Podcast appearances and mentions of mike smith

Fred Heppner of Arizona Transitions is back for part 2 of his chat with Kiera! Life comes at you fast, and sometimes, it comes in the form of a surprise. Kiera and Fred talk about creating an exit strategy today for your departure from dentistry, as well as what the economics look like for moving on from a practice. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:01) Hello, Dental A Team listeners. This is Kiera and I am so excited for you to have part two of me and Fred Heppner going through associates, DSOs, how to really grow this. You guys, we had such an incredible first half of this episode. It was so long and so much information that I wanted to break it into two parts. So here's part two. I hope you enjoy. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.   Kiera Dent (00:24) should people be talking   when they're in their 20s 30s or is it something we're like start to think about it I know Ryan and I from Dentist advisors we we talk shop about this quite often of like there I mean there are studies that show that when you retire you actually start to atrophy in life and ⁓ there isn't as much of a purpose and so we talk often of like how can we continue that   mental stamina, the things that are going to fulfill us, whether it's working or something else of philanthropy, like whatever is going to keep you going as a human, whether you're working in the chair or you're not, I think is important. So that's I was curious of like, really probably connecting with you three to five years before we think we might retire, but with the caveat of, hey, if something were to happen to me, what would kind of be my exit strategy? your like death list like I do, like if I die, this is what's going to happen. It's creepy, but it's awesome.   Fred Heppner (01:15) No, it's, it's creepy and it is awesome. And at the same time, it's a really good conversation to have because if we're three to five years out, then one of the first things to do is say, okay, so what's going to happen if you're not here? And that carries on to the discussion we had earlier. So once the discussion about, what do want to do when you, when you retire or you stop practicing dentistry, then the questions start coming up. What about the economics?   Kiera Dent (01:27) Mm-hmm.   Fred Heppner (01:44) So in any... Yep, absolutely.   Kiera Dent (01:44) I was just going to say, like, is it sell? Is it DSO? it? And also, I mean, this   to me also, I think might exponentially accelerate some people's plans because the DSOs are hot and it's like 10x EBITDA. That might accelerate your retirement or your sell because you're on a wave right now that who knows if in the next 20, 30, 40 years we'll be there. Fred, I'm super curious, like, how is this whole DSO model maybe shifting it for transitions? Or is it? I'm curious.   Fred Heppner (02:13) It is, it's shifted quite a bit, but what it's shifted is a real desire for dentists to be able to sell their businesses and release the management responsibility and to have somebody else take that over. 15, 20. Yeah. I just want to do, I just want to do dentistry. I don't want to manage a business. I don't want to manage people. Um, I don't want to run the company. I want to be able to practice my trade. Well,   Kiera Dent (02:22) you   The dream for every business owner. ⁓   Exactly.   Fred Heppner (02:43) I can tell you that in the last 15, 20 years, it's certainly exploded in dentistry and not in a bad way. And here's why. Dentists graduating from dental school today need a place to work. The banks that loan money to dentists to buy dental practices are looking for dentists that have a couple years experience in dentistry. They have a production track record. The banks can see what it is that the dentist can do. Chair aside.   a good credit score and some liquidity, usually 8 to 10 % of the purchase price of the business that they're looking at in cash. So one of the things to consider is graduating dentists should be able to make the minimum payments on their debt, on their student loans, on what debt they have, and begin to put money away as quickly as possible to gain some liquidity. So as we look at the equation of   what DSOs are doing, they're providing them with a place to work. Because as dentists come out, I mean, the majority of dental practices that I work with, maybe you can echo this or discuss it, are just single dentist practices. Right, they don't have a, somebody called it a plus one at some point time, and I thought, okay, that's decent. So you have the dentistry, but there's the ability to bring somebody on maybe one or two days a week. Well, that doesn't,   Kiera Dent (03:44) Mm-hmm.   Totally same.   Mm-hmm.   Fred Heppner (04:09) That doesn't feed a hungry young dentist coming out of dental school who really has a lot of debt and wants to begin to work and develop a way to reduce that debt. They're looking for four days a week, five. They might have a quality of life thing where they just want to work three tens and be off Friday, Saturday, Sunday, Monday. That's okay. But the point is, is that most private practices don't have the capacity to be able to bring on a full-time dentist and feed them right away and keep them very busy. The DSOs, corporate dentistry,   Kiera Dent (04:19) Right.   Fred Heppner (04:39) have offices that can provide that place. So essentially, if a dentist comes out of school and begins to work, they may very well work for one of the corporate DSOs, which gives them experience. It gives them the ability to work five days a week. It gives them the ability to practice in what I call civilian dentistry out of dental school. And it gives them the opportunity to be able to see what it's really like. I can tell you, Kiera, that 15, I think 15 years ago,   Kiera Dent (04:57) Mm-hmm.   Fred Heppner (05:08) the most popular phone call I would get on my phone line was, hey, we just got 50 million from a private equity firm. We're starting a DSO, but we're different. And we want to buy practices from you because we heard you're good. And I just tell them, great, thanks very much. Get in line, register on my website. And when an opportunity comes up, I will email to you like I do everybody else the opportunity. Because most of my clients call and say, I...   Kiera Dent (05:17) you   Fred Heppner (05:34) Hard no to a DSO. I'm a private practitioner. I've got a legacy practice and I want to sell to another private dentist Okay, so that was the most popular second most popular call was I'm sick of working for a company find me a practice to buy Now it's shifted More so do I hear I'm sick of working for somebody else find me a private practice to buy I'm ready to go The the DSO calls have filtered off of it and I don't know that that's a global   Kiera Dent (05:48) Mm-hmm. ⁓   Mm-hmm.   Fred Heppner (06:03) representation of the DSOs starting to slow their buying and really focus on the profitability of the offices they have to really maintain the profitability due to higher interest rates. Maybe they're slowing down their buying. Who knows? The interesting thing about it is that it's somewhat of a closed loop in DSO work. You really can't get into and find out exactly what everybody is doing unless you're member of their organizations, which is fine. And I respect that.   Kiera Dent (06:12) Yeah.   Fred Heppner (06:32) private information, but it begs the question. And ultimately, if a dentist is looking to buy their own practice, eventually they're going to need those one to two years experience, liquidity, good credit score, in order for them to go to one of the commercial banks and say, I want to buy a practice and let me get a practice to buy and then we'll put it together. Okay? So I can tell you that private practice is alive and well.   Kiera Dent (06:55) Mm-hmm.   Fred Heppner (07:02) very bullish on the individual dentist who's out there still practicing and doing quite well. I can also tell you that those kinds of doctor to doctor transitions are extremely successful. The idea is some people who look at a transition like that would think, my gosh, the dentist leaves, all the patients will leave. They'll go somewhere else, they'll go to other practices. Well, if that was true, let's carry that forward. If that was true,   Kiera Dent (07:14) Mm-hmm.   No.   Fred Heppner (07:28) then that would mean that the loans that the dentist used to buy the practice would go in default, would they not? Because if all the patients left, there would be no revenue and they'd have to fold up camp and see you later, right? The default rate on dental practice loans still over the last 15, 20 years and even recently is 40 basis points. 100 basis points is 1%. 40 basis points is four tenths of 1%. So if you follow the math,   Kiera Dent (07:33) Mm-hmm.   Mm-hmm.   Fred Heppner (07:58) The default rate is less than half of 1 % on the billions of dollars that are loaned by banks for dentists to buy practices. They don't fail. Okay.   Kiera Dent (08:08) Totally. They don't and they're such a   good investment. I think that that's why so many people like, that's why I think DSOs are buying up practices. ⁓ And I think that that's where so many private practice owners now, I would say I've watched where it used to be legacy practices and there's still legacy practice doctors who do not want to sell to a DSO. Like when they're there, they want to sell doctor to doctor, they want to bring in an associate, they want to bring in partners. I think   By default, dentistry tends to be a more humanistic, ⁓ very relationship model ⁓ versus I still think though, right now DSOs, you're right. I don't think people are getting as many calls. ⁓ But what I will say is my doctors are probably getting 20 to 30 emails every month from a DSO interested in buying their practice. So they are getting it as private practice owners. And so I think that that's where, ⁓ like I said, some people within the last eight years bought a practice as a private practice.   