Podcasts about Wells Fargo

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Tiffany Bussey Director of the Morehouse Innovation and Entrepreneurship Center (MIEC) at Morehouse College. The conversation focuses on entrepreneurship, wealth creation, supplier diversity, workforce development, and emerging opportunities in sustainability-related industries. Dr. Bussey explains how Morehouse helps Black and Brown businesses scale through access to capital, contracts, strategic relationships, and business development programs. The discussion also highlights partnerships with organizations such as Goodwill, JPMorgan Chase, and Wells Fargo that help create pathways to employment, business growth, and economic mobility. Purpose of the Interview The interview was designed to: Educate entrepreneurs about resources available through the Morehouse Innovation and Entrepreneurship Center. Challenge stereotypes about Black-owned businesses and workforce readiness. Highlight business opportunities in sustainability, renewable energy, EV infrastructure, green construction, and agriculture. Demonstrate the importance of access to contracts and relationships, not just capital. Encourage business ownership as a pathway to wealth creation and closing the racial wealth gap. Key Takeaways 1. Entrepreneurship Can Help Close the Wealth Gap Dr. Bussey emphasizes that entrepreneurship and small business development are powerful tools for creating wealth and addressing racial income inequality. 2. Access to Opportunities Is as Important as Access to Capital While funding is often discussed as the largest obstacle for minority entrepreneurs, access to contracts, customers, and decision-makers is equally important for growth. 3. Morehouse Has a Proven Record of Impact Over the past 20 years, the Morehouse Innovation and Entrepreneurship Center has: Supported more than 400 businesses. Helped create over 850 jobs. Facilitated more than $34 million in new capital access. Helped businesses generate more than $82 million in new revenue. 4. Sustainability Is a Major Economic Opportunity Dr. Bussey encourages entrepreneurs to explore high-growth sectors such as: Renewable energy Electric vehicle infrastructure Green building and construction Sustainable agriculture Environmental technology and services She describes sustainability as one of the most significant emerging economic sectors globally. 5. Workforce Development Matters Businesses often struggle not only with financing but also with finding qualified workers. Partnerships with organizations like Goodwill help create a trained workforce pipeline to meet employer demand. 6. Goodwill Offers Career Training One of the most surprising insights from the interview is that Goodwill provides workforce training, certifications, and in some cases stipends for participants seeking new job skills and career pathways. 7. Entrepreneurship Is Not Easy Dr. Bussey cautions listeners against romanticizing entrepreneurship. While ownership can be rewarding, running a business requires long hours, resilience, and a willingness to embrace risk and failure. 8. The Three Cs of Business Growth The foundation of Morehouse's Small Business Executive Program is: Capital Connections Contracts Dr. Bussey argues that sustainable growth requires all three. 9. Relationships Drive Revenue Business success depends on building genuine relationships and understanding customer needs. Companies win contracts when they present solutions to customer problems rather than simply selling products or services. 10. Minority Entrepreneurs Should Pursue Future-Focused Industries Rather than focusing only on traditional business models, entrepreneurs should position themselves in growing industries where demand and opportunities are expanding rapidly. Notable Quotes On Economic Empowerment "We believe that entrepreneurship and small businesses are one of the pathways in closing the racial income inequality gap in this country." On Business Growth "At the end of the day, it's revenue that drives and scales businesses." On Opportunity "What we don't talk about quite as much is access to opportunities." On Program Design "This is not just technical assistance for technical assistance sake. This is not about butts in seats." On Sustainability "We know that global warming is a thing and it does exist, and that there is a huge industry that is being developed." On Entrepreneurship "Entrepreneurship is in our DNA." On Failure "We have to accept that failure is part of the process." On Ownership "Ownership is what we need." On the Three Cs "Capital, connections and contracts." On Selling "People don't buy products and services. They buy solutions." On Customer Value "If you approach a customer and say, this is how I can help you solve your problem, more than likely you will get that business." Bottom Line Dr. Tiffany Bussey's message is clear: business success requires more than funding. It requires access, relationships, contracts, workforce talent, and the willingness to pursue emerging opportunities. Through the work of the Morehouse Innovation and Entrepreneurship Center, she is helping entrepreneurs build scalable businesses, create jobs, and generate wealth within underserved communities. The interview serves as both a roadmap and a call to action for aspiring business owners to pursue ownership, innovation, and long-term economic growth. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Tiffany Bussey Director of the Morehouse Innovation and Entrepreneurship Center (MIEC) at Morehouse College. The conversation focuses on entrepreneurship, wealth creation, supplier diversity, workforce development, and emerging opportunities in sustainability-related industries. Dr. Bussey explains how Morehouse helps Black and Brown businesses scale through access to capital, contracts, strategic relationships, and business development programs. The discussion also highlights partnerships with organizations such as Goodwill, JPMorgan Chase, and Wells Fargo that help create pathways to employment, business growth, and economic mobility. Purpose of the Interview The interview was designed to: Educate entrepreneurs about resources available through the Morehouse Innovation and Entrepreneurship Center. Challenge stereotypes about Black-owned businesses and workforce readiness. Highlight business opportunities in sustainability, renewable energy, EV infrastructure, green construction, and agriculture. Demonstrate the importance of access to contracts and relationships, not just capital. Encourage business ownership as a pathway to wealth creation and closing the racial wealth gap. Key Takeaways 1. Entrepreneurship Can Help Close the Wealth Gap Dr. Bussey emphasizes that entrepreneurship and small business development are powerful tools for creating wealth and addressing racial income inequality. 2. Access to Opportunities Is as Important as Access to Capital While funding is often discussed as the largest obstacle for minority entrepreneurs, access to contracts, customers, and decision-makers is equally important for growth. 3. Morehouse Has a Proven Record of Impact Over the past 20 years, the Morehouse Innovation and Entrepreneurship Center has: Supported more than 400 businesses. Helped create over 850 jobs. Facilitated more than $34 million in new capital access. Helped businesses generate more than $82 million in new revenue. 4. Sustainability Is a Major Economic Opportunity Dr. Bussey encourages entrepreneurs to explore high-growth sectors such as: Renewable energy Electric vehicle infrastructure Green building and construction Sustainable agriculture Environmental technology and services She describes sustainability as one of the most significant emerging economic sectors globally. 5. Workforce Development Matters Businesses often struggle not only with financing but also with finding qualified workers. Partnerships with organizations like Goodwill help create a trained workforce pipeline to meet employer demand. 6. Goodwill Offers Career Training One of the most surprising insights from the interview is that Goodwill provides workforce training, certifications, and in some cases stipends for participants seeking new job skills and career pathways. 7. Entrepreneurship Is Not Easy Dr. Bussey cautions listeners against romanticizing entrepreneurship. While ownership can be rewarding, running a business requires long hours, resilience, and a willingness to embrace risk and failure. 8. The Three Cs of Business Growth The foundation of Morehouse's Small Business Executive Program is: Capital Connections Contracts Dr. Bussey argues that sustainable growth requires all three. 9. Relationships Drive Revenue Business success depends on building genuine relationships and understanding customer needs. Companies win contracts when they present solutions to customer problems rather than simply selling products or services. 10. Minority Entrepreneurs Should Pursue Future-Focused Industries Rather than focusing only on traditional business models, entrepreneurs should position themselves in growing industries where demand and opportunities are expanding rapidly. Notable Quotes On Economic Empowerment "We believe that entrepreneurship and small businesses are one of the pathways in closing the racial income inequality gap in this country." On Business Growth "At the end of the day, it's revenue that drives and scales businesses." On Opportunity "What we don't talk about quite as much is access to opportunities." On Program Design "This is not just technical assistance for technical assistance sake. This is not about butts in seats." On Sustainability "We know that global warming is a thing and it does exist, and that there is a huge industry that is being developed." On Entrepreneurship "Entrepreneurship is in our DNA." On Failure "We have to accept that failure is part of the process." On Ownership "Ownership is what we need." On the Three Cs "Capital, connections and contracts." On Selling "People don't buy products and services. They buy solutions." On Customer Value "If you approach a customer and say, this is how I can help you solve your problem, more than likely you will get that business." Bottom Line Dr. Tiffany Bussey's message is clear: business success requires more than funding. It requires access, relationships, contracts, workforce talent, and the willingness to pursue emerging opportunities. Through the work of the Morehouse Innovation and Entrepreneurship Center, she is helping entrepreneurs build scalable businesses, create jobs, and generate wealth within underserved communities. The interview serves as both a roadmap and a call to action for aspiring business owners to pursue ownership, innovation, and long-term economic growth. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast See omnystudio.com/listener for privacy information.

What if creativity isn't a talent you're born with, but a muscle you've simply stopped using? In Daily Creative, Blythe Harris and Mallory May make the case that everyone is creative — even the people convinced they can't draw, paint, write, or make anything “good.” The real problem is that perfectionism, routine, and our obsession with getting things right have trained many of us to stop experimenting altogether. In this conversation with Rufus, Blythe and Mallory reveal why even a few minutes of creative play can boost well-being, sharpen your thinking, and pull you out of autopilot. They share simple ways to quiet your inner critic, explain why constraints can actually make you more creative, and show how noticing what catches your eye can help you develop a point of view that's genuinely your own. And in an age of AI and automation, they argue that exercising your creativity may matter more than ever.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Tiffany Bussey Director of the Morehouse Innovation and Entrepreneurship Center (MIEC) at Morehouse College. The conversation focuses on entrepreneurship, wealth creation, supplier diversity, workforce development, and emerging opportunities in sustainability-related industries. Dr. Bussey explains how Morehouse helps Black and Brown businesses scale through access to capital, contracts, strategic relationships, and business development programs. The discussion also highlights partnerships with organizations such as Goodwill, JPMorgan Chase, and Wells Fargo that help create pathways to employment, business growth, and economic mobility. Purpose of the Interview The interview was designed to: Educate entrepreneurs about resources available through the Morehouse Innovation and Entrepreneurship Center. Challenge stereotypes about Black-owned businesses and workforce readiness. Highlight business opportunities in sustainability, renewable energy, EV infrastructure, green construction, and agriculture. Demonstrate the importance of access to contracts and relationships, not just capital. Encourage business ownership as a pathway to wealth creation and closing the racial wealth gap. Key Takeaways 1. Entrepreneurship Can Help Close the Wealth Gap Dr. Bussey emphasizes that entrepreneurship and small business development are powerful tools for creating wealth and addressing racial income inequality. 2. Access to Opportunities Is as Important as Access to Capital While funding is often discussed as the largest obstacle for minority entrepreneurs, access to contracts, customers, and decision-makers is equally important for growth. 3. Morehouse Has a Proven Record of Impact Over the past 20 years, the Morehouse Innovation and Entrepreneurship Center has: Supported more than 400 businesses. Helped create over 850 jobs. Facilitated more than $34 million in new capital access. Helped businesses generate more than $82 million in new revenue. 4. Sustainability Is a Major Economic Opportunity Dr. Bussey encourages entrepreneurs to explore high-growth sectors such as: Renewable energy Electric vehicle infrastructure Green building and construction Sustainable agriculture Environmental technology and services She describes sustainability as one of the most significant emerging economic sectors globally. 5. Workforce Development Matters Businesses often struggle not only with financing but also with finding qualified workers. Partnerships with organizations like Goodwill help create a trained workforce pipeline to meet employer demand. 6. Goodwill Offers Career Training One of the most surprising insights from the interview is that Goodwill provides workforce training, certifications, and in some cases stipends for participants seeking new job skills and career pathways. 7. Entrepreneurship Is Not Easy Dr. Bussey cautions listeners against romanticizing entrepreneurship. While ownership can be rewarding, running a business requires long hours, resilience, and a willingness to embrace risk and failure. 8. The Three Cs of Business Growth The foundation of Morehouse's Small Business Executive Program is: Capital Connections Contracts Dr. Bussey argues that sustainable growth requires all three. 9. Relationships Drive Revenue Business success depends on building genuine relationships and understanding customer needs. Companies win contracts when they present solutions to customer problems rather than simply selling products or services. 10. Minority Entrepreneurs Should Pursue Future-Focused Industries Rather than focusing only on traditional business models, entrepreneurs should position themselves in growing industries where demand and opportunities are expanding rapidly. Notable Quotes On Economic Empowerment "We believe that entrepreneurship and small businesses are one of the pathways in closing the racial income inequality gap in this country." On Business Growth "At the end of the day, it's revenue that drives and scales businesses." On Opportunity "What we don't talk about quite as much is access to opportunities." On Program Design "This is not just technical assistance for technical assistance sake. This is not about butts in seats." On Sustainability "We know that global warming is a thing and it does exist, and that there is a huge industry that is being developed." On Entrepreneurship "Entrepreneurship is in our DNA." On Failure "We have to accept that failure is part of the process." On Ownership "Ownership is what we need." On the Three Cs "Capital, connections and contracts." On Selling "People don't buy products and services. They buy solutions." On Customer Value "If you approach a customer and say, this is how I can help you solve your problem, more than likely you will get that business." Bottom Line Dr. Tiffany Bussey's message is clear: business success requires more than funding. It requires access, relationships, contracts, workforce talent, and the willingness to pursue emerging opportunities. Through the work of the Morehouse Innovation and Entrepreneurship Center, she is helping entrepreneurs build scalable businesses, create jobs, and generate wealth within underserved communities. The interview serves as both a roadmap and a call to action for aspiring business owners to pursue ownership, innovation, and long-term economic growth. #STRAW #SHMS #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Crypto News: SEC resurrecting U.S. crypto custody rule the previous administration failed to land. Bank of America, Wells Fargo, Santander & over a dozen major banks move forward with plans to launch a crypto stablecoin. Ripple's RLUSD stablecoin crosses $2B in market cap, with $963M issued on the XRP Ledger and $1.1B on Ethereum.

In this episode, Tiff and Nikki talk about a critical piece under the marketing umbrella: networking with people in your community across different "genres" of expertise. They discuss knowing your demographic, building a two-way street of referrals, leaning on your hobbies, and a ton more ways to get your business out there and being talked about. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Tiffanie (00:01) Hello, Dental A Team listeners. We are excited to be here. I say it every single time and we truly, truly mean it. I think you guys believe me and know that by now Nikki is here with me today. Nikki, thank you so much for being here. this is our podcasting morning and we block out the a morning, we do a couple hours and make sure that we get the best content we possibly can out to everyone. I'm actually really excited about this one. We just talked through it. for those of you who don't know, our marketing company, they   comb the internet and they comb our calls, they look through all of the data and information they possibly can and look for the best topics they can help us think of, and then they deliver those topics over to us. So for all of you out there, if there's a topic, subject that you've loved you want more of, please let us know. If there's a topic that you're like, gosh, I wish these ladies would just talk about this or dive into this more, let us know. Hello@TheDentalATeam.com   you can tag any one of us in there. Doug is our podcast guru in the background today. and of course we're the ones recording them. So if you've got ideas, we love ideas. We love nothing more than to bring you the stuff that you guys actually need. So Nikki, how are you this morning? Thank you for being here. We were talking earlier about our random Arizona summer storm, which I think it's gone and it's like just hot and humid now, and here we are. So anyways, how are you today?   Nikki Mack (01:23) so good. I know recovering all the damage, you know, the flipped over chairs, the lawn furniture. Nothing flew out of the yard this storm. So always a win, but I'll take it. The hot is worth it because the storms are beautiful. And   Tiffanie (01:37) They are.   Nikki Mack (01:37) in a couple months it's gonna be amazing. We're gonna be really, really happy. Maybe we podcast outside. Just kidding. That's crazy. But   Tiffanie (01:44) you would be so happy.   Nikki Mack (01:45) happy to be here this morning inside in my AC in the aftermath of the storm for sure.   Tiffanie (01:52) Same. Kiera and I did podcast because I think we've done it twice. We've done we've podcasted from South Mountain here in Arizona. Yeah. And   Nikki Mack (01:59) Amazing.   Tiffanie (02:00) that was when that was I mean that was gosh, we were just starting. That was a long time ago. And then we've podcasted from a mountain across the street from her house in Nevada. So and that was our I think that was our birthday podcast last year or the year before. So you never know. We might end up outside. I do love being outside as an Arizona native.   as I'm sure you do as well when it's not 115 or humid. Yeah. Arizona   Nikki Mack (02:25) When it's one hundred and fifteen.   Tiffanie (02:28) doesn't do well with humidity. Like it's been a little humid this summer, and I'm like by a little I mean like there's been like five to ten percent humidity out there, and you feel every ounce of it. So I'm ready for just good weather. so with that, thinking about outside, thinking about outside of ourselves, I love   marketing. It's one of my favorite things in the whole wide world. Like to me, I think communication is marketing. Like I'm constantly marketing myself, right? Who I am, how I show up, and like how I speak to people is marketing. I I just think marketing is showing up in a certain way to get the result that you want. And people overextend it, they overcomplicate it and they think that they have to do it a very certain way. And the reason marketing is   It's a an amazing tool, but the reason it sucks is because it's really hard to like guarantee results, right? So there isn't a certain way. There are multiple stabs in the dark that we take to get different results. And luckily, our blessing is that we get to see a lot of those different ways. We have a lot of practices. We've worked in a lot of practices. We've taken shots in the dark and   really figured out and narrowed in some things that work. And today I really wanted to talk about like strategic community networking and becoming partners with different people in the in the community, different networks in the community and just different genres outside of dentistry. And I think it's really important for dental practices and dental practice owners, business owners in general to do this. I know Toastmasters used to be like this massive thing. It's still here. Like I know someone who does Toastmasters and   She's like the shyest, like most internal person. She's like, I will learn how to talk to people. And so like Toastmasters is still a thing, but the best thing about Toastmasters is wasn't hasn't always been that you learn how to speak in public. It's the community that you build and those referrals, right? And you know, my fiance is a business professional and   Within his profession, he goes to networking events a lot. He's not a good, like he he's a very internal person as well. But he goes and he does these networking events because then he can refer his own clients or his friends. We've used people to, you know, by referral. And building that network totally changes the game because it's a bit like it's a forward and backwards. Like I refer to you, you refer to me, we know each other.   We help each other, all of those different pieces. So I wanted to talk a ton today about how to strategically build that community as a small business owner and a dental practice owner, you know, in any town. And Nikki to your point earlier and maybe speak to this a little bit, you were saying the reason that we and the reason marketing isn't super cookie cutter.   is because we all live in different demographics. But I do think we have some great ideas that could work anywhere. But Nikki, take us through some of what you were talking about there. Like why does it make a difference that where we live?   Nikki Mack (05:42) Absolutely.   Also, quick nerd alert. Five years in Toastmasters back in the day. So a hundred percent.   Tiffanie (05:47) There you go, I knew it. I should have known that.   Nikki Mack (05:52) yeah, I think when we talk about, you know, things not being cookie cutter and knowing your demographic marketing, especially, especially if we're talking community outreach, is a huge place to be in. you know your demographic. This isn't even where I'm like, okay, doctor, sit down and like think about your patients. You know your patience, your team knows your patients.   What is important in your area? What are the things that people post about, go to, talk about? And then being able to lean into that opportunity. Do you have if you're a pediatric office, right? We were just talking about this one. are you right in the middle of a bunch of school districts or a lot of school areas? Do the school nurses have your office information, right? do you participate in teacher appreciation week?   Like what does your outreach look like in those areas? Because not just for the teachers who deserve the world, of course, but also that's when they talk to parents, right? Or the parents that come and see who's taking care of their teachers as well, you're building that not just relationship, but that reputation. And that's what really drives those referrals, that culture, that everything we talk about. Now, maybe if you're a very specialized, I don't know, periodist.   sponsoring teacher appreciation day might not yield the same results, right? So this is where I say, like, know your area, know your demographic. every city has a chamber of commerce, right? the action level and what you kind of get for that membership varies everywhere. But if you look into it and it responds well with your culture and what you're driven, especially if you're very community focused and they do have a lot of those opportunities.   Reach out, right? You know, sign up, try it out for a year. Usually it's an annual membership or so, because the relationships you're gonna build to Tiff's point with those other business owners in the community too are going to be very impactful and possibly spread that reach even further than you would have thought of. And a network who's also trying to actively market and grow their business, what a resource. Because we may not all   Tiffanie (08:02) I see.   Nikki Mack (08:02) be dental, but we can share best practices.   share opportunities and even partner on certain things sometimes. So knowing your demographic, knowing what's really key and crucial, so important. If you're a downtown people commute in, you're right by all the businesses, well, the community pieces might look a little different for you. And so maybe you find out that who did what who did we use Wells Fargo, right?   Tiffanie (08:29) Mm-hmm.   Nikki Mack (08:30) Wells Fargo corporate building is a block from your office.   Does that HR lady know your name, right? Are you guys in network or do you file out of network for them? Knowing your audience is a great way to start before we just cause marketing when it doesn't work is exhausting. So let's be strategic to start and and get some really good results.   Tiffanie (08:54) Yeah, I love all of that. All of that. There are a few pieces there I wanna point out. You said referrals, right? Well, you said periodonist that might not yield the same results and it made me think, Okay, well, how much work are we doing to build the relationship back with those referring practices? I know when I was in that or in office I used to ha have a gosh, get my words together, an orthodontist.   that was really had a really close relationship with our doctor because of a community networking group that they were a part of outside of the dental practice and they routinely sent us families because families found them without a GP dentist because they knew their kid, their teenager needed braces, right? So they'd go to the orthodontist but need a GP dentist so they'd refer him over. Same with periodonists, you know, people look up implant, they end up at an oral surgeon or or a periodontist and they don't have a GP. You guys need them.   To have a GP, so you send them over. So making sure we're building that two-way street of referrals is huge. The Chamber of Commerce, I love this Chamber of Commerce situation and I've seen it really spike up recently with a few practices that we're working with. And I I have one that comes to mind and he'll know exactly who he is. he joined the Chamber of Commerce a few years ago. He's one of the business owners, but he's also the the like practice manager. He manages the business manager, right?   He joined the Chamber of Commerce for their practice when they relocated into a bigger building and he did it in order to really get to know the community. They lived outside of their community, about an hour outside the community that they worked in for a long time. Then they decided to move to that area, and now they're about five minutes down the road from the practice, which is super convenient. But they didn't feel like they knew the community. They felt like they were outsiders and they wanted to be more invested and involved. So they joined the Chamber of Commerce.   And they really started showing up at different events. They started doing, he did a leadership course through the Chamber of Commerce and through the the City Community College there. He knows everyone in that town. Like they have so many connections and so many amazing businesses that support them and vice versa, they support. And something that I don't think people really understand about the Chamber of Commerce is that it's like just that networking piece, the emails that say, hey,   We've got a ribbon cutting event coming up. Like, cool, there's a ribbon cutting event for a small business. Let me go show face and shake hands and say hello to the new owner and welcome them to business ownership. If there's anything that you come across, by all means, I've been through a lot. I might not know it all, but I might have something to offer and just be a neighbor, like be a friendly neighbor. Those community networking pieces could go so far.   And something else you made me think of. I don't remember why I thought of it, but I thought I think you said knowing your demographics, and you said like what what plays to them, right? And then I thought, Nikki, I've never thought of this before, and I think it might be gold mine. I'm not sure. What   Nikki Mack (11:55) Yeah.   Tiffanie (11:56) are your hobbies? Right? What do you love to do? So I'm thinking we're in Phoenix, so we have a lot of foodies, right? We've got a million restaurants here. So what if a dentist who is a foodie who loves food or a team member   Who is a foodie and loves food, and they go and they try all these restaurants, and you're out there, right? I have we have a restaurant in downtown Buckeye, Arizona. It's phenomenal, best Mexican food I've ever had in my life. And I have grown up in Arizona. Best food. Okay. I tell everyone about this place. What what if your dental practice that's like, hey, these are our monthly newsletters, and also let me highlight our restaurant this month.   what restaurant did we go to and we love in our community or in thirty minutes from here? Because now it's become something that's not just brush your teeth, floss. Like people don't I'm not gonna lie, most people are not reading those. Like they're not they're not. They're just not, right? But if you catch their attention with something like the best hike I've taken since I've lived in Arizona, best hike of the month, best restaurant, best ice cream. I have a doctor who loves popcorn. Like where are you getting your best popcorn? What's your   popcorn flavor this month. Like spice it up a little bit with something that's different. Because as I was as you were speaking earlier and I thought of that, I thought, how cool would it be to be like, you're going to that restaurant? I've actually heard of that. And I'm like, where did you hear about it? It's so obscure. And they're like, actually my dentist. Who's your dentist? Because now you've just created a new conversation topic that you can insert yourself into in a network of people across your whole city.   Nikki Mack (13:37) Yeah, absolutely. It makes me think of do you know how sometimes coffee shops or like little bakeries or cafes will have like the question of the day and you   Tiffanie (13:46) Mm-hmm.   Nikki Mack (13:47) answer when you come in? I've seen some dental practices do that, right? Like they have   Tiffanie (13:51) Yeah.   Nikki Mack (13:52) their question of the week or you know, question of the month. and it's just that fun little connection, like you said, and especially if it's something community driven, like what's your favorite Mexican place around here? What's your favorite restaurant? Who's your favorite coffee shop?   to drive kind of that conversation and connection because yeah, then if someone goes and tries it, it's like, how did you hear about us? And you're like, my dentist, actually.   Tiffanie (14:13) Yeah.   Nikki Mack (14:14) it's such a like full circle moment, especially if it's someone that you have partnered with in the past, whether it's meeting each other at a ribbon cutting or you know being at some other event, or they just maybe they're a patient too, right? Like there's always those small world connections and finding ways to close those little links there.   it's always such a neat and unique opportunity because this is why we talk about referrals are the best source for patients because you're it's patients you love referring people they love, right? To come into your practice and they know who you are and like what your culture is. And so when you build those relationships with our networking sources or referral sources and opportunities, it's that same type of environment where they're gonna be referring people   that   fit like what you're looking for and kind of fit that mold. so you just you put so many opportunities out there by by making those connections. I I love that. Also after the cast, I'll need that restaurant. we'll check it out. Okay. Yeah.   Tiffanie (15:14) Totally. Yeah, I will. I will. I'll send it to you. It's so good. It's so   good. and also I was thinking you said, if you've partnered with that person or if they're patients, like why not host we do Invisalign days all the time, right? Or ortho days, Clearliner days, Candid Pro days, whatever you're calling them. and you also do study clubs. Like study clubs are   Nikki Mack (15:38) Mm-hmm.   Tiffanie (15:39) cool because you need the CE. But study clubs are not like you're not   generating a lot of referrals because it's a bunch of other dentists, right? Why not host a networking like day, right? Or or a couple hours and a networking group in your dental practice on a Friday morning from like eight to ten AM. You can have muffins and donuts and coffee and orange juice and water and invite your patients that have businesses, real estate agents, insurance brokers, financial advisors, they're all in your patient base, I promise you.   Doesn't mean you have to use them. It means, hey, I know that there's a community of people here who need a networking group. I would love to do a once a month networking group or once a quarter network networking group for two hours. Invite your patients and invite your patients to invite their friends.   Nikki Mack (16:29) Mm-hmm.   Tiffanie (16:29) Everyone knows somebody. So bring a buddy, maybe every third one. I mean, I would do everyone, but I would do bring a buddy. Like bring a buddy and get a free ticket.   you know, to enter to win the blackstone. I don't know. Do something, but if you were to host something like that for your patients and for local businesses nearby, bam, more. And you're just the whole point in this is marketing is is hard. Marketing is difficult. And we rely on outside sources to do a lot. And I love nothing more Nikki than to look at what can I do? What can I control?   And building a strategic community network, all all it does is start self-promoting your business. Be a good person, know good people. People talk about you. So this whole thing is not only fun, I think, and some doctors might say, like, yeah, you're crazy, you like people. Cool, have your office manager   Nikki Mack (17:26) Yeah.   Tiffanie (17:27) do it. Like, I don't know, ask somebody in your practice is gonna want to do something like this. But what it's doing is it's building your patient base with   out paying for new patients. It's it's a outside the box, out of the normal way of expanding your reach into your community to bring in new patients to your practice to grow your dental practice that's just completely outside the box. And I think in 2026 and whatever year moving forward, you're listening to this, outside the box is what we have to do. The norm just isn't cutting it anymore. You can't just place Google ads   And expect the floodgates to open. You can't just send postcards to your neighbors and expect the floodgates to open. You've got to do something different that gets attention. And building that community and that networking group not only helps you, but it helps all of those other people. And that's when those floodgates open, in my opinion.   Nikki Mack (18:28) I   agree. And I think to your point with when you think outside the box and you come up with an idea, right? Or your team comes up with an idea because it's maybe something they saw or heard or read about, or maybe an idea shared on the Discord that another doctor in a different state   Tiffanie (18:42) Yeah.   Nikki Mack (18:43) used, right? And you're like, I want to do that. Here's what I feel like happens a lot. I want to do that, but I know I don't have time. And so I shelve   Tiffanie (18:50) Mm.   Nikki Mack (18:50) it. Right. Or like, I don't have the bandwidth. Like I absolutely love the network hosting idea.   I don't have the bandwidth to organize that. Well, guess what? There's probably a local group already out there that is doing these things or looking for places to meet. I know in my neighborhood area in Phoenix, we have this huge Facebook group that they do a lot for networking. There's a couple people who run it. They host networking events. They host like open table nights for the neighborhood for people to come and meet each other. And one of the things that they're always looking for is places.   to host. So   Tiffanie (19:27) Yeah.   Nikki Mack (19:28) maybe you don't have the bandwidth currently to create a networking group, right? And host them and do all of the the kind of legwork. Absolutely. But if you like that idea and you have the space, if you have a beautiful break room, right? Or a beautiful lobby, reach out. I bet you or someone on the team knows a local group. Do a quick little local search, right? Reach out.   make sure that they fit, you know, it's the right type of group, their their kind of vision or what they're searching out to do is what you align with. But I'll tell you what, I've been that person trying to find locations and organize groups and where to meet. And when somebody comes out like, hey, you can use my space, here's what it would look like, right? Here's how we could make it work. my gosh, like game changing. And then now you have just solidified your piece like in this network.   And now that's going to create so much opportunity because we all know once they come in the office and experience you and your team, game changer, right? And they have that   Tiffanie (20:28) Yeah, I agree.   Nikki Mack (20:29) opportunity to do it. So any idea, it doesn't just have to be the network hosting. But if you hear something or see something or think of something and your first thought is, I don't have the bandwidth, don't drop it. How do we pivot? What can we do? How do we adjust it? How do we tweak it so that it is something we could fit in, at least in some companies.   Capacity. And that's where your consultants come in, right? I love those messages, Nikki. I had a great idea. I'm like, yes, lay it on me. Let's talk about it. So you're not alone. You don't have to figure out how to make it work. If it's a great idea, let's work it out. Let's talk it through and see how we can make it work for your practice. You have a network. you have consultants, you have the other doctors with the Dental A Team. There's being out of the box means all hands on deck sometimes. So   Tiffanie (21:18) I agree. one last idea, you were talking bandwidth and I I agree. And I thought, like, okay, you can you said earlier, teacher appreciation, right? Make sponsoring that could also sponsor the mommies and muffins and muffins and mom, like whatever it is, like those types of things as well. But also you could go to the donut shop or the kofi coffee shop or whatever like local small business is near you and say, Hey, here's two hundred dollars.   the next two hundred dollars worth of purchases is on me. So when somebody comes and they order their coffee, all I ask is that you let them know that we purchased it for them and we want them to have a great day. Write a little like motivational like have a great day. You are loved, you are seen, you are whatever on a little card. Give that to the desk and let the let $200 worth of money be your marketing for the morning for that coffee shop. Something   that's just different and people are like, wow, that was so unheard of. Okay, that was my last idea. Listen to this. There's a ton of ideas in here, you guys. And the biggest piece is strategically build your community. Your network, what does Kiera say? There's a there's Kiera doesn't it's not her saying, but it's someone's right. But your net worth is directly correlated to your network. And so the people that you know, the people who are help building you up, the people who are   referring back and forth, the the people that you call when business sucks and even though they're not indental, they can relate to you because they own a business. That's your network, right? So build your net worth by reaching out and building your community network. See what you can do to help other people. Nikki, this was really fun. Thank you for taking the journey with me. I know I made a lot of stops and pivots and turns, but that's what marketing is. So thank you and thank you for your time this morning that you blocked out for me.   Nikki Mack (23:13) Always, thanks for having me. Love talking marketing. Always happy to work through stuff. So I'm really excited to see what some of our listeners come up with.   Tiffanie (23:23) I agree. I agree. And with that, go brainstorm. Drop us a five-star review below and let us know what you did, whether it was something we suggested or something you thought of on your own. Let us know what you thought of. We want to share all of these with the community. Hello@TheDentalATeam.com. We are here to help you to work through it, to brainstorm, to do all of the fun pieces. So let us know how we can best support you. And with that, we will catch you next time.  

