Podcasts about ritz carlton

This week our besties are crashing out HARD. The road to recovery looks like admitting we have bad days, giving ourselves the room to rant and taking the rest we need to get back on track. Joey takes a night out in SoHo at the exclusive Ludlow House, and Snooki shares her latest obsession, ZBiotics, a pre-drink shot for the elderly millennial to keep the party going and the hangovers gone. Joey’s mother is trying to contact him beyond the grave, while the bestie duo bonds over their newest signature summer fragrances.As Snooki’s surgery date fast approaches, she reflects on the last year navigating her journey with cervical cancer, highlighting the importance of making your doctor appointments to opening up about the scary feelings of surgery. Joey chats about all the newest celebrity collabs, from Hailey Bieber and Gap to Merit and The Ritz Carlton, while Nicole pops off and calls out judgmental crusaders.The duo round out the conversation with their weekly Confession Sessions, sponsored by Hard Rock Bet, sharing that it’s okay to not be okay and that we need to let go of guilt when it comes to taking rest days. Snooki is a firm believer of bed rotting…who wouldn’t be, being a mother of three, with multiple businesses and battling cancer.And crusaders, somebody please buy Joey’s chairs. #Volume See omnystudio.com/listener for privacy information.

Marketing is different than it was five years ago, especially now that AI is firmly entrenched in so many communities. Kiera talks about how AI, online reviews, and local trust are more important than ever, and what you and your practice can do to keep patients coming your way. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent- Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera, and I hope you're having a great day. I am having a great day. I love being in office with offices. I love working with practices. I love being with our team. I love seeing my team elevate and grow. I love watching and seeing just wins. I love hearing how our clients are doing. I love to see the wins our clients are getting. Honestly, dentistry is so great and it's fun. It's fun to see the evolution of the Dental A Team. I remember when I started this, there is no way, shape, or form that I honestly thought.   That we would have this many clients that I get to celebrate and love on and just rally to see them hitting production goals that they never thought they'd do, having profitability, working through leadership team issues, ⁓ revamping what they believe is their why and their power. very invigorating to see offices wanting to possibly sell to a DSO and then finding other alternatives, having offices sell to DSOs, having offices bring on partners and associates. To me, that is one of the most like   rewarding parts of owning Dental A Team is to see so many people and to get to be friends with so many of you and to truly watch I would say like the good guys and girls win. And ⁓ my job and our company's mission is to truly like your success is our passion. So I'm excited. I hope that you're excited. I hope you remember the dentistry. We're so lucky to be a part of dentistry. We get the most incredible job and it's it's not just a job. I think it's a life changing experience we all get to be a part of. So today I just want to kind of like dive into like   AI reviews and ⁓ trust are genuinely kind of changing how patients choose their dentists. And I've been watching this and we've been talking about it within our private doctor communities and ⁓ just recognizing that the world's changing on how people are picking dentists now and how are they finding you? And this is a little ⁓ I feel local. So some areas are gonna have more AI influence versus other areas are possibly going to have less AI influence.   But I think for all of us to just kind of figure out like how are patients choosing to go to the dentist? How are patients coming and picking dentists? Cause I do believe that marketing and the AI, it's different than it was five years ago. So I'm also finding that patients truly have already figured out who they're probably gonna call before they even call you. So like they're gonna determine do they trust you or not before they even make that first phone call. And before I used to feel like we could win them over, and I still believe we absolutely can, but a lot of it's already coming. And so it's coming before they talk to you.   And it's more than just having a website. It's you gotta be able to build that trust online with your patients before they even walk through the door, before they even want to make a phone call with you. So I just want to talk about like how is AI changing behavior, why our reviews like genuinely matter, how things are changing over there, things are shifting. there's some new algorithms if you're not familiar with how Google is switching it up for us, and really just trying to give you guys some preps because I believe that there are maybe some possibly three areas for a practice to focus on to really like   be the choice of your community. So we're big on making sure that we work. We work across the globe. We work across the nation. So seeing practices and how patients are making decisions from small boutique country villages to very metropolitan cities to places where there's not even like more than like five team members to choose from, to little isolated islands out in the Caribbean, you name it, we've seen it all. And so just really trying to help offices ⁓   look at things differently and to be observant. And so I want you guys to to realize that there's still ways to stand out. I think there's still ways for us to make big influences. And right now, AI is so new that we don't know all the ways of how it's working. And so just giving some tips and ideas to kind of have that healthy conversation of what is the innovative way for practices as of today, knowing that it could shift and change. But I believe that when we're on the cutting edge and we're being attentive to this, we're trying to stay   as up to date as possible without like killing ourselves off, I think is very important and very astute as CEOs. they have the phrase innovate or die. And I believe the practices do need to innovate. We do need to be on top of this. Otherwise we will get ⁓ dated very quickly. So ⁓ I think what was happening is patients are they used to rely a lot on referrals and I still think that that is a piece of it. But I will say it's a referrals and then it's a verify.   So they're verifying referrals. They're looking to see, hey, my friend told me this dental office. I'm gonna go double check it. And the way I'm gonna double check it is I'm gonna go read the reviews. I'm gonna check their website. I'm gonna look at social media. I'm gonna search online. Do you how many people are looking? Like you guys, I just went on a trip. I asked Chat GPT. I said, build me out the best hotels, the best locations. So people are starting to use AI. It's not all algorithm from the reviews and different pieces. It's pulling from that, but it's also not there. So we're kind of all looking like AI tells me this and I'm gonna go check the reviews. So   We're starting to have a lot more pieces to that. And so I really do believe like your online presence is a lot of times the exact first impression. And we're looking at evaluating trust before they come in and they're going to like evaluate your treatment. So can I trust this? Do they have a good online presence? And I know that that's annoying because not all the best practices are the ones with the highest reviews. However, society and for years of training of five stars, we're starting to learn that that's what we trust.   So I believe that there can be two practices side by side, similar services. One has recent reviews and online engagement and like very clear online presence. The other one hasn't updated anything in years. Patients are gonna look at both of those side by side and they're most likely probably gonna choose the one with the great reviews. Even if they're identical practices, even if they do the great same dream, even if the one who doesn't have a strong online presence is better, people don't know that. And it like you have to be present, you have to be winning online in order for people to want to come and work with you. So   For me, it's you've got to make sure you're building that trust online. You've got places where people can see you. And we have to remember different types of buyers are going to look at this differently. So if your demographic and population is going to be a more senior patient base, you might still be newspaper flyers, ⁓ having webinars, CE, things like that, where you're in person with them more. If your demographic is anything of like 60 and younger, they're probably online. not all the 60, like from the 50 to 60 range, that's still variable.   But anyone pushing that 50, they are in that realm where they have been trained with reviews and looking online and things like that. So, and regardless if your patient base is older, you have to remember that next wave of patients coming that are probably going to be your patients long term. They are that younger generation. So people don't want just recommendations anymore. They want confirmation. Like I want to trust. I think that in the world of AI where people are really questioning what's real, what's not real.   We're asking for referrals. We're verifying online. We're trying to put all the pieces together because we're inundated with so much noise that people are really trying to sift through the noise to figure it out. So ⁓ I think if you one one call to action on that is like re review your online presence this week as if you're a brand new patient. What's our social media look like? What are our reviews saying? When was our most recent review? What's our worst review? It's okay to have a bad review. Like it truly is. How you respond to that bad review is actually going to weed out patients and it's also going to show people a lot about you.   It's okay to not have the best reviews. It's not okay to have a lot of bad reviews, but it is okay because guess what? Everybody goes on there and the first thing we do is we look for the newest and then we go for the worst. We want to see, we want to see what happened. That's what's also going to make you stand out is real. I don't want you having a lot of bad reviews, but it's okay if you do. It just depends on how you respond and also pay attention. Are there things that you can fix and change with those reviews? Sometimes even calling those patients can help with those reviews. But look at that, see, go ask people to like type into Chat GPT.   Go do it on your own. See if you pull up, see where things are at. Are you the most recommended dentist? Look at those items. If you're not pushing like five, six, seven, eight hundred reviews right now. A lot of people are going to gloss over because there are other dentists that are going to whoop you because they've got like they're going to beat you in the race because they have more reviews than you. So that leads into our second thing of reviews really are becoming word-of-mouth marketing. And they're not just nice to nice to have anymore. They truly are like part of the patient experience. And so   You've got to have consistent review generation. You've got to have reviews that are talking about patients' stories. You got to have team involvement asking for feedback. Now, a latest update with Google algorithm is if they have the team member's name in there, they're starting to like disqualify some of those. I did have a practice tell us that they lost like 15 reviews in one day. Now, this feels a little weird to me, and I hope Google's listening. Not that I think they care about Dental A Team podcast, but I hope they do. Because to me, I'm like, I actually want patients to talk about.   their team. I understand that there's ways that we can gamify the system and we can like have our team members try to get their names and reviews. However, a lot of people are going to talk great about it. So in our mastermind, we were talking, we do have a dentist who has over 1500 reviews and she said where she's actually getting the reviews is right at the end of the appointment when they're checking out. They are asking for reviews right then and there and the text message is going to that patient while they are still in the practice. And people are like, we don't want that. Like they're busy on that. And I was like, guys, she has 1500 reviews.   I think she's got something going really, really well for her. She's figured it out. She's doing an incredible job and they're going for it. So this is something where like mistakes on reviews are where we only ask occasionally. You've got to be very consistent. We've got to be asking every single time. ⁓ we don't want reviews to be an extra task. Like, we don't want to ask for reviews when there's a problem. We're like once in a blue moon. You've got to have a steady stream of consistent reviews coming through. I love Swell. Swell's been one of my best best.   Review generators across the board. I've tried tons of them. I personally love Swell. You guys can tell them Dental A Team sent you. We still get like OG back at the very beginning when Zeke and Kiera met when we were just babies building our businesses. And Zeke still honors that pricing over there. So definitely would recommend them. It's Swell ⁓ dot I think it's CX. It's been a while since I've said their website, Swell dot CX. sorry, Sw Swell CX.com, I believe is their website. And   Head on over there, the SwellCx.com, let them Dental A Team sent you. It is truly one of the absolute best review places, but putting it right then and there, asking for it, having them go through. Some people use their computer softwares. Regardless, you need to be attracting and getting reviews on a consistent basis. And I'm talking like one, two, three, four, five a day. Yes, I said a day, because think about it. If you have two hygienists, if you've got four hygienists, if you've got six hygienists,   We are seeing eight patients a day. So minimum you're probably seeing 16 patients a day on hygiene side. Doctor side's probably pulling in at least eight more. You're seeing like 30 to 50 patients per day on a low end, up to like 100, 150 on a high end, even up to 200. Pediatric, you're seeing a ton. So think about if we're only getting like even 5% of those patients are leaving a review. That's a very small amount that I believe that we can all get trickling in there. So reviews.   At scale, they are going to build trust. So think about it: the best restaurants, the best thing, but be a practice that's review-worthy. We've talked about this on so many other podcasts. We can link some of those for you. But make sure that your practice is doing an incredible experience because you want to have a consistent review process instead of hoping that reviews will happen naturally. You've got to be asking for it. And I know that that's annoying, I know it's awkward.   Do believe me. Do you think I like coming on here and be like, hey guys, leave us a review? So if you want to feel good about a review, go leave us a review. Give five stars on Dental A Team, give five stars on our podcast. It feels good to leave reviews. And so that way you can also feel good asking for it. And it's something where just like working out doesn't feel good at the beginning, but then it feels real good. This is just asking people to like share their great experience with the world about you. There is nothing wrong. If you've done a great service, ask those people to share about it. It's a great way for more patients like them to find you.   So that's gonna be like step two. And then step three around that is going to be like, I do believe that local trust is becoming a very big competitive advantage. So technology is growing, AI is growing, but I still believe that like trust still wins and having local people and consistent people like building that local trust. So having those reviews, having those referrals, having raving patients. I just came from an office. I'm so proud of them. They've grown from four ops into 15 ops, and now they're looking to add on to 25 ops. So   it's only been a couple of years. I think we've been together about four and a half years. So really fun. And to see them, they're getting patients looking at their reviews, having people tell them that they're a great dentist and they want to go. But it's just a consistent patient experience. It's community involvement, strong referrals, team consistency, follow-through. And I'll say just being good humans, like treating patients like humans. ⁓ patients, I believe they want confidence, they want connection, and they want credibility and they want to know that you're you're authentic.   Again, we talked about there's so much out there that's not authentic. We've got so many people and it's like, what's real? I went, I was doing a gym photo shoot and they're like, pick photos that you like. And I showed my trainer which ones and she's like, Kiera, you picked all AI photos. And I was like, Well, shoot, that's not even fun. Like, we don't even know what's real or not real. Things look so real and they're not. So people still want to know that it's real and authentic. And so having a great patient experience, having it where you're involved in the community, ⁓ being the dentist that the community chooses, being a part of things.   Being a human, having authentic connection to your patients, giving them confidence and having a team that really backs you is, I believe, a lot of great ways for you to still be competitive, even in spite of a world that's so, so advanced in technology. ⁓ and I really do believe that private practices have a huge competitive advantage of treating people like people. ⁓ I think it's like the Ritz-Carlton's tagline is ladies and gentlemen serving ladies and gentlemen. Like, what if it was like,   Dental professionals serving, like human beings serving human beings. We're just here to serve them and to love them and help them have this amazing experience at a place where most people don't even enjoy being. So I believe that technology might help patients find you. I believe that trust, connection, consistency, continuity is what's going to help them continue to choose you long term. And I want you to remember that just because a patient's been seeing you forever doesn't mean that they're with you forever.   I do believe that every time they come to you, it is an opportunity to rewin their trust to bring them in, to help them, to help them see that this is ⁓ the the best decision that they could ever make. So really truly you've got to be visible because visibility gets attention, the trust, the connection, the community, it keeps the patients with you. So look at your practice and see like, what are we doing every week to build trust with our patients? How are we making sure that we're genuine and authentic? What is that our culture? Is that what we preach?   go read the reviews, see what people are saying about you, ⁓ look to see where people are referring and just be good humans. Like I I know that seems so silly, but be a great human goes a long way. I think it's starting to become the currency that people are looking for of being kind, being considerate, being connected, being authentic. ⁓ so again, remember patients are looking for that proof before they even make the phone call. So you've got to be visible, you've got to have reviews, you've got to have things out there. ⁓   Reviews are like your modern word of mouth. So they're gonna read, people are gonna look at it, they're going to see. And then having that local trust, that community connection can be a great differentiator. So that's a great way to stand out. It's a good way for people to talk. Have your care to share cards, give them to people. We had podcasts on that. Like remind people to share you with their friends and their family because I still believe that referrals are one of the fastest ways to grow your practice and be the dentist that people want to refer. I think that that's probably my like final line. Like   Be the dentist, be the dental practice that people want to refer to. And I think if that's your mantra, that's your mindset, you're gonna win every single day. I wanna be the dental consulting company that people refer to. I wanna be the consulting company that when you need help, you think about us. I wanna be your best friend in the industry. I wanna be the person that you can count on to always give you non-filtered advice to truly give you the best of the advice. I will constantly be elevating myself and I wanna be that person for you. I wanna be the dental consulting company that dentists choose and the teams choose, ⁓ that they trust that they know that are gonna take care of them.   And I hope that you want to be the dental practice that your community chooses. So go out because really you can continue to win patients over. AI is coming in, technology's coming in. You've got to be visible. It's non-negotiable. You have to do it. It's just what it is. You got to check yourself there. You've got to be present there first. And then you got to make sure that that what we say online is what we really do. And in person is actually better than out there. If we can help you guys, this is what we do. We improve patient experiences, we improve.   How to ask. We help get your teams on board to ask for those reviews. we help make it very fun for teams and for owners. So reach out. I'd love to help you out. As always, guys, don't fall behind. Innovate or die. Be the dentist that the community chooses. Be the dentist that you're proud of. Be the practice that you're proud of. ⁓ be authentic to you, but make sure that you're visible because I would hate for somebody who's not as great as you.   Just because they have a stronger online presence, patients are going to them when I know you're the better dentist. I know that you have the great hand skills. And I'm not here to pit dentists against each other. I'm here to say, I want the best dentist, which is you listening, to win. You're the best dentist, you get the best treatment. Patients only have 32 teeth, and most of the time they only have 28. And I want those 28 teeth to be taken care of for as long as possible from the best dentist. And that's you. So get yourself visible. You have an obligation to share yourself with other people because they deserve to have the best clinician. They deserve to have that.   Get the review so people know about you, post on social media, and then make sure that you've got a great connection and a great community. If we can help you out, reach out. I'd love to help you. Like I said, I want to be the dental consulting company that you choose, that you share with. And I believe that that's how most of our practices feel about us. So come be a part of it. I'd love to have you be a part of us. Hello@TheDentalATeam.com. And as always, thanks for listening. And I'll catch you next time on the Dental A Team podcast.  

Bart Berkey walked into Strictly EBikes with a broken foldable bike that two other shops had turned away. Ten minutes and $38 later, he walked out with a fixed bike and a future guest. Asif Shakeel spent decades building service stations and car dealerships on one principle: compete on service, not price. Then he retired, bought the wrong e-bike online, crashed it, couldn't find anyone to repair it, and recognized the opportunity hiding inside his own problem.Key TakeawaysOpportunity arrives disguised as a problem. Asif's entire second act came from a bike he couldn't get fixed. Most people just want the problem solved so they can keep moving. If you solve it and notice that others have the same problem, you have a business.You can only go so far on price. Nobody is looking for the cheapest repair on their car. They're looking for honesty, competence, and transparency. Service is the one place with unlimited room to compete.One lie erases every truth. His father's lesson: get caught once and everything you ever said looks like a lie. It doesn't matter how kind you were or how much money they gave you. Trust is not a feature you can add back.When you have to cut, cut what the customer won't miss. In 2008 Asif cut the muzak, the landscaping, and the shelf inventory. Bart's Ritz-Carlton parallel: newspapers moved from every guest door to the elevator landing, saving enormous money with almost no impact on the experience. The skill is knowing which costs are the experience and which just look like it.Delegate so you can do more, not less. Asif's father insisted on doing everything himself and stayed one location. Asif systemized, built teams, and ran three businesses at once.This episode features Asif Shakeel, Founder and CEO of Strictly EBikes, located at 683 North Washington Street in Old Town Alexandria, Virginia. Founded in 2022, Strictly EBikes specializes in electric bikes and serves the Northern Virginia community. Before launching the business, Asif owned three service stations and a car dealership, has lived in Northern Virginia for over 50 years, and also serves as an adjunct professor at George Mason University. The company is currently developing a franchise model and is expanding into the adjacent retail space. Learn more at strictly-ebikes.com, or connect with Strictly EBikes on Instagram and Facebook, or with Asif Shakeel on LinkedIn. You can also reach him directly at asif@strictly-ebikes.com.

New laws are being put in place to keep illegal game rooms from popping up. We'll tell you just how many have been shut down so far this year. Plus, a ruling has been made in the proposed expansion of the Ritz-Carlton resort on Oahu's North Shore. What the courts ruled, as well as why an insect influenced their decision. We are now in the expected window for the next eruptive episode, which is expected to occur sometime today at the latest. See omnystudio.com/listener for privacy information.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Spencer Funding Their Future Honoree, Sierra Signorelli, about her background in environmental science, what drew her into insurance, and what convinced her that this profession was where she wanted to build a career. They discuss her career path from environmental consulting to environmental insurance underwriting to leading a global team and to currently serving as CEO of U.S. and Commercial Insurance at Zurich, and the pivotal moments that changed the trajectory of her career. They discuss her passion for helping women make their way in the industry, and her activities to bring new talent into insurance careers. Justin and Sierra discuss the Spencer Educational Foundation and how Zurich's interest in nurturing new talent aligns with Spencer's work.   Listen for Sierra's passion about the dynamic state of the insurance industry and how it can bring new risk solutions to companies.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is Sierra Signorelli, CEO of U.S. and Commercial Insurance at Zurich and one of this year's Spencer Funding Their Future Gala Honorees. But first… [:42] RIMS-CRMP Workshop. We are delighted to announce that on August 27th and 28th, RIMS President Manny Padilla will be leading the two-day in-person workshop at St. John's University at 101 Astor Place in New York City. A link to the registration is in this episode's show notes. [1:02] RIMS-CRMP Virtual Workshops. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Registration links are in this episode's notes. [1:14] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:29] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:44] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:58] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [2:07] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration will open in July. Be on the lookout for the call for nominations for the RIMS ERM Global Award of Distinction. Visit RIMS.org/ERM2026 in July for that announcement. [2:29] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:48] On with the Show! Our guest today is one of the modern trailblazers of risk and insurance. She is Sierra Signorelli, the CEO of U.S. and Commercial Insurance at Zurich. She is also one of this year's Spencer Educational Foundation's Funding Their Future honorees. [3:08] Sierra will receive her honor at the Waldorf Astoria in New York City on September 17th at the Spencer Funding Their Future Gala. [3:16] Sierra is here today to discuss her career development, her career journey, how it evolved into a global leadership role, and some words of wisdom for the next generation of risk and insurance talent. She has a lot of great insight and takeaways for us all. Let's get to it! [3:37] Interview! Sierra Signorelli, Welcome to RIMScast! [3:47] Justin and Sierra discuss longtime mutual friend Marya Propis. Sierra says their paths crossed early in their careers at AIG. They got to know each other through the Women's Executive Leadership Initiative Program. [4:09] Sierra says quite a few exceptional women in important roles in our industry came out of that program cohort. It's fantastic to come back together with Marya for this event. [4:37] Sierra studied environmental science. She tries to live and work with a sense of purpose. In university, she wanted to make the world a better place with environmental science. [4:58] Sierra says there are areas of overlap between insurance and environmental science. Her initial work out of school was about understanding changing weather patterns, flooding, epidemiology, chemistry, liability, and toxic tort. She leans on what she studied. [5:33] Sierra says that in school, they studied Earth Systems Science. Much of the modeling they did in school is the same modeling that Cat modelers do at Zurich. [6:04] Sierra first worked at an environmental engineering consulting firm. A colleague left to join a new company. He called her to come and interview. It hadn't been on her mind, but on his recommendation, she interviewed. Meeting the people, Sierra was intrigued. [7:08] Sierra says once she joined, she never looked back. She joined as an underwriter doing environmental insurance, so it tied to her background. It felt like it was her own little business. It was her responsibility to build a portfolio of business and build relationships with brokers. [7:37] Sierra says it was fascinating. The industry gives lots of training, both industry-led and within companies. The opportunity to learn was fun. Sierra felt it was a great place to start to build a career. [8:20] Sierra has had a few meaningful career pivots. As an underwriter, transitioning to her first manager role was a big step. It taught her that you have to have sponsorship or support within an organization to get the next roles. [8:47] Sierra says it was a big step from being an individual contributor to leading a much larger team. Having somebody willing to put that on her was really important. She will be forever grateful for that first step. [9:12] Sierra says the next meaningful step was from running a business in a region to being a CUO for one of the businesses globally. The organization restructured and put Sierra across lines of business she had no expertise in. That was a huge shift for her. [9:40] Sierra was no longer the deep expert, but she had to lead a team of experts and be credible with those individuals. Most of them had 30 or 40 years of experience. Sierra was in her early 40s. It was a fantastic opportunity that somebody was brave enough to give her. [10:09] Shortly after, Sierra moved from New York to Asia. It was quite a difference. She took that step because she was in a global role. She says, even though she traveled a lot and she's curious about people and cultures, it's not until you sit somewhere that you really experience it. [10:39] Moving overseas and being on the receiving end of New York gave Sierra an appreciation for sitting in the market. At that company, all brilliant things came from New York, and the rest of them had to figure out how they added value. The time difference was a challenge. [11:24] Sierra says the time difference has a huge impact on your life. The company wanted to become more global and had placed executives all over the world in different hubs. When you have 3,000 people in one area, everything is time-zone-centric to them. [12:01] As a global leader, in another time zone, you have to be comfortable not participating in everything and having people who represent you on your behalf, knowing when you really need to engage. You need to know to move the time if you won't be coherent at 3:00 a.m. [12:24] Sierra went back and forth once a month from Asia to New York to do Business Unit Reviews. It takes a lot out of you. The world has changed, and she does many more video meetings. Global travel has an impact on quality of life. [13:00] During those years, Sierra was raising children. They started pre-school and kindergarten in Asia. Sierra says she couldn't possibly do it unless her husband was on board; he had a career that was more flexible, and he was willing to step up. That's a family discussion to have. [14:03] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [14:22] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through the 12th at the Grand Hyatt on the San Antonio River Walk. Visit RIMS.org/Events for registration information. [14:36] The hotel cutoff date was July 10th. Reservations may still be made after the hotel cutoff date, subject to availability; however, the negotiated group rate is no longer guaranteed, so reserve now. [14:48] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [15:00] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [15:16] Save the dates: October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [15:33] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [15:47] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration opens in July. [15:58] Be on the lookout for an announcement about submissions for the RIMS Global ERM Award of Distinction. Visit RIMS.org/ERM2026.  [16:08] Folks, we're already looking toward RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st. RIMS members can exclusively register by September 4th for the best rate. [16:22] Get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [16:35] Let's Return to Our Interview with Spencer Educational Foundation's Funding Their Future Gala Honoree Sierra Signorelli! [17:01] Sierra says when she was in Asia, she had a global role. It highlighted how you speak, how you engage, and how you listen in different cultures is hugely important. You can't assume. It's always good to listen and then ask, and then replay back. [17:23] Sierra learned some painful lessons just thinking that silence and people nodding along means that they agree. She says she often talks about the importance of listening to colleagues, customers, and broker partners. [17:45] It's important not to make quick assumptions but to listen first and ask questions so that you have a good understanding of the colleagues you are working with and their needs. [18:00] Justin says a keynote at RISKWORLD 2019 said that when she spoke in Asian nations and asked a question of the audience, she learned that she had to wait and make eye contact with the audience to know if it was alright to move on to the next point or get them to speak up. [18:30] This speaker had learned that there is somewhat of a cultural reluctance in Asia to say what's on your mind. Sierra says that may be true, but you often don't get questions, so you have to think about what questions people might have and make sure that you raise them. [18:53] Sierra shares an example. They were rolling out global pricing tools. The U.S. would raise their hand that they don't like this or that. The same with the UK. Maybe Germany doesn't adopt it. Asia was seamless. They just rolled it out. No questions. Then a broker revealed a big issue. [19:31] Sierra realized she had to go back and talk with her team, so they could march forward. Having that understanding and making sure you're engaging appropriately with the culture is critical to having a successful business and being successful with the teams locally. [20:03] Justin asks that as Sierra ascended to that leadership role, did she find that she was one of the few women in executive leadership roles along the way? [20:23] Sierra says that early in her career, she was quite fortunate that there were quite a number of women leaders. In the group she worked with when she was in New York, there were several women running businesses. She worked for a woman. [20:43] Many of the women had families. Sierra had just started to have a family. Seeing them able to run these businesses, have a family, and not seem like all the wheels were coming off, seeming very normal and successful in her view, kept Sierra going. [21:01] Sierra says having role models and seeing other women do it is absolutely critical. It feels like you can do it when you see somebody else doing it. Having other people to talk to about how you navigate it is very important. [21:17] Sierra says, That being said, you have these groups, but overall, she finds that she's often the only woman in the room in meetings, and more broadly, in Asia. If she looks at the executive committee at Zurich, there are 12 executives, six male and six female. [21:42] Sierra says there are bright spots. We're making progress, but in some of the mid-level management roles, you don't see the same split. You see women falling off at a certain level. [22:19] Sierra says we have a Women's Innovation Network that she sponsors for her group. She has always tried to be a great support to women in our industry. She has given support to women along the way and helped them navigate to get to where they are. [23:00] Sierra says if you want to be authentic, you have to make difficult decisions. It goes hand in hand. If you just take every easy decision, it would be very difficult to be authentic. She would encourage you not to shy away from challenging decisions and not to put them off. [23:26] That's easier said than done. When Sierra looks at her to-do list in the morning, if there's something on that list she really doesn't want to do, she does it first. Otherwise, it just falls further down the list, and then goes to the list for tomorrow. [23:47] Those difficult conversations are never as bad as you work them up in your head to be. Just do it and get past it. If you make that a habit, then you tend not to shy away from having the right discussions. It's never as difficult as you can make it out to be in your head. [24:09] Sierra says one of her colleagues at Zurich in the U.S. often says, "Be kind, not nice." Being nice does not serve anyone well. If you don't give people feedback, or don't give them the full story because you want to be nice, it doesn't make sense. [24:32] If you're going to give feedback or make a change, be kind. That purpose helps people move forward and take action. Inaction is the bigger risk than taking action, jumping in, and adapting anywhere you need to adapt, as you go. [25:02] Justin cites a friend of Sierra's, and recent RIMScast guest, Johnell Holly, who said he chooses the hard challenges first and tries to knock them off the list. [25:24] Justin restates Sierra: your authentic self is shown when you make those difficult decisions. That's a great takeaway for the RIMScast audience. Sierra adds that it's important to take positions so that people understand what you stand for as a leader or an individual. [25:53] Sierra says in an organization, people are always going to decide what you stand for. If you don't make it clear, it creates a vacuum, and they'll make assumptions. Sometimes people are tentative or worried about taking a stand. [26:06] Sierra says it's far less risky to take that stand and make it clear what you stand for, because people are going to make an assumption anyway, and they're more likely to get it wrong if you leave it to them to sort out. [26:31] Sierra says she spends a lot of time meeting with customers and brokers. She gets energy from it. It grounds her in reality, which is important if the company wants to add value. They need to understand how things are landing, and what problems they are solving for. [26:53] One of the things that keeps Sierra in this industry, and what she loves about what they do, is that they have the opportunity to help solve some of the world's most complex challenges. [27:06] To do that, they have to get out and talk to people who are facing the challenges, and understand what it means for their business. [27:14] Sierra says, it's also important to spend time with your people. Sierra is in the Chicago office, and when she walks around the floor, she can meet the teams. She loves when they come up and tell her about a big win or something they're building on in the market. [27:39] Another Quick Break! The Spencer Educational Foundation's Funding Their Future Gala 2026 will be held on September 17th in New York City at the Waldorf Astoria. This year, Spencer will honor Sierra Signorelli of Zurich and our recent guest, Marya Propis of RT Specialty. [28:01] A link to the Gala is in this episode's show notes. Sponsorship opportunities are still available. [28:14] We have reached the deadline for the Spencer Educational Foundation's Risk Manager on Campus submissions. Grant awardees, colleges, and universities are typically notified in September. [28:22] General Grants are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [28:33] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [28:42] Let's Conclude Our Interview with Spencer Educational Foundation's Funding Their Future Gala Honoree Sierra Signorelli! [28:57] Justin congratulates Sierra once again on being honored at the Spencer Educational Foundation's Funding Their Future Gala, which will be on September 17th at the world-famous Waldorf Astoria. [29:07] Sierra says she is looking forward to the event. She has been very fortunate to have amazing people who have helped, either giving her great advice through her career, or who have sponsored her, supported her, or advocated for her as she took the next steps in her career. [29:43] Sierra says, it's great to be recognized. As she is recognized, it should be recognition for all of those people who were bold enough to support her, especially early in her career. [30:02] Sierra says Zurich has a long history of engaging with the Spencer Educational Foundation. Zurich's beliefs align with what Spencer is trying to achieve. Zurich believes in bringing a diverse group of people into our industry, and more young people into our industry. [30:23] Sierra says we need to continue to bring new people in. As we look at some of the changes we have as an industry, becoming more digital, leaning more on insights, and reshaping how we show up as an industry, it's a great time for young people to join our industry. [30:47] Sierra says she thinks the industry is undersold. It's a fantastic industry to build a career. She says most people who come into the industry don't leave. It's just convincing them from the beginning.   [31:02] Sierra says, from a Zurich perspective, we have a really robust apprenticeship program that we sponsor to bring youth into and help them gain experience: both on-the-job experience and instructional experience through a two-year program. [31:26] Sierra says that for Zurich, supporting programs such as the Spencer Educational Foundation is a natural fit in continuing to help bring talent into our industry. [31:38] The other 2026 Honoree, Marya Propis, was recently on the show and was one of the first 50 RIMScast guests. Sierra says she and Marya worked together years ago. They also were part of a fantastic sponsored women's program, the Women's Executive Leadership Initiative. [32:14] Sierra says several women who are in key roles in our industry came through that program. It's fantastic to see the success of some of those women, including Marya, and to be honored together in 2026. [32:44] Sierra says it should be a good evening and really nice to reconnect with Marya after having been overseas for quite some time. [33:00] Sierra is also a board member of the St. John's University School of Risk Management and is deeply involved in developing future talent. [33:16] Sierra says it's a really exciting time for our industry. The world of risk is very dynamic now. [33:31] Our capabilities to harness insights and data to streamline what we do to be more efficient to work with, all coming together at the same time, is a huge opportunity to raise the bar to add greater value to companies as they think about how they manage this risk landscape. [34:00] For Sierra, it's an exciting time to bring new perspectives in and entice young people to look at a career in insurance. Sierra repeats that most people who come into our industry don't leave. People leave companies, but they tend to take other insurance roles. [34:30] Sierra says, we just need to get more people interested in what we do and to bring new perspectives and new skillsets into what we do. I know that people will stay once they're here. [35:00] Speaking of knowledge transfer, Sierra says that there are lots of people with many years of experience who want to invest the time with younger people to pass that knowledge on. They don't want it to be lost. [35:19] For people who are curious and want to come in and build a career, it's an amazing opportunity to be able to work with some of the people who have this experience, as well as working with new technologies and capabilities. [35:35] The Waldorf Astoria in New York City has been newly renovated. When people gather at the Waldorf for the Spencer Gala on September 17th to celebrate leaders like Sierra and Marya, they're also investing in the future of the profession. [36:06] Sierra says, first and foremost, she feels fortunate that she's had great support from individuals and also from working for a great company that allows her to do what she does at such a large scale. [36:44] Sierra says the people who sit on the team at Zurich are the shining stars who give us the brand that we have and the capabilities that we have. She would hope that she leaves a legacy that shows that she's helped to improve and raise the bar for what we do as an industry. [37:19] Sierra says that's what she's most passionate about. She thinks that as an industry we can do more. [37:26] We're on the cusp of something great with all of these different dynamics, whether they're the factors of risk that are becoming far greater, or the capabilities we can bring to the table to help the world and companies solve problems. [37:45] Sierra says, if I leave a legacy that I helped some of the building blocks to get us there, I would feel quite good about that, in addition to helping to build talent in our industry, which is something that I'm particularly passionate about. [38:03] Justin says it is a well-deserved honor, and I'm so happy for you. I'm very happy for Marya, as well. You both bring so much to risk management and insurance that it's only fitting that you are honored in the same year. You're both doing great work. [38:21] You're very inspiring for our listeners and, of course, anyone who is involved with Spencer, whether they are staff or beneficiaries of the foundation. You are a shining example of what we hope this profession can continue to be like. [38:40] I want to thank you so much for your time, and I look forward to seeing you in New York City on September 17th, when you accept your award. [38:53] Special thanks again to Sierra Signorelli of Zurich for joining us here on RIMScast. We congratulate her on being named an honoree at this year's Spencer Funding Their Future Gala, which will be held on September 17th in Manhattan at the fabulous Waldorf Astoria. [39:14] Visit SpencerEd.org for more information and be sure to check out recent RIMScast episodes with another honoree from this year, Marya Propis, and Spencer Board Chair, Johnell Holly. Links are in this episode's show notes. [39:30] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [39:47] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [40:04] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [40:17] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [40:30] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! RISKWORLD 2027 Registration | RIMS members can lock in 2026 rates now through Sept. 4 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Opens in July! | www.rims.org/ERM2026 Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available Upcoming RIMS-CRMP Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA — Virtual — July 21‒22, 2026 RIMS-CRMP Exam Prep Workshop — Live In NY — Aug 27‒28! Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Too Hot To Ignore: Heat-Related Injuries and Workers' Compensation" | July 16 | Presented by Zurich "RIMS Student Series: Classroom to Career Part 1" | Sept 1 "RIMS Student Series: Classroom to Career Part 2" | Sept 9   Related RIMScast Episodes: Spencer Honoree "Marya Propis: From Industry Leader to Talent Champion" "Choosing the Challenge with Johnell Holly, Spencer Educational Foundation Board Chair" "Risk Management Momentum with Tim Ryan" (2025 Spencer Honoree) "The Strengths of DE&I Initiatives with Lilian Vanvieldt-Gray of Alliant Insurance Services" (2024 Spencer Honoree)   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Sierra Signorelli, CEO of U.S. and Commercial Insurance at Zurich Spencer Educational Foundation's Funding Their Future 2026 Honoree   Production and engineering provided by Podfly.

