Your Wealth & Beyond
The Your Wealth and Beyond podcast was created to empower entrepreneurs and individuals with the insight and information they need to effectively manage and control their personal and professional finances. This is NOT just another podcast about money! We will focus on helping you grow your business, build your personal wealth and find purpose in what matters most. Join Andrew Rafal, the Founder of Bayntree Wealth Advisors, as he interviews leading industry experts and entrepreneurs who not only share their stories of success and failure, but provide actionable financial advice that can be used to get your ‘fiscal house’ in order, so you can take your business and finances to the next level. You Dream. We Plan®
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Into the Storm: Navigating The Entrepreneurial Journey with Ryan Madrid
04/19/2024
Into the Storm: Navigating The Entrepreneurial Journey with Ryan Madrid
Today, I’m talking to Ryan Madrid, co-founder of Bison Ventures and host of the Into The Storm Podcast. After leaving corporate America, he joined VIP Mortgage as the Director of Business Development. Before long he was bringing in one billion in mortgage loan sales on his way to being in the area's top 1% of mortgage lending. In this conversation, Ryan talks about his entrepreneurial journey with deep family roots, how Bison Ventures’ corporate culture has helped them become one of Phoenix’s leading mortgage companies, and the power of building a culture to create great client experiences. Key takeaways: Why incredible customer service is key to weathering tough times in any industry. The advice Ryan’s uncle gave him to help him leave corporate America and find his true calling. How Ryan survived tough personal times, left the corporate world, found his business partner, and got on a new track to success. What differentiates Bison Ventures from other mortgage firms. The humbling business challenges Ryan has faced in the last several years–and how he got through them. Interview Resources Bison Ventures on | | Ryan Madrid on | | Into the Storm Podcast on | | |
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Meditation, Mindfulness and Living with Intention with Elizabeth Winkler
04/05/2024
Meditation, Mindfulness and Living with Intention with Elizabeth Winkler
If you’re growing a business and a family, you’re probably more than a little familiar with moments of chaos. And if you’re listening to this podcast, you probably know how it feels to have too much on your plate and perhaps wondered how to make positive, powerful shifts in the face of big challenges. Today, I’m excited to introduce you to my friend and mentor Elizabeth Winkler. Elizabeth is a Licensed Marriage and Family Therapist and Certified Meditation Teacher, and her work has helped thousands of people all over the world. In today’s episode, we dig into the power of mindfulness, how to start (and stick to) a meditation practice of your own, and how to use these incredible tools to declutter your mind, tap into your superpowers, and approach everything in your life in flow. Key takeaways: What it means to practice mindfulness and live with intention. What stops people from having a meditation practice. How to help unwind the Type-A mind to harness your energy more effectively. Why fear is at the root of your perfectionism–and what to do about it. Why there’s never been a better time to start meditating than right now. Interview Resources Elizabeth Winkler on | | |
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How the 2024 Election Could Impact the Economy, Your Finances, and Your Retirement Savings
03/29/2024
How the 2024 Election Could Impact the Economy, Your Finances, and Your Retirement Savings
For many people, election years bring a lot of stress. That’s especially true in the most recent elections. Media coverage is 24/7, and there are new polls and promises in the headlines, which can cause uncertainty among investors. So today, I’m jumping on the mic with John Gengle, a Financial Advisor at Bayntree Wealth, to discuss what history has taught us about previous election years and what to expect from this one. In our conversation, you’ll hear how changes to which party is in power rarely lead to a significant impact on the economy, how fixed-income investments have been undervalued, and how Congress plays a more critical role in our tax laws and economy than a new President. Key takeaways: What to expect if a Democrat or Republican President is elected. Why campaign promises don’t always lead to sweeping economic changes. The benefits that a divided congress has on economic policy. How fixed income investments have been undervalued in recent years. 🎯 Are You on Track for Retirement? Take Our Free Quiz to Find Out 🚀 Download Your Free Dream Plan Retire Toolkit 📞 Schedule a 15-Minute Call & Start Planning for the Retirement of Your Dreams Music: The Whole World Crashes Down – Astral Orange
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Challenges, Choices, and Triumphs: An Aussie's American Dream in Arizona with Adrian Heyman
03/22/2024
Challenges, Choices, and Triumphs: An Aussie's American Dream in Arizona with Adrian Heyman
Building a successful career in an incredibly competitive real estate market doesn’t happen by accident, especially when your area of expertise is luxury residential real estate. Today’s guest has climbed to the top and is recognized as one of Arizona’s top real estate advisors. As you’ll hear, tremendous success doesn’t happen without developing great partnerships and long-term relationships. Adrian Heyman is a Real Estate Advisor at The Agency, a luxury real estate firm in Scottsdale, AZ. Adrian was The Agency’s top-producing agent from 2018-2021 and reclaimed the title in 2023. In addition to succeeding in Arizona’s real estate markets, he’s also passionate about the Surfrider Foundation and has built a thriving 25-year partnership with his wife. In this conversation, Adrian shares the story of how he came from Australia’s fitness industry to American real estate, how he achieved success in an incredibly competitive industry with a very high failure rate, and what lies ahead in Arizona’s hot luxury real estate market. Key takeaways: How Adrian kept his business growing and his family stable even through brutal market downturns and cross-continental moves. How a huge real estate deal in Paradise Valley in 2017 changed the trajectory of Adrian’s career. The critical mistakes Adrian sees homeowners and agent advisors make that stop them from getting top dollar. How technology has transformed the landscape for home buyers and sellers. Factors that attract high-end homebuyers to the Paradise Valley. Interview Resources Adrian Heyman on | | The Agency on | | | |
