Natalie Smith, attorney at Sussman Shank LLP, specializes in advanced estate, trust, and tax planning for families, business owners, and advisors. With an LLM and deep experience at the intersection of tax law and real-world decision-making, she helps clients align wealth, values, and long-term intent.

In this episode, Natalie breaks down what “advanced” estate planning actually means, where high net worth families and business owners make costly mistakes, and how early coordination with advisors can dramatically improve outcomes. The conversation highlights practical strategies around trusts, gifting, tax mitigation, and family dynamics—while emphasizing that clarity, communication, and timing are what truly drive effective planning.

Key Takeaways:

● Know your assets: A complete, organized asset list is critical to ensure your estate plan actually works as intended.

● Titling matters: Even the best trust structure fails if assets aren’t properly aligned and funded.

● Plan before liquidity events: Early coordination helps avoid major tax consequences during sales or exits.

● Family dynamics drive strategy: Effective planning must account for relationships, roles, and communication.

● Start earlier than you think: Estate planning is most effective when treated as an ongoing, proactive process.

Connect with Natalie:

Website: https://www.sussmanshank.com/people/natalie-e-smith-ll-m/

LinkedIn: https://www.linkedin.com/in/natalieelizabethsmith/

With Your Guest Host Seth Krussman:

Seth Krussman is a seasoned financial advisor and partner at Brayshaw Financial Group, LLC, with over 30 years of experience in entrepreneurship, business development, and wealth management. A Registered Representative and Investment Advisor Representative with Osaic Wealth, Inc., Seth specializes in tax-efficient investment strategies, executive compensation, and succession planning for high-net-worth clients. Based in Hillsboro, Oregon, he is also the nationally recognized co-host of the radio show Money On Tap and an active community leader, husband, and father.

Connect with Seth:

Website: https://www.brayshawfinancial.com/

Podcast: https://www.brayshawfinancial.com/money-on-tap

Facebook: https://www.facebook.com/3Dinvesting/

X: https://x.com/BFG_LLC/

Leroy Nashke, real estate agent with Silver Shores Realty and a Senior Real Estate Specialist, shares how he helps 55+ clients downsize, transition, and make confident decisions. He discusses building trust, coordinating services, avoiding costly mistakes, and why personal service and integrity separate advisors from transactional agents.

Key Takeaways:

● Relationship-first real estate: Building trust and personal connections leads to better outcomes and stronger referral-driven growth.

● Serving the 55+ market: Senior transitions require empathy, coordination, and guidance beyond a typical real estate transaction.

● Acting as a trusted advisor: Providing honest advice, even when it slows a deal, builds long-term credibility and client confidence.

● Negotiation and teamwork matter: Collaborating with agents and managing expectations helps deals stay together.

● Specialization creates differentiation: Focusing on senior downsizing and transitions helps stand out in a crowded real estate market.

Connect with Leroy:

Website:  https://www.silvershoresrealty.com

Connect with Mike Agol:

Website:  https://www.ridgecapitalmanagement.com/

In this episode of Sterling Insights, Tracy McCary sits down with Michael Raanan, Enrolled Agent and President of Landmark Tax Group. Together, they explore IRS back taxes and tax resolution, sharing valuable insights and practical tips for listeners. Michael draws from his experience as a former IRS revenue officer to discuss how tax debt is calculated, resolved, and sometimes reduced, offering actionable advice for individuals and business owners dealing with IRS issues. This episode is a must-listen for taxpayers, advisors, and anyone concerned about IRS debt, providing both knowledge and tools to navigate this important subject. 

Key Takeaways:

● Not All Tax Debt Is Accurate: Many IRS balances are overstated due to substitute returns—fixing filings can significantly reduce what’s owed.

● Cause, Cure, Compliance Framework: Understanding why the debt happened, how to resolve it, and how to stay compliant is key to long-term success.

● Multiple Resolution Options Exist: Payment plans, hardship status, and offers in compromise depend on financial analysis—not negotiation.

● IRS Mistakes Happen: Even large payments can be misapplied, leading to major penalties and long disputes.

● Beware of Tax Relief Scams: Many firms overpromise “pennies on the dollar” but fail to deliver real results.

Quotes from Michael Raanan:

● “It’s not that big of a deal when you owe back taxes—you just have to address it.”

● “The IRS is very black and white. It’s about what you qualify for, not negotiation.”

● “We hear it all the time—‘they didn’t do anything for me’—that’s the reality with a lot of these tax relief firms.”

Understanding how the IRS actually works—and what options truly exist—can turn a stressful tax problem into a manageable plan forward.

Connect with Michael:

Website:  https://landmarktaxgroup.com/

What if your CPA could do far more than file taxes—and actually help you build wealth, avoid costly mistakes, and align your finances with your life goals?

In this episode of Sterling Insights, Mike Agol sits down with Jon Czerwinski, CPA and Managing Partner, a strategic tax advisor specializing in entrepreneurs, investors, and high-growth businesses. Together, they explore the evolving role of CPAs as strategic partners in business growth, sharing valuable insights and practical tips for listeners. Jon draws from his extensive experience to discuss common misconceptions about CPAs, the importance of proactive tax planning, and how business owners can better align their financial strategies with long-term goals, offering actionable advice for entrepreneurs, business owners, and high-income professionals. This episode is a must-listen for anyone looking to move beyond basic tax preparation and leverage financial strategy for growth, providing both knowledge and tools to navigate this important subject.

Key Takeaways:

● CPAs Are Strategic Advisors—Not Just Tax Preparers:

Many people misunderstand the role of a CPA. The real value lies in strategic planning, not just filling out forms.

● Annual Tax Planning Is the Minimum Standard:

Business owners should meet with their CPA at least once a year—ideally before year-end—to proactively reduce tax liability and adjust strategy.

● Your Tax Plan Must Align With Your Life Goals:

Whether your goal is lifestyle, monetization, or legacy, your financial strategy should reflect and support that vision.

● Ideal Clients Are Growth-Oriented and Engaged:

Entrepreneurs, strategic investors, side hustlers, and startups benefit most when they actively engage in the planning process.

● AI Is an Opportunity—Not a Replacement:

While AI can enhance efficiency, it cannot replace the strategic insight and personalized guidance of a skilled CPA.

Quotes from Jon Czerwinski:

● “If the only thing your CPA does is fill out a form, you don’t have a CPA.”

● “You hire a CPA for what’s between their ears—not the tax return they produce.”

● “Your life goals and your tax plan have to be in sync—otherwise, you’re working against yourself.”

The most successful business owners don’t treat their CPA as a once-a-year necessity—they treat them as a year-round strategic partner who helps guide smarter decisions, minimize risk, and maximize long-term success.

Connect with Jon:

Website - https://www.jccpas.com/

Instagram - https://instagram.com/jccpas/

LinkedIn - https://linkedin.com/company/jccpas/about/

Facebook - https://www.facebook.com/profile.php?id=61561069991961

In this episode of Sterling Insights, Tracy McCary sits down with Dana Lashbaugh, CPA and Owner of The CPA Group, a tax strategist specializing in business owners earning between $2M–$20M in revenue. Together, they explore proactive tax planning for business owners and retirees, sharing valuable insights and practical strategies that go far beyond basic tax preparation. Dana draws from his extensive experience in public accounting and as a former controller to discuss Roth conversions, IRMAA planning, 1099 estimated tax mistakes, succession planning, and smart exit strategies—offering actionable advice for business owners, independent contractors, and retirees.

This episode is a must-listen for entrepreneurs, construction and restaurant owners, and high-income professionals who want to reduce taxes, avoid costly surprises, and build a smarter long-term financial strategy.

Key Takeaways:

● Proactive Tax Planning Beats Reactive Tax Filing: Tax preparation is compliance — tax planning is strategy. Business owners who plan ahead can significantly reduce lifetime tax liability.

● Roth Conversions & IRMAA Awareness Matter in Retirement: Strategic Roth conversions can reduce required minimum distributions (RMDs) and prevent costly Medicare premium increases tied to income thresholds.

● 1099 Income Requires Quarterly Payments: Independent contractors must make estimated tax payments to avoid penalties and painful April surprises.

● Exit & Succession Planning Has Major Tax Implications: Selling, expanding, or transitioning a business requires careful asset allocation and coordination with advisors to minimize tax impact.

● Staffing Is the Biggest Challenge in Accounting Today: With hundreds of thousands of CPAs exiting the profession, access to responsive, relationship-driven advisory services is becoming increasingly valuable.

Quotes from Dana Lashbaugh:

● “We’re not just preparing tax returns — we’re helping clients plan where they’re going.”

● “There’s really no such thing as a quick tax question — because the right answer depends on the details.”

● “The pain is a lot easier quarterly than getting one big surprise bill on April 15th.”

Smart tax planning isn’t about being aggressive — it’s about being intentional. The earlier business owners and retirees plan, the more control they maintain over taxes, cash flow, and long-term wealth.

Together, they explore tax-efficient strategies for managing concentrated stock positions, Roth conversions, and holistic wealth planning for high-net-worth families. Gary draws from over 25 years of experience to discuss concentration risk, tax-aware diversification strategies, and advanced planning techniques, offering actionable advice for investors, executives, and advisors navigating complex financial decisions. This episode is a must-listen for high-net-worth individuals and financial professionals seeking smarter, more integrated planning strategies.

Key Takeaways:

● Concentration Risk Starts Around 10%: While 10% in a single stock is a common rule of thumb, true risk tolerance depends on age, goals, income sources, and overall net worth.

● Create a Rules-Based Liquidation Strategy: Removing emotion from selling appreciated stock by setting pre-defined triggers can help investors diversify systematically and tax-efficiently.

● Roth Conversions Require Careful Modeling: Conversions can increase lifetime wealth—but hidden “tax torpedoes” like Social Security taxation, capital gains brackets, and Medicare premiums must be considered.

● Integrate Tax, Estate, and Investment Planning: The most effective strategies align tax efficiency, legacy intent, and portfolio design into one coordinated plan.

● Advanced Tools Improve Planning Outcomes: Modern tax and financial planning software allows advisors to model “what-if” scenarios efficiently, enabling dynamic, data-driven decisions.

Quotes from Gary Pattengale:

● “Taxes are important—but first we assess the concentration risk. What happens if that stock drops 40 to 60%?”

● “Once the rule is triggered, we execute. It takes the emotion out of it.”

● “Roth conversions aren’t for everybody. You really have to analyze the full tax impact before you act.”True wealth management isn’t about chasing returns—it’s about integrating tax strategy, risk management, and long-term planning into one cohesive approach that protects and grows wealth across generations.

Connect with Gary:

Website:  https://www.mesirow.com/home

LinkedIn:  https://www.linkedin.com/in/gary-pattengale-cfp%C2%AE-3806b822/

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Key Takeaways:

● Value Over Price: The cheapest policy is rarely the best policy. Proper coverage protects everything you’ve worked hard to build.

● Umbrella Policies Matter: An umbrella policy is one of the most affordable ways to shield assets from major lawsuits and liability claims.

● Coverage Gaps Are Common: Jewelry, small business exposures, and liability risks are often underinsured or misunderstood.

● Advisors Should Collaborate: Insurance and financial advisors must work together to fully protect a client’s portfolio.

● Insurance Is Personal: True service goes beyond policies — it means showing up during freezes, hurricanes, and life’s toughest moments.

Quotes from Angie Smith:

● “On a bad day, I want to make sure what you’ve built is still protected.”

● “An umbrella policy is the cheapest attorney you’ll ever have protecting your assets.”

● “We don’t just sell a policy — we sell value and proper protection.”

Building wealth is only half the equation — protecting it is what secures your legacy.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Connect with Blaine:
Website:  https://brownsteinrask.com/attorneys/blaine-clooten

YouTube:  https://www.youtube.com/@clootenlawyer

LinkedIn:  https://www.linkedin.com/in/clooten/

With Your Guest Host Seth Krussman:
Seth Krussman is a seasoned financial advisor and partner at Brayshaw Financial Group, LLC, with over 30 years of experience in entrepreneurship, business development, and wealth management. A Registered Representative and Investment Advisor Representative with Osaic Wealth, Inc., Seth specializes in tax-efficient investment strategies, executive compensation, and succession planning for high-net-worth clients. Based in Hillsboro, Oregon, he is also the nationally recognized co-host of the radio show Money On Tap and an active community leader, husband, and father.
Connect with Seth:
Website:  https://www.brayshawfinancial.com/
Podcast:  https://www.brayshawfinancial.com/money-on-tap
Facebook:  https://www.facebook.com/3Dinvesting/
X:  https://x.com/BFG_LLC/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode explores how longevity, trust, and adaptability can create a resilient real estate career.