the DSOs, they were profitable. were within the metrics that the DSO wanted. And it just made sense. was like, I'm going to get 10x EBITDA on this. My EBITDA is great. No private party is going to pay me what this DSO is going to pay me. And while yes, I'd love it to maintain a legacy practice, I'm in my 30s and I could basically have retirement today. mean, there's more risk selling out because they have a lot of it in their stocks and there's a whole ⁓ game around that.   I think that that's where maybe some of the younger generation might be looking at transitions sooner than I think the more senior population of dentistry is. think that they're starting to be the shift and that's where I'm very curious of like, maybe conversations need to be had sooner. Maybe because DSOs are aggressive on the emails to the dentist. Like it is wild and they are sexy offers to them that are not always true. And that creeps me out too, because they're hearing a number. Like I had a doctor and he had a DSO.   Fred Heppner (09:49) Yep. Yep.   Kiera Dent (10:04) come to him and they said, Hey, we're going to give you 5 million. And he's like, here, it seems like a great deal. And I said, yeah, but you're going to do 5 million next year just in your own production. So that's actually a bad deal because you're already going to make that without selling to them and having to work for them for the next five to 10 years or like three to five is usually what their requirement is. So again, I think that this is where it's like, how do we cut through that noise to know when I do transition? Because I think people are getting asked to transition from private practice.   sooner. You're right, they go work at the DSO, they go to some of those bigger corporate practices to get the experience, then they go buy their private practice, and then it really is, or they do a startup. And then it's pretty aggressive because I think Wall Street's pretty hot right now and private equity is very, very luring, but they do have to hit certain requirements to join DSOs.   Fred Heppner (10:53) Yeah. There are tons of verticals that people are getting into, the private equity is getting into, you're right. There's a ton of money at it. You know, I would tell you that the devil is in the details. It may very well be that there are transitions that occur where a DSO or a corporation acquires the assets of a private practice and the dentist stays and works back in the office. And that transition works swimmingly well for the dentist who sells for the DSO.   Kiera Dent (11:02) Mm-hmm.   Fred Heppner (11:21) And ultimately everything works out fine. There are others that don't and they're, they're out there. And I think what you mentioned earlier is, you know, I could get 5 million from my practice. Well, why would you, you will be able to make that in, your earnings in 2.3 years, whatever it might be, whatever the math pencils that be. But if you think about it, if it, if 10 times EBITDA is their offering price, what are, what are the details? How much cash at closing?   Kiera Dent (11:38) Right.   Mm-hmm.   Fred Heppner (11:49) Is there a work back or a work back arrangement where you will be paid to be the dentist? And what is your compensation? What are the benefits that you would receive? And what is the term of that work back arrangement? You're right. It's creeping up now more into five years. 15, 20 years ago, was maybe, you know, stay on one or two years and we're good. There's a claw back. There's a hold back provision that holds back part of the purchase price. And the dentist has to meet the   Kiera Dent (12:04) Mm-hmm.   Yeah.   Fred Heppner (12:17) has to meet certain metrics from the trailing 12 months to be able to get that back. Well, let's pretend. Let's pretend that the DSO comes in and sets up the practice and nothing changes and the business continues to grow and develop because there's more marketing promotion and advertising. There's better cost control. There's just better stuff going on and that works. Well, what if it doesn't? What if all of a sudden the company comes in and says, we're changing these policies?   You were Delta Dental Premier, we're jumping into PPOs because we've got really good reimbursement rates on these 12 PPO contracts. Well, if that reimbursement rate drops from fee for service, does that hinder the doctor to be able to generate the income necessary for that hold back to be acquired in the next two to three years? And then there's equity. You mentioned that they offer a stock in the company to be able to ultimately participate in a   Kiera Dent (13:09) Mm-hmm.   Fred Heppner (13:15) recapitalization should that happen? Well, it'd be really interesting. You're going to love this one. I know you're going to love this one. So for any of your listeners, any of your A-Team clients, if they get approached by a DSO and they look at it and they think it's really, really good, have somebody look at it. What you will hear typically is you really don't need an advisor. You don't need an attorney. We've got all the contracts ready to go. You can come.   Kiera Dent (13:35) Mm-hmm.   Lies. Lies.   Fred Heppner (13:44) Exactly. You can just take all of this and we'll be good. Well, trust but verify. And ultimately a good team would be able to review these. I would be glad to review. I review paperwork all the time from dentists that are looking to transition. And if there's an equity piece in that offer, I turn around and contact the DSO on behalf of the client. And I say, we'd like to see your financials.   Kiera Dent (14:08) Absolutely.   Fred Heppner (14:11) What do you mean? Well, you're asking my client to acquire stock in your company in lieu of cash at closing. yeah, that's part of the deal. I need to see your financials. I need to advise my client on whether or not you have a healthy company and whether or not my client's going to be at risk by taking stock in your company. Well, nobody's ever asked us that. Well, I am. And doesn't it make sense? We've just provided to you tax returns, profit and loss statements, but sing along if you know the words, balance sheets, W-2, production reports, everything on the business.   Kiera Dent (14:21) Yeah.   things.   Mm-hmm.   Fred Heppner (14:39) And yet you're not willing to provide the other. Just provide the other. Show us that your business is solvent. Show it that it is something that my client would like to receive in stock. So, mon bro.   Kiera Dent (14:50) And there's strategy   for tax around that too. there are benefits to having stock rather than all the cash at closing for your total dollar amount when you want to retire, but only if that stock actually is valuable.   Fred Heppner (15:05) Pays back. Correct. Good. And that   is so brilliant. You see, you're good looking, you're smart, and that's a rare combination today. So, so, but think about it. You just mentioned something that people really don't think. If, if I have a practice and they give me 1.5 million chopped up into the ways that we've mentioned, and I have $200,000 worth of equity in the company, what if that $200,000 is half of 1 %? Well, when they recapitalize, I get half of 1 % of what proceeds, right?   Kiera Dent (15:09) Thank you.   Mm-hmm.   I love it. It's such a...   Fred Heppner (15:35) So map it out. Yeah, map it out. mean, can   you sell your practice twice? sometimes yes, sometimes no.   Kiera Dent (15:43) And there's so many sticky pieces around it. And that's where I feel like it's just a, think this is where people get leery to do it. However, I think like there are some, you said, that go really, really well, but agreed. And when I look at this people like Kiera, like I thought about that doctor and I was like, so sweet. You're going to five mil. That's your 10 X. You're going to produce 5 million. Your overhead right now is sitting at a 50 % overhead. So right now you're taking 2.5. Let's say you do get a $5 million check.   you give me 10 taxes, it's barely over your 2.5, which you're already going to get next year. So like, yes, next year, you still have to pay taxes because you're at a 50 % overhead. So you will still get a small amount more of cash to you. But there's a lot of strategy that goes into that 2.5, pending upon what you need when you invest that, like for every million, it's about like on average, if it's in the stock market, about 35,000 right now is like a very, very, very loose number to like estimate your financial future. But I'm like,   you throw 2.5 into the stock market right now, we'll high five, you're making about 100K a year. Like that's just to me, those are the things that I feel you need to be really smart about to make sure that your practices are assets and not liabilities and something that really will provide the retirement for the work you've put in rather than it just feeling good in the moment, but not really giving the life you want.   Fred Heppner (16:59) You know, excellent point. And what you also said earlier, just in passing was, what dentists could buy my practice. can't sell to a private dentist. I've got to sell to a DSO. ⁓ surprise, surprise. That's a myth. There are dentists who would, I can tell you right now, if you could give me your client's number, I'll buy her practice. Well, yeah, well, I mean, that's gonna, that's gonna pencil. So the, the point that I would make is know that   Kiera Dent (17:12) It is a myth.   