Want to be a better leader? Start by doing less. In her new book, Leadership Intelligence, Caroline Webb shows how smart delegation, ruthless prioritization, and the right time management techniques can help you make better decisions. In this episode, Caroline and Rufus discuss how to be a better leader by using your time more intentionally, delegating work you should no longer own, and helping your team do their best thinking. Caroline shares practical tools for team management, decision-making, communication skills, saying no without damaging relationships, avoiding multitasking, and focusing on the highest and best use of your leadership. __________ Today's episode is sponsored by: Granola — The AI notepad with notes, actions, and memory, and no annoying meeting bots. Try it totally free for three months at granola.ai/idea IM8 — Athletes. Doctors. They all drink IM8. Get a free welcome kit, five free travel sachets, and 10% off your order when you use code NBI at im8health.com/nbi Momentous — If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code IDEA for up to 35% off your entire first order Upwork — Find freelancers for any project. Visit upwork.com right now and post your job for free Wealthfront — Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time at wealthfront.com/nbi Wealthfront Disclosures: This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of The Next Big Idea, Caleb Bissinger (“Media Partner”), is a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Funds in the Cash Account are swept to Program Banks where they earn a variable APY and are eligible for FDIC insurance. Conditions apply. For a list of Program Banks, see: www.wealthfront.com/programbanks. FDIC pass-through insurance, which protects against the failure of Program Banks, not Wealthfront, is not provided until the funds arrive at the Program Banks. While funds are at Wealthfront Brokerage, and while they are transitioning to and/or from Wealthfront Brokerage to the Program Banks, the funds are eligible for SIPC protection up to the $250,000 limit for cash.  FDIC insurance is limited to $250,000 per customer, per bank, regardless of whether those deposits are placed through Wealthfront Brokerage. You are responsible for monitoring your total deposits at each Program Bank to stay within FDIC limits. Wealthfront works with multiple Program Banks to make available up to $8 million ($16 million for joint accounts) of pass-through FDIC coverage for your cash deposits. For more info on FDIC insurance coverage, visit www.FDIC.gov.  Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Fees & Eligibility requirements may apply to certain checking features. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance.

You can find more from Jay here:https://jayabbasi.me/https://www.linkedin.com/in/jayabbasi/https://www.youtube.com/@jayabbasipodcasthttps://facebook.com/thejayabbasihttps://www.instagram.com/jayabbasi_/What if success isn't about avoiding pressure—but learning to master it without burning out? In this high-impact episode of The Self Esteem and Confidence Mindset, we sit down with Jay Abbasi, global keynote speaker, TEDx speaker, coach, and former Tesla leader, to explore how professionals can thrive under intense pressure with clarity, energy, and purpose instead of running on empty.At Tesla, Jay led national training programs for over 1,000 employees, and has since coached leaders at Google, Amazon, TikTok, Wells Fargo, and more. As host of the top-rated podcast Unstuck with Jay Abbasi, and featured in Forbes Founder, Authority Magazine, and Medium, Jay blends corporate experience with deep expertise in mindfulness, resilience, and wellbeing to help high performers find their voice again when pressure threatens to silence it.

Man Group's Kristina Hooper breaks down Kevin Warsh's closely watched moment and what the shifting policy outlook means for stocks. The episode also examines one of the more surprising turns in the AI trade: Ryan Levine, Senior Utilities Analyst at Citi, explains what happened to the expected AI boost for utilities and whether surging data center power demand can still translate into gains for the sector. Consumer trends come into focus as Ike Boruchow of Wells Fargo examines what a potentially warm winter could mean for retailers and apparel companies. Jonathan Boyar makes the case for value investing and identifies opportunities away from the market's most crowded trades. Nvidia takes center stage ahead of earnings later this week. Tim Arcuri of UBS previews the report and outlines the key signals to watch across AI demand, spending and the semiconductor ecosystem. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today's guest is David Booth, founder of Dimensional Fund Advisors, which now manages over $1 trillion. He studied under Eugene Fama at Chicago and helped build one of the first index funds at Wells Fargo. In today's episode, David traces Dimensional's arc from indexing's earliest days at Wells Fargo to crossing $1 trillion in AUM this year. He shares what Gene Fama said when he got the call, the story of driving a client to Chicago to walk through the Fama-French paper, and why AI investing looks like the California gold rush. To close, David makes the case for judging yourself by decisions, not outcomes. Get David's book: Stay Calm: Learn to Embrace Uncertainty in Investing and Life (0:00) Introduction (0:58) David Booth's start to investing (3:38) The beginnings of index funds and early challenges at Dimensional (10:09) Long-term investment perspectives and the Fama-French three-factor model (17:26) Dimensional's educational focus and advisor partnerships (20:21) Small cap value performance, AI & market trends (23:26) Symbolism of bankrupt stock certificates and lessons on diversification (25:44) Compounding for 45 years (30:56) David's passion for Kansas basketball ----- Sponsor: ⁠Upwork⁠ is the world's largest human and AI-powered freelance marketplace to hire top talent—trusted by businesses and professionals worldwide. Follow Meb on X, LinkedIn and YouTube For detailed show notes, click here To learn more about our funds and follow us, subscribe to our mailing list or visit us at cambriainvestments.com ----- Follow The Idea Farm: X | LinkedIn | Instagram | TikTok ----- Interested in sponsoring the show? Email us at Feedback@TheMebFaberShow.com ----- Past guests include Ed Thorp, Richard Thaler, Jeremy Grantham, Joel Greenblatt, Campbell Harvey, Ivy Zelman, Kathryn Kaminski, Jason Calacanis, Whitney Baker, Aswath Damodaran, Howard Marks, Tom Barton, and many more.  ----- Meb's invested in some awesome startups that have passed along discounts to our listeners. Check them out here!  ----- Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com).

Today, we're revisiting Rufus's conversation with Yuval Noah Harari about his book Nexus. It's Harari at his best — a soaring overview of human history that turns, almost imperceptibly, into a gripping argument about the world we are building right now. The questions he raises about how AI affects our politics are even more relevant now than they were back then. At the time, Harari warned that AI was moving "much, much faster" than he expected. Since then, it has only accelerated — and so have Harari's concerns. At Davos this year, he said: "Anything made of words will be taken over by AI. If laws are made of words, then AI will take over the legal system. If books are just combinations of words, then AI will take over books." Which makes the ideas they explore in this conversation feel less like speculation about the future and more like a description of the present. __________

Last week Wells Fargo, the country's fourth-largest bank with about $2.3 trillion in assets, said it would offer tokenized deposits to corporate and commercial clients this fall. Not long ago, the announcement would have been written off as yet another blockchain trial balloon. Today, it looks more like keeping up with the competition. JPMorgan and Citigroup already operate similar services. JPMorgan's Kinexys network processes more than $7 billion a day and has handled over $4 trillion since launch. Both banks along with Wells Fargo, Bank of America and more than a dozen other large lenders are also participating in an initiative operated by The Clearing House, a bank-owned payments company, like Zelle, that is developing a shared system for moving tokenized deposits between institutions. The market's plumbing is moving in the same direction. The Depository Trust & Clearing Corporation, which clears and settles some $15 trillion in U.S. securities trades per day, processed its first live transactions using tokenized securities in July and plans to launch the service in October. The world's largest asset manager, BlackRock, introduced two tokenized money market products this month. By Nina Bambysheva, Deputy Editor Learn more about your ad choices. Visit megaphone.fm/adchoices

