiently, and leveraging AI for competitive advantage.

    The Practical Wealth Show
    Building Wealth Through E-Commerce Acquisitions with Josh Marsden - Episode 355

    The Practical Wealth Show

    Play Episode Listen Later Aug 14, 2025 34:11


    In this episode of The Practical Wealth Show, Curtis May sits down with Josh Marsden, MBA, the Founder & CEO of ARM5™ Formula Co., a seasoned entrepreneur, e-commerce investor, and host of The Build Your Wealth Show.   Josh has over 12 years of experience in digital marketing and e-commerce, and he's a 2-time Inc. 5000 entrepreneur who's built and scaled multiple 7- and 8-figure businesses. Through ARM5™, Josh has created a proven acquisition method that helps investors find, buy, and own profitable, cash-flowing e-commerce companies in 120 days or less.   Highlights The secrets behind the ARM5™ Formula for acquiring e-commerce businesses How to build long-term generational wealth through digital assets What makes an e-commerce brand investor-friendly and scalable Strategies for escaping the 9-to-5 by owning online businesses Common mistakes entrepreneurs make when trying to grow or acquire businesses   Josh also shares his personal journey as an entrepreneur, how he's helped thousands of e-commerce owners scale their companies, and the mindset shifts necessary to achieve financial freedom.   Whether you're an aspiring investor, a business owner looking for your next move, or someone curious about the power of acquiring online businesses, this episode is packed with actionable insights.   Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - curtmay@gmail.com  Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink  Connect with Josh Marsden

    Books on Pod
    #535 - Trae Crowder - A Chat Between Two Former Fatsos

    Books on Pod

    Play Episode Listen Later Aug 14, 2025 34:35


    Comedian Trae Crowder chats with Trey Elling, prior to his headlining shows at Cap City Comedy Club, Aug. 14-17. Topics include:Sharing a first name, kinda (0:00)Comedy in LA and Knoxville (2:36)Trae's MBA & Psych degrees (7:55)Bonding as former fat kids (12:50)A fan of the Raiders & Vols (17:53)An ode to fatherhood (24:02)An ode to standup (31:55)The Sport of Life aims for entertaining & informative long-form conversations with comedians, filmmakers, musicians, intellectuals, authors, and sports figures!The website: https://withtreyelling.com/The Sport of Life on ESPN Austin, weekdays from 6-7pm CT: https://www.1027espn.com/show/the-sport-of-life-trey-elling/On Instagram: https://www.instagram.com/withtreyelling/On Twitter: https://x.com/withtreyellingOn Facebook: https://www.facebook.com/withtreyelling

    Money Tales
    Don't Overthink Money, with Filipa Lancastre, PhD

    Money Tales

    Play Episode Listen Later Aug 14, 2025 27:56


    In this episode of Money Tales, our guest is Filipa Lancastre, PhD. Filipa is someone who has never been afraid to do things differently. While most young adults in Portugal stay under their parents' roof until their 30s, Filipa took a different route. As a rising McKinsey consultant, she bought her own place, got her parents to guarantee the loan, and walked away five years later with a 50% return. But that was just the beginning. Filipa is an Assistant Professor (adjunct) of Strategy at Universidade Católica Portuguesa. She holds her PhD in Management from NOVA SBE. Filipa was a senior researcher and faculty at Nova SBE and Universidade Europeia. Prior to her academic activities, Filipa worked in telecom, serving as advisor to the board at ZON and leading the customer relationship management department at TV Cabo. She was also a strategy consultant at McKinsey & Company. Filipa is an Industrial Engineer from Instituto Superior Técnico (Universidade de Lisboa) and holds an MBA from INSEAD.

    Time to Transform with Dr Deepa Grandon
    Asthma Relief: Lifestyle Changes That Work Better Than You Think for Asthma Control w/ Dr. Atoosa Kourosh | Ep 36

    Time to Transform with Dr Deepa Grandon

    Play Episode Listen Later Aug 14, 2025 39:33


    For most people, asthma is a disease you manage with inhalers, pills, and a prayer that the ER isn't your next stop. But new research is upending that view and changing everything we know about managing the condition.  The big shift? Medication alone might be the least effective way to manage this chronic condition.  Asthma is, after all, inflammatory by nature, but the lifestyle choices that fuel or fight inflammation are often ignored in traditional care plans.  What if the real triggers aren't just pollen or pets, but processed food, poor sleep, and unchecked anxiety? And what if healing asthma requires more than bronchodilators, like learning how to breathe all over again?  So what does a truly modern, whole-person approach to asthma look like?  In this episode, I'm joined by Dr. Atoosa Kourosh, an Asthma, Allergy & Immunology consultant physician and integrative medicine leader who's spent two decades treating asthma from every angle, not just the pharmaceutical one.  We dive into what the latest science says about lifestyle as medicine, and how breathwork, nutrition, exercise, and gut health are changing the game for asthma patients everywhere. Things You'll Learn In This Episode  Why your exhale matters more than your inhale Most asthma patients struggle more with getting air out than in. What do breathing techniques like Buteyko and Papworth do that traditional deep breathing doesn't, and how can they rewire the lungs for better control? Can a Mediterranean diet reduce airway inflammation? Forget calorie counting. How do whole foods, fiber, and fermented veggies change your lung health through your gut? How obesity triggers two kinds of asthma dysfunction What's the double whammy effect of body fat on asthmatic lungs? The cortisol-microbiome-asthma triangle What happens to your microbiome when you miss a night of sleep?   Guest Bio Dr. Atoosa Kourosh, MD, MPH, RYT, is a physician, board-certified in Pediatrics, Asthma, Allergy & Immunology, and Public Health. She's also a patient health advocate. Dr. Kourosh combines treatment modalities from cutting-edge and mainstream medicine with the best of functional and integrative medicine therapies and traditional philosophies to treat the whole person in their environment. She is chair of the American College of Allergy, Asthma, and Immunology Integrative Medicine Committee and is an internationally renowned expert on holistic and integrative health. Visit https://www.doctoratoosa.com/ to learn more.    About Your Host Hosted by Dr. Deepa Grandon, MD, MBA, a triple board-certified physician with over 23 years of experience working as a Physician Consultant for influential organizations worldwide. Dr. Grandon is the founder of Transformational Life Consulting (TLC) and an outspoken faith-based leader in evidence-based lifestyle medicine.   Resources Feeling stuck and want guidance on how to transform your spiritual, mental and physical well being? Get access to Dr Deepa's 6 Pillars of Health video! Visit drdeepa-tlc.org to subscribe and watch the video for free. ‌ Work with Me Ready to explore a personalized wellness journey with Dr. Deepa? Visit drdeepa-tlc.org and click on “Work with Me” to schedule a free intake call. Together, we'll see if this exclusive program aligns with your needs!  Want to receive a devotional every week From Dr. Deepa? Devotionals are dedicated to providing you with a moment of reflection, inspiration, and spiritual growth each week, delivered right to your inbox. Visit https://www.drdeepa-tlc.org/devotional-opt-in to subscribe for free. Ready to deepen your understanding of trauma and kick start your healing journey? Explore a range of online and onsite courses designed to equip you with practical and affordable tools. From counselors, ministry leaders, and educators to couples, parents and individuals seeking help for themselves, there's a powerful course for everyone. Browse all the courses now to start your journey.   ​​TLC is presenting this podcast as a form of information sharing only. It is not medical advice or intended to replace the judgment of a licensed physician. TLC is not responsible for any claims related to procedures, professionals, products, or methods discussed in the podcast, and it does not approve or endorse any products, professionals, services, or methods that might be referenced. Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!

    Smart Money Circle
    A Portfolio Manager's Journey from Wall Street to Main Street: Investing Wisely for Real People

    Smart Money Circle

    Play Episode Listen Later Aug 14, 2025 26:46


    Guest:Scott A. Goginsky, CFA ®Partner & Portfolio ManagerBiondo Investment Advisors, LLCAUM: $1.1BWebsite:www.TheBiondoGroup.comDisclosure:Neither the information nor opinion expressed constitutes a solicitation by us of the purchase or sale of any securities. Past performance does not guarantee future results.Bio:Scott was drawn to the value of a small firm culture and local emphasis when he joined Biondo Investment Advisors in 2010 as a Research Analyst & Portfolio Manager. He finds managing the money of individuals rewarding, as he can help make a significant impact to them and their families. He became a Partner in 2020 and is responsible for equity research and portfolio management.Scott has provided expert commentary on financial markets and investment strategies, appearing on platforms such as NASDAQ TradeTalks, TD Ameritrade, and Business Insider to share insights with investors.He began his career at Metropolitan Life in 1996, and later became a securities analyst at ING Investment Management. He then joined Wachovia Securities as a sell-side research analyst, covering the consumer sector, before moving to Schwartz Investment Counsel as an analystand portfolio manager.Scott graduated from University of Kansas with Bachelor's degrees in Economics and Business Administration. He has an MBA from Oakland University and is a Chartered Financial Analyst® (CFA®). He is also a member of the CFA Institute.Married with twin boys in college, Scott is an enthusiastic reader and sports junkie, with special interest in his favorite team, the Chicago Bears.

    Founders Unfiltered
    Ep 135: Cross border payments for MSMEs ft. BRISKPE

    Founders Unfiltered

    Play Episode Listen Later Aug 14, 2025 51:14


    Brought to you by the Founders Unfiltered podcast by A Junior VC - Unscripted conversations with Indian founders about their story and the process of building a company. Hosted by Aviral and Mazin.Join us as we talk to Sanjay Tripathy, the CEO and founder of BRISKPE about their story.Sanjay completed his bachelor's degree from Orissa University and an MBA from IRMA. He went on to hold managerial positions at Amul, PepsiCo, Mattel, and Reliance Infocomm, and later served as VP & CMO at HDFC Life.He founded Agilio, co-founded and led Agilio Labs as CEO, and has also been a mentor and angel investor for several companies. In addition, he was Chairman of the Board at Invesco Asset Management.In 2023, he co-founded BRISKPE and currently serves as its CEO.

    JAMA Network
    JAMA Otolaryngology–Head & Neck Surgery : Stellate Ganglion Block for the Treatment of COVID-19−Induced Parosmia

    JAMA Network

    Play Episode Listen Later Aug 14, 2025 19:42


    Interview with Nyssa Fox Farrell, MD, and Lara W. Crock, MD, PhD, MSCI, authors of Stellate Ganglion Block for the Treatment of COVID-19−Induced Parosmia: A Randomized Clinical Trial. Hosted by Paul C. Bryson, MD, MBA. Related Content: Stellate Ganglion Block for the Treatment of COVID-19−Induced Parosmia

    Nopadol's Story
    EP 2598 (MBA 136) CEO Vision ตอนที่ 13

    Nopadol's Story

    Play Episode Listen Later Aug 14, 2025 18:54


    EP 2598 (MBA 136) CEO Vision ตอนที่ 13 มาต่อกับข้อคิดที่ได้จากคุณฐากร ปิยะพันธ์ ผู้จัดการใหญ่ธนาคารไทยธนชาติ จำกัด (มหาชน) ที่มาบรรยายให้กับนักศึกษา MBA ได้รับฟังในวิชา CEO Vision เผื่อจะเป็นประโยชน์นะครับ

    Transition To RIA Podcast
    Q130 - What Is An RIA Roll-Up Firm?

    Transition To RIA Podcast

    Play Episode Listen Later Aug 14, 2025 19:54


    Should you consider joining a “roll-up” firm?But what exactly are they rolling up?All of your practice?Some of your practice?Do they take operational control of your practice?Is this a succession play?As I frequently lament about the term “hybrid” as well, the term “roll-up” is often used to describe different types of RIA firms, providing very different solutions for advisors.In this episode (#130) of the Transition To RIA question & answer series I explain several different ways “roll-up” firms are structured and when it might appeal to you.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-is-an-ria-roll-up-firm/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

    The Agile World with Greg Kihlstrom
    #718: Building trust while building a brand with Meika Hollender, Nara Organics

    The Agile World with Greg Kihlstrom

    Play Episode Listen Later Aug 13, 2025 27:26


    When consumer trust is more fragile than ever, how can brands, particularly in highly scrutinized categories like infant nutrition, utilize the latest approaches to not only build trust but also deepen consumer relationships? Agility requires not only adapting to evolving consumer expectations and technological advancements but also maintaining ethical and transparent practices, especially when dealing with sensitive topics such as infant health. It also demands a willingness to experiment, learn, and iterate quickly in response to market feedback and emerging trends. Today, we're going to talk about building trust in a digital age, navigating the complexities of launching a purpose-driven CPG brand, and redefining what “healthy” means for a new generation of parents. To help me discuss this topic, I'd like to welcome, Meika Hollender, Chief Marketing Officer at Nara Organics. About Meika Hollender Meika Hollender is the Chief Marketing Officer of Nara Organics, a pioneering brand redefining infant nutrition with its first-of-its-kind USDA-certified organic whole milk formula. Before joining Nara, Meika served as Vice President of Brand and Corporate Communications at Grove Collaborative, a leading sustainable consumer products company and the first plastic-neutral retailer in the world. At Grove, she led the development and execution of communications strategy across brand, sustainability, and innovation, driving awareness through powerful storytelling and purpose-driven campaigns. Grove, a certified B Corp, is on a mission to move Beyond Plastic and be 100% plastic-free by 2025. Meika first made her mark as the Co-Founder and CEO of Sustain, the pioneering brand of natural sexual wellness products for women. After growing Sustain into a category leader, the company was acquired by Grove in 2019. Meika stayed on as President of Sustain while stepping into a broader role at Grove, where she brought her passion for product innovation, social impact, and women's health to a wider CPG platform.She holds an MBA from NYU's Stern School of Business and is the author of Get on Top, published by Simon & Schuster in 2018. Meika also serves on the board of Net Impact and the Young Visionaries Committee for Planned Parenthood of New York City. Meika Hollender on LinkedIn: https://www.linkedin.com/in/meika-hollender-b574b519/ Resources Nara Organics: https://nara.com/ https://nara.com/ The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow Catch the future of e-commerce at eTail Boston, August 11-14, 2025. Register now: https://bit.ly/etailboston and use code PARTNER20 for 20% off for retailers and brandsDon't Miss MAICON 2025, October 14-16 in Cleveland - the event bringing together the brights minds and leading voices in AI. Use Code AGILE150 for $150 off registration. Go here to register: https://bit.ly/agile150" Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstromDon't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.showCheck out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

    Danger Close with Jack Carr

    Today's guest is former Naval Intelligence Officer, global tech executive, and New York Times bestselling author M.P. Woodward. During his service with U.S. Pacific Command, Woodward developed strategic war games and deployed multiple times to the Persian Gulf and Far East, working alongside U.S. Special Operations Forces, the CIA, and NSA.After leaving the military, he earned his MBA and built a career in the tech sector, eventually leading international distribution marketing for Amazon Prime Video. His work at the intersection of media, geopolitics, and technology now informs his acclaimed espionage novels, including The Handler and Dead Drop, and his contributions to the Tom Clancy universe. In this episode, Jack and M.P. discuss his path from the Navy to the tech world, the lessons learned in uniform that translate to business, and how he approaches writing with both an operational and market-driven mindset. They dive into the research and process behind The Handler, the strategic vulnerabilities explored in his upcoming standalone thriller Red Tide, and the family and service themes woven into the novel. The conversation also touches on writing historical fiction, the art of a strong prologue, book cover design, and Tom Clancy's legacy, along with a few detours into classic films, Dark Wolf, True Believer, and Land Cruisers.FOLLOW MP WoodwardX: @MPWauthor Facebook:@MP_Woodward Website: http://mpwoodward.comFOLLOW JACKInstagram: @JackCarrUSA X:  @JackCarrUSAFacebook:  @JackCarr YouTube:  @JackCarrUSASPONSORSCRY HAVOC – A Tom Reece Thriller https://www.officialjackcarr.com/books/cry-havoc/Bravo Company Manufacturing - https://bravocompanyusa.com/ and on Instagram @BravoCompanyUSATHE SIGs of Jack Carr:Visit https://www.sigsauer.com/ and on Instagram @sigsauerinc Jack Carr Gear: Explore the gear here https://jackcarr.co/gear 

    The Passive Income Attorney Podcast
    TME 10 | Travel Like a Billionaire: The 90% Off Secret to a First-Class Lifestyle with Eli Facenda