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Embracing Authenticity & Fearless Entrepreneurship with Shannon Breen
03/08/2024
Embracing Authenticity & Fearless Entrepreneurship with Shannon Breen
Making the entrepreneurial leap and leaving Corporate America to create your own business is more than a leap of faith. Most new business owners face trials and tribulations along the way. But those who stick with it and believe in themselves can achieve the growth that makes them a success story worth celebrating. Today’s guest is Shannon Breen, and he has a success story that is definitely worth celebrating. Shannon is the Co-CEO and founder of , a digital logistics partner powered by technology and built on trust and transparency. In this conversation, Shannon tells the story of how he fell in love with logistics, the two core components that have led to rapid and exponential business growth, and the power of building a great culture with employees who are empowered to be authentic on social media. Key takeaways What makes the logistics industry so uniquely fragmented and complicated. Why Shannon took the entrepreneurial leap and left corporate America. The importance of trust, transparency and authenticity in a company with a great culture. Why some people can launch their company as a side business, why Shannon needed to go all-in, and why so many entrepreneurs fail to even take the first step. Shannon’s advice on creating a thriving company culture and the benefits of empowering staff to be authentic at home and at work. Interview Resources FreightVana on | | | | Shannon Breen on
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Unlocking the Wealth Mindset to Create the Future You Want with Anne Lester
02/23/2024
Unlocking the Wealth Mindset to Create the Future You Want with Anne Lester
It’s very easy to rack up credit card debt. It’s much more difficult to pay it off and considerably tougher to set yourself up for long-term financial success, to make good long-term decisions, or to avoid falling into classic pitfalls managing debt–especially for younger generations entering the workforce. I’m thrilled to share this conversation with Anne Lester. Anne is a retirement expert, speaker, media commentator, and author of a new book titled How to Save Smart Now for the Future You Want. Anne was the Head of Retirement Solutions for JPMorgan Asset Management for 20 years, where she traveled the country and spoke to tens of thousands of investors. In this episode, Anne shares how she fell in love with the world of finance, why poor financial decisions are often made, and the importance of automating your savings with a 401(k) and creating an emergency savings plan. Key takeaways: How we’re programmed to spend, spend, spend–even when we already have debt we need to pay off and don’t need more stuff. Why we’re so afraid of getting it wrong when it comes to retirement planning–and how doing nothing sets us up for failure most of all. Why now’s a great time to build a robust emergency fund. How to get your credit cards under control, centralized, and easily tracked. How our peers’ luxury spending tricks us into spending more on things we don’t need. Simple things you can do right now to start bringing down your spending. Interview Resources: Anne Lester on | |
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Leveraging the Power of AI and LinkedIn to Grow Your Business with Joe Apfelbaum
02/09/2024
Leveraging the Power of AI and LinkedIn to Grow Your Business with Joe Apfelbaum
Today, I’m joined by Joe Apfelbaum. Spoiler alert! This episode is jam-packed with energy and passion. If you’re interested in how AI, ChatGPT and LinkedIn can be used to its full potential to grow your businesses, this episode is for you.. Joe Apfelbaum is an accomplished author, speaker, Certified Google Trainer, and the Founder and CEO of Ajax Union. Joe is a B2B marketing and LinkedIn Expert who has helped over 1,100 clients with digital marketing and getting the most out of LinkedIn. In our conversation, you’ll hear why Joe believes all business owners should get to know how to use AI to their advantage, as well as the free tool he’s developed to increase your exposure and connections on LinkedIn. Above all else, you’ll also hear how passionate Joe is about why it’s important to show up with energy and enthusiasm and how the first step to making a positive change, personally and professionally, is making the commitment to yourself and finding ways to hold yourself accountable. Key takeaways: The power and rewards of putting yourself out there and being vulnerable and authentic. The importance of leveraging the power of AI in your business so you don’t get left behind. How Joe used ChatGPT and AI to create a course which is used by thousands on LinkedIn. How to communicate effectively and prompt AI to get better responses. How evyAI helped a user increase their LinkedIn profile views by 1800% Why Joe believes that not reaching out to the authors of your favorite books is a huge mistake. Joe’s tips for achieving work/life balance and the importance of prioritizing yourself and your health above anything else. Interview Resources Ajax Union on | | | | Joe Apfelbaum on | | | |
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How Andrew The Home Buyer Became a Household Name with Kyle Wyloge
01/19/2024
How Andrew The Home Buyer Became a Household Name with Kyle Wyloge