Tiff and Nikki share how a hands-on operator can become a strategic owner, and at the same time set the team up for success. By sharing responsibilities and establishing clear systems, your practice's culture, business, and team can blossom in unexpected ways. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Tiffanie (00:01) Hello Dental A Team listeners. We are back with you today and to share some really fun things. I have Nikki here with me today. I love nothing more than podcasting with the other consultants on our team. And Nikki is a favorite, a fan favorite, and a Dental A Team   Nikki Mack (00:17) Yeah.   Tiffanie (00:18) favorite. Nikki, thank you so much for being here this morning for us and whatever time of day the listeners are listening. How are you today, Nikki?   Nikki Mack (00:26) I am good. I'm excited to be back too. I this has become one of my favorite parts of Dental A Team. and especially when I hear from doctors and listeners, my gosh, I heard you yesterday on the podcast. And it's fun to know that like while I get to have a good time with you, this really matters and it helps our listeners. So happy to be   Tiffanie (00:44) I love that.   Nikki Mack (00:45) here.   Tiffanie (00:46) I love that you walked into an office not that long ago and they said, my gosh, I just listened to you. I think it was that morning, right? You had a doctor that had said that.   Nikki Mack (00:52) Yeah. On   their way into the practice. So that was a how do you follow up yourself? Like that was a that's a tough act. Yeah.   Tiffanie (00:59) Yeah. Yeah. I gotta do a whole meeting. This is wild. I   love it. Yes, we have definitely built a cult following here and we love it. I know you actually you are working with an office who is one of our biggest podcast fans of all time. and it's a husband and wife duo and I won't say who they are, they know who they are because they're listening and she is just   one of the most amazing people I've ever met in my life. She's so sweet. And I am hoping that they're coming to the Masterminds as well. I'm pretty sure that they are. but I will be excited to see them. I know that's a podcast family for you as well. And it just makes it super fun and it kind of makes us feel like, okay, cool, they know me. And so it gives us an outlet and an opportunity for you listeners and you practices who work with us, practices who will work with us in the future. It gives us an opportunity to showcase who we are.   So that you and your teams kind of have an idea before we get to you, whether we're in office or whether we're virtual, just like this. And I think Nikki, you've experienced it now too. You've experienced both worlds, like going into practices obviously who've never heard us, and then going into practices who have heard us. And I think both of us can agree that those practices where the doctors love the podcast, have maybe found us through the podcast or or listen to it and then share it with their teams, those teams are like   almost a step ahead already. Their brains are ready, they're in that growth mindset and they really understand the angles that we come at consulting from. And I think that it really just helps us give that give that like extra footing to make progress. Do you feel the same, Nikki?   Nikki Mack (02:44) Absolutely, I agree. I think we've talked about this, I feel like in a previous podcast. I think in dentistry, fit matters so much, you know, that our team is the right fit, our patients are the right fit. And I think when it comes to consulting, you need to make sure that they're the right fit for your goals and your vision. and our podcast is just a nice way for listeners to, like you said, really get an understanding of who we are and and how we operate, you know, kind of what we're about. And so you really enter the relationship.   a step ahead 'cause we're like, okay, I know this, especially when they've seen us specifically, they already know what they're in for with me. So it's a pretty good start to the ride together for sure.   Tiffanie (03:25) I agree. I think one of my favorite pieces of you in general, but of our c whole consulting team, is that how we show up is like who we are. We don't really show up any differently. I might become a little peppier on stage. People will see   Nikki Mack (03:38) Mm-hmm.   Tiffanie (03:39) that than my normal everyday life. I might talk a little bit more. Erin probably disagrees, my fiance, but I think I talk a little bit more at work than I do at home. but no matter what, like our personality shines through and we are who we are. So then   practices, doctors, people, teams, they do know what to expect. And today I wanted to chat through some aspects and some different ways that we can pull doctor, we'll call it out of the weeds, right? Practice owners out of the weeds. And I think this is actually a huge segue into that because I think sharing your goals, dreams, aspirations, and sharing the things that are helping you feel connected to dentistry or your business or   your systems, things that you've learned that you want to implement, or just really you're like, gosh, I really love these ladies' personalities and I want like some semblance of that kind of culture in my practice. So taking things like this and sharing it with your team is really a great way, Nikki, I think to step that first foot into pulling themselves out of the weeds of being like the one, right?   The one that has to make all the changes, the one that has to make all the decisions, and really just like totally in the weeds of the business, the dentistry, the HR, the people, the team, that like all of the pieces and they're trying to hold all this together, but sharing that I know in our company is specifically with the consultants, we share constantly, we share different things we've heard or listened to or   different podcasters or books, things like that, because it helps to build our culture and helps to keep us closer together. So with that, Nikki, what do you feel like what would that do for a practice or how do you think that it helps a doctor to pull themselves out of the weeds when they do share different things like that? Whether it's this podcast, a different one, could be completely non-dental. How do you think that helps them to set their team up for success to be able to pull out?   Nikki Mack (05:38) Yeah, I think sometimes we get so caught up in that leadership position with our team that we think it's just office focused, you know, making them a better dental assistant or a better office manager or better treatment coordinator. But I think when you look back on some of your best jobs and experiences and cultures, it's where they also work to help develop you as a person. And that's where I think some of these come into play. a lot of these books and podcasts and   Things that even we talk about sometimes I've never heard of them. You know, I'm like, my gosh. And then it's on my regular rotation, a favorite. So the same can be said for your team members. They may not even realize some of these resources are there. And when you share that with them, it creates a different type of connection. like you said, it helps them understand. Like, if I'm like, my gosh, this is my favorite podcast, here's what I took from it today, it helps you relate to them.   And then sometimes it just gives those pieces and it's like, wow, okay, we really are working for this goal, right? We really are trying to get to the next level. And I love things I get at work that I can apply to my personal life because there's a lot. It happens a lot.   Tiffanie (06:45) Mm-hmm.   I agree. And I think too, as you're speaking, I'm thinking of how like different people hear things differently, right? So one podcast, I might hear a certain message and it might be there. You might hear that message too, but you might hear it in a different angle or from a different perspective or apply it differently. And per position too, a dentist and a business owner might hear a marketing podcast and think overarching marketing and like how do we do all of these pieces?   And then you pass it along to a treatment coordinator or an office manager and they're like, cool, I could apply it in this way with my verbiage to my patients. And so like wherever we're sitting, we get to spin it for that perspective and how it's gonna suit us the best. And I think that that makes a massive difference. And pulling ourselves out of the weeds, well, and right there, right? Sending it to an office manager or treatment coordinator, it's like, who is your team? Right? Who are the people that you count on?   at your practice, at your business, who are the people boots on the ground who are there supporting you. And how can you allow them to support you in your journey and be that show up as that leader? You said Nikki, like the leaders in the practice. And sometimes I think doctors silo themselves and think they have to be the one or they have to do it all. But farming some of that responsibility out to the leaders within the practice or the count it on   team members, I think Nikki, you've got a couple teams that are like a handful of people, right? We've got like seven, eight team members.   Nikki Mack (08:16) Yeah.   Tiffanie (08:16) You might not have a leadership team, right? Because like you got seven people, what are you going to do? Pull full four departments up and now they're managing each person's managing one person. So you might not have that full leadership team, but how are these people countable, right? How are you counting on them? And how can you share that culture and that experience and ideas with them?   Nikki Mack (08:40) Yeah. Well, and I think a key thing that we forget a lot, especially as leaders in a practice, sometimes our systems systems are   Tiffanie (08:49) Mm.   Nikki Mack (08:50) created or adapted because of an outlying like thing going on in the practice. We're short staffed, someone's out on leave, right? These things that are going on. But a lot of times we get ourselves in the habit of never shifting back or never reevaluating. So when we get   really stuck in those weeds, I think what happens is that allows us to have these not bad systems, but just they're not efficient, right? They're the things that really bog us down or make us feel really exhausted at the end of the day, but we don't have the opportunity to step back and say, could this be done differently? What should I do? Then when we take that moment, get ourselves out of those weeds, and it's like, my gosh, I not only do I not have to own this, it's better if I don't. There's someone on my team   that's better qualified for it, that should handle that and run in a sense that interference. And it's relearning ourselves how to redirect those people or those issues or those tasks. And then also that's when we have to kind of retrain our team. That's where the leadership comes out, that we are able to say, hey, I can see this clearly and I'm confident that this is a better direction. Here's how we execute it, right? And hold them accountable to it. Don't just take it back on because you're used to it.   but sometimes it takes something, a podcast or a book or a conversation to have that aha moment and realize, this is really like kind of slogging my day down. I shouldn't own this. This could be done better. So having that opportunity to see it through different eyes, it can change so much.   Tiffanie (10:28) I agree. I agree. And I do have practices as they were say saying all this, I'm thinking, how many times have we been asked how do I need to pay them for this to listen to this thing or learn this thing? And we've got our online courses that a lot of practices utilize and we get asked that a lot. Like that's totally up to you guys. We don't have a say in that. but they you know, or practices that say they send it and they don't listen to it, right? And so they're just like beaten down and they start to feel   upset by it or hammered down and like why do I even bother? Do I have the right people? And I think Nikki within that is more of an expectation. And what that leads me to is what is the expectation of each position? And then what's the expectation of that person within that position? So do we have job descriptions? I know we talk about these a lot. We talk about them   Nikki Mack (11:19) Yeah.   Tiffanie (11:20) a lot because they really, really matter. Clarity is everything. Clarity is everything in life. In a world of chaos and a sea of crazy   If we can bring clarity to something, why wouldn't we? Right? It seems wild to say, meh, I just don't feel like it when we could bring some clarity. So if there's clarity to these positions, these these team members know this position means this thing. This is what I do, this is how I show up, these are the tasks that I do. But really a job description is how do I present myself within this seat? How does this seat show up for this practice and what are the goals within that?   So then layering in those expectations too of that personal development. Like, is it built into your culture? And did you do it without seeing why you're doing it? Right? Did you send the podcast like, hey, take a listen to this? You might enjoy it. And they're like, okay, cool. Maybe one day, right? It's on the back burner. This thing is more important. Or did you say, hey, I love growing and learning? And I truly want that to be an aspirational part of our culture.   in our community here at this practice. So from time to time, I might send you little tidbits. I'm gonna tell you why, like what my favorite takeaway was, why I think it's relevant to you, to your position, to your life, if you'll take a listen or read it, right? You can sign up for newsletters, send them a newsletter, send them the Dental A Team newsletter, like whatever that might be, but did you have a description of how they're supposed to show up so that when they see this thing come through, they're like, cool.   That could help me with my team member one on ones. Like I have to do my doc's asking me to do one on ones and I don't understand them yet. This podcast looks like it might help me with that. But not setting those expectations and just flippantly being like, Well, I've sent them the things. I've asked them to do book club with me and nobody wants to. Yeah, well, I'm not a dental nerd either. Like   Nikki Mack (13:17) Yeah.   Tiffanie (13:18) I love dentistry because of where it's gotten me in life. I think it's an amazing   amazing industry. and I I do love dentistry, but I'm not on my off hours listening to a ton of dental podcasts. I'm just not. There's a couple that are floating in there because I need the the continuing education I need to be relevant as well. But I love emotional intelligence. I love, you know, I I love listening to Andrew Huberman, right? And there's so many different things that even in those other podcasts are so applicable.   to business, to relationships, to dentistry, making sure that we figure out what is our style, what is our culture and what are the expectations and then setting those with people, I think make a massive difference, Nikki.   Nikki Mack (14:02) I agree. And I think this is where it comes down to. We talk a lot about I think strong leadership comes to knowing your team, right? And understanding   Tiffanie (14:09) Mm-hmm.   Nikki Mack (14:09) who you have with you and kind of what those desires or those goals are. I know in one practice that I managed, that was a part of our annual reviews. Like, what's a professional goal for you? And then like what's a personal goal? Because if there was anything we could do to kind of support that, and it also benefited the practice or their you know growth as a team member.   Absolutely, why wouldn't we? And then you kind of know how to approach it. So if you know that there's a tip who's less dental nerd, right, then some of that stuff, that's not who you send that podcast to. On the flip side, full disclosure, such a nerd. I did not do back office. All my teens have heard my spiel. I'll save it. It's our little internal secret. But man, do I love some of the nerdy stuff.   Brit and Dana and I actually got to attend a local event here in Arizona a few months ago and do some CE. And when we were comparing what courses we had signed up for, it was very much an aha moment for Brit to realize exactly the level of my nerdiness because I was like, Yeah, I can't wait to go listen to this. Like I just yeah, I I will pull a couple pearls and it will be amazing. and it actually was, and absolutely it was a little dry. Some people left, you know, this is what happens.   but that filled my bucket because it's it's your what motivates you, what drives you is what drives you, right? And then knowing that being able to tune into it is so important and it can sound overwhelming. I know someone is driving in their car right now thinking about, my gosh, now I have to personalize my podcast recommendations per team member. But I promise you it becomes so easy because when you lead with that type of style and you create that culture, this is not where I need you to calendar a task.   To look for podcasts for every team member. It's just gonna come organically and you're able to share those observations, share those pearls of wisdom. And that's how you get out of the weeds, right? We grow our team, we grow their abilities, and we are so aligned that that's what helps that clarity and that confidence because we're like one team, one dream, right? And we all know where that vision is. And this just helps to support it and and boost them up for sure.   Tiffanie (16:21) Yeah, I love that. And so then now we're working on that culture piece. We've got job descriptions clear, right? we've got our our culture piece really starting to fit. And I think that's where a lot of that trust comes into play. So then dentists and owners, they can say, Okay, I trust that this is going to happen. I trust that this team member does have my back. I have full support within them and I can give them this thing. So then we start trial and erroring it. And it's not to say   they didn't listen to the podcast. I can't, I can't give them something. I can't delegate. Like, no,   Nikki Mack (16:55) Right.   Tiffanie (16:56) just be realistic, right? What can you delegate over to them and like dip your toe in that water? Clear expectations on everything. So clear job descriptions, clarity around what does your culture need to look like, clear clarity around your goals, and then start delegating things off that you don't have to do. We like to say any tasks that don't require your brain.   Anything that somebody could do at 80% their level that could look very similar to what you want it to be, it might not be a hundred percent. Their hundred percent might be your eighty percent. but is that okay for this task? Start delegating those things off because that's how you get out of the weeds. Your clarity, your culture, and your delegation are how you get out of those weeds and then having that feedback system. And I think Nikki, within that, like you mentioned goals. I love a good three, five, ten year goal.   not easy to sit down and be like, what do I want in three years? What I want in 10 years. Like do some prompts, ask us, Hello@TheDentalATeam.com. Like we're more than happy to help you dig into what those need to look like to work backwards. But when you have that vision, you have that goal, you know where you're going. Same with your culture. You know what you want your culture to look like. Now it's something that we can create. It's something that we can do together to reach those goals and get you pulled out of the weeds.   You talked, Nikki, about knowing the team members. And I think something that we've done really well with the Dental A team is as a virtual company, we've done a lot of like one-on-one time but group time at the same time. We have a lot of meetings. I I think there are companies that have more than us, but we do have a lot of meetings. But we do know each other. We get to know each other on a personal level. So like I was listening to a book the other day and I thought, my gosh, Christy.   Absolutely nothing to do with dentistry, not business, just like the idea, the premise of it was what you believe to be true will be true, right? Hands down, I believe that. And I thought, my gosh, Christy's gonna love this. So I send it to her, and within 30 seconds, she's like, I had an Audible credit, it's downloading right now. Thank you so much. Like, but I knew   Nikki Mack (19:06) Yeah.   Tiffanie (19:08) that was Christy, right? And I know.   Sometimes I'll pop something into the consultant chat that I'm like, hey ladies, this is actually really cool for business or for marketing. Or I'll be like, Nikki, this made me think of you. Or it's my like TikTok Instagram real friend that I like sending all those things, right?   Nikki Mack (19:23) Ha ha ha.   Tiffanie (19:24) But spending that one-on-one time together and really knowing each other, and it's not long. Like we get two 30 minute slots a month that's one on one with each other.   That's all that it takes and paying attention to one another on meetings and during different tasks, during different things, just paying attention to those pieces and who a person is really gives you key insights to what that could look like when you're sending something along like that. And Nikki, how do you see that? Like how can a dentist step back enough to see the people to be able to to see how can they create that culture to again get out of the weeds?   Nikki Mack (20:04) And I think some of it comes to the time that we dedicate to that culture, right? You   Tiffanie (20:09) Right.   Nikki Mack (20:09) know, do we have a morning huddle? do we check in with our team members? Do we have our one-on-ones? And if the doctor's not having it, does the OM check in with the doctor, right? On those one on ones? What's that kind of communication piece? How do we close that circle? Because it is those like random moments, those passing by. docs usually know so much about their DA because the things that'll   Tiffanie (20:32) Mm.   Nikki Mack (20:32) come up, right?   in a chair working with a patient and just utilizing those and kind of capitalizing on it because that's where it's so funny when we talk about like getting out of the weeds but weeds are different for everyone too right like based on your skill set and kind of your interest. So as you as a practice owner or a leader are looking at your team or maybe looking at your tasks that you could possibly delegate. And like maybe you're sitting there right now like   This eats up a lot of my time. And you're right, someone else could do this at 80%. Like I need to   Tiffanie (21:04) Mm-hmm.   Nikki Mack (21:05) let it go. Let's be smart about who we let it go to and using what we know. If I have someone who is like camera shy, hates being in the reels, hates being in the videos, you know, it's like that's not their jam, but they come up with them. They see the good ones, they see that content and they're handy with like the cameras, with the apps, with the social media.   Maybe that's my social media person because they get to film the reels, right? Takes   Tiffanie (21:32) Mm.   Nikki Mack (21:32) all the pressure off of them and they can just excel, plan for when we're gonna film them. And then I as an owner, I don't have to think about it, right? Because I've got things I could do differently. Same when it comes to some of our patient relationships or you know our strategic efforts. Who do I have that that they would own? It wouldn't be weeds for them. And then I can take it off of the plate. Who is? So it's super important to understand who you have.   And people show you who they are every day, the way we work together, the way we chat when we make our coffee before Huddle, you know, all of those kind   Tiffanie (22:05) Yeah.   Nikki Mack (22:06) of little opportunities. we just have to listen and kind of act on it. And also, I say this to doctors all the time ask. Just ask. Sometimes I'm   Tiffanie (22:16) Hm. I agree.   Nikki Mack (22:18) guilty of it myself in the past. I would be like, gosh, I don't know if Yara would actually be into this. Like, I think so.   And you you spend all this time like going back and forth on your mind because you feel like you should just know. But guess what? Like just go ask. Never has an employee been like, I can't believe the doctor asked how I feel about this. Why didn't they just know? Are you kidding? The ask is such a trust builder. So if we're not sure, ask. Ask a question. It's okay. Because clear is kind, right? And making sure that we know where we're coming from. That's what gives us the confidence as the leader to pass this on, to have clear expectations.   and   then have the appropriate follow-up because that's how it all ties together. For myself, one of the things I love about Dental A Team so much is that we don't just work with the doctor or the practice owner. We really do be have that opportunity to spend time with the team as well and making sure that everyone understands that full circle piece. My favorite thing is to remind them that like I am here to help keep you accountable. So we're not going to forget about this in two weeks. This is something we're going to give a real try.   real follow up and then have real conversations about how it's helping us. And that's a real benefit to finding the things that stick and being able to execute not just for the first couple of weeks. So   Tiffanie (23:35) I completely agree. I think that was a beautiful wrap. And if I had to pull action items out of what you just said, I hope doctors and listeners, you heard them as well. Job descriptions, clear as kind. Morning huddles, make sure that you're communicating every day on some level. And monthly one-on-ones. And I heard the other day they were called feedback sessions, and I really loved that. I was listening to a podcast,   Nikki Mack (23:59) I love that.   Tiffanie (24:00) non dental.   and she said that she called them feedback sessions and it was a feedback loop. It was how are you doing? How are we doing as a company? What are you loving? What are you hating? What's making your life difficult? Like what are blockers? And do you have any feedback from me as your lead? And I loved that because on a monthly basis that is way easier. Yearly reviews. I hate when offices wait till the yearly 'cause that's tied to a metric and like we're not a corporate we're not Wells Fargo. Like   Have a monthly one-on-one. So if I were to pull action items, it would be clear as kind, get those job descriptions, get those morning huddles in place. If they are in place, what can you do to spice them up a little bit this week? And where are your monthly one-on-ones? Where are you getting to know each team member individually, whether it's you or their office manager? And then I think my last piece would be really look at the things that you're doing every day, maybe journal. Like just every time you do something, write it down and go through and highlight what do you s what do you have to do?   And then what are some things that you could delegate off and then how will you do that? Nikki, this is a beautiful podcast. Thank you so much for spending your time with me today. I appreciate you. And I just love the joy that you're bringing to so many practices. Thank you for what you do.   Nikki Mack (25:12) Yeah, thanks for having me. I love it.   Tiffanie (25:14) Of course, of course. All right, listeners, you know what to do. Go leave us a five-star review. Let us know how you enjoyed today's podcast and who you'll be sending it to. Go send it to somebody. Like legitimately, you guys know other owners. You guys know people who need to hear this same message. You are not alone, and neither are they. Make sure that they know that. So go send this podcast to someone. And as always, Hello@TheDentalATeam.com, and we'll catch you next time. Bye guys.

Your brain is a master storyteller. The problem? It's also an unreliable narrator. We like to think our beliefs are built on facts, logic, and careful reasoning. But psychologist and author Owen Fitzpatrick argues that the process often works in reverse: we decide what feels true, then search for evidence that proves us right. This can reinforce limiting beliefs, fuel political polarization, and make us surprisingly susceptible to propaganda. In this conversation with guest host Michael Kovnat, Owen explores how these narratives shape our confidence, identity, and decisions — and what it takes to change them.

Zane Keller, CEO of Ducere Wealth Management, is driven to Lead, Guide, & Educate clients and employees by helping them solve meaningful problems and achieve their goals. Through personalized financial guidance and a culture of empowerment, Zane supports clients with complex financial needs while giving employees the tools, trust, and opportunities they need to grow professionally. In this conversation, Zane introduces The Turn the Ship Around Framework—Delegate Decisions to the Source of Information, Put the Right People in the Right Seats, and Remove Friction That Impedes Performance. He explains why informed employees should have the authority to make decisions, how leaders can remove barriers instead of controlling daily operations, and why culture must remain a priority as a company scales. Zane also discusses macro patience and micro speed, creating opportunities for employee ownership, encouraging intrapreneurship, and helping multigenerational families coordinate their investments, tax planning, estate planning, and financial legacies. — Lead, Guide, & Educate with Zane Keller  Good day. Steve Preda here with the Management Blueprint Podcast, and my guest today is Zane Keller, CEO of Ducere Wealth Management, with a vision to be the leading provider of tech-driven, tax-optimized wealth management services for clients through their advisory support, that every client’s assets, time, and relationships are prioritized. Zane, welcome to the show.  Thanks, Steve. Appreciate you having me.  So, Zane, before we jump in and talk about Ducere Wealth, I’m very curious about your personal why, and how are you manifesting it in the company through the company’s business?  Sure. Well, early on, I knew I liked—one of my biggest passions was helping people solve problems. And one of the amazing things about being in the wealth management industry is you get to help people solve a lot of problems that are personal for them, and that’s their finances. It tends to be a personal subject for them, and allowing them guidance, support, understanding, and being a listening ear is what I find to be extremely rewarding in the business we have. But starting a company and having a team, and building that team, and building all the infrastructure and support and all of that, to me, the employees are as much clients as our clients are clients.  And so it’s an interesting position that I’m in, where it’s a dual role of both looking at it from a standpoint of how do we help our clients with the day-to-day or yearly challenges they face, but also how do I make sure that our employees are empowered to deliver the right client service and feel that they can continue to grow and expand in their careers. So I just like helping people, and I get to do it every day.Share on X  Yeah. Okay. That’s great. So when you talk about solving problems, obviously finance is a mirror for all an individual’s life aspirations, problems, challenges, opportunities, all that stuff. Your people are also humans, individuals, and they probably have similar challenges, so that’s a really neat mosaic there. So what is most challenging in building a wealth management firm like that?  I think the most challenging thing is all of the decisions are on you. And when I talk to other business leaders, there isn’t a roadmap, there isn’t a manual in terms of how people build their businesses, build their teams, and a lot of it is a balance of both trusting your instinct and what your background and lessons have been, as well as trusting those that you have brought in to help build the enterprise.  I was fortunate that I get to work with my dad, who had gone through this venture before, and we’ve gotten a chance to partner together and build it from the ground up. We went from a year ago, I had to order two laptops on Amazon, get a URL from GoDaddy, and start from scratch. And, you know, a year later, we find ourselves with 14 employees, an office in Newport, an office in Las Vegas, $600 million in assets under management, and continuing to want to grow, and being fortunate that we have a tremendous client base who trusts us.  But we’ve been able to attract and retain top-quality employees and team members who we rely on every day to continue building out the vision.  Well, I mean, building $600 million in assets under management in a year in a business like wealth management sounds almost like an impossible goal. Did you have a portfolio that you kind of imported into this business, or was that completely from scratch?  No. We had clients that we had worked with previously. We had left a big bank.  Okay.  And so some of those clients came over with us, but a lot of it was growing organically through COIs, through other marketing efforts, and bringing on other advisors who wanted to leverage our platform to provide a better service for their clients.  That’s fantastic. So how does one start a wealth management business? It sounds like one of the hardest businesses to start because it’s a trust-based business, from what I see, and it’s a very slow-burn kind of business. How do you actually grow a business like that?  Well, I think first is, in our industry, what’s interesting is there’s a lot of different business types. You have the wirehouses, the broker-dealers. There are people that are very successful just being anchored to a Wells Fargo or a J.P. Morgan or Merrill Lynch and building within that. Then you have folks who have gone to the roll-ups. Private equity has become pretty involved in our industry—a lot of roll-ups, a lot of consolidation.  Their value proposition is defined platforms that you can just plug in. And then you have what I consider the true independents, ourselves included, where we had a vision of we didn’t want to be held back or bogged down by two areas. One, as things get larger and larger and larger, the wheels turn slower and slower. And I think we're in a unique area from a business evolution cycle that leveraging AI, leveraging the technology, being able to make decisions quickly is going to be a substantial differentiator over the next several years.Share on X  And we didn’t want to have the conflicts that inherently come when you are backed by investors, and the focus is how do you maximize revenue, even if it may be at the expense of clients or at the expense of employees or at the expense of growth that you don’t see the return on investment for several years. So we decided that we were going to do it from scratch. Luckily, I had a background in—at the previous firm, I had helped build out all of the tech stack.  I’d worn almost every hat you can have at an RIA, and I had the experience from my father having gone through this, that between the two of us, there was enough goodwill or brand equity to build it out. But the other thing that we decided to do is there’s a reason it’s not called Keller Wealth or Keller Investments. The goal was never to have it be about ourselves. It was about creating a brand and a vision where others feel like they can be a part of.  357: Lead, Guide, & Educate with Zane KellerShare on X So as we brought on employees, I’ve challenged them that they have a responsibility to make an impact on the organization, and we start with culture. People have to be a culture fit first. We will not sacrifice culture for all the money on God’s green earth because I can confidently say that I don’t know how much business or revenue we’re missing out on if the team is not functioning at the highest level possible. So the first and foremost is a cultural fit. Then we look at the skills, the competencies, the ability to grow. But for us, culture is number one.  Yeah, love it. So what does it take to grow a wealth management firm? What drives growth in your business?  I think it takes three kind of main pieces. One is understanding that there’s a term GaryVee uses called “macro patience, micro speed.” And what we had set out initially is I knew that there were several steps between SEC registration, getting relationships with a custodian, getting relationships with tech vendors, finding office space, all of that that needs to be done just from a basic business foundation standpoint. What I needed to do, when we needed to do it, and logging every week.  I actually would send emails to myself and my dad for the first two months before we had employees of everything that got done the previous week, and what we needed to get done the next week, and what our blockers were if things couldn’t get done. Then that kind of grew into, as we had employees, becoming a consistent weekly check-in as we were heading towards what I consider our launch date, which was July 28th, because that’s when we actually received SEC approval.  So the first two months was just building the architecture, building up where we’re going to work, what we’re going to work with, all of those decisions being put in place. I’m fortunate enough that I’ve been involved with a lot of different companies in the industry over the years. So I had people who had done this before, people who had worked with large RIAs, small RIAs, and everything in between to lean on as advisors.  I think one of the things that I was more than surprised by was the amount of outpouring of support. “I’m happy to help you. What do you need? What can we do to make you successful? I know someone that I can connect you to.” And I think that's kind of the unique thing about our industry, is that there is a lot of camaraderie and willingness to help each other, even if you may be competitors in some aspects.Share on X  That’s interesting. So when you say “macro patience, micro speed,” what do you mean by that exactly?  So our goal is to get to a billion or more in AUM. And while I’d love to do that overnight, it takes time, both from bringing in clients, market performance. I’d love everything to be fully integrated from an AI standpoint, but again, those things take time. So a lot of the times, I think leaders have an issue with wanting to get to the destination as quickly as possible and not thinking through all the steps they need to get there.  So each step along the way, or what I consider the day-to-day, I try to get as much done in the hours that I have during the day, and that’s where the speed lies. And eventually that compounds, just like investing, into where we want to go from an overall firm standpoint. But me saying, “I just want to be at a billion dollars,” that’s great. But you’re going to say, “Well, what are you doing every day to get there?” I can go, “Well, I’ve had this many prospect meetings.  I’ve had this many client meetings. We’ve reviewed this much market information. We’ve decided to put money towards these investments.” It’s the day-to-day decision-making and being quick in doing that that I think is imperative for us to get to where our goal is going to be.  Okay. So this is a podcast called Management Blueprint, and it’s a podcast of frameworks. We are 350-plus episodes in, and every episode is a different framework. So I wonder, what’s a framework that you have come across, or maybe your did or you guys refined it, invented it, or improved it, that helps you build this business, that helps you do something more effectively, maybe getting new clients, maybe building your team members or training them, maybe getting the word out, whatever part of business it is that can be explained in three to five steps?  Sure. So there’s a book called Turn the Ship Around! by David Marquet, and that, from a leadership standpoint, is the mentality that I have taken since day one. To boil it down into one sentence, it’s this: The people with the information make the decisions. And so if the team is coming to me all the time for every possible decision in order to move this business along, there’s no way that we’re going to grow at the rate or grow, arguably, period, the way that we want to succeed.  So when I sit down with the team, one, the first question needs to be, if you’re running an enterprise like this, do you have the right people in the positions they’re at? Do they have the competencies, the understanding, and the cooperation with others to effectively make decisions in their role? And then the second thing that I spend the majority of my time on is, are there things inhibiting them from doing their role? So things such as, do they not know what their budget is? Do they not know who the decision-makers on the other end are? Do they not know that they are responsible or allowed to make those decisions?  So my goal is to make sure that they understand that if they have the information and we have built what the, I guess, framework or the bumpers are in bowling, that it's their decision to make and to inform me why they made the decisionShare on X not for them to come to me and say, “Do we do A or do we do B?” When we have a team, the expectation is there’s a lot of moving pieces. To your point earlier, it’s a lot to run an RIA. It’s a lot to run a wealth management firm.  There’s several things happening all at once, several things that are intertwined, and you can’t have one person that is reasonable as you grow in scale to be aware or understanding of the pros and cons of every decision. So we’ve brought people on. We have a full investment team. They are responsible for making the investment decisions. I listen in, but I’m not doing the due diligence. I’m not meeting with the managers. I’m not doing all of that. We have folks that are responsible from an operations side, making sure things day-to-day happen. I’m not the one making the decisions on that.  But if they come to me and say, “Hey, this is becoming difficult,” or, “We can’t get ahold of so-and-so,” then I step in. But the whole point of it is making sure that they feel empowered. The people with the information make the decisions. You get the right people in place, you should have, from a leadership standpoint, very few decisions you have to make on a day-to-day basis.Share on X Yeah, that’s great. So basically, you share your contextual understanding of your business with the people who work for you so that they can connect the dots as well, make decisions, and you can focus on the strategic part of the business. What do you and your dad focus on?  Yeah. I’d say it’s two parts. One is focusing on the more complex client issues, as we have multi-generational, multi-family clients, and also where we want the business to go. And it’s not one-dimensional. It’s bringing on more clients, plus bringing on additional advisors, plus looking at things from a national standpoint. After COVID, Zoom has become very useful, and people have become comfortable with having what I consider tele-wealth.  So their advisor may be in a different state, and they’re completely comfortable with that. And so it’s pursuing all of these various growth avenues because the day-to-day is being taken care of. So my focus is just that. It’s focusing on strategy. Where does the next $600 million come from? What about the $600 million after that? And how do we continue to grow in a manner where we don’t sacrifice some of the things that make us unique? As an example, our team constantly talks, interacts all day long, not just on “This is the work that needs to be done,” but people genuinely like working together.  I don’t have a strict in-office policy. The entire team’s here five days a week. I’ve not asked them to do that. I’ve not said they need to do that, but they genuinely enjoy working here. So when we open up a second office, how do we keep that kind of consistency? When we open up a third office or fourth? It's those kinds of areas that I think I spend a lot of my time trying to figure out and see how we grow without sacrificing some of the core values that we have.Share on X  Yeah. So what are your core values?  Probably three big ones. One is, I don’t know if I’m allowed to say it on the podcast here, but we have a no-assh*le policy. You have to be a genuinely good person to work here. You have to genuinely care about other people, and that is the first test. Two, we want, just like the firm grows, we expect the team to grow personally and professionally.  So if you’re going to be here when we do a review, I’m going to ask you: How are you better at contributing to the organization, to your team, and to your coworkers than you were a year ago, and what do you expect to do better a year from now? And then the third thing is: How are you defending our culture? We may have new people come in. What are you doing to set the tone as to how we work here at Ducere? Because, as I mentioned earlier, it’s not just about me and my dad. It’s about the collective organization, each individual playing their part to enhance and protect our culture.  Yeah. So it’s very clear that you talk about culture repeatedly. It sounds like it’s a really big part of your identity and how you want to build this firm.  Absolutely.  So what’s one thing that you’re actively trying to figure out in this business right now?  I think one of the big things is: How do we effectively bring on an advisor where we understand they have a book of business, and we understand they have a certain way of doing things, integrating them into our platform, but allowing them to operate with their own unique style. One of the challenges with scale is sometimes you scale and you give up originality or a unique way that, Steve, you may do something, then I do it a little differently, but it ultimately gets the same goal.  And really looking at what are the goals or deliverables that an advisor wants to bring to their clients, and can we allow them flexibility to get there in their own way? And I’ll give you a good example. So what we do from an asset management standpoint is we have what I call an open architecture. So for any given portfolio, there can be a number of combinations and permutations that give you a similar risk profile or result, and we leave that up, if the advisor wants to, for them to decide what that makeup looks like, as long as it’s within the parameters that we’ve set from a risk standpoint.  So as an example, Steve, you say, “I’m aggressive,” and I go, “Great. I’m not going to put you in one stock if you’re retired. That’s too aggressive.” But we do have several things that are approved on the platform, and we do continuous due diligence where we can say, “Steve, here’s two or three options. Which best serves your client? Which is going to be something that your client understands and feels comfortable with?” So that’s one area that we’ve really been trying to focus on and figure out how we express that differentiator in a way that it actually resonates with those advisors.  Yeah. That’s great. So basically, you want to build an organization where people can stay entrepreneurial. They don’t have to just live in a box that is given to them. So you capture more creativity and more personality in your business so that you can grow in a more nimble way. Is this what you’re trying to do here?  Yeah. I think the official term they’ve called it is intrapreneurship instead of entrepreneurship. But yes, the goal is: How do we get the team to come and say, “Hey, I think we have this issue, and here’s the solution I want to have, and it’s a little different than what we do, but I think there’s a way to make it happen”? And again, the people with the information make the decisions. How do I remove as many blockers as possible so they can continue to pursue that avenue? But the big thing is, some folks sometimes get sidetracked.  They go down rabbit holes or they veer off on projects that may not be going towards what our goal is, right? Growing, adding more revenue, adding more clients. And so as long as there’s a tieback to what our goals are as a firm, then we’re all for empowering them to be able to pursue those passions.  How do you maintain that structure in a family-started business? That can be a tricky one. People might feel that there’s a glass ceiling or they’re always going to stay an outsider. How do you resolve this tension?  That’s a great question, and it’s something that verbally hasn’t come up to me, but I can certainly see people’s perspective on it. And so my dad and I tend to be pretty transparent as to what's going on, what we're dealing with, getting feedback from the team.Share on X And while this is a 40-plus-year venture for me, for my dad, it’s probably about another 10-year venture for him.  And so we’ve stated that our goal is to get to the point where we can be 100% employee-owned, but we can have multiple employees who are owners of the firm. I’m a strong believer in giving people the opportunity to earn their equity. And if we do get to the point where we sell the organization one day, I want to brag about how many millionaires I created.  I don’t think anyone will ever care how many millions someone makes for themselves. And so we’ve, from day one, been very vocal and communicative to the team that the expectation is that as many of the employees as it makes sense, and that they’ve earned it, can earn equity. We plan on doing that, but it’s probably not going to be until about year three where we actually start putting that together from a formal standpoint.  Yeah. That’s fascinating. So who is an ideal client for you? So if someone is listening to this and they think, “Ah, maybe I should talk to Ducere,” how do they know whether they are in the sweet spot of what you’re looking for and who you can serve the most?  Sure. Well, our best clients are ones that tend to be multi-generational, so they’re families that are looking to pass on the management of the wealth from maybe the matriarch or the patriarch to the next generation, and they have more complex investments, partnerships, family limited partnerships. They have an interest in private or alternative investments, and they’re looking for someone to help with that transition and possibly help with the next generational transition, and a partnership that’s another 20 to 30 years.  So folks that are qualified investors that tend to have complex tax and estate needs and really want someone who’s a quarterback between all the other professionals that they work with—CPAs, attorneys, et cetera—that’s who our ideal client is. There are firms out there that offer everything in-house, right? We do your taxes, we do everything. And the analogy I like to use with clients is that’s like going to a buffet. Buffets, for some people, are great, but I’ve never had my greatest meal at a buffet.  Usually, it’s fine dining, where it’s a specific niche that they are looking to serve. And so if they’re happy with the other professionals that they work with, our job is to fill in that gap to make sure that things get coordinated, they get an understanding of what their financial picture is, it’s clear-cut as to how to get to those goals. And I think the biggest and most successful clients we’ve had are ones who want to learn. They want to be educated clients. They want to be educated investors. And so those are the type of clients that would be ideal: multi-generational, complex financial needs from a tax, estate planning, and private investment standpoint.  They’re also looking to work with a firm that may not have some of the conflicts that the Merrill Lynches and Wells Fargos, who may sell you their own proprietary products, because we don’t make any commission. We’re fee-only. Or some of the PE firms who are looking to figure out how to maximize profit off each client. And that’s not the way that we look at it either.  Yeah, I think a lot of people are waking up to the idea that if the owners are super profit-oriented, then it means someone will have to pay the bill. And if there’s a huge imbalance between the motivations of the company and the individuals, then it can create tensions down the road. When I look for home services, I always look for, okay, which company is the one that maybe is a locally owned one, genuinely locally owned with real people that I can talk to and who I can trust, rather than a faceless institution that essentially dictates the policies that may not always be in my interest.  So I appreciate the independence. So if the listeners would like to learn more and figure out whether they have enough complexity or whether you are the right fit for them, where can they find out more, and how can they connect with you?  Sure. We have our website, ducerewealth.com. We’re actually, for our one-year anniversary in about two weeks, revamping it, and so there’s going to be a lot of resources for all the various niche types of clients that we work with, and there are several forms out there. You can contact me, zane@ducerewealth.com. I’m a principal, but I talk to our prospects and clients, and we just want to do what’s best for the client. So, ducerewealth.com, and we welcome any and all of those interested.  Okay. So if you have complex financial needs, or you just want to think about your legacy and transition maybe to the next generation and how to maximize your wealth, check out Ducere Wealth Management and reach out to Zane Keller on LinkedIn. And if you enjoyed the show, then make sure you follow us on YouTube, give us a review on Apple Podcasts, and stay tuned because every week we have a couple of exciting entrepreneurial leaders who come to the show and share their most secret frameworks. So Zane, thanks for coming, and thanks for listening.  Thank you, Steve. I appreciate it. Important Links: Zane's LinkedIn: Zane's website: Zane's email: zane@ducerewealth.com