Subscribe to This Week in Hospitality wherever you get you podcasts: Spotify - https://open.spotify.com/show/5oPExA0txHMjEI5Ye13IUy Apple Podcasts - https://podcasts.apple.com/us/podcast/this-week-in-hospitality/id1849637233 Youtube - https://www.youtube.com/@ThisWeekinHospitality   James McBride, Co-Founder & CEO of NIHI Hotels, joins the core four for a wide-ranging conversation on what it actually takes to build a legendary independent hospitality brand — from the jungles of Sumba to the halls of the Ritz-Carlton. James traces his career across some of the most storied names in luxury hospitality — Ritz-Carlton, Rosewood, the Carlisle, YTL — before partnering with Chris Burch to build NIHI Sumba, now widely regarded as one of the world's most exceptional and emotionally resonant hotel experiences. He breaks down the difference between operating inside a behemoth brand versus building something from scratch, and what it really costs — personally and professionally — to go independent. The conversation covers demand creation in the pre-algorithm era (think hot cookies at Malaysian airports and a chef moonlighting as a "technology butler"), how a yoga teacher ran NIHI's Instagram for its first five years, and why NIHI's most viral post — horses casting shadows on a beach at sunset — gets mistaken for AI-generated content daily. James also shares his philosophy on guerrilla marketing, the power of generosity as a brand strategy, and why scarcity may be the most underutilized asset in luxury hospitality today. On the business side, James gets candid about partner selection, equity, the emotional toll of betting on yourself, and what independent operators consistently get wrong: great product, poor storytelling. He argues that the GM running a flagged property matters more than the flag itself — that soul can't be systemized, only lived. A masterclass in brand building, emotional hospitality, and the courage it takes to build something the world hasn't seen yet.   Your Hosts: Zach Busekrus — Journey LinkedIn: https://www.linkedin.com/in/zachbusekrus/ Instagram: https://www.instagram.com/behindthestays/   Scott Eddy — Global Travel & Hospitality Expert @MrScottEddy LinkedIn: https://www.linkedin.com/in/mrscotteddy/ Instagram: https://www.instagram.com/mrscotteddy/   Ben Wolff — Founder of Onera & Oasi LinkedIn: https://www.linkedin.com/in/ben-wolff/ Instagram: https://www.instagram.com/iambenwolff/   Edwin Kramer — Luxury Hotelier Consultant & Former GM LinkedIn: https://www.linkedin.com/in/edwinckramer/ Instagram: https://www.instagram.com/edwinkramer/

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Jeff McKissack about participating and speaking at RIMS events, and his upcoming RIMS Texas Regional Conference session on August 11th in San Antonio, on the increasing overlap between reputation management and risk management. Jeff shares the critical impact of reputation risk and the growing threat of AI-generated content. He explains how even executives have caused reputational damage to their organizations, and he reveals a practical step that risk managers can take immediately to reduce the likelihood of reputation-related incidents and subsequent litigation. Justin and Jeff discuss the RIMS Texas Regional Conference, and how you can connect with Jeff after his presentation.   Listen for ways to implement reputation management strategies in your organization.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will be joined by Jeff McKissack of Defense by Design to talk all about reputation risk management. But first… [:39] RIMS-CRMP Workshop. We are delighted to announce that on August 27th and 28th, RIMS President Manny Padilla will be leading the two-day in-person workshop at St. John's University at 101 Astor Place in New York City. A link to the registration is in this episode's show notes. [:59] RIMS-CRMP Virtual Workshops. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Registration links are in this episode's notes. [1:11] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:25] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:41] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:55] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [2:04] You can enroll now in the Virtual RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. ET. The registration link is in the show notes. [2:28] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration will open in July. Be on the lookout for the call for nominations for the RIMS ERM Global Award of Distinction. Visit RIMS.org/ERM2026 in July for that announcement. [2:49] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [3:08] On with the Show! Our guest today is the Founder of Defense by Design, Jeff McKissack, a noted authority in the fields of threat assessment and the prevention of violent crime, with over 35 years of experience. [3:22] Jeff provides continuing education seminars for those in the educational, medical, legal, financial, real estate, human resources, and risk management sectors. He is one of the favorite speakers in the RIMS Texas Chapters. [3:36] You can find him at the RIMS Texas Regional Conference 2026 on August 11th at 1:45, when he will present "How Reputation Management is Impacting Risk Management." [3:46] As you will hear in this interview, his session at the RIMS Texas Regional will dovetail with the Risks of Physical Harm and Violence. He's here to provide a preview of his session. [3:55] We talk about the Risk Management impact of social media, AI, and deepfake technologies on operations and profits, and how employee activity online and off the clock can ripple through staffing, operations, morale, productivity, profits, and brand image.  [4:10] This episode is a year in the making. Let's get to it! [4:12] Interview! Jeff McKissack, Welcome to RIMScast! [4:29] Jeff has a strong history with RIMS and the RIMS Texas Chapters. He has spoken at DFW RIMS on several occasions. Jeff Strege brought Jeff down to speak at Houston RIMS. He spoke at a couple of conferences co-hosted by South Texas RIMS. [4:59] Last year, Jeff was at the Inaugural Texas Regional RIMS Conference in San Antonio. He's there again this year. [5:15] Jeff loves RIMS, in general, because he doesn't have to explain himself. When he speaks to HR or risk management, his two favorite positions, even above the C-Suite, risk managers and HR directors totally get what he does and why.  [5:34] Jeff says the common response he typically gets is they've never met anybody who does what he does or speaks the language he speaks. He's heard it for 39 years. He loves speaking to people in risk and insurance companies because he speaks the language of liability. [5:54] Jeff does a lot of work with attorneys, as well, on both sides. He tells folks he's trilingual because of all these different industries. He's multifaceted. [6:06] Jeff talks about years of working with risk professionals and feeling their pain points. He reverse-engineers many of those scenarios. He asks, Where are the points where this could have been prevented, or at the bare minimum, mitigated? [6:43] A president of an association of independent electrical contractors called him for help. He asked, You have people working hours, in isolated locations, with expensive equipment on their trucks? What could go wrong? Without much of a push, he's able to jump in and help. [7:20] Jeff says there are only three types of businesses: businesses that have internal employees, businesses that have external employees, and businesses that have both. The risks for those three categories are very different from each other. [7:40] Jeff explains some of the differences in risks between having internal employees operating equipment and external employees in trucks on the road with equipment. There are different security concerns, risk concerns, and liability concerns. Address all the concerns. [8:16] Jeff recently saw a police video of a dump truck plowing through an intersection, with its brakes out, into a ravine. Fortunately, no one was killed. Why did the brakes give out? Who was responsible for checking them? They dodged a major bullet by nobody being injured or killed. [9:11] Jeff says he has three wheelhouses: physical risk, data risk, and reputational risk. He doesn't do active shooter training. He deals with factors that can lead to an active shooter before the shooting happens. He deals in prevention, not in reaction. [9:42] Jeff doesn't deal in cybersecurity but in data. He doesn't talk about people who hack your computers; he talks about people who hack your people. That bleeds over into reputation management. [9:57] Reputation management, with the internet and social media, has taken on a different dynamic. [10:07] Either your employees go online and self-incriminate themselves by putting something out there to the world that reflects upon your company, or they do something off the clock that can still have an impact on your company and its reputation. [10:22] Jeff mentions two courtrooms that we want to avoid: an actual courtroom, and the court of popular opinion. [11:01] Jeff says some things before social media still ended up being headline stories in the traditional media that reflected negatively upon employers. Social media has massively amplified that dynamic. [11:31] Jeff's talk is about how reputation management is impacting risk management. It will be held on August 11th at 1:45 p.m. during the RIMS Texas Regional Conference 2026. It examines how reputation management and risk management increasingly overlap. [11:53] Jeff says risk management and HR management often think that whatever happens off the clock is not on them — until it is. There was an Assistant District Attorney some months ago who walked out of a bar "two out of three sheets to the wind." [12:17] The cops wanted her to get an Uber and go home. She made a huge scene about it, captured on the bodycams. She ended up being arrested. "You don't know who I am. You can't do this to me!" The next day, not only was she fired, she lost her license. [12:33] There are YouTube channels devoted to police bodycams. People and companies suffer the reputational consequences of those videos. Once they're on YouTube, they go viral. [12:54] A lot of channels have hundreds of thousands to millions of views, reflecting on a company's public image, even though it was one of their employees off the clock. [13:40] Jeff says the biggest thing is education and training. We think people know what we know and the way we think. No, they don't. Jeff compares it to schools teaching social ills. As risk managers, you need to teach employees responsibility if you want to change their behavior. [14:40] Jeff says, Do not expect what you do not inspect. [14:50] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [15:09] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through the 12th at the Grand Hyatt on the San Antonio River Walk. Visit RIMS.org/Events for registration information. [15:26] The hotel cutoff date is July 10th. Reservations may still be made after the cutoff date subject to availability; however, the negotiated group rate is no longer guaranteed past July 10th, so reserve now. [15:40] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [15:51] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [16:08] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [16:24] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [16:39] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration opens in July. [16:49] Be on the lookout for an announcement about submissions for the RIMS Global ERM Award of Distinction. Visit RIMS.org/ERM2026.  [17:00] Let's Return to Our Interview with Jeff McKissack! [17:07] Jeff says some of these reputational concerns have been C-Suite executives. Jeff just taught about a mayor arrested in Kentucky for shoplifting a $70 pair of shorts at a department store. Jeff guesses the mayor felt he was owed those shorts. [17:32] Last week, Jeff was talking about a city manager in Texas who felt it was a good idea, when she took her employees to a conference, to take them to a local strip club that night. After a few drinks, she got up on stage and started dancing around the pole. [17:46] Somebody recorded that and put it on social media, and the city manager got fired. City managers aren't easy to come by. In risk management, we have to understand that when these types of things occur, they impact multiple areas, both immediately and simultaneously. [18:05] These incidents affect staffing, operations, morale, productivity, profits, and public image. Every one of those six areas has associated dollar figures. This is why reputation management now must be taken into consideration under risk management. [18:50] Jeff says if I get an employee compromised in a controversial, scandalous, or criminal situation, whether I capture them on camera, or if I create the environment for said compromise to occur, and I set them up to be on camera, do I have them in the palm of my hand? [19:25] Reputational concerns, if they're not addressed and talked about before, and an employee gets caught in something that happens or was made to happen, it can be used as blackmail to have them do things internally because they have access that outside parties want. [20:08] About a year ago, Jeff says a case made national news of a high school principal who was facing the wrath of his community because of a racial rant he was supposedly caught saying as the principal of a school with minority students. [20:27] It came out that the athletic director had taken a digital sample of the principal's voice, maybe from a voicemail, and created an entire verbal tirade from scratch. That was proven through forensics. [20:47] Meanwhile, the principal had almost lost his job and career and was facing physical threats to his family from the public over something that had never happened. That showed Jeff we were entering a new atmosphere. [21:03] Jeff says, Sora 2, one of the newer AI video platforms,  has already been called out for causing problems for police because people are creating videos of real people committing not-so-real crimes. With AI, it looks real. [21:19] Jeff describes a hypothetical situation where an AI video would be used to charge an employee of a crime, leading to an arrest and a record. Think of the liabilities you and your company would face. None of those are cheap. [22:02] Justin asks about verifying the legitimacy of a video. Jeff says there is software out there that does a pretty good job of figuring out if this video is AI-generated. [22:32] What camera captured the action? Was it an internal, company-owned camera, or something someone supposedly captured on a phone camera? One of those is more susceptible to manipulation. [22:53] Now, you have to be a little bit skeptical. Never has there been a more important time in our history to live by the adage, "Innocent until proven guilty." Jeff says a healthy dose of skepticism is called awareness. [23:50] Everybody has vulnerabilities. The first step in preventing a lot of these things from occurring is recognizing your own vulnerabilities, stereotypes, and false premises. Jeff says stereotyping is judging based on appearances; profiling is judging based on behaviors. [24:26] Jeff says you almost have to go into this blind, deaf, and dumb to do a true, analytical, unbiased evaluation. [24:34] Sponsorships! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. RIMScast is proud of its longstanding relationships with AXA XL, Global Risk Consultants, Alliant, Zurich, and more. [24:57] Links to many of these episodes are in the show notes. RIMScast sponsorships can be bundled with whitepapers and webinar sponsorships. [25:04] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! [25:18] Reach out to Ted Donovan at  TDonovan@RIMS.org or Sales@RIMS.org. Let's find the best opportunity for you and your organization. [25:30] Let's Conclude Our Interview with Jeff McKissack! [25:54] You can't do anything about the various AI generation platforms out there. People, for the most part, are using them for all the right reasons. The thing you have to be concerned about is if it's used to accuse someone of something. [26:10] Jeff describes speaking to the Society of Government Meeting Professionals. They are meeting planners for all the alphabet agencies, the Department of War, FAA, CDC, and more. Jeff has spoken at their annual conference for years. [26:26] Jeff told them, you're bringing all these people here for an annual conference at one place, at one time, under one roof. Who do you think might want to compromise someone there, so that by the time they return home, they've been puppeteered? [26:44] Jeff is getting these meeting planners to start thinking about security in a different way, and educating the people. [26:50] "Hey, we love having you here, but when you go out to bars and restaurants, here are some things you need to think of, because some people here may know who you are and what you represent by way of access." [26:38] Jeff says, if something happens, and they get lured back to a hotel room, for various things, and they get slipped a Mickey and pass out, and a couple of weeks later they get a video by text or email, they don't even know if it's a deep fake or not because they were blacked out. [27:27] These are things we all have to understand how easy it is. Jeff constantly admonishes employees, when he speaks at that level, to remember it's not about them. They may not have wealth, but they absolutely represent access to things that people want. [27:48] You have to understand that you may have a target on your back you don't realize you have. When people approach you, ask yourself, does everything that happens in Vegas stay in Vegas? Or does it stay on social media and YouTube? YouTube remembers. [28:50] Jeff shares something from his presentation. The first step is not the stopping point. The first step is "Do you have a social media agreement in writing that your employees have signed?" If not, you, HR, and your General Counsel need to get together and word-smith it, ASAP. [29:18] Jeff says he talked to a VP of a company with over 8,000 employees. When the VP was hired as a VP, he was paid to sign two documents. He was paid $50 to sign the NDA, so he wouldn't take the sales list if he left. He was paid $100 to sign their social media agreement. [29:39] The company was more concerned about him doing something that impacted its public image than about taking the client list. First step is to wordsmith that agreement and how you incorporate it into a Code of Conduct as far as the off-the-clock expectations. [30:08] Jeff shares a case from New York City where a young sitting judge had an OnlyFans page. He was fired for it and tried to fight it. He lost because the verbiage in the City Manual for his position said: "extra-judicial activities … do not detract from the dignity of judicial office." [31:02] Jeff spoke at a risk management conference. He showed three lawsuits that were settled in the last two weeks: $125K, $225K, $485K for employees at state and government universities, entities, and institutions over the Charlie Kirk assassination. They had been fired.  [31:20] They came back and sued for wrongful termination and got settlements because there was nothing written that dictated employee behaviors online. [31:45] You've got to have the paper trail or digital trail. If it's not in the Employee Handbook, add it as an addendum they sign, and put it in their file. [31:57] Next year, when new hires come on board, have it as part of the Employee Handbook, whether it's the social media agreement and/or your expectations/code of conduct. At the bare minimum, have those things in order. That's your starting point. [32:40] Jeff says when you hire someone, treat the Handbook like the Apple Agreement. Going into detail about the policy is best addressed in education and training. [32:59] Jeff talks not only to executives but also to employees. The biggest thing he is trying to get HR, Risk Management, and the C-Suite to understand is that if you're going to alter the behaviors, you've got to teach them what to do otherwise. [33:30] You're not going to get your employees to go cold-turkey on social media, but you can teach them to apply critical thinking skills so that they police themselves and you don't have to. [33:45] You have to do it in a way that tells them what's in it for them. People expect them to come home with a paycheck. Tell them all their plans can be interrupted if they do something foolish now. [34:39] Sometimes, Jeff does not have time in the session to take questions from the audience. He always tells folks he'll be around in the hallways because they may have questions they don't want to ask in front of everybody else there. Or, reach out to him on LinkedIn, or call him. [35:22] In this arena, a lot of people don't want to put out their concerns. Justin says Jeff is very approachable. He wears a hat, and it has become a branding point for him. Justin asked him for a headshot with the hat, to make him more recognizable, because people know him in Texas. [36:58] Justin asks about other cases involving social media outside of work. Jeff refers to the city manager who was let go because of a pole dance that showed up on YouTube, and the shoplifting mayor, also on YouTube. The judge had a side gig that was questionable behavior. [37:35] Jeff says some teachers have been fired over video where they had their kids in the background in the classroom while they were twerking, or dancing with kids. One teacher had his students give him a haircut in the classroom. [37:51] Jeff recalls the wording cited from the City Handbook about the dignity of the office. That covers a lot. Things like that are subjective, but most people know it when they see it. [38:15] Justin asks if we're in a society where you have to live your life assuming that everything is going to be broadcast? Jeff wouldn't say broadcast, but at least captured on camera. [38:25] When Jeff is doing employee training, he goes through cameras that are on the market. You're only thinking of the cameras you see. You are not thinking of cameras that could be out there, recording you. The ATM captures you and looks across the street. [38:52] When Jeff parks in maybe a questionable area, he always tries to find a Tesla. On average, there are seven or eight cameras around that Tesla. He'll take a picture of the license plate of the Tesla next to him, so if anything happens, he can give the picture to the cops. [39:38] Jeff says he relays to people, executives and employees alike, strategies, critical thinking. How do you use technology to your favor instead of having it used against you? [39:51] Jeff McKissack, thank you so much for joining us here on RIMScast. Jeff says he is looking forward to seeing you all in August! [39:58] Special thanks again to Jeff McKissack of Defense by Design. Be sure to attend his session at the RIMS Texas Regional Conference in San Antonio at the Grand Hyatt on the San Antonio River Walk on August 11th. [40:13] Jeff McKissack will deliver the presentation, "How Reputation Management is Impacting Risk Management," at 1:45 p.m. Be sure to follow up with him in the hallways afterwards and let him know that you heard him here on RIMScast. [40:27] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [40:44] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [41:00] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [41:14] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [41:26] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available RIMScast on YouTube! "RIMS-CRO Certificate Program In Advanced Enterprise Risk Management" | July‒Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Opens in July! | www.RIMS.org/ERM2026 Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Defense by Design Upcoming RIMS-CRMP Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA — Virtual — July 21‒22, 2026 RIMS-CRMP Exam Prep Workshop — Live In NY — Aug 27‒28! Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Too Hot To Ignore: Heat-Related Injuries and Workers' Compensation" | July 16 | Presented by Zurich "RIMS Student Series: Classroom to Career Part 1" | Sept 1 "RIMS Student Series: Classroom to Career Part 2" | Sept 9   Related RIMScast Episodes: "Strategy and Change with Ward Ching and Aaron Olson" "Mid-Year Risk Roundup 2026 with Morgan O'Rourke and Hilary Tuttle" "Live From Texas 2025!" "Leadership Lessons with Major General (Ret.) Robert F. Whittle Jr., RIMS Texas 2025 Keynote" "Risk and Clarity with Huw Edwards, RIMS Texas 2025 Keynote"   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Jeff McKissack, President, Defense By Design   Production and engineering provided by Podfly.  

Hosts Angie Sparks and Justin Walter open with a member highlight—Lori's Northern Lights trip to Finland with her son—before diving into a busy news week. Wyndham Rewards is overhauling its award chart to four fixed tiers (5,000–45,000 points/night) starting September 15, 2026, with most hotels expected to stay in the lower tiers. Asiana Airlines will exit Star Alliance on December 16, 2026 as part of its Korean Air merger, though bookings and elite benefits continue as normal until then. One Key Rewards (Expedia/Hotels.com/Vrbo) is making changes effective July 28 that look like a net negative—boosting non-flight earning to 3% OneKeyCash while killing flight earnings and dropping its Hotel Price Guarantee. And Bilt Rewards added Preferred Hotels & Resorts' “I Prefer” program as a new transfer partner as of June 22.On the personal front, Angie's chasing spend on an Alaska business card and two Amex Business Platinum cards (timed conveniently around their Milwaukee meetup payments), plus deposits down for Morocco and golf trip tours—now hunting flights to Ireland for four. Justin knocked out bonuses on a United Explorer and Citi AAdvantage card, celebrated landing a Ritz-Carlton card in the household, and is weighing Delta One vs. AA business class for a Rome trip while a Munich trip hangs in the balance.The main topic tackles whether Delta SkyMiles still deserves its “SkyPesos” reputation, pointing to a string of elevated card offers and Thrifty Traveler Premium alerts suggesting real value can be found with the right search strategy (round-trip searches often price better). They close with a timely tip: burn those credit card credits before June ends—Justin's using his Uber credit on dinner that very night.Where to Find UsThe Award Travel 101 Facebook Community.To book time with our team, check out Award Travel 1-on-1.You can also email us at 101@award.travelBuy your Award Travel 101 Merch hereReserve tickets to our Late Summer 2026 Meetup in Milwaukee now. award.travel/mke2026Our partner CardPointers helps us get the most from our cards. Signup today at https://cardpointers.com/at101 for a 30% discount on annual and lifetime subscriptions! Lastly, we appreciate your support of the AT101 Podcast/Community when you signup for your next card!Technical note: Some user experience difficulty streaming the podcast while connected to a VPN. If you have difficulty, disconnect from your VPN.  