Anyone living in Arizona, Nevada, or Utah has likely seen the TV commercials and the billboards for Andrew The Home Buyer. Today, you’ll get a glimpse of the man who created the company that keeps growing year after year. Kyle Wyloge is a serial entrepreneur and the Founder of . After several years of grinding in real estate and building his sales team, he decided to create a TV commercial in 2019. This became a pivotal moment in their growth and marketing strategy with more leads coming to them versus the outbound sales model. Fast forward to today, Kyle has scaled the business to where he could purchase 318 properties last year without speaking to a single seller. In our conversation, you’ll hear how valuable it was to get started before the recession in 2008, how they use CRM to forecast future sales with a scoreboard for sales results in real-time, and why saunas and cold plunges have elevated the culture they’ve built, reduced stress and fosters a healthier and happier lifestyle. Key takeaways: The monumental decision to create a TV commercial as part of their marketing strategy. How their process was streamlined to make selling a home simple for homeowners. How increasing their inbound call answer rate to 94-96% led to more appointments and closed deals. Create the culture you want by listening to feedback and suggestions that incentivizes your team and allows them to thrive. The impact that elections have on the cost of marketing with TV commercials. The incredible results sauna and cold plunges have on reducing stress and building culture within the team. Interview Resources Andrew the Home Buyer on | Kyle Wyloge on | |
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The Importance of Financial Literacy with Vince Shorb
01/05/2024
The Importance of Financial Literacy with Vince Shorb
It’s fair to say that our education system is flawed, but that’s especially true when it comes to educating kids about money. Financial literacy still isn’t being taught in schools no matter how much we talk about it–and what you do learn is the same stuff that was being taught 20 or 30 years ago. Today’s guest, Vince Shorb, is on a mission to change that. He’s the CEO of the National Financial Educators Council. After spending 15 years in financial services, he’s developed over 2500 financial education programs and is empowering students through financial literacy. Vince’s work has been featured in publications on USA Today, CNBC, Yahoo Finance, Forbes, CNN Money, MarketWatch, Fox Business, Huffington Post, NASDAQ, and Business Insider. In today’s episode, we explore why we have this problem with our education system, how families can teach financial literacy before their kids make major mistakes later in life, and why financial education is so much more than management and budgeting. Key Takeaways: Why financial education programs aren’t changing or improving. The mistakes Vince made in his early twenties showed him the need for his life’s work. How to teach young people to shake the influence of advertising and live in alignment with their values. What Vince is doing to take financial education beyond simply knowing how to balance a budget. How moving to a cashless society encourages bad decisions. Interview Resources: National Financial Educators Council on | | Vince Shorb on
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Helping Small Businesses Build a Powerful Marketing Funnel
12/08/2023
Helping Small Businesses Build a Powerful Marketing Funnel
Building online businesses is tough–and closing that first deal can make or break your business. So many of us have been there, but today’s guest found a way through–and he’s here to talk about how he did it. Brian is the co-founder of , a Salesforce partner that helps small businesses automate their processes through the power of Sales Cloud & Pardot. Brian started with Salesforce in his college days, working in sales and eventually becoming an account executive. In today’s episode, we get into how Brian positioned himself, with a unique focus on YouTube, to become an expert in the Salesforce space–and how you can use the same tactics to become an online expert in your field as you grow (or scale) your business. Key takeaways: What Brian learned from Salesforce’s sales-forward corporate culture. How Brian broke through the noise to find his first clients after launching Rotive. How to incorporate YouTube into a marketing funnel to reach prospects. The tools Brian used to help Rotive cultivate authority in his niche. Why a relatively small YouTube channel can still drive extremely high-quality leads–and why Brian has chosen to sell video courses instead of trying to succeed by monetizing his content on YouTube. Interview Resources Rotive on |
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Wild Ride of Serial Entrepreneurship with Travis Rosbach
11/10/2023
Wild Ride of Serial Entrepreneurship with Travis Rosbach
I’m thrilled to share this conversation with a truly remarkable guest, Travis Rosbach. Travis is a serial entrepreneur, author, coach, speaker and consultant. From his humble beginnings, being raised in a home with very little money to the incredible entrepreneurial journey that has included time as a scuba diving instructor to driving yachts and flying planes, he’s come a long way. Among his many accomplishments, Travis is the inventor and founder of Hydro Flask, one of the largest international brands in the industry today. In this episode, you’ll hear what led Travis to pursue his passion in business, the origin story of how Hydro Flask was created, the early challenges they faced (even when business was booming), and why he believes entrepreneurs are the foundation for growth and prosperity in the US. Key takeaways: How a neighbor’s estate sale planted the seed and set him on a path to be a serial entrepreneur. What led Travis to make Hawaii his home after experiencing burnout. Overcoming the challenges of getting Hydro Flask to the production stage. The challenges that are presented when business is skyrocketing with exponential growth. Why Travis ultimately decided to sell Hydro Flask, despite enjoying tremendous success. Where Travis finds motivation today and the types of business opportunities he’s pursuing. Interview Resources Travis Rosbach on | |
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Discovering the Wonders of Ayurvedic Medicine with Dr Meghana Thanki
10/13/2023
Discovering the Wonders of Ayurvedic Medicine with Dr Meghana Thanki