Analyst upgrades and downgrades are behind some of the biggest morning movers kicking off the final trading session of the week. Jenny Horne explains why HSBC downgraded Cisco (CSCO) after earnings. On the other side of the Street, Bernstein issued an upgrade for Wayfair (W) while Wells Fargo and JPMorgan upgraded Fox (FOXA). ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

We've had many bracing thinkers on this show, but Sara Walker might take the cake. A physicist and astrobiologist at Arizona State University, her book Life as No One Knows It: The Physics of Life's Emergence is a thrilling exploration of life's origins and the search for it across the cosmos. This episode first aired in December 2024.

Patrick Larkin, Partner & Practice Leader, Cerity Partners Three years after launching his independent RIA, Patrick Larkin merged with Cerity Partners—but not because that was the original plan. He explains how ownership changed the way he viewed enterprise value, optionality, and the future of his business. In Summary Going independent is often viewed as the destination. Patrick Larkin discovered it was just the beginning. Louis sits down with Patrick, Partner and Practice Leader at Cerity Partners and former founder of Oak Hill Wealth Advisors, to discuss an unconventional journey: leaving Wells Fargo to build an independent RIA, then choosing to merge that business just three years later. Rather than following a predetermined exit strategy, Patrick shares how ownership fundamentally changed the way he thought about enterprise value. A conversation with a prospective acquirer revealed that buyers weren't interested in purchasing a book of business—they were looking for a business. That realization reshaped how he invested, hired, delegated, and ultimately positioned his firm for the future. The conversation from our Build Grow & Transact series also offers a candid look at life after a merger, from evaluating cultural fit and partnership to balancing autonomy with the resources of a larger organization. More broadly, it illustrates how ownership creates optionality—and why the most valuable decision an advisor makes may not be the one they originally envisioned. The Storyline After spending nearly 15 years building a successful practice at AG Edwards, Wachovia, and Wells Fargo, Patrick Larkin launched Oak Hill Wealth Advisors in 2022 with a simple objective: build a business on his own terms. Like many advisors, he expected independence to be the final destination for a long time. But then there was the realization that ownership changes more than economics; it changes perspective. And it became the beginning of an entirely different way of thinking. As acquisition inquiries arrived sooner than expected, Patrick realized something that fundamentally changed his strategy. Sophisticated buyers weren't evaluating his client relationships as a book of business; they were evaluating Oak Hill as an enterprise. That insight shifted his priorities from maximizing short-term profitability to building a business that could thrive beyond its founder. Just three years after launching, Patrick chose to merge with Cerity Partners—not because he was looking for an exit, but because he believed it strengthened the future for his clients, his team, and his family. Louis and Patrick explore what led to that decision, how ownership increased the value of his business almost immediately, why he compares independence to an IPO, and what advisors should consider if they hope to create options for the future—even if they don't yet know what that future looks like. Topics Covered Building enterprise value versus maximizing annual income Creating optionality through ownership Leaving Wells Fargo to launch an independent RIA Why buyers value businesses more than books of business Evaluating strategic partners and acquisition opportunities The economics of independence and business valuation Life after merging with Cerity Partners Balancing autonomy with enterprise-scale resources Leadership, succession, and building beyond the founder Long-term ownership and partnership models > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why did Patrick decide to leave Wells Fargo? (11:07) Patrick explains why growing frustrations around control, firm priorities, and the ability to build his business eventually outweighed the comfort of staying put. How did going independent immediately change the value of his business? (21:42) Patrick introduces one of the episode's biggest ideas: why launching Oak Hill felt like taking a company public and how ownership increased the firm's value almost overnight. Why did Patrick sell only three years after becoming independent? (20:03) An unexpected conversation with a prospective acquirer completely changed how he viewed enterprise value and accelerated his long-term thinking. What separates a business from a book of business? (21:42) Patrick discusses why recruiting advisors, delegating client relationships, and investing beyond himself made Oak Hill more attractive to strategic buyers. Why Cerity Partners? (26:48) Rather than focusing on valuation, Cerity emphasized culture, partnership, and long-term alignment—qualities Patrick says ultimately mattered most. What is life actually like after a merger? (37:57) Patrick offers an unusually candid perspective on autonomy, leadership, and why he says he hasn't second-guessed the decision once. Key Takeaways Ownership creates opportunities that often aren't visible until after independence. Enterprise value is built by creating a business that can thrive beyond its founder. The first acquisition conversation can be valuable even if no transaction occurs. Cultural alignment may ultimately matter more than valuation when selecting a long-term partner. Independence doesn't eliminate future options—it expands them. Strategic transactions can strengthen outcomes for clients, employees, and owners simultaneously. The goal isn't simply to own a business; it's to create choices for what comes next. https://youtu.be/f7FGLGjBbyo Quotable Moments “The day Oak Hill launched felt like the business had gone public.” “Potential acquirers weren't interested in buying a book. They were interested in buying a business.” “Ownership isn't simply about control. It's about creating optionality.” “The fear of leaving is almost always worse than the actual experience of leaving.” FAQs Why did Patrick Larkin merge with Cerity Partners only three years after launching his RIA? Patrick explains that independence changed how he viewed enterprise value. After learning what sophisticated buyers were actually looking for, he intentionally built Oak Hill as a business rather than simply managing for annual profitability. Why does Patrick compare independence to an IPO? Because ownership immediately transformed the economic value of his practice. Rather than participating in an internal succession model, he owned an independent enterprise that carried substantially greater market value. What changed after Patrick became independent? Beyond gaining control, he began making decisions through the lens of enterprise value—investing in advisors, systems, and infrastructure that would make the business less dependent on him personally. What made Cerity Partners stand out? Patrick cites the firm's culture, partnership model, meritocracy, long-term vision, and ability to combine local autonomy with enterprise-level capabilities. Is this episode only relevant for advisors considering selling? No. The broader lesson is that ownership creates flexibility. Whether an advisor ultimately remains independent or joins another organization, understanding how enterprise value is created can influence decisions from day one. What is the biggest lesson Patrick hopes advisors take away? That independence isn't simply about leaving a firm. It's about creating the ability to choose what comes next on your own terms. Patrick explains that independence changed how he viewed enterprise value. After learning what sophisticated buyers were actually looking for, he intentionally built Oak Hill as a business rather than simply managing for annual profitability. Because ownership immediately transformed the economic value of his practice. Rather than participating in an internal succession model, he owned an independent enterprise that carried substantially greater market value. Beyond gaining control, he began making decisions through the lens of enterprise value—investing in advisors, systems, and infrastructure that would make the business less dependent on him personally. Patrick cites the firm's culture, partnership model, meritocracy, long-term vision, and ability to combine local autonomy with enterprise-level capabilities. No. The broader lesson is that ownership creates flexibility. Whether an advisor ultimately remains independent or joins another organization, understanding how enterprise value is created can influence decisions from day one. That independence isn't simply about leaving a firm. It's about creating the ability to choose what comes next on your own terms. Related Resources From Start-Up to $31B Behemoth RIA: The Catalysts Behind the Growth of Mega-Firm Cerity Partners Ownership Matters: What Advisors Need to Know When Evaluating Firms Top Tips for Setting Your Business Up for Success Years Before a Move Patrick LarkinPartner and Practice Leader Patrick is a Partner and Practice Leader in the Lansdowne, VA office. He is a member of the Lansdowne Practice, where he works closely with families, foundations, and non-profits to help them define and achieve their financial goals with clarity and confidence. With a deep specialization in retirement income distribution planning and complex risk and wealth management strategies, Patrick is known for helping clients simplify complicated financial decisions, reduce uncertainty, and build sustainable, long-term plans. His approach emphasizes fiduciary responsibility, transparency, and personalized guidance — ensuring clients always feel informed and empowered. Prior to joining Cerity Partners, Patrick was the founding member of Oak Hill Wealth Advisors, where he built a highly respected independent advisory practice that earned the trust of families, professionals, and mission-driven organizations across the region. His leadership was instrumental in shaping a client-first culture that continues today. Patrick's work is rooted in a passion for long-term relationships — guiding clients not just through markets, but through life's milestones such as retirement, business transitions, philanthropic planning, and wealth transfer across generations. He takes pride in being both a strategic advisor and a steady partner to the people he serves. Patrick lives in Bluemont, VA, with his wife Angela, their two children, Paige and Sean, and their Golden Retrievers, Huckleberry and Genoa. Outside of the office, Patrick and his family enjoy an active lifestyle — whether it's hiking and backpacking on the Appalachian Trail, biking the Great Allegheny Passage, or sailing on the Chesapeake Bay. These experiences reflect his belief in balance, resilience, and enjoying the journey — values he also brings to his work with clients. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… Build, Grow & Transact: From Breakaway to Transaction in 3 Years A conversation with Louis Diamond and Patrick Larkin, Partner & Practice Leader at Cerity Partners.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Build, Grow & Transact: From Breakaway to Transaction in 3 Years. It’s a conversation with Patrick Larkin, Partner and Practice Leader at Cerity Partners. I’m Louis Diamond, and this is The Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education-driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning, data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: Ownership as a way of creating opportunities you can’t always predict. That’s exactly why we created our Build, Grow, and Transact series. Independence isn’t the end of the story. It’s often the beginning of thinking differently about enterprise value, optionality, and what comes next. Today’s guest is Patrick Larkin, Partner and Practice Leader at Cerity Partners, and formerly the founder of Oak Hill Wealth Advisors. Patrick spent nearly 15 years building a successful practice at A.G. Edwards, Wachovia, and eventually Wells Fargo before launching his own independent firm in 2022. Just three years later, he merged that firm into Cerity. At first glance, that timeline might seem surprisingly short, but as you’ll hear, the merger wasn’t a change in direction. It was the result of seeing his business differently once he owned it. Yet, it’s this perspective that really brings that thought home. Patrick said the day Oak Hill launched felt like the business had gone public because overnight, what had been viewed as a book of business became an enterprise with substantially greater value, some four to five times the value of what it was worth at Wells. And that realization changed the way he invested, the way he hired, and ultimately the way he thought about the future. Pat and I also talk about something advisors don’t often discuss candidly, what life actually looks like after a merger. How much control do you give up? What changes day to day? How do you know whether you’re joining a partner or simply selling a business? Whether your long-term plan is to remain independent forever or eventually join a larger organization, Patrick’s experience is a reminder that ownership isn’t simply about control. It’s about creating optionality and putting yourself in a position where the next decision is yours to make. So let’s get to it. Patrick, thanks for coming on our show today. Patrick Larkin: Oh, my pleasure. Nice to meet you, Louis. Louis Diamond: You too. So let’s start off basically how we start every interview. Tell us about yourself, your background, and how you found your way into our industry in the first place. Patrick Larkin: Yeah, thank you for asking. I knew I always wanted to be a financial advisor. That part really wasn’t in question, but upon graduating college and being a 22-year-old, I knew that it was probably not practical to walk in and start advising people my parents’ age with their life savings. Probably wasn’t going to be a recipe for success. So I took a quick tour through the pharmaceutical industry first, which ended up being unexpectedly valuable. My employers there pushed me to think like an entrepreneur and within our territories. And honestly, that mindset never left me. It shaped how I built everything that came after. Eventually, an opportunity presented itself in Loudoun County, Virginia in Northern Virginia, and I became an FA trainee with A.G. Edwards, absolutely fantastic firm to start my career. Now, what drew me to this career was pretty simple. I felt like it was one of the professions that we had an opportunity to do so much good for others while simultaneously also doing well for yourself, and those two things aren’t in conflict. I also really loved the idea that in this profession there was no hiding. You don’t get paid to show up. You get paid for what you actually do. And perhaps for me, what was most important, I loved the weight of responsibility. I loved earning people’s trust. I loved the idea of deserving, being deserving of their trust, and being a steward of what they’ve worked a lifetime to build. I never took that lightly, and I still don’t. Louis Diamond: That’s amazing. Yeah, I mean, the number of people I’ve heard, you talked so fondly about A.G. Edwards and there’s a bunch of other firms that have since been absorbed or emerged that are like the regional firms of old. So not surprised to hear you loved it. A.G. Edwards, obviously, became Wells Fargo Advisors or was acquired or merged with Wells Fargo. So I know you’re at Wells and A.G. Edwards until 2022. So give us a quick version. How’d you build your practice from the pharma world into being in FA? Patrick Larkin: Yeah, so as I started with A.G. Edwards, I came in at really just the perfect time. It was towards the end of the financial crisis. And I built the business the old-fashioned way with a lot of cold calling and eventually did some dinner seminars, which I can tell you is a very expensive way to learn how to speak in front of a room. But I made some progress, and I was also in a great office, small enough that some of the advisors there would hand off some of the smaller accounts that they weren’t interested in working with, and got an opportunity to get a lot of reps in working with real life clients and individuals. I knew early on I didn’t have enough talent to win on talent alone, so I made up for it and compensated for that with really hard work. The real turning point came for me when A.G. Edwards was first acquired by Wachovia Securities, and that was about five years into my career. And at that point, my branch manager, who was eyeing retirement, asked me to step in as her partner, and that changed everything. We eventually moved over to a Wachovia Securities office, another really great local office in Loudoun County, Virginia. And from that office, I worked on and became a CIMA, a CFP, worked with the clients, built a business through referrals. And I found at that point in my career when I would go to a meeting with Wachovia, eventually Wells Fargo, as a young 30-year-old, I would look around the room often and realize that I was the youngest person in the room. The funny thing was 10 years later, I would go into that same room and I’d look around and I still was the youngest guy in that room. And those demographics in our industry, and when I came into our industry, ultimately led that office that I worked in with Wells Fargo Advisors, I eventually was the recipient and party to five different succession plans- Louis Diamond: Wow. Patrick Larkin: … at Wells Fargo Advisors. I hoped that I had built a reputation as somebody that these other advisors would entrust with their clients. And over that time period, really, I would say professionally, one of my accomplishments I’m most proud of is all five of those retired advisors that I used to work with, who had an opportunity to see me work with clients, all became clients of mine, I still continue to work with. And it’s professionally just one of the greatest honors that I’ve ever had. Louis Diamond: I mean, that’s a large number of advisors you helped sunset, but I would agree it’s the ultimate proof of concept that they not only trusted you with their clients and their life’s work, but now also with their family’s wealth. So I like that, kind of the full life cycle there. So I’m curious, though, you stayed at Wells through a really turbulent time through the fake bank scandal. There’s a lot of attrition. I mean, obviously, they’re still a powerhouse to this day, but what kept you at Wells for as long as it did before you left in 2022? Patrick Larkin: You described it as a turbulent time. Pretty turbulent might be an understatement. Even before Wells, the transition to Wells, Wachovia Bank had been the first company that we transitioned to from A.G. Edwards. And we, of course, went through the financial crisis during that time period and handholding our clients and helping them get through that time period and dealing with concerns that we shouldn’t really have to be prepared with. “Is my money safe? It’s not what’s happening to the market, but is my money safe in your institution?” But once things stabilized, I found real purpose in partnering with some of the retiring advisors and opportunities that came up. It was a really wonderful climate and atmosphere in our local office. It was really a family-like atmosphere, and I still had a lot to learn. And all those advisors that I partnered with, I’ve joked I’ve never had an original idea in my entire life. I stole all my good ideas from them. And some of them were really ahead of their time, and I learned, adopted, and built my own philosophies by working closely with them. Ultimately, by the time I left Wells Fargo, I was finishing up the fifth sunset program and had only made my way halfway through the sunset before the opportunity presented itself to create my own practice. Louis Diamond: So I’m curious, when did you first seriously start thinking about leaving and what really tipped the scales for you? What was the proverbial straw that broke the camel’s back? Patrick Larkin: Yeah, it really was a number of small items and ultimately one big one. But for a long time, I’d been content, but as I tried to grow the business beyond what I could do individually, I felt like I kept running into walls. There were it felt like limitations on how I could build out my team and structure the practice the way I envisioned it. Additionally, there were some new policies that also started to bother me. One of them was the platform advisory fee, which in my eyes was less about client transparency and more about replacing a declining revenue source on the firm’s balance sheet. And after dealing with clients and helping them through the bank scandal at the firm, I was concerned that this would come back and hurt me and the relationships that I had with my clients. Incidentally, I just recently onboarded a new client that transferred to us. And for them, looking at their statement, identifying this platform advisory fee- Louis Diamond: Oh boy. Patrick Larkin: … was the last straw for them before they moved about 15 million of assets to us. Also, I thought I would be I would be a better allocator of resources than Wells Fargo. Wells Fargo retained about half of the revenue that I earned for the business. They seemed to think that the best allocation of that money was additional middle management. Whereas, I thought investment in technology, investment in additional personnel, and an investment in marketing were best places to continue to build out my vision. The final straw, and really a thing that crystallized everything for me was when I read a book in 2021 called The Infinite Game, a book written by Simon Sinek. Chapter eight, the title is Ethical Fading. And it uses the Wells Fargo bank scandal as a case study in what happens when a firm loses its moral compass. I read the chapter and thought, “There it is, I have to do something.” That was really the final push I needed. I mentioned earlier I was very fortunate to start my career with a company called A.G. Edwards, a regional brokerage firm. And while I was at A.G. Edwards, there was a research report that came out on A.G. Edwards as a company. And I’m going to paraphrase a little bit on what was said in that report, but ultimately there was a line in there, and it was a criticism, but I took it as a huge positive as being an employee there. The line said, “While management does not necessarily say it, we believe the client is put ahead of the shareholder.” And that was something I was very proud of. And I just, upon reflecting on it, felt confident those were words that I never was going to see go to print about Wells Fargo. Louis Diamond: So you left Wells in 2022 and founded Oak Hill Wealth Partners in Lansdowne, Virginia. Walk us through that decision. Why go independent rather than going to another firm? Patrick Larkin: I really thought moving to another firm, the things that I had grown frustrated with at Wells Fargo Advisors, I would also find at another wirehouse firm. I was ready, and honestly, the simple answer is I thought I could do better. And I wanted control after having what I felt like was very little control. I had grown frustrated with others making important decisions, and I wanted an opportunity to grab the reins and make decisions on my own. I believe at that time, the future of wealth management was going to be built around fiduciary advice, and I didn’t want to watch that from the sidelines anymore. I was watching what was happening in the industry. And as we were trying to hire new advisors, reaching out to college graduates who were studying CFP programs, identified that they were more inclined to want to start employment with an RIA than a wirehouse. What made the timing work really well was Wells Fargo had actually introduced a program to help advisors in the private client group spin off and establish their own RIAs. Now, whenever I tell this to another advisor, particularly ones that are wirehouses, they can’t understand it. And quite frankly, I don’t understand why they helped us do it, but we were about the 30th practice that they helped us through this process and they provided real support. They hired consultants, made vendor recommendations, even referrals to financing so I could pay off my last succession plan before I left. The only really upside for Wells Fargo was that the ask was that we continue to use First Clearing as the custodian. And one of the downsides for me was I was going to leave all of my deferred comp behind with Wells Fargo. Now, all clients had to do to join me was sign a positive consent. And on May 9th, 2020, we turned on our computers in our new office and our clients were already there. That same day, we launched and started a relationship with Charles Schwab. And it was so exciting to be able to start shopping for what I thought was the best FinTech, really feeling like I was stuck with proprietary tools that Wells Fargo advisors had offered. I felt like I was a kid in a candy store. And if there was a cool tool that I identified that would help us serve our clients better, I was all in and I was buying it. I really feel that some of the technology that Oak Hill eventually bought into and some of the tools we’re using now are going to take years and years before they eventually trickle down to where the wirehouses are, if ever. Louis Diamond: Interesting. So it was really it was for the most part an internal move from one- Patrick Larkin: It was- Louis Diamond: … channel to the other. Patrick Larkin: … it was an internal move, but there was no requirement to stay at First Clearing. As a fiduciary, they couldn’t make those demands. And again, they helped us with the financing, which is really unusual that they helped us secure a loan so I could pay off the last retiring advisor. It’s really unusual that a bank will loan money where there is no business at the time, but because of previous experience that financial institution had working with Wells, they helped us facilitate the transaction. And the program is still in place at Wells Fargo, which is absolutely amazing to me after the experience that I’ve just had myself. Louis Diamond: Yeah, it’s interesting. I mean, does it cannibalize a more profitable revenue source? Sure. But if the alternative was all the assets go to Schwab or Fidelity, to me, honestly, it’s smart. I think they played the long game by not being adversarial on it. Patrick Larkin: I think they played a long game and they took the philosophy, and I think they use it as a recruiting tool that if you love them, set them free. And that’s exactly what they did. Louis Diamond: So for the rest of the episode, I want to talk about your eventual, and not that long period of time, transaction or decision to merge Oak Hill with Cerity Partners. This is our Build, Grow, Transact subseries. And I was really struck by your story because you were three years or so into running Oak Hill, and then your merger with Cerity Partners, an amazing RIA closed. That’s a fairly short runway. Usually when I see folks go independent for the first time, it’s 10, 15, 20 years, maybe never, that they decide to merge or sell. I’m curious to understand your thinking about the transaction. Were you looking to do something? Or was it just like right place, right time and the opportunity presented itself? Patrick Larkin: I had started Oak Hill with the intent of eventually down the road, much closer to retirement, looking for a partner. The opportunity and what I learned early on helped change that idea and philosophy, and I adapted and made modifications to take advantage of it. Louis Diamond: Interesting. So you weren’t necessarily planning on selling or merging the business, it just kind of circumstances happened the way they did? Patrick Larkin: Yeah. When we started Oak Hill Wealth Advisors, it was a really pretty short period of time before we started getting calls from larger national RIAs about potential acquisition, much sooner than I expected. Early on, I just brushed them off, but about a year in, I took one of those calls and it really just opened my eyes up. I realized for the first time this small firm, this little practice actually had some real value, way more than I’d given it credit for. That first call, that first exploration didn’t go anywhere. It wasn’t a good fit. But what it gave me was a much clearer picture of what the serious acquirers were actually looking for. And that changed decisions I made at Oak Hill going forward. I really at that point stopped trying to optimize for near-term profit and really thought of my business as a business and started building towards enterprise value, sometimes at the cost of short-term income. And that turned out to be exactly the right call. Louis Diamond: That’s such an interesting perspective. Let’s double-click into that concept. So it sounds almost counterintuitive that if you kind of had this light bulb moment that like, “Okay, maybe I want to transact my business sooner than I initially thought.” I think most people would say, “Let’s become lean and mean. Let’s become as profitable as possible so my EBITDA’s higher.” But you took the different approach. What were the decisions you did to invest more in enterprise value rather than current cash flow? Patrick Larkin: A true business is one that doesn’t need me to be here every day to operate. And when we left Wells Fargo Advisors, it was myself and one other advisor that created Oak Hill Wealth Advisors. I was responsible for about 95% of the assets and revenue. And one of the more significant investments we made is in additional advisors. I recruited three new advisors, all CFPs, to join Oak Hill Wealth Advisors. Whereas, before I had been largely managing all the relationships myself. For someone that kind of grew up in the regional wirehouse space, it’s pretty counterintuitive to start moving relationships away from you onto other advisors. You’re trained and built to create a moat around your relationships, and realized that the potential acquirers