Right? I know, me too. I'm like, actually, actually I would.   Fred Heppner (17:29) Dentists that are out there who are looking to buy really profitable practices and can meet the production goals. So there's an important aspect there. Your client's doing two and a half million in profit, five million in productivity on her own. If a person coming in to buy that won't be able to quite meet those production numbers, they may hire the client back for a year or two. The bank may want them to make sure that there's some kind of arrangement where they have some help.   But if a bank is looking at a practice that has that kind of liquidity and profitability, they'll gladly loan the money to the dentist if other measures are there because they know it's going to be paid back. So I want to dispel the myth that big practices with large productivity and big profitability are excluded from private practitioners being able to buy them. It's not true. Is it? Yeah.   Kiera Dent (18:10) Mm-hmm.   I agree. They get nervous because of the debt,   but I have somebody that I know that just bought into a $2.5 million is how much they had to bring to the table. Plus they have their student loan debt, plus they have their house debt and they were able to do it to buy into a practice. so I'm like, I think let's not assume that that's the only route. think figure out what you want and there is a buyer based on the outcome you want. I think Fred, I want to switch gears because I want to ask some questions about associates.   because I think we've kind of gone through like private practice. There's so many things like make sure you're taken care of, make sure you know where you're going. But now I want to switch gears because I think this is something I get asked all the time. And so selfishly again, welcome to curious therapy with Fred. I want to know all the pieces. This is my podcast that you get to be a part of. No, it's for all of you. ⁓ we get asked often, how do you set up a great associate buy-in? So like, how do I buy these people and how do I tether them in? I think one of the greatest, I would say   Fred Heppner (19:06) I'm listening.   Kiera Dent (19:19) stressors and like blind spots in practices and the thing that can really hurt a practice is when they have an associate that associate leaving. ⁓ And so they want to like golden handcuff these associates, but they want it to be good for both parties. What are some of those associate transitions to retain associates to get them in as partners? Is it a good idea? Is it not a good idea? And I think like we can wrap on this because I, I'm super curious of like what you recommend to help with that transition.   Fred Heppner (19:45) The   capacity for the business volume has to be there. You've got to have, not only are you working, but there's this phantom practice out there that you can't get to as the provider. And you need somebody to be able to get to that. So bringing on an associate to get to that phantom practice immediately creates incremental income, which is, to the owner of the business, very liquid.   Kiera Dent (20:03) Mm-hmm.   Fred Heppner (20:07) The cost associated with treating extra people during the course of the day is the associate's compensation and variable cost supplies in lab. And if you're ⁓ providing can-to-can technology and your lab costs are very low, but you're producing crowns in a day, for example, and using that kind of technology, then the cost associated with treating every incremental patient and creating that revenue is very low.   we're suggesting that the team in place can handle the extra work. We don't have to hire an extra assistant or hire an extra administrative person. So given those things.   ⁓ One of the best transition plans, in my opinion, is one that has time built into it. The associate has to develop some traction. They have to generate some productivity. They have to show that they can produce the numbers. But more importantly, the outcomes are good. The treatment outcomes are successful. The patients are adapting to them. The team connects with them. This is a good relationship. As an aside, really quick, when you mention relationship business in dentistry,   I think DSOs traditionally are a transactional business. They're really focusing on the transaction, right? Private practice focuses on the relationship. Not to say that corporate dentistry doesn't focus on relationships. They're focused more so on the transactions. I might get ridiculed for that statement, but that's what I see. And that's my opinion.   Kiera Dent (21:19) I would agree.   Sure,   sure.   Fred Heppner (21:36) So back to the associate, need the associate to develop some traction. And essentially that traction comes from being in the office, seeing patients, working with the team, and ultimately getting feedback along the way. And I think that's a one to two year cycle. Will you know as a practitioner and owner of the business within the first one or two months, if the associate is working two or three days a week or four days a week, will you know, do they get along with the patients? Do they get along with the team? Yes. Will you know about treatment outcomes?   Kiera Dent (21:40) Mm-hmm.   Fred Heppner (22:05) To some degree, yes. So early on, you'll know if this is cut bait, this is not going to work. Or yes, this person's fitting in great, primarily because they were vetted. So quick, quick retract back to how do you hire them? Go through a long process of vetting. Don't just take the first one that appears. Get to know them, make sure they're going to integrate well. I see a lot of associate plans.   work real well when the dentist knows the dentist owner knows the associate coming on board from some past experience. Great example is the dentist associate grew up in town, did an internship kind of in the office as a sterilization tech, kind of worked in the office, found out that dentistry was their passion, went to college for undergrad, went to dental school for dental degree and came back to the town to work for that dentist. Right. Okay, good. So somebody you know, ⁓   Kiera Dent (22:38) Mm-hmm.   Totally.   Fred Heppner (23:00) son of doctor, owner's best friend. So there's history there. You know, the quality of the individual. Okay. So once traction is developed during the part of that associate agreement, there's some discussion about ownership and building an understanding of how the practice works so that when time comes to be a partner and buy in, there's already some traction. There's already some traction so that if the person elects to buy the seller out,   in a couple years, then they can switch roles. But there has to be some traction. One of the things that's really perilous is thinking about jumping into a practice and being a partner right away. If you want to practice and you do two million a year, hygiene does 500, you do 1.5. I'm going to come in and I want to be a partner of yours today because I've heard how great your practice is. And you have the physical plant capacity, you have the patient capacity, and I can step right in.   If I pay you half of the value of your practice today to buy in, we can split up the medicine and supplies and drugs. can split up the equipment. We can split up the office equipment. ⁓ we can split up all the operatories, but how do we sort out the patients? Because come Monday morning, say we close tomorrow, Friday, come Monday morning, I need to have in my schedule, the ability to generate half of the revenue in the business so that I can pay myself and I can pay.   to having bought in. that make sense? And that doesn't really happen easily when somebody just freshly wants to buy in as a partner. So fast forwarding to partnerships, which I hope we get a chance to talk a little bit about today, that associate has to be in that process, in that business for a period of time. And that traction needs to get up so that they've got productivity under their belt. And again, going back to what we talked about about banks,   Kiera Dent (24:32) Mm-hmm. Mm-hmm.   I agree.   Fred Heppner (24:59) they wanna see that that productivity is there, that they'll be able to generate it because they wanna make sure that they get the loan paid for. And a really good associate agreement has, in my opinion, good restrictive covenants, not to compete, not to solicit patients or staff. ⁓ In some states, that's not allowed. The FTC voted that associate agreements or employment agreements should not have restrictive covenants, but there's no legislation yet that has actually mandated that.   Kiera Dent (25:05) Totally.   Fred Heppner (25:26) So keep in mind that it's probably not appropriate to think that you'll be able to limit somebody's ability to work. Now for them to essentially buy your practice, for example, and you as a, agreement have a restrictive covenant that you will agree to that's different because somebody paid you good and valuable consideration money for you not to compete against them because they bought your business in an employment agreement. It's a little different.   Kiera Dent (25:49) Mm-hmm.   Great.   