On at least one occasion in your life, you’ve probably heard someone say “Your health is your wealth.” But in practice, what does that really mean? How does holistic health and spirituality impact our wellbeing, and what can we do to live longer, happier lives? </ I’m thrilled to have Dr. Meghana Thanki on the podcast to help answer these questions. Dr. Thanki is a naturopath who specializes in Ayurvedic medicine, a yoga teacher, the owner of Second Nature Clinic, and the author of The Ayurvedic Lens: Magnifying the Mysteries & Abundance of Life. In today’s conversation, Dr. Thanki and I get into the basics of Ayurvedic medicine, how she works with clients with conditions ranging from skin disorders to cancer, and how embracing simplicity leads to happier and healthier lives. Key takeaways: What differentiates Ayurveda from other naturopathic practices. How Dr. Thanki works with first-time patients. How herbs, spices, and other medicines work in Ayurvedic medicine. The basics of starting your own meditation practice. Simple things anyone can do each day to focus on their mental and physical health even if they’re not ready to dive into Ayurvedic medicine. Interview Resources Dr. Meghana Thanki on Second Nature Clinic on | by Dr. Meghana Thanki
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Creating Connection Through Music with Brian Mohr
09/22/2023
Creating Connection Through Music with Brian Mohr
A song is a powerful thing. In just seconds, it can take us back to extremely specific memories–where we were, who we were with, what we felt, and what mattered most to us in that very moment. And in our modern world, we’re always struggling to forge deeper, more emotional bonds with everyone around us. Today’s guest, Brian Mohr, understands that well–and is here to talk about his new startup, anthym. He’s working to use music to help culture-driven organizations create and nurture meaningful relationships amongst their people. The last time Brian was on the show, we talked all about what business owners can learn from the Grateful Dead. Today, we’re talking about the power of music, forging meaningful connections in the workplace, and how this powerful work (and the vulnerability it reveals) can make our lives, both in the office and at home, so much better. Key takeaways: How technology and distance have made it so difficult to build–or rebuild–company cultures. Why better work environments make for healthier, happier employees with more satisfying, better-rounded lives. What makes music such a powerful gateway to access extremely specific memories and forge connections between people. The benefits of talking about anything but business with the people you do business with. The major challenges facing businesses as they work to create and establish great corporate culture in the post-COVID world. Interview Resources anthym on | | Brian Mohr on | |
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What To Do If You're Laid Off Near Retirement
08/25/2023
What To Do If You're Laid Off Near Retirement
Imagine that you’re a few years away from retiring, and you just found out that you’ve been laid off. You’ve been putting money away as best you can, and now you’re really not sure if it’s enough. What do you do? In today’s episode, Andrew Rafal provides a quick list of actionable steps that you can take immediately to better understand what your financial situation looks like, what pre-retirees should consider after losing health benefits and how to get the most out of your 401(k) as you make the transition to the next phase of your life. Key takeaways: Look at your living expenses, both fixed and discretionary. Take inventory of your assets including a 401(k). Understand what your unemployment, health insurance, Social Security benefits are. Things to consider if you have a company pension. Interview Resources _____________________________________________ Subscribe & Learn More! If you'd like to subscribe for future podcast episodes, Your Wealth and Beyond is available on iTunes, Spotify, iHeart Radio, Overcast, Stitcher, and Google Play. · Listen and subscribe: · Learn about financial planning: On Social Media? Connect with us! • Facebook: • Instagram: • LinkedIn: . • Twitter: Music: The Whole World Crashes Down – Astral Orange DISCLOSURE: Investment advice offered through Bayntree Wealth Advisors, LLC, a registered investment adviser. Insurance services offered separately through Bayntree Planning Group, LLC Bayntree does not provide specific legal or tax advice. Please consult with your tax advisor or legal professional for guidance with your individual situation.
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Estate Planning Mistakes to Avoid with Allison Kierman
08/11/2023
Estate Planning Mistakes to Avoid with Allison Kierman
When it comes to finding purpose and building wealth, few things matter more than estate planning. While putting it off to tomorrow might seem fine in theory, it could eventually lead to the government making big decisions that could affect your legacy. That’s why I’m thrilled to introduce you to Allison Kierman. Allison has been an estate planning attorney for nearly 20 years, and she has extensive experience helping people understand their goals and the best way to transfer their wealth and legacy. In this episode, you’ll learn all about the common mistakes people make when it comes to estate planning, why a simple written will is almost never enough, and how to build a trust to protect yourself and your assets across generations. In this podcast interview, you’ll learn: · Why thinking you’re invincible and refusing to face the facts is an easy way to set yourself up for disaster later in life. · What happens when a family member leaves nothing but a signed piece of paper deeding out their possessions to their heirs–and why this almost always leads to probate court. · The differences between wills and trusts–and why almost every DIYer misses something. · The importance of having a good team of advisors, when and where attorneys should get involved. · The common misconceptions around protecting inheritance for adult children–and major tax exemptions you can take advantage of along the way.