Only 20% of employees worldwide are engaged — and AI is about to test that fragile number. In this episode, Joseph Michelli draws on Gallup's latest global data and a Ritz-Carlton lesson in trust to explain why AI leaks engagement before it breaks it, why your managers carry 70% of the outcome, and three moves leaders can make to turn the leak into lift.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews RIMS Vice President of Content & Publications, Morgan O'Rourke, and RIMS Risk Management Magazine Managing Editor, Hilary Tuttle, on the Q2 digital edition online now. The discussion starts with Hilary's Hurricane prediction and the risks associated with storms. They discussed the risks of applying AI in the risk industry, and how using it for the simple tasks means your remaining tasks are the hard ones. To get the best results, be polite to your AI! Justin asks about Red Teaming, its purpose, and how it operates. Human behavior is an important consideration in risk management.   Listen for pointers on what to do as a risk manager for the rest of 2026, and some things to avoid.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. This is our mid-year risk review, and we will be rejoined by Morgan O'Rourke and Hilary Tuttle. They are here to discuss the major trends shaping the risk landscape; what's happened so far in 2026, and what we can look forward to. But first… [:47] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Registration links are in this episode's notes. [:58] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:13] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:29] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:42] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [1:52] You can enroll now in the RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. Eastern Time. The registration link is in the show notes. [2:16] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration will open in July. Be on the lookout for the call for nominations for the RIMS ERM Global Award of Distinction. Visit RIMS.org/ERM2026 in July for that announcement. [2:37] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:55] On with the Show! We are in the middle of the year, and that means that it's time for our mid-year risk review with two of my favorite people, Morgan O'Rourke, RIMS Vice President of Content & Publications, and Hilary Tuttle, Managing Editor of RIMS Risk Management Magazine.  [3:14] Morgan and Hilary are joining us today to discuss some of the highlights of the Q2 Edition of RIMS Risk Management Magazine, which is available now. [3:21] We're going to talk about hurricane preparedness, reputation, red-teaming, AI, and other emerging trends that risk professionals should be aware of, avoiding, and embracing. We're going to have a lot of fun! Let's get to it! [3:35] Interview! Morgan O'Rourke and Hilary Tuttle, Welcome Back to RIMScast! [3:42] Justin mentions that the Publications Department is a team of five. After nine years, Justin is still the second-newest person. [4:29] Morgan says Risk Management Magazine has articles going up every week. Every quarter, they have a digital issue, reminiscent of a physical magazine, with pages and a table of contents. When this episode is released, the Q2 digital issue was published a week ago. [4:54] RIMS Risk Management Magazine has occasional special issues, on ERM and the Special RISKWORLD Awards Issue. Hilary says the Editor's Picks are articles you may have missed on the website. Morgan says it's sometimes new stuff, or archival stuff that's still relevant. [5:30] Morgan says they try to publish in a frequency and format that everybody can appreciate. Morgan and Hilary miss the physical print magazine. Justin thinks they've maintained the essence of the print magazine. Morgan says that's what the digital magazines are meant to do. [6:22] Morgan says print is not necessarily the way that everybody consumes things nowadays, so you've got to be where everybody's attention is, and that's what we're trying to do. [6:40] The Marquee article in the Q2 digital edition is Hilary's coverage of the 2026 hurricane season outlook. Hilary is well-versed in hurricane preparedness and seasonal outlooks. Hilary says this year, a lot of the forecasts are calling for a below-average season. [7:26] This year, Hilary focused on factors that will make the season different. She focused on macroeconomic volatility, geopolitical instability, and U.S. Federal budget cuts as some of the biggest complications this year that are making a fragile and challenging recovery landscape. [8:03] Hilary says we talk about increased prices in disaster materials, preparation materials, supply problems, and a Federal support system characterized by defunding or dysfunction, and what that means for risk managers tasked with hurricane preparation or recovery. [8:43] Hilary says, looking beyond the forecast, it's important to assess how your resilience strategy is going to hold up in practice. Even a single landfall is going to be more expensive, potentially. The cost may be higher than ever. Response materials are 40% more expensive. [9:28] Justin says we had a risk engineer from Global Risk Consultants on the show recently, talking about the physical preparations, 48 hours, 36 hours, and 24 hours before an impact. [9:56] Hilary says, between materials shortages and price increases, the supply chain is potentially going to be a huge problem for disaster preparation and responses. Getting things is difficult with the Strait of Hormuz closed. People are seeing it across industries and materials. [10:22] Some response materials are also going to be more expensive because of the increased cost of oil. Hilary found that interesting when reporting the piece. Generator fuel is drastically more expensive than it has been. [10:43] It's a best practice to have 72 hours' worth per generator on site, if you're in a high-risk area. [11:55] Materials that require petrochemical input include plywood and structural lumber. Boarding your windows is going to be more expensive, if you can get it. Transport costs are going to be drastically higher. [11:11] Heavy-duty plastic sheeting is a petrochemical-related product. Some products also use by-products of the crude oil production: polymers, petroleum derivatives, and plastics, like rubber seals. All of those will be more expensive as crude oil fluctuates. [11:40] Morgan says you have to prepare for increased costs. You may be underinsured for the costs of materials you may have insured for in the beginning. Be aware of increased costs and do what you can to prepare, whether by increasing coverage or buying more in bulk. [12:10] If you're going to face increased costs, the more you do beforehand to offset those costs is probably for the better. Hilary says she put together 10 detailed and useful tips. One thing that she bumped up the list is to revisit your insurance values and policy limits. [12:40] Hilary thinks the risk of underinsurance is worth underscoring this year. It is going to be drastically more expensive to rebuild. Make sure you have the coverage you need to cover those expenses and the expenses of potentially needing to relocate when things are closed. [12:56] Car parts are drastically more expensive, so if you operate fleets, it's worth noting that those metals are delayed and pricier because of tariffs and supply chain problems. [13:11] Hilary says it's also worth noting that we had Tropical Storm Arthur last week. It never reached hurricane strength, but it still managed to do four to six billion dollars in damage, according to initial estimates from AccuWeather. [13:27] Tropical Storm Arthur hit the Gulf Coast and did a lot of damage in terms of business interruption, delayed flights, and extended power outages. In terms of business continuity, it doesn't need to be a hurricane to do a tremendous amount of damage. [13:47] AccuWeather says the hurricane classification system is solely based on wind speed. Wind does not do as much damage as water. Storm surge, inland flooding, and water damage are not reflected in hurricane classification. We shouldn't just be concerned about hurricanes. [14:21] The peril and the need for preparation are just as dramatic for other storms. [14:28] Morgan notes that the storm season started on June 1st, and we had a billion-dollar potential damage storm within a week or so. Hilary says it's one of the earliest we've seen. [14:46] Morgan says they're usually more in the fall. In some years, we've seen tropical storms before the season. Storms are not necessarily confined to the Atlantic Coast. There are Pacific storms to take into account. [15:18] Morgan learned about Pacific storms from Hilary. In between Hilary's article drafts, there were three Pacific hurricanes that formed, so she had to update the story. The Super El Niño is the climate pattern that creates these storms in the Eastern Pacific.  [15:47] With the Super El Niño, you get more activity in the Eastern Pacific and less in the Atlantic because of warmer waters in the Pacific and more Trade Winds in the Atlantic that act to break up storm formation. [16:05] Parts of Central America, Mexico, and the West Coast are going to be at increased risk. Hawaii, as well. Morgan says one of the more impactful storms on the Pacific was named Hilary in 2023. Hilary was a billion-dollar storm that killed three people. [17:21] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [17:40] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. [17:51] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [18:01] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [18:18] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [18:35] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [18:50] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration opens in July. [19:01] Be on the lookout for an announcement about submissions for the RIMS Global ERM Award of Distinction. Visit RIMS.org/ERM2026.  [19:12] Let's Return to Our Interview with RIMS Risk Management Magazine's Hilary Tuttle and Morgan O'Rourke! [19:31] Justin says artificial intelligence is on people's minds. It's evolved into a data governance and operational risk challenge. [19:52] Morgan's first reaction concerning AI is, "What else can we say about this?" There is a little bit of burnout about AI. Hilary says we get so many articles. Morgan says there does need to be attention paid. What are your AI use policies? Are your employees introducing risk with AI?  [20:42] Morgan says there was a cybersecurity survey cited in the issue. The biggest risks they are seeing are misinformation and disinformation. IT people don't consider themselves or their companies prepared to identify those risks across the board. Justin quotes that ISACA poll. [21:45] Hilary says you're seeing a lot of shadowy AI use; a lot of unlicensed and unsanctioned use. If your company allows you to use Copilot, but you're using ChatGPT and Gemini, that's unsanctioned use. [22:15] Morgan says dropping an entire report in that might be proprietary information, to distill that into a public environment; not just opening the program, but what you're putting into it, may be stuff that no one would want out. [22:31] Hilary says a recent study showed that 90% of organizations have employees who regularly use personal AI tools at work. Forty percent of companies have bought official subscriptions to AI services because they get different privacy protections than free versions. [22:51] Fifty percent of companies are running on shadow AI. They're either letting employees foot the bill by using personal subscriptions or using a free mode, and that's a disaster. One of the things a lot of organizations aren't thinking about is the cost of subscriptions and tokens. [23:10] A lot of companies that are starting to adopt AI at a large scale and are footing that bill are running into astoundingly large bills for these services and not factoring in that it is not free computing power. It is not a free tool. [23:28] Now that some of these companies are going IPO, if tools are free, they're not going to stay free. Morgan says, it's one of those things that, although it's not necessarily something you want to hear for the fifteenth time, it doesn't mean you shouldn't be doing something about it. [24:03] Hilary adds that hidden costs are a big thing people aren't thinking about. People are thinking about governance, which is incredibly important. The market for that is also booming. People have an interest in making you afraid of it, as well as selling it to you in the first place. [24:22] Hilary says, the governance market is going from $200+ million two years ago to an estimated three or four billion dollars by 2037. It's a huge industry to make you dependent on AI and to charge you to govern it or make it safer. [24:43] Hillary says we're seeing studies that companies have made huge investments in AI, and are not seeing an ROI. A recent study showed that 5% of organizations have had transformative ROIs. The other 95% said there is zero measurable impact on Profit & Loss, if not a net negative. [25:10] Hilary says one CEO said that unless it's for coding specifically, we're not going to get monetary value whatsoever out of AI. A lot of companies that have fired people are starting to reverse course really quickly. [25:24] Hilary says companies that make AI are walking back a lot of their claims about how transformative it's going to be. They had said there would be a job apocalypse because widespread job automation would be so easy. They're walking that claim back. [25:47] The COO of Uber said that gains in productivity were absolutely nothing compared to the increased AI-related expenses they are experiencing. They're walking back a lot of their investment. [25:58] The former Chief of AI at Microsoft said that employees default to automating tasks that they dislike, rather than ones that create value. Morgan says it speaks to being practical about what you're going to get out of it, as opposed to it being a magic button to press. [26:28] Morgan says that in the early going of anything, there's a spike of promise and then reality kicks in. AI is not going to be tossed aside. Hilary says there's a hype bubble around AI, that AI is for everything, and that AI would replace everyone. Companies are laying off. [26:59] Hilary says last year, 125,000 tech workers lost their jobs. In 2026 through June, already 120,000 tech workers have lost jobs. We are seeing an overinflated promise of what AI is going to be. People are slowly beginning to realize AI is to augment employees, not replace them. [27:25] Morgan says there's a push for "the human in the loop." People have come to recognize that we can't leave people out of this, if only to check the accuracy of results. You can't replace workers because there's stuff that the AI can't do. [27:42] Morgan says AI is always going to tell you what you want to hear. It's going to give you stuff that's already out there. It's not giving you new information; it's just distilling it differently. [27:55] Hilary says there's an important core competency people need to be developing now. Taking a quick look at a thing and saying it makes sense is not an adequate amount of oversight to provide for things you're using AI for, particularly as you start using it more and more. [28:14] AI is structured to give you things it thinks you want, or to predict what you would do. The results may seem well-written, but you must pay attention to what's in it and whether it makes sense. [28:33] Hilary says some people submit stories to RIMS Risk Management Magazine that simply restate things; they don't explore ideas. With AI, don't just look to approve it; look to assess it and analyze what it is doing before you put it forward. [29:14] Hilary says, to be very clear, RIMS Risk Management Magazine does not accept articles that are written by AI. When it comes to articles about AI, they've seen just about everything. [30:11] Morgan says he would probably be interested in practical use cases that are not promotional, if somebody found some success using AI, that fellow risk professionals could benefit from, as well, and not something so proprietary that it only works for their company. [30:26] Morgan says it should be something like where AI might be able to help risk managers in general. A lot of people are using AI for different things. It's not about the only best practice, but helping the magazine establish a list of best practices for AI in the risk process. [30:50] Hilary says it's also helpful to get articles that have practical guidance on what people are using that is useful in terms of governance. How are they crafting effective policies? [31:01] How are they working to train their workforce on best practices so they're using AI responsibly and getting the most out of it? How are they exploring the ideas of customization, if that is something their company is doing in-house? Practical articles. [31:17] Hilary says she is seeing a lot of articles on legal exposure and how that is shaping up since all of the case law is so nascent. What are the exposures? What are the liabilities other organizations are learning in real time that you can start guarding against? [31:35] Morgan says there are a lot of cases working through without a lot of precedent. Some of these cases will become precedents. Four years ago, everyone was talking about basic, general risks. Now we are talking about specific risks of real applications. [32:04] Hilary says there is interest in the costs of AI. That's underexplored and would be interesting to read about. Are companies seeing that it's having impacts they haven't anticipated? Every prompt you give to ChatGPT, even 'thank you," is a payment to OpenAI. [32:54] Hilary says a study showed that 80% of people are saying "please" and "thank you" to the AI because they don't want to make it angry; 18% are doing it because they say it's just the right thing to do. Hilary puts "thank you" at the end of a prompt, so it's not an extra prompt. [33:22] Hilary says, some AI platforms perform better when you talk to them politely. ChatGPT will give you more coherent, nicer, and polished answers if your input is polite. Morgan refers to the Terminator movies. Hilary says, You want to be polite, but you don't want to be empowering. [34:02] Hilary says, in a video from the American Psychological Association, a professor from Michigan State talked about the underappreciated problem with AI, that if you automate the easy parts of your job, then 100% of your job is the hard parts, a guaranteed ticket to burnout. [34:39] You've made the easy wins and the low-level stuff that your brain needs to recover, a part of your job that you don't get to do. You don't get those bits. Everything is complicated, difficult, and exhausting. That's not how the brain is designed to function. [35:00] Morgan says, We don't want AI to do the fun or easy stuff. Hilary says, Think of a call center. If it's a simple thing, like "What time do you open?", or "Do I have a warranty?", AI can close them easily. That leaves you with a furious customer yelling at you for 20 minutes. [35:25] If that's all you do, all day, every day, what is your life going to be like? Then you start putting things on hold because you need a second. If your goal was efficiency, you're not making it more efficient; you're adding more buffer time because you can't handle that all the time. [35:59] Another Quick Break! The Spencer Educational Foundation's Funding Their Future Gala 2026 will be held on September 17th in New York City at the Waldorf Astoria. This year, Spencer will honor Sierra Signorelli of Zurich and our recent guest, Marya Propis of RT Specialty. [36:19] A link to the Gala is in this episode's show notes. [36:21] We have reached the deadline for the Spencer Educational Foundation's Risk Manager on Campus submissions. Grant awardees, colleges, and universities are typically notified in September. [36:37] General Grants are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [36:48] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [36:56] Let's Conclude Our Interview with Morgan O'Rourke and Hilary Tuttle of RIMS Sisk Management Magazine! [37:09] Morgan and Hilary have released the Q2 Digital Issue of RIMS Risk Management Magazine. There's an article about red teaming. Morgan says Red teaming is conducting a crisis simulation. You have a team that is the adversary, challenging your assumptions and plans. [38:04] Hilary says they are immersive exercises that involve some form of offense and defense. It's basically wargaming. [39:10] The feature on reputation red teaming suggests that organizations need to prepare for the first 48 hours. In a crisis, it's the first 48 hours of the crisis as much as the crisis itself. [39:40] Morgan says social media is going to amplify the impact of a crisis immediately. Consider the knee-jerk reactions you see online to anything that's happening. If your company loses control of the narrative, people are telling a story that isn't your story and isn't accurate.  [39:55] Morgan says there was a story that Jeff Bezos had said that we should be using water for AI purposes rather than human consumption because AI will solve more problems. But Jeff Bezos never said that. Social media amplifies something before people question its validity. [40:37] Morgan says we're in an environment where "crazy," more often than not, sounds possible. Hilary says social media is a force multiplier for a lot, particularly when there are zero content moderation controls, leading to misinformation, disinformation, and hate speech. [41:04] Morgan points out that even with moderation, something can be put up and seen before it's moderated. The Bezos story is on Snopes that it's not true, but how many people follow up a story like that after they see the headline? They might not know where they saw it. [41:34] The point of throwing these reputation red teaming exercises together is to acknowledge the fact that not only do you need a plan, but the plan has to be in place to be able to move quickly. [41:44] When it comes to a crisis that happens within your organization, one of the biggest parts of it is the reputation elements. People run with it, "Not only is this a bad thing an organization did, or a questionable thing, but they're terrible for it and irredeemable." [42:04] If you can't put out a statement in the first 12 hours after something happens, because you weren't ready for it, that means you entirely miss out on any opportunity to correct that misinformation and be a part of the narrative that actually steers the conversation. [42:30] Morgan speaks about attention spans. People see a headline and then move on to the next headline. Your first impression may be their only impression. Act quickly. Have the people in place and the plans in place. The exercise is for people to poke holes in your plan. [42:59] Justin says it's a good article, and the author, Ted Skinner, gives you actionable takeaways. Morgan likes the article but had not heard of red teaming. [44:05] Hilary says red teaming is very common in cybersecurity. This is the first time they have run across it in other applications. [44:48] Justin brings up human behavior. It's in the Q2 issue. It permeates every risk. You can't just let AI do your job for you; you have to put a human perspective and input into it. Human behavior impacts employee misconduct. There was an article on it in the RIMS Weekend Read. [45:17] Employee misconduct is on the minds of risk professionals and executives. [45:27] Morgan says culture is a good stopgap measure to have. A risk manager can't be everywhere at once. If your organization has a risk-aware culture, it can stand in for you when you're not around. If everyone's aware of risk, you don't have to be the only person watching. [46:02] Hilary says culture is your sunscreen. It's your everyday, it's your automatic. It's the thing that you need to do to prevent the majority of photoaging and skin cancer. Some of the more subject-specific areas are your serums to spot treat your hyperpigmentation and redness. [46:21] It depends on what your specific skin is like. Are you focusing on wrinkles? Are you adding antioxidants? The sunscreen is the thing you need every day, as it covers the vast majority of problems. [47:05] Morgan says the human element is always necessary to interweave into all of this because it's one of the things you can control. You can't control geopolitical events or storms, but you can control whether or not you put the sunscreen on. [47:25] You can control whether or not you have plans in place for any disaster. That's what allows you to sleep at night. You can do something in an environment where it feels like nothing can be done. That can get overwhelming. [47:42] Hilary says part of overcoming that overwhelm is the empowerment that comes with educating yourself and doing the work. You can't control geopolitical risk. What does that mean for your organization? What does that mean for your cost of materials? [48:06] It takes time, and it's not glamorous to look up how much asphalt we use in a year. The stuff that keeps all the gravel together in asphalt is a by-product of oil production, and drastically increases in price. What does it mean if your supply chain is going to be drastically delayed? [48:33] Those are the ways you can empower yourself and make a difference within your organization with some of these big, ephemeral risks. You need to think, What does this mean for us? [48:49] Hilary says one of the things we evaluate with our goals and the single most common edit note that I give on submitted articles, is "So, what? Yes, that is a risk. What does it mean for you? What do you do about it? What consequence does this have for your organization?" [49:20] Those questions are the distinctions between an article I read and an article I publish. Those are the distinctions between a risk manager who is informed and a risk manager who is empowered. [49:55] Justin asks, based on the Q2 issue of RIMS Risk Management Magazine, and on what they heard and saw at RISKWORLD 2026, what actions should risk managers take before the end of 2026? [50:12] Morgan says it depends on where you come from and understanding where risks exist, for you, and breaking it down to the things you can control, looking at where all these big-picture things intersect your business. [50:33] That comes down to strengthening your fundamental risk management practices to make sure you don't lose sight of the basics. [50:47] There is some talk of the property insurance market softening. That may give you more funds to invest in training or in infrastructure improvements. At least, reassess your policy's terms and conditions and see if you might take advantage of pricing. [51:12] Those are the fundamentals of risk management. In a time when everything is crazy, when it's a polycrisis environment, those are the things you're going to have to do; otherwise, it will get too crazy to look at all the big stuff. [51:34] Hilary agrees. Focus on localized impacts, whether it's the impact of the supply chain disruption on your business, or a storm, or inflation, and also, work on your skill set, learning to have a critical eye when it comes to how and if you're using AI, and what it's being used for. [52:00] Hilary says there's a 56% wage premium for workers with AI skills, according to PWC. A lot of self-improvement and educational things are critical to doing your job well now, but they also set you up to be more prepared career-wise. [52:16] Hillary touches on thinking about what some of these impacts do to your workforce. AI is a tremendously stressful and confusing one for your workforce, so redirecting some money into training programs is a great option. You'll have a better workforce, and they'll feel better. [52:41] Studies show that the more training you offer, the less resistance you get when it comes to tool integration, and the better outcomes. [52:51] When it comes to storm season, you're dealing with a standing inflation, but so are your workers. If they can't afford plywood to board up their houses, that's also a problem. If they are displaced, you have a displaced workforce, and that means business interruption. [53:07] What can you do to assist? Is that ordering things in bulk, so you have some purchasing power to help them obtain supplies? Is that providing emergency kits so they are prepared at home, and you have a more prepared workforce that comes back to work sooner? [53:28] Think small when the big stuff is a little too big. [53:41] Morgan says, the other side of the coin is to avoid getting distracted by headlines that maybe don't have as much relevance. Educate yourself to know what technology works for you. If you just take things on faith, that may not be fit for purpose for you. [54:14] Hilary says a wait-and-see approach with a lot of emerging technology is proven to be the best course of action, and Hilary recommends it. Focus on augmenting employees, not replacing them. [54:36] According to Gartner, 50% of AI layoffs are going to be reversed by 2027. A lot of people who acted fast and cut people because they overestimated the impact of AI are going to be hiring those people back, and probably for more money, not to mention retraining costs. [55:02] Some people are calling it a layoff boomerang. It's coming back. Those who were not overly hasty are the ones who will fare better in the long run. That's an important lesson to keep in mind when it comes to making some of these decisions, going forward. [55:28] Morgan says, nobody would have said we're going to have a war that's going to dominate all the headlines. Hilary says, if you told me there was going to be a war, Iran wouldn't have been my first guess. [55:42] Morgan says, We're starting storm season. We're anticipating it being a mellow storm season. It doesn't mean it will be. It's the nature of the game that there are a lot of unanticipated things. [55:57] Hilary says a dry hurricane season comes with increased dryness, which means increased wildfire risk. It's always something. It's either flooding or it's burning. Which you prefer is largely subjective. [56:24] Morgan says it's one of those years where it's tough to predict anything, because every day it's something new, which is what keeps risk management interesting. Hilary agrees. Morgan says he's still interested. [56:49] Justin says, It's been great to have you rejoin us. It's always fun! These are some of my favorite episodes to produce. Everyone, go to RMMagazine.com. RIMS members get access to the "turn the page" edition, but anyone can view a lot of the articles online. [57:11] The Awards issue is also at RMMagazine.com and RIMS.org/Awards. There's a listing of the folks who won, as well as links to the issue itself, where you can read more about those individuals. Learn editorial guidelines for contributing articles at RMMagazine.com/Contribute. [57:39] Hilary says There are also our Topics pages, if you want any subject-specific coverage. It's a great way to navigate within the website. Natural disaster things don't vary that wildly, year to year, when it comes to preparation best practices. [57:58] In submitting article pitches, keep in mind that Hilary will ask, "So what?" If you're submitting something, ask yourself that. So what? Why should somebody care to read this? [58:29] Justin says, Look at her Hurricane Outlook, and the Red Teaming article for good examples of what we're looking for. The Hurricane Outlook is far more in-depth than what we're expecting from the typical outside contributor, but it should give you a good starting point. [58:46] I'd like to congratulate you on another wonderful quarterly edition of RIMS Risk Management Magazine. I look forward to seeing you at upcoming RIMS events, and thank you so much for joining us. [59:00] Special thanks again to Morgan O'Rourke and Hilary Tuttle for joining us here on RIMScast again. The Q2 Edition of RIMS Risk Management Magazine is now available on RMMagazine.com. [59:12] If you want to contribute, check out RMMagazine.com/Contribute for the editorial guidelines. You can reach out to Morgan O'Rourke and Hilary Tuttle. And our Editor, Jennifer Post there, as well. [59:23] We're certainly going to have them back for our Year in Review episode of RIMScast, but if and when major news happens, or I run out of guests, they just may come back and rejoin us here on RIMScast.  [59:36] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [1:00:04] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [1:00:22] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [1:00:40] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [1:00:56] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [1:01:10] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [1:01:22] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available RIMScast on YouTube! RIMS-CRO Certificate Program in Advanced Enterprise Risk Management | July – Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! 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RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Morgan O'Rourke | Vice President, RIMS Content & Publications Hilary Tuttle | Managing Editor, Risk Management Magazine   Production and engineering provided by Podfly.

Host Steve Turk interviews Nikheel Advani , co-founder and COO of Grace Bay Resorts, who shares how he entered hospitality at 16 after his father pushed him to work, leading to dishwashing, banqueting, and founding a small events company in Singapore. He trained at UMass Amherst, worked in restaurants and hotels, joined a Pizza Uno turnaround team, then spent years with Ritz-Carlton opening multiple properties and emphasizing mentorship. He became hotel manager at Singapore's Raffles, helped elevate its global ranking, then moved to Turks and Caicos to build a hotel into Grace Bay Resorts, focusing on training, local talent, service excellence, food and beverage, airlift, and a luxury branded-residence model that funds development and gives owners hotel access and rental income. It's an amazing episode with fantastic stories and pieces of advice that you should listen to today. A big thank you to our sponsor, Lodgify. Make sure to use promo code THM60 when you sign up at Lodgify00:00 Sponsor Lodgify01:07 Meet Nikheel Advani01:48 First Hospitality Job02:08 Dad's Tough Lesson03:21 Starting a Company at 1604:42 Choosing Hotel School07:18 UMass and Working Through School08:42 Pizza Turnaround Years10:09 Breaking Into Ritz Carlton11:48 Mentors That Changed Everything14:42 Leaving for Raffles Singapore16:24 Running an Iconic Hotel17:28 Profit Meets Guest Experience18:35 Leap to Turks and Caicos20:57 Caribbean Service Reset21:55 Risk and Ownership Leap22:55 Partners and Fast Decisions23:56 Awards and Signature Wins25:43 Building Local Talent28:29 Selling a New Destination31:46 Airlift and Island Strategy34:08 Next Projects Pipeline36:06 Branded Residences Model38:59 Advice and Farewell

In this episode of Leadership on the Links, Tyler Bloom sits down with Stephen Tucker, Director of Equipment Operations at TPC Sawgrass and founder of Turf Addict, for a conversation spanning career development, team leadership, workforce challenges, and the growing role of technology in golf course maintenance. Stephen brings a rare perspective to the discussion, having spent his career on both sides of the equipment management relationship and now building his own software platform designed to modernize how golf facilities track, manage, and optimize their equipment operations. Stephen reflects on his path from player to industry professional, shares what shaped his leadership philosophy across two decades at Four Seasons and Ritz-Carlton properties, and offers candid insight into the workforce pipeline challenges that have long defined the equipment management profession. The conversation closes with a detailed look at the AI-powered platform Stephen has been quietly developing, a system designed to give golf operations the data-driven tools they need to reduce reactive maintenance, improve equipment longevity, and better communicate the value of the equipment team to club leadership. What You'll Learn in This Episode: How Stephen's career evolved from equipment manager to director of agronomy, and what he observed from both sides of the superintendent-equipment manager relationship. Why the equipment management profession has grown increasingly demanding, and how compensation has shifted to reflect the expanded scope of the role. The workforce pipeline challenge facing the industry, and why career awareness remains one of the most underleveraged tools for attracting new talent. Practical strategies for superintendents to build stronger partnerships with their equipment teams, including the value of collaborative weekly meetings and visible recognition. The AI-powered operations platform Stephen has developed through Turf Addict, including predictive maintenance capabilities, real-time error code monitoring via John Deere's Operations Center, and cutting unit management tools. Why Stephen built the platform to be AI-agnostic, allowing facilities to integrate their preferred AI system regardless of corporate policy. The broader implications of technology adoption in golf course operations, and what superintendents and directors should be thinking about as these tools continue to evolve.     Links and Resources Stephen Tucker | LinkedIn: https://www.linkedin.com/in/stephenrtucker/ Turf Addict | Website: https://www.stephentucker.net/ TPC Sawgrass | Website: https://tpc.com/sawgrass/ IGCEMA (International Golf Course Equipment Managers Association): https://www.igcema.org/ GCSAA (Golf Course Superintendents Association of America): https://www.gcsaa.org/ BOOK A STRATEGY CALL

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00:00 – 30:46 – JMV opens the show live from the downtown District Tap as the Fever get ready to play the Pheonix Mercury. He's excited for part 2 after what we saw Monday night. He also touches on the NBA Draft last night. He explains how the board fell and why it actually worked out for the Pacers because they didn't need guards. 30:46 – 41:17 – JMV asks fill-in producer Caleb what the Pacers would've done if they had kept their draft pick. He then takes a caller on why the 5th pick doesn't matter as much now that the first round is over. 41:17 – 46:20 – The last segment of the hour opens with JMV questioning wether he should do the honking game, the area around Georgia street, the new Ritz Carlton coming, 46:20 – 1:10:51 – JMV gets a couple of honks from listeners passing by the Dsitrict Tap before Kevin Bowen of the Fan Morning show makes his weekly Wednesday appearance. What did he think of how the draft board fell and what is "the move" the Pacers are going to make? Also, where will Braden Smith and Ryan Conwell land in the draft? Lastly, Kevin has a vacation upcoming and talks about the break he'll take during the 4th. 1:10:51 – 1:25:29 – JMV is joined by Chris Hagan of Fox 59, Michael, the owner of the district tap and Alex of Hurst and Limontes. They discuss businesses helping each other in downtown Indy before they get into the Fever game tonight and if Caitlin Clark needs to toe the line a bit better. They also reflect on game 6 of the NBA Finals a year ago. 1:25:29 – 1:32:27 – JMV wraps the first hour and previews the next hour of the show! 1:32:27 – 1:58:25 – Owner of the district tap, Kyle, talks about what's going on with the multiple restaurant locations he has. Then, Lance, who's apart of the group renovating Circle City Mall, explains what it will look like when completed. Plus, what are their visions for downtown? He then gets into the Fever game tonight with Chris Hagan. 1:58:25 – 2:10:43 - Chris Hagan quizzes John on the top songs from this week in 1983. They talk about where the blame should go around for the Fever 2:10:43 – 2:13:51 - JMV wraps up the 3rd hour of the show 2:13:51 – 2:21:06 - We go "Extra time" before the Fever game by thanking today's guests before J-Law calls in. Support the show: https://1075thefan.com/the-ride-with-jmv/See omnystudio.com/listener for privacy information.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Johnell Holly about growing up in Compton, serving in the military, and eventually becoming one of the most senior leaders at FM. They discuss experiences that shaped his mindset and lessons from his early years that still guide his leadership. They discuss what Johnell learned in the military that influences his decision-making. Johnell explains why he left the military and how he started working for FM. Johnell shares his life advice: choose the hard things; they will prepare you for opportunities to improve yourself. Johnell relates his early experience in sales and how it shaped his career. Lastly, they discussed the Spencer Educational Foundation and how Johnell became involved.   Listen for advice on overcoming hard circumstances and showing up at your best.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is Johnell R. Holly, the Executive Vice President for U.S. and Latin America Operations at FM. He is also the Board Chair for the Spencer Educational Foundation. We will learn about his career and leadership philosophies. But first… [:47] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Registration links are in this episode's notes. [:58] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:13] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:28] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:42] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [1:52] You can enroll now in the RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. Eastern Time. The registration link is in the show notes. [2:16] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. The deadline for session submissions was extended through June 26th. Visit RIMS.org/ERM2026 to get those final submissions in. Registration will open in July. [2:37] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:56] On with the Show! Our guest today is Johnell Holly. He is the Executive Vice President for U.S. and Latin America Operations at FM. He is also the Board Chair for the Spencer Educational Foundation. [3:10] Johnell caught my attention last year at the Spencer's Funding Their Future Gala, which this year will be held on September 17th at the Waldorf Astoria in New York City. [3:21] I found Johnell's career journey to be incredibly inspiring. He is here to discuss his path from humble upbringings to the military to the risk and insurance space and ultimately to philanthropic missions and leadership with Spencer. [3:36] I'm confident this dialogue will resonate with anyone who feels the odds are against them and is looking for extra motivation to overcome and choose the hard challenges in life and career. Let's get to it! [3:39] Interview! Johnell Holly, Welcome to RIMScast! [4:10] Johnell says he is absolutely thrilled for the Spencer Funding Their Futures Gala. It's one of the premier events of the year. Every year, it seems to get better and better, and it continues to achieve new heights. Johnell is excited to see where it goes this year and into the future. [4:51] Johnell comes from Compton, a rough neighborhood. Johnell wanted something different from how he grew up. He wanted to get a very good education. So he went to the United States Military Academy to get a very good education from a very high-profile institution. [6:01] Johnell started at the Academy in 1990 and graduated in 1995. In 1995, Johnell went into the Army as a commissioned officer and was in the Army until 2001. His last day of Active Duty was the week prior to 9/11. [6:47] Justin thanks Johnell for his service. [7:07] Johnell says there's a lot of what he does today that relates to his military education. He says there's also a lot from his childhood that helped him along his career, including his desire to improve himself. [7:27] Johnell says some things in the military resonated with him that made it very easy to be more successful outside of the military, such as the work ethic and making the choice to do the harder things when they present themselves. [7:52] Johnell says, it's like doing the harder military school. Once you get that done, everything else is a bit easier. Johnell says that taking a tough assignment or job within FM, he knows that if he does a job that no one else wants to do, he will have what most people won't have. [8:11] Johnell says he did things like that deliberately over the years. His mantra would be, Always choose hard, and hopefully, you get to a point where that no longer has to happen. [6:25] Justin heard a speaker say that if you have six things coming up, one of them is the tough one, and five of them are easy ones, people will choose the five easy ones first, before they get to the tough one. Justin says Johnell chooses the hard one first before the five easy ones. [8:55] Johnell agrees, not just in his career; he learned it very young. When he was young, he didn't like how he was showing up. He knew he needed to position himself with more strengths. [9:17] The only way Johnell was going to get those strengths was to do all the things he was afraid to do or hated to do. He had to face fears, get over them, and get through the hard stuff. He teaches his kids that today. [9:32] Johnell has five kids. The three oldest are girls. The oldest also graduated from Wespoint and is serving. The daughter below her is on a destroyer right now in the Mediterranean, so she's in the war. [10:02] Johnell has two sons. Both of them are in the top 15 or 20 in the nation for football. One is a redshirt freshman at Michigan, and the other will head out to FSU and Georgia in the next week for his official visits. He'll pick one of them. [10:31] Johnell talks to his daughters in the service regularly. [10:42] Justin asks about NIL deals for Johnell's sons. Johnell says the NIL deals are peanuts compared to the insurance negotiations he does daily. [11:07] When Johnell left the Army, insurance was definitely not on his radar. He was being asked by the military to go back and get his Master's. That meant leaving the state of Washington, where he was assigned. He didn't want to leave; he had things to take care of. [11:38] Johnell needed to look and see what other options were out there. He went to a headhunter. He interviewed for five or six companies, and all of them made an offer. One of them had a position in Seattle, where he wanted to be. [12:05] After some negotiation, Johnell decided to give it a go as a consultant engineer, an entry-level position, for FM. He wasn't aware it was an insurance company. He thought he was going into engineering. Coming directly from the military, he wasn't familiar with business. [12:36] Once Johnell got into FM, he realized that it was an insurance company. Once he saw that, he was very interested in that side of the business and wanted to get over to it very quickly. By 2002, Johnell had moved to the insurance side of FM. [13:31] Johnell says, early on, risk management and insurance had been thought of as a secondary thought to business. Understanding of the hazards and operating to reduce those hazards didn't exist at the levels that it does today. [14:11] Today, thinking about risk and ensuring that you are resilient is no longer optional. You cannot just hope that things aren't going to go wrong. You have to assume that things are going to go wrong. Those who do that well will be more successful. [14:35] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [14:53] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. [15:05] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026, in Chicago. Visit ChicagolandRiskForum.org for more information. [15:15] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [15:32] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [15:48] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [16:03] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. The deadline for educational content submissions was extended to Friday, June 26th. Get submissions in now. The link is in this episode's show notes. Registration opens in July. [16:25] Let's Return to Our Interview with Johnell Holly! [16:33] At the start of working for FM, Johnell was doing client service and sales. Johnell was a captain when he left the military. He was in a position of authority with a good amount of autonomy. Coming to FM, he was older than his peers, who had come straight out of college. [17:13] That maturity was pretty key. The best thing Johnell learned in the military is that rank doesn't matter. What matters is how you treat people, not just the people you work with every day, but how you treat every person you interact with. [17:42] If you can do that well, and recognize that we're all the same, looking for the same stuff, trying to achieve the same things. Johnell says to put it all into perspective and take that approach in how you deal with people. Relationships are king in the military and in life.  [18:27] Johnell really wanted to do well in the job he was in. He says, if you do well, if you put your heart, effort, and everything else into what you're doing, it gets recognized. Folks want that experience and expertise in other areas. That's how you create opportunities for yourself. [19:17] Johnell has had a lot of different jobs at FM. Probably the most difficult job was sales. Johnell is a very deliberate person. He likes to be strategic and very planned in how he approaches things. He says, in sales, you have to be a lot more fluid, with a lot less structure. [19:49] Johnell doesn't think it has to be that way. Sales, to be most effective, should have quite a bit of structure, but in the early days, that didn't exist. [19:57] That was not the best environment for Johnell, but it taught him again how to manage through situations, overcome them, and get better at them. It was much like choosing hard, although that wasn't his intent. [20:28] It was one of the most developmental roles of his career at FM that put him in a position to be in the roles that he is in now. [21:25] Justin says it's fascinating to see who succeeds in sales and who goes on to do other things. Johnell says, You've got to be resilient. You've got to be able to take a lot of No and be okay with that. It was all cold calling, lighting them up, and getting in the door. [22:03] Another Quick Break! Johnell Holly will be at The Spencer Funding Their Future Gala 2026 in New York City at the Waldorf Astoria on September 17th. This year, Spencer will honor Sierra Signorelli of Zurich and last week's guest, Marya Propis of RT Specialty. [22:31] A link to the Gala is in this episode's show notes. [22:34] The Spencer Educational Foundation's Risk Manager on Campus application period is now open, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [22:52] General Grant applications are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [23:04] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [23:12] Let's Conclude Our Interview with Spencer Board Chair Johnell Holly! [23:30] Johnell says selling remains difficult. FM is not a sales-focused organization. FM needs sales; it's critically important, but FM is about client retention and building client relationships. [24:17] Before a salesman for FM can sell a policy to a company, the salesperson needs to get internal sign-off for various reasons that the company is a good fit for FM. Johnell says there's more structure in FM sales policy today. More training is done for successful selling. [25:39] Johnell says that from the first day he started with FM, RIMS was a part of the conversation. Johnell's participation was in attending some of the local RIMS events when he was on the West Coast. Johnell started in Washington and then went down to LA. [26:10] Johnell had attended Western Regional RIMS and Los Angeles RIMS events. Johnell says that he had been with FM for almost 15 years before he really became aware of Spencer. Today, Spencer is out there much more, creating education and awareness for the industry. [26:59] Johnell says that for Spencer to create awareness for students, everyone in the industry needs to know about it. Spencer is at a point where it is recognized as a foundation throughout the insurance industry. [27:18] Johnell says that Spencer needs to be recognized even outside of the insurance industry, as much as possible, and he thinks it is on its way. It's been a buildup of all the efforts and work, back to Robert S. Spencer himself, that have led to where Spencer is today, and it will continue. [28:03] Johnell says his involvement with Spencer came when Brian Callori, who was one of the Chairs and who also worked for FM, thought that it would be a good fit and a great opportunity for Johnell to be a part of it. He suggested that Johnell be recommended to join the Board. [28:31] Johnell joined the Spencer Educational Foundation Board. Within the first couple of meetings, Johnell realized that they could do things better, and he started speaking up about it. He only wanted to help the organization do its best. They asked him to do as he suggested. [28:57] Johnell joined the Executive Committee and continued in various positions until he is now the Chair. Justin notes Johnell's enthusiasm about the Spencer Educational Foundation, evident in his Gala address last year. [29:09] Johnell plans to be on stage again at the 2026 Gala. [29:38] Justin asks about last episode's RIMScast guest, Marya Probis, who is no longer on the Board and is one of this year's Spencer honorees. [29:53] Johnell says the interesting thing about the Board is that they are all competitors for the most part. The minute they get into that room, they come together and focus on the mission of Spencer. Johnell sees that they have a sincere desire to help the industry advance. [30:31] Johnell says we need to educate folks in the middle schools and primary schools and so on to get folks thinking about working in insurance. Insurance is an amazing industry and career, and it's necessary. It's inspiring to be able to talk about and drive it throughout the world. [31:42] Johnell says the world has always been changing. The one constant is change. The more that all of us, including kids, can embrace that reality, the better prepared we will be. The insurance industry always follows the world. The world is always looking for the next best thing. [32:42] Someone is out there innovating, inventing, and trying to come up with the new thing. The new thing is going to come with risk. Johnell says our capability and responsibility to be able to protect that risk or associated risks is what we do. It's why we're here. That's exciting. [33:11] Justin says, We're looking forward to seeing you on Thursday, September 17th, at the Waldorf Astoria, for the 2026 Funding Their Future Gala. We've got Sierra Signorelli from Zurich as one of the honorees; Marya Propis is the second honoree, and it's going to be a great time. [33:28] I look forward to seeing you up onstage. Last year, your message resonated with me so much. You came from a very humble upbringing, and you have this wild trajectory professionally, and you've got five kids, so you've had quite a journey. [33:55] Justin asks Johnell to imagine an audience member hearing this episode of RIMScast, and they might similarly come from a difficult background and just not know what their path forward is going to be. What message would you have for that person today? [34:15] It's the same message Johnell has for a lot of the folks he interacts with from a similar background. His family still lives in Compton, so he still interacts with kids and with college athletes who did not have the greatest upbringing. [34:38] Johnell says it's wrong to think you are not a product of your environment. You are. Depending on what that environment has in store for you, you either want to be there or you don't want to be there. One thing you can control to some extent is whether or not you're there. [35:10] Change your environment. If you can't change your environment, change the way you show up in your environment. Do the things that are going to give you more experiences. Do the things, the hard things, that are going to create more opportunities for you down the road. [35:30] You don't have to do something earth-shattering. It could be the little things that start to build your toolbox. So that when the time comes and the opportunity presents itself, you have all of these things you have built that will uniquely position you to take advantage of that situation. [35:58] You need to put yourself in a position so that when the time comes, you're ready to go. That often means to "choose hard." If you're willing to choose hard, then you are going to differentiate yourself. There's no way in the world that it doesn't pay off at some point. It will. [36:20] Justin says These are wonderful words of wisdom. They resonate with me, and I'm positive they're going to resonate with the audience. You're an inspiring guy. I look forward to hearing more from you and to seeing you in September. Thank you so much for your time. [36:45] Special thanks again to Johnell Holly of FM and the Spencer Board Chair. We look forward to seeing him at the Spencer Educational Foundation's 2026 Funding Their Future Gala, which will be held on September 17th at the Waldorf Astoria in NYC. [37:02] Visit SpencerEd.org for more information and to purchase your ticket and for sponsorship opportunities. Remember to check out last week's episode, RIMScast #395, to hear an interview with Marya Propis, one of this year's Spencer Funding Their Future Gala honorees. [37:20] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [37:49] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [36:07] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [38:25] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [38:41] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [38:55] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [39:07] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 RIMScast on YouTube! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Session submissions deadline extended to June 26! | www.rims.org/ERM2026 RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA, July 21‒22, 2026 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Too Hot To Ignore: Heat-Related Injuries and Workers' Compensation" | July 16 | Presented by Zurich RIMS Student Series: "Classroom to Career Part 1" | Sept 1 RIMS Student Series: "Classroom to Career Part 2" | Sept 9   Related RIMScast Episodes: "Marya Propis: From Industry Leader to Talent Champion" "Spencer Day 2026 | The Future of Strategic Risk Management" "Risk Management Momentum with Tim Ryan" (2025 Spencer Honoree) "The Strengths of DE&I Initiatives with Lilian Vanvieldt-Gray of Alliant Insurance Services" (2024 Spencer Honoree)   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) 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RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Johnell R. Holly, Executive Vice President, United States and Latin America Operations, FM Board Chair, Spencer Educational Foundation   Production and engineering provided by Podfly.