    The Passive Income Attorney Podcast

    Play Episode Listen Later Aug 13, 2025 35:51


    Title: Travel Like a Billionaire: The 90% Off Secret to a First-Class Lifestyle with Eli Facenda In this conversation, Eli Facenda shares insights on maximizing travel experiences through strategic use of points and credit cards. He discusses his nomadic lifestyle, the entrepreneurial journey that led him to travel hacking, and the importance of understanding the value of different points systems. Eli emphasizes the need for a structured approach to travel, focusing on maximizing points, optimizing travel upgrades, and effectively using credit cards to enhance travel experiences. The discussion also touches on the significance of having a clear strategy for business owners and how to navigate the complexities of travel rewards. In this conversation, Eli Facenda shares his expertise on maximizing travel experiences through strategic use of points and credit cards. He discusses the importance of community in travel planning, innovative solutions for entrepreneurs, and his personal journey in the travel industry. Eli emphasizes the significance of experiential wealth and actionable steps listeners can take to enhance their travel experiences. Links to Watch and Subscribe: https://youtu.be/c7QqSscsajc Bullet Point Highlights: Seth and Eli kick off with casual banter about van life, audio gear, and the nomad lifestyle. Eli shares his background going from broke entrepreneur to travel-hacking expert. He explains how he got obsessed with using points after a free trip to Thailand changed his mindset. Eli now helps entrepreneurs take $20K–$50K luxury trips for 90% off using credit card points. His 3-part system includes maximizing points, optimizing travel perks, and redeeming for bucket-list trips. He gives a real-world example of booking a $20K ANA business class flight to Japan for just $12. Seth dives into a real-life org structure and Eli explains how points flow to the guarantor, not the LLC. Best practice: 2–3 business cards and 2–3 personal cards tailored to your biggest spend categories. Eli introduces his new “DreamTrip Alert System” that delivers full trip itineraries at massive discounts. In the Million Dollar Monday segment, Eli shares how he made, lost, and remade his first million. His next million will come from scalable digital products and a wider reach through content and community. What makes Eli top 1%: He walks the walk, traveling the world and running a business around it. His #1 tip: Pick your dream trip, put it on the calendar, and commit, then let the how figure itself out. Transcript: Eli Facenda (00:00.059) What's up, Seth?   Seth Bradley, Esq. (00:01.43) Yo, what's going on, brother?   Eli Facenda (00:03.237) How we doing, man? How we doing?   Seth Bradley, Esq. (00:05.141) Excellent man, what's happening?   Eli Facenda (00:06.893) Not much. you, how's the audio coming through here?   Seth Bradley, Esq. (00:11.032) Sounds good, sounds good.   Eli Facenda (00:12.547) it clean? Okay, because I'm, it's basically we're in the middle of a Nomad trip here, so I normally have like a, like a shirt mic like you have, but on the road I haven't had, so I haven't had to test this yet, but I figured the DJI's are pretty solid, so I wanna make sure it's actually coming through decent.   Seth Bradley, Esq. (00:16.962) Okay.   Yeah.   Seth Bradley, Esq. (00:26.732) Nice. Yeah, no, it sounds good. Sounds good, man.   Eli Facenda (00:29.425) Okay, cool, awesome. Awesome Dave, we'll get to connect with you.   Seth Bradley, Esq. (00:33.802) Yeah, brother definitely, so I don't butcher it. How do you pronounce your last name? Facenda, okay, cool. Cool Awesome, man. Yeah, we've we've crossed paths on social media. I think or maybe our va's have crossed paths who knows   Eli Facenda (00:39.077) for sender. Yep, yep.   Eli Facenda (00:47.663) Yeah, think that was where, yeah, think we were initially connecting, yeah, totally. Instagram, I think, was the place. Yeah. Because you're out in California, right? Nice, I'm in West Palm right now. And I mean, normally based in Austin, but we're in the middle of a like, six to eight month nomad adventure. And so we are, we're on the road here, and we go to Europe in a few weeks for like the next several months.   Seth Bradley, Esq. (00:53.42) Yeah, nice, nice, where you at right now? Yep, San Diego.   Seth Bradley, Esq. (01:10.446) Sweet dude.   Seth Bradley, Esq. (01:17.166) That's awesome dude, awesome, awesome. Love it man, that's a long time. So we did last May we did, man it's been like a year, geez. We did like 30, 33 days in a van trip. So we took our van up through Wyoming into Montana and into Canada. That was a long time for us, but 68 months. Right, yeah.   Eli Facenda (01:18.117) Yeah. Yeah. Thank you, man.   Eli Facenda (01:33.455) Nice.   Eli Facenda (01:37.465) sick. Yeah, well vans are intense too. You know, I haven't done van life but my fiance, she did that before and it was like a lot for her. But yeah, so totally depends on the way you're traveling as well. Yeah.   Seth Bradley, Esq. (01:47.266) Yeah.   Nice, nice. Cool, man. Just give you a quick rundown. our audience, my audience is typically, so it used to be passive investors, right? So it used to be the passive income attorney podcast. I think when we might've tried to schedule before and that was for investors. So accredited investors trying to get them to invest in my commercial real estate deals, that sort of thing. But now I've rebranded to raising the bar, which is more geared towards active investors and entrepreneurs and folks like that. So still,   Eli Facenda (02:10.619) Mm-hmm.   Seth Bradley, Esq. (02:19.982) Still, I'm sure your clients, wealthy folks that are starting businesses, that have businesses, that are raising capital for real estate or private equity or other types of businesses, that sort of thing. And then we'll do about, we'll do it a little on the shorter side. So we'll do about 30 minute interview, probably at the longest. And then we'll kind of just close that out. And then I do two little smaller sections that I break down into like little five minute episodes. One is a million dollar.   Eli Facenda (02:25.403) Totally.   Seth Bradley, Esq. (02:49.622) Monday I put that in the notes and it's basically just like real quick, like how you made your first million dollars, how you made your last million, how you plan on making your next million. then, yeah, and then the last one is the top 1%. Basically just kind of what separates you and makes you the top 1 % in what you do.   Eli Facenda (02:59.675) Cool. Yeah, I love it. It's great.   Eli Facenda (03:08.699) Okay, beautiful. And then as far as, is there any place you want me to point people that is connected to you or do you care if you're asking about that? I don't have any hard call to action kind of pitch thing, but it's more just like.   Seth Bradley, Esq. (03:19.916) No, man, whatever, it's up to you, man, whatever you want to do, whatever you, whatever call it action you want to use, if want to send it to your website or social media, whatever you want to do,   Eli Facenda (03:26.577) Cause you know what we do have, I can do this. We have a pretty cool playbook that's normally 150 bucks and I'm happy to give it to your listeners for free. So I could give them a code, just say what would be the best code for that?   Seth Bradley, Esq. (03:37.175) Okay, awesome.   Seth Bradley, Esq. (03:43.429) Um, just raise would probably be good. use that a lot for like call to action, like DME raise. So you could use a raise.   Eli Facenda (03:46.161) Cool. All right, so yeah, so I'll just say go to the website and just DM or just put in the code RAYS and you'll get it for free. But it's like a whole playbook on how to maximize points for trips. I've act like legitimately I've had someone buy it and within 48 hours he texted me a screenshot. was like, dude, I just saved 20 grand on a trip from your ebook. And I was like, wow, okay, it works. So it's good. Yeah.   Seth Bradley, Esq. (03:57.07) Sweet.   Seth Bradley, Esq. (04:09.366) Nice, Cool. All right, man, well, we're already recording, so I'll just jump right in, and then if I need to add anything to the beginning, I'll do that later. And cool, man, yeah, we'll just jump right in.   Eli Facenda (04:14.129) Sweet. You're welcome.   Eli Facenda (04:20.27) Awesome.   Eli Facenda (04:24.913) Let's do it.   Seth Bradley, Esq. (04:27.444) Eli, what's going on, brother? Welcome to the show.   Eli Facenda (04:30.181) Thank you man, excited to be here and I we're going coast to coast today so this will be good.   Seth Bradley, Esq. (04:34.382) Absolutely, man. So we chatted beforehand, but I think you're tuning in on a road trip right now. So you're living proof of what you do, right?   Eli Facenda (04:44.065) Yeah, totally. are, well this part's kind of like a road trip. We're in West Palm Beach right now, but this is basically leg number two out of, we'll end up being probably an eight month nomadic adventure with me and my fiance and our little puppy. And so we're in West Palm Beach right now in Florida. We head to Europe in less than a month and we'll be bouncing around different parts of Europe for about four months roughly before we decide where we're gonna go next, which we're not exactly sure.   Seth Bradley, Esq. (04:58.904) Nice.   Seth Bradley, Esq. (05:12.28) That's awesome, man. Are you using all your hacks and secrets and travel tips that you put out there?   Eli Facenda (05:18.449) Absolutely, yeah, 100%. I mean, we just got back from a crazy trip to Japan. This was really cool. I run an entrepreneur mastermind. So we integrated our own trip around Japan around this mastermind event. So I had 53 people come out for like eight days. We went snowboarding in the mountains in Niseko in the Northern Park. And then we went down to Tokyo for the cherry blossoms. But for myself personally, to get there and back and do a lot of the hotels, we used points. We saved over 50 grand just on that portion of the trip. We then...   know, flew down to West Palm on points and then going over to Europe and a lot of the stays over there will also be leveraging the point strategies that I help clients use and then I talk about on social media and the stuff that we'll dive into today. But yeah, I like to be living proof of it because it's pretty awesome. It's something that's really impacted my life. I love doing it. And when I do it, I get to share it too. So has like a multiple benefit for everybody.   Seth Bradley, Esq. (06:06.648) That's awesome, man. I'm excited, dude. I'm excited to dig in here, because it's just for my own personal benefit and education, because I'm super stoked about this stuff, and I travel a lot with my fiance, or my fiance, my wife, and it's something I'm personally interested in as well. We've had past conversations too, so it's great to have you on, man. So just to start off, man, if somebody, you meet somebody in the street, they ask you what you do, how do you explain that?   in a sentence, right? Like without going into some crazy like tangent about all the awesome things that you do. Like what, how do you answer that question?   Eli Facenda (06:36.453) Yeah.   Eli Facenda (06:41.329) Sure, sure, Yeah, it really does depend on the situation, but I oftentimes will ask a couple questions because it makes it easier for people to understand. So usually it's like, do you have any big dream bucket list trip you've ever wanted to take? And they'll be like, oh yeah, Greece. I'm like, well, what we do is we help you get to Greece in business or first class, stay in five star hotels, have the trip of your dreams at about 90 % off. So that's kind of the tagline is take the trip of your dreams for about 90 % off.   I'll get into the whole point side of things, but some people don't know what points are, or some are really well studied in that world. So I just leave with the trip because that's usually what people want. They want to have the experience where it's you and your wife flying first class, sipping champagne on the way to Paris to go see the Eiffel Tower and the points and the credit cards. That's really the mechanism. That's how we make the experience happen. But at end of the day, what we want is the amazing memories, the beautiful experience, all that stuff. So I leave with the trip when I talk about it.   Seth Bradley, Esq. (07:37.848) That's awesome, man. Yeah, I mean, you're literally selling the dream, right? Like in marketing, you sell the dream or hit on a pain point. Like you are like the quintessential selling the dream. Like that's what everybody thinks about. So.   Eli Facenda (07:42.969) Yeah, exactly.   Yeah, Right. Well, it's funny because, you know, in marketing, they'll say like, sell the destination, not the vehicle, right? They'll be like, sell the outcome, not how you get there. And so we do that in our marketing. But then when you think about it, when people are taking a trip, what we are helping them do is make the vehicle to get to the destination part of the destination. Because really, when you travel well, and you do it in style, the flight becomes a part of the trip that you're excited for.   I can't wait to see the the drinks and the champagne and the food they're gonna have and how awesome the seat is and the movie selection, how big's the screen. At least for people that love to travel, it becomes a fascination of the trip, not just getting there. So that's a big difference maker when people start to go on these flights, and this is what a lot of our clients will say, and for me, it goes from flying economy to like, I'm counting down the hours to get off this freaking plane.   to like, we do another lap around the city? Cause like, I'd love to just hang out here longer, right? And like the flight attendants treat you really well. So yeah, it's a whole experience.   Seth Bradley, Esq. (08:49.314) That's awesome, man. Yeah, that's great. Was there a trip that you went on personally where you just kind of thought, man, I can turn this into a business, right? Like you're just enjoying it so much that you just were like, like the light bulb went off or how did this business spawn?   Eli Facenda (09:04.515) Yeah, there wasn't one trip that I made the connection between like, trip is awesome, let me start a business. But there was one trip that gave me the light bulb of, my God, I am obsessed with this, I need to learn everything I can. There was zero intention or thought about business that when it first started. And that'll take you back about 10 years. So was around 22 years old and I'm just coming out of college. And basically I'm in my mom's basement and I remember this really...   like heavy feeling because I went to a good university near New York City and all my friends went to Wall Street and they were making like six figures plus right out of school. And I had this like entrepreneurial bug. I was like, that's not for me. I don't want to sit in an office. I don't care if I can make a lot of money. I want to like play life on my terms, even if it means I'm making less. So at this point I have friends that are making tons of money, know, lots of disposable income and I'm making like 20 grand a year. I'm working four side jobs. I was trying to build a company. I remember getting this text.   And my stomach just dropped, because I was like, shit, I'm going to miss out on this incredible experience. was friends inviting me to go to Thailand. And I was like, if I don't figure out a better strategy of either how to make more money or figure something out, I'm not going be able to go on this trip. And I was like, damn, this is going to be just a life of missing out on experiences. Is that what it means to follow my dreams with entrepreneurship? It's like, I have to forego everything that my other friends are doing. And so was like, let me think about this differently. And I had a mentor that told me, you don't need more money, you need a better strategy. And he was talking about growing a business.   But for me, I was like, oh wait, there's this credit card point thing. What if I could figure that out? So I ended up piecing it together. I got a trip to Thailand for free. I had this amazing experience with some of my best friends. It's like still, you know, 13 friends in Thailand at age like 22, 23. Memories you don't get back. So was really grateful to have that. And then I came back from that trip and I got another flight a few, probably a year later to Europe in business class where it was a $6,000 ticket that I paid $6 for. Now after that one,   I came off that flight and I was like, I will read every blog, I will watch every YouTube video, I will learn everything about this because it meant I could travel the world and have this incredible lifestyle without having to go take a corporate job. So was like, I get to have my entrepreneurial dream and the travel I want without any trade-offs and I was like, this is amazing. So that was my first time I got hooked. It took me years of researching and reading blogs and websites and doing stuff for myself before I even had the thought of helping anyone else. I just became obsessed with it on my own.   Seth Bradley, Esq. (11:27.086) I love that you recognize you had the entrepreneurial bug early on, right? Before you got drugged down into the corporate ladder and then you got the golden handcuffs, we like to call it, and that sort of thing where it gets much, much harder to escape that gravity. I know for myself, it took a really long time. ended up going to, I went to med school, then I got my MBA, and then I went to law school, and then I worked in a big law firm, and it just took me all this time to figure out like, I don't want this.   Eli Facenda (11:38.405) Yeah.   Eli Facenda (11:49.201) Mm.   Eli Facenda (11:56.763) Right, well the social pressure alone of like everyone year round is going one way, it takes a lot of guts for you to zig when everyone else is zagging, like it's not easy to do. Yeah.   Seth Bradley, Esq. (11:57.015) And I think it's.   Seth Bradley, Esq. (12:06.648) For sure, for sure. Yeah, it's tough. It's tough, right? And especially when you see your friends making six figures right out of college, you're like, man, I could do that right now if I wanted to do it, but I don't want that. So it takes guts to be able to go out there and do your own thing.   Eli Facenda (12:21.873) Totally. And I think everyone has their own version of that still. There's even vert flavors of that today that are still existing for me where it's like, everyone's kinda going this way, but when I really get quiet and listen to myself, I'm like, yeah, you could do that, but you actually, what your soul or your heart really wants is to go over here. And so I've always just tried to listen to that more because I think about one of my North stars is, at the end of my life, I'm 80, 90 years old, I do the rocking chair test and look back, it's like,   What regret would I rather not have when I'm 90? I'd always rather be like I bet on myself than like I took the sure, you know, the well-paid path, which is the old cliche, but I think it's really true.   Seth Bradley, Esq. (13:01.004) Totally, I love that North Star, man. Have you ever asked ChatGBT to give you advice as your 80 or 90 year old self on your deathbed? It's great. Yeah. I love it, man. I love it. Yeah, it's great. It you great insight. You start reading, you're like, this is good.   Eli Facenda (13:07.409) Yeah, yeah, I actually created a custom GPT and it's my future me that coaches current me. yeah, exactly. Yeah. Yeah.   Right. Exactly. Yeah, totally.   Seth Bradley, Esq. (13:21.326) Awesome man, well let's get back kind of on the business of travel, right? So somebody comes to you, they do that introduction that we talked about, you get in a deeper conversation, they're super interested in it, they wanna learn more about these travel hacks and strategies, like where do they start? Where do you point them?   Eli Facenda (13:42.447) Yeah, so in terms of the process, I like to chunk it into three main buckets.   And it's important to have context around this game because if you don't, it just starts to feel like there's so many moving pieces and who has time for that and it's too confusing and then it becomes overwhelming and overwhelm just basically leads to an action. And then that is the person who's like, well, I just don't wanna do that, I'll just take a cash back card or I'll just stick to my Delta card, right? And so when you have the right context, you can start to understand the highest leverage moves to make and then you know really how to get the result you want with the least amount of effort. So that's what we focus on and specifically like I've worked with   probably over a thousand business owners now. And with business owners, investors and entrepreneurs, it's a different, the points game takes on a different context, right? Because usually the constraint we have to solve for is time and complexity. And if you work a nine to five, you know, after five o'clock, you've got hours for your night. But entrepreneurs, it's like every hour is kind of an asset that you can use. So it's a little bit different. So the three buckets are, the first one is to maximize the points that you earn. So this happens from getting the right cards and the right expenses.   