In this episode of Sterling Insights, guest host Tracy McCary sits down with Greg Roberts, a seasoned real estate consultant with expertise in both residential and commercial real estate. Together, they explore how building trust and adapting to market shifts has sustained Greg’s business since the mid-90s, sharing valuable insights and practical tips for listeners. Greg draws from his extensive experience to discuss interest rate fluctuations, client evolution, and the shift from cold calls to warm referrals, offering actionable advice for advisors, realtors, and professionals serving high-net-worth individuals. This episode is a must-listen for real estate professionals, financial advisors, and business owners navigating growth in volatile markets, providing both knowledge and tools to navigate this important subject.
Key Takeaways:
● Adaptability is Key: Greg transitioned from pharmaceuticals to real estate and grew with the industry—adapting from entry-level buyers to million-dollar clients.
● Trust Drives Referrals: After decades in the business, most of Greg’s leads now come from word of mouth, not advertising.
● Commercial Real Estate as a Growth Lever: Expanding into commercial deals re-energized his business and client relationships.
● Interest Rates are Psychological as Much as Financial: Greg offers context on how consumers perceive 7% rates vs. the recent anomaly of 2–3%.
● Being a "Truth Teller" Pays Off: Greg’s honest approach—telling clients what they need to hear, not just what they want—has built long-term credibility.
Quotes from Greg Roberts:
● "I tell you the truth—even if it costs me the listing."
● "You don't know what you don't know—and that's where a trusted advisor matters."
● "I become family to my clients for 30, 60, 90 days during a deal—and then I may not hear from them for two years."

🔗 Conclusion:
Whether you're an advisor, real estate pro, or just curious about sustaining success over the long haul, this episode delivers powerful lessons on trust, client service, and staying relevant in a shifting market.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode is a must-listen for advisors, brokers, and anyone eyeing a move into commercial real estate or development, providing both knowledge and tools to navigate this important subject.

Key Takeaways:

• Start Where You Are: Launching a real estate career during the 2008 crash taught Tanner resilience, creativity, and long-term grit.
  

• Residential vs. Commercial: Why Tanner moved away from residential sales and how commercial real estate offers deeper value and specialization.
  

• The Power of Partnerships: How working with a seasoned developer has opened doors in capital raising and ground-up projects.
  

• Market Impact of Interest Rates: Understanding how even small interest rate changes drastically shift commercial property valuations.
  

• Become the Trusted Advisor: It’s not about being everywhere—it’s about evolving daily and being the expert people rely on.
  

Quotes from Taner Neighbors:

• "I don't like selling houses—I enjoy the commercial side of things tremendously."
  

• "Interest rates 100,000% drive the commercial real estate market."
  

• "A true professional can make your life very easy. Time is something we can never get back."
  

🔗 Conclusion:

This episode highlights what it takes to move beyond transactional real estate into a role of influence, strategy, and long-term impact. Whether you're advising high-net-worth clients or building your own real estate career, Taner’s journey offers both inspiration and a roadmap forward.

Connect with Taner:

LinkedIn:  https://www.linkedin.com/in/neighborssells/

Connect with Tracy:

Website:  https://tracwealthmanagement.com/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Scott Brown, President of Pinnacle Associates, a multibillion-dollar RIA serving high net worth families and institutions. Together, they explore what it takes to build and grow a thriving independent advisory firm, sharing valuable insights and practical tips for listeners. Scott draws from his extensive legal and operational experience to discuss the evolution of the RIA space, the importance of culture, and how firms can stay competitive in a fast-changing landscape. This episode is a must-listen for financial advisors, firm leaders, and professionals serving HNW clients, providing both knowledge and tools to navigate growth, succession, and innovation in wealth management.

🔑 Key Takeaways:

● Culture Drives Client Experience: Pinnacle prioritizes internal culture, believing happy, respected employees create the best outcomes for clients.

● Built to Scale: From in-house investment management to advisor training programs, Pinnacle is structured to grow without sacrificing quality.

● Focus on the $2M–$20M Client: Their ideal client range allows for deep planning relationships, with business owners and entrepreneurs being a core audience.

● Organic + Inorganic Growth Strategy: Pinnacle targets 5%+ organic growth while selectively pursuing M&A to expand strategically.

● Future-Proofing the RIA: With initiatives like the Next Gen Committee and Pinnacle Academy, they’re investing in leadership, tech, and talent to stay ahead.

💬 Quotes from Scott Brown:

● "We’re trying to build a firm that thinks three chess moves ahead — not just one client meeting at a time."

● "Culture is the number one thing we care about. Good people lead to great client experiences."

● "It’s a unique time in the RIA world — consolidation, AI, and client expectations are all shifting. You need to be paying attention."

🔗 Conclusion: If you're serious about growing a client-first advisory business that lasts, this episode delivers real-world strategies from the front lines of a $10B RIA.

Connect with Scott:

Website:  https://www.pinnacle-associates.com

LinkedIn:  https://www.linkedin.com/in/scottbrown1999/

LinkedIn:  https://www.linkedin.com/company/pinnacle-associates/?viewAsMember=true

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

• 🛠️ Know Your Niche: Trades businesses between $500K–$5M in revenue are often under-served—and wildly profitable with the right financial structure.
  
• 💰 Job Costing = Hidden Cash Flow: Most tradespeople don’t track profitability per job, leading to money left on the table.
  
• 📊 From Compliance to Strategy: CPAs must evolve from number crunchers to storytellers who help owners make smarter decisions.
  
• 🧠 DIY Pitfalls Are Real: Self-filing taxes or doing your own books often leads to costly mistakes—smart business owners delegate.
  
• 🚀 Charge for Your Value: Professionals need to stop pricing hourly and start pricing based on outcomes and real value delivered.
  

• “We’re not just pencil pushers. We’re storytellers—and that’s where the real value is.”
  
• “If you’re not resonating with your client, then you’re not a fit—and the relationship won’t be fruitful.”
  
• “Don’t penny-pinch on your professionals. That’s the lifeblood of your business.”
  

Quotes from Mark Stiles:

Connect with Mark:
Website:  https://www.markstilescpa.com
LinkedIn:  https://www.linkedin.com/company/mascpa/
Facebook:  https://www.facebook.com/share/1AscCpnvMy/?mibextid=wwXIfr
Instagram: https://www.instagram.com/mascpa_?igsh=Z2ZkYzk3c3RueDlm&utm_source=qr

Podcast: https://open.spotify.com/show/1Xgh8G0ENtln59anAwZwFI?si=nr6-xh12R26JcV9lqBtcqQ&nd=1&dlsi=27d11b68be02409a
Connect with Tracy:
Website:  https://tracwealthmanagement.com/
🔗 Conclusion:
This episode shows how CPAs can be growth engines—not just compliance officers—for trades and high-net-worth clients. With storytelling, strategy, and specialization, accounting becomes a superpower.

Learn more about your ad choices. Visit megaphone.fm/adchoices

• 💼 Holistic Service Wins: Cody shares how adding tax, payroll, and bookkeeping services filled critical gaps for clients—and grew his business.
  
• 🧠 AI as a Study Partner: He credits ChatGPT with helping him pass the Enrolled Agent exam quickly and effectively.
  
• 🧰 Supporting Blue-Collar Entrepreneurs: Many clients just want to do great work—Cody handles the rest so they can grow.
  
• 🌐 Cloud-Based, Nationwide Firm: Learn how FinPro serves clients across the U.S. with zero paper and 100% trust.
  
• 📊 Tiered Pricing = Smarter Scaling: A client told Cody he wasn’t charging enough—now he offers three tiers that align value with service.
  

• "I don’t necessarily think I’ve become an expert in any one area—my focus is adding as much value as possible."
  
• "Every person you meet knows something you don’t know."
  
• "I never want to become a tax return factory. Quality is everything."

Quotes from Cody Roos:

Connect with Cody:
Website:  https://www.finproaccounting.com/wp/wp-admin/LinkedIn: https://www.linkedin.com/in/cody-roos
Connect with Charles:
Website:  https://proactivetaxreductions.com/about-us/ LinkedIn:https://www.linkedin.com/in/businessownertaxreductionadvisor/ Facebook Business:https://www.facebook.com/TrakasFinancial  Facebook Personal:https://www.facebook.com/profile.php?id=100011447285280
🔗 Conclusion:
Whether you serve farmers, contractors, or financial advisors, delivering integrated, high-trust accounting services can transform your client relationships—and your business.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Chad Willardson, founder of Pacific Capital and advisor to ultra-high-net-worth founders. Together, they explore how to serve first-gen entrepreneurs with complex financial lives, sharing valuable insights and practical tips for advisors and families alike. Chad draws from his extensive experience building a boutique family office to discuss client fit, private investments, multi-generational planning, and how to say no—even to $100M prospects, offering actionable advice for those working with high-net-worth individuals. This episode is a must-listen for financial advisors, family office professionals, and entrepreneurial families, providing both knowledge and tools to navigate this important subject.

Key Takeaways:

● 💼 Know Your Ideal Client: Why Chad only serves first-gen founders with $25M+ and how he defines perfect-fit clients.

● 🧠 Be the Peer, Not Just the Planner: How being an entrepreneur himself makes Chad more effective as an advisor.

● 📊 Private Deals Are Everywhere: How his team evaluates hundreds of private investment opportunities each year for clients.

● 🧒 Smart, Not Spoiled: Why teaching kids about money early is essential—and how not to ruin the next generation.

● 🛩️ Lifestyle Decisions Matter: What to consider when clients ask, “Should I buy a jet?”

Quotes from Chad Willardson:

● "I’m more of a peer to my clients than just their advisor."

● "You don’t have to do business with people who aren’t a good personal fit."

● "Making money easy doesn’t make someone good with money."

🔗 Conclusion:

Serving ultra-wealthy entrepreneurs isn’t just about investing—it’s about simplifying their lives, protecting their time, and helping them think clearly in high-stakes moments.

Connect with Chad:

Website:  http://chadwillardson.com/

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

• 🧠 Plan Early: Waiting too long to start estate planning often leads to unnecessary taxes, legal confusion, or family conflict.
  
• 🏠 Avoid Probate: Use revocable trusts and proper titling to ensure smooth transitions and privacy for heirs.
  
• ⚖️ State Taxes Matter: Oregon and Washington have aggressive estate tax thresholds that catch many families off guard.
  
• 👨‍👩‍👧 Family Assumptions Are Dangerous: Assigning roles based on tradition (like making the oldest child a trustee) can backfire—fit matters more than form.
  
• 🛡️ Long-Term Care Planning Is Crucial: Without insurance or trust-based strategies, healthcare costs can drain family wealth quickly.
  

• “Most people think they have more time. The truth is, things change fast—and if you wait, your options shrink.”
  
• “A trust with nothing in it is like a safe with no valuables. You have to fund it, or it’s just a document.”
  
• “Just because someone’s your oldest child doesn’t mean they’re the right person to manage your estate.”
  

Quotes from Aaron Frishman:

🔗 Conclusion: Estate planning isn’t just for the ultra-wealthy—it’s about protecting your legacy, your family, and your future. Starting now is the smartest move you can make.
Connect with Aaron:
Website:  www.gevurtzmenashe.com LinkedIn:  https://www.linkedin.com/in/aaronfrishman/
With Your Guest Host Seth Krussman:
Seth Krussman is a seasoned financial advisor and partner at Brayshaw Financial Group, LLC, with over 30 years of experience in entrepreneurship, business development, and wealth management. A Registered Representative and Investment Advisor Representative with Osaic Wealth, Inc., Seth specializes in tax-efficient investment strategies, executive compensation, and succession planning for high-net-worth clients. Based in Hillsboro, Oregon, he is also the nationally recognized co-host of the radio show Money On Tap and an active community leader, husband, and father.
Connect with Seth:
Website:  https://www.brayshawfinancial.com/
Podcast:  https://www.brayshawfinancial.com/money-on-tap
Facebook:  https://www.facebook.com/3Dinvesting/
X:  https://x.com/BFG_LLC/

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Duncan MacPherson, CEO of Pareto Systems and a practice management expert for top financial advisors. Together, they explore how elite advisors create enterprise value by professionalizing their client experience, sharing valuable insights and practical tips for listeners. Duncan draws from over 30 years of experience to discuss the pitfalls of plateauing, the power of process, and how to grow a business that truly serves your life. This episode is a must-listen for advisors who work with high-net-worth clients and want to grow by design—not by default, providing both knowledge and tools to navigate this critical evolution.

Key Takeaways:

● 🧠 The 80/20 Principle in Practice: How elite advisors focus 80% of their energy on the 20% of clients who drive results—and why most advisors still get it backward.

● 🛠️ Professionalizing the Client Experience: Why it’s no longer enough to rely on product and performance, and how to build a proprietary process that creates real differentiation.

● 📈 From Practice to Business: The stages of growth—growing, teaming, scaling, and exiting—and how to move from reactive to intentional.

● 🎯 Finding and Serving Your Ideal Client: Tools like the Practice Management Index (PMI) help advisors identify gaps and realign around what matters most.

● 🤝 Positioning vs. Pitching: Why complex clients don’t want to be sold—they want to buy into a vision, process, and partnership.

Quotes from Duncan MacPherson:

● "You’re not asking a client to buy something—you’re asking them to buy into something."

● "The business is supposed to serve your life, not the other way around."

● "If you're not adapting, you're plateauing. Minor adjustments over time can lead to major improvements."

🔗 Conclusion:

Success today isn’t just about assets under management—it’s about building a business with process, purpose, and professional contrast. If you want to scale intentionally and future-proof your practice, this episode is your starting point.