Spencer Reese has earned over $100,000 in travel rewards — booked a $27,000 first-class flight to Tokyo, a $1,700/night Ritz Carlton bungalow, and flew his parents to Italy in business class — all for nearly nothing. In this crossover episode with The Fiscal Clinician, Spencer breaks down how credit card points actually work, what the industry doesn't want you to know, and the financial foundation you must have before playing the game. Topics Covered The Biggest Credit Card Lie — Why spending alone will never fund your vacations, and why the welcome bonus is where the real value is Credit Score vs. Net Worth — Why obsessing over your credit score is a distraction from actual wealth building Financial Prerequisites — The non-negotiables (emergency fund, 401k match, debt-free except mortgage) you need before touching travel rewards The Anti-Budget Strategy — Pay yourself first, automate savings, then spend whatever's left Tracking Your Spending — How to use AI tools (Claude, ChatGPT, Gemini) or apps to categorize your transactions and find spending blind spots Welcome Bonuses vs. Spend Multipliers — Where points actually come from and which matters more Redeeming Points — Cash back, travel portals, and transfer partners (and why transfer partners win) Points Inflation & Devaluations — Why you should earn and burn, not hoard Beginner Credit Card Strategy — 1, 2, and 3 card recommendations for different lifestyles Travel Insurance Benefits — The underrated perks hiding in your Chase Sapphire Preferred (car rental coverage, trip delay, and more) Downgrading vs. Canceling Cards — How to protect your credit score when a card no longer serves you Military-Specific Advantages — Annual fee waivers and why the strategy shifts for active duty members Student Loans & Credit Cards — When it's okay to dip a toe in even with six-figure debt Resources & Tools Mentioned The Fiscal Clinician Podcast — https://thefiscalclinician.com Financial freedom for healthcare professionals, hosted by Josh Sheen DPT doctorofcredit.com — https://doctorofcredit.com Best resource for tracking current credit card welcome bonus offers Travel Freely App — Tracks your cards, annual fee due dates, and helps you decide when to keep, downgrade, or cancel (built by Zach) Monarch Money — Spencer's go-to spending tracker YNAB (You Need A Budget) — Popular budgeting app Every Dollar — Dave Ramsey's budgeting app Claude / ChatGPT / Gemini — AI tools for categorizing exported transaction data and visualizing spending Books Mentioned The Total Money Makeover by Dave Ramsey — Recommended for debt payoff motivation and the gazelle intensity framework Don't Shoot the Dog by Karen Pryor — The behavioral book behind Spencer's "create the environment to thrive" philosophy Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Most banks know far more about their customers than the customer ever feels. In this Banking Insight Video, I look at why relationship banking often feels programmed, from the quarterly business banker check-in that goes to voicemail to the small human moments customers actually remember.Using examples from Ritz-Carlton, Delta, Nordstrom, Disney and TD Bank's Automated Treat Machine, this episode explores what banks can learn from companies that make ordinary interactions feel personal. The point is not to copy those examples. It is to rethink how banks use customer data, technology, frontline judgment and employee empowerment to make customer experience feel more human.For bank executives, retail banking leaders, marketers, digital teams and frontline managers, this is a practical conversation about relationship management, personalization, customer loyalty, surprise and delight, and the human moments banks keep missing.

A leak of private information purportedly related to an ultra-secret society called “Dialog” founded by PayPal billionaire Peter Thiel has revealed the inner workings of an elite group to which hundreds of global leaders, business executives and billionaires belong. The documents, examined and revealed by Wired this week, show Thiel and investor Auren Hoffman co-founded Dialog in 2006 as a private, invitation-only and “bipartisan” network of influential people in technology, politics, academia, finance, government and beyond.  Dialog describes itself as a place for off-the-record relationships among leaders from different fields and ideological backgrounds, and the group hosts at least one in-person retreat per year at at lavish locations like the Ritz-Carlton Dove Mountain in Arizona, the Ritz Carlton in Santa Barbara, California and the San Clemente Palace in Venice. Learn more about your ad choices. Visit megaphone.fm/adchoices

You've built BTR Media into a 9-figure business with a 95%+ client retention rate — without chasing growth for growth's sake. What has been the hardest part of scaling while staying true to your people-first and relationship-first philosophy?You describe BTR as the “Ritz-Carlton of Amazon Advertising.” What does that look like in practice, both for your clients and your team?You're passionate about helping others overcome limiting beliefs. What's one limiting belief you personally had to break through as a founder, and how did it change the way you lead today?The future of retail media: With retail media growing across Amazon, Walmart, and Instacart, where do you see the biggest white space opportunities for brands to stand out in the next 2–3 years?What are you most excited about right now — for yourself, your clients, and for the retail media industry as a whole?What's one message you'd like to leave our listeners with today? 

The Social Success Series is back with a brand new episode featuring a very special guest and hospitality's no-nonsense voice, Mr. Scott Eddy!  Scott Eddy joins the podcast to give audiences his perspective and insights on where the future of hospitality is headed, social media growth in hospitality, and how AI technology is the biggest innovation that the industry has ever seen. If you are looking to stay ahead of the hospitality technology curve by getting the latest hospitality information, tune in to the episode. Cassady Quintana: Welcome to the Social Success Podcast, where we have conversations with top hospitality professionals about successful digital marketing strategies, emerging trends, and how to connect with today’s travelers. I’m your host, Cassady Quintana. Hello everyone, and welcome to another episode of the Social Success series. My name is Cassady Quintana and I am the brand ambassador here at Travel Media Group. And today we have an awesome guest. I am super excited, a hospitality influencer, celebrity to me. Super excited to have the no nonsense voice of hospitality. Mr. Scott Eddy, thank you so much for joining me. Scott Eddy: Thanks so much for having me, man. Cassady Quintana: Yeah, super excited. So, right now you’re in Spain. We talked a little bit about that, but for people that may be a little bit unfamiliar with you and your history, talk us through how you got involved in hospitality and how you got to where you are today. Scott Eddy: Yeah, so I actually didn’t come from a hospitality at all. I came from investment banking, which I think gives me a very different lens of the world. So I look at hospitality through psychology, positioning, ROI, branding human behavior before I even look at aesthetics, which actually means nothing. after my banking career ended, I went to Thailand on a two week trip, and after four days I called my mom. I was like, I’m never coming home. I love this place. And I ended up living in Bangkok for 11 years. So I went over there in 99, several years before social media came out. So for the next four or five years, I basically just partied my butt off all over Asia, made a lot of friends and just getting acclimated with the region. ’cause it was just, it’s like a different world over there. So then social media came out and I started the first digital agency in Asia, and we were the biggest for five years. And all my clients were hotels. So my very first client in this industry was the first Aman property on earth. Aman…, which was in Phuket. And that really taught me the whole quiet, luxury, luxury persona. Like that whole thing. It really like it was like a, like a, like a weight in my brain that is still there today. It’s really, really stuck with me and a lot of things that I learned from that project. Really, I use it every day. Cassady Quintana: Yeah. No, that’s awesome. I feel like a lot of the people I talk to and we talk to here, it’s kind of a similar story. They fall into hospitality, they don’t realize, and it happened to me too, like I was working just in normal social media marketing before I got into hospitality. And that’s kind of how it happens for a lot of people. So you live in hotels, you’re traveling constantly. A lot of people would only dream of that. I wish I could do something like that. So for you, at what point did you realize, like, this wasn’t travel anymore, but you could kind of turn that into your brand and a business for yourself? Scott Eddy: So, okay, so as I was doing the agency, and again, I just hired really smart people that worked at advertising agencies. And just watched them. But during that time, that’s when social media first came out. And I’m very early on every platform. I was probably first 2000 people on Twitter. And Twitter was it back then. So that’s actually where I built my brand. And I was the first American expat in every Asian country to have a million followers on Twitter, which back then got me headline news, which got me speaking gigs, which got me consulting gigs. So after a while, all my business was coming through my social media. And again, this is back when there was no term influencer, there was no term personal brand. There was no, that might have been a thing, but it wasn’t a thing. So eventually I just decided to sell the agency because it just made no sense to me to have a brick and mortar office paying 37 full-time employees when the clients are coming through my phone or my computer. Like, it just didn’t make sense. So I sold it and started traveling around. In total did 11 years in Thailand, one year in Philippines, one year in Sri Lanka, four years in Spain, one year in Portugal, and one year in London. And then I came back to the US in 2015, thereabouts. And that is when I literally blew up because that is when real budgets were starting to be applied to social media marketing. And I was approached by a PR agency as soon as I came back to be the travel host for the first video, for the first travel show that was gonna be a lifetime. And it was like a Anthony Bourdain type show. It was called Video Globetrotter. So that solidified me in the U.S. Then I just started doing just huge campaigns with F1, with Air New Zealand, with like, all these big brands. I was a brand ambassador for Lexus for two years. I mean, it was, it was very, very cool. But when I, before I came back to the States when I was in Europe, I was just looking at like what was gonna happen when I went back to the States and I was like, well, I don’t want to get a lease and like have like a normal life. I haven’t had a life for a very long time. So I ended up selling everything that I own while I was in Europe and even now. So I was born in Michigan, but I was grow, I grew up in Fort Lauderdale since I was little. I used to only have a storage unit in South Florida. So I used South Florida as a base in between all my trips. But I’m there two, three days. Like, I was just there this past weekend. I went to F1 and then I came to Europe right away. That’s awesome. So, yeah, I mean, it just happened. When did it happen? Who knows? But it just, I’ve been in the trenches of hospitality marketing for 17 years, since day one of social media. Not that we were doing social media strategies on day one. Back then it was like websites and SEO and graphic design. Remember when people paid for that? Cassady Quintana: Yeah. Scott Eddy: So the services side is very different now. But it’s fun. But it’s fun and hospitality, like it’s the greatest people in the world. Cassady Quintana: I couldn’t agree more. I mean, how could you not be happy with being able to travel to all these places and meet new people and stay in different hotels and you’ve experienced, a wide range of different hotels. So when you think back of all these places you’ve stayed at, for you what makes a memorable stay versus one that’s kind of forgettable? Scott Eddy: And I’ve had both. The difference is emotional impact. That’s it. Most luxury hotels today are physically beautiful. And emotionally empty. The industry has been become obsessed with that whole polished and everything else. But forget humanity. Guests don’t remember the sink design or the way the lobby looked. They remember how your people made them feel. And I’ll give you a perfect example, and this is not to put them down, but I just left Tulsa. I was there for eight days. I mean, you’re talking about Tulsa, Oklahoma. Like it’s not New York City, it’s not Paris, it’s not Hong Kong, it’s Tulsa. And I was at the Marriott there. And again, this is not a ultra luxury property, I’m telling you right now, I stay over 300 nights in hotels and have done so for the more than eight, nine years. This was the best employees, the best staff that I’ve ever met in my life, ever. And I’ve lived in Asia for 13 years. And Asia has, I mean, the best of the best. But I mean, it, it was crazy. Like the finance lady coming out and she’s like smiling and laughing with the staff. Have you ever seen finance person smile? Like that’s where the creativity goes to die. That’s the person who’s telling me, no, no, no, we don’t have the money for this. Like, it was unbelievable like every day I was just like pinching myself. I’m like, is this real? It was just, it was really crazy that the best experience that I’ve had ever in hospitality just happened. Cassady Quintana: Oh, that’s awesome. And I feel like this is something that a lot of hotels should be posting about on social media because I always say like, your hotel and the way it looks is part of the experience, but what makes it memorable or what makes it terrible for people is how the service was. So, and that can be hard to translate online. So when you are looking at a hotel, social media page for you, like what makes something make you gravitate towards it and wanna engage with it, rather than it being a promotional or sale. Like how can hotels translate that inhuman experience and how awesome their staff is and how awesome their staff makes you feel to social media so that potential guests can feel that through the phone? Scott Eddy: I mean, first off,I browse through social media profiles of hotels every day. I mean, I’m, I’m talking dozens and it’s, it’s honestly most of it just makes me wanna throw. It is ridiculous. We are in the most feel good, fuzzy warm feeling industry in the world. And they can’t stop taking these gorgeous pictures of rooms and dead pictures of an empty swimming pool. And like, it’s unbelievable. Most hotels, social media feels like it was approved by seven people in a boardroom and a legal department. That’s the problem. Everything is safe, polished, filtered, and emotionally flat human beings connect with people, not corporate perfection. When are you gonna wake up? Like, I don’t understand. It’s 2026. It’s almost as if they don’t have a calendar. Like show it, show the chef, show the bartender, show the housekeeper, show them, show humor. I mean, like, it’s crazy. Cassady Quintana: And I think that’s the thing, like when Instagram first came out, it was that opposite, right? We need the perfect photo, we need the perfect shot. We have to use the perfect filter. And now it’s, it’s kind of gone to the opposite. And maybe this is with AI becoming so pertinent in all of these things, but people want to see that real moment. Because it’s hard to imagine yourself in a perfect photo of a hotel room. Like, I wanna see someone enjoying their coffee, or like you said at the pool, things like that. So obviously you’ve followed this since it’s started and it’s changed. We’ve seen new trends. We’ve seen Instagram change its algorithm completely. So beyond that human emotion, is there anything else that you think hoteliers are still getting wrong in 2026 with their social media? Scott Eddy: I mean, the biggest mistake hotels are still making is thinking that content is the strategy. Content is not the strategy. Content is the vehicle. Emotional relevance is the strategy. Anybody can create content. Now, do you have a phone? You can create content, you have AI, it can create content. So the value is no longer in simply producing the content. The value is in perspective, storytelling, culture, trust, leadership, and emotional connection. That is the number one. Most hotels still have no clear voice online. What I love to ask hotels. I love to say, what is your brand personality? They don’t know how to answer. Like, how do you not know that there’s no founder visibility, there’s no staff involvement, there’s no community building. God help you if you can find a GM. They’re heading in the office. There’s no understanding of platform psychology. I was talking to a guy who is part of a group of a hotel group, and they own 11-17, they owned a bunch of hotels. And I asked him about one of the properties. So before we hopped on the call, I went on every platform to see where they are, how active they are. That way I have the ammunition. We get on the phone and I ask him, what about X, Y, Z property? I couldn’t find them on TikTok. Why aren’t they, oh, I don’t like TikTok. That wasn’t a question. Cassady Quintana: Right. Scott Eddy: And then, with me, I dive deeper. I’m like, why don’t you like it? kids dancing. Come on. That’s the way it started. I said, the average, the average age demographic that’s most active right now is 38 to 57. Luxury brands are killing it on TikTok. I love when people say can’t sell luxury on social media. What? These are the people that aren’t on their phones. Right. Come on, man. Cassady Quintana: No, and I love that you mentioned that because especially TikTok, it had that, that image, especially in 2020 of just being that platform where people dance. But it goes beyond that now because we’re starting to see integrations with, Booking.com on TikTok and Expedia on Instagram. Like, there the conversation of is important is long gone. Now it’s, why are you not on this? It’s kind of almost weird and embarrassing if you’re not on social media. Like, what do you mean you’re not on social media? ’cause that is, and especially my, I’m older, gen Z, but as these new demographics start to have buying power, this is where we’re searching. Likeand it, and like you said, TikTok is now that age group of 30 to 50. Like those are the people with the most buying power. So what do you mean, like that it, and it’s hard to get people to see that sometimes because when they have that preconceived notion of what social media is, to try and get them to a point of believing in it is tough. But I mean, the proof is in the pudding. We can show them how important that is. So kind of in that same world, I mean we’re seeing a lot of influencers in hospitality now. And we actually, I did an exercise last week where I was searching, hotels and the most viral videos and most of them came from influencers. So where do you see the value with influencers in hotels and maybe where do you see that continue to go? Scott Eddy: The problem with the whole influencer space, and I hate that word so much. Just because influencers ruined, just like marketers ruin the term marketing. Influencers have ruined the term influencers. I mean, it’s just such a egotistical. Ridiculous word. It’s just such a saturated market. So much so that I don’t even work in South Florida and I rarely work in Florida. And if I can avoid it, I rarely work in the U.S. I’d much rather work overseas. South Florida, it’s like all the big cities are just saturated. So, I mean, of course in between all my trips I get offered to do a million free things and I’m like, bro, I’ve been building my brand for 17 years. Like I’m not in the intern stage right now. Like, I already built my brand. I don’t, I don’t need your $20 meal for Instagram posts. I appreciate it though. But I mean, most hotels, they still evaluate influencers completely wrong. They obsess over follower accounts instead of trust and audience alignment. I can’t tell you how many times, so if somebody doesn’t know me, they don’t follow me on LinkedIn or a lot of other platforms and they just look from the outside looking in and they just see a big audience. So the first thing they’re gonna say, okay, this guy’s an influencer. Which I don’t mind. I still being an influencer, I hate it. But doing that is still a lot of what I do. Because yes, I travel with a video guy. They’re get and a photographer, one of the top photographers in hospitality by the way. And they both arrive here on Friday and we’re going on a cruise. So I do travel with a video guy and we do long form storytelling. We do a lot of things and we do complete photo shoots and this and that, but they always want my distribution. So like, I would never run away from that because I have a very good audience. I’m deep in the wine world. I’m deep in the finance world. I mean, my audience spends, so I know creators with massive audiences that couldn’t drive a booking if their life depended on it. Meanwhile, smaller niche creators, which strong trusts absolutely crush it because their audience actually listens to them. Listen, it’s the micro influencers that are killing it right now. Their engagement rates are in the teens, people like me, people with over a million followers, generally if you have a anywhere from one to 3% engagement rate, you’re killing it. I get very high engagement. So I mean, I just figured it out two days ago because I’m launching a new website and new media kit and whatnot. I just did my media kit or my engagement rate on Instagram so far in 2026 and I’m at 6.5%. Oh, that’s awesome. I mean, that’s like top tier, right? For somebody in my space. But I mean, most macro, most big, I think they call ’em mega like over one, two, 3 million. You’re lucky if you get one to 2%, but the numbers still work out to somebody who has 20,000 who’s getting an 11% engagement rate. Things like that. So, I mean, hotels need to stop treating creators like vending machines. Here’s a free room now, make us viral. It’s not a strategy. I can’t tell you how many hotels tell me that they want to go viral if I can help them. And I, and I asked them, I’m like, what is getting going viral gonna do for you? And they can’t answer going viral 90% of the time, does nothing. My photographer that I traveled with, he did a hyperlapse video on a river cruise that we were on of like a locks opening up and closing. It was very cool. I think it got like 12 or 15 million. I’ve never even gotten those numbers. I mean, he’s still sitting, like, he didn’t gain a hundred thousand followers. He didn’t get 10,000 brands commenting oor wanting to work with him. Viral does nothing without a proper strategy attached to it. What I mean? So the, the problem is these brands, they don’t do the research. I can’t tell you how many times I get reached out to and they’re like, Hey, we want you to do this campaign. And I’m like, this is not even my niche. Oh, sorry. It was a copy and paste email. Well, no kidding. Of course. It was like, it just, listen, over the next few years, creators are gonna evolve into, and they already are full blown media companies, production, distribution, consulting, storytelling, community building, all of it. The creator economy, let me tell you, and I’d much rather call it that than influencer space. It’s becoming one of the most powerful engines in hospitality because the bigger AI gets, and listen, a lot of these companies will go to the wayside. But AI, the technology is here. The bigger AI gets, the more valuable humans are gonna be. Cassady Quintana: Absolutely. We, we say that all the time, especially because AI is gonna fuel the tech. But at the heart of hospitality is the people and it will always be the people. And you can’t replace that people to people emotion. And like you said earlier in this episode about how that’s what you remember the most right. Is how the staff made you feel. And AI will never be able to do that. So I’m glad you brought up AI because we are seeing that start to shape the traveler journey. Like I mentioned with the integrations with Expedia and Instagram and their AI agents that are building these itineraries. So where do you think AI and social media and hospitality are headed now and in probably the next couple of years? Scott Eddy: I honestly think that most of the hospitality industry still underestimates how massive this shift is. This is bigger than social media. This is big tech, bigger than mobile phones, bigger than websites. AI is fundamentally changing how humans make decisions, right? We’re moving from search behavior to recommendation behavior. And that changes everything. Your website is no longer the front door to your brain. AI is becoming the front door. Yeah. Travelers are increasingly asking ai what hotel fits their personality, what cruise line matches their lifestyle, where they should go for a specific emotional experience. Yeah. So now your digital footprint matters more than any more than ever. Consistency matters more than ever. The brands that survive this next era are gonna be the brands that feel the most human, have the clearest voice and create the strongest emotional connection online, generic corporate garbage. You’re done. Cassady Quintana: Yeah. Yeah. And I mean, and we’re already in the middle of that. I feel like we know a lot of us, we don’t necessarily know how big AI is gonna be and where we’ll be this time next year. I mean, I bet in just a few weeks we could be having this conversation again and it would be something new. So course it’s definitely always changing and I recommend everyone that’s listening to this episode to follow you because this is the kind of stuff that you’re talking about and you’re following and it’s, it’s super important. Hotels are busy and a lot of the time they don’t have the time to do the research. So if they can find people like you to get that information from, it’s extremely helpful because it’s, it’s changing every single day. So if you can stay up to date and understand it and what’s going on and how you need to adjust your social strategy and your marketing strategy as a whole, you’re gonna be ahead of the pack. And so with that, thank you for all that awesome information. I kind of wanna shift gears to get to know you a little bit more Sure. With some rapid fire questions. So first thing that comes to mind that you can think of. So favorite hotel you’ve ever stayed in? Scott Eddy: I have a couple, but let’s say Kuda Duke in Maldives. Cassady Quintana: Alright. I love that. Scott Eddy: It’s insane. Insane. Cassady Quintana: Okay. And then what do you think is the most underrated destination right now? Scott Eddy: Right now? Sri Lanka. I lived in Colombo for a year. It’s seriously underrated. I think it’s, I mean, and it’s already bubbling, right? But I think it’s just gonna explode soon. Cassady Quintana: Is there a best time of year to visit there? Scott Eddy: Just like, you’re in Orlando, right? Cassady Quintana: Yeah, I’m in Orlando. Scott Eddy: So, so just like us, winter time is their high season just like Florida. Cassady Quintana: Okay. Noted. Perfect. Okay. Do you have any travel habits that you swear by? Scott Eddy: Yeah. I, and this is a life habit. I mean, just ’cause my whole life is travel, but I wake up super early every day and I’m up for the sunrise and I go for sunrise walks. If you ever follow, especially my Instagram stories, I’d post sunrise almost every day. I think there’s no better way to start the day. I think it’s impossible to have a bad day when you start the day like that. Cassady Quintana: Right. That’s why they recommend you get 10 minutes of sunlight every morning. Right. There’s, there’s something to that. So definitely everyone follows Scott’s Instagram so you can get that morning motivation for your walks. Okay. One hotel that is crushing social media right now, or one that you’ve seen recently that you loved? Scott Eddy: Wow. That is a great question. Wow. That’s a good question. . You can, there’s a lot out there you can tell. I didn’t really go over your notes, . Cassady Quintana: That’s okay. Scott Eddy: I never do. ’cause that’s like the, that’s when you get the raw answers? Cassady Quintana: Exactly. And then you overthink it. Scott Eddy: Let’s go back to that. Let me think about that for a couple minutes. Cassady Quintana: Okay, perfect. Well that was the last rapid fire question I had. So maybe people just need to follow you and find out later.. Scott Eddy: But let’s talk about brands as a whole. So like, I love, I love fun luxury and I guess they would call them luxury lifestyle or whatever, but I love the one hotels. Okay. All over. I really love, so if you really follow, I used to be, I used to do a lot of work with Ritz Carlton pre pandemic and now they’re just garbage. But horse, the guy who co-founded it started Capella. Capella Hotels is really cool, really fun. It’s just, I like brands that don’t take themselves too seriously. I mean, I hate the whole corporate stuffy stuff. And listen, I’m titanium bonvoy, like I stay in Marriott properties all over the world. Just so I can hit that status. Right. It’s easy because they’re large, they’re boring. The marketing is, I mean it’s, it’s so vanilla, it’s so beige. It’s so like, like it’s forgettable in 10 seconds. Never used to be, and it’s interesting. I remember when W first came out when they were Starwood. W was awesome. I mean fun, great, great, great. Like the marketing was like, just so off the chart and now they just look like any other hotel. Cassady Quintana: Which is so interesting. ’cause social media is like the place to be crazy and be fun because there are really no rules. And like why wouldn’t you be, especially if you were that at one time and your competitors are doing that. Why? I wanna, I wanna know like what the logic is behind that. Like are they trying to keep an image or? Scott Eddy: No? Well, well the ones that are that fly a big flag like Marriott and Hilton and that, they always hide behind, oh, well I can’t do that. ’cause of brain guidelines. Right? So you can’t show fun. Of course you can, right? They just hide behind the rule book and everything takes 15 approvals. So by the time you do have a good idea and you want to execute it, it’s gone. Cassady Quintana: It’s too late. The trend is over. Scott Eddy: It’s about speed. Cassady Quintana: Absolutely. Yeah. Well, I’ll definitely go check out those brand Instagram pages. ’cause that’s the kind of stuff I like to look at. I mean, that’s what makes me as a traveler, I don’t really have much brand loyalty. So I like to do research and look at their Instagram pages and social media, and I’m gonna pick the one that looks the most fun to me. So super important. Okay. Well as we wrap up, Scott, I’m so excited we had this conversation, but for anybody that’s listening, what are you up to next? Where can they find you? You have any campaigns or exciting things coming up? Scott Eddy: I mean, I’m pretty much, I mean, you’re all of this month I’m going, so the, the the top vacation club company and now they’re transforming into just hotels. Nice. But, it’s called Ante in Mexico. So they just launched their ultra luxury cruise line here in the med couple weeks ago. And we’re going out there to film and, and to shoot. That’s the cruise we’re joining on Saturday. And then I’m spending the last two weeks this month in Rome. And then next month I, I’m going to Ellie Miami the first week of June. And then I go to Sicily to speak at a conference. And yeah, so I’m going nonstop and at the same time I’m doing a whole rebrand. So in the next few days I’m launching new website, new logo, new everything. So it’s fun. Cassady Quintana: Well, perfect. By the time this episode comes out, you’ll have your full rebrand. Scott Eddy: There you go. Cassady Quintana: So when people listen to this and they find you, you’ll be ready. So, perfect. Well, I’m excited to, to watch your travels and of course I’m connected with you on LinkedIn and love to see everything that you’re up to. I’ll make sure to follow your Instagram too so I can get that morning inspiration for my Sunrise walks. But thank you so much for taking a little bit of your time out of your day. I know you’re super busy with travel and things going on, so I really appreciate it and I know our listeners do. So thanks for joining me. Scott Eddy: Thanks for having me, man. Cassady Quintana: All right, cool. Well, thank you everybody for listening to another episode of the Social Success Series, and we’ll see you next time. Be sure to subscribe wherever you get your podcast so you don’t miss an episode. The Social Success Podcast is produced by Travel Media Group. Our editor is Brandon Bell with Cover Art by Bary Gordon. I’m your host Cassady Quintana, and we hope you enjoyed this episode.