because all of these different points are like currency, so you wanna earn the right type of points and then you wanna maximize the amount of them by getting the right cards and the right expenses. So that's the first piece and that's really, really key, because nothing else happens if you don't get that right. The second bucket is gonna be to upgrade and optimize your travel. So you've got domestic trips for a conference, are you getting TSA pre-check and clear, are you getting the best lounges, are you getting first class upgrades and free bags and hotel suite upgrades and free breakfast at the hotels and free wifi. Really it's just like,   There's all these opportunities available for people that are traveling domestically for work, for family events, you know, your kind of ordinary traveling might have. And what we want to do is we just want to enhance the quality of all of that and reduce all the headaches and annoyances by maximizing benefits on cards and status perks and all the kind of like little tactics that you can play. So that's the second thing that just makes your travel more comfortable. And then the third bucket, which is really the most important in terms of impact in your life and the most meaningful piece is to take your dream bucket list trips for 70 to 90 % off.   Eli Facenda (15:45.775) And so that's where you're gonna take the points you've accumulated. You're gonna use some strategies that I can break down here around transferring these points from the banks to the airlines and hotels, and you're gonna get these dream trips for literally a fraction of what they should cost if you're paying cash, or compared to if you were using your points through a site like Amex Travel or Capital & Travel or Chase Travel. Okay, so that's a mouthful, but those are the three. So maximize your points, get the best possible upgrades, and then take your dream trips for 90 % off.   Seth Bradley, Esq. (16:13.934) Yeah, dive into one of those little those connecting strategies there that you mentioned.   Eli Facenda (16:19.183) Yeah. Yeah. So I'll talk first about the cards. That's the order. This is the first mistake that most business owners and individuals are making is they're just getting random cards. They're like, well, I live in Dallas. Let me get the American card or live in Atlanta. So I'll get the Delta card or, whatever it may be. Or live in San Diego and I fly domestic. So I'll just get the Southwest card. Well, they don't realize is that again, these points, these points like currencies. And so if I told you, Hey, do you want 150 Mexican pesos or 150 us dollars for your couch that you're selling on Facebook marketplace?   you're obviously gonna take the US dollars, right? Because the currency is much higher. But with points, people don't realize that. So they might be racking up Hilton points or Delta miles or other points and miles that just aren't as valuable as other ones out there. And then they burn through them quick or they don't go as far. And they end up just basically sitting there being like, I feel like I should be getting more. This is the common thing I hear. I feel like this should be taking me further, but like it's not doing much. And so what we wanna focus on is bank points that are transferable. So certain banks,   have this ability to convert the points to the airline hotel loyalty programs. And what happens is the banks have a different way of pricing than the airlines do. And certain airlines and certain hotels have really good what we call sweet spots or opportunities for you to get the best possible deals. Okay, so when you earn these effective points, which the top ones I recommend are generally Amex, Chase, and Capital One, and there's a new program built actually is out where you can put your rent on a card with no fees and earn points, it's really cool. But when you get those right,   And then you look through your expenses and you say, what do I spend the most on? Is it groceries and dining and the personal side? Cool. There's a card like the Amex Gold that is specifically really good for those types of expenses. Then you look at your business. What do I spend a lot on? Is it ads and software and taking clients out for dinners? Great. The Amex Business Gold earns four points per dollar on those categories, but maybe it's you're spending a lot on flights for company travel, or maybe you have inventory you're buying, or you're paying a lot of contractors, or you have a lot of payroll. You want to assess where you're spending the most money.   and make sure you have the optimal card lined up for that type of expense. So I'll pause there, but that's kind of the first bucket. The other one is on using the points effectively, which I can talk about too, is pretty powerful. But that first one is really the linchpin. Because if you have a bunch of Delta miles and you want to go to Europe, I'll give an example actually one more before I kind of pause. There was an example recently I saw of a client and they wanted to go to Europe and we're looking at different options. This was from JFK to Amsterdam. If you have Delta miles,   Eli Facenda (18:43.547) The ticket for Delta One, this big awesome Delta Suite, was 320,000 miles. That's what Delta was charging to go from JFK to Amsterdam. It's really expensive amount of miles. But the same exact flight, like same flight number, same aircraft, everything, if you booked it through Virgin Atlantic, it was 50,000 miles. One seventh of the amount almost. It's really, really big difference. And so here's the kicker, right? If you have a Delta card, you only earn Delta miles, so you have to pay the 320,000.   Seth Bradley, Esq. (18:46.765) Mm-hmm.   Seth Bradley, Esq. (19:02.124) Hmm.   Eli Facenda (19:12.497) but if you had an Amex card that earned Amex points, so like the Amex gold or business gold, you could actually convert those points into Virgin to book the Delta flight because Virgin and Delta are partners, and you'd pay 50,000 points instead of 320,000. So this is the part where like, for people that kind of get this, they're like, whoa, and the other people are like, what did you just say? So I get it can be, it can be tricky for some people that are just getting to grasp it, but I want to make sure to lay out the whole game so people can understand really what's possible for them.   Seth Bradley, Esq. (19:34.764) Yeah   Seth Bradley, Esq. (19:42.329) Totally, totally. Yeah, it's just, mean, I'm sure people out there listening, it's both, right? Some people know these things exist, but they don't know the extent of it. And you're opening up their minds regardless, right? Like all the possibilities. I think most people are just like, sure, I need to find a great car that has a welcome offer of some sort. That's usually what people look at. And then they just try to pick, perhaps they take it a step further and they're looking to see like what they spend money on the most and they'll...   Eli Facenda (19:54.139) Tour then.   Eli Facenda (20:04.443) Mm-hmm.   Seth Bradley, Esq. (20:11.128) calibrate that card to that. But you're taking it step further because you know, it's kind of just opening yourself up to knowing all the possibilities, right? All these different connections, where to spend the points, where you can earn the points, those sorts of things. How thick is your wallet, man? Do you have, is your wallet like this and it's got 25 cards in it or what?   Eli Facenda (20:19.419) Totally.   Right. Yeah.   Eli Facenda (20:28.123) Haha   Yeah. Yeah.   Well, caveat this first by saying when we work with clients and we might do recommendations for people, I always recommend if you have a business, two to three personal cards and two to three business cards. That is a simple way to set this up. That's only four to six cards across both things. That's enough where you're really gonna get some serious ROI, but it's not so much that's really complicated. Some people are kind of curmudgeoned about it, like I only want one card. And I'm like, that's fine. There's no right or wrong in this. It's really preferential, but you should just know if you do that, you're gonna be leaving for most business owners that spend at least a few thousand a month.   that's gonna cost you tens of thousands of dollars of free trips a year. So I'm like, is your simplicity of having one card worth that much? If it is, great, but maybe having a second or third card doesn't add that much complexity. But if you get an extra $30,000 a year trip out of it, probably worth it, right? So that's the first thing. But to answer your actual question, so I have an entire thing called the Credit Man purse. It's like this portfolio binder, and it's just stacked with cards. I mean, I have over 40 credit cards, but I've been doing this for a long time, right? And there's like, here's the thing also with credit.   Seth Bradley, Esq. (21:28.28) Hahaha   Eli Facenda (21:34.041) A big question, a lot of investors, specifically people that are doing real estate or business owners, really want to their credit clean and we're huge advocates of actually not just keeping your credit score the same but improving it over time. And when you get business cards, they don't show up on your personal credit report. Okay, the vast majority. The inquiry will, but the actual card won't. And some banks, you can actually get multiple cards with no additional inquiries. So like when we do a custom card plan for someone or when we're just recommending it, we're always saying like, make sure to look at which banks you already have relationships with.   Seth Bradley, Esq. (21:48.142) Mm-hmm.   Eli Facenda (22:02.373) which ones you can get a soft pull from, the order matters of these card applications. But at end of the day, you just want a couple of specific cards that are really gonna be custom built for you, and you don't have to go crazy with it. If you get excited and you're like passionate about it, you can get 10, 15, 20 cards over the course of several years, and if you do it right underneath your businesses, it's not gonna drop your personal credit score. Your personal credit score will actually go up over time.   Seth Bradley, Esq. (22:26.314) Mm-hmm. That's a good hack, man. I'll get I'm put you on a spot a little bit. I'm gonna explain like what what I see a lot of the people that are probably listen to this show have in place structured wise like organizational structure and it's kind of similar to mine. Mine's probably a lot more complicated, but just to keep it simple, you know, there might be a parent company, right? Like this overhead parent company that owns everything. So let's let's call it parent company, right? And then below the parent company, the parent company owns, let's say a management company.   This management company probably manages funds, manages properties, manages equity for investors, that sort of thing. And then they also might have these other businesses, right? Like it just depends on the person. Like for instance, I own gyms and some other, my law firm, things like that. So they might have these own individual operating companies that owns a gym or owns another business or does these other things. you know.   Eli Facenda (22:55.889) Mm-hmm.   Seth Bradley, Esq. (23:20.066) Based on that structure, so you've got a parent company, you've got a, let's call it an equity management or fund management or property management company, and then you've got kind of this other operating business. How would you structure, what credit cards I guess would you kind of recommend? Not necessarily specific ones, but like, do they need one for all three or, yeah, how would you think about that?   Eli Facenda (23:27.301) Mm-hmm.   Eli Facenda (23:36.593) Yeah, yeah, but how would you think about that? Yeah, totally. I mean, it's a super common question. Like this is exactly the kind of clientele that we work with all the time where they're like, are you sure this is gonna work for me? I have four rental properties, two companies, one holding company. I have an investment thing. I have this thing over here. It's like, yeah, it all works. So simple is the key. So it's always a spectrum too. Like some people are, again, really minimalist with like what they want. we always, like when we're doing this for a client, we custom build it. But.   The real recommendation there is we wanna, again, assess which of these companies are actually generating the highest amount of spend. And those are the ones we wanna start with first in terms of cards and really optimizing. Now, if you have a bunch of different companies and they all have a bunch of spend, the first key thing to know is that the points will go to the business owner, the person who personally guaranteed the card, not to the business. So there's no business points account. It's underneath your name, even if it's underneath the LLC.   So the points go to you. So if you have like six different companies and you have like three Chase cards and three Amex cards, all of those three Chase cards and all of those three Amex cards are gonna basically funnel up to your account, okay? So that keeps it simple in terms of how you can think about accruing these points. They're not gonna be scattered everywhere where you can't use them. So that's good to know. Same with the airlines, right? doesn't matter if it's an airline or a bank card. So that's the first thing. For these management companies, usually lot of them don't have much spend.   So what we'll tend to do is just get one card that is like a catch-all card. And so this would be a card that we want to have earn around 1.5 to two points per dollar spent. Because what we've done is we've taken the floor of what you're gonna earn on your everyday spend and we just increase it by 50 to 100%. Okay, so like let's say a parent company is used for some client meetings and some basic legal and admin stuff and it's like 1,500 bucks a month just to do upkeep and normal stuff like that.   and it's not a crazy amount of different categories to spend. You're not running ads, you don't have that much software, there's not really a lot travel happening with it. But if that's the case, then what we wanna do is get a card, maybe like the Chase Inc. Unlimited, which earns 1.5x on everything, and we'll say, look, we're gonna keep this simple. That holding company doesn't have a lot of points earning power, so let's make sure we get a card on it just to earn, but we don't wanna like go crazy and get a bunch of cards and try to maximize every dollar. But this company that owns four different gyms and spends...   Eli Facenda (25:52.369) 50K a month on equipment and advertising and payroll and all this stuff, that's the company where we wanna look to get maybe two or three cards that are specifically aligned with that business to spend because that is where you as an entrepreneur, as an owner, are gonna be generating the most return. It's gonna be from that one entity. So I hope that breaks it down in a way that makes sense, but this is also where, again, having your cards across two to three main banks will keep it relatively simple because even if you have four different entities, if it's under one Amex login, that makes it nice and easy too.   Seth Bradley, Esq. (26:22.53) Totally, totally. Awesome, man. I knew you could handle that. Easy, easy peasy. Cool, man. Let's go to number two, right? Using the points effectively. You kind of touched on a little bit of that strategy, but let's jump into that.   Eli Facenda (26:26.682) Easy basic.   Eli Facenda (26:32.709) Yeah, yeah, so the second thing was optimizing the upgrades and all that. I'll cover that one really quick. If you're going through the airport and you don't have TSA PreCheck and clear and lounge access, you're missing out on some really easy perks that will just make your life way more enjoyable. So that's the first thing. There's a lot you can do with hotel upgrades and status. So like when I travel and go to Miami tonight for a conference, I have status at Hyatt. I'm staying at Hyatt for two of the nights down here.   Seth Bradley, Esq. (26:39.628) Okay.   Eli Facenda (27:02.225) I probably would get upgraded to a suite that's worth like thousand to 1500 bucks a night because I know how to use the suite and I certificate, it's my globalist status, I know how to message the hotel the right way. So there's some strategies there where if you do that, whenever you're traveling, you just get a much better experience. You get early check-in, late check-out, the free suite upgrade, much more spacious room. A lot of times they have lounges at the property like when we were in Tokyo, a bunch of us stayed at the Grand Hyatt there. They had a beautiful lounge overlooking the city. They had breakfast every morning.   They had drinks all day. They had a great lounge area. We actually had a mastermind session in there and they like a 15 person breakout room for us to go to. It cost us $0 to use it. They had afternoon drinks and stuff like that. So these are just the things that make your travel much better. So small tweaks that over time just again, make it a much more enjoyable experience. But that bucket on how you use your points, this is one of the most critical pieces. And I've already kind of alluded to it with that Delta One example, but   I'll share another one. So on the way to Japan, right, we flew ANA business class. This is all Nippon. It's one of the premier airlines in the world for international business class travel. They actually have a seat called The Room because it's so spacious and big, your own big sliding door. They have like an omakase menu. You've got ramen, champagne. It's like really, really good. Amazing sake and green tea and all this good stuff.   It was like an incredible way to fly and you know, it's an 11 hour flight and I didn't sleep a wink because I was just eating the whole time. But here's the deal, right? So that flight for my fiance and I, it would have been $20,000 for the two of us. It's 10,000 a piece. Okay, San Francisco to Tokyo. We're going in peak season, mind you. So I have three options to book that flight. I pay cash for it, which you know, I do decent in business, but I'm not dropping 20 grand on flights.   just to get to Japan, like that's out, that's way out of my bucket of what I would ever want to do. The second option, I go to the bank site. Okay, so again, if you have AMEX points, a lot of people have AMEX cards, like the platinum or the gold card, and this is a good start, but when you go to the bank site, each point is worth one penny. Okay, this is the baseline value of a point. So what happens is if you go to AMEX travel, they'll say, okay, this flight would cost, let's call it 20 grand. So 20 grand times one cent for each point equals 2 million points.   Eli Facenda (29:20.977) So my second option would have been to go to Amex's site and pay two million points, which I don't even have. Okay, so I'm like, that wouldn't have even worked, but that's what most people are doing at use points. They're going directly to the bank site and they're booking using Amex travel and they're getting absolutely screwed. Okay. There's kind of, and then there's a third option, which is to go through the airline site. So there's like three A and three B. Three A would be like, again, you only have Delta miles and you're kind of screwed going just to Delta. I don't recommend that. But the last option is what we did.   which is where we had Amex points and Chase points, and I looked at my different options and I said, okay, what are the best partner airlines I can book through to get to Japan? Well, it turns out, ANA is a part of the Star Alliance, okay? United is also part of that alliance. Chase and United have a partnership where I could convert my Chase points into United miles. When I looked that up, I ended up finding the deal and there's ways you have to kind of search this and track it, but that same flight that would have cost me two million points,   through Amex or Chase travel directly cost me 220,000 points to transfer from Chase to United. And I paid $12 out of Okay, so $20,000 flight, I paid 12 bucks. But how did I do it? I had the right points first. I had enough of them because I had the right cards and the right expenses. I knew how to search for this flight. And then I was able to transfer these points from Chase into the airline. So the hardest part of this entire process   Seth Bradley, Esq. (30:30.402) Hmm.   Eli Facenda (30:49.413) is figuring out the points transfers and which partners are the right ones for certain airlines. That gets very nuanced and complicated. It's kind of like, you know, if you were talking to a CPA and someone's trying to explain how like the Augusta rule works, whatever, and like the CPA pulls up like the tax code and is like unveiling this long list of tax jargon. The average person is just like, what, just like tell me how to do it, right? That's kind of the same thing here. There's a lot of different like angles and transfer partners and bonuses and.   Seth Bradley, Esq. (31:12.43) Right.   Eli Facenda (31:17.689) alliances and partnerships and it gets kind of complicated but that's how it works.   Seth Bradley, Esq. (31:22.434) Totally, totally. So let's talk about that. how do you help people keep track of that or learn that or execute, I guess, on these strategies?   Eli Facenda (31:32.241) Sure, yeah, so for us, our company really has two main levels to it. So we have a community-based level where it's like you're just getting the fast track, you're getting help from experts. So I'm really good at this, but I'm more of an entrepreneur than a points nerd. So as I built this, initially I was the one on the phone with all the clients, walking everyone through it, and then I built a team. So I found basically some of the other points nerds in the world that I was mind blown by. I knew them from social media and just seeing their stuff, and I was like, that person has their stuff. So I brought them onto the team.   