Connect with Duncan:

Website:  www.paretosystems.com

Podcast:  https://always-on-with-d-macpherson.blubrry.net/

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Laura Rehbein, Private Wealth Advisor and Founder of Impavid Wealth Advisors. Together, they explore how to bring clarity and confidence to high-net-worth financial planning, sharing valuable insights and practical tips for listeners. Laura draws from her 30 years of experience to discuss emotional blind spots, legacy planning, digital assets, and the dangers of "bad math", offering actionable advice for affluent professionals and retirees. This episode is a must-listen for advisors, wealth builders, and those navigating complex financial lives, providing both knowledge and tools to navigate this important subject.

Key Takeaways:

● 💼 Planning Is More Than Investing: True wealth management means planning for life events, risks, and what money needs to do for you — not just watching the markets.

● 📚 Why “Throw It in a Pile” Works: Laura’s simple but powerful method helps uncover forgotten accounts, misaligned goals, and missing documents.

● 🧠 Emotions Drive Money Decisions: Even smart, successful people struggle with fear and uncertainty around money — acknowledging that is key to great planning.

● 🐾 Don't Forget the Pets: Estate planning isn't complete without considering pets and digital assets — yes, even your Facebook page.

● ⚖️ Balance Assets for Flexibility: Too much in retirement accounts can cause tax headaches later. Strategic asset location matters.

Quotes from Laura Rehbein:

● “Measure money against the job it needs to do someday — and keep measuring, because life changes.”

● “People think they need investments. What they really need is clarity.”

● “You can have all the money in the world and still have a financial train wreck if you don’t plan beyond the numbers.”

🔗 Conclusion:

If you're still focused only on returns, you're missing the real value of planning. This episode will help you think bigger — and smarter — about wealth.

Connect with Laura:

LinkedIn: https://www.linkedin.com/in/laurarehbein/

LinkedIn: https://www.linkedin.com/company/impavid-wealth-advisors-a-private-wealth-advisory-practice-of-ameriprise-financial-services-llc 

Facebook: https://www.facebook.com/ImpavidWealthAdvisors

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Darryl Lyons, co-founder of PAX Financial Group and a Certified Financial Planner. Together, they explore purpose-driven financial planning through a Judeo-Christian lens, sharing valuable insights and practical tips for advisors and clients alike. Darryl draws from his extensive experience working with business owners and high-net-worth families to discuss value alignment, charitable giving strategies, and navigating today’s complex economic environment, offering actionable advice for financial professionals and faith-driven investors. This episode is a must-listen for advisors who serve high-net-worth clients and want to lead with purpose, providing both knowledge and tools to navigate this important subject.

Key Takeaways:

● ✝️ Aligning Faith and Finance: Why purpose-driven planning resonates with clients who want their investments to reflect their core values.

● 💼 Ideal Client Profile: How PAX Financial serves business owners with $10M+ net worth, especially those approaching succession.

● 📈 Net Asset Flow as Growth Metric: Why Darryl prefers tracking organic AUM growth over total assets.

● 🎁 Strategic Generosity: How donor-advised funds and thoughtful giving strategies can help clients give meaningfully—and tax-efficiently.

● 🧩 Navigating ESG & Proxy Voting: A candid look at how ESG investing intersects (and conflicts) with Judeo-Christian values.

Quotes from Darryl Lyons:

● "He didn’t want to wrestle with the why of giving—he wanted someone who already believed in it, and would focus on how to do it well."

● "If you're using the Lord’s name just to garner business, that’s using it in vain—and I take that seriously."

● "We charge a modest fee because people value what they pay for—and we want them to take action."

🔗 Conclusion: Purpose-driven financial planning isn’t just about performance—it’s about trust, alignment, and helping clients live out their values through their wealth.

Connect with Darryl:

Website:  https://paxfinancialgroup.com/

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Matt Fitzsimmons, Managing Partner at The Watchman Group and a veteran in investment and tax-integrated planning. Together, they explore how forward-looking tax planning changes the way wealth is managed, sharing valuable insights and practical tips for listeners. Matt draws from his extensive experience to discuss challenges like liquidity events, charitable giving, and business exits, offering actionable advice for advisors serving high net worth and ultra-high net worth clients. This episode is a must-listen for RIAs and fiduciaries managing complex client needs, providing both knowledge and tools to navigate this important subject.
Key Takeaways:
● 🧾 Lead with Tax Strategy: Clients rarely ask for investment alpha — they ask for clarity on taxes. Tax-first planning drives real value.
● 💰 Donor-Advised Funds Done Right: Bundling 10 years of giving into one year can lead to massive, tangible tax savings.
● 🏢 Planning Before the Liquidity Event: Donating illiquid assets pre-sale can unlock six-figure tax savings that are otherwise lost.
● 🏘️ Why Real Estate Is Back: Distress in multifamily housing presents rare buying opportunities — if you know where to look.
● 📉 Tax Alpha with Market-Neutral Strategies: Advanced approaches like accelerating capital losses or ordinary loss-generating funds are reshaping how portfolios are managed for the wealthy.
Quotes from Matt Fitzsimmons:
● “Clients don’t walk in asking about private credit — they walk in asking how to save on taxes.”
● “People value a dollar of tax savings more than a dollar of investment gains.”
● “We’re not just building portfolios — we’re building strategies around life events, tax brackets, and long-term outcomes.”

🔗 Conclusion:
Forward-looking tax planning isn’t just an add-on — it’s a competitive advantage for advisors serving high net worth clients.

Connect with Matt:
Website:  https://www.watchmangroup.com/

Connect with Roger:Website:  https://www.sterlingfoundations.comFacebook:  https://www.facebook.com/sterlingfoundations/Twitter:  https://x.com/SterlingFndMgt?mx=2LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Jon Randall, founder of XFA and PhD in Performance Psychology who coaches top financial advisors across the U.S. Together, they explore how financial advisors can unlock scalable growth and profitability by identifying and removing hidden bottlenecks in their practice. Jon draws from decades of hands-on consulting experience to discuss why most advisors get stuck below the million-dollar ceiling—and how to break through it by focusing on revenue per client, team optimization, and ideal client acquisition.

This episode is a must-listen for growth-minded, AUM-based financial advisors who want to scale with intention, maximize profitability, and finally run their firms like CEOs.

Key Takeaways:

● 📈 Revenue per Client Matters: Advisors focused only on AUM miss the bigger picture—optimizing revenue per client is the true lever for growth.

● 🧠 Break the Comfort Habit: Most advisors resist change due to mental conditioning. Identifying this bias is the first step to scaling effectively.

● ⏳ Capacity is Your Real Constraint: Too many clients—especially unprofitable ones—clog growth. Solving this can unlock massive opportunity.

● 💼 Scaling Doesn’t Require a Giant Team: You can double or triple revenue by going deeper with top clients—not always by adding headcount.

● 💸 Profitability ≠ Big Revenue: Even Barron’s Top 100 firms struggle with margins. Smart segmentation and delegation are essential.

Quotes from Jon Randall:

● "It’s way more efficient to light money on fire in the parking lot than to work with unprofitable clients."

● "Advisors hold onto low-revenue clients like a child holds onto a security blanket."

● "Capacity issues aren’t just slowing you down—they’re suffocating your growth."

🔗 Conclusion:

This episode offers a candid, expert look into the silent constraints sabotaging advisory firms—and how to fix them for lasting success.

Connect with Jon:

Website:  https://www.xfa.coach/

LinkedIn: https://www.linkedin.com/in/jonrandallcmc/

LinkedIn:  https://www.linkedin.com/company/xfa-coach/

Facebook:  https://www.facebook.com/XFA.COACH

Instagram:  https://www.instagram.com/xfa.coach

YouTube:  https://www.youtube.com/@xfacoach

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Erik Brenner, CFP®, President & CEO of Hilltop Wealth and Tax Solutions. Together, they explore the complexities of transitioning from wealth accumulation to wealth distribution, sharing valuable insights and practical strategies for listeners. Erik draws from over 30 years of experience to discuss tax mitigation, retirement pitfalls, the Personal CFO model, and the challenges facing today’s high‑net‑worth families, offering actionable advice for anyone navigating the modern financial landscape. This episode is a must-listen for high‑net‑worth individuals, business owners, physicians, and advisors seeking deeper planning insights, providing both knowledge and tools to make smarter decisions on the way down the financial mountain.

Key Takeaways:

● 💼 Retirement Isn’t What It Used to Be: Today’s retirees face far more complexity—fewer pensions, more choices, and higher stakes.

● 🧭 The “Coming Down the Mountain” Risk: Most financial mistakes happen during the distribution phase, not the accumulation phase.

● 🧾 Tax Mitigation - Tax Planning: Erik explains why minimizing taxes this year—not deferring them—is essential for high-income and high‑net‑worth individuals.

● 🏛️ The Power of the Personal CFO Model: Comprehensive planning that integrates investments, tax, and estate strategy leads to better long-term outcomes.

● 🌅 Secure Act Changes Everything: New laws have reshaped inheritance, RMDs, and Roth strategy—making guidance more important than ever.

Quotes from Erik Brenner:

● “It’s not your parents’ or grandparents’ retirement anymore.”

● “Most deaths in mountain climbing happen on the way down—and financially, it’s no different.”

● “Tax mitigation means reducing tax today and never paying it back—not just kicking it down the road.”

🔗 Conclusion: Navigating wealth today requires more than investment management—it requires a coordinated, strategic Personal CFO guiding every major financial decision.

Connect with Erik:

Website: https://hilltopwealthtax.com/

LinkedIn: https://www.linkedin.com/in/erikbrenner/

LinkedIn:  https://www.linkedin.com/company/hilltopwealthtax/

Facebook: https://www.facebook.com/hilltopwealthtax

Instagram: https://www.instagram.com/hilltopwealthtax/

YouTube: https://www.youtube.com/@HilltopWealthTaxSolutions

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Clark Richard, Co-Founder and CEO of Vineyard Global Advisors. Together, they explore a client-first approach to risk, portfolio design, and long-term planning, sharing valuable insights and practical tips for listeners. Clark draws from his extensive experience building financial businesses and guiding ultra-affluent families to discuss how to align wealth strategy with real-life goals, offering actionable advice for advisors who serve high net worth clients. This episode is a must-listen for financial advisors managing assets under management (AUM), providing both knowledge and tools to navigate planning, risk, and client expectations with greater confidence.

Key Takeaways:

• 📉 Risk Reimagined: True risk isn't volatility—it’s the probability of not achieving your goals. Clark explains how he reframes risk for clients.

• 🧮 Planning-First Philosophy: Start with goals, not products. Clark shows how planning leads investment strategy—not the other way around.

• 💼 Tailored Portfolios: How time-segmented strategies help align liquidity, volatility, and long-term growth in client portfolios.

• 🏛️ Private Market Insights: When and how private credit, private equity, and interval funds fit into high net worth portfolios.

• 🧾 Tax and Estate Integration: Why most financial plans fail to connect taxes, estate planning, and portfolio strategy—and how to fix it.

Quotes from Clark Richard:

• "Volatility is just one measure of risk. We define risk as the probability of not meeting your financial objectives."

• "Structure follows strategy. Without an integrated plan, even good ideas can fail to deliver."

• "It's not what you make. It’s what you keep."

🔗 Conclusion:

This episode challenges traditional thinking and equips advisors with a framework to better serve high net worth clients—by integrating planning, risk management, and wealth strategy into one cohesive approach.

Connect with Clark:

Website:  http://www.vineyardglobaladvisors.com/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Neil Twa, CEO of Voltage Holdings and a leading expert in building and exiting Amazon FBA brands. Together, they explore the world of e-commerce entrepreneurship, sharing valuable insights and practical tips for listeners. Neil draws from his extensive experience — over $100M in online sales and 1,000+ brand launches — to discuss how professionals can transition from the corporate grind to profitable brand owners, offering actionable advice for aspiring entrepreneurs and financial advisors supporting clients on that journey.

This episode is a must-listen for anyone exploring new income streams, business ownership, or alternative asset strategies, providing both knowledge and tools to navigate this high-potential space.

Key Takeaways:

● 🔍 Amazon as an Opportunity Channel: Amazon isn’t just a marketplace — it’s a logistics machine and data-driven engine that can create scalable income.

● 🧠 From Employee to Operator: Why Neil believes training operators instead of hiring employees is the future of sustainable, exitable businesses.

● 💰 Start with Demand, Not Ideas: Product success doesn’t start with invention — it starts with data. Neil explains how his "Greenlight" tool identifies winning products.

● 🛠 Build for Exit from Day One: Learn how to design a business that not only cash flows, but is also attractive to private equity buyers down the road.

● 🔁 Profit-Driven Priorities: “Revenue is vanity. Profit is sanity.” Neil emphasizes why knowing your numbers and cash flow is key to long-term success.

Quotes from Neil Twa:

● “We don’t marry our products — we marry the data that leads us to demand.” ● “Cash flow is king, revenue is vanity, and profit is sanity.” ● “If you're not prioritizing your time, you're choosing to stay stuck — change starts with where you place your energy.”

🔗 Conclusion: If you're looking to build a real, scalable business — or help your clients do the same — this episode delivers the strategy, mindset, and blueprint to make it happen. Connect with Neil at voltagedm.com and explore his book Almost Automated Income to dive deeper into the model.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to a fan favorite episode of Sterling Insights:  Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk.  In this episode, Roger sits down with Eric D. Brotman and discusses client needs.