Fred Heppner (25:56) So if a dentist comes and works for another dentist who owns the business, and after a couple of months, it's just not gonna work out, they're not gonna have enough connection with the patient base to solicit patients or solicit staff or the team. They won't. So would it matter if there was a restrictive covenant in that initial agreement? Probably not.   because after a couple months, if they've alienated patients and alienated staff and they're not very good at dentistry, you want them out of there anyway, forget about the restrictive covenant, they could go work for somebody else close by. It's probably the same thing that'll happen.   Kiera Dent (26:36) I think it's really wise because I think so many offices hire an associate, but they're so scared to move them along in two months. I think that was wise advice you listed. It is so much easier to move them on in two months than it is to keep them for six months, eight months, 10 months, and then realize their dentistry or their team connection or their patient connections not there. so ⁓ it's, it's be very intentional within those first 90 days and make sure that this will be a long-term fit. ⁓ You can see it in two months.   Fred Heppner (27:01) So how does this,   you can, I'm sure you can. How does this sound? For the first six months of an associate agreement, maybe you don't have quite a good background, deep background about that individual, but you feel that they would be good in the practice. They come recommended by their instructors at university, at dental school. was highly, someone was highly recommended. How about a single page,   six month agreement that says you come to work for me, I will pay you this. And if you want to go, you can go. If I feel you need to go, I'm going to release you. It's an at will agreement, no restrictive covenants, nothing in it that locks anybody down. Because again, what I mentioned earlier is how much traction can you generate really in one or two, three, four months, because you'll know after four or five months that this is somebody really want to lock in at six months, develop a really strong, well-written attorney reviewed.   employment agreement that has restrictive covenants that has specific on how to redo cases in case they need to be done at the end of the employment agreement. Right. What do you think? I mean, does that give that give the opportunity?   Kiera Dent (28:08) Sure.   I think,   I mean, I like it. think that the devil's advocate in me would say, I'm not sure that the ⁓   millennial Gen Z generation coming through would say yes to six months. I think that they're looking for more security. They're looking for more guarantees. They come in with a lot more debt and a lot more risk that I am really curious. As a business, I think it's freaking brilliant. As on the other side, I'm curious, would you be able to get candidates that would want to come or is it too risky of an offer?   Fred Heppner (28:43) You mean,   yeah, do you mean the associate dentist coming on board is thinking more about themselves rather than the practice?   Kiera Dent (28:52) I think with the associate offers that are given currently, ⁓ I think agreed. It does show that they're thinking about it, but I also feel for a practice making sure that they're competitive with offers. I don't love having to be ⁓ like with hygienists. I don't want to have to go chase them, but you have to at least be competitive with other people in the market. So I think I agree with you. I just feel for practices making sure that maybe   Fred Heppner (29:05) ⁓   I understand what you're saying.   Kiera Dent (29:19) you are so competitive with other people and offer. So you do get the candidates, but you can have some of these ideas within like that I think would make you even maybe more attractive. So maybe it's a year that we're offering, but like, Hey, in the first six months, there's no restriction. There's no nothing. We add that in in six months. So that way you are competitive with other people. Cause I think associates, they need that security and I'm watching more and more come through. I mean, they're walking out with one mil plus 2 million in debt. Like, so I think that   I think to be competitive with others, might need to be a possibly. This is my hallucination that could possibly just make sure you're competitive.   Fred Heppner (29:53) Well, well, no, you're   so you're right on you're in a you're in another section of what the employment agreement might look like called compensation and benefits. I'm looking at just the period of time that you would be that a dentist would be employed in the practice to determine if it's a right fit for them and if it's a right fit for the practice and if it's a right fit for the patients and the team. Compensation can say exactly what you were saying. Now,   Kiera Dent (30:16) Right.   Fred Heppner (30:22) Unfortunately, it isn't the responsibility of the practice to provide for somebody who is unproven in their debt or to satisfy their lifestyle requirements. Yes, they're competing with other organizations that are offering salary, health insurance, vision, life insurance policies, all of those benefits that come along with big corporations. However,   It's a private practice. And the sooner I think that dentists who are coming on as associates know the intricacies and the difficulties of running a business and also the rewards that come with it, they would understand better how those arrangements are made. And I've seen compensation programs set up where it's the greater of over two weeks, a compensation per day or a percentage of a certain amount over a certain amount of productivity. So you can meet those requirements. can kind of meet.   Kiera Dent (31:15) Mm-hmm.   Fred Heppner (31:16) Kind of need halfway in between.   Kiera Dent (31:18) Yeah, and I think that that's where I was saying of I feel like making sure that you're meeting in the middle. I love the idea of being able to protect like, you're right, like not being stuck in this with someone who's not working out and getting stuck, I think is actually something that happens all the time with associates. ⁓ And so I think like, Fred, it was such a fun like,   chat about us. I agree, we need to chat more partnerships because now it's like, okay, we've got these associates, we've got some ideas on it. We've heard about figuring out where we want to go and how we're going to be able to get there and needing to think about our future life and how when we need to transition, you said the three to five years, I think looking for like, what do need to do to be able to buy a practice? If I want to buy a practice, what do need to get? Then we talked about like the DSO offers coming for private practices, and how to assess that through Fred.   And then we moved into associates. So Fred, like that was such a like smorgasbord of topics, which I love. And I think definitely reconnecting because I think there's the next step is like, how do we bring in these associates for partners if we want them? How can we build a legacy practice? That's not necessarily just the DSO. So I'd love to get you back on the podcast and chat partnerships and like alternative transitions beyond, but gosh, Fred, such a fun podcast today.   Fred Heppner (32:10) It was fun.   I am   happy to do it anytime. I appreciate what you do for dentistry. So I'll absolutely support you and be glad to do it.   Kiera Dent (32:36) Thank you. Well, Fred, as we wrap up today, were there any last thoughts you had to give to the listeners? And of course, ArizonaTransitions.com, ArizonaTransitions.gmail. If you're looking to transition or associates or what do I do or hey, Fred, I just need help. But any last thoughts you have as we wrap up today?   Fred Heppner (32:52) Yeah, I think   I tell you a funny quip that I think resonates with most people that I talk to. Dentists are excellent at curing dental disease, at diagnosing conditions and recommending treatments and working with patients to get them well. And, ⁓ coming into an event like purchasing a practice or selling a practice where they've never done it before. They don't have the experience or the education.   going in to understand what to do. I would encourage them to get advice and guidance from a great team. ⁓ I have a deal with my dentist. Mike Smith is brilliant. He has a practice called the biting edge here in Phoenix and he's brilliant. And he and I have an agreement. I don't do my own dentistry.   And he doesn't do his own practice transition stuff or practice management stuff. He relies on me to do that because they're in the middle. meet. So I want him to cure my dental conditions and make sure I'm in the optimum dental health that I could be. And I'm to make sure that I provide the services to him so that if he's looking to acquire a practice or merge an office into his, or figure out how the next plan would be for his practice growth or his transition, that he's going to sit down with me because he understands that that's my expertise and he.   he benefits from.   Kiera Dent (34:15) Yeah, I love that. That's such a good way to look at it. Let's sit in our lanes. Let's do what we're really good at and not try to be a one-stop shop. I think that that's brilliant, Fred. And I feel like for all those looking for the transitions for what do we do? How can I do it? Reach out, Fred. I think you're a wealth of knowledge. You've been in it for a long time and just truly so grateful to have you on the podcast today.   Fred Heppner (34:36) It's my pleasure. Absolutely. Have a great day. Talk to you soon. Bye here.   Kiera Dent (34:39) Awesome. Thank you. And thank you,   Fred. Thank you, all of you. And for all of you listening, thanks for listening. And I'll catch you next time on the Dental A Team Podcast.  