And so our clients will interact with both me and them inside of our community, but it's not just points. We're also providing really cool travel experiences. So for example, I posted this, but I'm going kiteboarding in Egypt in June on this epic like entrepreneur kiteboard trip where it's 40 entrepreneurs going to learn how to kiteboard together and masterminding on one. And so I'm attending, I sent it out to our clients and I said, Hey, if you want to come on this, our team will help you plan the flights out there on your point so you can get business class on the way out.   So I like to, because ultimately I wanna help people, my mission is to help people create more experiential wealth in their life. There's financial wealth, and a lot of people accumulate dollars, but they're not turning it into experiences. So I'm like, let's create more experiential wealth, and the points are the way to justify it. So we have that community level where you get access to our team, there's calls you can jump on, ways we help you plan trips, and then we have the done for you services, where we basically just handle it for you. That's more like, think of like a travel agency on points for entrepreneurs.   That's more of what that is. And in there we'll do the custom card planning and map out what cards you need based off of what your specific spends are and stuff like that. So we do some pretty deep intake. And we kind of are almost like a travel agent. It's a little bit different in some ways, but that's basically the two levels in how we help people.   Seth Bradley, Esq. (33:12.29) Great, man. I love how you build in the experience, right? Like that's part of it. Like that's what you're teaching anyway. So it's like, it's not like, hey, join this, join this group and then we'll talk about all these things. You're actually doing it. You're actually inviting them to execute on what you're teaching so that they can see it in motion and then they can continue to do it and experience life at a different level.   Eli Facenda (33:32.497) Absolutely. Yeah, I mean, like, I really love it too. like, I'm like, everyone that works with us is really, usually a pretty cool person. Like, if you're an entrepreneur and you have the guts to build your own business, and then you wanna travel the world, like by nature of that, you're already probably a pretty cool person. Like the majority of people that are doing that, I think well-traveled people are some of the most interesting people. If you want the best stories in life, like, someone who's traveled the world is gonna have some stories for you. And so when you combine those two, it's like, these are people I wanna hang out with anyways. So like, I'm going on a trip to Egypt. I'm like, come with, like.   Whoever in the community wants to come, let's have a party, let's go do it. So it's great thing.   Seth Bradley, Esq. (34:04.994) That's great. Awesome, man. How are you raising the bar in your life and your business right now? Like what are you doing to build your business further, building off of some of the things that you're offering right now? Where are you taking it to the next level?   Eli Facenda (34:18.833) Yeah, so we have a new project we're rolling out inside of our community, which I'm really excited about, which is even just in our lower tier membership, and it's called our DreamTrip Alert System. So what this is, is when people come in, this has never been done before in the world of points and miles or travel at all. So we're the first to do this, which I'm really excited about. So let's say you were to sign up. You're gonna come in and give us your DreamTrip destinations, the seasons or windows that you could go, the points you have, your home airport, all this stuff.   and our team is going through and we're not just finding you like a flight, because there are different alerts out there that'll be like, hey, we found a flight. And it's like, cool, one way from LA to London, but like, what am I gonna do when I'm there? Where am gonna stay? How am getting back? Right, it's like part of the puzzle, but it leaves a lot on you to figure out. And for our clients, most business owners and entrepreneurs, investors, they're too busy to piece all that together. So they're like, well, cool, that doesn't really help me. So we decided to do, we said, what if we...   just basically sent people like a mystery subscription box of their dream trips. And so when you come in and you fill that out, we gather it. And then a couple times a month, we're gonna send out alerts where it's like a 30, 40 or $50,000 type trip, somewhere incredible in the world. We're talking Greek islands, Amalfi Coast, Japan, New Zealand, African safaris, Maldives, Bora Bora, places like that, business and first class flights, five star hotels, four pennies on the dollar. So these are like, we get $40,000 trips where people will end up paying a thousand bucks, 1500 bucks, two grand out of pocket.   Seth Bradley, Esq. (35:25.389) Mm-hmm.   Eli Facenda (35:44.337) And so we're gonna send the entire trip to you. So it's like the flights, the hotels, the entire step-by-step booking, the recommendations on the ground, the entire experience. And so we're sending those out so people come in, they tell us when, where, like the things they wanna do, and then they're just gonna get these alerts where it's like every month they're gonna be like, you you're sitting there with your wife, hey babe, you wanna go to Bora Bora in like June? It's gonna cost us like 800 bucks and it would be a $30,000 trip. It's like that's what I want. That's what I wanna create. So that's us raising the bar in the industry and in our business.   Seth Bradley, Esq. (36:06.35) you   Eli Facenda (36:13.615) I'm very excited, it's brand new for us, so I'm just pumped to see that continue to roll out, because it's, for me the mission is to help people live with experiential wealth in the form of travel. And so, usually there's some barriers that get in the way. There's time, there's planning, and then there's cost. And what we're trying to do is eliminate as many of those barriers as we can to make it just easier to say yes to the trip.   Seth Bradley, Esq. (36:34.252) Yeah, man, sign me up, dude. Sign me up. I feel like you've got to get both significant others on your list, right? So they both see it and whoever's like the person is like, we've got to do this, you hit both of them and then they convince the other one to do it.   Eli Facenda (36:36.625) All right.   Eli Facenda (36:49.477) Yeah, right. Yeah, exactly. There's usually one. There's usually like sometimes it's the husband's on the call and he's like, dude, I don't know where we ever travel. Like I'm gonna pay for this, my wife's gonna do everything or it's the opposite where the guy's like, you know, she just shows up and I tell her where we're going. And so like that's my relationship. I'll be like, you know, it's my industry, my passion. I'm like, we're going here and then here. And she's like, tell me where to be. And she just has no idea where we are and she just loves it. And I'm like, I like planning. So, you know, but it's different for everybody.   Seth Bradley, Esq. (37:11.736) Yeah.   Seth Bradley, Esq. (37:17.144) For sure, for sure, man. All right, brother, this has been incredible. Tell our audience where they can find out more about you, where they can get involved with all the things, all the incredible things that they've heard on this show. Throw it out there,   Eli Facenda (37:28.859) Totally. Yeah, a couple of main places. So the first thing I'll share is that we have what I call the CEO Points Playbook. This is something I custom built. Took me a long time, and this was not a Chad TBT prompt. Like, I really built this on my own. And it is like a 30 to 40 page playbook that any business owner or entrepreneur can use to really maximize their travel experiences, get better bucket list trips, figure out the right cards for them. And it's normally 150 bucks, but if you go to freedomtravelsystems.com   forward slash playbook and you put in the code RAYS, you're gonna get it for free. Okay, so anyone listening, it is free for you. And so that's gonna be freedomtravelsystems.com forward slash playbook and then use the code RAYS, maybe we can put it in the show notes. And so that'll be the first thing. Second place is if you're like just want done for you services, just take off that forward slash and go to freedomtravelsystems.com. can talk to myself and one of the team members. And the last place, I hang out on Instagram and post a lot there, that's where we connected.   Seth Bradley, Esq. (38:14.049) Absolutely.   Eli Facenda (38:27.595) And that's where I'm sharing the most like behind the scenes and as I'm booking this stuff, as I'm planning it, as I'm showing like what our clients are doing, you get to see more of the visuals and the fun and come along for the ride. And so I love engaging on Instagram as well.   Seth Bradley, Esq. (38:40.27) Great. Thanks Eli. I really appreciate you coming on the show,   Eli Facenda (38:43.973) Thanks Seth, appreciate you having me on.   Seth Bradley, Esq. (38:45.806) All right, brother, talk soon.   All right, sweet dude. Nice. Yeah, right around 30 minutes. Let's see. Yeah, we'll just jump into these last few questions here.   Eli Facenda (38:51.748) Awesome.   Eli Facenda (38:55.205) Perfect.   Seth Bradley, Esq. (39:03.862) Welcome to Million Dollar Monday with Eli Fisenda. Let's just jump right in. Hey brother. Yeah, how did you make your first million?   Eli Facenda (39:09.243) Let's do it.   Eli Facenda (39:13.499) So I actually made my first million in a tour company. Now I made the first million, I didn't get to keep the first million, but what we were doing, we were running sports trips all over the world. This is actually part of how I fell in love with the travel industry and the work that I now do with points. And ultimately what we were doing, we were creating these international tour packages for youth sports teams and families to go on these international tours. think of like a 14 year old baseball team in your, you're in San Diego. We'd like do a selection of kids.   Seth Bradley, Esq. (39:19.694) Sure.   Eli Facenda (39:41.329) from that area and the families would come and they would go to Japan or Italy or wherever and travel for 10 days, experience the culture, have an educational tour and also play the local teams. So we did that in a variety of sports, ice hockey and baseball and lacrosse and all these different sports. And we were growing a lot and then that was ramping right until COVID and that just decimated the entire business. we took us about two years to get to a million and then we started to double almost every year for a few years and that was like.   Seth Bradley, Esq. (40:02.432) Mm.   Eli Facenda (40:09.399) Really, really tough break at COVID, but that was the first million.   Seth Bradley, Esq. (40:11.63) COVID man. Nobody saw that coming. mean.   Eli Facenda (40:13.881) No, definitely, you know, group, large, large group sports international travel was like the worst potential. Like you can't go overseas and you definitely can't do it with 60 people. So was, was a brutal industry to be in.   Seth Bradley, Esq. (40:25.506) Right? Yeah, there were certain sectors that just, I mean, there was nothing you could do. We opened up our first gym actually two weeks before COVID hit in 2020. we had our, us like two years to open and then our grand opening. And then we had a bunch of free clients in those first two weeks. And then they ended up being free clients for about a year because we couldn't charge them. Cause we couldn't get them back in the gym. We're doing online workouts and all that kind of stuff is insane.   Eli Facenda (40:36.817) Ugh.   Eli Facenda (40:47.696) Wow.   Eli Facenda (40:53.337) And that's like where the true entrepreneurial muscles are definitely strengthened in times like that though. mean, like the people that bounce back and figure it out, like you just have a new sense of confidence of like, you know, I can handle anything.   Seth Bradley, Esq. (40:54.22) But hey, we adapt,   Seth Bradley, Esq. (41:06.764) Yeah, man. I mean, you pivot, right? Like I actually ended up launching my first podcast during during COVID because I was stuck inside and it was like, all right, let's let's do this. Let's get on Zoom and interview people and all that kind of stuff, man. So that leads us right to the next question. And how do you make your last million? How do you make that transition?   Eli Facenda (41:12.859) Cool.   Nice. Cool. I'll it.   Eli Facenda (41:24.143) Yeah, so the last million that I made was in the current business that I have. so essentially what we've been doing there for about four years now is helping entrepreneurs maximize their travel on credit card points. So helping them get their dream bucket list trips, these 30, 40, $50,000 trips all over the world for about 90 % off by leveraging credit card points. And we've traditionally had some pretty high ticket services. I mean, not crazy expensive, but like, you five, 10, 15 K and that range has been the main main service. And so,   We cracked our first million about two years in, so that was 2020, 2024 actually was the first year we made a million there.   Seth Bradley, Esq. (42:00.526) Awesome man, awesome. How about your next million? Where are you scaling to?   Eli Facenda (42:04.305) Yeah, so the next million I wanna make is the same business. love what I do, I really enjoy it. And what I wanna do is do it in a more community oriented and lower ticket way. So I wanna have bigger reach, more digital products, more of the community, more affiliate services and stuff like that. And I'm really excited about kind of cracking the code on that, because we've done it decently with the higher ticket stuff, more agency level, service level stuff, which is great. And we're still cranking on that, we're gonna keep growing it. But I really wanna see what we can do with...   So the lower ticket stuff, creating awesome stuff on YouTube that leads to different channels and distributions there. So that's the next million and same business, just different type of money.   Seth Bradley, Esq. (42:41.57) I love it man, yeah, that's kind of opposite of how some people approach it, right? You usually start with a lower ticket and then you have to build up that base before anybody will give you, you know, higher, pay for that higher ticket product, but you're kind of working backwards because you want to help more people.   Eli Facenda (42:56.677) Totally, exactly, yeah, and there's a limit. mean, what we do in the high ticket is incredible, but it really is a specialized skill. Like you think about like a bookkeeper or an accounting firm or something, like there's like a million bookkeepers. There's like 50 people that know points and travel to the level that I need them to know it to really serve clients with the highest level. So there's a real limit on the ability to scale that. And so it's also just like, we wanna be able to do really quality work for less people, but then serve more people with the other stuff too.   Seth Bradley, Esq. (43:25.368) Totally, totally.   Seth Bradley, Esq. (43:29.518) Cool, let's jump into the next one dude and we'll wrap up. Eli, you're clearly in the top 1 % of what you do. I don't even know if there's that many people out there that do what you do at all, period. So clearly in the top 0.0001%, what is it about you that separates you from the rest of the field?   Eli Facenda (43:49.701) I think it's our ability to actually live what we preach. This is something where, you know, there are other fantastic people that talk about credit card points, but very few of them are actually business owners, like that's who we serve, and very few of them are actually traveling in the way that they're trying to help people travel. So we've done both. I've built multiple businesses, so I understand the psychology and the relatability of how you wanna think about travel and points and the various stresses in your life, the limitations on time and complexity. And I also,   Seth Bradley, Esq. (44:06.062) Hmm.   Eli Facenda (44:20.636) What just happened?   Seth Bradley, Esq. (44:22.998) I'm not sure. We can splice it together, but let's see. Lost the video.   Eli Facenda (44:26.748) Let me see here. Did my camera die or something?   Bizarre. second.   Seth Bradley, Esq. (44:36.076) Yeah, weird. Never had that happen.   Seth Bradley, Esq. (44:42.038) Not a big deal, we can splice it together, but let's see if we can get your camera working again.   Eli Facenda (44:46.992) Don't see my camera get help. Is the audio coming through okay? Did it switch over there to my MacBook from the other one? Or it sounds the same.   Seth Bradley, Esq. (44:51.564) Yeah, I can hear the audio.   Seth Bradley, Esq. (44:57.806) I don't know. All I see is like a car. It's like I don't know. It's a card with a symbol on it I wonder what that is that riverside or is that your symbol? I can't be your symbol   Eli Facenda (45:06.556) weird. Get help.   Eli Facenda (45:12.006) Let me see.   trying to check this out.   Seth Bradley, Esq. (45:19.458) We can also just finish it with audio.   Eli Facenda (45:23.556) Is it, Dude, I don't know what's going on. Sorry about that. I've never seen...   Seth Bradley, Esq. (45:28.654) no worries, dude. We can just finish it with audio anyways.   Eli Facenda (45:31.63) New recording track created the participants have been recorded.   Issue device struggling to record. High load on your device. Try closing all other apps. Give me one second. I don't have any apps open. That's really weird.   Eli Facenda (45:53.126) Yeah, I don't know man. I apologize. I Okay, well yeah   Seth Bradley, Esq. (45:57.219) you're good, We'll just finish an audio and then I'll pull up for the video. I'll just black screen to a logo or something. So all good. I don't exactly know where you're at. If you want to start that sentence over.   Eli Facenda (46:04.048) Okay, cool.   Eli Facenda (46:07.866) Yeah, I'll just, I'll say, I'll just start. So yeah, so not only have we really walked the walk with actually living what we preach, but we also understand that psychology of what it's like to be a business owner, your limitations on time and complexity and all that stuff. And because we're talking about travel, people also want to know like what's actually in store for me in this destination. I've been to 50 countries now and my business partner has been to almost 100.   We have other team members who are all over 30, 40, 50 countries. So we've been to a lot of the destinations around the world that we're advising people to go to. So we know the ins and outs, best places to stay, hidden gems, top restaurants, stuff like that, that really add another layer of personalization and true experience into the service. So I think those are the things that really make us most credible in this space.   Seth Bradley, Esq. (46:57.506) Dude, it's so important, right? Like there's so many, you know, there's so much content out there now. There's gurus and coaches and mentors, whatever you want to call them. Like the ones that are truly valuable and that people should pay attention to are the ones that are actually practicing what they preach, right? The ones that aren't just selling you education or aren't just selling you a product. Like they're actually, they've done what they're selling and they continue to   enjoy or do what they're selling.   Eli Facenda (47:28.635) 100%, yeah, if you're a living embodiment of what you do, it makes it that much easier to communicate it and sell it because you just are the thing you're selling.   Seth Bradley, Esq. (47:38.764) Yeah, absolutely. What's one thing someone listening could do today to get 1 % closer to their dream life?   Eli Facenda (47:45.089) One thing that would be the easiest is to spend 30 minutes, go on Instagram, go on your favorite social media site, go on some travel blog site, look for your dream destination, then pull up your calendar and put a time on the calendar where you're committing to go. One of my favorite quotes is from Tim Ferriss, I forget the exact quote, but basically the idea is that if you don't schedule your fun first, it won't happen.   because your business and your life will take up as much space as you allow it to. So most people find that I'll take the trip when it's convenient. I'll take the trip when I have more time. That time is never coming until you make it a priority. So the one thing they can do to get closer to their dream life is to just make a more bold commitment to putting the time on the calendar and be like, I am going and make some sort of investment, whether you're telling someone, whether you're putting some money down, whether you're learn the point stuff, that's gonna be the biggest leverage you can make.   to make sure that you actually follow through on taking these trips and then you'll find how to get there on points if you need to from there.   Seth Bradley, Esq. (48:50.766) 100 % man, gotta put it, people, entrepreneurs, people like us, we work in all the time, you've gotta put it, put it in your schedule. You've gotta block it out, commit to it.   Eli Facenda (48:59.821) Absolutely, 100%.   Seth Bradley, Esq. (49:04.554) Alright dude, I think we got it wrapped up, man.   Eli Facenda (49:05.743) Beautiful. Awesome, Dan. Well, this was super fun and I apologize agai