Eric D. Brotman, CFP®, is the CEO of BFG Financial Advisors in Maryland. He started in the financial planning industry in 1994 and launched a start-up in 2003 which has grown to over 20 employees and $700,000,000 in assets under management.  He’s the author of three books including the award-winning "Don't Retire...Graduate!" and hosts a podcast by that same name.

Here are some highlights from the episode:

·      Eric emphasizes the importance of their ensemble model where all CFPs work collectively, and clients are clients of the firm rather than individual advisors. 

·      Eric discusses his firm's commitment to delivering uniquely crafted financial plans through manual entry processes which sets them apart from automated and generic financial planning services.

·      Eric explains his firm prioritizes client needs over asset levels. Their client-centric approach, coupled with strategic business development efforts like referrals and corporate financial wellness programs, has contributed to the firm's high client retention rate and significant growth.

Connect with Eric:

Website: https://bfgfa.com/

Social media links: 

Facebook:  https://www.facebook.com/BFGFinancialAdvisors/

Facebook:https://www.facebook.com/DontRetireGraduate

X:  https://twitter.com/brotmanplanning

Linkedin:  https://www.linkedin.com/company/bfgfa/

LinkedIn:  https://www.linkedin.com/in/ebrotman/

Instagram:  https://www.instagram.com/dontretiregraduate/

Instagram:  https://www.instagram.com/bfgfinancialadvisors/

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

• 💡 Why Most Businesses Don’t Sell: Discover the shocking statistic that 80% of businesses fail to sell—and the reasons why.
• 📉 Avoiding Seller’s Regret: Learn why 75% of business owners regret selling within a year, and how to avoid becoming one of them.
• 💼 What Buyers Actually Want: Understand the factors that make a business attractive and sellable from a buyer’s perspective.
• 🧠 Mindset Shifts Around Wealth: Hear how advisors like Stephen help clients redefine “enough” and build confidence around financial independence.
• 🧾 Using Charitable Planning to Lower Taxes: Explore how smart charitable strategies can reduce taxes andincrease impact—without shortchanging your legacy.

• “You’ve worked all your life on this business—and 80% of the time, it has little or no value to someone else.”
• “We help clients become replaceable in their own business. That’s what makes it truly sellable.”
• “It’s not the number of zeros in your account—it’s the person behind them that matters most.”

 💬 Quotes from Stephen H. Wagner:

 🔗 Conclusion:

Whether you're a business owner eyeing retirement or an advisor serving high-net-worth clients, this episode will change the way you think about wealth, legacy, and the value of intentional exit planning.

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Navigating H.O.P.E., Dr. Jaime Hope sits down with Dr. Merle Griff, founder and CEO of SarahCare Senior Solutions and a leading expert in intergenerational play and care. Together, they explore the importance of fostering intergenerational connections and sharing insights and tips for caregivers. Dr. Griff draws from her extensive experience to discuss how integrating children and seniors in shared spaces can transform lives, offering actionable advice for families, caregivers, and communities. This episode is a must-listen for anyone navigating caregiving, whether for a parent, grandparent, or loved one, providing both knowledge and tools to approach this journey with empathy and resilience.

Key Takeaways:

👶 Intergenerational Connection: How programs like Rockababies foster healing and meaningful relationships between children and seniors.

🏠 The Value of Adult Daycare: Why adult daycare centers are an affordable, engaging alternative to nursing homes that benefit both seniors and caregivers.

🧘 Small Self-Care Strategies: Easy, actionable ways for caregivers to find moments of peace and refuel during their busy days.

🌱 Teaching Empathy: How children learn compassion by observing their parents care for aging family members.

📋 Organized Help: Tips for accepting support and involving distant family members in caregiving tasks.

Quotes from Dr. Merle Griff:

• "The best way to teach your children empathy is to model it."

• "Take 10 minutes to sit down and enjoy the moment—it’s not going to hurt you. The laundry will still be there."

• "It’s not necessarily the situation that overwhelms us, but how we explain it to ourselves."
  

🔗 Caregiving is a complex but rewarding journey. Dr. Griff’s insights provide practical tools to approach it with compassion, connection, and purpose. To learn more, visit her website for Solace in the Storm or connect with her directly at mgriff@sarahcare.com.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to a fan favorite episode of Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk.  In this episode, Roger sits down with Eric B. Watchorn and discusses financial blind spots.

Eric B. Watchorn, the visionary founder of Watchorn Risk & Wealth Management Corp., is renowned for his expertise in achieving absolute returns on the NASDAQ, NYSE, and LSE. He skillfully integrates a deep understanding of human nature with risk management to enhance wealth-management strategies. Eric offers practical investment and insurance advisory services, guiding clients toward financial success. Based in Victoria, BC, he balances his professional life with personal interests like scuba diving and yoga, embodying a holistic approach to success.

Here’s what to expect on this week’s show:

·      Eric suggests integrating participating whole life insurance into your portfolio to enhance stability and profit potential, especially during market downturns.

·      Eric stresses aligning your investment strategies with your personal and financial circumstances to ensure tax efficiency, asset protection, and sustainable wealth growth.

·      Eric discusses challenging conventional notions about financial planning, seek expert advice, and stay informed about diverse investment opportunities to maximize your financial well-being.

Connect with Eric Watchorn:

Website:  www.wrwmcrop.com

LinkedIn: https://www.linkedin.com/in/eric-b-watchorn-77136937/

Facebook:  https://www.facebook.com/watchornriskandwealth

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Episode 016 of Sterling Insights:  Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk.  In this episode, Roger sits down with Maribeth Kuzmeski and discusses strategic planning and tailored strategies for financial advisors.

Dr. Maribeth Kuzmeski is the President of Red Zone Marketing, a business growth consulting firm focused solely on the financial services industry. Maribeth has written 9 books on marketing and also is an Associate Professor of Marketing at Oklahoma State University and serves on the NIL committee with OSU Athletics. She has a bachelor’s degree from Syracuse University, an MBA from The George Washington University, and a PhD in Business Administration from Oklahoma State University.

Here are some highlights from the episode:

·      Maribeth highlights the power of authentic, unique messaging by showcasing a financial advisory team’s blue-collar values to stand out in a crowded market.

·      Maribeth's success with retirement seminars didn’t happen overnight but was the result of persistence and dedication. Her experience highlights the importance of staying committed to marketing efforts, even when initial attempts don’t yield immediate results.

·      Maribeth emphasizes the importance of tracking and analyzing marketing efforts to gauge their effectiveness. By focusing on measurable strategies, such as social media engagement and click-through rates, businesses can make data-driven decisions, refine their approaches, and allocate resources more efficiently to achieve better results.

Connect with Maribeth:

Website:  https://www.redzonemarketing.com

20 for 20 Videos:  https://www.youtube.com/playlist?list=PL-amRF_Znq10EjwZzvz_ZfVFNUcSmNseG

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

 Michael Martin is a partner and the director of investments and insurance at Legacy Financial Partners. Throughout his career in the financial services industry, Michael’s investment philosophy for his clients has always emphasized the importance of “making money and saving money — as safely as possible.” The cornerstone of his philosophy is a primary objective of risk mitigation and value-added growth. 

Here is what to expect on this week’s show:

• Michael emphasizes the importance of categorizing assets into different types to manage risks effectively. By allocating assets into advisory accounts, safe assets like CDs and annuities, and alternative investments such as real estate or preferred stock, investors can diversify their portfolio and reduce overall risk exposure.

• Michael highlights the significance of long-term financial planning that addresses various aspects like income, taxes, healthcare, investments, and legacy planning. Tailoring strategies to individual client needs, especially those near or in retirement, is crucial for ensuring financial stability and security.

• Michael stresses the importance of understanding clients' emotional responses to financial decisions and guiding them towards making informed choices that align with their goals and values.

Connect with Michael:

Website: https://lfpfinancial.com/

Facebook: https://www.facebook.com/lfpfinancialwpb/

LinkedIn: https://www.linkedin.com/company/legacy-financial-partners/

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, co-host Mike Agol sits down with Christopher Saffron, CPA and Senior Tax Advisor at EEPB, a Houston-based full-service accounting firm. Together, they explore the world of tax planning and family wealth management, sharing valuable insights and practical tips for business owners, professionals, and multi-generational families. Christopher draws from his 17+ years of experience to discuss the nuances of managing high-net-worth clients, the “sacred trust” of being a CPA, and the challenges of delivering precise work in a deadline-driven profession. This episode is a must-listen for business owners, entrepreneurs, and anyone looking to gain clarity in their financial life, providing both knowledge and tools to navigate this essential topic.

Key Takeaways:

● 📊 Strategic Tax Alignment: Why coordinating business and personal tax returns is crucial for avoiding costly missteps.

● 🧾 The CPA as Confidant: How clients share deeply personal information—and the responsibility that comes with it.

● 🕰️ Timing is Everything: Why proactive planning (not last-minute filing) makes all the difference.

● 🌐 Specialized Services: From oil & gas outsourcing to R&D credits—how EEPB offers niche expertise across industries.

● 🤝 Relationship-Driven Success: Why long-term client relationships and understanding family dynamics are key to smart tax planning.

Quotes from Christopher Saffron:

● "Being a CPA is kind of a sacred trust—you’re dealing with people’s lives, not just their numbers."

● "We’re in an industry run by deadlines—April, September, October—and motivating clients early is a big part of our work."

● "Our ideal client is someone we can serve holistically—both business and personal—so we’re not working at cross-purposes."

🔗 Conclusion: Clear, empathetic, and strategy-focused, Christopher gives listeners a behind-the-scenes look at what it really means to be a trusted financial advisor in today’s complex world.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jamie Bush has over 40 years of experience advising clients on complex financial, business, and personal matters. Known for his skill in connecting people and fostering beneficial partnerships, Jamie provides valuable counsel and introduces clients to the right advisors for specific challenges.

His team has contributed to succession planning for prominent New England businesses, including seafood distributors, beverage wholesalers, construction firms, and real estate developers.

Jamie has served on nonprofit boards in healthcare, elderly housing, education, and professional associations. As a member of a prominent political family and an advocate for Boston's underserved communities, he leverages his expertise and experience to elevate the needs of the underprivileged and underrepresented.

Here are some highlights from the episode:

Jamie’s journey highlights the importance of carving your own path and building a unique identity, independent of a prominent family legacy. Aim to define yourself on your own terms.

Jaime's deliberation on entering politics highlights the complex interplay between personal aspirations and familial duties. It's essential to weigh the impact of your choices on both professional ambitions and personal relationships.

Jamie explains, while a noteworthy surname can open doors, true success lies in professionalism and dedication to your craft. Regardless of your background, prioritizing integrity and excellence will set you apart in your field.

Connect with Jamie:

Website:  https://www.bushandcompany.com

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

💸 What if you could legally eliminate most of your clients’ tax burdens while creating new income streams? This episode dives into the strategies that make it possible.

In this episode of Sterling Insights, Roger sits down with Michael D. Aguas, Chief Reignmaker at the Reignstorm Group and a veteran financial strategist. Together, they explore how tax and accounting professionals can unlock massive value for their clients through strategic tax mitigation and alternative investments. Michael draws from his decades of experience to discuss overlooked tax strategies, the power of tax-efficient planning, and how professionals can generate revenue while solving client pain points. This episode is a must-listen for CPAs, financial advisors, and tax professionals looking to deepen their client relationships and grow their practice.

Key Takeaways:

● 💡 Tax Strategy Innovation: Discover how simple structures like LLCs and charitable giving strategies can virtually eliminate capital gains taxes. ● 💼 Partner-Led Wealth Building: Learn how CPAs and advisors can collaborate with Rainstorm to expand services and share in revenue. ● 🏗️ Equipment Leasing Playbook: Understand how a 10% down, tax-deductible equipment leasing strategy turns tax liabilities into cash flow opportunities. ● 🧮 Proven Compliance: Hear how these advanced strategies have survived IRS scrutiny and how clients are protected with audit support. ● 📈 Client Growth Catalyst: See how solving big tax problems builds client loyalty and drives referrals to grow your advisory business.

Quotes from Michael D. Aguas:

● “You, the IRS, and a nonprofit—you get to choose which two win. Who would you pick?” ● “Instead of paying large taxes, we can eliminate the liability, generate monthly income, and even get your initial investment back.” ● “I’ve helped over 500 CPAs and EAs turn tax problems into opportunities—and that’s just the beginning.”

🔗 Conclusion: Whether you're an advisor seeking new revenue or a tax pro looking to deliver elite-level value, Michael Aguas reveals how strategic partnerships and smart planning can change the game for you and your clients.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

LinkedIn:  https://www.linkedin.com/in/jcarothers/

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Katherine sits down with Richard Milella, veteran financial strategist and "advisor to the advisors." Together, they explore the crucial topic of safe money strategies in retirement planning, sharing valuable insights and practical tips for listeners. Richard draws from his 38 years of experience to discuss how emotions influence financial decisions, the risks of traditional retirement strategies, and the importance of proactive planning. This episode is a must-listen for pre-retirees, retirees, and financial professionals seeking a more secure and thoughtful approach to wealth management.

Key Takeaways:

● 💡 Emotion Drives Finance: Richard’s psychology background helps clients navigate the emotional aspects of money—crucial for smart, balanced decision-making.

● 🛡️ Safe Money Strategies Matter: Protecting your assets from loss is just as important as growing them, especially during retirement.