In this special episode, Mike Smith of The Brokerage Inc. leads a timely and insightful panel discussion from the FMO Summit, joined by two distinguished guests: John Greene, Founder & Principal of Tri-Branch Resolution LLC, and Nick Uehlecke, Principal at Todd Strategy Group. Together, they unpack the latest legislative and regulatory developments surrounding the Centers for Medicare & Medicaid Services (CMS). Listeners will gain insider perspectives on key policy shifts, implications for FMOs and agents, and what to expect in the evolving healthcare landscape. With their deep experience in government affairs and healthcare strategy, Greene and Uehlecke shed light on how these changes might shape the future of Medicare marketing, compliance standards, and the overall regulatory environment. This episode is a must-listen for professionals navigating the complexities of healthcare legislation and those looking to stay ahead of CMS updates. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

Think your doctor knows best? Or that your favorite influencer has all the answers? Think again. Dr. Mike Smith sits down with Dr. E to reveal how medical training, fast-paced care, and online wellness myths are all part of the same problem—and what to do instead.

An episode from The Holistic Navigator. This is not to diagnosis or treat any disease/illness. Consult your physician before taking supplements or medications OR before you stop taking medications. This is for entertainment/informational purposes only! Infections, whether they're viral or bacterial, are an unfortunate part of all of our lives. Every once in a while a new strain appears, sweeps across the population, and we're often left with more questions than answers about how to protect ourselves. We want to help remedy that. Meet Dr. Mike Smith: On this week's episode we're speaking with Dr. Mike Smith. Dr. Mike is the director of education for Life Extension and one of our favorite people to speak with. Life Extension is the world's leading organization dedicated to helping people stay healthy and live better, so to say that our missions align is a bit of an understatement. Dr. Mike walks us through his own personal immune boosting regimen, with the science and clinical evidence behind each one. Some Topics We Discuss: What do we need to do to arm ourselves against viral infection? (5:41) How much Vitamin D should we take? (9:18) When should you start taking nutrients if you're feeling under the weather? (13:48) What are some more specific supplements that are known to help with viral infections? (26:55) Some Key Takeaways from this Episode: Vitamin D is the orchestrator of our whole immune system. (7:48) The minute you start feeling a little off, that's when you need to start cranking up the nutrients. Don't wait until you feel super sick. (14:00) Lactoferrin can act as a frontline defense system for your immune system (15:03) You need to look at labels as a guide for maintenance dosing. Do not be afraid of therapeutic doses. (18:42) Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

Former Agency of Human Services Secretary Mike Smith was recently asked to lead a review of cost effectiveness of many programs at the University of Vermont Health Network. He told Vermont Public that the network's administrative costs was one area he planned to look into.

May 11, 2025 | Mike Smith

Lieutenant Commander Mike Smith served in the Navy as an F/A-18 pilot. He deployed 3 times between 2002 and 2014, and was stationed in Japan, Italy, Virginia, Mississippi, Texas, and Florida.  He was also Strike/Fighter Pilot of the Year in 2009. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Bluebloods, Zach McKinnell is joined by Eastern Kentucky defensive back Mike Smith Jr. Smith discusses his All-American career at Eastern Kentucky, signing with the Dallas Cowboys as an undrafted free agent, his experience throughout the pre-draft process, and the advice he received from former teammates in the NFL. All this and more right here on The Bluebloods!​

Nick is joined by ITV star Oli Bell to take a look at today's headlines from around the racing world, with tentacles around the Guineas weekend, Punchestown and Kentucky, where Nick is based this week. Guests today include Guineas winning trainer Hugo Palmer, whose Seagulls Eleven has had a carbon copy preparation to that of his sire Galileo Gold. Also on the show, Davis Menuisier looks forward to unleashing his star three year old Janey Mackers in the Pretty Polly, while Nick catches up with Barry Connell and R Mike Smith, both delighted winners at Punchestown on Tuesday. In Kentucky, the CMNWLTH fractional ownership team - successful in the Derby with Mage - now have a real shot at winning Friday's Kentucky Oaks - their principal, Chase Chamberlin, drops in to chat and reminisce. Meanwhile Racing Welfare's Gemma Waterhouse has details of the charity's latest challenge.

Nick is joined by ITV star Oli Bell to take a look at today's headlines from around the racing world, with tentacles around the Guineas weekend, Punchestown and Kentucky, where Nick is based this week. Guests today include Guineas winning trainer Hugo Palmer, whose Seagulls Eleven has had a carbon copy preparation to that of his sire Galileo Gold. Also on the show, Davis Menuisier looks forward to unleashing his star three year old Janey Mackers in the Pretty Polly, while Nick catches up with Barry Connell and R Mike Smith, both delighted winners at Punchestown on Tuesday. In Kentucky, the CMNWLTH fractional ownership team - successful in the Derby with Mage - now have a real shot at winning Friday's Kentucky Oaks - their principal, Chase Chamberlin, drops in to chat and reminisce. Meanwhile Racing Welfare's Gemma Waterhouse has details of the charity's latest challenge.

Simon Morris goes off the beaten track this week, including two features found on streaming services – Netflix's Havoc and Prime Video's My Old Ass. He also finds a surprising number of self-funded New Zealand movies this month, including romantic comedy The People We Love. He talks to director Mike Smith about the pros and cons of independence.Go to this episode on rnz.co.nz for more details

Independent film The People We Love is that very rare thing, a Kiwi romance. Writer-director Mike Smith (TV's My Life Is Murder and Siege) wonders we're so reluctant to make such a popular genre, and how to negotiate the perils of the indie film-maker. The People We Love stars Neill Rea (Brokenwood Mysteries) and Alison Bruce (Tinā).Go to this episode on rnz.co.nz for more details

April 27, 2025 | Mike Smith

We're highlighting upcoming events on the today's NKY Spotlight Podcast!

"Are You Still Doing That Manually?" — Real-World Automation for Law Firms with Mike Smith & Matthew AdamsThat one question could be costing your law firm countless hours and missed opportunities. Today, we're welcoming two powerful voices in legal automation to the show:

Nick Cellini and Chris Dimino talk everything Atlanta Sports, the National Sports picture and the current (and WAY back when) in pop culture! Get the latest and your fill of Atlanta Braves, Georgia Bulldogs, Atlanta Falcons, Atlanta Hawks daily from two "Southern" Yankees daily Mon-Fri from 10a-2p! The 10am hour is sponsored by Cornerstone Remodeling Atlanta, for renovations to your home, trust Cornerstone. The Falcons get their man....their Dawg! Jalon Walker is X Question of the Day on the Harrah's Cherokee X Feed RedZone - Draft deep dive Braves back in action from Arizona - Chris Sale is on the hill See omnystudio.com/listener for privacy information.

It's a bird, it's a plane, it's the 2025 Kentucky Derby Monster pod!!Welcome to ITM's most anticipated -- and longest -- show of the year. When ITM debuted the monster pod format several years ago, it changed the horse racing content game, but this year PTF and JK really outdid themselves. It's banger after banger. Clocking in at 2:30, this is the Derby show you need for those long walks and car rides. No issue if you divide it into parts but we are serving it up in one monstrous segment with all the Kentucky Derby tips, analysis, information, and betting advice you need.Here you'll find:PTF and Chris Fallica on JournalismJK and Mike Smith on RodriguezPTF and Randy Moss on LuxorJK and Mike Maloney on SovereigntyJK and Britney Eurton on Tappan StreetPTF and Jayson Werth on Flying MohawkJK and Mike Repole on GrandePTF and Duke Matties on BaezaJK and Richard Migliore on SandmanPTF and Matt Bernier on Burnham SquareJK and Brendan Walsh on East AvenueJK and Saffie Joseph Jr. on NeoequosPTF and Ethan West on Chunk of GoldJK and Tom Ryan on Citizen BullPTF and Marshall Gramm on Coal BattleJK and Acacia Clement on Owen AlmightyPTF and Jackson Muniz on Final GambitPTF and Clay Sanders on TiztasticPTF and Michael Domabyl on American PromiseJK and Ryan Anderson on PublisherPTF and Alex Henry on Admire DaytonaPTF and Mikee P on Render JudgmentPTF and Nick Tammaro on California BurritoTakeaways: This year's Kentucky Derby Monster Pod features extensive analysis and insights from numerous expert guests, enhancing the pre-race preparation for listeners. The podcast emphasizes the importance of understanding horse racing dynamics, particularly regarding the impact of pace and running styles on Derby outcomes. Listeners are encouraged to consider the significance of trainer experience and horse pedigree when evaluating contenders for the Kentucky Derby. The discussion highlights the relevance of recent performances, such as the UAE Derby and other prep races, in assessing each horse's potential for success in the Derby.