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Keeping Up with Inflation by Optimizing your Social Security Benefit with Larry Kotlikoff
11/24/2022
Keeping Up with Inflation by Optimizing your Social Security Benefit with Larry Kotlikoff
When we look at 2022 in the rearview mirror, many of us will remember it as a year of inflation, volatility, and extreme uncertainty. So, in the midst of a massive market contraction and financial upheaval, what can you do to ensure you don’t run out of money–especially when it comes to your Social Security? To help me answer that question, I’m thrilled to welcome Professor Larry Kotlikoff back to the podcast. Larry has written over 19 books, and has a passion for helping people make smart, sound financial decisions. With that in mind, we’re talking about Social Security tips and strategies that can save you hundreds of thousands of dollars. We dig into how inflation directly affects Social Security benefits, the money-losing mistakes that so many people make as they approach retirement age, and what we should be doing to create a better financial future for our children and our country. In this podcast interview, you’ll learn: Why most people between the ages of 50 and 62 accidentally leave $182,000–or more–on the table by failing to optimize their Social Security. The importance of planning for worst-case scenarios when it comes to retirement–including living to 100. How to treat (and think about) money in the markets. What makes reverse mortgages and other similar lines of credit so tempting, and so dangerous. Larry’s vision for a more sustainable retirement system. Interview Resources Follow Laurence Kotlikoff on | |
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How to Make Qualified Charitable Distributions Work for You with Sarah Brenner
10/06/2022
How to Make Qualified Charitable Distributions Work for You with Sarah Brenner
In today’s episode, we’re talking about Qualified Charitable Distributions (QCD). We’ll be digging into how they work, the do’s and don’ts, and how to make them work for you. And to help leverage QCDs in the best way possible, I’m thrilled to welcome Sarah Brenner to the podcast. Sarah is an IRA Educator and Retirement Distribution Planning Professional. She’s worked with Ed Slott and Company for 7 years and brings over 20 years of experience to this extremely complex field. She’s trained thousands of financial professionals, contributed to several journals and publications and brings a unique legal background to her work. In this conversation, we go deep into QCDs: how to use them, why you should consider using them, and the most common mistakes many retirees make along the way. If you’re close to retirement age or know anyone who’s over the age of 70, I hope you’ll get a lot of value from this episode. In this podcast interview, you’ll learn: What exactly a QCD is and why they’re so overlooked as part of a retirement plan. How you can still take QCDs if you take the standard deduction. The most common problems and misunderstandings with QCDs. Why you should be thinking about QCDs at the beginning–not the end–of each year.Interview Resources Sarah Brenner on
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A Smarter Way to Tap into Your Home Equity with Matthew Sullivan
07/28/2022
A Smarter Way to Tap into Your Home Equity with Matthew Sullivan
If you own a home, it’s probably one of the most valuable assets–if not the most valuable asset–in your portfolio. However, it isn’t always the easiest to extract value from. Today’s guest, Matthew Sullivan, is working to change that. He’s the founder of QuantmRE, where he helps homeowners unlock their equity without taking on any additional debt. He’s also creating new opportunities for investors to invest in the equity in those homes–and is expecting over $1 billion to be created or invested in equity agreements in this year. In today’s episode, we dig into why it’s so hard for homeowners to put their equity to work, what makes QuantmRE different from other investing tools, and how he’s created a unique system that benefits homeowners and investors alike. In this podcast interview, you’ll learn: What Matthew learned from working closely with Richard Branson on the Virgin Global Challenger initiative. How QuantmRE compares to cash-out refis and reverse mortgages. Why the QuantmRE model allows investors to still generate positive returns in the event of a loss in property value. What Matthew has learned from his successes (and failures) as a serial entrepreneur. Interview Resources Matthew Sullivan on | |
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Achieving Financial Freedom with Jackson Millan
04/27/2022
Achieving Financial Freedom with Jackson Millan
How do you make the most of the guidance and advice out there, especially if you’re a business owner, and get a clear sense of where you’re going to be in three, 10, or even 20 years? Today, I’m excited to talk to the wealth mentor himself, Jackson Millan. Jackson has spent his entire career shaking up the wealth industry. He’s crafted his very own values-based advice model based on what he learned growing up, and he has a deep understanding of how to think effectively about the long term. In this conversation, Jackson and I discuss how he empowers business owners to work toward financial freedom, how to scale and take your business to the next level, and how to create a three-dimensional roadmap designed to make your dreams come true. In this podcast interview, you’ll learn: Why so many people fail to define financial freedom. Why businesses often consume more money than they provide–and how to reposition those businesses as wealth creation vehicles. How Jackson shares his business’s financial roadmap with his employees and teaches this process to his coaching clients. Why less than 6% of businesses are sold for a profit. Why there’s no quick fix for financial problems–and why Jackson keeps his investing boring and predictable, rather than relying on crypto or meme stocks. How Jackson’s F4 mantra enables his clients to work four days a week, 44 weeks a year, and helps them build businesses that earn $400,000 a year and ultimately generate $4 million in net wealth. Tweetables: “If you do something that you love, you never work a day in your life. And this isn’t work for me, this is just fun.” - Jackson Millan Interview Resources Follow Jackson Millan on , and
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Gamifying the Stock Market to Teach Young Investors with Myles Gage
01/21/2022
Gamifying the Stock Market to Teach Young Investors with Myles Gage
One of the issues with our current education system is that we aren’t teaching students about personal finance and investing. So how can we develop and improve financial literacy, especially among younger students? From learning how to invest, understanding the basics of the stock market, and how to effectively save money, it can be pretty overwhelming. My guest today is Myles Gage. He’s an entrepreneur who has been teaching his students about these topics for years. He’s one of the co-founders of –a mobile app aimed to help individuals learn about investing and build confidence before they start purchasing investments on their own. In today’s conversation, Miles and I talk about how students can become more financially literate, how his unique educational experience immersed him in the world of finance from a very young age, and the work he’s doing now to empower Gen Z. In this podcast interview, you’ll learn: Why schools should be teaching personal finance, economics, and investing. How Myles got to meet Joe Mansueto, Warren Buffett, and other titans of finance early in his life. How meme stocks, Reddit, and the COVID pandemic reinforced the importance of financial literacy. Why Rapunzl is unlikely to ever become a full-service brokerage, a la Robinhood–and why Myles sees that as a good thing. Myles’ advice for anyone looking to improve their financial literacy right now. Interview Resources