● 📉 Avoid Distribution Mistakes: Failing to adjust from accumulation to distribution phases can lead to unexpected losses and early depletion of retirement funds.

● 🎓 College Costs Can Derail Retirement: Richard’s nonprofit helps families avoid financial traps from student debt that can delay or derail retirement.

● 📊 Personalized Planning Pays Off: A one-size-fits-all financial plan doesn’t work—understanding individual goals and risks is essential.

Quotes from Richard Milella:

● "Money is a very emotional topic... it relates to people’s hopes, their fears, their desires."

● "My mindset is really on growing their money in an environment that would also protect them from losing money."

● "People don’t recognize the difference between accumulating money and taking the money out—and that’s a big mistake."

🔗 Conclusion: Whether you’re planning retirement, helping others with theirs, or just want to protect what you’ve built, Richard Miella’s insights offer clear, grounded steps to do it wisely.

Connect with Richard:

Website:  https://RFMAdvisors.com

Website:  https://safemoney.com/new-york/richard-f-milella/

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, guest host Mike Agol sits down with Kellie Jovane, a seasoned Houston-area Realtor with over 20 years of experience in real estate and property appraisals. Together, they explore the human side of real estate, sharing valuable insights and practical advice for anyone navigating the highs and lows of buying or selling a home. Kellie draws from decades of experience to discuss how life events — from starting a family to facing unexpected transitions — shape real estate decisions, offering compassionate, strategic guidance for clients at every stage. This episode is a must-listen for home buyers, sellers, real estate professionals, and those considering life changes that involve a move, providing both inspiration and actionable tips to navigate the process with confidence.

Key Takeaways:

● 🏠 Real Estate is a Relationship Business: Kellie shares why she treats every client equally, regardless of price point, and how building long-term relationships is the heart of her business.

● 💡 Planning Matters: Life transitions like divorce, retirement, or job relocation can lead to unexpected real estate decisions — and proper planning can make all the difference.

● 🤝 Trusted Advisor Role: Being a Realtor is more than sales — Kellie positions herself as a long-term partner and resource, even years after the sale closes.

● 📣 Marketing with Intention: From social media to brokerage syndication, Kellie discusses her multi-layered strategy to get homes seen and sold quickly.

● 🧭 The Value of Education: Kellie invests in continuous education to better serve clients — including VA, 1031 exchange, and investment property courses — to stay current and provide expert guidance.

Quotes from Kellie Jovane:

● “I’m not looking at the number — I’m looking at the person.”

● “A trusted advisor doesn’t just end at the closing table — they’re a partner for years to come.”

● “There’s always a reason things don’t work out — because something better is waiting.”

🔗 Conclusion:

Whether you're buying your first home or preparing for the next big chapter in life, Kellie Jovane’s client-first philosophy and deep real estate knowledge offer a clear blueprint for building trust and making confident property decisions.

Connect with Kellie:

Website:  www.har.com/KellieJ

Instagram: @KellieJovane_realtor

Linkedin: www.linkedin.com/in/kellie-jovane-99251932

Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian serves RiversEdge Advisors as Partner and Co-founder. Brian leads the overarching strategy and direction of the organization. He is the definition of a servant leader, ensuring the team, and the company, are optimized to deliver exemplary client experience and growth.   

Brian has over two decades of Financial Services experience. Brian is fascinated by the emotional aspects of financial planning and architected RiversEdge’s processes to directly address the role emotions play in financial decisioning

Here are some highlights from the episode:

Brian and Roger stress the importance of early strategic tax planning to ensure successful business exits.

Brian explains It is crucial for business owners to detach emotionally and understand the true market value of their business.

RiversEdge Advisors focuses on creating a supportive partnership with clients to navigate financial complexities and achieve optimal outcomes.

Connect with Brian:

Website:  Riversedgeadvisors.com

Linked in: https://www.linkedin.com/company/riversedgeadvisors

Facebook: https://www.facebook.com/RiversEdgeAdvisorsLLC

Instagram: https://www.instagram.com/riversedgeadvisors_llc/?hl=en

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Lori Van Dusen, founder and CEO of LVW Advisors and author of the Wall Street Journal bestseller Running with Grace. Together, they explore Lori’s fascinating journey from Harvard to Wall Street, the evolution of independent advisory work, and the powerful role of values and resilience in personal and professional growth. Lori draws from her extensive experience to discuss how she’s helping women and next-generation wealth holders take charge of their financial futures, offering actionable advice for advisors and clients alike. This episode is a must-listen for anyone navigating the world of wealth management, succession, or the emotional challenges of significant life transitions.

Key Takeaways: ● 💼 The Power of Client-Centric Advice: Lori’s pioneering approach to advisory work—prioritizing understanding over selling—set her apart and shaped her values-based practice. ● 🌟 Breaking Barriers in a Male-Dominated Field: Despite starting her career as one of only a few women in the room, Lori carved out a path that inspired others to follow. ● 🔍 How to Build Resiliency: Lori shares practical ways to navigate personal and professional setbacks, including insights from her book Running with Grace. ● 🌱 The Future of Wealth Management: Lori highlights how demographic shifts and generational change are transforming the advisory landscape—and how firms can adapt. ● 🤝 The Importance of Collaboration: Lori explains how working with other professionals like RIAs and leveraging team strengths creates better outcomes for clients.

Quotes from Lori Van Dusen: ● “I never really sold stocks, bonds—I never sold anything. I just started gathering information and then gathering assets, and then figuring out what was broken and how to fix it.” ● “I’m a business development person. So it’s really for me where I’ve ended up as a result of some really sudden, tragic losses… The business ran really without me.” ● “My book became a form of philanthropy to me… It’s a way to pay forward what I’ve learned in business and life.”

🔗 Conclusion: Lori Van Dusen’s story is a powerful testament to resilience, values-driven leadership, and the importance of meeting clients where they are. Don’t miss this episode!

Connect with Lori Van Dusen:

Website:  https://lvwadvisors.com/

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Rexford Cattanch sits down with Scott Ruhsam, Partner at Kennedy & Ruhsam Law and a highly experienced estate planning and probate attorney. Together, they explore the complexities of wills, trusts, and trust administration, sharing valuable insights and practical tips for listeners. Scott draws from his extensive experience to discuss common pitfalls, family conflict, and how to create plans that actually work in real life, offering actionable advice for anyone thinking about their estate or handling one now. This episode is a must-listen for business owners, families planning for the future, and anyone navigating estate administration, providing both knowledge and tools to make smarter, more effective decisions.

Key Takeaways: ● 🏠 Trusts Over Wills Post-COVID: COVID highlighted the advantages of revocable trusts for simplifying estate settlement. ● 🤝 Professional Fiduciaries Save Time and Money: Neutral fiduciaries can navigate family conflict and maximize value without bias. ● 📈 Clear Business Planning is Critical: Buy-sell agreements and accounting practices are essential to avoid costly disputes later. ● 💡 Creative Conflict Resolution: Unique strategies—like family auctions—can prevent small issues from turning into expensive fights. ● 🗂️ Probate Demystified: Scott walks through exactly what to expect in the first weeks and months of settling an estate.

Quotes from Scott Ruhsam: ● "Probate itself isn’t the problem—it’s litigation that turns it into a nightmare." ● "As a professional fiduciary, I’m here to be neutral and maximize value for everyone." ● "It’s not just about drafting documents—it’s about making sure your plan is practical and actually works when it matters most."

🔗 Conclusion: Scott Ruhsam’s insights offer clarity, confidence, and practical tools for estate planning that goes beyond the paperwork and truly protects your legacy.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

What if your financial advisor truly understood your life—not just your money? In this episode of Sterling Insights, Roger sits down with Melissa Bouchillon, Co-Founder of SoundView Wealth Advisors and a Certified Financial Planner with over 20 years of experience. Together, they explore the power of holistic financial planning, sharing valuable insights and practical tips for building lasting wealth across generations. Melissa draws from her extensive background in both education and finance to discuss the pitfalls of product-driven advice, the need for planning that evolves, and how trust transforms financial relationships, offering actionable guidance for families, professionals, and business owners.

This episode is a must-listen for anyone looking to align their finances with their values—whether you're planning retirement, building wealth, or guiding your family through transitions.

Key Takeaways:

● 📊 Planning Over Products: True financial success is built on evolving plans—not one-size-fits-all investment products.

● 👩‍👧‍👦 Multi-Generational Focus: Helping families across generations requires communication, empathy, and tailored strategies for each life stage.

● 🧠 Mindset Matters: Education, psychology, and behavioral insight are crucial to helping clients make better long-term decisions.

● 💬 Team-Based Support: SoundView’s team model ensures that clients are never left waiting—someone always knows their story.

● 🧰 Preparedness Beats Prediction: With no crystal ball for the market, SoundView builds portfolios that can weather 3–10 years of downturns without panic selling.

Quotes from Melissa Bouchillon:

● "If you just do the right thing for people, take the time to get to know them and truly help them, the word gets out."

● "I'm not a magician—if you're spending too much, something’s got to give."

● "That financial plan isn’t something you set and forget. It’s a living, breathing tool to guide every decision you make."

🔗 Conclusion: Melissa reminds us that great financial advice isn't about outperforming the market—it's about helping people live better lives with confidence, clarity, and care.

Connect with Melissa:

Sound View Wealth Advisors website: https://www.svadvice.com/

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, guest host Charles Trakas sits down with Candy Messer, founder of Affordable Bookkeeping and Payroll Services. Together, they explore what it takes to build and scale a service-based business with a focus on financial compliance, team empowerment, and client peace of mind. Candy draws from over two decades of experience in payroll and bookkeeping to discuss the challenges small business owners face when juggling operations, regulations, and growth—offering actionable advice for entrepreneurs ready to delegate and reclaim their time.

This episode is a must-listen for business owners, service providers, and solo-preneurs looking to streamline their operations and create a business that runs without them.

Key Takeaways:

● 💼 From Side Hustle to Scalable Firm: How Candy went from part-time bookkeeper in 2002 to leading a remote team serving 100+ clients across the U.S.

● 🏢 Compliance is Key: Why ignoring small business requirements like licenses, 1099s, and payroll filings can lead to big trouble—and how her team helps avoid that.

● 🧠 Client Education is Crucial: Why clients are often unaware of the numbers behind their business—and how Candy uncovers the truth behind the profits.

● 💡 The Power of Saying No: A powerful story about choosing staff well-being over high-paying but toxic clients.

● 🕒 Creating Clockwork Freedom: How Candy uses the Clockwork system to design a business that runs without her—so she can spend more time with family.

Quotes from Candy Messer:

● “Every time I talk to you, I feel so much better because I know everything is being handled.”

● “You could be growing your business, but if you're not charging right or tracking labor costs, you're silently losing money.”

● “I had to protect my staff—even if it meant walking away from one of our top revenue clients.”

🔗 Conclusion:

Candy’s story is a blueprint for building a values-driven business: one that grows with integrity, serves with expertise, and empowers both clients and team. If you're ready to free yourself from the daily grind while staying in full control of your business's finances and compliance, this episode will inspire your next steps.

Connect with Candy:

Podcast: https://www.youtube.com/c/CandyMesser

Download our Free Guide to Financial Lingo: https://bit.ly/3bMO9V4

LinkedIn : http://www.linkedin.com/in/candymesser

Website: www.abandp.com

 Free Clockwork Tool: https://bit.ly/ABPTimePod

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Paul Lofties, elite advisor strategist at CEG Worldwide. Together, they explore the massive shift in the expectations of high-net-worth entrepreneurs and what elite financial advisors must do to rise to the occasion. Paul draws from cutting-edge research and decades of experience to discuss how affluent entrepreneurs are outgrowing their advisors, what they’re really looking for now, and how advisors can elevate their practice through the virtual family office model.

This episode is a must-listen for financial advisors aiming to break into or deepen their work with high-net-worth clients, offering both a roadmap and real-world strategies to deliver transformative value.

Key Takeaways:

● 💼 Entrepreneurs Dominate the HNW Space: 90% of clients with over $10M are entrepreneurs — understanding them is essential to growth.

● 📉 60% Plan to Switch Advisors: Affluent entrepreneurs don’t feel served; a major shift is underway, and the door is wide open.

● 🧠 Advisors Must Become Advocates: Success in this space means coordinating a client’s entire wealth ecosystem, not just managing assets.

● 🧩 The Virtual Family Office Model Works: VFOs let independent advisors compete with wirehouses by tapping elite specialists on demand.

● 🧭 Succession Planning Is a Golden Entry Point: Few entrepreneurs have solid plans — this is a high-leverage opportunity for advisors to add value.

Quotes from Paul Lofties:

● "60% of high-net-worth entrepreneurs say they're likely to change advisors in the next two years — that's a massive opportunity."

● "The value proposition they want? Someone who will advocate for them and coordinate across all areas of their wealth."

● "You don’t need to be part of a trillion-dollar firm to deliver world-class value — you need the right structure and the right network."

🔗 Conclusion:

If you want to attract and retain high-net-worth clients, now is the time to evolve. This episode offers the mindset shift and tools to make that leap.