are not interested, at least the ones I was interested in, weren’t interested in buying a book. They were interested in buying a business. And that just meant every decision we made going forward was not profit-driven, but how can I increase the value of the business? So after that first call, I knew I probably would be looking to move forward with a transaction sooner as opposed to the end of retirement. That information that I got on that first call helped me realize that when Oak Hill Wealth Advisors opened its doors on May 9th, 2022, we effectively had an IPO. I had great familiarity with how the succession plans at Wells Fargo Advisors worked. And on that day that we opened our practice, the value of my business jumped to be four to five times the value of it in a succession plan at Wells Fargo Advisors. Now, I knew going forward that I was going to be able to increase revenue. I was going to be able to increase EBITDA. I was going to potentially have some benefits from a market tailwind. I knew the multiples of EBITDA that the firms use may fluctuate, but the biggest change by far occurred leaving the wirehouse and having the value of my business grow four to fivefold in that same day. So what I really focused on was making sure that I was going to, when I was ready to start looking again after I had worked on improving the practice, really was going to look for a firm that was going to be a good cultural fit for both my clients, my team, and myself. Louis Diamond: That’s such a cool perspective. I’ve never heard anyone say that the day we launched your independent business was like an IPO. But honestly, it’s so true. You’re planting a flag in the ground that like, “Here is real value. This is value that we’ve created that we own rather than it being a book of business and a W-2 paycheck.” And it’s a fascinating perspective. Patrick Larkin: Yep. It really is amazing that the value changed that much on one day and the future value changes. Looking at the equity that I owned in Oak Hill Wealth Advisors, it made sense to consider is there a better way to take some risk off the table for myself and my family and diversify some of the equity that I had in Oak Hill Wealth Advisors with a larger enterprise? Louis Diamond: It makes complete sense. Obviously, everyone would sign up for 4 to 5X increase in value. Patrick Larkin: Sure. Louis Diamond: That’s not the reason most people go independent, but it’s important to know. And also, what I really liked about what you shared is I think a really valuable learning for anyone is those calls come in, whether it’s from annoying people like me or from an acquirer, from a firm, they’re not all noise. You took it as an opportunity to learn. Even though that first person who called wasn’t the right fit, it crystallized something in your mind and it let you make proactive decisions that ultimately paid off in spades when it came time to sign the dotted line for your transaction with Cerity. So I think it’s brilliant. And it’s very big picture, big-business-owner-type stuff that I think a lot of people will just filter out because it’s annoying and I’m young, I’m not looking to sell, but that was the journey. Patrick Larkin: Yeah, that first call changed my opinion about timing of when to move forward with a partnership. Originally, I thought this would be something at the end of retirement. The timing of doing so sooner seemed a lot more appealing after having that conversation and realizing what we had actually built. Louis Diamond: Amazing. So ultimately you decided to merge with Cerity Partners. We’ve had Kurt Miscinski from Cerity Partners on the show. They’re a real heavyweight within the RIA world. Most recently, they were valued at $8 billion in a recap, and it’s a very impressive firm. What specifically drew you to Cerity versus other potential buyers? Like you said, you got a lot of calls. Patrick Larkin: After that first call, I just got to work and focused on continuing to take care of our clients, building a team, adding new advisors, being a mentor to those advisors. But at the same time, we were being approached fairly regularly by that point. And I had a pretty good system for quickly deciding whether something was worth a second look, and most weren’t. But about a year ago, one of the national RIAs caught my attention and I started having conversations with them. And once I had progressed with them, I though, “You know what? If I’m giving this consideration, I really need to cast a wider net.” So I reached out to other RIAs that I had looked at and admired and been keeping an eye on. And ultimately, my longtime business coach, Barbara Kay, suggested I talk with Cerity Partners, a company that one of her other clients had just recently joined. And from the very first call, I could tell something was different. And I talked to many different companies. Cerity Partners, and an individual I spoke with, Geoff Newman, they weren’t leading with valuation formulas or deal structure. They were asking questions about my clients, my team, and how I actually ran the practice. They had a very defined process for identifying partners who were genuinely compatible, not just advisors with books that were transferable. And that distinction mattered greatly to me. They also offered really, in my opinion, the right balance of support and still having some autonomy. And their aspiration to deliver consistent standard of care to clients, whether they be in California or Virginia, so that those individuals get the same quality of experience, resonated with how I was already running things within my practice. That combination of support and autonomy, I really liked the idea of continuing to have oversight over my local practice, over our practice, which included the budget, salaries, and bonuses. It more than anybody else felt like a partnership and not a buyout. And I really appreciate it during that first call, Cerity was the only company that talked about a hundred-year plan. It was amazing to me to hear what their thoughts were. Most of the other firms I spoke with talked about valuations. And very quickly in the process, I found myself on a Zoom call with a Patagonia fleece vest-wearing private equity rep walking me through a valuation. And it was efficient, but it was not a cultural fit for me. And the infrastructure behind us and the combination of autonomy is really harder to find than most people think. As I progressed with Cerity, I remember early on in the process thinking to myself, “My God, I hope they want me, I hope they want me,” because I could tell I’m a very process-driven person They had a process with the way they brought me on board. And ultimately, we had a due diligence trip set up to go to one of their larger offices where I met with one of their leaders, Claire O’Keefe, part of their practice development, and had an opportunity to meet with different leaders within the firm and really get my arms wrapped around the potential that they had. Just the quality of the people I encountered through the whole process just kept reinforcing the decision. And by the time we got to the finish line, it didn’t feel like a transaction. It felt like I was joining something that I was excited to be part of. So just a little bit more about what attracted me to Cerity, their culture is just phenomenal. Cerity Partners uses the word “meritocracy” and they actually mean it. Ownership and influence here track your contribution, not your tenure or how well you play the politics. I just attended my first partner meeting in April, and without exaggeration, it was the most extraordinary professional meeting I’ve attended in my 25-year career. During the meeting, there was open debate about the direction of the firm, and every voice in the room carried weight. You could feel the culture. And that type of culture is built over years. You can’t fake it. Everyone in the room it felt like was rowing in the same direction. And by the time the meeting was over, I was so excited to get back to my team and tell them about what I had just witnessed, I wasn’t looking for the exit. I was looking for the brick wall to run through. I was so excited. And every once in a while I wonder having spent so much time in the wirehouse spaces, the bar just set really low for me when I talked to some of my other colleagues that have been independent for a long time. But it was just an absolutely amazing experience. And I do want to just add, one of the last really important things to me about Cerity Partners is I’ve been very fortunate with my career and in this profession. And part of my goal over the rest of my career is to have a legacy. And my legacy currently exists with the families I’ve advised and the team that I’ve built and have served and led. But Cerity Partners is helping me achieve even a greater legacy in our industry with our shared long-term goals. During my first meeting, they talked about their hundred-year vision of being a worldwide employee-owned professional services firm. And currently, and this is very exciting, the employees are the largest shareholder of the firm. No one else I talked to talked about their long-term goals like this, and it’s a vision I believe in. I want to contribute to help to see it accomplished. And one day when I do retire, I want to look back and see how I contribute it to a company that I believe is going to change the direction of professional wealth management. Louis Diamond: Wow. Patrick Larkin: My partnership with Cerity Partners is going to make that a reality. It’s just an amazing place. Yeah, very happy. Louis Diamond: Honestly, you can’t fake that type of enthusiasm. It sounds like- Patrick Larkin: It’s not- Louis Diamond: … you entered into a transaction, which is it’s like jumping into the deep end. How do you sort through what’s the sales process versus what’s real? How much of this is actually going to translate to my life? But hearing you not that long after the transaction, you still feel that and it’s very cool. In the press release I read, you cited estate planning, private markets access, and cross-border planning as key reasons for the merger. Can you talk about what it was about those? Maybe- Patrick Larkin: Yeah. Louis Diamond: … anything else that was missed? Patrick Larkin: Yeah. Louis Diamond: And were those not things that you felt like you could have delivered yourself as a standalone? Patrick Larkin: I thought that they were going to help me be able to be more effective in delivering those, but they weren’t the complete picture. The capabilities that we cited in the release were genuine gaps I wanted to fill and have available for clients and be able to prospect and go after new additional clients. But being fully honest, there were also deeper drivers. One was my team. Sometimes we get emotional about this. Being someone who’s trusted is really important to me, and that’s something I hold in high priority. There are people that followed me out of Wells Fargo to join me. One of my client associates had delayed her retirement so that she could join me and help us launch for the first three months. One of my other client associates has been with me close to 15 years. These are people that trusted me to do the right thing and to make sure that I wasn’t walking them off the plank. Being able to join Cerity Partners and give them a future that didn’t hinge entirely on my personal longevity was a huge relief. And Cerity Partners is an ownership culture. I’m so happy to say today that every single individual on my team in our practice in Lansdowne is now either an equity owner in Cerity Partners or very shortly will be an equity- Louis Diamond: So cool. Patrick Larkin: … equity owner. So they have a stake as well in what they’re building. It matters. My youngest client associate noticed how much it costs to send to FedEx. And he goes, “Now that I’m an owner, maybe we should rethink about sending regular mail.” Another driver was my family. And I’ve always had the philosophy of trying to prioritize and clients first, team and colleagues, and then my family. And I’ve always made decisions that if I put those others before myself, eventually I’ll be taken care of. And going through this transaction, it was so generous to my family and provided such security. There was a little bit of guilt that, “Am I doing this for all the right reasons?” But being able to secure my family’s future, converting equity in a three-year-old RIA into a stake of a $8 billion-plus valuation with institutional backing, that was a meaningful moment and I’d be less than honest if I glossed over that. I also really wanted to be part of something larger than myself. And the opportunity to help build a legacy in this business with Cerity Partners really gives me the platform to do that. Louis Diamond: Very cool. I can tell that you’re genuine, not just because of the way you sound, the way you’re speaking, but in the very beginning of the episode, you talked about the reason you got into this business was because you thought it gave you the dual purpose of being able to help people, but also being able to enrich yourself or your family. So this answer, it comes full circle. You’re able to accomplish all these goals, which made it the right decision. And I think, look, I say to advisors all the time, “You’re allowed to be greedy, you’re allowed to be selfish as long as the clients are still in the front of your mind as the most important thing.” There’s nothing wrong with doing better for clients, building a legacy in your case, but also reaping the rewards of all your hard work and labor and also all the risks that you’ve taken over your career. I got to ask you, though, from being an employee of Wells, where you were running your team, for the most part, you can run the business within their guardrails the way you want, to then running an RIA, which is really like you’re fully in control of everything, to now being a partner, but you’re not the one who has the name on the door anymore. Patrick Larkin: Right, right. Louis Diamond: Well, how do you think about the giving up control and full ownership of your practice versus owning a very small amount of a much larger entity? Patrick Larkin: There was such continuity. Oak Hill Wealth Advisors and Cerity Partners were so philosophically aligned that I genuinely never felt like I was giving up anything that I wasn’t glad to let go. My wife joined the business shortly before I left Wells Fargo Advisors. And still to this day, on my drive home from work, I call her up and say, “You’re not going to believe this.” And it’s all a positive, good thing. So Cerity has struck the perfect balance of that autonomy and support combination that I was looking for. So I still have control and a say over the way our practice is managed. Very shortly after the merger, my supervisor came down and met me for the first time, and we went out together after the day had ended. And early in the conversation I said to him, “What can I do to make your life easier?” And he said, “Pat, what can I do to make your life easier?” And that set the tone that still exists to this day. I almost cried when he said that because that was so different than what I had experienced up to that point. So the collaboration, the way we work together, it’s just absolutely amazing. And not once for a single moment have I second-guessed my decision. And it’s really weird because I’ve now been part of this organization for nearly nine months, and there just has not been one thing that’s occurred where I said, “That’s a disappointment.” It’s just been absolutely amazing every single day. Louis Diamond: Very cool. To me, there’s different arcs of when you want to ask people the question of, “Hey, any regrets?” And usually you don’t want to ask them too soon because they’re still going through the transition and integration and growing pains. And you don’t want to ask them too far in the future because you forget about what was life before. To be this short of a duration into this new partnership and to have these feelings, that’s absolutely pretty special. I got two more questions for you, Pat, if you don’t mind. Patrick Larkin: Sure. Louis Diamond: First one, economically, to me, one of the hardest things for really any advisor to really grapple with or to fully comprehend or make their own is, “I own 100% of the equity in my business. I get to decide when I want to sell in the future. My business is growing 10% per year. I wait to sell until 10 years from now, my business is going to be much bigger and I get to keep all the cash flow. I get to make all the decisions.” That compared to the path that you took, which was take cash off the table, which everyone understands, to, “Now, I own a much smaller piece of a much larger pie.” How would you talk to someone about the financial trade-off between a hundred percent ownership in their business, full control, full discretion over everything, versus becoming a minority equity partner in a larger entity? Patrick Larkin: You have to look at the valuation of my business, again, the day that we opened our doors as Oak Hill Wealth Advisors. There was such a massive jump in the value of the business. There was not going to be an opportunity for an appreciation at that level. So then, you have to compare what the growth rate is of Oak Hill Wealth Advisors versus a Cerity Partners. And I’m not embarrassed to say that Cerity Partners is and has been growing at a much faster rate of return. The value of the equity that I have retained in Cerity Partners, my ownership stake, I fully expect by the time I transact that business as I get closer to retirement, that’s going to be worth many times more than whatever opportunity I would have had at Wells Fargo with the valuation they would have provided me. Nevermind, very important, the tax consequences of a structure like this is all the retiring advisors that I worked with were taxed at their highest marginal rate. I owned a business and we were taxed at long-term capital gains rates. A significant difference in savings in what as the owner we actually realize. So yeah, I feel very comfortable with the ownership that I have and the control and continued opportunity with the meritocracy culture to increase my share of ownership in the company. Louis Diamond: Okay, and let’s do one more question here. I’ll pick it back up. So Pat, I think it’s a really cool perspective. It’s almost do your homework, and if you find the right horse and the right jockey that can run faster than you can on your own, that the equity value will compound and grow and appreciate in a faster, more efficient way than what you’re doing on your own, which makes complete sense. It’s the ultimate trade-off. And again, it’s like jumping into the deep end. On the one hand, Oak Hill was all you, right? You control the growth, for better or worse, for the good days, the bad days, the good years, the bad years, versus now your growth is diversified amongst hundreds of partners across M&A, across different lead flow channels, et cetera. It makes complete sense. But honestly, if I were an advisor, I don’t know how I would think about it. I think it’s all just fact-and-circumstance-based on where I am in my life and who the firm is and what I’m trying to accomplish. But it’s such a cool perspective because usually the playbook that we see, which is why we did this series, is go independent and there’s a long pause until there is a realization of all the value that’s been created. So seeing you do this in a much quicker timeframe, it seems like it was the absolutely right decision. To me, it just is another path, another way that an advisor or a firm is able to think about their future. Any final advice or parting words for someone who is sitting right where you were in 2021 or 2022 thinking about making the leap? And we’ll say a transition in general, or really anything you want to share to wrap our episode here. Patrick Larkin: Thank you for having me, and this is a great question. Happy to give a thoughtful answer to it. Before I’d left Wells Fargo Advisors through the program and started Oak Hill Wealth Advisors, I had an opportunity to go through a due diligence process and make sure that this was going to be a right move for me. There was no carrot out there that was obvious. I learned after that first conversation that I had built a practice that had some value to it. I was leaving behind the security of something I knew, leaving behind a significant amount in deferred compensation, and I wanted to make sure I was making the right decision. And through that due diligence process, talked to about five other firms that had recently left Wells Fargo to join this RIA program. I asked them a lot of different questions about what their experience was. And at every point during those conversations, they all said the same thing at different points. And it sounded like this. They said, “I’m working harder than I ever have before, but I wish I had done this sooner.” So my advice to those people, do it. I know that sounds simple, but I mean it. The fear of leaving is almost always worse than the actual experience of leaving. And I understand the inertia of not leaving and the real apprehension of what was on the other side. But what I found was a version of this profession I genuinely didn’t know was possible. One where I could do things the right way on my terms for the people I care most about serving. And not every path is going to look like mine. Some advisors should go fully independent and stay there, and that can be an incredible life. But when it comes time to look for a partner, quite frankly, if Cerity Partners is not on your shortlist, you’re making a significant mistake. And I say that not to sell anything, but because I’ve lived the comparison firsthand and there’s simply nothing else like it. Louis Diamond: So Pat, it’s been really fun, but I don’t think we’ve had anyone on the eight years or so we’ve been doing this show that’s gone through this type of arc or journey that you have. One of my big takeaways or sticking points that this episode brought for me is by going independent and taking control over your future, you created complete optionality for yourself to do exactly what you wanted to do with your business, even if that was different than what you initially planned. So in your case, it was selling within three years of going independent, but by taking action, being proactive, playing some offense, you made the opportunity happen on your terms and your timeline. So this has been fun in so many different ways. I loved your comment about how when you went independent, it’s basically like the day of your IPO, the four-to-five-times increase in value versus an internal succession deal, and even just the way to think about getting equity in a larger entity versus running your own plays only. So thank you so much for doing this. This has been fun. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibility seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firm’s or could a better option exist? Should I Stay or Should I Go? Is a book written with you in mind? It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook.   Build, Grow & Transact: From Breakaway to Transaction in 3 Years A conversation with Louis Diamond and Patrick Larkin, Partner & Practice Leader at Cerity Partners.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Build, Grow & Transact: From Breakaway to Transaction in 3 Years. It’s a conversation with Patrick Larkin, Partner and Practice Leader at Cerity Partners. I’m Louis Diamond, and this is The Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education-driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning, data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: Ownership as a way of creating opportunities you can’t always predict. That’s exactly why we created our Build, Grow, and Transact series. Independence isn’t the end of the story. It’s often the beginning of thinking differently about enterprise value, optionality, and what comes next. Today’s guest is Patrick Larkin, Partner and Practice Leader at Cerity Partners, and formerly the founder of Oak Hill Wealth Advisors. Patrick spent nearly 15 years building a successful practice at A.G. Edwards, Wachovia, and eventually Wells Fargo before launching his own independent firm in 2022. Just three years later, he merged that firm into Cerity. At first glance, that timeline might seem surprisingly short, but as you’ll hear, the merger wasn’t a change in direction. It was the result of seeing his business differently once he owned it. Yet, it’s this perspective that really brings that thought home. Patrick said the day Oak Hill launched felt like the business had gone public because overnight, what had been viewed as a book of business became an enterprise with substantially greater value, some four to five times the value of what it was worth at Wells. And that realization changed the way he invested, the way he hired, and ultimately the way he thought about the future. Pat and I also talk about something advisors don’t often discuss candidly, what life actually looks like after a merger. How much control do you give up? What changes day to day? How do you know whether you’re joining a partner or simply selling a business? Whether your long-term plan is to remain independent forever or eventually join a larger organization, Patrick’s experience is a reminder that ownership isn’t simply about control. It’s about creating optionality and putting yourself in a position where the next decision is yours to make. So let’s get to it. Patrick, thanks for coming on our show today. Patrick Larkin: Oh, my pleasure. Nice to meet you, Louis. Louis Diamond: You too. So let’s start off basically how we start every interview. Tell us about yourself, your background, and how you found your way into our industry in the first place. Patrick Larkin: Yeah, thank you for asking. I knew I always wanted to be a financial advisor. That part really wasn’t in question, but upon graduating college and being a 22-year-old, I knew that it was probably not practical to walk in and start advising people my parents’ age with their life savings. Probably wasn’t going to be a recipe for success. So I took a quick tour through the pharmaceutical industry first, which ended up being unexpectedly valuable. My employers there pushed me to think like an entrepreneur and within our territories. And honestly, that mindset never left me. It shaped how I built everything that came after. Eventually, an opportunity presented itself in Loudoun County, Virginia in Northern Virginia, and I became an FA trainee with A.G. Edwards, absolutely fantastic firm to start my career. Now, what drew me to this career was pretty simple. I felt like it was one of the professions that we had an opportunity to do so much good for others while simultaneously also doing well for yourself, and those two things aren’t in conflict. I also really loved the idea that in this profession there was no hiding. You don’t get paid to show up. You get paid for what you actually do. And perhaps for me, what was most important, I loved the weight of responsibility. I loved earning people’s trust. I loved the idea of deserving, being deserving of their trust, and being a steward of what they’ve worked a lifetime to build. I never took that lightly, and I still don’t. Louis Diamond: That’s amazing. Yeah, I mean, the number of people I’ve heard, you talked so fondly about A.G. Edwards and there’s a bunch of other firms that have since been absorbed or emerged that are like the regional firms of old. So not surprised to hear you loved it. A.G. Edwards, obviously, became Wells Fargo Advisors or was acquired or merged with Wells Fargo. So I know you’re at Wells and A.G. Edwards until 2022. So give us a quick version. How’d you build your practice from the pharma world into being in FA? Patrick Larkin: Yeah, so as I started with A.G. Edwards, I came in at really just the perfect time. It was towards the end of the financial crisis. And I built the business the old-fashioned way with a lot of cold calling and eventually did some dinner seminars, which I can tell you is a very expensive way to learn how to speak in front of a room. But I made some progress, and I was also in a great office, small enough that some of the advisors there would hand off some of the smaller accounts that they weren’t interested in working with, and got an opportunity to get a lot of reps in working with real life clients and individuals. I knew early on I didn’t have enough talent to win on talent alone, so I made up for it and compensated for that with really hard work. The real turning point came for me when A.G. Edwards was first acquired by Wachovia Securities, and that was about five years into my career. And at that point, my branch manager, who was eyeing retirement, asked me to step in as her partner, and that changed everything. We eventually moved over to a Wachovia Securities office, another really great local office in Loudoun County, Virginia. And from that office, I worked on and became a CIMA, a CFP, worked with the clients, built a business through referrals. And I found at that point in my career when I would go to a meeting with Wachovia, eventually Wells Fargo, as a young 30-year-old, I would look around the room often and realize that I was the youngest person in the room. The funny thing was 10 years later, I would go into that same room and I’d look around and I still was the youngest guy in that room. And those demographics in our industry, and when I came into our industry, ultimately led that office that I worked in with Wells Fargo Advisors, I eventually was the recipient and party to five different succession plans- Louis Diamond: Wow. Patrick Larkin: … at Wells Fargo Advisors. I hoped that I had built a reputation as somebody that these other advisors would entrust with their clients. And over that time period, really, I would say professionally, one of my accomplishments I’m most proud of is all five of those retired advisors that I used to work with, who had an opportunity to see me work with clients, all became clients of mine, I still continue to work with. And it’s professionally just one of the greatest honors that I’ve ever had. Louis Diamond: I mean, that’s a large number of advisors you helped sunset, but I would agree it’s the ultimate p