It's a bird, it's a plane, it's the 2025 Kentucky Derby Monster pod!!Welcome to ITM's most anticipated -- and longest -- show of the year. When ITM debuted the monster pod format several years ago, it changed the horse racing content game, but this year PTF and JK really outdid themselves. It's banger after banger. Clocking in at 2:30, this is the Derby show you need for those long walks and car rides. No issue if you divide it into parts but we are serving it up in one monstrous segment with all the Kentucky Derby tips, analysis, information, and betting advice you need.Here you'll find:PTF and Chris Fallica on JournalismJK and Mike Smith on RodriguezPTF and Randy Moss on Luxor CafeJK and Mike Maloney on SovereigntyJK and Britney Eurton on Tappan StreetPTF and Jayson Werth on Flying MohawkJK and Mike Repole on GrandePTF and Duke Matties on BaezaJK and Richard Migliore on SandmanPTF and Matt Bernier on Burnham SquareJK and Brendan Walsh on East AvenueJK and Saffie Joseph Jr. on NeoequosPTF and Ethan West on Chunk of GoldJK and Tom Ryan on Citizen BullPTF and Marshall Gramm on Coal BattleJK and Acacia Clement on Owen AlmightyPTF and Jackson Muniz on Final GambitPTF and Clay Sanders on TiztasticPTF and Michael Domabyl on American PromiseJK and Ryan Anderson on PublisherPTF and Alex Henry on Admire DaytonaPTF and Mikee P on Render JudgmentPTF and Nick Tammaro on California Burrito

After sweeping the Big Sky Conference Men's & Women's 2025 Indoor Championships, Coach Mike Smith was named Coach of the Year for the 8th time! Now he joins us on this week's podcast and schools us on hurdle training, coaching philosophy and off-season training.

“Know and Be Known” | April 20, 2025 | Mike Smith

Louie & Sean are back with another edition of BloodHorse Monday.The guys open with jockey Mike Smith, who will be aboard Rodriguez in Kentucky Derby 151.Then, hear from trainers Bill Mott, Brad Cox, Brendan Walsh, Steve Asmussen, and Whit Beckman as their horses gear up for the Derby.The guys then talk with Frank Angst and put a wrap on the OBS April sale.They close with a look at potential Preakness starters out of both the Tesio and Bathhouse Stakes.

This week, the crew talks PWHL draft, NHL awards, and Robidas Island.0:00 Benjamin welcomes SJ and Trevor to the Neutral Zone Hotel2:24 The crew discusses the upcoming 2025 PWHL draft, taking place in June in Ottawa and the effects of possible league expansion. 18:06 The crew prognosticates the NHL awards and proposes their own awards.54:27 San Jose Sharks captain Logan Couture has called it a career and now he's heading to Robidas Island. Benjamin shares his picks for the all-time team from the Island. Neutral Zone Hotel is a production of the Neutral Zone Hotel Team.More information is available at https://neutralzonehotel.comLogo design by Emily Mowbray.We're available on YouTube and all the major podcast platforms.You can follow us on social media:Instagram: @neutralzonehotel Bluesky: @neutralzonehotel.bsky.socialYou can join our Discord server at https://neutralzonehotel.com/discord

HOKA NAZ Elite & Marathon Project founder Ben Rosario joins us at 49:05 to talk running and give us our first look at Monday's Boston Marathon. Prior to that we discuss whether Athing Mu is really racing a 5k at Mt. Sac this weekend, talk about the Aussie Champs and Peter Bol's Aussie record in the 800, Gout, Gout, and more. Plus hot high school action at Arcadia as Jane Hedengren's amazing year continued. (Sponsored) Ben is hosting the Flagstaff Coaching Clinic with Greg McMillan & Mike Smith July 10th to 13th in Flagstaff.  Clinic is geared toward high school and college coaches as well as those looking to work with professionals.  Sign up here. Want our Preview Podcast from Boston on Friday? And savings on running shoes? Join the LetsRun.com Supporters Club today for exclusive content, a bonus weekly podcast, shoe savings, and more. Cancel anytime .https://www.letsrun.com/subscribe Show notes: 00:00 Flagstaff Coaching Clinic *link 04:33 Athing Mu's Entered in Mt. Sac 5000 09:55 Women's Basketball Unrivaled League 11:08 Grand Slam Track and TV Contracts 14:15 Australian Championships Recap: Cam Myers Wins 1500, Gout, Gout, Upset in 5000 21:59 Gout Gout & Bolt Comparisons 27:43 Noah Lyles if he had run .005 slower in Paris 31:53 Jane Hedengren Record-Breaking Season Continues with 2 Mile at Arcadia 36:33 Owen Powell over Sam Ruthe 41:44 Geoffrey Kamworor Wins Rotterdam 2:04:43 45:20 Jimmy Gressier's Celebration at Euro Champs link his previous celebration 49:05 Ben Rosario Interview: Coaching and Running Insights 54:11 Marathon Project update 01:00:13 His coaching clinic and past history with Mike Smith and Greg McMillan 01:06:08 Boston Marathon Preview 01:08:20 Preparing for the course 1:10:24 Robert insults Kipchoge 01:14:42 Changing Mindsets for Hilly Marathons 01:16:55 The Impact of Super Shoes 01:18:42 Leaving coaching 01:21:40 Talent Acquisition 01:24:07 Boston Marathon Predictions 01:31:21 How did Matthew Richtman run 2:07? 01:38:48 Future of Olympic Marathon Trials? 01:40:54 Can Conner Mantz Win? 01:52:22 Coaching clinic in Flagstaff *link Contact us: Email podcast@letsrun.com or call/text 1-844-LETSRUN podcast voicemail/text line. Want our Preview Podcast from Boston on Friday? And savings on running shoes? Join the LetsRun.com Supporters Club today for exclusive content, a bonus weekly podcast, shoe savings, and more. Cancel anytime .https://www.letsrun.com/subscribe Check out the LetsRun.com store. https://shop.letsrun.com/ We've got the softest running shirts in the business. Thanks for listening. Please rate us on your podcast app and spread the word to friend.

April 13, 2025 | Mike Smith

Jason welcomes in Hall of Fame jockey Mike Smith to talk about his early days in New Mexico, his amazing career, his recent Wood Memorial win, and more! 

C. Mike Smith

Presented by TwinSpires Hall of Fame jockey Mike Smith discusses Wood Memorial winner Rodriguez, trainer Ian Wilkes looks back on his pair of Grade 1 wins in the Blue Grass and Madison Stakes, Keeneland handicapper Tom Leach previews Saturday's graded stakes, jockey Kendrick Carmouch reflects upon his milestone win #4,000, and Eclipse Thoroughbred Partner Tom Sanford talks about Santa Anita Derby winner Journalism. Plus, Bobby Neuman brings you this week's edition of 'Calling All Three Year Old's' presented by Spendthrift, Kevin Kilroy previews three races to watch in this week's 'TwinSpires Triple Play', Kurt Becker takes you on his weekly Stroll Through Racing History presented by Keeneland, and Dale Romans & Tim Wilkin tackle the sports hottest topics on 'I Ask, They Answer' presented by the University of Louisville Equine Industry Program in the College of Business.

Recorded on a Monday for Stacie's ballroom.  Mashups, cougar talk, Mike Smith as dad, Halloweens from the past and also the future.  No need to go black face ever or white face.  The trails and tribulations of VHS and the fun that it can bring.  We are taking the limo to the burrito challenge, we just need a belt for The Grumpy Griller. Junior gets upset at the mere thought of hot dogs now as last Fourth of July scared him for life.  Update, the Palm Street Studio bowling team failed...no ship for them!