Connect with Paul:

Website: https://go.cegworldwide.com/ceg-sterling-podcast-play-to-win-call

Consultation: www.cegwin.com/sterling

Learn more about your ad choices. Visit megaphone.fm/adchoices

Connect with Karen Cassidy: Website: www.cassidyaccounting.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

🎯 Key Takeaways:

💼 What Structured Notes Really Are: Structured notes are customized debt instruments that link returns to market indices, giving investors targeted exposure while offering downside protection.

🏛️ Why GRATs Work for the Ultra-Wealthy: GRATs enable the tax-free transfer of asset growth beyond a set hurdle rate—ideal for portfolios exceeding $25M.

🔄 How Custom Notes Enable Liquidity & Scalability: By tailoring notes to match annual GRAT payments, Ed’s team helps diversify credit risk and optimize for capital gains tax treatment.

🧠 Analytics Make or Break GRAT Success: Ed’s proprietary backtesting platform shows how different configurations can produce GRAT success rates above 95%.

🔍 Common Misconceptions Around Structured Products: Structured notes aren’t opaque hedge fund bets—they’re designed, collateralized, and executed for stability and transparency when done correctly.

💬 Quotes from Ed Condon:

"Structured notes let you customize the payoff profile to match the specific goals of the GRAT—it's not a one-size-fits-all approach."

"I realized you could unlock GRATs for liquid portfolios by designing illiquid-qualifying assets from scratch."

"The combination of customization, discountability, and predictable performance makes structured notes uniquely suited for wealth transfer."

🔗 Conclusion: If you work with ultra-high-net-worth families or are one, this episode shows how advanced analytics and tailored financial engineering can maximize legacy planning.

Connect with Ed:

Website:  structuredgrat.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Chris Prefontaine, founder of Smart Real Estate Coachand a veteran real estate investor with over 30 years of experience. Together, they explore how to close creative real estate deals without using banks or personal cash, sharing valuable insights and practical tips for listeners. Chris draws from his extensive experience to discuss how creative financing can help investors build wealth while minimizing risk, offering actionable advice for aspiring and seasoned real estate investors. This episode is a must-listen for anyone looking to create financial freedom through real estate without the traditional barriers.

Key Takeaways:

● 🏡 Creative Financing Works: Chris breaks down how owner financing, lease purchases, and subject-to deals allow you to buy properties with little to no money or credit.

● 💬 Motivated Sellers Matter: Success hinges on finding sellers with genuine motivation — not every property is a good fit.

● 🛠️ No Landlord Headaches: By using rent-to-own strategies, you can transfer maintenance and repair responsibilities to tenant-buyers.

● 📈 Three-Payday System: Chris explains how his system generates upfront cash, ongoing cash flow, and a backend profit, all without traditional bank loans.

● 🎯 Stay Focused for Success: The biggest factor in succeeding is avoiding "shiny object syndrome" and committing to a strategy for 3–5 years.

Quotes from Chris Prefontaine:

● "We don’t use banks. We buy only through owner financing, subject-to existing financing, and lease purchase — none of those require gobs of cash or banks."

● "Motivation is key. Without it, you’re wasting time. We look for sellers who need to move, not just want to."

● "Put the blinders on for three to five years. The ones who stay focused are the ones who build real wealth."

🔗 Conclusion:

Chris Prefontaine shows that creative real estate can offer a powerful path to financial freedom — without the traditional barriers of credit, cash, or banks.

Connect with Chris:

Website:  smartrealestatecoach.com/connect

Free Book Request: https://wickedsmartbooks.com/rogersilk

Master’s Class: www.smartrealestatecoach.com/mastersclass 

15-Minute Strategy Call:  www.smartrealestatecoach.com/action 

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Sterling Insights, Roger sits down with Neil Twa, CEO of Voltage Holdings and a leading expert in building and exiting Amazon FBA brands. Together, they explore the world of e-commerce entrepreneurship, sharing valuable insights and practical tips for listeners. Neil draws from his extensive experience — over $100M in online sales and 1,000+ brand launches — to discuss how professionals can transition from the corporate grind to profitable brand owners, offering actionable advice for aspiring entrepreneurs and financial advisors supporting clients on that journey.

This episode is a must-listen for anyone exploring new income streams, business ownership, or alternative asset strategies, providing both knowledge and tools to navigate this high-potential space.

Key Takeaways:

● 🔍 Amazon as an Opportunity Channel: Amazon isn’t just a marketplace — it’s a logistics machine and data-driven engine that can create scalable income.

● 🧠 From Employee to Operator: Why Neil believes training operators instead of hiring employees is the future of sustainable, exitable businesses.

● 💰 Start with Demand, Not Ideas: Product success doesn’t start with invention — it starts with data. Neil explains how his "Greenlight" tool identifies winning products.

● 🛠 Build for Exit from Day One: Learn how to design a business that not only cash flows, but is also attractive to private equity buyers down the road.

● 🔁 Profit-Driven Priorities: “Revenue is vanity. Profit is sanity.” Neil emphasizes why knowing your numbers and cash flow is key to long-term success.

Quotes from Neil Twa:

● “We don’t marry our products — we marry the data that leads us to demand.” ● “Cash flow is king, revenue is vanity, and profit is sanity.” ● “If you're not prioritizing your time, you're choosing to stay stuck — change starts with where you place your energy.”

🔗 Conclusion: If you're looking to build a real, scalable business — or help your clients do the same — this episode delivers the strategy, mindset, and blueprint to make it happen. Connect with Neil at voltagedm.com and explore his book Almost Automated Income to dive deeper into the model.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Episode 22 of Sterling Insights:  Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk.  In this episode, Roger sits down with Richard Parker and discusses Richard’s successful program on buying and selling businesses.

Richard Parker has spent over 30 years helping people turn their dream of business ownership into reality. His renowned program, How To Buy A Good Business At A Great Price, has sold over 100,000 copies across more than 80 countries.

Richard was also a partner with Ray Dalio and the Dalio family office for four years, where he led an investment firm specifically designed for him to mentor one of Ray’s sons in the art of acquiring businesses.

Over the years, Richard has personally acquired 13 companies—plus a co-investment—with purchase prices ranging from $50,000 to over $200 million. His insights have been featured in Forbes, The New York Times, TheStreet.com, Entrepreneur Magazine, Inc., and more, with over 200 published articles to his name.

Here are some highlights from the episode:

·         Richard stresses the value of early preparation when planning to sell a business—resolving operational issues and streamlining processes in advance. Doing so not only boosts the business's appeal to buyers but also increases the chances of a successful sale.

·         Richard advises business owners not to drain too much cash from their business but to reinvest in strong marketing and quality talent. Strategic investments like these can significantly boost the business’s value when it’s time to sell.

·         Richard encourages anyone curious about business ownership to explore the opportunity. He emphasizes that entrepreneurship is within reach for most people and recommends learning what it truly involves before making a decision. 

 Connect with Richard:

YouTube: https://www.youtube.com/@richardparkerdiomo

Facebook: https://www.facebook.com/RichardParkerDiomo

Instagram: https://www.instagram.com/richardparkerdiomo/

Linkedin:  https://www.linkedin.com/in/richardparkerdiomo/

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Gregory Mohr is a Wall Street Journal Best Selling author, entrepreneur, and founder of Franchise Maven. A former engineer turned franchise expert, Gregory has helped over 260 people launch 500+ franchise territories. Through his books and coaching, he empowers others to achieve financial freedom and avoid common pitfalls in business ownership—all with a people-first approach rooted in real-world experience.

Here are some highlights from the episode:

·         Gregory explains why franchising offers a proven business model that appeals to individuals seeking financial success, work-life balance, or a legacy. Potential franchisees should assess their risk tolerance and aspirations to find the right fit.

·         Gregory discusses the importance of having access to a network of professionals to support in making informed decisions when entering the world of franchising.

·         Gregory explains franchise capital requirements vary—some need significant net worth and liquidity, while service-based franchises often have lower barriers to entry and may qualify for SBA Express loans. Many can be run semi-absentee, offering added flexibility for owners.

Connect with Gregory:

Website:  https://www.franchisemaven.com/

X:  https://x.com/Franchise_Maven

LinkedIn:  https://www.linkedin.com/in/gregorykmohr/

Instagram:  https://www.instagram.com/franchisemaven/

Facebook:  https://www.facebook.com/FranchiseMaven

YouTube:  https://www.youtube.com/@Franchise_Maven

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Mastering E-commerce Fraud Protection

Welcome to Episode 020 of Sterling Insights:  Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk.  In this episode, Roger sits down with Dylan Gaines and discusses the importance of fraud protection in e-commerce.

Dylan Gaines is the President and co-founder of International Payments Solutions (IPS), a boutique firm specializing in payment processing. With over two decades of industry experience, he launched IPS in 2005 with Chris Gaines, focusing on innovative solutions for e-commerce, retail, and nonprofit merchants.

Beyond IPS, Dylan mentors local entrepreneurs and founded The Entrepreneur Club in Clearwater Beach to foster peer-to-peer support.

A recognized leader in the space, Dylan is known for his deep industry knowledge and commitment to empowering businesses.

Here are some highlights from the episode:

·         Dylan champions personalized service in payment processing, stressing the value of hands-on experts who guide businesses through payments, fraud prevention, and chargeback management.

·         International Payment Solutions focuses on e-commerce businesses, providing expert support to navigate payments, prevent fraud, and optimize digital transactions for better protection and performance.

·         Dylan’s work with entrepreneur clubs and his nonprofit initiative, Payments for a Cause, reflect his commitment to community and social impact—helping business owners turn success into meaningful support for causes they care about.

Connect with Dylan:

Website:  www.intpaysol.com

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Luke Acree is a leadership expert, lead generation specialist, and referral marketing authority who believes strong relationships drive business success. As president of ReminderMedia, he has led the company to over $300 million in sales and secured its place on the Inc. 5000 list for four consecutive years.

He co-hosts Stay Paid, a top-ranked marketing podcast, and has been featured in Entrepreneur, Forbes, Yahoo Finance, and more. A sought-after guest, Luke has appeared on SharkPreneur, Marketing Genius, and Real Estate Rockstars.

Here are some highlights from the episode:

Luke focuses on turning knowledge into action, using his Stay Paid podcast to inspire clients with insights from successful entrepreneurs, motivating them to implement effective marketing strategies.

Luke emphasizes the power of personal values and storytelling in building audience rapport. By integrating the three E’s—Education, Entertainment, and Endearment—into their content, financial advisors can establish expertise, captivate their audience, and strengthen connections.

Luke highlights the importance of consistency in podcasting and marketing. He emphasizes that success isn’t just about intelligence or appearance but about the ability to quickly turn ideas into action.

Connect with Luke:

• Website:  https://remindermedia.com
• Podcast:  https://remindermedia.com/podcast/

Connect with Roger:

• Website:  https://www.sterlingfoundations.com
• Facebook:  https://www.facebook.com/sterlingfoundations/
• Twitter:  https://x.com/SterlingFndMgt?mx=2
• LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Episode 018 of Sterling Insights:  Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk.  In this episode, Roger sits down with Nic DeAngelo and discusses the shrinking stock market.

Nic DeAngelo, known as the "Fixed Income GOAT" in real estate circles, manages a $206M+ portfolio and brings a unique blend of economic insight and real estate expertise to every conversation. As CEO and Founder of Saint Investment Group, he leads a veteran team acquiring institutional-grade real estate assets nationwide, with a portfolio spanning 20+ states, 24 projects, and over 500 loans, raising $100M+ annually.

Here are some highlights from the episode:

·         Nic highlights the concerning trend of the shrinking stock market, with a 45% reduction in companies over the past 30 years.

·         Nic emphasizes the importance of carefully evaluating property investments to achieve high yield targets, often surpassing 18% through diligent underwriting.

·         Nic offers regular webinars and resources through Saint Investment to help investors navigate the complexities of the current market landscape.

Connect with Nic:

LinkTree:  https://linktr.ee/NicDeAngelo

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Unlocking the Power of Referrals: Strategies for Financial Advisors

Welcome to Episode 017 of Sterling Insights:  Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk.  In this episode, Roger sits down with Bill Cates and discusses marketing and referrals within the financial services industry.

Bill Cates is a leading expert in referral-based marketing and client acquisition. As president of Referral Coach International, he has spent over 30 years helping financial professionals achieve exponential growth through compelling value propositions, deeper client engagement, and strategic introductions.

A best-selling author of Get More Referrals Now, Beyond Referrals, Radical Relevance, and The Language of Referrals, Bill also hosts the Top Advisor Podcast, ranked in the top 5% worldwide.

Most importantly, thousands of financial professionals use Bill’s proven system to attract Right-Fit Clients™—and you can, too!

Here are some highlights from the episode:

·         Bill discusses the importance of truly understanding and believing in the value you offer. To be proactive in seeking referrals and spreading your marketing message, it's crucial to embrace the fact that your value is worth sharing.

·         Bill’s approach leverages warm introductions and targeted messaging to multiply top clients through referrals, fueling exponential growth.

·         Bill’s coaching focuses on three key strategies: relevance, reputation, and referrals—helping clients craft compelling messaging, build a strong niche reputation, and master referrals for real results.

Connect with Bill:

Free Guide:  www.ExponentialGrowthGuide.com

Free Resources:  www.ReferralCoach.com/resources

Free Webinar Series:   https://referralcoach.com/3rs-webinar-series/

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Episode 016 of Sterling Insights:  Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk.  In this episode, Roger sits down with Maribeth Kuzmeski and discusses strategic planning and tailored strategies for financial advisors.