How did the U.S. Postal Service help build the American West? In this episode of Mailin' It, USPS Historian Steve Kochersperger takes us on a journey through 250 years of postal history, revealing how the movement of the mail helped shape the nation's growth, transportation systems, commerce, and even criminal investigations. You'll hear incredible stories about: How postal workers secretly transported mail aboard early railroads. The challenges of delivering mail during the California Gold Rush. How express mail companies evolved into financial institutions like Wells Fargo and American Express. The truth behind the Pony Express and why it lasted only 18 months. The innovative "mail on the fly" system that kept trains moving while exchanging mail at full speed. The secretive "Silk Train" that transported millions in gold across the country. The deadly Tunnel 13 train robbery and the groundbreaking forensic investigation that followed. Why damaged mail is still delivered today—and the fascinating history of "crash covers." Plus, stick around for a fun "Did You Know?" segment about the one-of-a-kind Texarkana Post Office, where you can stand in both Texas and Arkansas at the same time. Join us for an unforgettable look at the people, innovations, and remarkable moments that helped the Postal Service connect—and protect—a growing nation. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dr. Fei-Fei Li, PhD, is a professor of computer science at Stanford University and a pioneer and expert in artificial intelligence (AI). We discuss how AI can be used safely and effectively to extend human capabilities – not just to search for information but specifically to increase human intelligence and creativity. We also discuss how humans collaborating with AI and robots stand to positively transform human health and one's experience of life. And we cover what makes AI fundamentally different from human cognition, and why your intuition and unique experiences are not replicable by AI or machines. Both AI enthusiasts and skeptics are sure to benefit from the information and tools Dr. Fei-Fei Li shares in this episode. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman David: https://davidprotein.com/huberman Lingo: https://hellolingo.com/huberman LMNT: https://drinklmnt.com/huberman Wealthfront*: https://wealthfront.com/huberman Timestamps (00:00:00) Fei-Fei Li (00:03:46) Vision & Intelligence; Human Vision & Contribution to AI (00:12:11) Computer Vision & the AI Revolution (00:18:34) Sponsors: Lingo & Wealthfront (00:21:19) Speech, Sound & AI Development (00:23:36) AI & Contextual Learning, Human Intelligence (00:33:43) Current AI Gaps, Emotion & Creativity (00:45:48) Computers Enhancing Humanity; Tool: Personal Agency & Learning about AI (00:53:04) Sponsors: AG1 & LMNT (00:55:37) Public Discourse about AI (00:57:34) AI to Enhance Scientific Discovery & Healthcare; Human Collaboration (01:07:38) Intuition, Motivation & Human States Beyond AI (01:19:18) Sponsor: David (01:20:37) Social & Ethical Considerations for AI (01:27:38) Kids, Development & AI Tools; Tool: Prompt AI Effectively (01:35:04) Next Frontier for Robotics & AI; Human Agency (01:43:52) Human-Centered AI Future (01:50:10) World Labs, Spatial Intelligence (01:54:12) Concerns about AI & Creativity; Movies, Art, Storytelling (01:59:51) Younger Generation & AI, Teachers (02:05:38) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter *This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Andrew Huberman receives cash compensation from Wealthfront Brokerage for paid testimonials in his podcast, creating a conflict of interest. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. If eligible for the overall boosted rate of 4.05% offered in connection with this promo, your boosted rate is also subject to change if the base rate decreases during the 3 month promo period. Additional terms and conditions apply, which can be found on Wealthfront.com/Huberman. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Securities investments: not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

We've optimized nearly every part of modern life. So why does it feel like we're missing the experience of actually living it? In The Small Stuff, Ian Bogost argues that our obsession with happiness, productivity, and efficiency has stripped everyday life of something essential: gratification, the immediate pleasure of physically engaging with the world around us. Today, he makes the case for rediscovering the sensory delights hiding in the life you already lead.

In this episode, Lex chats with Srini Krish — Co-Head of Financial Solutions at Fiserv, one of the original fintechs, in business for nearly five decades and sitting at the intersection of commerce and banking. Lex and Srini discuss how Fiserv acts as the technology backbone for 5,000+ US banks and credit unions that lack the wherewithal to match JPMorgan or Wells Fargo on their own, and how the firm is packaging AI into that distribution layer through Agent OS and partnerships with OpenAI and Anthropic. Srini lays out his four-bucket framework for enterprise AI - better client service, internal productivity, AI embedded in products, and a platform banks can use to build their own agents - and explains why money demands deterministic outcomes rather than probabilistic guesses, keeping a human in the middle as commercial loan underwriting compresses from weeks to hours. They explore the competitive race against challengers like Mercury and Ramp, the mainframe that has outlived thirty years of obituaries, and where power sits between the AI labs and their distribution channels once inference commoditizes. NOTABLE DISCUSSION POINTS: MIPS became tokens. Srini frames the whole AI shift through continuity: engineers once measured effectiveness by MIPS consumed and how often they compiled code; today the metric is token consumption. Same discipline of doing more with minimal resource, thirty years apart. Money forces determinism. Probabilistic outputs are fine for many tasks but unacceptable for balances - a figure 1% or 5% off is a failure, it has to be right every time. So Fiserv's Agent OS rollout starts with non-real-time, human-in-the-middle use cases and only graduates toward autonomy and eventually customer-built agents. It's a crawl-walk-run path, and Fiserv says it's clearly still crawling. The moat is distribution, not model access. Fiserv's 5,000+ banks and credit unions can't engage OpenAI or Anthropic directly at scale, so Fiserv becomes the platform that packages agentic workflows - turning commercial loan decisions from a multi-week process into hours, with the auditability and observability those institutions could never build alone. TOPICS Fintech, Fiserv, EmbeddedFinance, AgenticAI, EnterpriseAI, Banking, Payments, DigitalBanking, CommunityBanks, FinancialInfrastructure, AIAgents, OpenAI, Anthropic, ClaudeCode, JPMorganChase, FirstData, Mercury, Ramp, Plaid   ABOUT THE FINTECH BLUEPRINT

In this week's episode of WSJ's Take On the Week, co-hosts Miriam Gottfried and Telis Demos dig into the shifting sentiment away from AI stocks and the pivot into consumer sectors. Are we heading into a new business-led economy, or will it continue to be a consumer-led economy?  Before that, the hosts analyze the fallout from SpaceX earnings report and break down the evolving appetite for potential future IPOs for companies like OpenAI or Anthropic. They also set the stage for earnings reports coming out later this month from companies like Home Depot, Target and Lowe's.  Plus, Wells Fargo's Chief Equity Strategist Ohsung Kwon joins the show to break down the massive, overlooked impact of tariff refunds on consumer staples earnings. He also explains why the cycle of capital expenditures in AI is acting as a vital engine for the broader U.S. economy, and why AI job replacement fears may be significantly overstated. This is WSJ's Take On the Week where co-hosts Telis Demos, writer for WSJ's Heard on the Street, and Miriam Gottfried, WSJ's investing and wealth management reporter, cut through the noise and dive into markets, the economy and finance—the big trades, key players and business news ahead. Have an idea for a future guest or episode? How can we better help you take on the week? We'd love to hear from you. Email the show at takeontheweek@wsj.com. To watch the video version of this episode, visit our WSJ Podcasts YouTube channel or the video page of WSJ.com Further Reading Wall Street Thinks It Knows How Tech Giants Will Make AI Pay   SpaceX Needs to Make Its Bigger Rockets Work   For more coverage of the markets and your investments, head to WSJ.com, WSJ's Heard on The Street Column, and WSJ's Live Markets blog. Sign up for the WSJ's free Markets A.M. newsletter.  Follow Miriam Gottfried here and Telis Demos here.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jay Abbasi was the guest on this episode of Success Profiles Radio. He is a global speaker, TEDx speaker, coach, and former Tesla leader who empowers leaders and teams to thrive under pressure while protecting their energy and well-being. He led national training programs for over 1,000 employees at Tesla and also worked with professionals at Google, Amazon, TikTok, Wells Fargo, and more. We discussed what it was like working at Tesla, how losing his dad changed the trajectory of his career, building culture and high performing teams, and his formula for managing your energy to avoid burnout. In addition, we talked about what pressure can teach us about ourselves, why resilience can be hard, how to navigate through difficult challenges, and the difference between pushing through adversity and adapting to it. Finally, we discussed how elite leaders operate at their peak, why being liked isn't important to high-level leaders, creating our best day, his journey to the TEDx stage, and making decisions quickly. You can listen and follow the show on Apple Podcasts/iTunes, Spotify, Audible, Amazon, iHeart Radio, and at https://toginet.com/shows/successprofilesradio/ Please leave a 5-star review on iTunes and 5 stars on Spotify. To learn more about Jay, go to https://jayabbasi.me

Matt is joined by Wells Fargo analyst Steven Cahall to make the case for why Disney should exit the streaming business and focus only on producing and licensing its content. Steven digs into why Disney is well-positioned to leave streaming, the strength of its IP, and what Disney CEO Josh D'Amaro had to say about Steven's idea (02:24). Matt finishes the show with another weekend box office prediction for ‘Spider-Man: Brand New Day' (24:13). Host: Matt Belloni Gust: Steven Cahall Producers: Craig Horlbeck, Jessie Lopez, and Stefano Sanchez Theme Song: Devon Renaldo Nominated for 25 Emmy Awards, including OUTSTANDING COMEDY SERIES. This episode is brought to you by Accenture. https://Accenture.com/Spotify Learn more about your ad choices. Visit podcastchoices.com/adchoices

We live in a world that worships talent, a world that cheers natural athletes, exalts child prodigies, and venerates virtuosos. But admiring people who are blessed with innate abilities can lead us to underestimate the range of skills that we can learn and how good we can become. As Adam Grant explains in his new book, “Hidden Potential,” growth is not about the genius you possess — it's about the character you develop. Adam joins us today to talk about developing the character skills, motivational tools, and learning systems that can help ordinary people achieve extraordinary things. This episode first aired in October 2023.

Mike de Vere runs Zest AI, a company that has been applying machine learning to credit underwriting for over two decades, starting with some of the largest banks on the planet and now serving a large share of the credit union market. Since his last appearance on the show three years ago, Zest has expanded well past underwriting into fraud detection and portfolio management, tied together by an intelligence layer and a generative AI companion called LuLu. Mike makes a specific argument in this conversation: machine learning still makes the credit decision, generative AI makes the feedback loop faster, and the real advantage available to community financial institutions is a willingness to pool what they know.What We CoveredZest today, from underwriting to fraud to portfolio managementWhy the intelligence layer is what makes an ecosystemStarting with Discover, Citi and Freddie Mac, then moving down marketLuLu, named after a corgi, and what she actually doesSafety and soundness as the first use case for most institutionsReplacing quarterly reports that used to take weeksPeer benchmarking versus building your own data lakeCollective intelligence across 2,000 credit models in productionWhy generative AI has no role in making the credit decisionShrinking model refit cycles from 18 months to daily evaluationZest customers versus non-customers on growth, delinquency and efficiencyCash flow underwriting, and why generic national models failZest Protect and fighting AI-powered fraud with AIThe two objections that come up most in sales conversationsTakeaways from the IQ AI Lending Forum in Santa FeKey TakeawaysThe performance gap is measurable. Comparing Zest customers to non-customers across 2024 and 2025, Mike says his customers grew 16 times faster, ran roughly 20 points lower on delinquency, and were 501 basis points better on efficiency ratio.Generative AI belongs around the credit decision, not inside it. Zest still uses supervised, locked-down machine learning models for underwriting, because a regulator will ask you to explain the decision. What generative AI changes is the speed of evaluation, from an 18-month refit cycle to daily.Comparison is where the value sits. A lender looking only at its own data lake has visibility on itself and nothing else. LuLu is built to normalize performance data across institutions so a chief lending officer's instinct can be checked against thousands of real policy instances rather than one career's worth of experience.Community lenders have a structural advantage they underuse. The credit union industry holds roughly $2.4 trillion in assets. If it acted as one institution, it would be bigger than Wells Fargo, and unlike the big banks these institutions are actually willing to share.About Mike de VereMike de Vere is the CEO of Zest AI, the AI lending technology company that has been doing machine learning in credit since well before AI became a standard fintech conference track. He came to Zest from a career in data and consumer insights, with leadership roles at J.D. Power, The Harris Poll and Nielsen. Zest now touches $5.6 trillion in assets under management, and by the end of this year expects one in three credit union members to have their consumer loans decisioned with its technology.Connect with Fintech One-on-One:Tweet me @PeterRentonConnect with me on LinkedInFind previous Fintech One-on-One episodes

Following earnings, Wells Fargo raised its price target for Eli Lilly (LLY) to $1330. Kevin Horner looks at the past 90 trading days and sees a "well defined uptrend" in LLY's chart. He notes a range between $1095 to $1235 with shares clearing the $1110 level as prior resistance. He believes that could act as a new support level for traders to monitor.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

When pressure becomes constant, resilience can start to look a lot like suffering in silence.Employees are told to adapt, stay positive and keep moving, while the conditions driving burnout often remain untouched. For HR leaders, the challenge is not simply helping people manage stress. It is creating workplaces where people can stay clear, connected and capable even when the demands are high.In this episode, Naomi Titleman Colla speaks with Jay Abbasi about why resilience is not built by asking people to push harder. They explore how safety, focus and meaningful connection shape performance, why people struggle to access their best thinking when they feel threatened, and what emotionally intelligent leadership looks like in practice.The conversation also offers a practical challenge for leaders: notice what is driving your own behaviour before attempting to understand someone else's. From regulating before reacting to sharing vulnerability without becoming the victim of the situation, this episode offers grounded ways to lead more effectively under pressure.About Our GuestJay Abbasi is a global keynote and TEDx speaker, coach and former Tesla leader who helps professionals perform under pressure without burning out. After leading national training programs for more than 1,000 Tesla employees, he has coached leaders at organizations including Google, Amazon, TikTok and Wells Fargo.Stay Connected with foHRsightTo sign up for our monthly newsletter, foHRsight, click HERE Follow us on LinkedIn:Mark EdgarNaomi Titleman Collafuture foHRward Follow us on InstagramIf you are looking for more foHRsight, sign up for our monthly foHRsight newsletter. It's free and includes access to our quarterly white paper. This quarter's white paper is about Rethinking Entry-Level work in the Age of AI, produced with Dr. Miranda Rodak from Indiana University's Kelley school of business - an important topic for HR, Leadership and parents, students and society as a whole! https://www.futurefohrward.com/subscribeSupport the show

Despite Trump's promise to make the U.S. “the crypto capital of the planet,” a foundational bill establishing road rules remains seven votes short in the Senate with days left before the recess.~This episode is sponsored by Uphold~Uphold Exa Credit Card ➜ https://bit.ly/UpholdExa00:00 intro00:10 Sponsor: Uphold01:00 Countdown01:15 Odds collapse01:45 Reason why Thune hasn't filed yet02:20 Lummis scaring Dems03:00 Lummis: no one's leaving.. We're getting a vote04:15 Rep. Senators staying because they need a win06:15 Warren needs to sit down06:30 WSJ fud06:45 Why are we fact checking this stupid article?07:00 Wells Fargo too late08:00 Crypto is coming for your 401k?08:30 Jim Cramer sells BTC and ETH10:00 Tom Lee: Analyst underpricing HOOD after CLARITY11:00 $HOOD chart11:20 Tom Lee: HOOD 100x13:10 Tom Lee: RWA won't explode like you think14:40 Uniswap deploying...14:50 Hayden hint15:15 Matt Hougan: easiest trade in crypto16:15 UNI chart16:45 Phong Le funds Trump Accounts17:00 STRC coming back?17:30 Tariff rebates going to companies18:00 Republican tariff nightmare20:00 Iran deal finalized?20:50 S&P new high21:45 Michael Burry calls top23:30 Sideline money#Crypto #Bitcoin #ethereum~CLARITY Act's FINAL 48 Hours!

Plus: Wells Fargo plans to roll out tokenized deposit service for corporate clients. And Anduril considers shipyard investment to build drone boats. Imani Moise hosts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This big bank CEO has Cramer confident the company is ‘firing on all cylinders'. Become an Investing Club member to go behind the scenes with Jim Cramer and Jeff Marks every day as they talk candidly about the market's biggest headlines, analyst calls and holdings in the Charitable Trust – and see up close how they decide when, and if, to take action on stocks. Sign up here:  cnbc.com/morningtake   CNBC Investing Club Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The shift toward independence in wealth management is accelerating. More financial advisors recognize that owning and scaling a practice on their own terms offers something a traditional employee model cannot: genuine enterprise value. Yet many advisors still measure success by annual income alone, leaving millions of dollars on the table when the time comes to transition, sell, or pass on their business. The question is no longer whether to think like a business owner. It is how to start. In this episode of the InvestmentNews podcast, host Bruce Kelly sits down with Jeff Brown, Independent Solutions Platform Growth Director at Wells Fargo Wealth and Investment Management, to unpack what enterprise value actually means for financial advisors and how to build it intentionally. Brown brings a rare perspective: he returned to Wells Fargo Advisors in 2025 after having grown a firm to $400 million in advisory assets, and now helps advisors achieve the same trajectory from within. The conversation covers Wells Fargo Advisors' multichannel model including not only traditional wirehouse options but also the independent options available with Wells Fargo Advisors Financial Network (FiNet), and why the ability to move between channels without changing client account numbers is a game changer for advisors weighing their next move. Tune it to learn that: • Enterprise value is measured as a multiple of top-line revenue or EBITDA and can reach 4 to 5 times revenue or 12 to 15 times bottom line when advisors check the right boxes. • Some of the highest-impact moves a founder can make in transitioning into being a true business owner or CEO • Wells Fargo's supported independence model with FiNet could effectively double the enterprise value multiple compared to a traditional employee arrangement. • Building next-gen leadership, systematizing processes, centralizing investment management, and creating consistent lead flow & marketing practices are the structural moves that drive long-term firm value. • Wells Fargo's forthcoming RIA Solutions platform will allow advisors to go fully independent with multiple custodians while keeping existing client account numbers intact. Every advisor will have an exit, planned or otherwise. Tune in now and start building a practice worth more than the income it generates.