    The No Sugarcoating Podcast
    #599 Alkalinity, Immunity and Benefits of Algae, Differences Between Spirulina and Chlorella & Healthy Aging and Algae With Catharine Arnston

    The No Sugarcoating Podcast

    Play Episode Listen Later Aug 13, 2025 45:28


    Self-care podcast exploring Alkalinity, Immunity and Benefits of Algae, Differences Between Spirulina and Chlorella & Healthy Aging and Algae With Catharine Arnston. TOPICS:: ** Alkalinity, Immunity and Benefits of Algae (05:09). ** Differences Between Spirulina and Chlorella (15:05). ** Healthy Aging and Algae (30:06).   NOTES:: Show notes: amberapproved.ca/podcast/599 Leave me a review at amberapproved.ca/review Email me at info@amberapproved.ca   Subscribe to newsletter: https://amber-romaniuk.mykajabi.com/newsletter-sign-up    SHOW LINKS: Click below to schedule a 30 minute Complimentary Body Freedom Consultation https://amberapproved.ca/body-freedom-consultation/  Take my free Emotional Eating Quiz here: http://amberapproved.ca/emotional-eating-quiz Listen to Episode 291 about what it's like to work with me here: http://amberapproved.ca/podcast/291/ Follow me on Instagram www.instagram.com/amberromaniuk Youtube Channel: https://www.youtube.com/@amberromaniuk/    MY PARTNERS: Thanks to ENERGYbits algae tablets, improving and protecting your health and longevity is now effortless and affordable. ENERGYbits are tiny algae tablets you swallow, chew or add to a smoothie to improve your energy, focus, hormones, weight, detox, health, longevity, nutrition and more.   The benefits of algae have been known and enjoyed in Asia for decades. You just don't know about these benefits of algae because no one told you. So that's what ENERGYbits and their Founder Catharine Arnston are doing!   Did you know algae is FOOD? It's a raw, unprocessed whole food.  Algae tablets are NOT a supplement. In fact, ENERGYbits refers to their algae tablets as “bits” because they are  “bits of food”   ENERGYbits algae tablets make it easier for women to sail through perimenopause and menopause without the painful symptoms of brain fog and fatigue and they help all of us sail through life preventing decline or disease.   What's not to love about that? Nourish yourself and your entire family effortlessly with ENERGYbits “bits of food”.  Pets love them too!   Want to start protecting your body and brain now? Visit energybits.com and use the code NOSUGARCOATING to enjoy 20% off your entire order. If you take 10 tablets daily it's just a $1.00 a day. You and your health are worth it! Shop here! About My Guest Catharine Arnston Founder & CEO of ENERGYbits® Inc. Algae Nutrition Expert Catharine Arnston is an expert in algae nutrition, a wellness thought leader, an experienced entrepreneur, and a sought-after speaker. Catharine has a PhD, MBA, BA Hons, and is a board-certified health coach. Catharine's journey into the fascinating world of algae began in 2008 when her younger sister was diagnosed with breast cancer and advised by her oncologist that an alkaline diet would improve her healing. Catharine left her 25- year corporate career to help her sister identify which foods were alkaline and this led her to algae - the most alkaline, chlorophyll-rich, high-protein, nutrient-dense food in the world. When Catharine learned that algae's vast healing properties were documented in tens of thousands of scientific studies but that none of these studies or benefits were known outside of Asia, she knew she needed to do something. And so ENERGYbits® was born. Catharine has spent the last fifteen years researching algae, writing papers, giving presentations, lecturing at conferences, and speaking on 300+ podcasts to explain the benefits of algae. To do this, she read thousands of scientific papers that detailed, validated, and confirmed algae's nutritional, health, longevity, and global benefits. Remarkably none of these findings are known by consumers. It is Catharine's vision and passion to change this and her PhD in natural health has given her the scientific fluency that allows her to explain algae with such simplicity and clarity, it quickly becomes obvious why algae is something we all urgently need. Catharine's passion for algae is contagious, inspiring and thought-provoking. Her efforts have led to algae being better understood by educators, consumers, doctors, and wellness practitioners. Catharine's extensive knowledge and playful personality is both entertaining and educating and her speaking style leaves audiences informed, uplifted, and hopeful.

    B-Schooled
    Why do you need (not just want) an MBA now? : B-Schooled episode 257

    B-Schooled

    Play Episode Listen Later Aug 13, 2025 18:33


    Sometimes “Why do you need an MBA now?” is an essay question that programs ask directly, but more often than not it's something applicants should end up covering in an essay response even if there isn't a question about it. Questions around the timing of an applicant's MBA pursuit could also be asked in an interview.  This episode covers common reasons why applicants need an MBA now versus earlier or later in their careers, and suggests exercises to help articulate a strong response to questions about MBA timing.

    SuccessFULL With ADHD
    ADHD Reimagined: Executive Functions from the Inside Out with Jeff Copper: A Fan-Favorite Rerun Episode

    SuccessFULL With ADHD

    Play Episode Listen Later Aug 13, 2025 42:39


    This is A Fan-Favorite Rerun EpisodeIn this episode, I welcome back my friend and colleague, Jeff Copper, an ADHD and attention coach, to dive into a revolutionary approach he's developed for understanding ADHD. Jeff introduces his new tool, the "Attention Scope," designed to help individuals with ADHD and neurodivergent traits by bringing a new level of awareness to executive functioning. Through simulations and metaphors, Jeff walks us through how Attention Scope reveals the mechanics behind executive functions, empowering users to see their cognitive challenges and strengths from a fresh perspective. This method could be a game-changer for those seeking practical, data-driven strategies to improve their daily lives.Jeff Copper is an expert attention coach and authority on ADD/ADHD, holding an MBA and various coaching certifications. He founded DIG Coaching Practice, Attention Talk Radio, and Attention Talk Video, coaching individuals and entrepreneurs with ADD/ADHD to enhance their personal and business outcomes. Leveraging his personal experience with attention management challenges, Jeff developed the Anatomy of Attention construct and employs unique methods, including Cognitive Ergonomics and his proprietary AttentionScope®, to help clients identify natural solutions to overcome attention-related obstacles. Jeff integrates Dr. Russell Barkley's Executive Functioning Construct into his coaching, focusing on objective problem assessment and personalized strategy development. With a background from Indiana University and the University of Tampa, Jeff is deeply involved in the ADD/ADHD coaching community, holding memberships and accolades from several professional organizations. In 2023, he was honored with the Excellence in Coaching Award by the ADHD Coaches Organization. Jeff lives in Tampa, Florida.Episode Highlights:[0:59] – Welcoming Jeff back and introducing his new intervention tool, the Attention Scope.[4:24] – Jeff explains how Attention Scope uses simulations to reveal executive function impairments.[8:19] – The role of emotional regulation and self-awareness in ADHD coaching.[11:30] – Understanding executive functions in a tangible way through real-life tasks.[16:37] – Why methodical thinking requires different strategies than insightful thinking.[21:20] – Jeff discusses how Attention Scope is conceptually different from traditional ADHD approaches.[28:45] – Addressing executive dysfunction through guided questioning as a low-cost accommodation.[32:16] – How cognitive ergonomics benefits individuals by teaching them to advocate for the accommodations they need.[39:56] – Where to learn more about Attention Scope and how it may help individuals with or without ADHD. Connect with Jeff Cooper:DIG Coaching – Learn more about Jeff Copper's work and the Attention Scope tool.Instagram - https://www.instagram.com/dig.coaching/ Thank you for tuning into "SuccessFULL with ADHD." If this episode has impacted you, remember to rate, follow, share, and review our podcast. Your support helps us reach and help more individuals navigating their journeys with ADHD.

    Cortburg Speaks Retirement
    Hidden Retirement Costs That Can Derail Your Plan

    Cortburg Speaks Retirement

    Play Episode Listen Later Aug 13, 2025 5:21 Transcription Available


    Retirement expenses go far beyond housing and travel. In this episode, Miguel Gonzalez, CRC, reveals the most overlooked retirement costs—like medical bills, taxes, and inflation—and how to plan for them now.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#Cortburg #retirementplanning #retirementcosts #hiddenexpenses #retirementstrategy #financialplanning #healthcarecosts #RMDs #inflationrisk #SocialSecuritytaxes #retirementbudget #financialadvisor #Medicare #longtermcare #homeexpenses #familyfinances #retirementincome #moneytips #CortburgSpeaksRetirement #MiguelXGonzalezWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

    Phronesis: Practical Wisdom for Leaders
    Navigating Leadership Polarities with Cathy Carroll

    Phronesis: Practical Wisdom for Leaders

    Play Episode Listen Later Aug 13, 2025 31:32 Transcription Available


    Send us a textCathy Carroll learned about family business leadership the best way you can – by leading her family business. After a twenty-year corporate career, she left United Airlines to lead her father's business and instantly recognized a difference between leadership in a family business vs leadership in a large corporation.  Founder and President of Legacy Onward, Inc., Cathy Carroll is a family business leadership coach and author of Hug of War: How to Lead a Family Business With both Love and Logic. She also trains advisors serving in family enterprises, as well as coaches who maintain their credentials with the International Coaching Federation.Cathy earned certificates in both Leadership Coaching and Executive Facilitation at Georgetown University, an MBA at the University of Chicago Booth School of Business, and a BA at Boston College.  She is also a Professional Certified Coach (PCC) in the ICF.An active member of the community, Cathy currently serves as Vice-Chair the Board of the Purposeful Planning Institute and co-founder & Treasurer of A Leg To Stand On which provides prosthetic limbs to children in developing countries. A Few Quotes From This Episode“I have to get comfortable with disappointing people. That's my growth edge as a leader.”“A polarity is like breathing — you can't inhale without exhaling. In leadership, you need both.”“An overused strength becomes your biggest liability.”Resources Mentioned in This Episode 

    Rede Geek podcasts
    CHIPS PODCAST // CLAUDIO GUSMÃO

    Rede Geek podcasts

    Play Episode Listen Later Aug 13, 2025 56:51


    No vigésimo quinto episódio temos o prazer de conversar com Claudio Gusmão, uma referência em Game UX, pesquisa e ensino de jogos na América Latina. Mestre em Design, com MBA e mais de 15 anos atuando como professor, ele também é fundador da UX4INDIE, startup pioneira que oferece playtests de UX e QA para estúdios independentes. Claudio coordena o Spgame Lab, o primeiro laboratório público de testes de games e QA no Brasil, além de integrar o corpo docente de pós-graduação em Design de Jogos e UI/UX no IED São Paulo Gamescom Latam 2025. Uma conversa imperdível sobre design centrado no jogador, testes de usabilidade e como fortalecer o ecossistema indie.

    AEC Marketeer
    Episode 130: Tradeshows with Tracy Jenkins

    AEC Marketeer

    Play Episode Listen Later Aug 13, 2025 36:58


    From pre-tradeshow planning to post-event debriefs, Tracy Jenkins shares her proven process and go-to checklist for success. Tune in as we explore best practices, actionable tips, and a step-by-step approach to make your next tradeshow a winning experience! About Tracy Jenkins, MBA, CPSM: Tracy is a dedicated business development professional providing strategic marketing services for the 3QC team. She specializes in research, organization, technical writing, and creative thinking, consistently meeting tight deadlines and delivering impactful results. Website: https://3qcinc.com/ LinkedIn: https://www.linkedin.com/in/jenkinstracy/

    SeventySix Capital Leadership Series
    Blake Lawrence, Co-Founder & President of Opendorse - SeventySix Capital Sports Leadership Show College Sports Series

    SeventySix Capital Leadership Series

    Play Episode Listen Later Aug 13, 2025 41:29


    On this episode of the SeventySix Capital Sports Leadership Show - College Sports Edition, Wayne Kimmel and Co-Host Ken Shropshire interviewed the Co-Founder & CEO of Opendorse, Blake Lawrence. Lawrence explores the rapid evolution of Name, Image, and Likeness (NIL) in college sports—covering the impact of recent executive orders, the financial literacy young athletes need, and the shifting dynamics of athlete compensation. He offers insights into the challenges and opportunities NIL presents, the implications of the transfer portal, and introduces his book, NIL 101: The House Settlement, which demystifies the complexities of NIL for athletes and industry stakeholders.After a promising career as a University of Nebraska linebacker was cut short by injury, Lawrence pivoted to business—earning his marketing degree in 2009 and MBA in 2011. In 2010, while completing his MBA, he co-founded Hurrdat, a fast-growing social media agency later acquired in 2014. Building on that success, Lawrence and former teammate Adi Kunalic launched Opendorse in 2012. What began as a simple tool to help one friend manage endorsement deals quickly grew into the leading platform connecting athletes, brands, and sports organizations.Under Lawrence's leadership, Opendorse has partnered with major sports associations including the NFLPA, MLBPA, PGA Tour, NHLPA, and Team USA. Today, the platform serves more than 100,000 athletes, 3,000 brands, and thousands of organizations—backed by $40 million in venture capital and patent-pending technology that quantifies athlete endorsement value.Known for blending lessons from the locker room with entrepreneurial grit, Lawrence champions values like teamwork, accountability, competitiveness, and relentless work ethic. Beyond running Opendorse, he is a sought-after speaker and media voice, appearing on ESPN's Outside the Lines, SportsCenter, Today Show, Bloomberg QuickTake, and more.Blake Lawrence: LinkedIn: https://www.linkedin.com/in/blakealawrence/Instagram: https://www.instagram.com/blake_lawrence/X: https://x.com/Blake_LawrenceNIL 101: The House Settlement: https://blakelawrence.gumroad.com/l/NIL101TheHouseSettlement?utm_campaign=house-posts&utm_medium=social&utm_source=xChapters00:00 Introduction to Blake Lawrence and Opendorse02:51 The Evolution of NIL and Opendorse' Role08:29 The Impact of NIL on Young Athletes12:07 Financial Literacy and Support for Athletes16:31 Compensation Disparities and Locker Room Dynamics21:14 The Transfer Portal and Its Implications24:40 The Future of College Sports and Market Forces26:43 The Role of the College Sports Commission37:19 Blake's Book: NIL 101, The House Settlement41:02 Looking Ahead: The Future of College Football and Basketball