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A Compassionate Approach to Leadership with Wade Thomas
01/07/2022
A Compassionate Approach to Leadership with Wade Thomas
We’re all leaders. Even if you don’t own a business, many people lead families, Little League teams, volunteer organizations, and all sorts of other groups–and leadership has changed drastically in the last 40 years. Unfortunately, leadership isn’t something they teach in school, and the consequences are enormous. Today’s guest, Wade Thomas, has spent 20 years in the corporate world as the head of human resources for a large company–and he says 70% of American employees are unhappy in their jobs because of negative management. This is why Wade launched , where he focuses on helping others lead with compassion and empathy. In this episode, Wade returns to the podcast to talk about how we can be better leaders in the post-COVID world. We discuss how to listen to people and turn a profit, some of the powerful lessons Wade learned over the course of his 20 years in corporate America, and how to take an empathetic and compassionate approach to leadership roles. In this podcast interview, you’ll learn: Why winning at all costs and being empathetic are not mutually exclusive. The main reasons employees dislike the people they’re working for–and what makes it so hard for leaders to show that they care. While there isn’t a class on compassion and empathy–it can be taught alongside time management, strategy, accountability, and other aspects of management. How to help develop younger employees into the leaders they have the potential to become. Three things you can do right now to improve your relationships with the people you manage. Interview Resources
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The Secret to More Money, Less Risk, and a Better Life with Larry Kotlikoff
12/09/2021
The Secret to More Money, Less Risk, and a Better Life with Larry Kotlikoff
Few of us have ever experienced anything like the turmoil and upheaval of the last two years. We’re all feeling the impacts of longevity, inflation, taxes, and frustrating decisions by our government. This means it’s a great time to welcome today’s guest back to the podcast. Larry Kotlikoff brings 35 years of experience to our industry and on January 4th, he’ll be releasing Money Magic: An Economist’s Secrets to More Money, Less Risk, and a Better Life, where he digs deep into what people do wrong–and how to fix those mistakes for good. In today’s episode, Larry shares some of the over 50 shocking money stories that are detailed in his new book, the complexities, and challenges of Social Security, and the tools you can use to stay in the best financial shape possible no matter your situation. In this podcast interview, you’ll learn: Why Larry believes we should time the markets–but for risk, not returns. The issues that Larry sees Social Security–and the steps he’d take to fix it. How people actually get scammed by Social Security, especially widows. The reasons why moving forward with your Roth conversion might be a bad idea if you’re taking your Social Security early. Why your financial plan has to allow you to live to 100 regardless of if you make it there or not. Interview Resources Podcast Page:
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Living the Half-Retire Lifestyle with Jim Muehlhausen
09/28/2021
Living the Half-Retire Lifestyle with Jim Muehlhausen
As business owners, your goal isn’t just to build wealth–it’s to find purpose and create a real legacy. However, so many entrepreneurs make the same mistakes, day in and day out, leaving them undervalued and stressed out–and these errors take a toll that gets worse with every passing year, especially as you head toward retirement. Author Jim Muehlhausen has learned this well. Over the course of over 11,000 coaching sessions with business owners, he’s come to understand not only the fatal errors that they make but why they keep happening and how to turn these pitfalls into income streams. His work has led him to create the Half-Retire movement: a way for entrepreneurs to have the best of both worlds. He helps people keep their businesses, do right by their best people, and live a life of profit without the neverending grind. In today’s conversation, we discuss how to make running a business enjoyable, preserving your income, and having the power to focus on what you love–and only what you love–about working. In this podcast interview, you’ll learn: Why so many business owners are focused on the day-to-day–and how this can sap all the joy out of entrepreneurship, especially when margins are tight. What your Picasso work is–and why so few people spend real time adding unique value to their business. Why it’s so hard to scale a business without being able to delegate–and why so many entrepreneurs can’t do it. Jim’s process for half-retirement–and when you might or might not be ready to half-retire. The best advice Jim ever received about business. Tweetables: “The sooner you pull the trigger on getting your financial life together, the better that you're going to do.” - Jim Muehlhausen
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Retirement Plan Options for Small Business Owners with Brian Hartstein
09/02/2021
Retirement Plan Options for Small Business Owners with Brian Hartstein
At Bayntree, a lot of the small business owners and solo employers we work with start asking us one question as we get closer to the end of the year: what can I do to help save for retirement? There’s no right answer for everyone–in fact, it’s a bit of a mixed bag. There’s a lot of options, and you’ll need to talk to your advisor or CPA to come up with a plan that works well for you. Here to shed some light on this topic is my good friend and mentor, Brian Hartstein. Brian is the Director of Corporate Development here at Bayntree. Today, he brings his nearly three decades of experience to this issue to help you better understand the common mistakes business owners make, the opportunities you can take advantage of, and how to get a head start and a better understanding before you step into your next meeting with your accountant or advisor. In this podcast interview, you’ll learn: Why taxes are guaranteed to go up in the future–and why so many business owners are dissatisfied with their CPAs’ tax planning skills. The easiest thing for a business owner with 1099 income to do in order to save money if they don’t have a 401(k). The big mistakes business owners make when it comes to retirement planning. What a solo 401(k) is, what it looks like, and why you may want to choose it over a SEP. Why successful business owners need the assistance of TPA firms or other partners to create plans and find every possible tax advantage available.