We've spent the last few years watching AI transform the digital world. Now it's coming for the physical one. Humanoid robots are leaving the lab and entering homes, factories, and workplaces. But are we witnessing another ChatGPT moment, or are these machines still years away from becoming truly useful? Journalist Stephen Witt has spent months inside the world's leading robotics companies to find out, and what he discovered surprised him. Check out Stephen's article "Are Humanoid Robots Ready to Be Deployed?" and his previous appearance on this show. ***

Boeing (BA) shares take flight after a double upgrade from BNP Paribas while eBay (EBAY) fades following a downgrade from Wells Fargo. Jenny Horne and Alex Coffey take a look at the Big Board to break down the fundamental picture behind both stocks heading in opposite directions in midday trading.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Of all commercial real estate investors, only 3% are women – and when Beth Azor learned that stat, she decided to frickin' change it. In this episode, Erin sits down with the woman affectionately known as The Canvassing Queen®: founder and CEO of Azor Advisory Services, owner of three Florida shopping centers valued at over $75 million, and founder of the Women's Real Estate Investment Summit, where Erin has had the joy of speaking – and riding the famous four-hour bus tour of the town Beth practically owns. Beth's story starts with an $11,000-a-year nonprofit salary and a real estate license she'd had since age 18. It took a boss literally marching her to a bank to co-sign a $50,000 note – on the condition she invest 20% of every commission from then on – to turn a high-earning spender into an investor. Eight LP deals later, she went out on her own as a GP, and today she's the co-GP of a $32 million asset she waited thirteen years to buy. Yes, thirteen. That story alone (Mr. G, the quarterly "no," and the pivot to pure relationship-building) is worth the listen – and so is the one about crashing a utility company's remote HQ with cupcakes. Whether you've never heard the terms LP and GP or you're ready to raise capital for your first deal, Beth breaks the path down into steps any woman can start this week: pick an asset class, find an expert, invest passively first, and watch how it's done. Because as Beth's community proves – 68 women stood up at this year's summit having invested with someone in the room – you don't have to do it alone. Listen in as Erin and Beth discuss: The boss who called her "a freaking idiot" (with love), co-signed her first $50K investment, and made her bank 20% of every commission The stat that lit the fire: only 3% of commercial real estate investors are women – and most inherited it or signed on a husband's guarantee Why "we don't know any other women doing it" is the real barrier – and how the Women's Real Estate Investment Summit is dismantling it LP vs. GP, explained in plain English: preferred returns, refinances, and why LPs end up "playing with house money" Beth's starting playbook: pick your asset class, find an expert, LP first, and watch the GP How GPs raise capital – including the empty Wells Fargo bank deal where Beth raised $3.2M from 22 people in four days Beth's non-negotiable: never invest with a GP who has no skin in the game The 13-year Mr. G story: how persistence plus genuine relationship turned "no, click" into co-GP of a $32M asset The cupcake story: how a Friday-afternoon delivery did what eight men yelling couldn't Women Investor Wednesdays, the March 2027 summit, and how to get in the room About Affectionately known as The Canvassing Queen®, Beth Azor is the founder and CEO of Azor Advisory Services (AAS), a leading commercial real estate advisory and investment firm based in Davie, Florida. As its principal, Beth currently owns and manages three shopping centers in Florida valued at over $75M. She travels the U.S. consulting with, brokering deals for, and training associates in the commercial real estate industry, with clients including Phillips Edison & Co., Brixmor Properties, The Shopping Center Group, Urban Edge Development, DLC Management Group, and Bedrock. Beth is the author of Don't Say No for the Prospect (2019) and The Retail Leasing Playbook (2020), the founder of the Women's Real Estate Investment Summit – on a mission to get more women investing in real estate and growing their families' wealth – and co-founder of the South Florida Independent Retailer Awards®. Her newly created AI bot "Ask Beth" is a compilation of her 900 YouTube videos and 300 podcast episodes. A graduate of FSU, Beth is founder and past Chairwoman of the FSU Real Estate Foundation, past President of HOPE Outreach Center in Davie, and co-founder of 100+ Women Who Care in South Florida. She is a single mom to a superhero movie podcaster and an aspiring pro golfer – and she recently walked 250 miles of the Camino de Santiago across Spain. How to Connect With Beth Azor Website: https://www.bethazor.com LinkedIn: https://www.linkedin.com/in/bethazor/ Facebook: https://www.facebook.com/azoradvisoryservices Instagram: https://www.instagram.com/bethazor/  Recommended Resources Women's Real Estate Investment Summit – March 3 – 5, 2027, registration opens September; only ~60 of 250 seats left: https://thewomeninvestmentsummit.com/  Women Investor Wednesday podcast – Beth interviews a woman investor every Wednesday (want to be a guest? She wants startup stories, even your first VRBO): https://www.bethazor.com/beths-podcasts/ Don't Say No for the Prospect by Beth Azor: https://www.bethazor.com/product/dont-say-no-for-the-prospect-how-1-went-from-a-sales-rookie-to-a-retail-leasing-rockstar/ The Retail Leasing Playbook by Beth Azor: https://www.amazon.com/Retail-Leasing-Playbook-Beth-Ratzan/dp/0578224208 "Ask Beth" AI bot – 900 videos and 300 podcast episodes' worth of answers: https://www.bethazor.com Happiness & Fulfillment Assessment: https://pursuingfreedom.com/happiness Pursuing Freedom Collective: https://pursuingfreedom.com/collective Get a copy of Pursuing Freedom on Amazon: https://amzn.to/46o7m7z Subscribe to the Pursuing Freedom podcast on Apple Podcasts or Spotify for weekly inspiration and strategies.

Getting paid to eat at restaurants, tour apartments, and run your car through the wash 20 times in an afternoon? That's mystery shopping — a $2 billion industry most people have never heard of. Mercedes Eckert has been doing it for 13 years and has helped over 25,000 shoppers get started through her company, iShopAGP.com. Her personal best: $600 in a single day without getting out of the car.  She also runs ShopQuest, a free site where you can browse mystery shopper jobs in your city. Tune into Episode 752 of the Side Hustle Show to learn: how mystery shoppers actually get paid how to stack jobs together into a $600 day the common scams to watch out for Full Show Notes: $500/week as a Mystery Shopper New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gusto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 3 months free of the leading payroll, benefits, and HR provider for modern small businesses! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealthfront⁠⁠⁠⁠⁠ — Start earning up to 4.30% variable APY today! Terms and conditions apply. ⁠⁠⁠⁠⁠Monarch⁠⁠⁠⁠⁠ — Get an extended 30-day free trial! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Wealthfront Disclaimer This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Nicholas Loper and Side Hustle Show podcast (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠⁠⁠⁠wealthfront.com/promo-terms⁠⁠⁠⁠⁠. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC.  Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser.

Ali Horriyat is working to bring more compassion to the world. He is a former hedge fund owner who sold his $3 billion dollar fund to go all in on mental health and compassion. He is the founder of Compassiviste, a global network of humanitarian projects and philanthropic networks. He is also the author of 13 books on a wide range of topics, including poetry and personal essays. Ali joined host Robert Glazer to talk about giving up on his finance career, rededicating his life to mental health and wellness, and much more. Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠masterclass.com/elevate⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠ Whatnot: Search "Whatnot" in the app store to download Fanvue: ⁠⁠⁠⁠fanvue.com⁠⁠⁠ Wealthfront: ⁠wealthfront.com/elevate⁠ More about Wealthfront This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Elevate with Robert Glazer podcast (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you ever feel like you've reached an age where you're supposed to have your entire life figured out? In this episode, I sit down with jewelry designer Ann Chikahisa to talk about reinventing yourself at ANY age and becoming more of who you actually are. Ann shares how an unexpected divorce after 22 years of marriage led her to rediscover herself and create meaningful talismans for hope and healing. We also talk about breaking the rules around aging and personal style, embracing imperfection, and getting comfortable being uncomfortable. Get ready to trust who you're becoming and remember there's no expiration date on becoming the woman you want to be. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS 00:00 How to give yourself permission to become the woman you want to be. 03:00 Why wearing what makes you feel powerful can completely change how you show up. 06:30 Ann's styling secret for making the simplest outfit feel extraordinary. 10:00 Why reconnecting with your creativity can lead you to a completely new career path. 15:30 What is a talisman and how can it help you hold an intention? 22:30 The ritual Ann uses to embody strength before doing something that scares her. 27:00 What Wabi Sabi can teach you about embracing imperfection. 29:45 The 3 things Ann wishes she could give her younger self. 31:15 The intentions that helped Ann rebuild her identity after divorce. 35:00 How to stay grounded and flexible when you're navigating a major life transition. 37:00 How to turn an intention or feeling into something that reminds you who you want to be. 41:45 Where to find your best ideas when you need more creativity. 43:00 Why reinvention has no age and your best years can still be ahead of you. 47:30 The mindset that helps you keep growing even when it feels uncomfortable.  RESOURCES Get $25 off your Ann Chikahisa jewelry purchase with code MEANING at checkout HERE! Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Follow Ann: @chikahisastudio Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time: https://wealthfront.com/earnThis experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of Earn Your Happy podcast, Lori Harder (“Media Partner”), is not a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY.Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Fees & Eligibility requirements may apply to certain checking features. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance.

David Rendall has helped many people embrace what makes them unique. He is a leadership professor, non-profit executive, stand-up comedian and keynote speaker to clients such as Microsoft, AT&T, the US Air Force, and more. He is also the author of four books, including The Freak Factor, The Four Factors of Effective Leadership, and Pink Goldfish. In his second appearance on the show, David returns to the Elevate Podcast for a classic episode to discuss his approach to leadership, how leaders can help people embrace and unleash their unique abilities, and much more. Thank you to the sponsors of The Elevate Podcast Shopify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠shopify.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Masterclass: ⁠⁠masterclass.com/elevate⁠⁠ Framer: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠framer.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Indeed: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠indeed.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Northwest Registered Agent: ⁠⁠⁠⁠⁠⁠⁠⁠northwestregisteredagent.com/elevate⁠⁠⁠⁠⁠⁠⁠⁠ Whatnot: Search "Whatnot" in the app store to download Fanvue: ⁠⁠⁠⁠fanvue.com⁠⁠⁠ Wealthfront: ⁠wealthfront.com/elevate⁠ More about Wealthfront This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Elevate with Robert Glazer podcast (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do things feel a little disconnected between team members in your practice? Tiff and Dana discuss the common signs that usually mean your practice could use a communication refresher, and then give advice on what can be done about improvement. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Tiffanie (00:01) Hello, Dental A Team listeners. We are back at you on the podcast slash video cast, which is still really weird to me. I think I spend more time getting prepped and ready for the podcast than I do for coaching calls, which is wildly, wildly annoying. And here we are. I secretly do   wish that we could just be off camera still, but I I know I enjoy watching the podcast and Aaron watches podcasts every morning. So here we are. Dana, you are my favorite podcaster on a Friday. I love ending my week with you. I love beginning my week with you as well. You are an amazing podcaster and just an incredible person. How are you today, Dana?   DAT-Dana (00:44) Doing pretty good. Excited. I know this is a good way to like have a solid Friday. Get some tip time.   Tiffanie (00:50) It is.   DAT-Dana (00:51) Get to get to chat. it is a great way to end   Tiffanie (00:54) Yeah.   DAT-Dana (00:54) the week.   Tiffanie (00:55) I agree. I agree. And I I was excited because I forgot what the schedule I look at my schedule a million times. This week has been weird. and I look at it a million times, a million times. I even put podcasting in a different color on my calendar so that I know that it's like it's coming. And then this morning I was like, Happy surprise podcasting today. Like two hours ago, I was like, my gosh, this is wild tough. I just can't get it together this week. But alas, I think it's because Brody's birthday threw me off.   He turned eighteen and that has been spinning my world. So here we are, Dana. You have littles at home. It's summer right now and at the point of recording this, we all have we all have some sort of children at home on some level. And how are how's your summer over there going with the with the clan? You have a whole clan.   DAT-Dana (01:44) Yeah, it's going good. It's it's super busy.   Tiffanie (01:48) Yeah.   DAT-Dana (01:48) I feel like, you know, I get to summertime and I'm like, vacation and relaxation and it never happens.   Tiffanie (01:54) No.   DAT-Dana (01:56) but they're enjoying what downtime they get. They're enjoying, you know, being in sports and and the sunshine. So it's good   Tiffanie (02:03) Good.   DAT-Dana (02:03) overall.   Tiffanie (02:05) Good. And I feel like school comes like school starts back up so fast. Like you think you have time and then it's just summer's gone.   DAT-Dana (02:14) Yeah, I know. I'm like I can't believe it'll be here in like a week, really. Yeah.   Tiffanie (02:17) Literally. I know.   Up here, in Phoenix they started going back to school last week. My nieces already had a week and a half of school.   DAT-Dana (02:24) my gosh, that's   Tiffanie (02:26) I know.   I know. But modified year round, that's what we like to do around here. And I think East Coast, they really don't go back until most of them don't go back until after Labor Day. So then they're like wildly thrown off with the mid July start of school.   DAT-Dana (02:41) Mm. Yep.   Tiffanie (02:42) But here we are. today we are talking about leadership and that's one of our favorite topics. I think Dana, you and I definitely thrive in the leadership world and like communication is really, really massive. I think both of us   thrive on communication in our personal lives as well, and just really, really look for those opportunities to create clarity, create trust, to be vulnerable. and all of those pieces. And today's conversation kind of encompasses all of those, I feel. And it has been coming up for me a couple of times, Dana you and I spoke. You've had it come up a couple of times on coaching calls as well. And really talking about and looking at that transparency space.   between a doctor and a team? And I think you and I have some really phenomenal ideas on this. And first I wanna work through kind of workshop with you backwards. Like what is it that a doctor can maybe find in their lives that says maybe we need a little bit more communication or or this space isn't as evolved as it could be? Like what are some signs and symptoms that you've seen within teams that say, hey, we're not   connected a hundred percent and there's a gap here because I do think Dana a lot of times the team knows and notices, but oftentimes the doctor, like to their credit, they're doing dentistry. They're over there working, they're head down and they don't always realize that there's a gap, but the the team does. So what are some of those signs or symptoms that you've witnessed with your practices recently or previously?   DAT-Dana (04:21) Yeah, I think a couple big ones are when it's hard to delegate. I think to when like expectations aren't met, oftentimes there's a gap in communication there, as well as team members not feeling bought in, right? And   Tiffanie (04:37) Mm.   DAT-Dana (04:38) yet we feel like we're saying all the things, we're explaining all the things, and yet team members don't seem really bought in or really aligned.   with pieces, I think those are three that I notice pretty routinely in offices that there is just either a communication gap, a trust gap, or something, there's a disconnect somewhere.   Tiffanie (04:56) Yeah, I love those. I think that's spot on. And within that like delegation and expectation and maybe even follow through. So maybe you've asked for things and the team's not doing it. you've asked for systems to be put in place and they're just not getting completed, or you see you maybe implemented some systems to get a specific result and we're still not hitting that result. those are huge, Dana. That was that was phenomenal. And   Some of them that I've seen too are like an upset manager, like an easily upset manager or a frantic manager, a frantic front office team. I feel like they get hit with it the hardest when there's a a gap and a disconnect and the like frantic or overwhelmed. I actually was listening to a podcast yesterday that was talking about the idea of like actually listening, of being a good listener. And   one spot that it brought up was this sense of overwhelm where a lot of people will come to us and say, gosh, I'm overwhelmed. There's too much on my plate. And so then what a manager or or an owner will do is say, okay, well let's look at what you got. Let's figure it out. And and I remember I told Kira this actually probably July. So probably like six months ago, I told Kira this. I said, Kira, you can find you and I are phenomenal at finding space in a calendar. We can find   blank space and and time in a calendar for the duties and the things that I'm supposed to get done. Right. And I think managers will say that too. Like, yeah, I can see the time and we'll look at things, Dana, and be like, I think they should be able to do this. So if they can do the things, but they're saying there's an overwhelm, this podcast talked about it's not necessarily always, sometimes it is, an overwhelm of physical tasks, like things that need to get done.   Oftentimes it's an emotional overwhelm that's overriding the tasks that need to get done. And so the the emotional aspect of it and sometimes it's that gap in communication can create this whirlwind sense of not being able to accomplish the thing. So I've seen that a ton in front office team members and managers where they're like, gosh, I can't get to the I can't get to the unscheduled treatment calls.   Because I I don't have time. There's no space. And I'm like, it's it they're not gonna answer. Like, leave a voicemail, send a text. Like ninety-nine point nine percent of the time people aren't answering the phone. So it really doesn't take that much time, but that's not the actual issue. Like, there's a root cause underneath that we have to dig into, and all of those things that you said, Dina, those are the symptoms that something else is going on. And I think usually it's an emotional.   space and a and a communication gap or an emotional distance between two people that causes that.   DAT-Dana (07:53) Yeah, I completely agree with you.   Tiffanie (07:55) And I think even at home, right? Like sometimes we're like, he never takes all the trash, or he never does this. I have to do everything. And it's like maybe we just haven't connected on an emotional level to be able to see the contributions that each of us are making. Like we're so disconnected that everything is then something. And I think that happens I say really all the time. Relationships are relationships, they're just like formed a little bit differently, but your connection and your communication is relatively similar.   So if anyone can see themselves in any of that, a team member, a doctor who's here, or a doctor who might think like, wow, I thought everything was okay, but I do hear the word overwhelm a lot or stressed or tired or I don't have, I don't have, I don't have time, I don't have space, I don't have s a spot to do it in. If you're hearing those things over and over and over again, it might be more of a trust gap and a communication gap.   than an actual physical tasks gap. So I beg of you before jumping to hire a new team member, because Dana, how many times have we witnessed that we must need someone else? And I'm like, you've got 16 people for a   DAT-Dana (09:08) Right.   Tiffanie (09:08) four op practice. You're fine. Or how   DAT-Dana (09:11) Yeah.   Tiffanie (09:11) many virtual assistants do you need? Before we jump to hiring a new person, number one, take a look at the space that you have. Dana and I have countless times.   talked through an org chart and an ops manual and all those pieces. We talk about those all the time because they work. So take a look at the space that you have, like what you're trying to create, what your practice is. What is the organizational chart? How who do you need physically? Not the people you already have, but like the seats. What are the seats that you need in your practice to be successful? Because if all those seats are filled, now we need to take a step back and say, okay, great, why isn't this working? And   If they're not filled, awesome, let's hire. But if they are filled, now it's just working reverse engineering backwards. So with that, Dana, how do you think the trust gap, right? Because I I really think communic communication gap is like when there's not communication happening, it's very easy to say we have a communication gap. But really what it boils down to is that without that communication, my trust is broken because I'm trying to figure things out.   DAT-Dana (10:23) Mm-hmm.   Tiffanie (10:23) So   how do you feel are some common areas or ways that that trust gap is created between a doctor and a team?   DAT-Dana (10:33) Mm-hmm. Yeah. I think the first and foremost thing that I see, and I have an office that really, really struggles with this. And it is that like the doctor will announce things or share things before they're   Tiffanie (10:46) Mm.   DAT-Dana (10:47) actually fully 100% in place or going to happen. And then when it doesn't happen, or he changes his mind, or he makes a different decision or pivots down a different path, the team members one feel like whiplash.   Right. And then two, don't always know when to trust the office manager and the doctor in that it is actually going to happen. Right. So when to prep themselves and when to really start to get things into place because oftentimes they've started those pieces and then it just feels like time or work wasted because the decision pivots or changes. And so it's really, really broken down.   Trust in that way because team members, one, aren't really sure if things are really happening. And then two, frustration happens on doctor and leadership when they're like, Why aren't they excited? Why aren't they bought in? Why aren't they ready   Tiffanie (11:32) Yeah.   DAT-Dana (11:33) to go? Why aren't they super motivated? Right. And that's because the team is like, Well, it's changed 35 times. And so we're just kind of waiting until we know for sure because we don't want to feel like we wasted our time, our energy, our effort.   Tiffanie (11:45) Yeah. Yeah. I all I think when that not when I think a lot of times when those things happen, the team muscle memory reverts back to the original way of doing it. So then you've got a billing representative that's sending paper claims because she's like, I know this works, right? Yeah.   DAT-Dana (12:03) Yeah. Yeah.   Tiffanie (12:04) Yeah. And then you've got a doctor that's like, I'm paying AI Yes.   DAT-Dana (12:08) I wanna be super tech savvy and I'm paying AI and we're still sending   paper claims. Yeah.   Tiffanie (12:14) Yes,   and an office manager who's like, Well, I don't know what to tell you, but I've got an overloaded plate of things here 'cause I have people coming in my door constantly crying and saying they're overwhelmed. Yeah. Yeah.   DAT-Dana (12:26) Yeah. Yeah.   Tiffanie (12:28) And I think that's a common thing and I I I know that it's really exciting to like be on the threshold of innovation. And dentistry is constantly innovating.   And within that, we've got you know the scanners and the tech and the AI and the I mean, gosh, like the AI like pearl tools that are reading x-rays and now insurances are starting to use those things like innovation is constant in dentistry. And I think oftentimes what that makes us feel like is that the simple systems that have gotten us here also need to innovate and change. And so we're throwing all of these tech innovations from a back office standpoint now.   into every aspect of the practice, but we're also saying, okay, cool, well if I can do this with a scanner, why can't you do something different with insurance verifications? And it's like, I can't even fathom that. And then they're saying, okay, well, try this, try that, try this, try that, try this. And in dentistry, when you're trying to find a new bond and primer, cool, try it until you find the one that works. But when you're overloaded with like to-dos and   paperwork is what we'll call it, tasks. It's not as easy to try it and see if it works and continue to do that. So that innovative mind tries to cover so much ground that we do end up with so many changes and it's like a pivot constantly. Gosh, Kira and I had we had pivot. I don't remember Dana when it was. You might have been here for pivot. I don't remember. Yeah. Like I don't remember how long ago it was. That was   DAT-Dana (14:04) Yep. Yes. Yeah.   Tiffanie (14:08) the worst year of our   freaking lives in this company. We had pivot as a core value and we use pivot as a core value because we want to be on the threshold of inva innovation and we want to be able to roll with the punches. Like, okay, great, something came up, great. We we figure it out and we move on is what we meant by pivot. But what happened that year, Dana? What did that year look like?   DAT-Dana (14:27) It was chaos because we also used pivot as a reason to be able to like justify lots of change, right?   Tiffanie (14:33) Correct.   Correct. So we just like constant it was like this wheel that it just never ended, right? A wheel just keeps going, keeps going, but on every little tread was a new something. And so every time that tread hit the ground, it was a change, it was a change, it was a change. And I think it's really easy in business, and in entrepreneurship to do that because you are having to create, you know, Wells Fargo and Chase, like   They're they've got innovators on their team, but they're pretty steady eddy of what that business structure needs to look like. When you're an entrepreneur and you're super innovative, it's very easy to get stuck in that like let's jump to the next thing mentality. So again, if you're feeling yourself in this, don't worry, it's not just you, or we wouldn't do an entire podcast about it, by the way. And also there are solutions. And Dana, you've you said you've got   you know, practices you can think of, I think both of us do, because again, it's not just you, it's everyone that go through this. What are some ways that you help your teams and your doctors to bridge that gap when those things come up? Like when we're in this constant state of change and they're like, I'm out, I can't even get excited anymore. How do you help them bridge that gap?   DAT-Dana (15:50) Yeah, I think it is it it is getting them to understand that like while change is really, really great, you have to understand that your team members are who is implementing the change. So be cautious and cognizant of how many things you're changing at once. Be cautious and cognizant that the team feels like, hey, yep, we've got this, we can do it independently, we're good, before we add the next change. So just really keeping a pulse on those pieces. And then two, just really   Making sure that you get to a certain point in your decision making process before you're   Tiffanie (16:25) Yeah.   DAT-Dana (16:25) involving the team. And even your office manager, right? Another breakdown of trust that I see is it's like we either share too much or share too little, right? With the people   who then help us implement or help us guide those decisions. And so I think like figuring out that clarity of what is the right amount to share.   Or when is the right time to share and who those appropriate channels are. So just like you said with the org chart tip, I think as you're   Tiffanie (16:52) Yeah.   DAT-Dana (16:53) building out your org chart, building and knowing like, okay, when it comes to what I need to share, who actually do I need to share certain things with and having clarity amongst you, your leaders, and the people that are on your org chart about those things.   Tiffanie (17:09) Yeah, that's beautiful. And it made me think of just like how much communication you have with those key players in the practice. And a and a couple of dissecting pieces there, Dana. The team and team members who are here doesn't need to know everything. The leadership   team of the practice needs to know.   what they need to know in order to push the needles forward. And as you were talking, I was thinking oftentimes doctors go like a full in it or out of it, right? It's either one or the other. And so they're either oversharing or they're sharing nothing because it's hard to find that happy medium. And something we do with our offices and something we do in our own company is we create those targets. And so when you have those yearly targets, those quarterly rock targets that you're looking at.   we're able to say, does this push us towards our targets or is this a distraction? And Dana, I think after the year of pivot, that's something we implemented and we stuck to because Kira is an idea like machine. She her famous words are, I have an idea. Right. And my famous words are awesome, what is it? Let's go. Right. I don't even need to hear it. And I'm like, yep, let's do it.   And so then the whole company just goes into this spiral. So it needs to be a space of of innovation. So you've got to have be able to have the ideas, but then you need someone, what's where Britt comes into our company really strong?   DAT-Dana (18:41) Hm.   Tiffanie (18:42) Someone in between the heck yes girl and the idea generator that says, hang on a second, is this pushing us forward or is this just a distraction? So they go on like I have doctors that have made them carry notebooks.   For ideas. It's an idea book or an idea board. It's like I've got all of these great ideas, but let's go back to them when the timing is right. So if the timing is right right now for that thing, great, let's add it to our list of to-dos or our changes or updates. Let's do it. Let's figure out how to do it and then implement with the   team when everything's ready to go. Don't implement prior and then we all figure it out together. You guys figure it out, you implement and then you follow through.   And all of those other things stay on that like idea board. If it's not generating what we need it to generate today, it might later. And Dana, I don't know how many times I've I've even gone back to my own boards, but that I've had doctors, I have one doctor in particular that I'm thinking of, and I hope she listens to this and knows exactly who I'm talking about. I know she will, because I bought her the notebook and the special pen and she would carry it around. She had it for years. And sometimes she'd go back to the other pages and be like   I don't even know what these words mean. I don't know what this idea was. So I was like,   DAT-Dana (19:59) Yeah.   Tiffanie (20:01) great. No reason to like try to figure it out, cross it out. If it was that important, it was gonna be that phenomenal and life-changing, you'll think of it again. It'll come back up.   DAT-Dana (20:11) Mm-hmm.   Tiffanie (20:12) And otherwise that idea would have been something that we jumped on, right? So we jump and we change and we jump and we change, but we need to be able to have that space of discussion. So what I have a lot of doctors and office managers do is whether you've got a full leadership team or not.   Doctors and office managers are meeting weekly. I had to do this years ago with my doctor when I was office manager just to keep up with his ideas. And if I didn't catch him before he caught the team, I was   DAT-Dana (20:42) Mm-hmm.   Tiffanie (20:42) in a frenzy, like backtracking, trying to fix things, right? I had people in my office like, why are we doing this? I'm like, I don't even know what you're talking about. I've never heard that before. So I had to catch him and be like, nope, everything funnels here.   We talk here. This is where we talk about project status. This is where I tell you what where I'm at on the projects we've already said yes to. This is where you bring problems, issues, and ideas. Same for me. And we discuss them and we figure out what's being implemented to the team. So again, whether there's like a whole leadership team doing it or not, that trusted person in your practice who's supposed to carry things out is the person that needs to have these conversations. Even as far Dana, I think, as   Hey, in the next five years, I'd love to do a build out. Cool. But like that's not today. So then when you   DAT-Dana (21:28) Mm-hmm.   Tiffanie (21:28) go to the team and you're like, yeah, we're gonna get bigger, some are gonna be like, yes, when? And five years is a long time. And others are gonna be like, I don't want to get any bigger. Peace. You know? Do   DAT-Dana (21:38) Yeah. Yep.   Tiffanie (21:40) you do that too, Dana? With those, I know we do it in our company, but those kind of like office manager and doctor meetings, do th are those working for your practices too?   DAT-Dana (21:49) Yeah, they really are. And I think that it's it's the it's the doctor understanding that and then the office manager really making sure that we follow those lines   Tiffanie (21:57) Yeah.   DAT-Dana (21:57) and and really making sure too that sometimes we mess up, right? We're human and so we we skip over. But then also just teaching the team, hey, if something's brought to you that doesn't come from me, bring it back to me so we can talk about it,   Tiffanie (22:06) Yeah.   DAT-Dana (22:07) we can figure it out. but yeah, I feel like that is such a key tool into not feeling like   Chaotic, when it's not   Tiffanie (22:15) Yeah.   DAT-Dana (22:16) funneled down, when ideas are just thrown out there and we're just changing things and changing things and changing things because we had this idea, but it wasn't actually super important. And so we keep trying to change it and manipulate it to make it be important. When you have those kind of conversations, the chaos and the overwhelm in the office goes down and the trust really starts to increase too.   Tiffanie (22:37) I agree. You said something there. You said, when something comes to you that I didn't bring, bring it to me. That's a huge space. And I think that's a space where managers can work really hard at bridging the trust gap between yourself and the doctor. A lot of managers are afraid to say what needs to be said to their doctors and you lose trust and that doctor loses trust in you too. If you're not willing to say, Hey, I this was brought to my attention.   What are we doing with that? Like what is that? I didn't you didn't come through me, which isn't not everything has to come through me, but I didn't know about it. So what is this? Not being able to not being able to say that, now you've got a huge issue, office managers, massive, because now you have asked your team to funnel to you like a dramatic little tattletale, and you're gonna start going, he did it again. there she goes, in front of your team.   Instead of being like, yeah, let me know, keep me in the loop, and then going and talking to your doctor. Because if you go and talk to your doctor, your doctor's like, shoot, you're right. I didn't follow I didn't follow the lines again. Thank you for bringing it to my attention. Right? That's the trust gap, and that's the second, the second that office managers break that trust and start getting the team to rally against the doctor because they feel slighted or they feel like, he didn't tell me because he doesn't trust me.   No, we didn't tell you because the dental assistant was closer. It doesn't matter. It's not, it's not typically out of spite. It's not typically even thought about. It's this is the person who's the closest proximity to me right now, and I need to say it and get it out. Period. There's no malintent. Yes.   DAT-Dana (24:19) Yeah. Because I'm afraid I'm gonna forget it, or I'm afraid, you know, or I'm so excited about   it. You're right. There's no malice in there. And I love how you said go back, and it's not, it's not you jumped over me, right? You skipped over me. It's hey, I just heard of this thing. This is the first time I'm hearing about it. What's my role in it? Right? Where   Tiffanie (24:38) Yep.   DAT-Dana (24:38) do what what am I supposed to do? What's the plan for   how I'm supposed to get this implemented. Do you've got a time frame? Do you have again, it's just you're kind of coming more from that curiosity of, hey, I heard about something I hadn't heard about before. What's the plan here? Because there is, again, like you said, that's just it's not ever malicious when it comes to those   Tiffanie (24:57) Yeah. Yeah. It's not   DAT-Dana (25:00) types of things.   Tiffanie (25:01) it's not. I like to remind people we're not that important. Our egos tell us the opposite and that everything is about us and that they must be mad at us. Like I they're not thinking about us as much as we are. I'm not that important. So if I can if I can be like Chill, Tiff, you're not that important. As in like they didn't do it to you, just go find out the information. So if you can just come in at like a neutral space of   non-emotional attachment, not thinking that someone was doing something to you, you can get to the bottom line in the answer and start to train the habits that need to be trained. And I think Dana, those are two massive like earlier I was like, what are the action items? Like I think those are the two action items, right? As org chart, make sure that you know the order of operations, like who who talks to who, how do how do things get nailed down to the team and increasing those   office manager and doctor meetings, making sure that you're having those meetings and then office managers increasing your communication back to the doctor. I had to learn this with Kira that I wasn't always reporting back. And I was like, what like yes, I did my job. Like, stop asking me. Stop   DAT-Dana (26:12) Yeah. Yeah.   Tiffanie (26:13) asking me. And so many people say they're just micromanagers, right? Like, okay, yeah, they're micromanagers. And you know what? It's fine.   they have an entire business that they're trying to run. The way that you battle micromanaging is you report back. So   DAT-Dana (26:26) Mm-hmm.   Tiffanie (26:26) guess what? It's fine. This like ideal that the society has come up with about micromanaging, like whatever, we just have to make sure that things are getting done. So delete the term and just say, I need to report back. So org chart, increase your meetings and your one on one meetings or leadership. And still I think even Dana   Even if there's a leadership team, I still think it's very important for the doctor and the manager to meet, even outside of leadership. And   DAT-Dana (26:52) I agree. Yeah.   Tiffanie (26:55) then managers learn how to report back and communicate with your doctors and bridge that gap of trust starting with you. Doctors, your f your last one is if you listen to this without your manager, share it to your manager. I think it might be good for them to hear too. Dana, any parting words or anything you can think of that we missed in those action items that I was really afraid we weren't gonna come up with.   This is how we do it.   DAT-Dana (27:19) No, I honestly   I really loved this one and I think that there's a takeaway for everybody from owner, doctor to to to managers to leadership team to team in this. and these things take time to implement, they take time to incorporate, but truly the change in the trust can be massive.   Tiffanie (27:37) I agree. I agree. All right. So beginning of this podcast, we talked about the ways that you can see that you might have a trust gap. And then we walked you through how to start bridging that gap. There's a lot more to it than what this 30 minute podcast allows for. So reach out, you guys. We are here to help. Hello@TheDentalATeam.com. You can find us on the socials, Dental A Team, all of the places. And as always, leave us a five star review.   if you loved this and want to follow up, let us know as well. Cause again, this does go further than just this. Dana, thank you so much. and everyone we'll catch you next time.  