    Dental A Team w/ Kiera Dent and Dr. Mark Costes
    How Dentists Can Capitalize on the Big, Beautiful Bill

    Dental A Team w/ Kiera Dent and Dr. Mark Costes

    Play Episode Listen Later Aug 12, 2025 42:26


    Derick Van Ness of Big Life Financial returns to the podcast to discuss with Kiera the new realities of the recently passed One Big Beautiful Bill — and how dentists can capitalize on the impacts. They discuss bonus depreciation, research and development credits, and more. Further, there's an opportunity for DAT listeners at biglifefinancial.com/DAT, where you can learn if you're overpaying on your taxes and what new opportunities exist. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today I'm excited to welcome back a popular guest. He and I have chatted multiple times. We've gone around and around on different topics of how to help dentists build more wealth. So Derick, ⁓ with Big Life Financial, we talked about our research and development credits. Today we're going to be talking about this big, beautiful tax bill, how it's going to impact dentists, how it's going to impact building wealth. I do think it also impacts team members. So Derick, welcome back to the show. How are you today?   Derick Van Ness (00:29) I'm great, Kiera. I really appreciate you bringing me on the show again. It's always fun to talk.   Kiera Dent (00:34) Of course, we all know that I love wealth strategies. love ⁓ it takes time like you and I were talking about pre show. ⁓ I think it's something to educate ourselves on and to be around really smart people and to constantly be looking at different things like I know hot in the real estate world right now and with buying businesses and buying practices, the big beautiful tax bill is actually great for the bonus depreciation coming in. So just like educating ourselves and that's what I wanted today to be.   not getting high into politics. These are bills that are into place ⁓ and how to take advantage of them, how to maximize them. Derick, you work with a ton of dentists. So Derick, for those who don't know, you kind of give a little bit background on how you and I even got connected, how you got into dentistry, ⁓ how does Big Life Financial play into this. We have a lot of mutual clients together. So just kind of give people a background on who you are and how you got to the dental space.   Derick Van Ness (01:26) Absolutely, you know, I started out back in like 2010 2009 2010 helping small business owners with taxes and financial strategy I was working for another firm at the time and I had been a house flipper and if for those of you who remember 2008 wasn't so good if you're a house flipper, right and When that whole thing fell apart kind of fell in my head I took a lot of the skills that I had and a friend of mine hired me to help   Kiera Dent (01:46) It is not.   Derick Van Ness (01:55) small business owners with taxes and financial and business strategy. ⁓ Working with them, I had a chance to work with about 1,500 business owners over seven years. And then eventually went out and started doing my own thing because there were some different things that I wanted to do that they didn't offer. ⁓ essentially, in that time, I worked with a lot of dentists and a lot of doctors. ⁓ And so I kind of stayed in that arena, which led me to ⁓ meeting you, Kiera.   through Mark over at DSI and all the stuff that I'd done with him and then found you guys and just love what you guys do with helping people to build their teams. Cause I'm such a huge advocate of how important that is to have the right team to run your practice, right? Especially if you're going to have multiple practices, it just can't be about you. And so it was just kind of a natural fit. And like you said, you, you definitely love financial strategies. So.   We got into it, we talked about a bunch of different things, had a chance to work together. Like you said, have shared a lot of clients along the way, but it just seems like dentists have a lot of the problems that we solve, which is they pay a of taxes, they make good money, and most of them didn't get an MBA in college to understand how business and finances work. They've had to learn along the way. And so we see ourselves as part of that process of helping dentists become.   better business owners, better entrepreneurs, and honestly create freedom in their life instead of just having a business that runs them, because it's easy to have that happen in dentistry. So that's sort of how we got connected. I don't know, over the last, since whatever 2008, 2009 was, last 15 plus years, I've probably worked with somewhere between 2,000 and 2,500 business owners. I would say a good chunk of those have been dentists. So that's how we ended up together.   Kiera Dent (03:48) Yeah.   I love the journey. love hearing what you've done. I also agree on like building wealth. And I think going through dental school, working at the dental college, dentists are coming out with, you know, upwards of 500, 600, 700, $800,000 in debt somewhere up towards that upper million. Midwestern was a very expensive school. looking at that and then watching offices and I remember the first dentist that I worked with and we were partners. We, called her 2.5 because we were 2.5 million debt.   Derick Van Ness (04:03) Cheers.   Kiera Dent (04:18) was like, you better straighten that spine 2.5. Like we need that spine for a long time. But it was something where I realized like, that's a substantial amount of debt. One to walk out of school with two you buy a practice on top of that and then you want to try and like even remotely live your own personal life. It just felt like the odds are possibly stacked not in a dentist favor. I've had several dentists where this is the case where they're multimillion in debt, trying to get these practices off the ground. And so really coming up with   Derick Van Ness (04:43) Mm-hmm.   Kiera Dent (04:47) like yes, long-term, if they make it, awesome. Hopefully it will pay off for them. But what are maybe some strategies and tips that they can do now? I think like so many of us look at real estate and wish that we would have gotten in at the 2008 because now you're selling them out or even in 2020. And so it's like, what can people do now, even if they didn't maximize or we didn't buy practices back in the day when they were so cheap, they were pennies on the dollar. What things can we do now to maximize? I was even talking to this girl the other day.   And she's like, yeah, my baby was born on New Year's Eve. And I was like, wow, talk about a great tax write-off. And she's like, I didn't even know that that was a tax write-off. I didn't even know the benefits of things. And so I feel like just so many little pieces that could make us smarter business owners to, I'm here, I love living in the United States. I love paying taxes for the country that we get to live in. I love the opportunity that we have to be business owners. With that said, I also think it's smart for us to be very wise stewards over our money to figure out different strategies.   And no, it's not sexy. No, it's not fun. A lot of it is just like save, like invest, do the things you're supposed to do. And it's going to be part of what is it? Like the eighth wonder of the world of compound interest. Like there are other pieces, but Derick, like, let's talk about this big, beautiful tax bill. How does this work? How does this impact business owners? What are some of the benefits we can take care of? Now we're talking in 2025, things will change and shift as the landscape shifts, but knowing that's in place, what are some of the things dentists owners can do now?   to maximize that coming out.   Derick Van Ness (06:18) Yeah, you bring up a good point, Kiera. You know, it's not that this stuff happens overnight, but it is, it's systemic, right? You're doing it day in and day out. And tax is one of those things, whether you like it or not, you have to file them every year. And I'm not going to lie to you, that's part of what I like about being in the tax world is people have to do it every year. It's a pretty good business model that way, right?   Kiera Dent (06:30) Right.   I   was gonna say you've got the reoccurring opportunities because it has to happen every year just like dentists have profis every six months. I mean it's a great built-in business. mean kudos to you. I don't enjoy it but it is a necessary evil to be done.   Derick Van Ness (06:52) I totally get that. If you would have told me you're going to work in taxes even 15 years ago when I first got into it, I would have said absolutely not not interested. But what I can tell you is every dollar you make in taxes is the same as a new dollar you make in your business. Right. But you don't have to have employees and risk and additional insurance and additional equipment and all this other stuff. So it really is pure profit when you can reduce your taxes. So   even a small amount of tax strategy can go a very long way in increasing what you get in the bottom line, right? And if you could just take a lot of dentists across the country, they're in the 40 % tax bracket, maybe a little higher or lower depending on your state, but somewhere in that range, if you could even lower that by 10%, that's keeping an additional 10 % of your income. That's a lot of extra money for people to be able to save and put to work without having to go do more risk and...   buy a bigger building and do a build out and deal with more personalities in the office because all of those things are variables, right? So I see it as a pure profit machine if you get it right. And so I've chosen to think it that way because I spend so much time in it, but it really does come down to just keeping a lot more of the money you make. And it's a very potent way to do it because honestly, with 10 to 15 hours a year, so think of that as like one hour a month.   you can really add a lot to the bottom line of what you get to keep. In some cases, we can cut taxes almost in half for high, high income earners. So it's a pretty big deal.   Kiera Dent (08:25) Well, and as you said that I think it's a big deal for today because yes to have that back to you is great. But like we talked about compounding, compounding until you've experienced compounding seems like not real. Just like I think when like you have bought your first house and it's like, how am I ever supposed to do this and make money on it until you bought your first practice? A lot of those things I think feel ⁓ arbitrary, they feel false. And then once you get into the compounding world and you're like, my gosh, like   we're making money without having to do anything. It's like, yeah, I could save on my taxes in a legal, ethical way, have more money at the end of the year that I could then put towards this, like you said, make it work for me. Well, now that it's just duplicating, it's multiplying, it's replicating, those things to me are things I get excited about. Those are things that I look for, because I don't think there's a lot of money.   I call it the money making machine. What things can we put into your money making machine to where it's working for you day in, day out without you having to do any extra work? I think all of us check yes, let's say yes to that. So Derick, let's talk about how we can create more of these money making machines, putting our money to work for us rather than constantly trying to chase the money dream to where at the end of our careers and even during our careers, we're living the lives that we wanted to get to when we first started out into these careers.   Derick Van Ness (09:29) Yep.   Yeah. And I can tell you guys this, if you only walk away with one thing, it's the idea if you want to build wealth, you need to create systematic savings, right? Systematize putting money aside, whether that's actually savings account or investing or however, but just getting money out of the spending cycle and into the building cycle. And it's like watching your child, right? Like in the beginning, kids grow and it's like day to day, you don't see it, but year to year,   it starts to make a bigger and bigger and bigger difference. And then, you know, when they're teenagers, you're just like, what's happening, right? So it's the same kind of thing with your money. In the beginning, if you're just watching a day to day, you don't really see the growth. You have to trust the process, right? But the biggest thing you can do is put that on autopilot, because if you have to automatically go into your bank account every month and move money over or every year, move money over, it's much harder. And like writing,   Kiera Dent (10:28) Mm-hmm.   Derick Van Ness (10:42) 25, 50, 100, $200,000 checks feels hard. Setting aside 2,000, 3,000, 5,000, $10,000 a month, and then you cut that in half per pay period, and all of a sudden it gets a lot easier. It's like, oh yeah, $1,000 a pay period, not that big a deal. Much easier than writing a $25,000 check, right? Or two or $3,000 per pay period. It really does add up. And that's where the tax piece comes in is, in many cases, it's like found money. I try to teach our clients to...   Kiera Dent (10:46) Mm-hmm.   Derick Van Ness (11:11) save like you're going to pay full blast on taxes. And then when we do the tax strategy, all this money is left over. And so it feels like extra money, and then you can put it to work, right? And that's where you do get to play with some bigger chunks. ⁓ But really, it's that habit of automating, setting money aside. If you can just only take one thing from this, it's that. And taxes can create a huge amount of that for you along the way. So let's talk about the tax bill, right?   Kiera Dent (11:24) Mm-hmm.   Yeah,   let's talk about it. And I just want to highlight on that, Derick, of I was talking to a CPA the other day on the podcast and he talked about how like there's a different psychology of business owners. ⁓ We go from getting a W-2 paycheck that we're used to being able to spend all of it because taxes have already been taken out to them becoming business owners and not having taxes automatically taken from that and needing to be super disciplined on saving. And so I agree with you. And when I realized like,   I got so annoyed when I'm like, great, so now I never get a refund check ever again in taxes. I was like, no, actually it's actually so much better now than it ever was. Because if I just set it aside, I'm like, taxes are pretty simple. I guess there's some nuances to them, but it's pretty much like whatever tax bracket you are, take your profit at the end of the month, set that aside. And lo and behold, if you do the tax planning strategy, like you said, usually I'm ending up with a pretty good substantial chunk at the end of the year that I count as my like quote unquote, like   the refund check or whatever. It's been so long since I've gotten one that I don't even know what it is. But it's awesome because then you have this huge lump of money because you've been saving it. You weren't expecting it. All your expenses in your life is taken care of to where now, like you said, it is really fun. Is that an investment? Is that buying something that I've always wanted to get? Is that real estate money? Because the amount of cash, if you are strategic in how you do it, is exponentially substantial.   It is truly life-changing. So I'm excited, Derick. Let's talk about the tax bill, but I will second you and ditto you and just say, yes, there's discipline to it, but that discipline equals so much freedom on the other side that just try it. Trust us on this. Save, learn to save on it and ⁓ be blown away at how much you're able to have at the end of the year if you do it really well.   Derick Van Ness (13:25) Yeah, I 100 % agree and I love your approach, Kiera. That's exactly what we try to teach with people. So let's talk about the tax bill, right? There's a ton of stuff that's in there that we're not going to touch on because like the child tax credit go up $200 a year. Yes. Is that going to move the needle for you as a business owner? Not really, right? Is there a little bit for senior tax relief in there where there's $6,000 of income that they don't pay taxes on? Yes. Does that really matter for you? Probably not, right? So we're going to...   Kiera Dent (13:33) Okay, let's talk.   Derick Van Ness (13:55) we're going to talk a little bit about a couple of key things that can really move the needle. One of them you alluded to, Kiera, that I think is really important is the idea of bonus depreciation, right? People who don't know what bonus depreciation is, it's when you buy certain types of equipment or real estate, you can take all the depreciation in the first year, right? And that can be ⁓ a huge chunk, especially when you combine it with something like cost segregation. For those of you who don't know what cost segregation is, the two really   Kiera Dent (14:04) Mm-hmm.   Derick Van Ness (14:24) work well together. So I think it's worth taking just a sec, even though it's not new, it really enhances this strategy. ⁓ Cost segregation is when you have a piece of real estate, you bring in an engineer, and there are companies that do this, right? So you don't have to know all this stuff. ⁓ But they come in, they reclassify as much of your building as they can as equipment. And so what you get to do is depreciate a portion of the building, the stuff that's equipment much more rapidly. So a lot of times five, seven or 15 years.   versus either 27 or 39 and a half years. So you get a lot more depreciation on the front end. It's not like you get more overall, but money today is worth a whole lot more than money 20 or 30 years from now. You can invest it and use it to grow your business, et cetera. But then when you add bonus depreciation to that, you can get a lot more of it in the first year. what this really means is if you're   Kiera Dent (15:06) Mm-hmm.   Derick Van Ness (15:21) buying the right kind of equipment or you're buying a building or you're doing big improvements, you can get a lot more depreciation and that depreciation can save you in taxes, right? And this is one that I feel like most CPAs kind of get bonus depreciation, but a lot of them don't bring in the cost segregation piece. So if you own a piece of real estate, especially if you bought it in the last few years and you haven't done a cost segregation study, this is something that you would have to know about because someone has to physically come to your building. If you haven't done one,   Kiera Dent (15:39) Mm-hmm.   Derick Van Ness (15:51) should talk to your CPA about it or talk to someone about it. I'm sure Kiera knows people, we know people, there are plenty of people out there who do it. But that's something worth looking at, especially if your building's worth, I would say, $250,000, $300,000, and you've had it less than five years and you haven't done this, yeah, it's totally worth looking at. It could be a real nice windfall. So that's a big one. It had been in place, then it started phasing out from 100 % to 80 % to 60%.   Kiera Dent (16:04) I   Derick Van Ness (16:20) but now we're back at 100%. So this is a big one, especially if you own your building or you're buying a lot of equipment. ⁓ Another really big one is the SALT tax. Now, people hear SALT tax and they're like, what? They're thinking of like the SPICE, right? SALT stands for state and local tax. And really to simplify this, and there's kind of a workaround in almost every state where you can do it as a pass-through setup. And essentially what that means is,   Kiera Dent (16:27) Mm-hmm.   Bye.   Derick Van Ness (16:49) If you pay all your state taxes before the end of the year, those state taxes become a write off for your federal taxes. Now this was in place up to $10,000. So if you were in a 40 % tax bracket, it could have saved you $4,000. Now it's up to 40,000, four zero, $40,000. So if you're making a lot of money or you're in a high tax state, you can pay those state taxes before the end of the year and it creates a federal tax write off.   And so like if you were in a, you know, paying in a 32 % tax bracket and you paid $40,000, it's going to save you, you know, between 12 and $13,000 in taxes that year, which is pretty significant for found money. All it has to be done is you have to pay those taxes and then your, your CPA or your tax pro has to claim that. Right. So that's another big one that got raised and you probably heard a lot about it in the news because   People were trying to get it raised higher and some people thought it should be lower. It really does favor business owners. It's not something a person who doesn't have a business can do. And that was part of the controversy, right? ⁓ But at the end of the day, it's law. So you should be taking full advantage of that.   Kiera Dent (18:03) I feel like that definitely impacts like the high state tax ⁓ states like California, New York, like some of those bigger ones, definitely because I live in Nevada, it's a no state income tax state. So if I understand correctly, Derick, and this is where I love bringing smart people on, the salt tax doesn't apply to me per se in Nevada, because we don't have state income tax. Is that correct? But in those higher ones, it definitely helps you out tremendously by being able to take those those credits and apply them.   Derick Van Ness (18:32) That is correct, yeah. And like another really high one is Oregon. They have quite high state tax, whereas Washington has none. So yeah, that doesn't apply to everybody. But if you're in a state that has even medium, like I'm in Utah, income tax there is right around 5 % for the state. It's still significant, right? You can still do up to the same amount. You'll just get there slower than if you're in California.   Kiera Dent (18:36) Mm-hmm.   I agree.   Right.   Derick Van Ness (19:00) Once again, just one of those things like you talked about, know, having kids or, you know, having the ADA like disability access to your building or a lot of these other things that like there are a bunch of little things, but they really do add up doing the Augusta rule. I'm sure you guys have talked about a million times and paying your kids properly. And we have a whole strategy of actually how to help people use tax strategy to pay for their kids college, which is a pretty cool one using some of that.   Kiera Dent (19:15) Mm-hmm.   Derick Van Ness (19:29) But those aren't part of the tax bill, so we won't dig into that today. ⁓   Kiera Dent (19:32) But they   are smart things to know because as you're listing it off, I think when someone's making, let's say your practice is doing a million, let's it's doing 2 million, 5 million, let's say you're at a 50 % overhead, let's just do 5 million, that's 2.5 mil. Not all of that's going to come to you as profit, but let's use like, it also could be coming to you as profit, even if it's in the form of distributions and different pieces. I'm like,   Derick Van Ness (19:42) Mm-hmm.   Kiera Dent (19:55) on that 2.5, if that's your taxable income, now let's just do, let's say you're in the highest, like that would put you in the highest tax bracket. So we're at a 37%. Like that's almost a million dollars worth of tax money right there on 2.5. So I understand that say 12 grand doesn't seem like that much, but I'm like, but 12 grand is still going to chip down this tax bill. And then you do another 20 grand here, then you do another 15 grand here.   