This episode was recorded at The Ritz-Carlton in Toronto during the Women in Entertainment Canada Summit and Awards; an event produced by The Hollywood Reporter in partnership with Access Media Canada. The summit featured a remarkable lineup of guests, including best-selling author Rachel Reid, whose novel Heated Rivalry inspired the major Canadian TV series. The awards ceremony was a highlight, with notable honorees like Lilly Singh, who received the Equity in Entertainment Award. Lilly delivered a powerful speech on the real-world impact of representation in media while calling for genuine change in the industry. Stacey Aglock McDonald and Alethia Arnekook Baril, the Inuk screenwriters behind North of North, were celebrated with the Breakthrough Award. The event also honored actress Malin Akerman with the Impact Award and comedy legend Andrea Martin with the Icon Award. Ahead of the awards, Sarah Burke interviewed Liz Duff, creator and host of the Late Night Scrolling podcast to discuss her pivot from the tech industry to content creation, and her passion for spotlighting Canadian pop culture. Find Liz & her Podcast: https://www.patreon.com/cw/LateNightScrolling https://shows.acast.com/late-night-scrolling/about https://www.instagram.com/producerliz/ More About Women in Entertainment Canada: https://womeninentertainment.ca/honourees/ https://www.womeninmedia.network/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Marya Propis about her career in retail brokerage, wholesale distribution, and executive leadership. Marya speaks of leaders who influenced her, how her leadership skills have changed in 30 years, and how emotional intelligence guides her as she helps young insurance professionals at RT Specialty. She also shares the importance of physical fitness and self-care in showing up at her best each day. Marya discusses the wholesale Excess and Surplus Lines marketplace in the U.S. She talks about her involvement in industry associations and the enthusiasm she has for helping students and new risk professionals. She shares information about the Spencer Educational Foundation's Funding Their Future 2026 Gala, where she will be one of two honorees. She serves as a Director of Distinction, acting as an ambassador for the Spencer Educational Foundation.   Listen for Marya's enthusiastic approach to persuasive leadership.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will be rejoined by our friend Marya Propis, President of Retail Distribution at RT Specialty and honoree at this year's Spencer's Funding Their Future Gala in New York City on September 17th. There is a lot to catch up on. But first… [:47] RIMS Virtual Workshops. The next RIMS-CRMP-FED Exam Prep with AFERM will be held on June 16th and 17th. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Links to registration are in this episode's notes. [:58] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:13] You can enroll now in the RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. Eastern Time. The registration link is in the show notes. [1:34] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. We want to hear from you. Submit a session proposal by June 19th to reach engaged practitioners, innovators, and leaders looking for guidance they can utilize right away. [1:52] Help define what's next for Enterprise Risk Management. Submit a session proposal by Friday, June 19th. Visit RIMS.org/ERM2026. [2:02] Folks, through the generosity of its industry partners, RIMS has launched The Foundation for Risk Management™, which provides scholarships for early-career professionals to attend RIMS events like RIMS Texas Regional Conference, RIMS Canada Conference, and RISKWORLD. [2:21] The Foundation also helps beneficiaries earn their RIMS-CRMP and fund research projects. To learn more or contribute to the Foundation, visit RIMS.org/FRM and visit the link in this episode's show notes. [2:36] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:56] On with the Show! Marya Propis is rejoining us on RIMScast. She is the President of Retail Distribution at RT Specialty, and she will be honored this year at the Spencer Funding their Future Gala at the Waldorf Astoria in New York City on September 17th. [3:17] We'll learn about Marya's career, her risk management philosophy, how her physical wellness fuels her progress as a risk and insurance professional, and why she feels it is critical to continue her support for women in the profession. We're going to have fun. Let's get to it! [3:39] Interview! Marya Propis, Welcome Back to RIMScast! [3:49] Since the last time Justin and Marya spoke, Marya has joined RT Specialty. She is coming up on her 6th anniversary with RT Specialty. It has been the most enjoyable and successful career chapter she has been fortunate to enjoy. [4:04] Marya says there are so many great things to talk about in terms of what's going on in the marketplace and at RT Specialty and how that pertains to Spencer. [4:20] Marya is President of Retail Distribution. She was promoted to that role several months ago. A dedicated group under her leadership is keeping a finger on the pulse of what's going on in the ultra-dynamic U.S. retail landscape. [4:47] They are always thinking of ways to be more client-centric, partner more fully with their retail clients, and think of all the places that their clients need RT to be as the top wholesale partner in the U.S. [5:08] Marya has six people on her team for a wholesaler that placed $32 billion of premium last year. But, actually, her team is the entirety of all the brokers and underwriters that work for RT Specialty. That's 1,500 people. [5:28] Marya's job is to make the brokers and underwriters who work for the team more successful every day. Her stakeholders are the market-facing, talented brokers and underwriters. They are her team. [5:46] Marya sets best practices and standards around compensation, conferences, and the way they engage. Client-centricity is very important, so Marya extends direction for it. [6:00] Marya explains how leadership style has evolved. In the first half of her career, it was all about command and control, from the top down. Telling everyone what to do has evolved positively. [6:19] Marya prides herself on having very good influence and leadership skills. She says people want to follow her direction. She had to learn a lot to go from telling people what to do to creating a path people want to follow. Being a command-and-control leader doesn't feel good. [7:00] Marya says that when we started talking about emotional intelligence as an important part of leadership, she realized she had it. She just hadn't been using it in any of her management or leadership roles. [7:11] It became more acceptable to use emotional intelligence to get your team aligned and get people thinking around the direction you need to go as a team or a firm. That's been very positive for Marya, but she couldn't flip that switch overnight. [7:30] Marya had to learn a lot to change her leadership style so people want to follow and feel that she is creating the right direction, so they can be more successful, not leading them down a path to doom and demise. [7:52] Marya says that an emphasis on emotional intelligence came hand in hand with the industry starting to pay attention to women in insurance and the lack of representation of female leadership in insurance. [8:09] Marya says that a decade ago the insurance industry started to be deliberate about realizing they didn't have many women in leadership and that there were obstacles in the industry to women being promoted and compensated at the same rate as their male colleagues. [8:31] Emotional intelligence came along with the recognition that women have a distinct and unique skill set. Emotional intelligence is a prevalent part of a woman's skill set. Women bring real value as leaders. The traits that come with that include emotional intelligence. [9:07] Justin says we have such a great group of rising risk professionals, particularly females, in the profession and the RIMScast listenership, so this is a great way to kick off this dialog.  [9:25] Marya says she has worked for a lot of great leaders. She was fortunate to work closely with many executives. You can watch a leader and learn a technique or a trait that you can add to the skill set you already have. Marya says she gets her best material from others. [10:14] Marya says Pat Ryan, who founded RT Specialty, is the absolute Superman of insurance. Any time she hears Pat Ryan talk, she leaves with a gem that she commits to do or think about, going forward. He uses an expression: "Do the right thing, because it's the right thing to do." [10:47] If you use that as a guiding principle for how you set your priorities and make decisions, based on what your retail clients need, then it's very obvious what you need to do. It has become a guiding principle for her in the way she makes decisions every day. [11:47] Marya says her scope of responsibility is just retail clients. Her colleague Leah Ohodnicki oversees carrier management. They talk all the time. There are so many of the same principles that they apply, just to different channels in the marketplace. [12:07] Marya has been a career salesperson. For her whole insurance career, she has sold stuff. She has sold capabilities and products. She sells and represents wholesale brokerage services. [12:27] Marya says no client is like another. You must see every client with fresh, objective eyes. Every client has something unique, or a competitive advantage, or something special about the way they've built their firm. Sometimes you have to look carefully to find it, but it's always there. [13:06] You have to be willing to put yourself in their shoes. How do they see the world? How is that retailer creating visibility and driving success? [13:26] Marya prides herself on being a student of who the retail client is and thinking about how to better frame partnership strategies to work with them as effectively as possible, rather than thinking about herself, RT Specialty, and all the stuff she can throw at any retail client. [13:48] In Marya's mind, the way to do it is to start by asking what they need. Where is the place that they will need RT Specialty to be more successful? Then she constructs an engagement approach around that. That's different from how she thought about it 20 years ago. [14:15] In any industry, Marya doesn't want to be a vendor. She wants to be a partner. There's a big difference in the way you have to think to be a trusted business partner. That's a very important part of Marya's personal and professional philosophy in creating partnerships. [15:13] Marya says she's very committed to the digital distribution model. It's been one of the more exciting and dynamic components of the retail channel. Marya doesn't use AI interchangeably with digital distribution. Digital distribution is where we sell things online. [15:41] Marya says AI is a technology enabler that helps us be more efficient in sales. RT Specialty has an online portal called RT Connector that has been trading E&S Specialty, Micro and Small Commercial P&C products for eight years on the digital distribution platform. [16:09] Marya says there's a newish type of retail agent in the U.S. marketplace called digital agencies. They want to trade as efficiently as possible. They want API connectivity. They're focused on a specific segment and industry, in terms of where they feel they can sell and trade. [16:31] Marya says even the way they acquire leads is very different than a traditional retail model. Marya says we're certainly not going to sell RT the same way to a digital agency as we do to a big Alpha house. They're very different. [16:51] Understand the model. Understand how that retail agent or broker is structured, and meet them where they are. With digital retail agents, it's a completely different type of retail partnership that they can build with them vs. other models they've worked successfully with. [17:18] Marya says our retail clients are always evolving and changing and buying lots of stuff, in mergers and acquisitions. They restructure. How they choose to go to market. How they're winning business. Marya loves all the learning that comes as the market and her clients evolve. [17:45] Marya says they're a wholesaler. Their digital platform will reflect the appetite and eligibility of the technology-enabled carriers that are represented on the RT Specialty platform as trading partners. [18:10] Marya says they have 130 talented binding authority teams across their U.S. platform. They know what their appetite is; they have the binding authority. That's human interaction. [18:28] Marya says RT Specialty mimics that same process with some of the same carrier partners by putting their product-specific appetite on their digital platform. [18:38] The same agent can either go to the RT binding authority underwriter or go through RT Connector. If it fits the appetite of the products on RT Connector, in five minutes, the agent can rate quote, bind, issue, e-deliver policies, surplus lines taxes, and finance premium. [19:02] Marya says she can ask agents how they want to trade the E&S specialty marketplace. There are a lot of paths they can follow that get them to the same place where they win. RT Specialty can put the right resources around that. [19:35] Marya says if a retail client brings a franchise opportunity to RT Specialty, if it's a franchise operation that's insured, RT Specialty will write it. They write lots of them in the U.S. Marya participates in risks her retail clients bring to RT. [19:52] Marya doesn't sell directly to franchises, but RT has a lot of franchises and programs in chains in their book of business. RT has the largest sports and entertainment practice in the wholesale segment in the U.S. It's a tough segment of the marketplace. [20:20] RT Specialty has invested a lot in terms of talent. RT Specialty owns the largest MGU in the marketplace. The sports are professional, amateur, and everything in between. It's a very successful market segment for RT Specialty. [20:41] Marya explains that an MGU is a Managing General Underwriter, which is different from an MGA (a Managing General Agency), which is different from a Program. Marya says this has been one of the fastest-growing segments of the specialty market in the United States. [21:09] Marya says you create a homogeneous appetite for a certain bulk of business, find a carrier partner, set up a Program, and open your storefront and either distribute through retailers or wholesalers. Some are direct-to-insureds [21:30] Managing General Underwriter means that we would create the appetite and the guidelines. Managing General Agent means that the carrier has already defined that, and they're allowing us to put a storefront in front of that. [21:54] That's different from some of the traditional carriers that RT Specialty works with, like Lexington Insurance Company or Westchester Insurance Company. Those are carriers. That is a different solution than when RT Specialty approaches an MGU on behalf of their retail client. [22:18] Marya says anytime you have a lot of people in one place at an event, there are lots of risks associated with that: gun violence, political violence, and means of evacuation response. We have seen that time and again. [22:43] When you have a lot of people congregating for a sporting event, a demonstration, a commemoration, or other event, it's gotten much riskier when you put a lot of humans in one place. That has made that segment of the marketplace much more challenging than ever. [23:10] Marya mentions boxing matches in Vegas or the number of active shooter incidents in Vegas. Marya believes the Excess and Surplus Lines market segment is the permanent home for high-hazard risks in the U.S. It's not an escape valve. [23:42] Marya says that in her lifetime, those types of risks will never swing back to the direct admitted standard carrier side. As a wholesale broker, RT Specialty is looking to partner with carriers that have the right type of appetite to support those risks. [23:59] RT Specialty builds products, so they own MGUs, MGAs, and Programs. They invest and build products when segments of the marketplace become very tough, so they have solutions available through their brokers and underwriters to write any risk in any class of business. [24:19] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [24:37] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. [24:48] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026, in Chicago. Visit ChicagolandRiskForum.org for more information. [24:59] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [25:16] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are already open. Earlybird registration is open now. [25:31] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [25:45] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. The deadline for educational content submissions is Friday, June 19th. Get submissions in now. The link is in this episode's show notes. Registration opens in July. [26:08] Let's Return to Our Interview with Marya Propis! [26:32] Justin asks about Marya incorporating workouts into her life so she can perform better as a risk and insurance professional. Justin also feels that he has missed out if he has not exercised or worked out for a certain time each week. [27:03] Mary has 35 years in the business. She travels every week. She flies a lot. She is very focused on her wellness routine. She has been an athlete her whole life, so working out is important to her. So is self-care. [27:34] Having gone through menopause and figuring out what was going sideways, physically and mentally, Marya feels good about where she is today, in her commitment to herself, supplements she takes, and understanding healthy brain function and the effects of hormones. [28:09] Marya says we know hormones have a significant impact on our ability to function, both for men and women. Marya says her lifestyle is not perfect. She eats at restaurants 80% of the time, and entertaining clients involves alcohol. [28:40] Marya loves the relationship-building, social, and personal connection side of the business. She's not going to skip drinks or dinner with anyone. But it's a place where there can be a lot of pitfalls. She doesn't subscribe to an austerity lifestyle. But she has to pick her spots, now. [29:10] Marya says she can't be dragging on Thursday morning. She still has two big days ahead of her to deliver. Marya talks about sleep quality, not just how much you get, which gets tough when you're sleeping in different hotel rooms. [29:35] Marya says, This is the way it is with the career I have chosen, and I love. She has to be much more deliberate and mindful and remind herself that in June, she is traveling 18 days. On the days she's not traveling, she knows what to do for working out and for her wellness routine. [30:24] Marya says she is open and willing to learn. She is open to trying and learning new things. She believes in supplements and vitamins. She takes different ones now than she would have taken a decade ago. You have to be a student of that, like everything else in life. [30:43] Marya says The second you start to lose the desire to learn, what's next? It's not really fun when people's mindsets change. [30:54] Marya has been a Yoga practitioner for 30 years. She does Power Vinyasa in an infrared studio. Marya says the benefits of infrared are scientifically not debatable. She says infrared is great for joints, skin, and healthy brain functioning. It amped up her Yoga routine. [31:15] Marya does TRX bodyweight exercises. Most of the hotel gyms today have a TRX setup. She loves that, since she spends a lot of time in hotels and hotel gyms. Marya does circuit training. She works with heavy weights three times a week to maintain skeletal strength. [31:53] Marya says it sounds like a lot. As an athlete, when you have to perform and deliver, it's part of the way you have to think. It's how Marya thinks. She has to show up and be her best self when she's representing RT Specialty in the marketplace. [32:14] Marya has a lot of people relying on her to be crisp and present with a great level of energy. You can't do that if you're dragging all the time. [32:40] Marya grew up in Buffalo, New York, so she's a skier. It was the first sport for her family. She played tennis in high school and college. She ran track as a sprinter. Her favorite sport is Yoga. A couple of genres of Yoga have world competitions. Mary likes vigorous, athletic Yoga. [33:34] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period is now open, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [34:05] General Grant applications are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [34:16] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [34:24] Let's Conclude Our Interview with One of the Two Honorees of the Spencer Educational Foundation's Funding Their Future Gala 2026, Marya Propis! [34:48] Justin asks about associations Marya is plugged into that support empowering women in the risk and insurance industry, such as APIW and WISE. [35:01] Marya represents RT Specialty on two boards. One is CIAB (The Council of Insurance Agents and Brokers), an international organization known for its regulatory and lobbying efforts. [35:25] Marya spent a week in London last month with CIAB. There is so much going on in the London marketplace. That has been a lot of fun and a place to continue to learn. [34:47] The second board is WSIA (Wholesale & Specialty Insurance Association), representing the wholesale specialty segment. There are specialty markets around the world, but the E&S lines market segment only exists in the United States. WSIA is a wonderful organization. [36:14] Marya says that what's great about both CIAB and WSIA is what they do to support young and developing insurance and risk management professionals. It's consistent with and complementary to the work, scope, and mission of the Spencer Educational Foundation. [36:32] Marya loves the way all of that comes together. Marya has been in the space developing, recruiting, and supporting emerging leaders and talent in the insurance and risk management marketplace for a long time. It's a space she loves to be in. [35:56] It all comes together nicely with Marya's board service and her commitments to foundations and causes. [37:10] Justin says the Spencer Funding Their Future Gala will be on Thursday, September 17th, at the world-famous Waldorf Astoria. Marya is one of the two honorees this year. Justin asks what this honor means to Marya. [37:35] Marya can't remember a time when she looked forward to something so much. First, she was surprised, and she feels really humbled. Marya had been a Spencer Board member and Chair of the Board, thinking about whom they would honor, every year for a decade. [38:05] It's really humbling to be considered, let alone this year, going back to the Waldorf Astoria. Marya remembers the Spencer Gala there, at which she spoke as Chair of the Fundraising Committee. [38:22] Marya just about passed out before going on stage, as she had never talked before so many people. She was hyperventilating. She didn't fall off the stage. She enjoyed herself a little bit. The Waldorf Astoria is one of the most storied hotels in the history of New York City. [39:06] Marya says Sierra Signorelli is the other honoree for the Gala. Sierra and Marya worked together early in their careers at AIG. They got a significant start to their careers then. They've known each other for a long time. Marya praises Sierra and is so happy to be doing this with her. [39:32] Justin notes that Sierra is the Zurich U.S. CEO and the Zurich Commercial Insurance CEO. Those are not easy titles to achieve. Zurich is a global insurance carrier. Marya admires Sierra's career trajectory and the leadership influence she has had on so many. [39:51] This is the first time there have been two female honorees in the history of the Spencer Gala. Marya says sharing that honor with Sierra, someone she knows, trusts, and respects so highly, makes it even more special and a night to look forward to. She can't wait! [40:17] Marya is now a Director of Distinction on the Spencer Board. Her RT Specialty colleague, Michael VanAcker, is on the Spencer Board today. Marya mentions that Pat Ryan was honored by Spencer at one of the first Galas. Tim Turner, RT Specialty CEO, introduced Pat that year. [40:53] RT Specialty has had a seat on the Spencer Board for years. Marya is a Director of Distinction as she is a former Board Chair. They ask her to be an advocate where Megan Miller needs her, and to be conversant on where Spencer continues to support and drive results. [41:18] Marya stays in touch and makes sure she knows what is going on with the programs and schools they are partnering with. Her role is to be informed, be an ambassador, and jump in at any place that Megan and the Spencer team would need her to influence, help, and support. [41:41] Marya spoke at the E&S Insurer conference. At the end of the conference, she brought Megan Miller in and introduced her to the writers' folks and asked if they could get a five-minute spotlight on Spencer next year. That is an example of where Marya can try to help. [42:15] Marya says Spencer scholars are so excited about their insurance career. There is nothing more infectious than their enthusiasm for the career path they have chosen. To talk to a young person who has their whole life in front of them is super energizing for Marya. [42:57] Marya says that when a young person wants to talk to her and spend time with her, she thinks it is great. Enthusiasm is infectious. [43:05] At the end of the day, Marya wants to leave the insurance industry in a much better place than it was when she came into the business. Spending time with young people who will be the leaders of our industry in the future, there's no better feeling. [43:30] Marya says that anything she can do to have influence, set an example, or help them think through something helps her to continue to feel wildly enthusiastic about her career. She loves when she gets to spend time with the young brokers and underwriters at RT Specialty. [43:52] Justin says that the scholarship recipients he has seen on stage at the Gala have been so impressive. They're in school, and they're so involved. They're a shining example of what we want the future of this profession to be. [44:10] Marya says that there was no way, when she was 22 years old, that she could have gotten up in front of a room of 800 people in her profession and spoken like that. She would never have been able to do that. Their ability to get up in front of that audience and talk is huge! [44:37] Marya is impressed by what they talk about, in terms of their careers, and what they've learned. [44:42] Marya is delighted that Spencer has basically kept the Gala format consistent. The focus is on the students and the benefits that Spencer funding drives for the industry. [44:56] It's a place where you can see real impact on real lives because of the fundraising dollars that the risk management and insurance industry has stepped up and invested. That's the focus. Then they have dinner. There are two honorees, and they wrap it up. [45:12] Marya loves that they have never complicated the program for Gala. It has kept the focus in the right place, which is what they are doing to fund the future leaders of the insurance and risk management industry. She's excited to meet the Spencer scholars who will speak at the Gala. [45:35] Marya says that lots of times the speakers bring their families. She says her Mom and Dad will be there. That will round out what's going to be a terrific and exciting evening. [45:47] Jason says, We look forward to seeing you there on September 17th at the Waldorf Astoria in New York City. Marya will be there with her old friend Sierra Signorelli. It's going to be a fantastic, tremendous time! The link to the Funding Their Future Gala is in this episode's notes. [46:08] Marya, we're very happy for you. Congratulations again! I can't wait to see you again in September. Marya looks forward to seeing Justin again and the team from RIMS, another long-standing, awesome, successful partnership between Spencer and RIMS. [46:27] Special thanks again to Marya Propis for rejoining us here on RIMScast! We congratulate her again in advance of her receiving the honor at the Spencer Educational Foundation's 2026 Funding Their Future Gala, which will be held on September 17th at the Waldorf Astoria in NYC. [46:47] Visit SpencerEd.org for more information and to purchase your ticket and for sponsorship opportunities. Join us next week, as we will be joined by Spencer Board Chair Johnell Holley. We will learn all about his career journey and risk philosophies. [47:03] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [47:32] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [47:50] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [48:08] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [48:24] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [48:37] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [48:49] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Session Submission Deadline: Friday, June 19 RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available RIMScast on YouTube! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management Magazine | Contribute | Look for the Awards Edition in "Digital Issues"! RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA | July 21‒22, 2026 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Too Hot To Ignore: Heat-Related Injuries and Workers' Compensation" | July 16 | Presented by Zurich   Related RIMScast Episodes: "Spencer Day 2026 | The Future of Strategic Risk Management" "Risk Management Momentum with Tim Ryan" (2025 Spencer Honoree) "The Strengths of DE&I Initiatives with Lilian Vanvieldt-Gray of Alliant Insurance Services" (2024 Spencer Honoree) "RIMS Honor Roll Inductee Emily Buckley" "RIMS Rising Risk Professional Award Winner Tyler Vaughan"   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" (New!) | Sponsored by Global Risk Consultants, a TÜV SÜD Company "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Marya J. Propis, RT Specialty, President, Retail Distribution   Production and engineering provided by Podfly.  

PODCAST LAS NOTICIAS CON CALLE DE 15 DE JUNIO - Evalúan si PROMESA funcionó o no a 10 años - El Vocero Tres averías en el superacueducto no permitían que se llenaran los tanques - Jay Fonseca PR Hoteles advierten de que han gastado 200 mil dólares por día en agua - ElVocero Problemas del Superacueducto hasta nueve meses para reparaciones completas - El Vocero  Disparados los permisos para trabajar entre 14 a 17 años - El Vocero Irán firma acuerdo con USA tras asegurarse de quedarse con uranio y plutonio, reabre estrechamente de Hormuz - Axios Irán asegura tener ciudades subterráneas de armas y misiles - WSJCruceros amenazan con irse de PR - WSKNMMM hoy voy pa Martins BBQEl mejor y más sabroso pollo asado a la varita de Puerto Rico. Cocinando diariamente comida fresca saludable y sabrosa con un montón de complementos para escoger, arroces, habichuelas, verduras, mofongo,tostones,....MMMM....Esto si es criolloMartins BBQ, TOMANDO todas las medidas de salud y sabor para mantener la mesa boricua al dia con opciones para llamar, recoger o delivery por UBER Eats, y DoorDash.MMM Hoy como en Martin's BBQAsado...Jugoso...Sabroso#martinsbbq#incluyeauspicio Hace 60 años secuestraron su hermana y ahora se entera - Primera HoraBaja de petróleo no garantiza baja en gasolina por escasez de producto derivado - Washington Post Gobernadora ahora no va a sacar a agricultores de carreteras - Primera Hora Alza en casos de diabetes tipo 1 - El Nuevo Día Empiezan a cambiar a gas cuatro unidades de San Juan y Toa Baja pero todavía no hay permisos ni gasoducto construido - El Nuevo DíaBaja el petróleo 5% - Oil Price Venezuela firma acuerdo con Shell incluyendo el campo de Loran - Reuters Vuelve a atrasarse apertura del Ritz Carlton de Isla Verde - El Nuevo Día Energía federal se abre para nuclear en PR - El Vocero Anthropic aguanta sus dos modelos más fuertes por prohibición de Trump Baja 13% la venta de autos en PR - Noticel LOS DATOS DEL DÍA Brent:$83.21/barril (▼ ~5%) Diésel (retail EEUU):$5.21/galón S&P 500:7,431.46 (▲ 0.5%) Dow:51,202 (▲ 0.7%, +354) Bono 10Y del Tesoro:~4.54% Euro/USD:1.157 Gas natural (Henry Hub):~$3.05/MMBtu Tasa hipotecaria 30Y:6.52%

Excellence isn't a feeling; it is a system built from repeatable habits and reinforced culture. On this major episode, the team covers recent AI news, a brand-new event for the Community, and the big reveal of this year's conference keynote speaker!Jon catches us up on Claude Fable 5, the ChatGPT super app shift, and the Rock AI Summit on July 7 at 10-11:30am PT. He shares a security warning for anyone evaluating AI tools for their church data.Then Emily announces the man who built the most admired service culture in the world, Horst Schulze, co-founder of The Ritz-Carlton, and RX26's keynote speaker! He turned excellence into a repeatable system and a global standard that led the Ritz-Carlton to win the Malcolm Baldrige National Quality Award twice.Jon introduces Ministry by Design, a framework for applying that same thinking to how a church moves someone from unknown to known, engaged, serving, and leading.Visit the show notes to find all the resources talked about in this episode. Don't forget to join the new Rock Cast Rocket Chat Channel to see what other churches are saying about this episode. Hosted on Acast. See acast.com/privacy for more information.

How a 10% Price Increase Can Double Profit with Erin B. Haag   Find Rocky Lalvani @ www.ProfitComesFirst.com  or email him at rocky@profitcomesfirst.com Make more, work less video: https://youtu.be/   Are you working harder every year but paying yourself less? Top-line gross revenue is often just a vanity metric that hides the fact that a business has zero cash. In this episode with Erin Haag, we unpack the exact math and mindset required to stop underpricing your services and start paying yourself abundantly.   In This Episode: Why a simple 10 percent price increase can double your net profit. How to calculate your monthly client value and cover your break-even with recurring revenue. The strategic rollout: why new clients should see your price increase before existing ones. How to bucket your clients into easy, maybe, and difficult categories for smoother transitions. Why high-ticket buyers are much easier to sell to than mid-ticket buyers. Transitioning your client flow to a Ritz-Carlton level experience.   Key Takeaways: Stop treating gross revenue as the primary goal and target a 30 percent profit margin. Secure enough recurring revenue to completely cover your monthly break-even costs. Test your higher prices on new clients for 30 to 60 days to build your own sales confidence. Target high-ticket buyers who make decisions based entirely on outcomes, not price. Simple math reveals that you do not need more volume if you price your offers correctly.   Money Learning from Erin: Pricing is not just a sales decision; it is a profit decision. She explains that when business owners calculate the monthly client value required to cover break-even, pay themselves well, and protect margin, pricing becomes far more strategic. Instead of chasing more volume, they can make smarter decisions about recurring revenue, premium positioning, and the kind of clients they actually want to serve.   Why this conversation matters: Too many business owners celebrate revenue milestones while quietly carrying stress, thin margins, and little to no cash in the bank. This episode reframes success around profit, owner pay, and financial stability. If you have ever felt like your business looks healthier from the outside than it feels on the inside, this conversation will help you see exactly where pricing may be the problem.   About Erin Haag: Erin B. Haag is the creator of Pricing Overhaul®, a proven method helping entrepreneurs shift their money mindset, restructure pricing for profitability, and pay themselves abundantly. With over 20 years of pricing strategy experience, she works with global corporations and small businesses to increase profit with ease. Erin founded Pricing Overhaul® Academy, certifying coaches to use her method with their clients, and she is also the bestselling author of Give Yourself a Raise: The Mindset and Math You Need to Get to Your First Million. Off the clock, Erin is a mom of 2 who enjoys travel, wine, and cheese.   Links: Website: https://pricingoverhaul.com/   LinkedIn: https://www.linkedin.com/in/erin-b-haag-25a8406/   Facebook: https://www.facebook.com/pricingoverhaul/   Instagram: https://www.instagram.com/pricingoverhaul/   FREE BOOK SAMPLE:   Give Yourself a Raise: The Mindset and Math You Need to Get to Your First Million  https://pricingoverhaul.mykajabi.com/freebooksample2024       Profit Blueprint Calculator I Profit Comes First: https://lp.profitcomesfirst.com/profitblueprintcalc-page   Watch the full episode on YouTube: https://www.youtube.com/@profitanswerman Sign up to be notified when the next cohort of the Profit First Experience Course is available! Free Copy of the Profit Blueprint Book: https://lp.profitcomesfirst.com/landing-page-page  Monthly Newsletter signup: https://lp.profitcomesfirst.com/newsletter-signup Relay Bank (affiliate link): https://relayfi.com/?referralcode=profitcomesfirst Profit Answer Man Facebook group: https://www.facebook.com/groups/profitanswerman/ My podcast about living a richer more meaningful life: http://richersoul.com/ Music provided by Junan from Junan Podcast Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.     