Last month, I put out a call for listeners to share the most random ways they've made extra money, and the responses did not disappoint! Some side hustles start with a business plan. Others start with a stranger in a parking garage asking if you want to get paid to drink beer. That one actually happened to me in Atlanta. The woman worked for a market research company, and they needed taste-testers for a product that hadn't launched yet. I invited a couple of friends along, and we each made about $75 sampling what turned out to be Miller Chill. Later we lived near a place called the National Food Lab, so I went over and did a few more paid taste-testings. Tune into Episode 751 of the Side Hustle Show to learn: the strangest things listeners have been paid to do how a few of those random gigs turned into real businesses where to find unusual rental and marketplace opportunities Full Show Notes: The Most Random Ways You've Made Extra Money New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gusto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 3 months free of the leading payroll, benefits, and HR provider for modern small businesses! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealthfront⁠⁠⁠⁠ — Start earning up to 4.30% variable APY today! Terms and conditions apply. ⁠⁠⁠⁠Monarch⁠⁠⁠⁠ — Get an extended 30-day free trial! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Wealthfront Disclaimer This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Nicholas Loper and Side Hustle Show podcast (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠⁠⁠wealthfront.com/promo-terms⁠⁠⁠⁠. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC.  Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser.

If you've been feeling stuck, chances are you don't need another small habit or tiny tweak. You need a move that changes who you are. In this Quickie, I'm sharing why the biggest breakthroughs in business and life come from making bold decisions that stretch your identity, expand your capacity, and force you to become the person your future is asking you to be. From writing my first book and giving a TED Talk to hosting events and launching Million Dollar Guest, I'm pulling back the curtain on the moments that completely changed my life. If you're ready to stop playing small, trust your intuition, and create the kind of momentum that transforms your future, this is an episode you'll want to come back to again and again. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS Why small changes rarely create life-changing results. What a "quantum leap" really looks like in business and life. The identity shift required before your biggest breakthrough happens. The bold decisions that completely changed my career. Why your biggest opportunities usually feel uncomfortable at first. How to know when it's time to trust your intuition and go all in. The difference between staying busy and creating real transformation. RESOURCES Turn podcasts into sales! Get my FREE Million Dollar Guest Training: https://milliondollarguest.com/training Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time: https://wealthfront.com/earnThis experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of Earn Your Happy podcast, Lori Harder (“Media Partner”), is not a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY.Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Fees & Eligibility requirements may apply to certain checking features. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance.

Buy a boring business, they said. It'll be easy. It'll be fun. That's the dream Andrea Palacio and her husband chased when they bought a landscaping company. The road got bumpy fast, but they still added around $300,000 in equity value in just a couple of years. Andrea Palacio runs AndreaPalacio.ai, where she helps other business owners put AI to work. But before that, she and her husband lived on a sailboat for 4 years while running an e-commerce business selling pet supplies on Amazon and Shopify. When that business stalled, they sold it and went looking for something new. They landed on a South Florida landscaping company, thinking it would be steady and mostly hands-off. Instead, almost everything went wrong at once. Tune in to Episode 750 of the Side Hustle Show to learn: how Andrea rebuilt after losing most of her team and clients how simple AI tools gave her back 20+ hours a month what buying a business taught her about leadership Full Show Notes: We Bought a “Boring” Business … Then Revenue Tanked New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gusto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 3 months free of the leading payroll, benefits, and HR provider for modern small businesses! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealthfront⁠⁠⁠ — Start earning up to 4.30% variable APY today! Terms and conditions apply. ⁠⁠⁠Monarch⁠⁠⁠ — Get an extended 30-day free trial! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Wealthfront Disclaimer This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Nicholas Loper and Side Hustle Show podcast (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠⁠wealthfront.com/promo-terms⁠⁠⁠. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC.  Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser.

Wednesday, July 22, 2026 Today, RFK Jr pauses a billion dollars in Medicaid to California and Minnesota; Rep. Jamie Raskin is seeking documents related to Jeffrey Epstein's foreign contacts; IRS Chief Frank Bisignano spied on colleagues when he worked at JPMorgan; Trump and the OMB are violating the Impoundment Control Act by ignoring Congressional appropriations; an appeals court has overturned the release order of Mohsen Mahdawi; an appeals court has denied Peter Navarro's bid to overturn his contempt of Congress conviction; and a federal judge says Trump has to hand over his financials in discovery in the BBC libel case; plus Allison delivers your Good News. Thank You, Fast Growing Trees Get 20% off your first purchase  FastGrowingTrees.com/dailybeans The Daily Beans is proud to partner with Miles Taylor and our friends at DEFIANCE.org For a limited time, members of the Daily Beans community can receive a FREE 3-month full membership to DEFIANCE.org and gain access to one of the fastest-growing pro-democracy movements in America. Join here: https://www.defiance.org/beans Join The Daily Beans and give a gift today to ensure The Trevor Project can continue its crucial work in the face of continued challenges. Donate to The Trevor Project - Daily Beans Podcast The Latest Breakdown→ Epstein Survivor Recounts Meeting With Todd Blanche StoriesRFK Jr pauses $1bn Medicaid funding to California and Minnesota Raskin seeks documents into Jeffrey Epstein's foreign contacts - Live Updates - POLITICO IRS Chief Frank Bisignano Spied on Colleagues When He Worked at JPMorgan - WSJ Congress rejected some of Trump's proposed budget cuts. OMB is making them anyway. US appeals court raises prospect of re-arrest of pro-Palestinian advocate Mahdawi | Reuters Judge says Trump must hand over financial records to BBC - POLITICOGood Trouble Check your voter registration status →Vote.orgVoter Registration Deadlines - Vote.org →Help save Texas from Ken Paxton! →Urge Democrats to Oppose and Stop Trump's Crypto Corruption | Indivisible Guide →Defiance.org/beans →Show up for our Libraries - action.ala.org →Stand With Minnesota →ICE List  →iceout.org Good NewsGrassRoots Garden | Food for Lane County – Eugene, Oregon INDIVISIBLE KANSAS CITY sfcva.org dana-goldbergs-southwest-funnyfest Oct 9 -Email Dana@DanaGoldberg.com for sponsorship informationTickets for Dana Goldberg: Outrageous - Sep 23 - Den Theater - Chicago  →Share your Good News & Good Trouble - The Daily Beans →Beans Talk audio -beans-talk.simplecast.com →Email Dana LGBTQ Owned eating establishments in your area - hello@mswmedia.com Subject: “Dana's Project” Subscribe to the MSW YouTube Channel - MSW Media - YouTube Our Donation Links The Trevor Project - trevorproject.org/beans Blue Wave California - https://secure.actblue.com/donate/msw-bwc Donate to Public Citizen - https://citizen.org/beans/ Donate to It Gets Better / The Daily Beans Fundraiser Pathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736 Join Dana and The Daily Beans in support of Human Rights Campaign http://onecau.se/_ekes71National Security Counselors - Donate, ActBlue.com/donate/msw-bwc, WhistleblowerAid.org/beans Dr. Allison Gill - The Breakdown | Allison Gill, Mueller, She Wrote @muellershewrote.com - Bluesky, MSW & The Daily Beans Podcast @muellershewrote - Instagram, MSW Media - YouTube →Federal workers - email AG - fedoath@pm.me Dana Goldberg - Dana is on Patreon! At Dana's Dugout, @dgcomedy - Bluesky, @dgcomedy - IG, Dana Goldberg - Facebook,  DanaGoldberg.com More from MSW Media - Shows - MSW Media, Cleanup On Aisle 45 pod, The Breakdown | Allison Gill Reminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:https://apple.co/3XNx7ckWant to support the show and get it ad-free and early?https://patreon.com/thedailybeanshttps://dailybeans.supercast.com/https://apple.co/3UKzKt0 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do you feel like you built a business for freedom, but somehow became the person everyone depends on for EVERYTHING? In this episode, I sit down with Ashley Thomas to talk about the leadership shifts that help you move from reactive chaos to sustainable success. We break down why discipline and clear expectations create more freedom, the ways poor retention and people-pleasing are costing your business, and why being the "cool boss" without structure creates confusion and resentment on your team. Ashley also shares her Leadership Compass framework for defining your North Star, turning your values into behaviors your team can actually follow, and creating a culture where accountability starts with you. Get ready to become a stronger leader, empower your team to take more ownership, and build the systems and culture that give you more freedom to focus on growing your business. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS 00:00 How to turn a reactive business into an intentional one.05:30 Why discipline and boundaries protect you from constant business fires. 09:15 Why business owners struggle to step into leadership. 12:00 The North Star framework for staying focused on what matters most. 15:15 Strategies for staying disciplined and focused on your bigger goals. 20:45 What your retention numbers reveal about your company culture. 25:00 Why a "no rules" culture can create confusion and resentment. 31:45 Tips for building a strong company culture as your business grows. 34:45 The people-pleasing trap that can hurt your team and leadership. 36:15 The leadership mistakes that could be creating your culture problems. 40:00 The framework for defining who you want to be as a leader. 43:45 Ways to turn your core values into behaviors your team can actually follow. 46:00 What's the difference between talking about your values and actually living them? 49:15 What is sustainable success? 52:00 Strategies for building a leadership team that can make decisions without you. 54:45 Advice for becoming the leader your business needs you to be. RESOURCES DM “GIFT” to Ashley @hbic.sixten on Instagram for a chance to win Ashley Thomas' Leadership Compass, valued at $999! Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Follow Ashley: @hbic.sixten Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time: https://wealthfront.com/earnThis experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of Earn Your Happy podcast, Lori Harder (“Media Partner”), is not a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY.Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Fees & Eligibility requirements may apply to certain checking features. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance.

Your next customers are already out there... you just haven't been showing up where they are. In this episode, Chris and I break down one of the most overlooked sales channels available today and why it has the potential to transform your business without relying on paid ads or chasing the social media algorithm. We share how building trust through long-form conversations creates faster conversions, why borrowing other people's audiences can accelerate your growth, and the mindset shift that helps you stop spreading your efforts across too many marketing strategies. If you're ready to build more authority, attract higher-quality leads, and create a business that grows through trust instead of constant content creation, this episode is for you. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS What a sales channel actually is and why every business needs one. The biggest mistake entrepreneurs make when trying to generate more sales. Why borrowing other people's audiences can outperform building your own. How the "trust transfer" effect helps convert listeners into customers faster. The 3 phases of turning podcast interviews into one of your highest-converting sales channels. Why long-form content builds authority faster than short-form content. How reaching hundreds of thousands of potential customers doesn't have to require a massive ad budget. RESOURCES Register for my FREE Million Dollar Guest Training: https://milliondollarguest.com/training Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time: https://wealthfront.com/earnThis experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of Earn Your Happy podcast, Lori Harder (“Media Partner”), is not a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY.Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Fees & Eligibility requirements may apply to certain checking features. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance.

Do you ever wonder if the thing you're most passionate about could become the business you were meant to build? In this episode, I sit down with Pilates educator and Function Pilates founder Vanessa Kelly to talk about how Pilates can help you move with less pain, strengthen the muscles traditional workouts often miss, improve mobility while building lasting strength, and build a workout routine you'll actually look forward to. We also dive into the biggest misconceptions about Pilates, how to find a workout you'll actually stick with, why slowing down can accelerate your results, and the mindset shifts that helped Vanessa turn her passion into a thriving business. Get ready to rethink the way you move so you can feel stronger, healthier, and more resilient for years to come. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS 00:00 Meet Vanessa Kelly, founder of Function Pilates. 06:00 How do you know when it's time to bet on yourself? 09:30 Why Pilates was the only workout Vanessa actually looked forward to doing. 11:30 What's the difference between classical and contemporary Pilates? 13:30 Why your body was designed to move in more ways than you think. 19:00 Why Pilates is a lifelong investment in your health. 20:30 Why should you do Pilates? 23:00 What do people get wrong about Pilates? 26:00 The unconventional way Vanessa grew her studio with just one reformer. 29:00 The unexpected life event that forced Vanessa to go all in on her business. 31:15 Why your biggest opportunities often come from outgrowing your current role. 38:00 The type of Pilates instructors Vanessa loves to train. 40:30 How teaching others builds confidence you can't get any other way. 43:45 How Pilates retreats help women reconnect with themselves and each other.  48:15 How to train with Vanessa Kelly and become a certified Pilates instructor. RESOURCES Use code LORI100 for $100 OFF the Mallorca, Spain Pilates Retreat HERE! Learn more about Function Pilates HERE! Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow glōci: @getgloci Follow Vanessa: @vanessakellypilates Follow Function Pilates: @functionpilates Earn up to 4.30% APY with Wealthfront's high-yield cash account for a limited time: https://wealthfront.com/earnThis experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The host of Earn Your Happy podcast, Lori Harder (“Media Partner”), is not a client of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their podcast, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the three month 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY.Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Fees & Eligibility requirements may apply to certain checking features. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance.

Dr. Alan Castel, PhD, is a professor of psychology at the University of California, Los Angeles (UCLA) and one of the world's foremost experts on human memory and cognitive aging. We discuss what science actually tells us about how to improve our learning ability and memory at any age. We also discuss how memory works, why all planning and imagination about the future is based on the past, false memories, and how to leverage curiosity, emotion, and self-testing retrieval practice to stamp in memories for the long term. We discuss what "superagers"—people who actually improve their cognitive capacity with age—do differently than everyone else. This episode is for anyone interested in the science of memory and tools to maintain and improve your memory across the lifespan. Thank you to our sponsors AG1: https://drinkag1.com/huberman Wealthfront*: https://wealthfront.com/huberman Helix Sleep: https://helixsleep.com/huberman Function: https://functionhealth.com/huberman Lingo: https://hellolingo.com/huberman Timestamps (00:00:00) Dr. Alan Castel (00:02:41) What Is Memory?, Reconstruction & Metacognition (00:04:49) Mnemonics, Remembering Names & Deeper Learning (00:08:22) The Penny & Apple Logo, Noticing vs Seeing, Learning Through Mistakes (00:10:43) Sponsors: Wealthfront & Helix (00:14:05) Neuroplasticity, Frustration, Curiosity & Mindset (00:17:42) Maintaining vs Learning New Things, Habits, Novelty & Emotional Memory (00:24:28) "Mental Photographs," Photo-Taking & Imagining the Future (00:29:28) Eyewitness Memory, the Ronald Cotton Case, Confidence vs Accuracy (00:35:07) Medium-Term & Prospective Memory, Hotel Fire Exits (00:40:28) Sponsor: AG1 (00:41:47) When Habits Turn Lethal, Aviation & Human Error (00:49:01) Why Memory Changes With Age; Alzheimer's & the Nun Study (00:52:34) Exercise & Hippocampal Volume, Falls & Balance (00:57:14) SuperAgers & Athletes; Regret, Balance & Being Driven (01:12:08) Sponsor: Function (01:13:45) Age Stereotypes, Subjective Age & Positive Age Beliefs (01:20:02) Goals & Plans, Scams; Anterior Midcingulate Cortex & SuperAgers (01:26:23) Culture, Resilience, Blue Zones & COVID (01:29:18) Adversity, the Positivity Effect & Intergenerational Learning (01:36:31) Sponsor: Lingo (01:38:00) Limitations & Purpose; Time, Family & Connection (01:44:58) Deliberately Building Memories; the ABCs of Successful Aging (01:51:02) Following Your Interests; Castel's Path & Older Adults (01:57:16) Mental Simulations, Curiosity Studies & Selectivity (02:01:19) Socioemotional Selectivity Theory; Steve Jobs & Lifespan (02:07:10) The Secret to Successful Aging; State vs Trait Curiosity (02:11:04) Scams & AI Voice Cloning (02:14:31) John Wooden, Wisdom, Love & Balance (02:17:41) Learning Through Mistakes; Does the Brain Get Better With Age? (02:25:00) Conclusion, Better With Age (02:26:00) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures *This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. Andrew Huberman receives cash compensation from Wealthfront Brokerage for paid testimonials in his podcast, creating a conflict of interest. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base APY is 3.30% on cash deposits as of January 30, 2026, is representative, subject to change, and requires no minimum. If eligible for the overall boosted rate of 4.05% offered in connection with this promo, your boosted rate is also subject to change if the base rate decreases during the 3 month promo period. Additional terms and conditions apply, which can be found on Wealthfront.com/Huberman. Funds in the Cash Account are swept to program banks, where it earns the variable APY. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Securities investments: not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Learn more about your ad choices. Visit megaphone.fm/adchoices