All of that does exponentially chip down and like the bonus appreciation. That's why I think Derick, you're talking like the $200 on a million of taxes, not really going to move the needle, but 12 grand, 15 grand. It's the stacking and being able to keep that money. You have to pay this tax no matter what. And why not like benefit and minimize and reduce it and keep that money. then even worst case scenario, you even go invest it or you put it somewhere like a high yield savings account, but still making 4 % for you.   that you wouldn't have been making so that money's working for you. I think it's a no brainer ⁓ no matter what tax bracket you're in just to see. But like I also think this is where I don't like to get lazy on my taxes like, is it really worth doing the Augustus roll? Yes, it is. Because like you said, every dollar saved today, if I could even take that 600 or that 2000 or that 12 grand, put it in right now, like go back to college. How many of us wish we would have invested at that point in time? 20 bucks when we were in college.   Derick Van Ness (21:02) You   Kiera Dent (21:19) into the stock market and what that would be worth today, I think that there's just value in being strategic and smart and this is how you build wealth. It's not sexy, but if you do it consistently, you will exponentially become wealthier much faster than otherwise. I think it's the fastest way to get to wealth long term because you've got a runway in front of you.   Derick Van Ness (21:38) Well, I'm going to throw something out here, Kiera, because I get to see behind the scenes, right? I work with a lot of successful dentists and dentists have a really good income. Dentists generally are not great at creating wealth. I'll just be totally honest with you. A lot of them, they make enough money that they, ⁓ they can spend and they have a good life and they're able to put some money away, but proportional to their income, a lot of them are not great savers because of exactly what you talked about. A lot of them make all this money, but they got to pay off a lot of debt.   Kiera Dent (21:42) Mm-hmm.   I would agree.   Derick Van Ness (22:08) right, student loans and a business loan. Well, that's a lot of cash flow, especially in the first five years going out of lot of people's pockets. So a lot of times I'll see a dentist and they're making, let's say they're taking home $500,000, which is very common. ⁓ But you look at their investments and everything and they've got 300 grand saved. And they've been at it for 10 years and you're like, what happened? it's they paid off student loans, they paid off business debt.   Kiera Dent (22:27) Mm-hmm.   Derick Van Ness (22:33) They've had to invest in equipment along the way. They've had to remodel their office. They bought a house. You know, and they have some nice things. But now when you start going back and saying, hey, we can do this, this, and this, and now you get to save an extra, let's go really, really low, an extra $20,000 a year. Okay. I did some math the other day for our newsletter, $20,000 a year. If that's what someone saved and they just put that money to work at 7%. Over 30 years, they'd have $2.1 million roughly.   Right? So it's like, it's not, it doesn't appear to be a huge thing, but over time it really does add up. And to be quite honest, someone who makes $500,000, I can think of a bunch of ways that are outside of the new tax bill, things we've been doing for years that can really save them a whole lot more than that. And so for a lot of people, like if somebody is making two and a half million dollars, there's actually some advanced strategies that can really move the needle in a big, big way. But these small things like paying your state tax by the end of the year,   It takes you five minutes and you saved 13 grand. Okay, that's a big deal. Doing, making sure you're paying yourself properly so that you don't end up paying self-employment tax unnecessarily on more of your income than you. Okay, that's another seven, 10, 15, 20 grand. ⁓ Paying your kids, Augusta rule, bonus depreciation. Okay, now all of sudden we took a bill that was maybe 120,000 of taxes for someone who makes 500 grand and now they're paying 50.   Kiera Dent (23:34) Hmm.   Derick Van Ness (24:00) So they kept 70,000. Like that's a big deal. You put that together and using the math I just did there, that's about $5 million over 30 years, right? So it's significant and I bring up the two and a half million thing, because I don't see a lot of dentists. I have a few clients that make that kind of money, but most of the dentists, especially people who own one or two practices, they're making between on the lower end, maybe 300, 350, on the higher end, maybe 800, 900,000.   Kiera Dent (24:00) Mm-hmm.   Mm-hmm.   I agree.   Derick Van Ness (24:29) You know, so suddenly an extra 50, 70, 80, $100,000 a year is a lot of money. It makes a really big difference.   Kiera Dent (24:37) I agree.   I even think though, on no matter where your bracket is, I think like, well, one, I just hope I don't know, Derick, I need to surround myself with people like this. I hope that no matter what income I make, I don't ever like pish posh 70 grand. Like I just hope I hope I never I mean, I hope that I'm a freaking billionaire at one point in my life, like that'd be incredible. And like the amount of good that we'll be able to do in this world, like even today. But I'm like, I hope that I stay   humble and grateful enough that I would never say like 20 grand or 50 grand is not worth my time to do ⁓ in a small effort. ⁓ And so I think that that's just a zone of like, let's remember the humility as well of like, yes, these things are tax savings, but they're also going to exponentially grow you, you, your practice, your family, like your contribution, your good that you're able to do in this world. So even if you're not using it for yourself, think of the good that you can give back to this community in this world. So I think   And then I'm also like, yeah, and if you're at 300, 70 grand is a lot. If you're at 900, 70 grand should still be a lot. If you're at 2.5 million, 70 grand should still be a lot for you to where I think like, I also feel it's a skill of staying sharp rather than getting lazy and sloppy as we evolve. I know I've done it. Like I used to be way more scrappy when I first started the company and I'm like, yeah, well, do we really have to do all this? And it's like, but I think this...   sharper we can keep ourselves and the more disciplined we can to be expert saviors. Like I talked to Ryan Isaac of Dentist Advisors often and he and I talk about like the biggest thing is like being a great saver, like building your wealth, but then also not losing your wealth by doing dumb things or not being disciplined and watching what you've built. Like it's kind of two sides of the coin and being able to get there at the end of the day, I think is what we're all striving for. So I think it's brilliant and I hope that nobody says pish posh to us.   Derick Van Ness (26:12) Mm-hmm.   Kiera Dent (26:34) 70 grand if we could save you that much in taxes.   Derick Van Ness (26:37) I sure hope not, right? And if you do, it's because you've got a better use of your time than that. But quite frankly, most of this stuff, especially taxes, the cool thing is we've had a few tax rewrites in the last, you know, 10 years or so. But typically we don't have a lot of tax rewrites. So once you know the rules, it doesn't change that much year to year. A few little things change here or there, but for the most part, if you can take the time.   get yourself the right team or learn the rules yourself. mean, I think even people who know how to do this themselves, having a good tax pro on your team can be worth a lot because things do come up. ⁓ But honestly, most of it, once you know it, doesn't take a lot of time, right? We're talking a couple hours a year. And if you know what you're doing, a lot of this you kind of do along the way or it's already set up, like setting the money aside for taxes that's already set up, paying before the end of the year. That's just the thing you do one time, you write one check or make one payment online and   Kiera Dent (27:17) Mm-hmm.   Derick Van Ness (27:32) and you're done, right? And a lot of these things are easy. ⁓ Another one that's a really big one that came up with the tax bill that I'm very excited about is they brought back the research and development credits. And this is another thing that for a dentist, it'll probably take you two hours of time ⁓ to do it, like an hour to work with someone to do the projects, which is basically an interview of what have you done, what's the research so that the tax team can look at that.   Kiera Dent (27:43) Mm-hmm.   Derick Van Ness (28:00) And then just getting your tax returns over because not only do these credits come back, but you can retroactively, we've got one year to do this retroactively. You can go back and claim the credits for 2022, 2023 and 2024. And so that gives us three years where you can amend and go back and get that money. And I mean, for a typical dentist, I see on the low end, there are a lot of them. If you're investing in equipment, trying new stuff, which   Kiera Dent (28:15) Wow.   Derick Van Ness (28:29) most dentists to compete have to be doing today. If you're doing, you know, still doing mercury fillings from the seventies, then maybe that's not you. But most people who are listening to your podcast are...   Kiera Dent (28:32) Mm-hmm.   I was going to say you, most of the podcast   community should be in that realm.   Derick Van Ness (28:44) Yeah, I'm kind of joking, but typically, I mean, it's between $10,000 and $20,000 a year. if you have a big practice, I mean, we've had clients that have gotten multiple six figures back because they did some major overhauls and a bunch of stuff. But let's call it $15,000 to $20,000 a year for a lot of dentists. It takes 45 minutes to do it, the interview, and then a little bit of time to review that, make sure it's good.   So let's call it two, maybe three hours of total time to get that money back, right? And you can do this every year when we amend. You have to amend them and they go back to the IRS. And the IRS is taking about a year to get checks out. They're a little buried ever since COVID. They got behind and they just never caught back up. But once you get on top of that for 2025 and beyond, like you can just do it proactively. You just don't pay the taxes. You don't have to wait for a refund.   And so it's another one of those things where you spend an hour or two a year and you get 10, 15, 20, $30,000 a year that you just get to keep. Right. And so this one to me is a huge one for dentistry because the rate at which the industry is changing, right. Uh, went from, from cone beams to milling people, milling their own crowns. Now it's 3d printing pretty soon. It's going to be, you know, a lot of these things you see at the shows with the robots doing things and all kinds of different things that   Kiera Dent (29:50) Awesome.   Totally.   Derick Van Ness (30:12) Dentistry is a very progressive industry, right? A lot of AI coming in with answering phones and scheduling people and answering questions and all of that kind of stuff. You may as well get credits for it. You're doing the work, you're buying the equipment, you're figuring this stuff out. So if you're doing anything where you're upgrading, trying new technology, looking to get better, faster, more efficient, you're probably accruing the credits. ⁓ And it's just something you don't want to miss out on. R &D credits are... ⁓   not as well known as they could be because it's very much a specialty thing and it's relatively new to the tax code. It only became permanent in 2015. It's been around since the 80s but it changed a bunch and became permanent then. And the reason we didn't do it through 2022 through 2024 was there was a change in the 2017 tax code and you know they gave tax breaks.   Kiera Dent (30:43) Mm-hmm.   Derick Van Ness (31:07) to corporations, they had to make it up somewhere. And this was the place where they said, if people claim R &D, they also don't get to write off all the expenses without going into all the detail. It just wasn't worth doing. Now we can go back and recover that. Congress didn't think it was even going to become a law. I think they thought they were going to amend it. And then COVID happened. And they sort of forgot about it. So it became a law in 22. Anyway, this is all fixing it. So to me, this is a huge one. It's an easy win for a lot of a.   Kiera Dent (31:18) Yeah.   Derick Van Ness (31:36) a lot of dentists to be able to go out and just get a bunch of money back in taxes you've already paid for stuff you've already done. And it's pretty minimal effort. ⁓ There are lot of different people out there who do it. We do a free estimate for people so they can kind of see what's on the table. But yeah, it's pretty straightforward. To me, that's probably the one specific to dentistry that's going to apply to almost everybody listening almost every year. And so   I kind of saved it toward the end here because I think it's the big win. know, the others, the bonus depreciation can be bigger, but you're probably not buying a business or massive amounts of equipment every year. But if you are, then that's going to be a huge one too.   Kiera Dent (32:20) Yeah. No, Derick, I love that. And I did some math because you talked about like one hour approximately per month to do these things. And I just I did some really, really conservative numbers. So I was like, if we were doing 20 grand of how much we get for tax savings of like actual dollars to you. And that was in 15 hours a year. That's 1333. So about 1400 per hour. And so thinking about a dentist who's producing 1400 per hour.   That's actually, that's a pretty high production. You're producing about $11,000 a day as a dentist at that rate. Then I was thinking like, okay, the R &D is 10 grand, 20 grand in two hours. That's now producing $10,000 an hour. I was like, that dentist would be producing $80,000 a day. Just to put in comparison of your dollar per hour on production, you apply that to your tax savings. I think that it's to me,   Not all dentists are even producing $1,300 an hour. Even very, very skilled dentists, like 500 to 1,000 is actually pretty great. That's what we try to target for doctors to do. 8,000 a day is a pretty good amount. So when I just did the quick math and I'm like, a lot of dentists are not working five days a week. A lot of you are working four days a week. So if you just added this as part of your CEO time, one hour per month to dedicate to this.   What's the ROI of that time? think it's very well worthwhile. And I will agree with you, Derick. We've had you on the podcast before. That's why I had you come back on, because I am seeing multiple clients get these R &D credits coming through that I just think it's a worthwhile thing. Again, I feel like it's Geico. That's what I feel like right now. Like one hour or like one quick call could save you 10 to 20 grand. I think that that to me, again, let's be sharp. Let's be savvy. Let's make sure we take advantage of these opportunities because again,   Derick Van Ness (34:00) you   Kiera Dent (34:13) Like you've said, the compound of that 10 or $20,000 that you get over the course of the next 20 to 30 years while you're doing dentistry, even if it's five years, even if it's 10 years, ⁓ that to me is so worth your time. I feel like that's the best use of your time you can possibly do as a CEO, as a business owner. So Derick, that's why I want to do back on because I think everybody should connect with you. Everybody should talk to their CPAs about this.   I know you guys do the R &D credits. I also know that you guys do accounting. So if people are looking to connect with you, Derick, like what's the easiest way? Like I'm fired up listening to this podcast. I'm committed to my one hour a month. It's like one and a half guys. So you're gonna have to be a little bit more, but I'm committed to that. Where do I start? How do I get going to make sure that I can maximize this big, beautiful tax bill and also the R &D credits for my practice.   Derick Van Ness (35:03) It's a great question. So we actually set up a page just for Dental A Team listeners, right? So it's just, my company's called Big Life Financial. And we do that, it's not big money financial. Our goal is to help you get money out of the way so you can live the life you're here to live as a human, right? And really spend the family time and make the contributions and express yourself as you want to. But it's BigLifeFinancial.com/DAT. So if you go there, it's a research and development credits   opt in right for the page because I think that's the biggest win. But we will also do, if you would like, a full three year tax review for people. Anybody who wants to see, have I been overpaying? There's a million things we didn't touch on today because they're not part of the new tax bill. There are things that have been around for a long time. ⁓ But we can help you to get a good idea of have you been overpaying and what are the opportunities out there? ⁓ And so that's a great way to start. And then from there, if it seems like you want to   Kiera Dent (35:46) Mm-hmm.   Derick Van Ness (36:03) find out more, you have questions or things come up, but that's a good starting point, right? It's like a diagnostic that gives us a good place to start from. So BigLifeFinancial.com/DAT will set up a free call. It should only take maybe 15, 20 minutes at first just to answer any question. That's great.   Kiera Dent (36:19) 15 or more could save you.   It really fills up, it's true. It's true. Daria, I do have a question though, because people get creeped out by taxes. How often do doing this and looking back at past taxes alert audits within the IRS? Because people creep out about this.   Derick Van Ness (36:37) So doing it,   so the R &D credits, especially this because they literally passed a law and said, yes, you can go back and do it. So there's going to be a ton of people doing it. So I don't think it's going to be any type of audit unless you really weren't doing research, right? But that's what the interview is for, is to help us to identify it. And our team will essentially tell you what does and doesn't qualify. But there's no risk to it, especially because they're saying, hey, yeah, you can go back and do this. You could.   I mean, you could have claimed it before, but nobody did. So it's not going to stand out. also, even in the past, when we've done this for people prior to that law change, I think out of 16,000 filings, there's been like maybe 12 or 15 audits. It's lower. It's even lower than a typical audit range. And I don't know how that's even really possible, but it's just been very low. It's not something the IRS is really worried about. It's not huge amounts of money.   Kiera Dent (37:10) Mm-hmm.   Derick Van Ness (37:35) You know, some of these other strategies care that you're aware of. people are getting 50, 100,000, $200,000 tax breaks and those are much more highly scrutinized. You really doing this work, which dentists do, uh, and based on your industry, I don't think they're really going to bat an eye. It doesn't mean there's a zero chance, but it's very, very low. Just like if you had a piece of equipment, forgot to depreciate it. Now you went back and amended to do that. It's that straightforward. It's a permanent part of the tax code. It's not gray area stuff.   Kiera Dent (37:42) Right.   which is super helpful. And that's just where I wanted to clarify because I know people get kind of weird of like, yeah, I want to save on my taxes, but I'd rather not get audited. And so I think this is a world where you can be both. You can save on taxes legally, just like the Augustus rule. Like that is something very common. People do it if you don't know about it, talk to your CP about it, ⁓ your kids having real jobs. So I feel like it's something where, like you said, it's not talked about as much, but that does not mean that it is not as commonplace or that you shouldn't bonus appreciation on real estate, on big equipment.   Derick Van Ness (38:10) Yeah.   Kiera Dent (38:36) These are things that I also feel this is the time like a political landscape for you as a business owner to take advantage of tax benefits. The person who's in the White House currently, whatever you choose to believe or not believe is very pro businesses in a lot of ways. And so I'm like, if you're ever going to try it based on who's in office, ⁓ I think now is a great time ⁓ with how many things are coming forward for businesses and being more business. ⁓ I would just say   business friendly, I think is where the political landscape is currently. Again, not to go down a political path, just to be looking at like, if I'm hedging my bets, now is probably a really good time where odds of audits are probably a little bit lower than maybe at other times of the political landscape. So just things to think about. Derick, I love these podcasts. I love building wealth. So guys go to BigLifeFinancial.com/DAT, so Dental A Team. So it's just DAT our initials.   Derick Van Ness (39:15) Yeah.   Kiera Dent (39:32) And Derick will take great care of you. Derick, any last thoughts as we wrap up today? I appreciate you so much being on here.   Derick Van Ness (39:38) No, just think, you know, dentists work really, really hard and I feel like a lot of them don't get the fruits of their labor because there's a lot of these little things that they haven't been taught. And I think all the little things do add up. So, you know, this is one of those things that if you choose to just take it on, figure it out in a year or two, you'll be way ahead of the game and you get to benefit from that basically forever. Right? lot of this stuff, once you figure it out one time, you can just ride.   80%, 90 % on autopilot. So if you've been afraid of it, would say it's climb over that hill, whether it's with us or someone else, it is really worth it. You guys work too hard, take too many risks, deal with too much headache to not get the full amount of the money that you really deserve to keep. So yeah.   Kiera Dent (40:23) I agree.   That's why Derick gets to be on the podcast because we're very aligned. I've always said I want dentists to be insanely wealthy, insanely. I see what you go through in school. mean, 2.5 million debt ⁓ to even get the opportunity to practice. ⁓ That's really where I was on a very strong mission to help dentists just like Derick to be as successful as you want to be. And there's little strategies like what we talked about that are big strategies. So take advantage, get over the hump.   Chat with Derick or your financial advisor or your CPA. But these things, I think, need to be part of your every single year conversations. They need to be talked about multiple times. You need to be asking what's been changing in the tax bill, keeping yourself a part of it. Very simple moves, big gains this year. Derick, as always, thanks for being a part of it. I really appreciate you. And for all of you listening, thank you for listening, and I'll catch you next time on the Dental A Team Podcast.