In this episode of Hospitality Hangout, Michael Schatzberg, “The Restaurant Guy,” and Jimmy Frischling, “The Finance Guy,” are joined by Mike Smith, Chief Brand Officer of Moe's Southwest Grill, for a high-energy conversation packed with hospitality insights, real-world hospitality stories, and brand-driven restaurant transformation. Mike shares how Moe's is leaning into emerging hospitality trends, executing bold hospitality strategies, and driving hospitality success in a competitive landscape. From the power of brand to the importance of connecting players across the industry, this episode is a masterclass for hospitality insiders looking to stay ahead. Tune in and discover what it takes to lead in the evolving world of hospitality. Episode Credits:Produced by: Branded Hospitality MediaHosted by: Michael Schatzberg, JImmy FrischlingProducer: Julie ZuckerCreative Director: Adam LevineShow Runner: Drewe RaimiPost Production: Three Cheers Creativewww.thehospitalityhangout.com

April 6, 2025 | Mike Smith

Mike Smith is the gritty, no-frills voice behind The Gutter Gospel, a raw and powerful memoir that dives headfirst into the trenches of addiction, redemption, and self-discovery. With unflinching honesty and a poet's soul, Mike captures the reality of life on the edge, offering readers both a cautionary tale and a story of hope. Our interview with Mike was nothing short of real. He brought the same energy and authenticity that flows through his writing — unpolished, passionate, and deeply reflective. We talked about his early struggles, the moments that turned his life around, and how writing became a lifeline. Mike doesn't sugarcoat anything, and that's what makes him so compelling — whether he's sharing a story from the street or a lesson from recovery, you can feel every word. You can follow Mike Smith and keep up with his journey here: Instagram: @guttergospel Twitter/X: @MikeSmithWrites Facebook: Mike Smith - The Gutter Gospel Website: www.theguttergospel.com If you're looking for a story that punches you in the gut and lifts you up in the same breath, The Gutter Gospel is your next must-read.

Vince and Dale dive into NFL draft prospects, and recent trades, and chat with draft prospect Mike Smith Jr. from EKU. They explore draft strategies, and ShedeurSanders' potential landing spots, and speculate on team needs and trades. Don't miss insights into Mike's training and his journey from App State to EKU! RighteousFelon.com promo code STOVE15 Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Utah Jazz TV Analyst Mike Smith joined the show to talk about Isaiah Collier's impressive game last night. What can his ceiling be if he improves his shot? 

Hour 2 of Jake & Ben on April 3, 2025 Utah Jazz TV Analyst Mike Smith joined the show to talk about Isaiah Collier's impressive game last night. What can his ceiling be if he improves his shot?  Hear from NBA Draft Analyst Krysten Peek who gave her thoughts on Cooper Flagg and how impressive he has been in the NCAA Tournament. Also, does she think Egor Demin will return to BYU or declare for the NBA Draft? Comedian John Mulaney almost got scammed. 

Jake & Ben Full Show from April 3, 2025 Hour 1 Isaiah Collier put together arguably the best game of his rookie season last night.  Jake & Ben's Top 3 Stories of the Day: Dallin Hall hits the Transfer Portal, Jazz have the worst record in the NBA, Utah Hockey Club hosts LA Kings tonight. Ja Morant in trouble for a gun celebration. He's got to be smarter than that.  Hour 2 Utah Jazz TV Analyst Mike Smith joined the show to talk about Isaiah Collier's impressive game last night. What can his ceiling be if he improves his shot?  Hear from NBA Draft Analyst Krysten Peek who gave her thoughts on Cooper Flagg and how impressive he has been in the NCAA Tournament. Also, does she think Egor Demin will return to BYU or declare for the NBA Draft? Comedian John Mulaney almost got scammed. 

On week 13 of Con Stat John, Eric, Marlon & Mike Smith sit down and discuss what a DOGE style audit of the NYPD would uncover. ERIC DYM Son's Fundraiser : https://www.gofundme.com/f/n8z6j3-support-dereks-fight-against-brain-cancer?qid=e0d3429d4bdf00ad99a9aaba0d6b432d This episode is sponsored by Fund The First. If you are interested in starting a Fundraiser visit https://fundthefirst.com/ To Purchase a Coffee Mug https://the-finest-unfiltered-podcast.printify.me/product/10258644 If you are interested in purchasing a Finest Unfiltered T-Shirt please visit https://meyersuniforms.com/265-unfiltered-podcast-tee/ For any financial or investment advice please contact LaidLaw Blue at 888-901-2583 (Blue) or visit them online at https://laidlawwealthmanagement.com/laidlaw-blue/  tell them your friends at #TheFinestUnfiltered sent you.

Jake & Ben Full Show from March 27, 2025 Hour 1 BYU vs Alabama in the Sweet 16 tonight.  Top 3 Stories of the Day: Jazz vs Rockets, NCAA Tournament continues, Utah Hockey Club at the Tampa Bay Lightning.  LeBron James and Stephen A Smith are going back and forth in their public feud.  Hour 2 Utah Jazz TV Analyst Mike Smith joined Jake & Ben to talk about the Jazz following Will Hardy's comments after a frustrating loss to Memphis. How will they respond tonight?  Jeremiah Jensen checks in live from New Jersey to preview BYU vs Alabama tonight.  Brian Windhorst made his mark by being close to LeBron James. After this big fight, are they still friends? 

Utah Jazz TV Analyst Mike Smith joined Jake & Ben to talk about the Jazz following Will Hardy's comments after a frustrating loss to Memphis. How will they respond tonight? 

Hour 2 of Jake & Ben on March 27, 2025 Utah Jazz TV Analyst Mike Smith joined Jake & Ben to talk about the Jazz following Will Hardy's comments after a frustrating loss to Memphis. How will they respond tonight?  Jeremiah Jensen checks in live from New Jersey to preview BYU vs Alabama tonight.  Brian Windhorst made his mark by being close to LeBron James. After this big fight, are they still friends? 

Insurance expert Mike Smith breaks down how long-term care health insurance options have evolved in 2025 to provide a wider variety of coverage choices in retirement.

“The really great athletes – they all have a superpower. [It's about] what makes them uniquely excellent and helping them understand what their superpower is and how they wave that sword around…You may not have laser vision, but you can fly. How do you use your ability to fly and max that out?”In just two years, Will Palmer has overseen quite a bit of success for the Florida Gators distance program. In 2023, as the associate head coach for cross country and assistant track and field coach, Palmer led the Gators' women to their highest national ranking since 2009, an SEC championship, and a second place finish at the NCAA East Regionals. In addition to all of that, he and his wife Samantha were the coaches behind Parker Valby's record-breaking dominance, guiding her to NCAA titles, collegiate records, and her first Olympic team.Before arriving in Gainesville, Palmer made an impact at Alabama, helping the women's team to an SEC title and a podium finish at the NCAA Championships in 2022. His coaching career also includes stops at Georgetown, Western Kentucky, Iowa State, and Oklahoma, shaping some of the best distance programs in the country. So today we dive into the vision behind Florida's rise in cross country, what made Parker Valby's training and mindset so unique to be part of, his coaching philosophy, and what he's building in Gainesville – plus lessons from a career spent developing talent and much more.If you've been enjoying these office hours episodes, shoot me a message with other coaches that you'd like to hear from. We've got interviews with Mike Smith, Diljeet Taylor, Ed Eyestone, Laurie Henes, Dave Smith, Alex Gibby, Mark Coogan, and other top coaches in our archives.Host: Chris Chavez | ⁠@chris_j_chavez on Instagram Guest: Will Palmer | @willpalmxc on InstagramSUPPORT OUR SPONSORSKETONE-IQ: Level up your training with Ketone-IQ – a clean shot of energy with no sugar or caffeine. Or try the new Ketone-IQ + Caffeine, combining 5g of ketones with 100mg of green tea caffeine for a smooth, sustained boost. It's used by pro runners like Des Linden and Sara Hall. Proven to enhance endurance, focus, and recovery, ketones are 28% more efficient than glucose. No crashes, no bonking—just next-level performance. Take the shot. Feel the difference. Save 30% off your first subscription order & receive a free six pack of Ketone-IQ with KETONE.com/CITIUS.RUNNA: Runna is the #1 rated personalized running app designed to help you crush your goals no matter the distance. Runna is trusted by hundreds of thousands of runners around the world and makes expert coaching accessible with personalized training plans that fit every goal, fitness level, and schedule. Whether it's someone's first 5K or it's someone chasing a marathon PB, they are here to help runners train smarter, stronger, and love every step of the way. Sign up for Runna today and get your first two weeks free using the code CITIUS.OLIPOP: Big name sodas are rolling out bold new flavors in 2025, but the real buzz is happening in the prebiotic pop aisle. If you haven't already jumped on the Olipop train yet, now's the time. BuzzFeed just came out with an article that recently named Olipop the best overall soda for flavor — and with a lineup that includes classic root beer, vintage cola and cherry vanilla, it's easy to see why. Try Olipop today and save 25% on your order using code CITIUS25 at checkout at DrinkOlipop.com.