Dr. Maribeth Kuzmeski is the President of Red Zone Marketing, a business growth consulting firm focused solely on the financial services industry. Maribeth has written 9 books on marketing and also is an Associate Professor of Marketing at Oklahoma State University and serves on the NIL committee with OSU Athletics. She has a bachelor’s degree from Syracuse University, an MBA from The George Washington University, and a PhD in Business Administration from Oklahoma State University.

Here are some highlights from the episode:

·         Maribeth highlights the power of authentic, unique messaging by showcasing a financial advisory team’s blue-collar values to stand out in a crowded market.

·         Maribeth's success with retirement seminars didn’t happen overnight but was the result of persistence and dedication. Her experience highlights the importance of staying committed to marketing efforts, even when initial attempts don’t yield immediate results.

·         Maribeth emphasizes the importance of tracking and analyzing marketing efforts to gauge their effectiveness. By focusing on measurable strategies, such as social media engagement and click-through rates, businesses can make data-driven decisions, refine their approaches, and allocate resources more efficiently to achieve better results.

Connect with Maribeth:

Website:  https://www.redzonemarketing.com

20 for 20 Videos:  https://www.youtube.com/playlist?list=PL-amRF_Znq10EjwZzvz_ZfVFNUcSmNseG

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Episode 015 of Sterling Insights: Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk. In this episode, Roger sits down with Will Rodriguez and discusses personalized wealth management strategies for pre-retirees and retirees.

Will began his career in the wealth management field in 2012 while working for a large, multi-national firm. It was there that he developed his passion for financial planning. Will joined Briggs Wealth Management in 2019 and services our clients financial planning needs.

Will graduated from the University of Hartford majoring in Finance and Economics. He obtained his MBA shortly thereafter. Will has experience in the financial planning area but also has experience in the real estate and mortgage fields as well. Will has also earned his CFP® designation (Certified Financial Planner).

Here are some highlights from the episode:

·   Will discusses the importance of strategic financial planning, especially for older clients divesting real estate assets. 

·   Will explains the importance of creating tax planning strategies tailored to individual client situations.

·   Will emphasized the firm's commitment to maintaining strong client relationships, meeting with clients regularly, and ensuring that their financial plans remain aligned with their evolving goals and circumstances.

Connect with Will:

Website:  www.briggswealthmgmt.com

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Episode 014 of Sterling Insights:  Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk.  In this episode, Roger sits down with Tom Wall and discusses the shift from wealth accumulation to strategic asset spending in retirement.

Tom Wall has spent 21 years specializing in whole life insurance, starting as an award-winning advisor with Northwestern Mutual before moving to MassMutual. He later held leadership roles in sales and marketing, becoming a renowned storyteller and product expert. Tom earned a Ph.D. in retirement income planning, with research on Whole Life as a Fixed Income Alternative, guided by industry leaders Wade Pfau, Michael Finke, and Stephen Parrish. He now coaches financial advisors, leads the Whole Life Masterminds study group, and authored Permission to Spend, a Wall Street Journal and Amazon International Best Seller. Based in the Boston area, he enjoys golf and travel with his two sons.

Here are some highlights from the episode:

·       Tom stresses the importance of optimizing the fixed income portion of your portfolio to maximize tax advantages and ensure guaranteed growth.

·       Tom emphasizes the importance of refocusing on core principles in financial advising, particularly within the realm of life insurance.

·       Tom discusses the need to separate hype from academically sound strategies, encouraging advisors and consumers to cut through the noise and make informed decisions.

Connect with Guest:

Website:  https://www.wholelifemasterminds.com/

Permission to Spend: Maximize Your Retirement with the Best-Kept Secret in Personal Finance:  https://www.amazon.com/Permission-Spend-Maximize-Retirement-Best-Kept/dp/1959840215/ref=tmm_pap_swatch_0?_encoding=UTF8&dib_tag=se&dib=eyJ2IjoiMSJ9.C4nu5DBVsH93BiXYBJcj_YiwVIOaVeAxmVQfqh8Up5k.BFDAk29SsyUnLZRXzX_Xbe5x5TJDcL078YgpkZMlYFw&qid=1716897081&sr=8-1

LinkedIn:  https://www.linkedin.com/in/tomwall/

Instagram:  https://www.instagram.com/tomwalltalks

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to a bonus episode of Sterling Insights:  Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk.  In this episode, Roger sits down with John Doody and discusses gold mining stocks.

John Doody stands as the world's foremost independent analyst in the gold mining industry, renowned for his in-depth insights and expertise. With a solid academic foundation in economics from Columbia University and an MBA in finance from Boston University, John enriched his knowledge through PhD work and two decades of teaching economics, before pivoting to a successful career with his influential publication, Gold Stock Analyst. Now focusing on his latest endeavor, John Duty's Fave Five Gold Stocks, he prioritizes identifying gold deposits capable of sustaining production for a decade, ensuring long-term viability and profitability.

Here are some highlights from the episode:

·         John discusses the importance of investing in regions with stable political climates and clear ownership titles to mitigate risks and ensure profitability.

·         John's methodical approach involves thorough data analysis to evaluate the profitability of gold mining stocks accurately.

·         John highlights the significance of assessing the quality of management in gold mining companies. Competent leadership plays a pivotal role in the success of mining operations.

Connect with John:

Website: https://johndoodysfave5.com

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Episode 013 of Sterling Insights:  Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk.  In this episode, Roger sits down with Steve Erfle and discusses Thrive Wealth Management’s focus on client relationships, tailored strategies for executives, and using wealth for happiness and impact.

Steve Erfle, CFP® and CDFA®, is a financial planner helping individuals and families gain confidence in managing their wealth. With experience at SEI Investments, Legacy Advisors, and United Capital, he has advised high-net-worth clients on comprehensive financial planning. In 2013, he co-founded Thrive Wealth Management, a fiduciary firm focused on personalized, client-first strategies.

Here are some highlights from the episode:

·         Steve emphasizes the importance of cultivating genuine connections with clients. He explains establishing a deep and meaningful bond with clients goes beyond just financial transactions, leading to more rewarding and impactful interactions.

Bullet

·         Steve discusses why a well-structured plan with diversification and tax strategies can help reduce the risks of concentrated positions.

·         Steve explains donor advised funds offer a flexible and tax-efficient way for individuals with concentrated assets to support charitable causes.

Connect with Steve:

Website: https://thrivewealth.com/

Facebook:  https://www.facebook.com/thrivewealth/

LinkedIn:  https://www.linkedin.com/company/thrive-wealth-management-llc/

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Achieving Business Growth Through Entrepreneurial Operating System

Welcome to Episode 012 of Sterling Insights: Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk. In this episode, Roger sits down with Jamie Cornehlsen and discusses implementing the Entrepreneurial Operating System

Jamie’s entrepreneurial spirit sparked early—at 10, he sold coffee and donuts to drivers during the 1979 oil embargo. In 2001, he built a mutual fund business, scaling it to $219 million with EOS®. In 2010, he founded Fitter Financials to help advisors and entrepreneurs use EOS to grow their businesses and reclaim their freedom. Having worked with 80+ entrepreneurs, Jamie loves helping people align with their passion, purpose, and potential.

Here are some highlights from the episode:

• Jamie discusses implementing clear accountability measures and conducting weekly meetings can enhance execution and maintain focus within the firm.

• Jamie explains supporting employees' growth fosters empowerment and drives organizational success.

• As a coach, an advisor helps business owners define their vision, set goals, and achieve them while balancing daily operations with strategic growth.

Connect with Jamie:

Website: https://www.eosworldwide.com/jamie-cornehlsen

Connect with Roger:

Website: https://www.sterlingfoundations.com

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk. In this episode, Roger sits down with Susan Chesson and discusses professional growth.

Susan is a wealth advisor at Buckingham Strategic Wealth, providing comprehensive investment management and advanced financial planning to high net worth individuals and families. She also serves on Buckingham's Advisory Council and is a former member of the Investment Policy Committee.

After fifteen years working in investing, banking and finance at Fannie Mae, Freddie Mac, Capital One and the Federal Reserve Board, Susan acquired the Certified Financial Planner designation and made a long-planned career change to become a wealth manager. Susan also holds the Certified Private Wealth Advisor designation. She enjoys helping clients understand their entire financial picture and finding creative planning solutions to help them achieve their goals.

Here’s what to expect on this week’s show:

• Susan transitioned from studying French and Russian literature to a career in finance after realizing the limitations of a liberal arts degree; She pursued an MBA in finance at the University of Texas to realign with her career goals.

• Susan acknowledges the breadth of knowledge needed for financial advising and encourages others to pursue additional knowledge beyond formal education to excel in their field.

• Susan's financial planning philosophy focuses on providing personalized solutions tailored to individual clients' goals.

• Susan encourages other to balance passion, curiosity, and long-term satisfaction when considering career transitions.

Connect with Susan:

Website: https://www.buckinghamstrategicwealth.com/

LinkedIn: https://www.linkedin.com/in/susan-chesson-cfp%C2%AE-cpwa%C2%AE-1483bb1/

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian serves RiversEdge Advisors as Partner and Co-founder. Brian leads the overarching strategy and direction of the organization. He is the definition of a servant leader, ensuring the team, and the company, are optimized to deliver exemplary client experience and growth.

Brian has over two decades of Financial Services experience. Brian is fascinated by the emotional aspects of financial planning and architected RiversEdge’s processes to directly address the role emotions play in financial decisioning

Here are some highlights from the episode:

• Brian and Roger stress the importance of early strategic tax planning to ensure successful business exits.

• Brian explains It is crucial for business owners to detach emotionally and understand the true market value of their business.

• RiversEdge Advisors focuses on creating a supportive partnership with clients to navigate financial complexities and achieve optimal outcomes.

Connect with Brian:

Website: Riversedgeadvisors.com

Linked in: https://www.linkedin.com/company/riversedgeadvisors

Facebook: https://www.facebook.com/RiversEdgeAdvisorsLLC

Instagram: https://www.instagram.com/riversedgeadvisors_llc/?hl=en

Connect with Roger:

Website: https://www.sterlingfoundations.com

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Episode 010 of Sterling Insights: Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk. In this episode, Roger sits down with Seth Greene and discusses marketing strategies.

Seth Greene is the nation’s foremost authority on how to grow your business with 50 DREAM affiliates and our founder, growing us to the Inc 5000 list in 2023. He is the co-host of the Sharkpreneur podcast with Shark Tank’s Kevin Harrington, which was named the number 6 business podcast to listen to. Seth is a 9 time best selling author who has been interviewed on NBC news, CBS news, Forbes, Inc, CBS Moneywatch, and the only person in history to be nominated three years in a row for the prestigious GKIC Marketer of the Year award. Seth is a serial entrepreneur and has founded four successful businesses.

Here are some highlights from the episode:

• Seth discusses aligning your recommendations with your actions by investing in the same strategies you propose to clients which instills confidence and trust in your expertise.

• Seth explains it is important to understand and address the concerns and goals of high net worth clients regarding wealth preservation, tailoring your marketing strategies and services to meet their specific needs.

• Seth stresses the importance of continuously educating clients about the breadth of services you offer, highlighting your unique selling points to differentiate yourself in a competitive market.

Connect with Seth:

Website:  https://www.marketdominationllc.com

LinkedIn:  https://www.linkedin.com/in/sethgreene/

LinkedIn:  https://www.linkedin.com/company/market-domination-llc

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Episode 009 of Sterling Insights: Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk. In this episode, Roger sits down with Jamie Bush and discusses how his family's political legacy shaped his aspirations and decisions.

Jamie Bush has over 40 years of experience advising clients on complex financial, business, and personal matters. Known for his skill in connecting people and fostering beneficial partnerships, Jamie provides valuable counsel and introduces clients to the right advisors for specific challenges.

His team has contributed to succession planning for prominent New England businesses, including seafood distributors, beverage wholesalers, construction firms, and real estate developers.

Jamie has served on nonprofit boards in healthcare, elderly housing, education, and professional associations. As a member of a prominent political family and an advocate for Boston's underserved communities, he leverages his expertise and experience to elevate the needs of the underprivileged and underrepresented.

Here are some highlights from the episode:

• Jamie’s journey highlights the importance of carving your own path and building a unique identity, independent of a prominent family legacy. Aim to define yourself on your own terms.
• Jaime's deliberation on entering politics highlights the complex interplay between personal aspirations and familial duties. It's essential to weigh the impact of your choices on both professional ambitions and personal relationships.
• Jamie explains, while a noteworthy surname can open doors, true success lies in professionalism and dedication to your craft. Regardless of your background, prioritizing integrity and excellence will set you apart in your field.

Connect with Jamie:

Website: https://www.bushandcompany.com

Connect with Roger:

Website: https://www.sterlingfoundations.com

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Getting Ready for the New Year with Roger and Katherine Silk

Welcome to a special New Year Episode of Sterling Insights: Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk. In this episode, Roger and Katherine sits down and discusses setting goals for the new year.