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews François Beaume about the AMRAE 2026 RMIS Panorama available now and about the RISKWORLD 2026 session that François presented. Justin and François discuss ESG functional coverage. They discuss how François uses AI daily. They discuss the continuing increase in RMIS users, moving RIMS out of the niche tool category into an enterprise governance platform. They discuss the 2026 RMIS Panorama findings, the Panorama database, and how you can access it. Listen for insight into the 2026 RMIS Panorama and how your organization compares.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We are delighted to welcome back to RIMScast AMRAE President François Beaume. He's here to discuss the findings of the 2026 AMRAE RMIS Panorama. We'll talk all about emerging trends. But first… [:48] RIMS Virtual Workshops. The next RIMS-CRMP-FED Exam Prep with AFERM will be held on June 16th and 17th. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Links to registration are in this episode's notes. [1:06] You can enroll now in the RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. Eastern Time. The registration link is in the show notes. [1:27] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. We want to hear from you. Submit a session proposal by June 19th to reach engaged practitioners, innovators, and leaders looking for guidance they can utilize right away. [1:45] Help define what's next for Enterprise Risk Management. Submit a session proposal by Friday, June 19th. A link is in this episode's show notes. [1:53] Folks, through the generosity of industry partners, RIMS has launched The Foundation for Risk Management™, which provides scholarships for early-career professionals to attend RIMS events like the RIMS Texas Regional Conference, RIMS Canada Conference, and RISKWORLD. [2:11] The Foundation also helps beneficiaries earn their RIMS-CRMP and fund research projects. To learn more or contribute to the Foundation, visit RIMS.org/FRM and visit the link in this episode's show notes. [2:27] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:46] On with the Show! Our guest today is making his third appearance here on RIMScast. He is the Senior Vice President for Risks and Insurance at Sonepar, and he is the President of AMRAE, the Association for the Management of Risks and Insurance in Enterprises. [3:04] François Beaume is here to discuss the 2026 RMIS Panorama, published by AMRAE, in partnership with EY. Panorama is free and publicly available. [3:14] Panorama provides an in-depth look at the organizations and professionals who are using risk management information systems, how well they've adapted, and guidance for those seeking their first or newest framework. It's always great to speak with him. Let's get to it! [3:28] Interview! François Beaume, Welcome Back to RIMScast! [3:36] François has been Chairman at AMRAE for a year and will be for two more years. Because of his role at AMRAE, Justin wanted to have him on the show to speak about this year's RMIS Panorama. [4:04] Justin mentions a difference between last year's RMIS Panorama and this year's RMIS Panorama. Last year, AI felt like an emerging capability. This year's report shows a 20-point jump in planned or actual AI integration and an 8-point increase in functional coverage. [4:19] At the same time, people aren't always happy with AI. The satisfaction part is still a little bit behind. Justin asks, Are we entering a phase where expectations are outpacing execution? [4:32] François says, Yes, probably. AI has moved faster in CEOs' and leaders' minds than in the organization. Everyone wants the data, governance, and skills. Educating the workforce users takes time. The ambition was there, but the "plumbing" is catching up. [5:11] François says that is what is being reflected in the 2026 RMIS Panorama's deep dive on AI. [5:29] François says he uses AI all day long for various things. As a risk manager, he uses it to increase his efficiency and daily productivity. He thinks that is quite common. He says it's also what we need for faster and better analysis. [6:00] Daily analysis from an AI engine using trusted sources is much faster than manual analysis. Now he has the time to tighten it, understand it, and complement it. [6:44] SONEPAR is using it for their benefit and to better spread risk management principles throughout the organization through Helpdesk or Chatbot, allowing people who are less skilled in risk management or insurance to ask questions through the tools to get support. [7:05] Those tools answer almost 90% of the questions. The remaining questions go to the Risk Management team because they are in a gray area. SONEPAR is using AI more and more and is entering a phase where they are looking at automating some risk management processes. [7:33] François says he is looking at automating business partner assessments, a cumbersome and complex process that the Risk Management team is doing with multiple tools. [7:49] Now, they are trying to streamline it, still with humans making the decisions, based on an AI data set that will be faster and easier to produce and much more reliable. [8:24] Justin says one of the more surprising findings in the RMIS Panorama is that ESG Functional Coverage dropped by 15 points this year. François explains why he thinks this is the case. It's not ESG fatigue, but it's in the way companies are approaching ESG. [9:22] François says a lot of ESG features are moved out of risk management information systems into dedicated tools and sometimes into dedicated teams. In the beginning, some ESG features were encapsulated in Risk Management systems. [9:39] François says it's less and less the case, at least in the tools that are sold in Europe. In the U.S., it could be more mixed. Separating ESG from Risk Management is more linked to maturity and topical evolution, rather than fatigue or a decrease in the importance of ESG. [10:06] Justin says the report also suggests that functional coverage overall has stabilized, which Justin asks if that indicates a mature market. François speaks of maturity and breaks down the RMIS Panorama, made from three surveys: Vendors, Risk Managers, and Insurers. [10:43] Maturity is reflected by a mix of these studies. Almost 250 Risk Managers from 36 countries took the survey. They want smarter features, better insight, better connections, and better decisions. They want the tools RMIS is using to be part of the group's way of functioning. [11:27] François says this is not yet the case. The tools are a bit apart and not fully connected with the CRM and other tools. François says they are starting to change. The risk managers using these tools are expecting change to come in the next few years. [11:52] Justin asks if it's easier today for a startup to build from the ground up with their Risk Management Information System embedded in their processes, or for an established organization. François says today it's easier for both, but big groups are more complex. [12:39] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The 2026 Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [12:57] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. [13:08] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026, in Chicago. Visit ChicagolandRiskForum.org for more information. [13:18] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [13:35] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are already open. Advance registration will open on June 10th. [13:50] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [14:04] The RIMS ERM Conference 2026 will be held on November 18th and 19th in Columbus, Ohio. The deadline for educational content submissions is Friday, June 19th. Get submissions in now. The link is in this episode's show notes. Registration opens in July. [14:27] Let's Return to Our Interview with François Beaume! [14:36] François Beaume presented at RISKWORLD 2026. You can check out the materials from his presentation on RIMS.org/ASC. You will have had to have registered for or attended RISKWORLD 2026 to check it out. We're here to continue the dialog. [15:12] François feels his session went well. There were 50 to 55 people gathered there to listen and take notes. For François, it was pleasant to do. [16:00] François says you have a feeling when you are connecting with an audience. You can see that they are following you, and the message is passing from you to them. [16:51] François says, If you are losing your audience, you can try to use humor. Sometimes you succeed. He tells of a session in a noisy room, where everybody, including himself, was provided with a helmet, to listen to like a podcast. He could not feel if they were getting the message or not. [17:47] When presenting, you try to hold the attention of the room. Justin says that sometimes he locks eyes with somebody who's listening and then talks to that person and hopes that others will pick up on that energy. [18:18] Justin says risk management is not the easiest topic to make exciting. You have to figure out ways to jazz it up a little bit. [18:31] François says if you are convinced that the topic is interesting, that conviction, at a certain point, will pass through the mic and go to the room. If you are not convinced, the public will feel it. Justin says, If you are not excited to present, the audience will not be captivated. [18:58] François notes that he is French and speaks English like a Frenchman, so he has to manage that. His message may not be phrased as the audience expects. The way an American would phrase it is not the way I am using it. Justin stresses listening better to different accents. [19:58] Justin says François is a very good presenter, and the RISKWORLD audience seemed engaged in his message. Justin says if one person walks away with something actionable, it was worthwhile. François says, "Mission accomplished!" [20:23] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period is now open, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [20:43] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [20:58] General Grant applications are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [21:09] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [21:17] The Spencer 2026 Funding Their Future Gala will be held on Thursday, September 17th, from 6:30 to 10:00 p.m. at a different venue this year. It will be at the fabulous Waldorf Astoria in New York City. [21:32] Sponsorship opportunities and benefits are available now. A link to the Funding Their Future Gala is in this episode's show notes. [21:40] Next week's guest is the Funding Their Future Gala Honoree, Marya Propis! More Spencer celebrities and board members will be making appearances on RIMScast this summer, as well. [21:53] Let's Conclude Our Interview with François Beaume! [22:09] Justin says the Panorama notes an increase in organizations with more than 200 RMIS users. Does that signal that RMIS is becoming an enterprise-wide infrastructure, or is it still a niche tool for risk teams? [22:26] François says that this is really positive. A Risk Management Information System is not a niche risk tool anymore. It's becoming part of the company infrastructure. [22:44] Once you have hundreds of users, expectations explode, the momentum is there, and user patience drops. As the tool starts to become more massive and interconnected with other tools, you have to manage expectations. The scope of usage of these tools is widening. [23:16] You have not only niche risk usage, but you also have risk management, internal control, insurance, compliance, etc., that are managed inside the tool. The tool reaches all areas of development. The momentum is self-generating. [24:15] François says executive involvement in RMIS usage is positive. Executives want clarity from dashboards. They want to know what matters, why it matters, and what we can do next. They want the deep insight of the tool. They may not go into the tool, but will use the dashboard. [25:10] François speaks of the progress of the techniques of Risk Management Information Systems. Data mining, SaaS contracts, and AI usage have contributed to making RMIS easier to deploy, connect, and access in order to load data, analyze data, and extract data. [26:08] Now is a time of wider usage of Risk Management Information Systems; once they have been adopted, they are there for life, and then you have to make them evolve. [26:21] This means that we have more discussions inside the corporations on RMIS evolutions and replacement. Are we able to make it evolve on its own, or is it time to change? If yes, what kind of process can I depend on to contemplate and manage that change? [26:56] This is executive level. You have created expectations. You have provided dashboards and KPIs, and you have to manage the production. Once it's done, you need a different momentum to run the production and make it better and more accurate over time. It's not easy. [27:40] With their partner EY, AMRAE is finalizing the deployment of the 2026 Panorama Sessions. The French translation will be released by mid-June, and explanation sessions will be run with vendors, risk managers, insurers, and brokers. [28:05] François says AMRAE is already working on the 2027 Panorama, which will be ready for the next RISKWORLD session in New Orleans. [28:27] If someone wants to participate in the Panorama, they need to contact AMRAE. Risk managers will be contacted by the risk management association of the country where they operate. If you are a vendor, you can contact AMRAE. AMRAE contacts insurers and brokers. [29:35] Justin says if you wish to participate, reach out. Go through your risk association where you have membership, like RIMS, FIRMA, or IFRIMA. The confidential information collected helps educate the global risk community. This Panorama is very important for us. [30:08] François says that inside the Panorama, all the contact details are available. As part of the panel, you have access to an online data form. The Panorama has a PDF version, a snapshot of what's in the database. The full database is accessible to anyone. [30:27] François says that as a risk manager or a vendor, you can run your own analysis by filtering and sorting the Panorama database. [30:45] Justin says that's the nice thing about it: AMRAE has made it complimentary and is broadening the horizons of the global risk community by doing so. [30:57] Justin says, I do miss recording with you in person. So, next year, hopefully we get a chance to see each other and have some Cajun food, put the mic up, and eat some jambalaya and talk. It will be great. I want to thank you again, and you're welcome back any time. [31:17] Special thanks again to François Beaume for joining us here on RIMScast! We look forward to seeing him at a future RIMS event. You can visit AMRAE.fr to access the free and publicly available RMIS Panorama 2026. [31:34] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [32:03] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [32:21] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [32:39] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [32:55] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [33:09] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [33:21] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Session Submission Deadline: Friday, June 19 RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Registration Opens June 10 RIMScast on YouTube! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management Magazine | Contribute | Look for the Awards Edition in "Digital Issues"! RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy RISKWORLD 2026 Presentations Available via Attendee Service Center — www.RIMS.org/Asc - and via the RIMS Events App RMIS Panorama: https://www.amrae.fr/bibliotheque-de-amrae/2026-rmis-panorama Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA | July 21‒22, 2026 RIMS-CRMP-FED Exam Prep with AFERM | June 16‒17, 2026 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "Strategy and Change with Ward Ching and Aaron Olson" "Live from RISKWORLD 2026!" "The Evolving Role of the Risk Analyst" "AI and the Future of Risk with Dan Chuparkoff" "Live from RISKWORLD 2025" "AI Risks and Compliance with Chris Maguire"   Sponsored RIMScast Episodes: "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" (New!) | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL 'Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: François Beaume, SVP Risks and Insurance, Sonepar President of AMRAE   Production and engineering provided by Podfly.

**The One About Spirit Airlines and Why Service Beats Price**In this episode, we dive deep into the shocking demise of Spirit Airlines and explore the crucial lesson that service is far more important than price. As we unravel the reasons behind their abrupt closure, we challenge you to rethink your business strategy and understand how prioritizing customer experience can lead to lasting success. ### Episode SummaryOn May 2, 2026, Spirit Airlines ceased operations, leaving a void in the airline industry and a cautionary tale for businesses everywhere. Vance Morris, a former senior leader at Walt Disney World, shares insights from his experience, contrasting Spirit's low-cost model with the importance of exceptional service. Discover how a lack of customer loyalty and an ineffective service standard led to Spirit Airlines' downfall, and learn how you can build a business that thrives even in challenging times.---### What You'll Learn in This Episode:- The true reasons behind Spirit Airlines' bankruptcy and its business model failures.- How customer service impacts loyalty and retention in any industry.- The difference between competing on price versus providing value through service.- Strategies to create a service standard that sustains your business through market fluctuations.- Real-life examples from Disney, Ritz Carlton, and more on building exceptional customer experiences.- The concept of identifying your true clients based on value, not price.- How to avoid the pitfalls of a price-driven business strategy.---### Timestamps:- [00:00] Introduction to Spirit Airlines' closure- [00:35] The irony of Spirit's service model- [01:07] External factors vs. internal failures- [02:35] The importance of a service standard- [04:01] Real clients vs. price-driven customers- [04:53] How to build a lasting business model- [05:30] Conclusion and call to action---### Frequently Asked Questions:**Q1: What happened to Spirit Airlines?** A1: Spirit Airlines ceased operations on May 2, 2026, due to a combination of financial mismanagement and an ineffective service model.**Q2: Why is customer service important for business?** A2: Customer service fosters loyalty and retention, ensuring that clients choose your brand for the experience rather than just price.**Q3: How can I implement a service standard in my business?** A3: Begin by defining your service manifesto and ensuring all aspects of your business align with creating a positive customer experience.**Q4: What are the risks of competing solely on price?** A4: Competing on price can lead to losing customers when cheaper options arise, as it doesn't build loyalty or a strong brand relationship.**Q5: How can I identify my true clients?** A5: Reflect on which clients would remain loyal even if you raised your prices. These clients prioritize your service over cost.---### Related Topics:- Customer Experience Strategies- Business Model Innovation- Brand Loyalty and Retention- Service Excellence in Hospitality- Strategies for Sustainable Business Growth---**Call to Action:** If you want to learn more about building a service standard that actually sticks, grab my book, "Systematic Magic," at https://deliverservicenow.com/free-book. Transform your business strategy today and avoid the pitfalls of cheapness!---#SpiritAirlines #CustomerService #BusinessStrategy #Loyalty #ServiceExcellence #VanceMorris #SystematicMagic

Thanks to our Partners, NAPA TRACS, Today's Class, KUKUI, and Pit Crew Loyalty Watch Full Video Episode What happens when artificial intelligence meets world-class customer hospitality? In this episode of Remarkable Results Radio, host Carm Capriotto welcomes Mike DelaCruz, CEO of Overdryve Marketing, and Michelle Tansey, co-founder of Euro Clinic, for a forward-thinking discussion on how auto repair shops can use AI, data, and intentional customer experiences to build stronger businesses. From using AI as a strategic business assistant to creating a luxury-level customer journey that rivals brands like Ritz-Carlton and Nordstrom, Mike and Michelle share practical insights on what separates average shops from elite operations. They explain how predictive marketing, operational excellence, and deeply embedded core values can transform customer retention and long-term profitability. What You'll Learn How AI can serve as your shop's "big brain" to improve decision-making and uncover blind spots.How predictive marketing can forecast car count, identify customer churn, and improve campaign performance.The concept of the "NASA Shop" and what elite automotive operations do differently.How Euro Clinic creates unforgettable customer experiences through personalized hospitality.The importance of building systems and processes around your shop's core values.Why strong operations must come before marketing success.How small communication changes can dramatically improve customer trust and confidence.The role data plays in making better business decisions and reducing emotional guesswork. The future belongs to shops that combine technology with humanity. AI can provide unprecedented insight into customer behavior and business performance, but lasting success still comes from exceptional service, consistent operations, and a culture built around caring for people. The shops that embrace both innovation and hospitality will be the ones that stand out, retain customers, and thrive in the years ahead. Mike DelaCruz, CEO Overdryve Marketing Michelle Tansey, Euro Clinic, Santa Clara, CA. Thanks to our Partner, NAPA TRACS NAPA TRACS will move your shop into the SMS fast lane with onsite training and six days a week of support and local representation. Find NAPA TRACS on the Web at http://napatracs.com/ Thanks to our Partner, Today's Class Optimize training with Today's Class: In just 5 minutes daily, boost knowledge retention and improve team performance. Find Today's Class on the web at https://www.todaysclass.com/ Thanks to our Partner, KUKUI Stop juggling multiple marketing tools. KUKUI's integrated platform delivers 4x better website conversions, automated follow-up, and real-time ROI tracking. Get industry-leading customer support with KUKUI at https://www.kukui.com/ Thanks to our Partner, Pit Crew Loyalty You're probably tired of chasing new customers who never return. We understand. Pit Crew Loyalty ends the one-and-done cycle, turning first visits into lasting, reliable revenue at https://www.pitcrewloyalty.com/ Connect with the Podcast: Visit the Website:https://remarkableresults.biz/Subscribe on YouTube:https://www.youtube.com/carmcapriottoFollow on Facebook:https://www.facebook.com/RemarkableResultsRadioPodcast/Follow on LinkedIn:https://www.linkedin.com/in/carmcapriotto/Follow on Instagram:https://www.instagram.com/remarkableresultsradiopodcast/Join Our Virtual Toastmasters Club:https://remarkableresults.biz/toastmastersJoin Our Private Facebook Community:https://www.facebook.com/groups/1734687266778976Join our Insider List:https://remarkableresults.biz/insiderAll books mentioned on our podcasts:https://remarkableresults.biz/booksOur Classroom page for personal or team learning:https://remarkableresults.biz/classroomBuy Me a Coffee:https://www.buymeacoffee.com/carmSpecial episode collections:https://remarkableresults.biz/collections The Automotive Repair Podcast Network: https://automotiverepairpodcastnetwork.com/ Remarkable Results Radio Podcastwith Carm Capriotto: Advancing the Aftermarket by Facilitating Wisdom Through Story...

If you've been listening to the podcast lately, you know we've been talking a lot about client experience, onboarding, and the first 100 days. And this week, I'm coming to you from the Ritz-Carlton in Chicago, where I'm speaking at a conference and taking notes on one of the most recognized customer experience brands in the world. As I've watched the little details and thoughtful touches that make the Ritz-Carlton experience so memorable, I couldn't help but think about how easily many of those same principles can be applied inside an advisory firm. In this episode, I'm breaking down three specific Ritz-Carlton practices that advisors can use to create more memorable, consistent, and remarkable client experiences.In this episode, you'll learn:How the Ritz-Carlton's famous $2,000 Rule empowers employees to solve problems, create memorable moments, and deliver exceptional service without waiting for management approvalWhy capturing client preferences and personal details is only half the battle—and how to actually use that information to strengthen relationships and deepen client loyaltyHow daily service meetings at the Ritz create consistency across the organization and how advisors can incorporate client experience discussions into their own team meetingsThe three foundational pillars of a remarkable client experience: empowering your team, collecting meaningful client intelligence, and creating processes that ensure consistence.The best client experiences don't happen by accident. The Ritz-Carlton has built a reputation for excellence by intentionally empowering employees, documenting client preferences, and creating systems that reinforce exceptional service every day. The good news is that you don't need a luxury hotel budget to apply these principles. Small, thoughtful actions backed by strong processes can help your clients feel seen, known, and valued—and that's what creates loyalty, referrals, and lasting relationships.Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about T2MWorks HERE! Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE!   Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Send us Fan MailHello, passionate cruisers! This is Paul and this week on The Joy of Cruising Podcast; I am delighted to welcome Ralph DeFalco, a former U.S. Navy Captain turned cruise ship enrichment speaker, who brings a rare blend of global experience and storytelling to audiences at sea. As a Smithsonian Journeys Expert as well as a speaker with Ritz-Carlton, Ponant and Viking, DeFalco lectures on geopolitics, maritime history, and world affairs—often while sailing through the very regions he's discussing. With five-decade career spanning five continents, including time on the Pentagon staff of the Director of Naval Intelligence, he offers travelers deeper context on the destinations they're visiting, from strategic waterways to culturally rich ports. His government career also informs his novel, "The Counterfeit," a geopolitical thriller imagining a fractured future shaped by global conflict.Listeners, let's get to know Ralph DeFalco and hear about his life as a cruise ship speaker, how travel shapes our understanding of world events, and the stories behind the ports he's explored.Do you have a dream car? Support the showSupport thejoyofcruisingpodcast https://www.buzzsprout.com/2113608/supporters/newSupport Me https://www.buymeacoffee.com/drpaulthContact Me https://www.thejoyofcruising.net/contact-me.htmlBook Cruises http://www.thejoyofvacation.com/US Orders (coupon code joyofcruisingpodcast)The Joy of Cruising https://bit.ly/TheJoyOfCruisingCruising Interrupted https://bit.ly/CruisingInterruptedThe Joy of Cruising Again https://bit.ly/TheJoyOfCruisingAgainIntl Orders via Amazon

Patrick Renna joins Nerdtropolis Mayor Sean Tajipour on Reel Insights to talk about The Sandlot, summer nostalgia and his partnership with HersHEY'S for a new s'mores campaign. In this conversation, Renna looks back at playing Hamilton “Ham” Porter, why The Sandlot still connects with fans more than 30 years later, and what it feels like to be part of a movie that families continue passing down through generations.Renna also opens up about his love for summer memories, camping, road trips and the great outdoors, while settling the ultimate s'mores debate: Camp Toasty or Camp Gooey. He shares why HersHEY'S felt like a perfect fit for the campaign, how his son joined him for the spots, and why he believes a real s'more is not the same without HersHEY'S chocolate.The HERSHEY'S Flavor Combos S'mores Kit puts a fun twist on the classic campfire treat with everything you need in one convenient box. Each 29.01 oz. kit includes three HERSHEY'S Milk Chocolate Bars, three HERSHEY'S Milk Chocolate with Caramel Bars, three REESE'S Peanut Butter Cups, two packs of graham crackers and one bag of marshmallows.The conversation also dives into Renna's career beyond The Sandlot, including memories from Son in Law, The Big Green, Punks, The X-Files, ER, Boston Legal, Home Improvement and GLOW. Plus, Renna shares behind-the-scenes stories about the Sandlot cast, his friendship with Chauncey Leopardi, his “Home Alone moment” at the Ritz-Carlton during the original press tour, and why the movie still gives him “the feels” after all these years.Visit Nerdtropolis.comFacebook.com/nerdtropolisInstagram.com/nerdtropolisTwitter.com/nerdtropolisTikTok.com/@nerdtropolis

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Emily Buckley, Insurance Risk Manager at Specialized Bicycle Components. They discuss how, in her career, she arrived at risk management, from tossing T-shirts into the stands at Ball Stadium. They talk about her work leading risk at Kroenke Sports and Entertainment for years, and then joining Specialized Bicycle Components to become their Risk Management program and launch ERM for them. Emily talks about Specialized hiring the best people, including professional and Olympic athletes, to make the best product. Emily's purpose is to build the best Risk Management and ERM Program for them. Justin and Emily discuss how she feels about being named the RIMS 2026 Honor Roll Recipient. They discuss her involvement with the Rocky Mountain RIMS Chapter and her engagement in the ERM Engage Group. Listen for the excitement and energy Emily brings to the ERM Program at Specialized.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We are so excited to welcome back to the show Emily Buckley of Specialized Bicycles. She was recently named to the RIMS Honor Roll at RISKWORLD, so we have lots to discuss regarding safety, career development, and ERM. But first… [:48] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep will be held on June 9th and 10th. The next RIMS-CRMP-FED Exam Prep with AFERM will be held on June 16th and 17th. Links to registration are in this episode's notes. [1:04] You can enroll now in the RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. Eastern Time. The registration link is in the show notes. [1:25] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. We want to hear from you. Submit a session proposal by June 19th that will reach engaged practitioners, innovators, and leaders looking for guidance they can utilize right away. [1:43] Help define what's next for Enterprise Risk Management. Submit a session proposal by Friday, June 19th. A link is in this episode's show notes. [1:51] Folks, RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:10] On with the Show! Our guest today is one of the liveliest RIMS members I know! She is Emily Buckley, the Insurance Manager for Specialized Bicycle Components, a global performance brand. [2:23] Emily is the Vice President of the RIMS Rocky Mountain Chapter. At RISKWORLD 2026, Emily was named to the RIMS Honor Roll in 2026. Emily made her RIMScast debut in 2024 for National Bike Safety Month in Man, and we're recording in May again. [2:47] We'll have a lot of fun talking about bicycle safety and how Emily embeds safety into all aspects of risk management and the risk culture over at Specialized Bicycle Components. [2:59] Emily has had a remarkable career at Specialized. She is the company's first-ever dedicated risk manager. She has built a modern enterprise-ready risk and insurance function from the ground up, which we are going to talk about today. [3:12] We'll talk about her risk philosophies, her approach to polycrisis and supply chain risk management, and why her involvement in the RIMS Rocky Mountain Chapter has been so critical for her career. Let's get to it! [3:27] Interview! Emily Buckley, Welcome Back to RIMScast! [3:50] Emily says receiving the RIMS Honor Roll award seemed surreal. It was very cool to be onstage, be recognized, and have the village she had built around herself there supporting her. Everyone was so excited for her. It was one of the coolest things she had ever experienced. [4:27] Justin calls Emily the Risk Queen of Denver and the Greater Denver Area and says she has a lot of support behind her. She's "got heat!" [4:48] Justin is recording this episode during National Bicycle Safety Month. This is Emily's month. At Specialized Bicycle Components, every day is National Bicycle Safety Month! [5:19] Justin talks about safety being embedded into the manufacturing and shipping of bicycles. [5:34] Emily says every day, even when she is sleeping, safety is on her mind. [5:46] Specialized Bicycle Components has a Safety Team. Emily's broker has a Safety Specialist assigned to her account. Emily has connected those two teams. She is a liaison between them, and she works very closely with her Safety Team at Specialized Bicycle Components. [6:02] Emily has monthly meetings with groups at Specialized Bicycle Components to discuss safety initiatives. She says the Safety Team at Specialized does a phenomenal job. [6:26] Emily says Risk Management is a department of many hats. She tells people that if there is pushback on an initiative, I'll be the bad guy. Tell them, Sorry, Risk Management is making us do this. Sometimes that's a little bit easier to sell. [7:11] Emily has been practicing risk management for almost 15 years. She started at Kroenke Sports and Entertainment in Customer Interaction, including tossing T-shirts into the crowd for the Denver Nuggets. People wanted those shirts. [9:05] When Kroenke posted a job for a risk analyst, Emily applied, and Peggy Miller hired her. Emily talked about this in her past appearance on RIMScast. Peggy is the President of Rocky Mountain RIMS. Peggy taught Emily almost everything Emily knows about risk management. [9:34] Peggy took Emily under her wing. She taught Emily how to review contracts for risk management wording and insurance requirements. Emily could go to Peggy with any question, and Peggy would explain it. Emily says that Peggy is a phenomenal boss. [10:07] Emily found an opportunity at Specialized when it was time to spread her wings. She still calls Peggy from time to time for advice. Peggy is always willing to help. [10:34] Emily joined Specialized Bicycle Components and became the risk management department. She came in two or three months before they did their insurance renewal, so it was initiation by firehose. [10:53] It was a great opportunity to learn about the program. She was also educating them about what risk management does and how they should be running their program, and educating them about insurance requirements. [11:16] Emily says Specialized has an amazing executive team and ownership. They were so receptive to all the ideas Emily brought them. They also had a lot of creative ideas. As a risk manager, it was fun to come into that environment. [11:49] The risk department has not grown since Emily joined Specialized. [12:21] Emily started an ERM Program at Specialized. It takes a team, and it takes the right partners. Emily thinks every company will benefit from an ERM Program. Stepping into a manufacturing company very dependent on the supply chain, Emily saw that ERM was a must. [12:49] Emily worked with the right partners, did a couple of different tabletops, and hyper-focused on three or four ERM initiatives, for which she built the ERM foundation and the risk management foundation on top. Every project she works on goes back to those initiatives. [13:24] Emily says she is very fortunate to have the ear of the executive leadership. [13:32] One of the mantras at Specialized Bicycle Components is Innovate or Die. Emily has taken that to heart in Risk Management and ERM. Emily is constantly trying to find ways to make the ERM stronger and better, going back to those three or four initiatives. [13:51] Emily thinks outside the box. She has seen some products that don't completely fit Specialized, but by working with the service providers and saying she likes this product, but she needs it to do this, she has found some amazing service providers and partners to work with.  [14:24] As a risk manager, Emily lives in worst-case scenarios. Professionally and personally, she can never get away from worst-case scenarios. A good risk manager is always preparing for the worst-case scenario, always thinking, what is the absolute worst thing that could happen. [14:46] Emily says one of the hardest things is realizing that a lot of people don't live in that headspace. When she goes to teams and tells them the worst thing that can happen, they ask if she is OK. She insists that this worst-case scenario is something they need to think about. [15:12] That's where education comes in. We need to think about it. If this worst-case scenario happens, all of these ripple effects hit every portion of the company. [15:43] Emily says Specialized has been around so long, and with the leadership and experts they have in place, Emily is amazed every day at the team that Specialized has assembled. She says they are the best in their class. There are Olympic and professional athletes on the team. [16:43] A service provider noticed that Specialized Bicycle Components recruits the best people in the world. They want that experience so they can build a better product with better processes. [17:07] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The 2026 Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [17:27] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. Advance rates are available through June 5th. [17:41] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026, in Chicago. Visit ChicagolandRiskForum.org for more information. [17:51] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [18:08] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are already open. Early-bird registration will open in June. [18:22] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [18:37] The RIMS ERM Conference 2026 will be held on November 18th and 19th in Columbus, Ohio. The deadline for educational content submissions is Friday, June 19th. Get submissions in now. The link is in this episode's show notes. We'll let you know when registration opens. [18:59] Let's Return to our Interview with RIMS 2026 Honor Roll Recipient Emily Buckley! [19:13] Justin speaks about the profile of Emily Buckley in the RIMS Risk Management Magazine Awards Edition. It mentions that Emily consolidated fragmented global insurance structures into a unified strategy across more than 30 countries. [19:38] Emily says, trying to get the insurance together at a global company was hard. A lot of people were autonomous, getting their own insurance and doing their own thing. In almost 15 years as a risk manager, Emily learned that insurance is very touchy for a lot of people. [20:23] Insurance costs a lot of money for something that you can't see. You're not using it unless something bad has happened. So it's a very sensitive subject for a lot of people. Emily says it's a job that won't ever really be done because there are so many different moving parts. [21:03] Emily says that in all the different countries we're in, every country has different insurance laws, different ways to buy and pay for insurance, and what kind of insurance you have to have. [21:13] Emily says in some countries, I have to have a locally placed general liability policy, but the property policy that I place on a global level will sit over that. In a different country, I have to have a locally placed general liability/property and a locally placed stock throughput. [21:31] For almost 40 different countries, you have to know which countries you have to have insurance in. That's when your broker becomes invaluable. [21:48] It's helpful to have a foreign team on your broker who are subject matter experts in placing locally placed policies. Emily says she would not be able to do that without the team at her broker, Brown & Brown.  [22:03] Emily talks about educating the people at your company: This is what we currently have, and this is what we need. We need it in almost 40 countries. These 20 are our top priority. You tier them down so you're not throwing everything at the wall. [22:27] You're formulating a plan, then educating and speaking with the people in your company. A lot of questions come up, not only about general liability, but also cyber, and directors & officers. [22:37] It's a sensitive subject that you have to take your time with. Build a relationship with those offices so that when something does happen, or they have a question, they come to you. [23:04] You will always be making connections with your offices, making sure they're happy with their insurance, they understand it, and they have a local contact. If something happens in Taiwan, they need a local contact who can answer questions and relay that to the global team. [24:12] Emily says that every year, there are two or three problem countries, from an insurance perspective, where the carrier or broker has thrown a curveball. Sometimes she has had to pull people out of the program and put them on their own. It's a constantly moving target. [25:13] Emily says at Kroenke, she and Peggy did a business continuity tabletop, where they sat down with all the different department heads at Ball Arena (Pepsi Center, then) and walked through scenarios. They presented a worst-case scenario tabletop with 30 people in the room. [25:52] Emily and Peggy also did a couple of cyber tabletop exercises. Emily stresses how important it is to do a cyber tabletop with your executive and leadership team. They're always amazed at how many different small issues and questions come up that they never thought of. [26:35] Emily says her leadership team at Specialized is fantastic. They've been very supportive. She can throw ideas at them, and they'll say, "Let's do it." [26:49] Justin says people receive these awards from RIMS not just for their achievements in risk management, but also for what they give back to the broader risk management community or their local chapters. [27:09] Justin says Emily is very involved in the RIMS Rocky Mountain Chapter and is a great Networker and is very plugged in. Justin says that if it weren't for Emily, he doesn't think he would have gotten Rich Lenkov from SERMA on the show this year. (Shout out to Rich!) [27:40] Emily says she started going to the Rocky Mountain RIMS Chapter when she was an analyst, working under Peggy Miller. She remembers walking into a Lunch and Learn. Going to Chapter meetings was very inspiring. She wanted to be that knowledgeable one day. [29:10] Emily says this industry is built on your connections to people and how you know people. She says we have the best people in our chapter. We're very involved with students and RRP. [29:24] Emily tells students in RRP, "Come to our meetings. If you don't know anybody, you know me. I will introduce you to everybody. This is where your career is going to take off. This is where you're going to be able to make steps and strides and really make connections." [30:11] Emily says she cannot say enough great things about Rocky Mountain RIMS. She thinks they have one of the best chapters in the U.S., because they have the best people. [30:24] Justin recalls that Ondrea Matthews with CoorsTek was on the show last year. She is in Rocky Mountain RIMS. Emily says Ondrea is one of the best people she knows. Justin says she had fascinating stories. A link to her RIMScast episode is in the show notes. [31:02] Emily says when she joined Specialized, she told them she's a Rocky Mountain RIMS board member, she speaks at conferences, and is a guest lecturer at CU Denver. They were super supportive. [31:47] Emily says Specialized wants to put the best product on the market, and Emily takes that into risk management and insurance. She wants to create the best risk program that she can. She wants to work with the best service providers that she can. [32:12] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period is now open, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [32:32] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [32:57] General Grant applications are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [32:59] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [33:07] The Spencer 2026 Funding Their Future Gala will be held on Thursday, September 17th, from 6:30 to 10:00 p.m. at a different venue this year. It will be at the fabulous Waldorf Astoria in New York City. [33:23] Sponsorship opportunities and benefits are available now. A link to the Funding Their Future Gala is in this episode's show notes. [33:32] Be on the lookout for some of the honorees and Spencer Board members to join RIMScast in June and July. [33:41] Let's Conclude Our Interview with RIMS 2026 Honor Roll Recipient Emily Buckley! [33:48] Justin mentions the RIMS Strategic and Enterprise Risk Management Council. The RIMS ERM Engage Group is a member-only offshoot of SERMC for people to have candid dialogues. All RIMS members have exclusive access to the ERM Engage Group. Emily is a member. [34:38] Emily says the ERM Engage Group gets together monthly for an hour. Morgan O'Rourke, VP of Editorial at RIMS, leads it. Everyone brings issues, or Morgan will have a guest speaker. Emily says it's just such a great place to go and learn from industry peers with similar issues. [35:55] Emily is not trying to reinvent the wheel. If she can bring the problems she is dealing with to a group of professionals, ask how they have done it in the past, and get 10 or 20 ideas, it's amazing. [36:13] Emily recommends the movie, Project Hail Mary, which she calls amazing. [36:27] Justin talks about the monthly guest speaker, often from SERMC, who presents a topic and then engages the group in discussion. The Engage group lets the leaders see who the next ERM leaders are going to be through their participation. It's very interactive. [37:32] If you are a RIMS member, just check out the RIMS ERM Engage Group. Justin says Emily's involvement is above and beyond, not just for her job, but for RIMS, so he was not surprised she received the 2026 RIMS Honor Roll; it's well deserved. [38:18] Emily loves her job. She loves this industry.  [38:40] Emily admits her blood caffeine content was through the roof, preparing for the awards ceremony. Emily looked it up. She is the 43rd recipient of the Risk Management Honor Roll in 75 years of RIMS. She has the award in her window in her office. It is cool to be celebrated. [40:26] Emily says her award makes it into everything. After she got it, she carried it around with her. At lunch, it was sitting on the table. At dinner, it was sitting on the table. She carried it onto the plane with her. [41:22] In the profile about Emily, it talked about perseverance in mountain biking. Juston asks Emily for her inspiration for the next generation of risk professionals. [42:04] Emily's words: "Keep going. You're going to fail, and that's fine. It's part of the journey. Fail. Learn the lesson or lessons, but keep going. Always keep looking at the horizon, saying, OK, I'm going to get there. I'm going to get there, I'm going to get there. [42:21] "The absolute most important thing is, have fun on the way." Emily says she did a little dance on the awards stage, and some students told her they loved seeing her having fun with it. It made Emily's day for them to stop and tell her. "If you're not having fun, what's the point?" [43:21] Justin tells Emily, We look forward to more great things from you in the coming years. We thank you, and we congratulate you again. [45:33] Special thanks again to Emily Buckley of Specialized Bicycle Components for joining us here on RIMScast! Congratulations again to her for being named to the RIMS 2026 Honor Roll. More coverage is available in the RIMS Risk Management Magazine's Awards Edition. [43:27] Go to RMMAgazine.com and check out the digital issues section. We look forward to having Emily back again. [43:55] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [44:23] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [44:41] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [44:59] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [45:15] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [45:29] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [45:41] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Session Submission Deadline: Friday, June 19 RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Registration Opens in June RIMScast on YouTube! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒ Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management Magazine | Contribute | Look for the Awards Edition in "Digital Issues"! RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy RISKWORLD 2026 Presentations Available via Attendee Service Center — www.RIMS.org/Asc - and via the RIMS Events App Press Release: "RIMS Risk Manager of the Year Award Goes to Prologis Head of Global Risk Jeff Bray, Honor Roll to Emily Buckley" Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep | June 9‒10 RIMS-CRMP-FED Exam Prep with AFERM | June 16‒17, 2026 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "Live from RISKWORLD 2026!" "RIMS Risk Manager of the Year Jeff Bray" "RIMS Rising Risk Professional Award Winner Tyler Vaughan" "Sports, Spotlight, and Risk Leadership with Rich Lenkov, Founder and CEO of SERMA" "Supply and Bike Chains with Emily Buckley" (2024) "Absence Management with Ondrea Matthews"   Sponsored RIMScast Episodes: "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" (New!) | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation!  