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The Power of YouTube with Sagi Shilo
08/03/2021
The Power of YouTube with Sagi Shilo
Whether you’re an entrepreneur, a business owner, or a solopreneur, YouTube can be an invaluable resource. It’s the second most trafficked search engine in the world with over 2 billion users logging in each month. Its algorithm has the power to make and break careers–and in a number of unique ways, it can help you create a hugely memorable brand and reach customers. Sagi Shilo knows this well. In the last five years, he started , where he’s amassed nearly 300,000 subscribers and over 20 million views. He’s a good friend of mine, a long-term business partner, and a mentor. In today’s episode, Sagi returns to the podcast to talk about why so many entrepreneurs are missing the boat when it comes to building a presence on YouTube, what they should be thinking about, and the first steps to take to create a powerful brand of your very own. In this podcast interview, you’ll learn: Why your audience is on YouTube, no matter what you might think. How Sagi took his knowledge of SEO and translated it to the world of YouTube to grow from one subscriber to 300,000. The unique advantages of video over written content. Why it’s okay if your first video doesn’t go viral and get millions of views–and how to build up a robust library of great content that adds real value to your viewers’ lives. How to monetize your videos to create a new revenue stream. Why you shouldn’t use a webcam to shoot your videos–and how to affordably get the gear you need to produce awesome-looking content. Tweetables: “You don't need to be great to start, but you need to start to be great.” - Sagi Shilo Interview Resources
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10 Things You Shouldn’t Do As You Plan for Retirement
06/11/2021
10 Things You Shouldn’t Do As You Plan for Retirement
If you’re getting close to 50, you’re well on your way to retirement. You’ve got situations to look at, several possible mistakes you’ve already made, and some time to solve them–but the longer you wait, the worse the damage might be. Though today’s episode was made with the Gen Xers in mind, there is plenty of advice that will work for those of you who are 45, 40, or even 35. It’s all about formulating a plan based on where you are in your life and your career, when you want to retire, and how you want to do it. With this in mind, we’re talking about the ten big mistakes that people make while planning for retirement, as well as how you can be proactive and take initiative right now. You’ll learn what to do (and what not to do) to protect your money, your health, and your legacy. In this podcast interview, you’ll learn: Why so many people think they’re going to work longer than they actually do–and why this means you need to have a plan B if you lose your job early. Why your fifties is not a great time to change the risk level of your investments–and why it’s so easy to get emotional and fail to stick to the plan. How to take advantage of catch-up provisions if you couldn’t invest in your retirement earlier in your career. The dangers of retiring with credit card or student debt. Why you need to invest time, energy, and money in your health now–not later. The importance of reassessing your insurance coverage. How to navigate divorce or separation. The importance of updating key documents and reviewing your estate plan. A reminder on why you can’t let the market spook you. Interview Resources
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How to Avoid the Retirement Tax Time Bomb with Ed Slott
04/21/2021
How to Avoid the Retirement Tax Time Bomb with Ed Slott
A lot of people mistake “tax-deferred” for “tax-free.” This can be beneficial in the short term, but can ultimately leave you owing more on higher balances at higher rates. But what if, in some cases, the best course of action is to take advantage of the low tax rates available right now, so you can grow your money 100% for you - and not Uncle Sam - for the rest of your life? My guest, s. He’s created an easy-to-follow plan that helps you place your assets to avoid traps and keep your hard-earned money, no matter what. As a CPA for over 40 years, Ed is uniquely qualified to tackle this problem. He knows the ins and outs of IRAs better than just about anyone and works tirelessly to help people put more of their hard-earned dollars back in their pocket. Today, Ed returns to the podcast to talk about the benefits of paying taxes at the record lows we’re experiencing right now, how tax-deferred assets can hurt us when we’re most vulnerable if we’re not careful, and how laws passed in the wake of COVID-19 may affect your retirement planning for years or decades to come. In this podcast interview, you’ll learn: Why Ed believes that typical accountants and tax preparers are history teachers - and working with them does nothing but show you what you could or should have done. Why so many accountants are short-changing their clients by recommending they choose tax-deferred assets. Why Ed’s traditional IRA has a balance of $0 - and how this will protect him from a massive tax bill, as well as Medicare costs, later in life. The reason so many people aren’t actually in a lower tax bracket in retirement. . The biggest mistake that people make in leaving money to the next generation. Why life insurance can provide a better benefit to families than an IRA. - and how they can offer huge value in tax preparation. What makes the health savings account the deal of the century. Interview Resources