Here are some highlights from the episode:

• Katherine and Roger suggest setting quarterly goals for a more focused approach, instead of overwhelming yourself with year-long resolutions.
• Katherine and Roger recommend adopting the SMART criteria for goal-setting—make goals Specific, Measurable, Actionable, Results-oriented, and Time-bound.
• Treat your goals seriously, similar to athletes with structured routines. Allocate fixed time on specific days to work towards your goals, ensuring that they remain a priority in your daily schedule.

Connect with Roger:

Website: https://www.sterlingfoundations.com

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to a Bonus Episode of Sterling Insights: Sterling Insights: Stand Out & Supercharge Your Assets. In this episode, the tables are turned as Roger and Katherine are interviewed by chief podcast producer Dawn-Michelle Lewis.

Roger D. Silk, Ph.D. , is the CEO of Sterling Foundation Management, LLC and President of Lifetime Perspectives, Inc. Dr. Silk is widely recognized as a leading expert and innovator in the emerging field at the intersection of finance and philanthropy.

Katherine A. Silk, with an M.A. in History and a B.A. in Economics from Stanford University, is a business analyst at Sterling. Previously, she worked at Arthur D. Little on energy, healthcare, and automation projects. Co-author of The Investor’s Dilemma Decoded (Wiley, 2024), Katherine also contributes to the widely-read Sterling Insights blog, covering financial, economic, and planning topics.

Here are some highlights from the episode:

• Roger emphasizes the importance of financial professionals introducing philanthropic tools to clients, helping them achieve both financial and charitable goals effectively.
• Roger and Katherine discuss the use of donor advised funds; a significant trend shaping the landscape of charitable giving. These funds offer a cost-effective alternative to private foundations, making philanthropy accessible to a broader audience.
• The episode also delves into innovative estate planning concepts like "Cryo trusts," showcasing the evolving nature of trusts and their potential for addressing unique scenarios.

Connect with Roger and Katherine:

Website: https://www.sterlingfoundations.com

Sterling Insights Blog: https://trailblazingtwenties.substack.com

The Investor's Dilemma Decoded: https://www.amazon.com/dp/1394220359?ref_=cm_sw_r_cp_ud_dp_KR50DT2RZFWRGZHN9P72

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Episode 008 of Sterling Insights: Sterling Insights: Stand Out & Supercharge Your Assets, hosted by Roger Silk. In this episode, Roger sits down with Stan Miller and discusses leaving a legacy.

Stan Miller is the Managing Partner at Pinnacle Legacy Law—a law firm in Little Rock, Arkansas. Stan is passionate about the power of estate planning, and the positive difference it makes in the lives of Arkansas families. His trademark skill is the ability to listen, first. He then walks his clients through the development of a custom solution for their specific estate planning needs. His second trademark skill is the ability to explain your solution in simple understandable terms, you will know exactly what your plan does.

Here are some highlights from the episode:

• Stan highlights the significance of considering family dynamics in estate planning; it's crucial to ensure comprehensive estate plans that cater to the unique needs of each family member.
• Stan stresses the importance of supplying heirs with the necessary skills to manage their inheritance responsibly. He explains, by instilling values like work ethic and financial prudence, individuals can create a positive legacy that extends beyond monetary wealth.
• Stan expresses his desire to redefine estate planning beyond the distribution of assets. He aims to encourage people to consider how they can transfer non-financial wealth, such as values and family history, to future generations, ultimately shaping a lasting legacy.

Connect with Stan:

Websites: https://pinnaclelegacylaw.com/ , https://www.americanlegacynetwork.com/aln-home1

LinkedIn: https://www.linkedin.com/in/stan-miller-b0783741/

Book: https://www.amazon.com/Your-American-Legacy-Strategies-Generation-ebook/dp/B0BM8D47D4/ref=sr_1_1?crid=38KEYRLXFJ9A&dib=eyJ2IjoiMSJ9.uUDDibM9ABOJORsreZtA7Q.JY_4i68C19N9nw4YtxKcTGU7soQ0bToyHPHVR8vscFw&dib_tag=se&keywords=your+american+legacy+stan+miller&qid=1734110333&sprefix=your+american+legacy+stan+miller%2Caps%2C136&sr=8-1

Connect with Roger:

Website: https://www.sterlingfoundations.com

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Eric D. Brotman, CFP®, is the CEO of BFG Financial Advisors in Maryland. He started in the financial planning industry in 1994 and launched a start-up in 2003 which has grown to over 20 employees and $700,000,000 in assets under management. He’s the author of three books including the award-winning "Don't Retire...Graduate!" and hosts a podcast by that same name.

Here are some highlights from the episode:

• Eric emphasizes the importance of their ensemble model where all CFPs work collectively, and clients are clients of the firm rather than individual advisors.
• Eric discusses his firm's commitment to delivering uniquely crafted financial plans through manual entry processes which sets them apart from automated and generic financial planning services.
• Eric explains his firm prioritizes client needs over asset levels. Their client-centric approach, coupled with strategic business development efforts like referrals and corporate financial wellness programs, has contributed to the firm's high client retention rate and significant growth.

Connect with Eric:

Website: https://bfgfa.com/

Social media links:

Facebook: https://www.facebook.com/BFGFinancialAdvisors/

Facebook: https://www.facebook.com/DontRetireGraduate

X: https://twitter.com/brotmanplanning

LinkedIn: https://www.linkedin.com/company/bfgfa/

LinkedIn: https://www.linkedin.com/in/ebrotman/

Instagram: https://www.instagram.com/dontretiregraduate/

Instagram: https://www.instagram.com/bfgfinancialadvisors/

Connect with Roger:

Website: https://www.sterlingfoundations.com

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Eric B. Watchorn, the visionary founder of Watchorn Risk & Wealth Management Corp., is renowned for his expertise in achieving absolute returns on the NASDAQ, NYSE, and LSE. He skillfully integrates a deep understanding of human nature with risk management to enhance wealth-management strategies. Eric offers practical investment and insurance advisory services, guiding clients toward financial success. Based in Victoria, BC, he balances his professional life with personal interests like scuba diving and yoga, embodying a holistic approach to success.

Here’s what to expect on this week’s show:

• Eric suggests integrating participating whole life insurance into your portfolio to enhance stability and profit potential, especially during market downturns.
• Eric stresses aligning your investment strategies with your personal and financial circumstances to ensure tax efficiency, asset protection, and sustainable wealth growth.
• Eric discusses challenging conventional notions about financial planning, seek expert advice, and stay informed about diverse investment opportunities to maximize your financial well-being.

Connect with Eric Watchorn:

Website: www.wrwmcrop.com

LinkedIn: https://www.linkedin.com/in/eric-b-watchorn-77136937/

Facebook: https://www.facebook.com/watchornriskandwealth

Connect with Roger:

Website: https://www.sterlingfoundations.com

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

John Doody stands as the world's foremost independent analyst in the gold mining industry, renowned for his in-depth insights and expertise. With a solid academic foundation in economics from Columbia University and an MBA in finance from Boston University, John enriched his knowledge through PhD work and two decades of teaching economics, before pivoting to a successful career with his influential publication, Gold Stock Analyst. Now focusing on his latest endeavor, John Duty's Fave Five Gold Stocks, he prioritizes identifying gold deposits capable of sustaining production for a decade, ensuring long-term viability and profitability.

Here are some highlights from the episode:

• John discusses the importance of investing in regions with stable political climates and clear ownership titles to mitigate risks and ensure profitability.
• John's methodical approach involves thorough data analysis to evaluate the profitability of gold mining stocks accurately.
• John highlights the significance of assessing the quality of management in gold mining companies. Competent leadership plays a pivotal role in the success of mining operations.

Connect with John:

Website: https://johndoodysfave5.com

Connect with Roger:

Website: https://www.sterlingfoundations.com

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Gary D. Heldt, Jr., CPA is the owner of Small Business Advisors in Gambrills, Maryland, serving clients in Maryland, Virginia, and Washington, DC. He has more than 30 years of experience providing business owners and individual clients with a wide range of accounting and consulting services. Prior to opening his own firm, Gary worked in accounting at several companies and non-profit organizations. 

While Gary earned the designation of Premier Tax Coach in Anne Arundel County, tax preparation is just a small part of what he does. He says if you only prepare taxes, you’re just recording a client’s history. Gary believes in helping his clients write their tax future, by making their business stronger and advancing themselves financially.

He wants his clients to think of him as their business partner. He’s their trusted advisor, CFO, and much more.  Gary is also the host of Grow Your Business & Grow Your Wealth podcast.

Here’s what to expect on this week’s show:

• Gary stresses the importance of choosing the right entity structure for businesses. By analyzing factors such as profitability and specific business needs, clients can unlock various tax benefits that might not be accessible under a different entity structure.
• Gary explains the distinction between accrual and cash accounting, and why this is an important aspect of tax planning.
• Gary's proactive approach to tax planning involves ongoing client education through webinars and regular tax tips. 

Connect with Gary:

LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

Podcast: https://podcasts.apple.com/us/podcast/grow-your-business-and-grow-your-wealth/id1521874291

Connect with Roger:

Website:  https://www.sterlingfoundations.com

Facebook:  https://www.facebook.com/sterlingfoundations/

Twitter:  https://x.com/SterlingFndMgt?mx=2

LinkedIn:  https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Freddie Rappina is a Financial Advisor and a Chartered Financial Consultant as well as an Accredited Investment Fiduciary™ who founded Opta Financial. Freddie helps clients examine their current financial situation, financial goals, completes a financial analysis, provides recommendations, implements and reviews plans for clients.

Here are some highlights from this week’s show:

• Freddie emphasizes the importance of leveraging investments in real estate and businesses to generate cash flow and accelerate wealth accumulation.
• Instead of solely focusing on accumulating savings, Freddie recommends prioritizing cash flow.
• Freddie's analogy of checkers versus chess highlights the need to adopt a mindset that aligns with wealth-building strategies used by the affluent.

Connect with Freddie:

Website: http://playingthewealthgame.com

Website: http://optafinancial.com

Facebook: https://facebook.com/OptaFinancial

LinkedIn: https://www.linkedin.com/company/opta-financial

Connect with Roger:

Website: https://www.sterlingfoundations.com

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Susan is a wealth advisor at Buckingham Strategic Wealth, providing comprehensive investment management and advanced financial planning to high net worth individuals and families. She also serves on Buckingham's Advisory Council and is a former member of the Investment Policy Committee.

After fifteen years working in investing, banking and finance at Fannie Mae, Freddie Mac, Capital One and the Federal Reserve Board, Susan acquired the Certified Financial Planner designation and made a long-planned career change to become a wealth manager. Susan also holds the Certified Private Wealth Advisor designation. She enjoys helping clients understand their entire financial picture and finding creative planning solutions to help them achieve their goals.

Here’s what to expect on this week’s show:

• Susan transitioned from studying French and Russian literature to a career in finance after realizing the limitations of a liberal arts degree; She pursued an MBA in finance at the University of Texas to realign with her career goals.
• Susan acknowledges the breadth of knowledge needed for financial advising and encourages others to pursue additional knowledge beyond formal education to excel in their field.
• Susan's financial planning philosophy focuses on providing personalized solutions tailored to individual clients' goals.
• Susan encourages other to balance passion, curiosity, and long-term satisfaction when considering career transitions.

Connect with Susan:

Website: https://www.buckinghamstrategicwealth.com/

LinkedIn: https://www.linkedin.com/in/susan-chesson-cfp%C2%AE-cpwa%C2%AE-1483bb1/

Connect with Roger:

Website: https://www.sterlingfoundations.com

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Michael Martin is a partner and the director of investments and insurance at Legacy Financial Partners. Throughout his career in the financial services industry, Michael’s investment philosophy for his clients has always emphasized the importance of “making money and saving money — as safely as possible.” The cornerstone of his philosophy is a primary objective of risk mitigation and value-added growth.

Here is what to expect on this week’s show:

• Michael emphasizes the importance of categorizing assets into different types to manage risks effectively. By allocating assets into advisory accounts, safe assets like CDs and annuities, and alternative investments such as real estate or preferred stock, investors can diversify their portfolio and reduce overall risk exposure.
• Michael highlights the significance of long-term financial planning that addresses various aspects like income, taxes, healthcare, investments, and legacy planning. Tailoring strategies to individual client needs, especially those near or in retirement, is crucial for ensuring financial stability and security.
• Michael stresses the importance of understanding clients' emotional responses to financial decisions and guiding them towards making informed choices that align with their goals and values.

Connect with Michael:

Website: https://lfpfinancial.com/

Facebook: https://www.facebook.com/lfpfinancialwpb/

LinkedIn: https://www.linkedin.com/company/legacy-financial-partners/

Connect with Roger:

Website: https://www.sterlingfoundations.com

Facebook: https://www.facebook.com/sterlingfoundations/

Twitter: https://x.com/SterlingFndMgt?mx=2

LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Tune into Business Insights: Stand Out & Supercharge Your Assets, the premier podcast for financial advisors in growth mode who serve high net worth clients. If you work with clients who own appreciated capital assets and are looking to sell without incurring capital gains taxes, this show is for you. Each episode features insights and strategies from top financial advisors, experienced lawyers, and knowledgeable CPAs. Learn practical solutions to help your clients maximize their wealth while minimizing taxes, and discover how to grow your assets under management. Join us on Business Insights and empower your advisory practice with the knowledge to succeed.