Unlock what real luxury really means in short‑term rentals with hospitality and branding expert Katie Cline, former PR lead for brands like Ritz-Carlton, W Hotels, and St. Regis. In this episode of the podcast, we dive deep into how female real estate investors can elevate their STR, MTR, and LTR portfolios through hospitality, design, and guest experience—without overspending. In this episode, we cover: How Katie went from UK long-term landlord to profitable US short‑term rental investor Why hospitality is a non‑negotiable skill for real estate investors (even for long- and mid‑term rentals) The “art of the arrival” and how the first 10 minutes shape reviews, referrals, and repeat bookings Practical luxury: the small details that feel high‑end (think: linens, hair dryers, cookware, amenities) Smart policies for bachelorette groups and high‑energy stays that still protect your asset Personalization strategies that help you stand out on Airbnb and Vrbo Branding your property: naming, storytelling, and designing for your actual ideal guest If you're a female real estate investor building wealth with short‑term rentals, vacation homes, or mid‑term rentals, this conversation will show you how to think like a luxury hotelier while staying profitable.     Resources: Book your spot at WIIRE Summer Camp before it fills up Check out what Katie is up to next on Instagram  Listen to Katie's podcast Get the rest of the deets on Katie's ventures Simplify how you manage your rentals with TurboTenant Make sure your name is on the list to secure your spot in The WIIRE Community  Leave us a review on Apple Podcasts Leave us a review on Spotify Connect with us on Instagram

From the Ritz-Carlton in Dallas, George Wright III interviews Tucker Bern, who helps manage a complex family office spanning multiple industries and chose to focus on simplifying AI for real business use. Bern created Caddy, a locally installed “command center” built on Claude that uses a personalized intake to learn a user's needs and then supports tasks like email triage, calendar/meeting prep with web research, diligence, reporting, workflow automation, and even software building, with about 100 built-in skills including an “auditor” to review and dry-run code. He shares examples of replacing tedious job-review work and helping a non-coder build a lead-scraping app in 2.5 days, emphasizing output gains beyond 20% without aiming to cut staff. 00:00 Get 20 Percent More00:38 Show Intro And Guest01:56 Why Focus On AI04:02 Meet Caddy Platform05:10 Setup And Intake06:36 Real Workflow Wins07:15 Skills And Auditor08:20 Who Benefits Examples11:49 Productivity Not Layoffs13:49 Security And Ownership15:26 How To Use Daily17:48 Why You Must Adopt20:49 Vision And Passion22:15 Where To Learn MoreThanks for listening, and Please Share this Episode with someone. It would really help us to grow our show and share these valuable tips and strategies with others. Have a great day.George Wright III“It's Never Too Late to Start Living the Life You Were Meant to Live”FREE Daily Mastermind Resources:CONNECT with George & Access Tons of ResourcesGet access to Proven Strategies and Time-Test Principles for Success. Plus, download and access tons of FREE resources and online events by joining our Exclusive Community of Entrepreneurs, Business Owners, and High Achievers like YOU.Join FREE at DailyMastermind.comFollow me on social media Facebook | Instagram | Linkedin | TikTok | YoutubeGrow Your Authority and Personal Brand with a FREE Interview in a Top Global Magazine HERE.Tucker Bern is a dynamic entrepreneur and investment leader who currently serves as the CEO of a specialized AI Automation company and President of Bern Investment. At 29, Tucker manages a family office with nine figures in capital following the landmark 9 figure sale of his family's 1,200-employee enterprise in 2025. His AI firm provides cutting-edge voice, text, and automation solutions for diverse sectors, including medical, accounting, and the trades (HVAC, roofing, pest control, etc). A versatile strategist, Tucker also leads business development for the family's functional wellness brand, which they successfully scaled from zero to over seven figures in just 18 months across Iowa and Texas. Combining high-level capital stewardship with a "boots-on-the-ground" approach to tech innovation, he focuses on leveraging automation and strategic investment to drive rapid growth and operational excellence.Links: meetcaddy.com, hi@meetcaddy.com.https://createassistants.ai/https://www.instagram.com/thetuckerbern/

On this episode of Closed!, recorded live at The Real Deal Forum, Lee sits down with Erin Hosler, Director of Residential Hospitality at First Service Residential New York, to discuss what it looks like when world-class hospitality meets residential property management.Erin brings over three decades of experience training service teams at some of the most recognized names in luxury hospitality, including The Ritz-Carlton, Soho House, the Langham, and more. Now, she's channeling that expertise into a first-of-its-kind training program at First Service, helping building teams across New York and beyond create meaningful, memorable experiences for residents.From the Ritz-Carlton's three-step service philosophy to crafting "wow moments" for residents, Erin breaks down why the little things, not the amenities, are what truly define a building's culture and keep residents happy. She also shares how she tailors training to individual building brands, navigates established teams, and even customized a full program around a pop star moving into one of her buildings.If you work in residential real estate, property management, or just love a great conversation about service and culture, this one is for you.To learn more about Erin and First Service Residential, find her on LinkedIn @https://www.linkedin.com/in/erinhosler/, and as always, to learn more about Lee, Mike, and BFKP, visit bfkplaw.com.To find out more about Bergstein Flynn Knowlton & Pollina PLLC, visit our website at bfkplaw.com. Hosted on Acast. See acast.com/privacy for more information.

Today's topic is something the Dental A-Team hears about a lot: Our practice is awesome, but we struggle to find new patients. Kiera talks about why this is such a common issue, and gives tips on what you can do to address it. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent- Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and I am so freaking pumped about today's podcast and I hope you are too. Today's gonna be a fun day. It's about something that I absolutely love and hate. For those of you that have been listening to the podcast for a while, welcome. I'm Kiera Dent. I'm so happy you're here. My job and our company's motto is to possibly impact the world of dentistry in the greatest way possible. And we do that through this podcast. We put it on for free for you. Tactical practical advice for you every single week for doctors and teams because honestly trying to get   both on the same page is really tricky. being a team member myself, being a business owner myself, working with hundreds of offices across the nation, our team works with hundreds of offices, our consulting team is like truly second to none. I do believe that we have the most experienced expert team that you could ever ask for. And they truly guide doctors and teams to fulfillment, to success, and they do it with ease. And of course we pop the confetti and have a ton of fun. So today I wanted to just dive in.   And talk about like, why are great practices still struggling to attract patients? I think that this comes up on many coaching calls in lots of different areas. And it's something of like, but the practice is amazing. Why are they not getting the patients? And I think something that I pulled from some business courses I've taken is it does not matter how great your business is. It matters how well your business is marketed. And so I think for us to just look at this and say, all right, how do we market better? And what are the things? So I have found that it is   not because like you are clinically sound or you're not clinically sound. It's really about like being easy to choose and how are we able to be easy to choose as a practice versus being hard. And there's some simple things today that I wanted to go through because like you can have great dentistry, a solid team, great intentions, but if growth is feeling harder than it should, or we're not attracting these patients, let's talk about some ways to do this. And yes, there are PPO, there's fee for service, there are different things that happen for both of those. But literally what I found is   we've got to like look through what a patient's experiencing before they even come into your practice. So I feel like the growth and systems conversation is like not just about marketing conversations. A lot of times we're like, here, I want the magic bullet. I want you to like give me these items and we can just get all these new patients. And I want to too. And I'm here to say that marketing has a place. ⁓ But I also want you to realize like what are your patients choosing you for? And so looking through your reviews, you can actually throw it into AI and say like,   What are the top like five things that come from these reviews that we're receiving as to why patients are choosing us? And there was a great quote from Top Tips for Effective Clinical Communication in the British Dental Journal, yes, PMC 2023. And they said, effective communication is central to every element of clinical practice from first contact with reception to the point the patient leaves the building. And when I read that quote, I loved that quote because I feel like so often we don't think about   all these mini touch points. And I know we've talked about it before, but it's like, let's work through, like maybe we don't need more new patients. Maybe we just need a better path from attention to appointment. Yes, I love that. From attention, like grabbing their attention to them setting the appointments. And so where can we look for like common misdiagnosis within the practice? What does this look like? And so usually people are like, we need more marketing, we need more patients. And that's not wrong. I was on a coaching call with a practice and we were talking about like,   A great ratio for everybody to have is we need the patient base to be 200 patients per hygienist per day in one week. So for example, if I've got 10 columns of available hygiene in a week, I need 200 patients. Yes, I did easy math for you. What is that answer? 200 patients times 10, bingo, 2000 patients would be an active patient base. Usually seen within the last 12 to 18 months is how many we need to see. So we were looking and this practice was running 14 columns of hygiene in a week. Well, that's 2,800 patients.   They only have 1900 active patients. So what would most practices say? We need more new patients. Let's run into marketing. But like, are there other things that we can do instead of just needing marketing? Like could we maybe, are there patients already sitting within our practice that we need to have? Maybe we do need to have more new patients. Yes, the ideal is 30 new patients per month per doctor. But is that always the case? Are they maybe hiding in the crevices of your practice that we could pull forward?   So me and this office manager had a call, talked about it. looked, we went back to their recall. She was like, here, I got six patients on there. And I was like, well, that's inconvenient. So what things could we do? And so what can we really look for of what about our, are we looking at our re care and our reactivation? Are we reappointing all of these patients? Like before we even go and jump into marketing, which I'm not here to say don't market, but what about all the patients sitting in our database right now? One, can we reactivate them? The answer is yes.   Two, with all the patients coming through, are we asking every single patient, who else can we schedule for you? We absolutely love you. How else can we like, who else can we schedule? Who else do you know that we could schedule for you? So when I look at this, like where is the true diagnosis and do we actually need more? Or is it that like, no, we just need to be better with this. The practice is also asking me like, Kiera, is it the economy? Like we're not getting all these new patients we used to. And I want to say that like generally speaking dentistry is pretty economy bulletproof. Like most patients come in,   Things have it. Now, fee for service, you're gonna struggle more because patients might only like to do one cleaning versus two cleanings, but your insurance driven practices, great news for you. You've already got your patients there. And I'm not here to say that insurance is bad. I actually think insurance is one of the best marketing pieces to drive patients to your practice. And then it's a thousand dollar coupon, like a thousand dollars to get a patient. I know you're like, but Carrie, we take all the cuts and the fees. I don't disagree with you, but how much does it cost to bring on a new patient? Look at that cost.   to benefit and if I can like go beyond their max and my team is really good with that, $1,000 for an insurance max. I understand that not always that's the case, but is that worth it? I say typically yes. So when we look at this, why like, do we really need more marketing? Do we really need more patients? I want you to look for like, let's make sure our systems are tight and taut before we go after and hit the marketing because that just means we got to make sure our bucket, like the walls aren't empty.   We don't have a hole in our bucket, but we actually are filling that bucket with these patients. So that step one is I want you to look there. Me and this office manager, did we find? We found over 800 patients in their database right now. That's how many patients they need. We don't need to go after new patients. We just need to use the patients we already have in our practice because then our practice is full. Now, if we want to grow, then maybe yes, but even that look to see who is in our database version. People don't want this. It's not sexy. It's not fun. It's like, no, but I just want marketing. I want them to be dropped into my lap. I hear you.   but let's make sure that we have that. Now, if we've elected that we do need to go for marketing and we've already tightened up and we have all these pieces, we've got our re-care, we've got our reactivation, we're calling patients, we're making sure that they're reappointed, we're looking and we're running this report consistently, we're asking every single time we schedule patients, who else can I schedule for you? We are actively asking for referrals and reviews. If that's already done, and that's a big if, then we go and look into marketing. So what I want you to look at for you is like,   Do we need to have different messaging on there? How is our, like when we do market, I want you to look at like, what's my website, what's Google, what's our phone experience and is that matching the first impression of us? What about our clarity? Like, are we really crystal clear on who we're trying to market to? Do we have that dialed in? Our dentistry should speak for itself and so tightening up our first impression, tightening up like what our practice is saying to patients and making sure that patients really truly feel like   this office is so different than any other practice, that's going to make sure like that impression online needs to match our patient experience and vice versa. Our patient experience needs to match our online presence. Sometimes offices are so good, but their online presence looks like they are like dated 50 years ago. So making sure that your practice matches, because if a patient's confused, they might not be converting for you. And so let's just look to make sure does our online presence   and our phone calls match our clinical excellence in the practice and does our clinical excellence in the practice match our phone calls and our outside experience? And I hope you guys can see like those two have to be the same. When you pop on Dental A Team, like you listen to me on the podcast, when you join our team, it's freaking fun. We have fun in person masterminds. We have fun in person visits. Teams love when we come. It's got to match what you hear on the podcast. And if it doesn't, people are like, Kiera, I love your energy. And I'm like, I know I have to hire consultants to have my same level of energy. They're not exactly clones of me.   But otherwise it feels like a mismatch and you're like, wow, that person's like really low and cure is really high. You join Dental A Team because you love our energy. You love our style. You love what we present and preach on the podcast. That's why you join. Now, if you didn't experience that, that that's going to be a mismatch. Same thing with you and your practice. Is that a mismatch? Can you tighten that up? So then when it's that we go back to the leaking, we already talked about leaking. So when I look at this, we want to make sure that like we are matching online. And then I talked about our acquisition, our retention, our reactivation, our   reappointment rates. But then in addition to that, there might be more that we could diagnose on there of our experience is amazing. Everything's matching. We might need to go into marketing, but like, let's talk about some other areas where you might have new patients just coming through, through this, which can tie to your marketing. So we've decided our online matches, we're going to go for marketing. We need to get more new patients and or it's already our new patients there. Let's look at how many missed calls we have. People think all the time, like we're just so busy. We're so busy.   missing those calls can actually be impacting your practice with those new patients. Then how do we follow up with them? So if we miss calls, like some people are like, it's fine. We just have a text. Well, that person's hunting right now for a practice. What's that patient experience? And remember, it's these great practices who are failing to attract new patients. Is it because we're missing calls? Is it because we're not doing well with that new patient? Do we not make them fall in love with us when we do get them on the phone? That patient should hang up and be like,   Gosh, Jason or whomever their spouse significant other best friend. I am so freaking pumped to go to that dental practice. If they are not saying that when they hang up with your office, there is something that could be lost there. What about what happens with all these patients that are not like coming through? Do we have a process in place to make sure they get back on the books? What about are we having like a set process in our practice where we're consistently asking for reviews and referrals all the time?   And then also like, do we have this poor handoff from like when a patient calls us and says, this is what I need. And then they take them to the back office and it's not even remotely what they have. Do we have that in there? And so when we look at this, I think it's part of we've got to be tracking and auditing. How many missed calls do we have? How long does it take us to get a missed call to schedule? What about for new patient scheduling? When do we get our new patients in? What about who's overall the followup of this?   And then also, how are we asking for reviews in our practice? If those things, in addition to re-care, reappointment, reactivation, I just listed off eight things. I've got them on my fingers if you're watching the video. Eight things, if we are not doing that, don't talk to me about trying to get new patients and like, ⁓ we can't attract them. You were attracting them, we're just not handling them correctly. We're not taking care of them because this practice is not converting what you're already paying for. And I think if we can't be good stewards over what we're already paying for,   Why are we asking for more? To me, I'm like, tighten the bows. Like that's way easier, but that's discipline and discipline does equal freedom. So for practices, it might be worthwhile before we even jump on the horn and say, we need more new patients. I'm just going to list it off for you. Missed call numbers. We're going to go through our like from missed to scheduling. What about who's over all the followups of all these? What about our review process? What about our re-care? What about our reactivation? What about our reappointment?   If those aren't tight, you have the patience in your practice, you're just not using them and handling them with care. And so make sure that you're not like, I hate wasting money and I think that this is one of the greatest opportunities to waste money. So when we think about it, like here's top funnel, right? We talked about, we gotta make sure our leak is not leaking, okay? Bucket has all the holes filled. Then we gotta make sure what are we saying online versus what they're experiencing and what they're experiencing is that showcased online. Tighten all that up.   And then when we look at this, I'm like, okay, we are solid on this. But what really, really is going to speak and help and what's going to create massive growth for your practice is when the patient journey feels clear, consistent, easy from the first click to the first visit. So when we think about this, we talked about this a little while ago, like what does this new customer want? What does this new patient want? We want to pay attention to like how quickly are we responding to people? What happens when they show up to our practice? Are we so like   excited. Is it genuinely? ⁓ Someone told me a quote for the Ritz-Carlton and it said, ladies and gentlemen, serving ladies and gentlemen. And I have not stopped thinking about their mission statement because I think about it if like, do you have high level professionals serving high level professionals? Or do we have high level professionals serving friends and family of the community? Or do we have like everyday community team members serving and loving everyday team, like community families?   Whatever it is, making sure that this patient feels like the journey is so consistent with what we're putting online, what we're saying we are. So how do we have this? And so really making sure that there is this whole process, like patients love you from the first day that they call you. Patients are excited to work with you. Patients are just giddy. Patients, when they leave the practice, are giddy to refer you, to leave a review for you, to leave a referral. And I think people forget...   that this could actually be a very easy process. So ways that teams can do this is like, let's actually run through a new patient calling, call the practice and like, let's hear how they answer. And don't be afraid to give honest feedback. This is what we're here for. We are here to give honest feedback. And so what was that experience like? Did I feel like you were so excited that you're my best friend that you can't wait to welcome me into the practice? Or if you're more of a holistic practice that it's a Zen, it's a calming, it's a we've got you and we're gonna take great care of you. How do people feel when they call your practice? That's number one.   Number two, let's go online. What do our reviews say? What does our website look like? And does that match when you come into the practice? And if it doesn't, what small little changes, notice they're small, not giant ones. What small changes need to happen? Do we need to update our Google presence? Do we need to update our website? What do we need to do from there? Okay, so we go through that. Then we walk through the practice as a new patient. So come in the door, act like a new patient or act like a regular patient. Let's do role play both of them. How is a new patient greeted? Are they just given an iPad and told to sit there?   Is it like, me have a concierge style with them. What about new patients? Are we saying, hey, it's so great to see you, Kiera. How's your family? Gosh, like let me make sure I get your next cleaning scheduled for you. I know that you absolutely love to like zip out the door you're busy. And who else can I schedule for you? Let me make your life simple while we're waiting. I'll grab you a cup of coffee while you wait. Are we doing that? Did you just hear how many little opportunities I asked? The new patients coming in, the patient there, like how to get more patients just by loving them and being a friend to them. Then what is it like when we take them to the back office?   How is our new patient experience? them in the hygiene chair. How do we explain our pieces? And then what's our wrap up at the end? How do doctors wrap up the exams? How do we take that patient to the front office? How do we hand them off to the front office team to make sure that they're having this amazing experience? Front office team, how are you wrapping up? Are we asking for reviews at that point in time? Do we maybe have a little postcard that we can give them of like, we're trying to help more patients like you. Best way to do it is to leave us a five star review. I love working with you, Kiera. You absolutely make my day. Every time you come into the practice,   I would love it if you'd leave me five star review. Just so you know, my hygienist at the office that I absolutely loved asked me that. I went right home, I had the little postcard, set it on my counter, did the review that night, because it was so simple. That review, also it sat there. My husband doesn't go to that practice. And I was like, I love my hygienist, Jayce. You should probably schedule, like we should get you scheduled for that. Little subtle things. And I'm already patient. I'm the cheapest, easiest marketing to go after. And my patient experience was amazing when I went in there.   Now, when I got annoyed with them, it was because I wouldn't get the same hygienist. I didn't have the same doctor. People didn't know my name. They were late. I left. I ended up leaving the practice. So those little things that we don't think matter are what are deterring. So not only do you role play through what's going great in your practice, but maybe that's also question mark, why would people leave our practice? Asking that question can also be a great audit of why, and are we following up on missed phone calls?   Are we calling people back? Are we scheduling them for unscheduled treatment plans? Are we running this report every single month? Like, do you see how there's an entire ecosystem around these patients? And so when I asked the question at the beginning of why great practices still struggle to attract patients, I think the better question on that is, are we actually doing the little pieces that drive us forward consistently? Are we hoping and praying for miracles of new patients to just rain from the sky?   It's like, I can have rain come every single day from the sky, but if I'm not collecting it in buckets, purifying that, making sure I have a system for that, as much rain that comes down is never going to be enough for you. And so when I look at this, I think it's a space of how can we make sure that our marketing dollars are being well taken care of? Every patient in our practice feels like they are a VIP and that they want to send more patients to us. Those simple, small things are actually how great practices can freaking thrive.   These are how my best of the best do it. When I look at my highest ones, the ones who have repeat customers constantly, they're tight. Their reappointments are there. Their missed calls, they track that, they monitor that. That's a KPI for them. They check to see how long before we get back to missed calls. They are reducing that missed call number. Their reappointment percentages are high from hygienists. They're running the reports. They do not have many patients sitting in their re-care and reactivation campaigns. They are running those on a regular basis, getting patients back into the practice. They also are making sure that they're auditing how's our patient experience.   What's our online presence saying versus what's our inside presence saying? How is our experience? Why would they be leaving us? Let's tighten this up. Let's tighten this up. Let's make sure every encounter is great. We are constantly asking for reviews and referrals. And if that feels daunting to you, then great news. You just heard an amazing opportunity to grow your practice with minimal effort. This is how you're able to do it. You don't need to be fancy, flashy, showy, none of that. All you need to do is have consistency and intentionality. And so I think it's one of those things of growth comes   from being clear, being consistent, and actually having a great experience every time they come, because patients stay for that. So when it's not easy, when you feel like this, a lot of times it's just like doctors are like, I'm busy in the back, Kiera. I'm doing dentistry. I'm drilling and filling. Like, how am supposed to have time for this? And office managers are like, you don't even talk to me. I'm trying to get all the billing out there. I don't disagree. And I feel like these are the cobwebs within the practice that make a practice great or have a practice crumble.   And I think so often people think they need more new patients or they need all these different things when actually all they need is to tighten up and refine and optimize what they already have and have somebody help them with that. So I would love to help you guys. I'd love to find out like where is this breakdown? Where can we tackle it and help hold you guys accountable to it so you actually see the fruits of your labors. So you're actually able to do that. So reach out Hello@TheDentalATeam.com if you want some help with this. And today I really want you each to go through an audit. Auditor missed calls.   audit our website, audit where we are like, how long does it take us to call missed calls back? How are we reappointing? How many patients are in our unscheduled lists? How are we following up on them? Do we have a process for that? What's our experience? Are we asking for reviews? And I want you to pick one thing from today's podcast, not all of it, because that can feel daunting, but one thing where we can tighten, sharpen, and refine and optimize to where we don't have these gaps in our practice. Yes, marketing has its place.   But like I said, all the rain can come to you, but if you're not collecting it, refining it and optimizing it, doesn't matter how much rain falls, you're always gonna want more. Just like you're always going to want more new patients. These are little, simple, easy ways to grow your practice. If you're struggling with it, reach out, Hello@TheDentalATeam.com. Sometimes you don't need a different strategy, you just need to be held accountable. Sometimes it's not going crazy. Like literally this could be a whole marketing podcast, but instead I'm telling you little simple things you can do in your practice today to grow.   You don't need to do it. So I want to remind you that patients don't choose practices that are best in theory. They choose practice that feels easiest to trust. And sometimes I get annoyed because I do watch practices and there are some practices that I don't think should be the highest top practice. And yet they are because they are the easiest to trust. are the easiest. They are the best marketed. They are the ones that just make the process simple. You can think about a competitor you might have.   And question mark, why would patients go there versus you when you might be a better clinician, a better overall experience? I'm not here to say that dentists are not great. I know we're all striving. I also know that some dentists are better than others. And so how can we make sure that the best dentists, those of you listening are winning? I want to make sure that you're winning. So reach out Hello@TheDentalATeam.com. And as always, this is your practice. This is your opportunity. This is your moral obligation to serve patients at the highest level possible. And I just implore you and invite you.   to take one step today, make your practice just a little bit better, a little bit brighter. And if we can help in any way, we're here for you. You have it, it's all yours. And I just remind you that we are so lucky to live in the time we do, to do what we get to do every single day. And if I can help you in any way, reach out. And as always, thanks for listening. I'll catch you next time on the Dental A Team Podcast.