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Estate Planning Strategies to Secure Your Legacy with Kirsten Howe
04/03/2021
Estate Planning Strategies to Secure Your Legacy with Kirsten Howe
We all talk about estate planning, and most of us think of it as something we’ll get to next year. Why? It’s simple: estate planning forces us to admit we’re not invincible. For so many of us, it takes a major milestone or a tragic event to get our ducks in a row, and that’s not a good way to plan, no matter how old you are or what stage of life you’re in. This is why I’m excited to introduce you to Kirsten Howe. Kirsten has spent over 20 years as an estate planning attorney. At her company, , she’s made it her life’s mission to educate people on the mistakes people make when they don’t plan and how to get your house in order now. In today’s conversation, you’ll learn what happens if you do nothing, the difference between wills and properly executed trusts, the benefits of keeping your beneficiary forms updated, and what you can do to ensure that you keep more of your hard earned money. In this podcast interview, you’ll learn: The many reasons so many people think estate planning is even worse than going to the dentist. What estate planning really means - and who it actually benefits. Why probate letter is a four-letter word - and how this can become a serious problem for individuals in second marriages, especially if they don’t actually get married. Why estate planning is even more urgent if you’re concerned about dementia. The three components of a trust. How estate taxes are expected to change after 2025 - and how to reduce the size of your estate by creating a gifting plan. How to start thinking about digital estate planning as part of your overall estate plan - and tools you can use now to get started.
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Scale Your Business by Outsourcing Your Marketing
03/19/2021
Scale Your Business by Outsourcing Your Marketing
Whether you’re a startup, a mature company, or a mom-and-pop, without the right marketing and messaging, you are destined to fail. Amanda Rabideau has spent her entire career helping businesses of all sizes avoid this fate. She’s the founder of Arch Collective, where she helps companies create marketing plans and strategies to reach their ideal clients. Today, Amanda joins the podcast to talk about the benefits of hiring a fractional CMO instead of an in-house specialist, how to get multiple talented people to work for you without paying out a full-time salary, and the steps you can do right now to 10x - or even 20x - your business. In this podcast interview, you’ll learn: The mistakes Amanda has seen entrepreneurs make as they try to get their message out into the world. The common problems with in-house marketing hires at young companies - and why it’s so easy to spend lots of money without achieving significant ROI. What a fractional CMO is and does - and how they provide unique expertise and assistance to leaders who have to do 10 million things in a single workday. How to create manageable metrics and use productivity tools to hold your marketing teams accountable. Why working with a fractional CMO and their team is more like a long-term dating relationship than a marriage - and why Amanda, who works exclusively with post-Series A B2B tech startups, has had to turn down multiple full-time job offers from clients. How to manage priorities as you create and set marketing budgets. Why no business owner can do it all themselves - and where to find affordable, great talent when you need it. Interview Resources
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How To Get Out Of Your Timeshare with Allie Olson
02/26/2021
How To Get Out Of Your Timeshare with Allie Olson
For so many people, just hearing the word “timeshare” brings chills, angst, and anger to the surface. There are 10 million timeshare owners out there, and as many as 80 percent of them aren’t just unhappy with what they purchased - they don’t know how to get out of it. If you’re one of the many unsatisfied timeshare owners looking for an exit (or know someone with a timeshare horror story), today’s episode is for you. I’m talking to Allie Olson, the CEO of , where she is revolutionizing the timeshare industry and helping people put their nightmares to an end. In this conversation, Allie breaks down how to get out of a timeshare, the common scams out there preying on people trying to get out of their timeshares, the mistakes people make along the way, and what you can do to stop this liability from passing on to your children. In this podcast interview, you’ll learn: How the timeshare industry (and the sales practices around it) changed for the worse over the last 15 years. Why so many timeshare owners are so unhappy - and how services like Airbnb and Vrbo rendered timeshares obsolete. Allie’s step-by-step timeshare exit process - and what makes her different from shady companies that ask for cash upfront and often don’t get results. The major mistakes and risks people make when investing in, using, and trying to get out of timeshares. How failing to make timeshare payments can leave estates stuck in probate and create massive financial penalties. How to protect your kids from liability if you are having trouble getting out of your timeshare. First steps to take if you have a timeshare you’re looking to get rid of - and how to avoid doing business with scammers and con artists in what can be a very shady industry. Who timeshares can offer value to in 2021. Interview Resources
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