Mike Smith, who played in the NCAA Tournament, joined the show to talk about his experience and how far BYU can go. 

Hour 2 of Jake & Ben on March 20, 2025 Utah Jazz Analyst and former BYU Cougar Mike Smith joined to talk about the NCAA Tournament.  BYU Insider for KSLSports.com Mitch Harper gave a preview of BYU vs VCU.  The Boston Celtics have been sold for a record $6.1 Billion Dollars. 

Jake & Ben Full Show from March 20, 2025 Hour 1 The Jazz beat the Washington Wizards last night, could we take anything away from a double Tank-off? Top 3 Stories: BYU vs VCU at 2:05, USU vs UCLA at 7:25, and the Utah Hockey Club is only 4 points out of a playoff spot.  Updates on the NCAA Tournament, Creighton looks good vs Louisville.  Hour 2 Utah Jazz Analyst and former BYU Cougar Mike Smith joined to talk about the NCAA Tournament.  BYU Insider for KSLSports.com Mitch Harper gave a preview of BYU vs VCU.  The Boston Celtics have been sold for a record $6.1 Billion Dollars. 

 A new Olympics Deal for NBC. The tip off of March Madness and MLB's starting pitch is in Japan. NBA tanking, and Jason's Wormbyte on the real NCAA Basketball Tournament and the continuing annals of the Dr. Mike Smith annual spring training sojourn. 

In this episode of Broker Link, we're joined by Mike Smith for an inside look at the NABIP Capitol Conference in Washington, D.C. This annual event brings together insurance professionals to discuss legislative updates and advocate for policies that impact Health and Medicare agents. Mike shares key takeaways from the conference, including discussions on regulatory changes, industry challenges, and what agents need to know moving forward. Whether you're a seasoned professional or new to the industry, this episode provides valuable insights into the future of healthcare policy. To learn more about NABIP, visit www.nabip.org look for the tab "your voice matters" and sign up to have your voice heard in this industry. Partner with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! Linkedin: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/     

Check out the link to The Short Talk Bulletin Podcast!   https://shorttalkbulletin.com/Check out Bro Mike's audiobook selection!https://www.audible.com/search?searchProvider=Anaba+PublishingMake sure to like and subscribe to the channel!  Freemasons, make sure you shout out your Lodge, Valley, Chapter or Shrine below!OES, Job's Daughter's, Rainbow, DeMolay?  Drop us a comment too!To learn how to find a lodge near you, visit www.beafreemason.comTo learn more about the Scottish Rite, visit www.scottishrite.orgVisit our YouTube Page: Youtube.com/ScottishRiteMasonsJoin our Lost Media Archive for only $1.99 a month!https://www.youtube.com/channel/UCv-F13FNBaW-buecl7p8cJg/joinVisit our new stores:Bookstore: https://www.srbookstore.myshopify.com/Merch Store: http://www.shopsrgifts.com/

Doug O'Neill & Mike Smith talk horses, horseracing, bidding/gambling, and Santa Anita Park's BIG CAP DAY! // Doug O' Neill and Mike Smith continued // Who let the dogs out! A Woman arrested after breaking into San Bernardino animal shelter, releasing dogs/ Southwest Airlines flights now on third-party sites like Expedia. // A look at how Waldorf Astoria Beverly Hills' water recycling solution tackles conservation 

What's up from Scottsdale, Arizona! The boys get into life and sport updates from training camp, including Olli's experience with Double Threshold, George's visit with Mike Smith and his cult up in Flagstaff, and Morgan's current injury situation. Afterwards they go over one of the biggest weeks ever for the sport, covering Jakob Ingebrigsten's indoor mile/1500m world record, Grant's 5000m world record, and Kiplimo's Half Marathon world record.If you enjoyed this episode, please leave a 5 star review! We appreciate the support ❤️Follow us here:Instagram: https://www.instagram.com/coffeeclub.pod/George Beamish: https://www.instagram.com/georgebeamish/Morgan McDonald: https://www.instagram.com/morganmcdonald__/Olli Hoare: https://www.instagram.com/ollihoare/Photography used in thumbnail:https://www.instagram.com/bobo.studios/Coffee Club Merch: https://coffeeclubpod.comMorgan's discord: https://discord.gg/uaCSeHDpgsMorgan's YouTube: https://www.youtube.com/@MorganMcDonaldisaloserIntro Artwork by The Orange Runner: https://www.instagram.com/theorangerunner/Intro Music by Nick Harris: https://open.spotify.com/artist/3Zab8WxvAPsDlhlBTcbuPi

Introducing our newest podcast sponsor – Level up your training with Ketone-IQ – a clean shot of energy with no sugar or caffeine. Or try the new Ketone-IQ + Caffeine, combining 5g of ketones with 100mg of green tea caffeine for a smooth, sustained boost. It's used by pro runners like Des Linden and Sara Hall. Proven to enhance endurance, focus, and recovery, ketones are 28% more efficient than glucose. No crashes, no bonking—just next-level performance. Take the shot. Feel the difference. Save 30% off your first subscription order & receive a free six pack of Ketone-IQ with KETONE.com/CITIUS “Seeing them not just at their highs but also at their lows and how they fought to climb back up has taught me a lot about resilience and being relentless. I've become a better coach because I have the opportunity to work with these pro women and I'm excited to continue to get better, learn from them, and make sure that they're at the center of everything that I do. My guest for today's episode is Diljeet Taylor. We had her on the show last fall after she won the NCAA Cross Country Championships with her BYU women. For those of you who aren't familiar, she's one of the most transformative coaches in the sport. She's built BYU's women's cross country program and distance program into a national powerhouse, coaching NCAA champions, Olympians, and creating one of the strongest cultures in collegiate running. Now she's stepping into an even bigger role, leading a professional training group with Nike while continuing to coach at BYU. Nike has announced Swoosh TC for Oregon, Utah, and Arizona. It's being described by the brand as a network of elite athletes, coaches, and innovators working together to push the boundaries of performance and progress. Coach Taylor will oversee the Utah division, Jerry Schumacher will head Oregon along with Shalane Flanagan, and Mike Smith will lead the club in Arizona beginning in July 2025 in partnership from Rachel Smith. In this conversation, we make sense of what all of that means.  We get into the behind-the-scenes details of her new role, how she's balancing coaching, both collegiate and professional athletes, and what it takes to develop elite runners at the highest level. We also touch on the mindset of success, the importance of culture, and the transition from NCAA to professional racing. Host: Chris Chavez | ⁠@chris_j_chavez on Instagram  Guest: Diljeet Taylor | @diljeetdosanjhtaylor on Instagram SUPPORT OUR SPONSORS SPOKANE SPORTS COMMISSION: In Spokane, Washington, there's Spring, Summer, Fall, Winter and now, Fast.. Fifth Season is hosting elite indoor track and field events all throughout January and February. All events take place at the Podium Powered by STCU, SPOCAN's state-of-the-art indoor track facility. ⁠⁠⁠⁠⁠⁠Learn more at SpokaneSports.com/FifthSeason⁠⁠⁠⁠⁠⁠ OLIPOP: I've got a question for you: how's your Dry January going? Whether you're crushing it or just dipping your toes in, our friends at Olipop are here to make it a lot more fun—and way more delicious.  It's not just another soda—it's soda reimagined. Think of all the nostalgic flavors you love, but with way less sugar and a third of your daily fiber in every can. ⁠Get 25% off all your orders at DrinkOlipop.com using code CITIUS25 at checkout.