    Who Knew In The Moment?
    Socrates Rosenfeld, CEO + Co-Founder, Jane Technologies Inc.

    Who Knew In The Moment?

    Play Episode Listen Later Aug 12, 2025 48:07


    Socrates Rosenfeld is the CEO and Co-Founder of Jane Technologies, a leading technology company for the cannabis industry. A visionary entrepreneur, combat veteran, and MIT graduate, Soc and his team have revolutionized cannabis commerce by creating a trusted platform that serves thousands of dispensaries and brands across 39 U.S. states. Jane powers the majority of all legal cannabis transactions in the U.S.After leaving active duty in 2011 as a U.S. Army veteran and Apache helicopter commander, Soc turned to cannabis to help him re-acclimate to civilian life. Living in Massachusetts, where cannabis was illegal at the time, he faced challenges navigating the black market. Frustrated and motivated to improve access for veterans, Soc co-founded Jane with his brother Abraham to create a transparent platform for cannabis consumers. Prior to launching Jane, Soc earned an MBA from MIT Sloan and worked at McKinsey & Company, gaining strategic business expertise.Since launching in 2017, Jane has become the cannabis industry's leading digital provider, offering solutions like ecommerce, AI, market analytics, payments, advertising, POS, and a consumer-facing app. Its Universal Product Catalog ensures consistent inventory across thousands of retailers, while the AI-powered MyHigh engine personalizes the shopping experience. Jane Gold, a brand-sponsored rewards program, deepens consumer engagement and highlights personalized product recommendations. With 13 software patents, Jane continues to set the standard for innovation in cannabis retail.Soc and his team at Jane have been recognized with multiple distinctions including Forbes' America's Best Startup Employers (2022, 2023, 2024 & 2025), Forbes' The Cannabis 42.0 (2024), Inc. 5000's Fastest-Growing Companies (2023), Inc. Power Player (2023), Inc.'s Best Workplaces (2023), and Deloitte's Technology Fast 500 (2022), in addition to participating on panels at SXSW and MJBizCon. To View This Episode- https://youtu.be/q73Owow14f8#whoknewinthemoment #podcast #philfriedrich #Janetechnologies

    The Dentalpreneur Podcast w/ Dr. Mark Costes
    2310: Outsourcing Smart Delegation and the Joy of Leadership

    The Dentalpreneur Podcast w/ Dr. Mark Costes

    Play Episode Listen Later Aug 12, 2025 27:08


    On today's episode, Dr. Mark Costes sits down at Thrive Live with Doug Fettig, CPA, MBA, and dental business advisor, for a deep and dynamic conversation on leadership, joy, and what it really means to run a successful dental practice. Doug brings energy and perspective to the challenges facing dentists today, from burnout and depression to poor delegation and leadership struggles.  They discuss why so many dentists are trapped in the “Eeyore” mindset, how to break free by embracing abundant thinking, and why hiring the right office manager can transform your business and your life. Doug explains why outsourcing everything but leadership and clinical work is essential, and how to avoid confusing abdication with effective delegation. If you've ever felt stuck in your practice or unsure of how to lead, this is a conversation you don't want to miss. Be sure to check out the full episode from the Dentalpreneur Podcast! EPISODE RESOURCES https://www.gradyhealth.org https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast

    Professional Christian Coaching Today
    How I Became a Coach with Jenn Nickel #445

    Professional Christian Coaching Today

    Play Episode Listen Later Aug 12, 2025 32:28


    What does it really take to become a professional coach?   In this episode, you'll hear the story of one coach who transitioned from a high-level corporate and nonprofit career into a thriving part-time coaching practice designed to fit her life and values. If you're wondering how to get started, how to build gradually without overwhelm, or how to align your coaching with your faith, this conversation offers clarity and practical guidance.   In this episode, you'll discover: A real-life example of how to transition into coaching from another profession Why starting slow can be a smart strategy for long-term success How to market your coaching services without pressure or expensive campaigns What makes professional training worth the investment How to build a sustainable business that supports your life, not the other way around   You'll walk away with encouragement, practical ideas, and renewed confidence for taking your next step in the coaching journey.   About Jenn Nickel, PCC Jenn Nickel is a PCC level life and leadership coach who began her training at PCCI in 2018 and joined the faculty this year. She's had her own coaching practice for 6 years where she partners with for-profit andnon-profit leaders to help them live and lead with intentionality.   Before she began coaching, she spent 13 years with a multi-national insurance company in roles ranging from product development to sales and marketing, working with Wall Street and institutional investors. During some of that time, she and her husband Mark lived in Dublin, Ireland for her job. Once her children were born, Jenn moved into a decade of non-profit work in her city where she held various board and staff roles and was chairperson of the board of a non-profit she helped start. Now she gets to utilize her experience in for-profit and non-profit as she coaches leaders in both of those worlds. Jenn did her undergraduate in Public Relations and Marketing at Western Kentucky University and obtained her MBA at Indiana University Southeast.   Connect with Jenn Nickel: jlnconsultants.com --- Start your journey to become a Professional Christian Life Coach!  Connect with an Academic Advisor: https://calendly.com/d/cqkt-5nf-5pw/connect-with-an-academic-advisor?utm_source=podcast Join the Facebook Group: www.facebook.com/groups/professionalchristiancoaching/ Our gift to you! 15+ Hours of FREE Training "The Ultimate Christian Coaching Bundle": https://professionalchristiancoaching.com/bundle PCCI Website: https://professionalchristiancoaching.com/ YouTube: https://www.youtube.com/@ChristianCoaching/videos

    The Doctor's Farmacy with Mark Hyman, M.D.
    Inside the New Era of Precision Medicine: Where AI and Human Insight Unite

    The Doctor's Farmacy with Mark Hyman, M.D.

    Play Episode Listen Later Aug 11, 2025 64:43


    Medicine stands at the threshold of a new era, where artificial intelligence and systems biology are working hand in hand to make care more personal, predictive, and precise than ever before. AI is already improving diagnostic accuracy, automating administrative tasks, and uncovering patterns in data—like retinal scans or genomics—that humans often miss. Rather than replacing doctors, AI enhances their ability to deliver more informed, precise, and efficient care. At the same time, individuals are gaining tools—from at-home diagnostics to wearable biosensors—that empower them to track and optimize their own health. This shift marks a move from reactive, disease-centered care to a proactive, data-driven model of scientific wellness. In this episode, I talk with Dr. Eric Topol, Dr. Nathan Price, Dr. Leroy Hood, Dr. Vijay Pande, and Daisy Wolf about how artificial intelligence, personalized data, and wearable technology are converging to radically transform medicine. Dr. Eric Topol is Executive Vice President of Scripps Research and founder/director of its Translational Institute, recognized as one of the top 10 most cited researchers in medicine with over 1,300 publications. A cardiologist and author of several bestselling books on the future of medicine, he leads major NIH grants in precision medicine and shares cutting-edge biomedical insights through his Ground Truths newsletter and podcast. Dr. Nathan Price is Chief Scientific Officer at Thorne HealthTech, author of The Age of Scientific Wellness, and a National Academy of Medicine Emerging Leader. He also serves on the Board on Life Sciences for the National Academies and is Affiliate Faculty in Bioengineering and Computer Science at the University of Washington. Dr. Leroy Hood is CEO and founder of Phenome Health, leading the Human Phenome Initiative to sequence and track the health of one million people over 10 years. A pioneer in systems biology and co-founder of 17 biotech companies, he is a recipient of the Lasker Prize, Kyoto Prize, and National Medal of Science. Dr. Vijay Pande is a General Partner at Andreessen Horowitz and founder of a16z Bio + Health, managing over $3 billion in life sciences and healthcare investments at the intersection of biology and AI. An Adjunct Professor at Stanford, he is known for his work in computational science, earning honors like the DeLano Prize and a Guinness World Record for Folding@Home. Daisy Wolf is an investing partner at Andreessen Horowitz, specializing in healthcare AI, consumer health, and healthcare-fintech innovation. She previously worked at Meta and in various startups, holds a JD from Yale Law, an MBA from Stanford, and a BA from Yale, and is based in New York City. This episode is brought to you by BIOptimizers. Head to bioptimizers.com/hyman and use code HYMAN10 to save 10%. Full-length episodes can be found here: Can AI Fix Our Health and Our Healthcare System? The Next Revolution In Medicine: Scientific Wellness, AI And Disease Reversal The Future of Healthcare: The Role of AI and Technology

    The Curbsiders Internal Medicine Podcast
    #494 C. diff, Diarrhea, the Microbiome, and New Therapies with Dr. Cynthia Sears. Live from Johns Hopkins Grand Rounds

    The Curbsiders Internal Medicine Podcast

    Play Episode Listen Later Aug 11, 2025 57:50


    Dominate C. diff! Learn to distinguish colonization from infection, select first-line therapies, and counsel patients on recurrence prevention and microbiome recovery. We're joined by IDSA past president and expert on foodborne and intestinal infections, Dr. Cindy Sears (Johns Hopkins University) for a comprehensive update on Clostridioides difficile (C. diff, Cdiff, CDAD, CDI). Claim CME for this episode at curbsiders.vcuhealth.org! Patreon | Episodes | Subscribe | Spotify | YouTube | Newsletter | Contact | Swag! | CME Show Segments 00:00 Intro 03:00 Guest bio and hobby 04:25 Case of Charles Fleur Fontaine 06:00 Risk factors and epidemiology 08:00 Antibiotic hierarchy of risk 10:00 Diagnosis, testing strategies 14:00 Defining severity 17:30 Treatment options 20:00 Microbiome recovery strategies 24:00 Probiotics and postbiotics 27:00 Infection control counseling 30:00 C. diff and colon cancer 32:00 Recurrent C. diff strategies 35:00 Why some FMT and bezlotoxumab were discontinued 38:00 Microbiota replacement therapies 43:00 Prophylaxis strategies 45:00 Future therapies and ongoing research 47:00 Audience Q&A 52:00 Outro Credits Written and Produced by: Matthew Watto, MD, FACP  Cover Art and Infographic by: Hosts: Matthew Watto MD, FACP; Paul Williams MD, FACP    Reviewer: Sai S Achi MD,MBA,FACP Showrunners: Matthew Watto MD, FACP; Paul Williams MD, FACP Technical Production: PodPaste Guest: Cynthia Sears MD Disclosures Dr. Sears reports no relevant financial disclosures. Dr. Williams financial relationships disclosed include a Merck grant or research support. This relationship has not ended. Sponsor: Mint Mobile  This year, skip breaking a sweat AND breaking the bank. Get this new customer offer and your 3-month Unlimited wireless plan for just 15 bucks a month at mintmobile.com/CURB  Sponsor: Panacea Financial Let Panacea Financial take the financial stress off your plate,so you can get back to doing what matters most. Visit panaceafinancial.com  Sponsor: FIGS Get15% off your first order at wearfigs.com with the code FIGSRX

    Early Retirement
    FAQs: Wills, Trusts, Power of Attorneys, and Other Estate Planning Tools (Part 2)

    Early Retirement

    Play Episode Listen Later Aug 11, 2025 13:34 Transcription Available


    Estate planning isn't fun to think about, but skipping it can cost loved ones time, stress, and money. In this week's episode, Ari breaks down the essentials so you can take action with confidence.Learn the key differences between wills and trusts, which states make trusts especially valuable, and why even residents of “will-friendly” states might still need one. Explore the “dead box” strategy, an annual practice that keeps important info like passwords and funeral wishes accessible if something happens.Get clarity on overlooked tools like POD (Payable on Death) and TOD (Transfer on Death) designations, plus the risks of outdated paperwork through real-life client examples.The episode also covers power of attorney, healthcare directives, and how HEMS provisions can protect assets for beneficiaries with special needs or unique situations.Estate planning is about more than documents—it's about creating peace of mind. Start now to give your family clarity when it matters most.Listen to Part 1: Here's When A Will Is Sufficient And Trust Isn't NecessaryCreate Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.