Last summer, I watched a business owner sit on a beach in Hawaii with her face buried in her phone at 8pm because her team needed her to approve a $200 refund. That's not a vacation. That's working in a different time zone with a worse Wi-Fi connection. If you're already pre-stressing about how the next 12 weeks are going to go, this episode is for you. We're skipping the usual advice — no out-of-office templates, no SOP documentation, no "fortify your business" generalities. Instead, I'm walking through the 5 unusual moves I help my fractional COO clients make every year so they can actually unplug — and most founders have never heard any of them. In this episode, you'll learn:Why running a "Ghost Week" in stealth (without telling your team) is the only honest test of whether your business can run without you — and the surprise story of a "stealth leader" one client discovered hiding in plain sightHow to bank pre-decisions instead of writing more SOPs — and why the Ritz-Carlton $200 rule is the model your business is missing.The one reverse delegation question to ask each of your direct reports before you leave — and what their answers will reveal about the bottlenecks you didn't know existed.Why you should book the non-refundable trip BEFORE your business is ready (and how this "burn the boats" approach forces the hires, fires, and decisions you've been procrastinating for years)The return strategy almost no one talks about: why coming back on a Thursday instead of a Monday — and blocking your first three days — is the difference between a vacation that sticks and one that disappears the moment you walk back in The thread running through all five: every one of these shifts the question from "how do I prevent problems while I'm gone?" to "what does my business reveal about itself when I'm not there?" That second question is the one that builds a business you can step away from — not just this summer, but for the rest of the time you own it. ABOUT THE HOSTMelissa Franks is the founder of On Call COO, a fractional COO services firm that helps founders get out of the weeds, operate more efficiently, and build businesses that can run without them. She is not a coach. She is not a consultant. She is an operator who loves running businesses, and she helps founders do the same.Learn more: https://www.melissafranks.com/fractionalcooservicesConnect with Melissa:Watch the Episodes on YoutubeInstagram: instagram.com/melissa_franks Schedule a call: melissafranks.com 

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Ward Ching and Aaron Olson of Aon about their recent session at RISKWORLD 2026 and the book they co-authored, Strategy and Change: Finding Opportunity in Disruption Through Insight, Choice, and Risk. They discuss the dizzying, disruptive transformation in today's market, where conventional risk management frameworks, tools, and solutions have become increasingly ineffective. They explore technological innovation in terms of the new powers of next-generation microprocessors and the accompanying robustness of machine learning-based analytics. Aaron explains how he built an AI analysis agent over a weekend. Aaron and Ward discuss their book and how to use it to help you and your organization navigate disruption. Listen for insight on how to use disruption without being disrupted in the risk ecosystem.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our topic is strategy and change in a world full of innovation and disruption, and we will be joined by our guests, Aaron Olson and our friend Ward Ching of Aon, but first… [:45] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep will be held on June 9th and 10th. The next RIMS-CRMP-FED Exam Prep with AFERM will be held on June 16th and 17th. Links to registration are in this episode's notes. [1:01] Webinars. On May 28th, Zurich returns with "From Underwriting To Risk Management: What To Expect From The Growing Demand For Data Center Construction." Register for webinars at RIMS.org/Webinars or through the links in this episode's show notes. [1:17] Folks, RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [1:36] On with the Show! Our guests today are, respectively, the Executive Vice President at Aon Corporation and a Managing Director at Aon Corporation. They are Aaron Olson, making his debut on RIMSCast, and our good friend Ward Ching, also a former RIMS-CRMP Commissioner. [1:52] They presented a session at RISKWORLD 2026, titled "Strategy and Change: Understanding Disruptive Innovation Through Insight, Choice and Risk." They recently published a book, Strategy and Change: Finding Opportunity in Disruption Through Insight, Choice, and Risk. [2:11] We will talk about the risk management practices, philosophies, and frameworks that went into the book and the session, what it took for Mr. Olson to build an AI agent, and how you can assess whether this is the sort of business decision for your organization. Let's get to it! [2:32] Interview! Aaron Olson and Ward Ching, Welcome to RIMScast! [3:12] Aaron says Ward and he work together at Aon, and they work with risk managers around the world. They also do some academic work. Ward, at USC, Marshall School of Business, and Aaron, at Northwestern, just outside Chicago. [3:25] Aaron says that for 20 years, he's been working as a member of the faculty there, part-time, teaching on the topic of the intersection of strategy and leadership. [3:38] About 10 years ago, Aaron did some research and published a book focused on the intersection of strategy and leadership. He looked at different companies and examples to learn how individuals lead strategy. [3:55] Ten years later, Aaron and Ward talked about it regarding the clients they work with and the challenges risk managers working in those organizations face. In the last 10 years, the world has gotten a lot more complicated and volatile, and is facing more and more risk. [4:16] Aaron and Ward decided to do some new work. This time, it's not strategy and leadership; it's strategy and disruptive change. [4:27] They looked at what lessons they could learn from COVID, from the supply chain, and from the unpredictable rising cost of doing business. What can we do about that? [4:42] How can companies be successful? How can risk managers be successful? What is the changing, evolving role of risk in the midst of that?  [4:53] Ward says one of the interesting things is that disruption has always been part of the economic environment. It is now a hyper-important part of economic decision-making in every industry vertical. [5:12] Ward's research in the disruptive innovation space started with a paper for RIMS that he did with Paul Walker several years ago on the issue of enterprise risk management tools and capabilities. Paul and Ward did the research, looking at all the tools. [5:38] Then February 2020 rolled around, and the world went completely dark. Everybody predicted that there was exposure to a pandemic, but nobody had any thought of how it would go from ranking number 25 or 50 on risk registers to number one, overnight. [6:14] Paul and Ward asked each other what was underneath this. Why did all of our tools fail? They found an interesting literature base around disruptive innovation. Ward says a lot, if not all, of our core disruptive events throughout history started with a technological innovation. [6:38] Aaron and Ward went further, looking at all the disruption in the marketplace now: new silicon chips, our speed toward AI, agentic AI, the things we can do now with data that we couldn't do or see five years ago. That's creating a very interesting, disruptive environment. [7:10] Disruption needs to be considered as part of the decision calculus for most organizations. Similarly, disruption is a new risk issue that has not been well understood, measured, or evaluated in the past. That's what Ward and Aaron were trying to look at. [7:30] In the book and at RISKWORLD, Ward and Aaron looked at it from several perspectives: How is disruption creating advantage? How is disruption creating new opportunities? How is it changing the way we think about risk, risk management, and risk mitigation? [7:58] Aaron says one of the things we uncovered as we got into this was that going back 10 years ago, on any given day, your average executive was maybe dealing with one crisis or issue coming at them. [8:14] Aaron says that today, an executive coming into the office or dialing in on Zoom is probably dealing with two or three simultaneous challenges, and that has a compounding effect. Technology is an accelerant and also an amplifier. [8:37] The combination of speed and severity means that organizations deal with an external environment that has multiple concurrent risks. Then you have internal execution risks, and they, too, are more complicated. [8:52] Take AI, as an externality, but also inside. All kinds of new risks are surfacing as AI is changing workflows, processes, and the nature of people's jobs and work. That is a level of complexity we have not had to deal with in most of our professional lifetimes. [9:12] Ward says most of the tools that we use to mitigate those risks are now obsolete. When you look at a heat map, it is point-specific. You look at various risks along a series of axes. These point-specific numbers or locations don't answer the question, "So what do you do?" [9:59] You understand where the risk might be, on a frequency, severity, or likelihood scale, but if you were the CFO, you would be asking, "What investment do I have to make to move something that's at an extraordinarily high, or even uninsurable space, into someplace more acceptable?" [10:18] Those comparative static tools don't give you enough information to make significant decisions, especially now that a problem may have adjacencies that impact a decision, so that needs to be broader in terms of its context and execution. A lot of those tools don't work now. [10:41] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The 2026 Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [11:02] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. Advance rates are available through June 5th. [11:16] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026, in Chicago. Visit ChicagolandRiskForum.org for more information. [11:29] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [11:46] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are already open. Early-bird registration will open in June. [12:01] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [12:15] The RIMS ERM Conference 2026 will be held on November 18th and 19th in Columbus, Ohio. Details will follow on RIMS.org. [12:24] Let's Return to our Interview with Ward Ching and Aaron Olson! [12:33] Aaron built the strategy agent at Aon. Aaron shares how it was done. He was a one-man team on this project. Aaron tells about vibe coding. He took a routine that he and Ward have been doing for years, and he realized that an agent could do some of that work.  [13:36] Aaron and Ward have been working together for a couple of years. On the academic side, they wrote a book and codified some of the work they do with their clients. Aaron says they took a framework and turned it into a simple worksheet. [13:53] Aaron now uses that worksheet to prepare for clients. It's an analysis tool for what is going on in that client's industry, what key issues they need to deal with, and what insights, decisions, and risks Aaron will discuss with them. [14:09] As Aaron started to look at agents, he realized that he didn't have to do all that work himself. [14:16] Aaron uses ChatGPT. There's an ability within ChatGPT to create a Custom GPT. It asks you to follow a set of instructions. It isn't coding, just guidance. [14:36] Aaron wrote out his guidance, uploaded his worksheet, and constructed prompts. A prompt is a good question to ask. Aaron preloaded some good prompts to get an agent. [14:52] Aaron, Ward, and others use this agent, which they call the Strategy and Change Diagnostic. They input the client's name and problem, the type of conversation they want to have with the client, the situations they are focusing on, and the present disruptive changes. [15:16] Aaron asks the agent, "What are the things we should be focusing on?" It comes back with a lot of the work Aaron would have had to think through himself. It's pulling on the logic he taught it and pulling real-time, relevant financial information from the internet. [15:43] Aaron says it would have taken a team of people working for months to get the same result. We're living in a different world. [15:52] Ward says that Aaron can change the persona of the agent. The agent is looking at it from one point of view. It can look at it from a different point of view or a competing point of view. All of those will generate additional insights into what the client's issues might be. [15:14] Aaron built the Strategy and Change Diagnostic over a weekend and refined it by trying it out with some real situations. Aaron thinks this type of agent is in the future for all of us. [16:27] Ward says, Strategy and Change: Finding Opportunity in Disruption Through Insight, Choice, and Risk, and the recent RISKWORLD 2026 session, cover disruption and disruptive innovation in a clinical way, and case studies, new tools, and responsibilities that are coming out.  [16:54] Ward talks about the necessary skills. Many people in risk management are asking what skills and capabilities they need to be successful going forward. That's a big issue. What is the impact of AI? What is the impact on data analysis and on the types of things they need to do? [17:19] Risk professionals wonder if they should be coders, actuaries, or engineers. Ward says, the answer is yes. They need to be all of those, going forward. That's a big issue in question. [17:28] Justin says an editorial strategy shift at RIMS is that it's no longer just about identifying risk. It's how to leverage it to do your job better. It's what you need to know now to enable you to succeed later. It's not just about the "what." It's about the "why" and the "how." [17:52] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period is now open, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [18:14] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [18:27] General Grant applications are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [18:39] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [18:48] The Spencer 2026 Funding Their Future Gala will be held on Thursday, September 17th, from 6:30 to 10:00 p.m. at a different venue this year. It will be at the fabulous Waldorf Astoria in New York City. [19:03] Sponsorship opportunities and benefits are available now. A link to the Funding Their Future Gala is in this episode's show notes. [19:12] Be on the lookout for some of the honorees and Spencer Board members to join RIMScast in June and July. [19:21] Let's Conclude Our Interview with Ward Ching and Aaron Olson!! [19:32] Aaron says this is the second book he has written and the first book he has written with Ward. They enjoyed the opportunity to bring together some things they had been doing in their respective professional backgrounds. [19:46] The book is an investigation into what is driving us to live in a world that's more complicated and faster-moving, where risk is different, and we need to work differently because of it. [20:01] They go into practical things with three different lenses on the issues we all face in a world of disruptive change. The lenses are insight, choice, and risk. They get to the practical aspects of what that means for us. [20:15] They address success in a world that's more complicated, is moving faster, and has a lot more volatility that's not going away. They use case examples. They look at real organizations. What happened to GE over the last decade? How did they navigate changes in their industry? [20:35] How did S&P Global evolve from a very different business a decade ago? They were McGraw-Hill, the publisher. These are real companies that have faced real challenges, and they've taken proactive approaches that have evolved the way they do business. [20:52] The book brings it down to individuals and how you lead through that kind of change. There are practical things and a few tools to use. [21:05] Ward adds that it points to some additional literature to think about. [21:09] Clayton Christensen at Harvard did a lot of interesting work associated with the innovator's dilemma, in which he was asking the question, "How do organizations that have been innovative throughout their lifespans, when they continue to be innovative, fail?" [21:28] Ward says it has to do with disruptive elements in the marketplace. It raises the question of how you, in risk management, can help the organization think slightly disruptively to help it push through the biases and barriers that might cause it to have difficulties going forward. [21:40] The issue of understanding disruptive innovation is part of the new toolkit that the next generation of risk professionals is going to have to have, sharpened up, with a strong acumen around, to help their organization succeed going forward. [22:09] Those are some of the more subtle elements of the book. It also talks about a risk ecosystem as opposed to separate distinct property and casualty, wealth, well-being, and more. [22:27] They're not in separate locations; they're in an ecosystem. The data is showing us how they interact with each other. New skills, new capabilities, and new perspectives are highlighted in the book. [22:44] Special thanks again to Aaron Olson and Ward Ching of Aon for joining us here on RIMScast! Remember to check out their book Strategy and Change: Finding Opportunity in Disruption Through Insight, Choice, and Risk. It is available worldwide right now. [22:57] If you are looking for the slides from their RISKWORLD 2026 presentation, open up the RIMS Events app and go to the Attendees Service Center. Also visit RIMS.org/ASC. Navigate over to their names, and you should find it. [23:13] Be sure to check out the links in this episode's show notes for the past appearances of our friend Ward Ching. [23:20] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [23:48] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [24:07] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [24:24] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [24:41] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [24:54] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [25:06] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | Registration Opens in June RIMScast on YouTube! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒Sept. 2026 Cohort | Led by James Lam 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy RISKWORLD 2026 Presentations Available via Attendee Service Center — www.RIMS.org/Asc — and via the RIMS Events App Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep | June 9‒10 RIMS-CRMP-FED Exam Prep with AFERM | June 16‒17, 2026 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: From Underwriting To Risk Management: What To Expect From The Growing Demand For Data Center Construction | May 28 | Presented by Zurich RIMS.org/Webinars   Related RIMScast Episodes: "Live from RISKWORLD 2026!" "RIMS Risk Manager of the Year Jeff Bray" "James Lam on ERM, Strategy, and the Modern CRO" "Rethinking the Impact of Disruption on ERM Tools and Processes with Ward Ching and Dr. Paul Walker" "Disruption and the Digital Age with Ward Ching"   Sponsored RIMScast Episodes: "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" (New!) | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Ward Ching, Managing Director, AON Adjunct Professor of Risk Management, Marshall School of Business, University of Southern California   Aaron Olson, EVP, Enterprise Client Group, Exec Sponsor, University Partnerships, AON Lecturer, Northwestern University   Production and engineering provided by Podfly.

Mike Colameco has been inside more New York kitchens than almost anyone alive. A CIA-trained chef who cooked at Windows on the World, the Four Seasons, and the Ritz-Carlton, he spent 20 seasons as the host and producer of Mike Colameco's Real Food on PBS—a documentary-style show that interviewed chefs in their actual restaurants, long before food TV became a genre. He talks about the golden era of New York dining, the economics of building independent food media, and what he sees when he looks at the city's restaurant landscape today. We are such big fans of Mike's work, and, dare we say it, he's a living legend. This is such a fun conversation. And before that it's the return of Three Things and a special Philadelphia edition. Aliza and Matt each visited recently and have some great food discoveries to share including visits to: Vetri Cucina, Middle Child, Pizzeria Beddia, Càphê Roasters, Manna Bakery, Supérette, Sao, and Binding Agents. Also: a stop at Papa's Tomato Pies on the way back to New York.     Check out Mike's incredible YouTube channel featuring unearthed episodes from the past thirty years. Subscribe to This Is TASTE: ⁠⁠Apple Podcasts⁠⁠, ⁠⁠Spotify⁠⁠, ⁠⁠YouTube⁠⁠    Learn more about your ad choices. Visit megaphone.fm/adchoices

Live experiences drive operating success because they create reasons to travel, reasons to spend, and reasons to come back. That's why Marriott Vacations Worldwide is building Inner Circle around them. I talked with Mike Flasky, President and COO of Marriott Vacations Worldwide, about what changes when the offer expands beyond the villa and into the full trip.

In today's episode, we have the pleasure to interview Neen James, author of Exceptional Experiences: Five Luxury Levers to Elevate Every Aspect of Your BusinessNeen is a leadership strategist, keynote speaker, and executive advisor who helps organizations elevate client loyalty, deepen human connection, and create unforgettable experiences. She's worked with brands like Four Seasons, Ritz-Carlton, Comcast, Viacom, and the FBI, and her work focuses on helping leaders understand what luxury truly means in today's world.To learn more about Neen and buy her book visit the links below: Book: https://a.co/d/0faltGDRWebsite: https://neenjames.com/https://www.linkedin.com/in/neenjames/https://www.youtube.com/user/AussieNeenhttps://www.instagram.com/neenjames/In this episode, you'll learn why luxury has nothing to do with price tags and everything to do with attention, personalization, and human connection. You'll also discover how small thoughtful details can completely transform your business relationships, why people crave feeling seen, heard, and valued, and how to create “champagne moments” that turn ordinary interactions into unforgettable experiences.We hope you enjoy this incredible conversation with Neen James.

In a world of artificial intelligence, what sets remarkable dental leaders apart isn't tech... it's their deep, authentic human connection! In this episode, Anne Duffy welcomes Marni Blythe, a powerhouse fractional COO and leadership expert, for an inspiring and practical dive into “leading from within.” Their conversation unfolds with personal stories of camaraderie and support in the Dental Entrepreneur Woman (DeW) community, resonating with anyone who's experienced the power of true servant leadership (especially when adversity strikes.) Drawing from her latest keynote for healthcare leaders at the Ritz-Carlton, Marni reveals how emotional intelligence, mindfulness, and genuine presence form the backbone of the Lead From Within framework. She shares actionable strategies for developing self-awareness, curbing the mental “leaks” that drain leadership potential, and creating a vibrant practice culture. With insights from real dental practice transformations, Marni explains why patients sense your presence before your clinical skill, and how “values in the hall” mean more than slogans on the wall. When you focus on the inside job of leadership, profitability and retention follow naturally. What You'll Learn in This Episode: How servant leadership built Marni's deep community ties The “Lead From Within” framework and why inner work is the key to lasting impact Practical mindfulness techniques for leaders and clinical teams How to shift from autopilot to empowering, intentional presence The science behind “leaking power” and regulating emotion for higher performance Best practices for crafting workplace cultures that people genuinely want to join and stay in The core differences between “self-care” and “soul care” in high-stress careers Why coaching and delegation are essential for growth and avoiding burnout How to lead teams through ongoing change without overwhelming them Take a 30-minute break to strengthen your leadership from the inside out! Press play and learn how the “human intelligence” edge will propel dentistry forward. Learn More About Marni Blythe Here! Website: https://fullpocketcoaching.com/ YouTube: https://www.youtube.com/@MarniBlytheSpeaks Instagram: https://www.instagram.com/marniblythespeaks/ Book: The Culture Catalyst — co-authored with Tiffany Wuebben Ready to be part of a movement of women shaping the future of dentistry? Join Dental Entrepreneur Woman for masterminds, education, exclusive events, and a supportive community designed to help you grow, lead, and leave your mark on the industry. Become a member at: https://dew.life/membership/ Mentions & Links: Events: The DeW Life Retreat Tools: Gallup CliftonStrengths (2.0) Organizations/Education: Lead360 Academy AdvoCare Nussentials BNI (Business Network International) OxyFresh People: Tiffany Wuebben Sarah Ruberg Heather McGuire Lana Rivera Dr. Riddhi Patel Dr. Brent DeLong Cassie Tallon Daniella Skeen Phil Mims

In this episode of THE MENTORS RADIO, Host Tom Loarie talks with Horst Schulze, the legendary founder of the Ritz-Carlton hotel group, and author of Excellence Wins, as he shares his humble and amazing story of how – and why – he set the gold standard for customer service that ultimately led to the creation of the most iconic hotel brand in the world… and it all began with a dream at age five! Horst began his illustrious career as a busboy. How did he end up founding the Ritz-Carlton? What did he learn about leadership, business structure, people management, genuine motivation, financing and surviving amid brutally tough times? All these lessons and learnings—and more—are packed into this episode. LISTEN TO the radio broadcast live on iHeart Radio, or to “THE MENTORS RADIO” podcast any time, anywhere, on any podcast platform – subscribe here and don't miss an episode! SHOW NOTES: HORST SCHULZE: BIO: AAE Speakers Bloomberg BOOK: Excellence Wins: A No-Nonsense Guide to Becoming the Best in a World of Compromise, by Horst Schulze ARTICLES: “Former Ritz Carlton President Horst Schulze Talks About The New Frontier In Luxury Hotels“ – Forbes “The Second Act Of Horst Schulze Is Finally Taking Off” – Forbes WEBSITE: https://horstschulze.com/ “Industry luminaries regard Horst Schulze as the leading hotelier in the world, but his influence extends far beyond the hospitality business.” —Dr. Tim Irwin, New York Times bestselling author and leadership authority

The conditions service members live in directly affect Military readiness and national security. It's the responsibility of Congress to authorize military funding to ensure the warfighter has what they need in combat and at home. Every decision impacts the strength of the force and their families.In this episode, Fran Racioppi sat down with Representative Mike Levin, who serves California's 49th District and sits on the House Appropriations Committee, Subcommittee on Military Construction and Veterans Affairs to discuss the policies and decisions shaping today's military bases. From investments in infrastructure at Camp Pendleton to broader oversight of Veterans Affairs, Congressman Levin outlines why improving living conditions, facilities, and support systems is essential to maintaining a ready and capable force.Our conversation explores the responsibility of leadership to develop a culture where reporting substandard conditions is encouraged. We also discuss the broader role of Congress in overseeing military operations, and the importance of transparency, strategy, and accountability when American forces are deployed.Congressman Levin shares his perspective on the war with Iran, his views on the need for checks and balances, and the growing divide that has made bipartisan governance more difficult. He emphasizes that strong institutions require leaders willing to put mission over politics and to ensure that the constitutional framework guiding military action is upheld.This is a conversation about leadership, accountability, and the systems that support those who serve. It is about ensuring readiness not just on the battlefield, but across the entire force.Highlights:0:00 Introduction1:53 Welcome to the Jedburgh Podcast3:19 California's 49th District6:34 Improving Military Housing14:25 Status of the Iran War19:37 Is Iran A Direct Threat To The US?22:08 Iran's State Sponsorship of Terrorism25:20 Negotiating with Iran28:41 Bridging the GapQuotes:“It is imperative that we treat our veterans and military families with absolute respect.”“We've got real issues with barracks.”“We're not looking for the Ritz Carlton. We're just looking for a decent place.”“The average member of the military needs a decent place where they can live.”“The challenge is the lack of clarity about what they're being asked to do.” “They didn't brief us on what the plan was going to be.”“It's a war that is unauthorized. It is a war without a clear exit plan.”“What damage have we done to our allies around the world? A lot.”“We know less today than we did before the war began.”“The question is whether or not the military has actually made it a worse problem or has it actually ameliorated the problem.”“The Iranians have been a horrible regime.”“I don't think the President has enough people around him telling him what he needs to hear, not what he wants to hear.”“Use of military force should be last resort always.”“I am personally never going to see the other side as my enemy. I see them as my political opponent.”“Running the United States is not an easy challenge.”The Jedburgh Podcast is brought to you by OneBrief; enabling military leaders to make innovative, informed and deliberate decisions faster than ever before. Superhuman command wins wars.Follow the Jedburgh Podcast and the Green Beret Foundation on social media. Listen on your favorite podcast platform, read on our website, and watch the full video version on YouTube as we show why America must continue to lead from the front, no matter the challenge.The opinions presented on the The Jedburgh Podcast and the Jedburgh Media Channel are the opinions of guests and host Fran Racioppi. They do not necessarily reflect the opinions of the Green Beret Foundation and the Green Beret Foundation assumes no liability for their accuracy, nor does Green Beret Foundation endorse any political candidate or any political party.

Myles kicks things off with an observation about Millennial dads and their specific choice of headwear. Then, Tyler gives a full rundown of his recent vasectomy, answering the ultimate question: "Is it actually worth it?" Later, Ryan jets off for a sales meeting, and we discuss the possibility of buying Spirit Airlines. To wrap up, we dive into patron questions covering everything from staying at the Ritz Carlton to Tyler's past jobs and how to build the ultimate pontoon boat.Go to shadyrays.com and use code "ybr" for 50% off 2+ pairs of polarized sunglasses.

Ladies and gentlemen, welcome to The Kevin Jackson Show, where we take today's headlines, flip them over, shake out the loose change, and somehow still come up richer than the people running the country.Let's start with a little aviation eulogy. Cue the soft violin, maybe a single overhead bin creaking in the distance…Spirit Airlines… is gone.Flatlined. Toe tag. Curtain call at 30,000 feet.Now Spirit wasn't exactly the Ritz-Carlton of the skies. Nobody ever said, “You know what would really elevate this anniversary trip? A middle seat on Spirit with a guy eating tuna out of a Ziploc.” No. Spirit was the airline equivalent of a gas station hot dog… you knew what you were getting into, and yet somehow, it still surprised you.It was cheap. It was chaotic. It was… honest.And yes, it had a reputation. You'd go to the gate and it looked less like boarding a plane and more like casting for a reality show titled “Who Packed Their Entire Life Into a Carry-On?” Fights at the counter? Legendary. Viral before viral was even trying that hard.But here's the question nobody in power bothered asking: Did people fly Spirit because they loved it… or because it was the only thing they could afford?See, Spirit wasn't just an airline. It was a pressure valve for the middle and working class. It was the difference between “I can visit my family” and “I'll just FaceTime them and pretend my Wi-Fi froze when it gets emotional.”And now? That valve is gone.And somehow, in the twisted funhouse mirror of modern politics, this is being celebrated.You've got Elizabeth Warren out there practically popping champagne, calling this collapse a “win for consumers.” A win. That's right. Because nothing says “victory” like 14,000 people updating their résumés while ticket prices quietly double in the background.That's like burning down a grocery store and calling it a diet plan.Let's rewind the tape a bit.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Amanda Demanda built her firm by aligning three things that rarely work together: brand, intake, and case value. That combination drove the jump from $2M to $60M in five years. Her marketing brings in clients who already trust the firm. Her intake process reinforces that trust at every step. And she trains her team to work cases all the way to maximum value—not just resolution. If you want to surround yourself with top-tier operators like Amanda and learn the exact strategies they use to scale, you need to be in the room at PIMCON 2026. Visit PIMCON.org to get your tickets. For more resources on how to dominate your market, visit us at Rankings.io. On this episode, you'll learn: Why brand-driven growth produces more higher-value cases than transactional lead flow. The “Ritz-Carlton” intake approach that shapes trust from the first call. How gifting, follow-ups, and consistency influence referrals long after the case closes. The “tender” metric—and how it exposes missed value inside your cases. If you like what you hear, hit Subscribe. We do this every week. Buy tickets for PIMCON 2026: https://hubs.li/Q04bf9vT0  Subscribe to our newsletter:  pimnewsletter.beehiiv.com  Get Social! Personal Injury Mastermind (PIM) powered by Rankings.io is on Instagram | YouTube | TikTok

Spring Fling & The Micro-Rest Revolution: Episode 270 with Heather Pettey, CPC & Dr. Carol Lynn It's a beautiful April, and that means it's time for some spring refreshing with your favorite Life Coach BFFs! Join host Heather Pettey, CPC, and the fabulous Dr. Carol Lynn as they celebrate the vibrant start of spring and discuss tangible ways to reorganize, re-energize, and step into your power. This week, the "dynamic duo" dives into the allergy struggles common this time of year—and correct etiquette for dealing with them in public!—before tackling the main event: the "Micro-Rest Revolution." Heather and Carol explain why finding just 60 to 90 seconds of intentional peace (what they call a "micro-rest") can be more effective for lowering cortisol and resetting your nervous system than a long nap. You'll get practical advice on somatic grounding, breathing exercises like box breathing, and even the simple restorative power of laughter. And you don't want to miss an impromptu "Show and Tell" where Heather shares her latest uplifting finds (on a budget!). In this episode, we chat about: April Refresh: Feeling the seasonal itch to reorganize, clear out the clutter, and step into your personal power. Allergy SOS: Experiencing one of the worst allergy seasons in years, and why dabbing is always better than blowing at the table. The Micro-Rest Revolution: How specific 60 to 90-second nervous system resets can lower cortisol more effectively than long breaks. Breathwork & Grounding: Dr. Carol Lynn's tips for box breathing and restoring your vagus nerve with humming, gargling, and somatic exercises. Sensory Therapy: Why scents and fragrances promotes memories and resets your environment (and how they helped Heather with COVID recovery!). Show & Tell! Heather's restful trip to Walmart (at 8:30 AM!) and the fabulous items she found to unstick her: The adorable beaded strawberry wristlet handbag (perfect for your essentials!). Grab here! The comfortable, stylish mint green slide shoes (and a peek into future Masters Party plans!). Her first waterless, cordless diffuser—and the Amazon fragrance that makes her home smell like the Ritz Carlton. Check-Out Chaos: A hilarious debate on the stress of shopping high peak times at big-box stores, self-checkout woes, and the "Great Walmart Pricing Mystery." Memory Lane: A fun trip back to the Humboldt, Tennessee Strawberry Festival, complete with floats, "Little Miss" royalty, snaps, and invisible dogs! Connect with Your Life Coach BFFs: Join the Midlife Moxie Newsletter: Don't miss out on fun items, exclusive updates, and the best life ever! The link is right in the show notes. Sign Up and Get the latest MOXIE news! Follow on Social Media: All our community connection is on our Our Midlife Moxie Facebook Page! (Yes, the podcast is Life Coach BFF Show, but our social is under Our Midlife Moxie – we hope to see you there!). @ourmidlifemoxie The Journal: Grab your My Midlife Moxie Journal on Amazon and register it on page two. Digital Version My Midlife Moxie Journal Book Recommendation: Boundaries by Henry Cloud. Beauty Hack: Doo Nails (Press-on nails). Connect with us: Keep up with the Moxie community and don't forget to put your lip gloss on and smile! We are cheering for you every step of the way. Sign Up and Get the latest MOXIE news!   Join The Facebook Group: @ourmidlifemoxie   Connect with Host Heather Pettey: Email: hpetteyoffice@gmail.com Private Coaching with Heather:https://www.ourmidlifemoxie.com/heatherpetteycoaching Speaker Request Here Instagram @HeatherPettey_ Facebook: @HeatherPettey1 Linkedin: @HeatherPettey Book: "Keep It Simple, Sarah" (Amazon bestseller) Connect with Host Dr. Carol Lynn: Linkedin Website: https://www.drcarollynn.com Facebook Group: @ourmidlifemoxie Website: www.ourmidlifemoxie.com Don't forget to subscribe to the Life Coach BFF Show for more inspiring content and practical life advice! Disclaimer: This podcast is for informational and educational purposes only. Heather Pettey is a certified coach, Dr. Carol Lynn is a licensed physician, and our guests share their own expertise. Nothing you hear here should be taken as medical advice. Always talk with your own doctor about your personal health or medical needs.

The boys talk Chris trying Coke Zero, Nick losing weight by Factor Meals, tasty food everywhere, Erik's movie premiere, Q&A and spending $2,600 dollars at the Ritz Carlton, Chris' wild hotel food order story, Brendan's crazy young umpire story and much more! Get this episode AD FREE + 2 PATREON ONLY episodes/month only at https://patreon.com/thegoldenhourpodcastGet tickets for the LIVE Golden Hour at 4 pm on Friday, March 20th at Vulcan Gas Co. in Austin, TX!https://vulcanatx.ticketsauce.com/e/chris-delia-live-5/ticketsFabletics - Just head to https://fabletics.com/golden , take a quick style quiz, and be sure to select golden when prompted to unlock your 80% off. That's https://fabletics.com/goldenHIms - To get simple, online access to personalized, affordable care for ED, Hair Loss, Weight Loss, and more, visit https://hims.com/goldenQuince - Refresh your winter wardrobe with Quince. . Go to https://quince.com/golden for free shipping on your order and 365-day returns. Now available in Canada, too. That's https://quince.com/golden . Free shipping and 365-day returns. https://quince.com/goldenSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.