Your Wealth & Beyond

Today, I’m talking to my good friend and serial entrepreneur Aaron Chamberlin. Aaron is a well known chef here in the Phoenix area who has owned a number of restaurants, including Saint Francis, Taco Chelo, and Phoenix Public Market, diversified across industries, and achieved success in a field notorious for its extraordinary challenges. In our conversation, Aaron shares lessons from his 37 years in the restaurant business. You’ll hear the story of how he honed his skills under Jean-Georges Vongerichten, why it’s so common for “successful” restaurants to barely turn a profit, and the hard lessons he learned that helped him experience remarkable growth, personally and professionally, since 2018. Key takeaways: More interview resources can be found on the episode page: https://www.bayntree.com/87 Interview Resources: Watch Episode on YouTubeLinkedInInstagramFacebookTaco CheloInstagramFacebookPhoenix Public Market CafeTempe Public Market CafeGhost RanchMichel RichardJean-Georges VongerichtenDaniel BouludRestaurant DANIELLa Grande Orange GroceryRobert LynnCraig DeMarcoPostinoChelsea's KitchenRadio MilanoGennaro GarciaFife SymingtonScott BarkerCopperstate Farms

Today, I’m talking to Ryan Madrid, co-founder of Bison Ventures and host of the Into The Storm Podcast. After leaving corporate America, he joined VIP Mortgage as the Director of Business Development. Before long he was bringing in one billion in mortgage loan sales on his way to being in the area's top 1% of mortgage lending. In this conversation, Ryan talks about his entrepreneurial journey with deep family roots, how Bison Ventures’ corporate culture has helped them become one of Phoenix’s leading mortgage companies, and the power of building a culture to create great client experiences. Key takeaways: Interview Resources Bison VenturesLinkedInInstagramFacebookLinkedInFacebook InstagramYouTube Apple PodcastsSpotifyInstagramAbbottJohnson & JohnsonVIP MortgageFantasyStuart M. CrawfordBreanna BurtonJeremy WestJay BarbourKeith TeegardinAnthemBrian MooreLiz KlevenTrisha MadridLana Ambrose

If you’re growing a business and a family, you’re probably more than a little familiar with moments of chaos. And if you’re listening to this podcast, you probably know how it feels to have too much on your plate and perhaps wondered how to make positive, powerful shifts in the face of big challenges. Today, I’m excited to introduce you to my friend and mentor Elizabeth Winkler. Elizabeth is a Licensed Marriage and Family Therapist and Certified Meditation Teacher, and her work has helped thousands of people all over the world. In today’s episode, we dig into the power of mindfulness, how to start (and stick to) a meditation practice of your own, and how to use these incredible tools to declutter your mind, tap into your superpowers, and approach everything in your life in flow. Key takeaways: Interview Resources Elizabeth WinklerFacebookLinkedInInstagramTikTokThe Shadow & the Light Podcastdavidji.comCalmInsight TimerDr. Andrew HubermanMichael Singer The Untethered Soul: The Journey Beyond Yourself by Michael A. Singer The Surrender Experiment: My Journey into Life's Perfection by Michael A. SingerJamar RogersThe Voice

For many people, election years bring a lot of stress. That’s especially true in the most recent elections. Media coverage is 24/7, and there are new polls and promises in the headlines, which can cause uncertainty among investors. So today, I’m jumping on the mic with John Gengle, a Financial Advisor at Bayntree Wealth, to discuss what history has taught us about previous election years and what to expect from this one. In our conversation, you’ll hear how changes to which party is in power rarely lead to a significant impact on the economy, how fixed-income investments have been undervalued, and how Congress plays a more critical role in our tax laws and economy than a new President. Key takeaways: 🎯 Are You on Track for Retirement? Take Our Free Quiz to Find Out https://www.bayntree.com/quiz 🚀 Download Your Free Dream Plan Retire Toolkit https://www.bayntree.com/dpr-toolkit/ 📞 Schedule a 15-Minute Call & Start Planning for the Retirement of Your Dreams https://calendly.com/bayntreeteam/dream-plan-retire Music: The Whole World Crashes Down – Astral Orange

Building a successful career in an incredibly competitive real estate market doesn’t happen by accident, especially when your area of expertise is luxury residential real estate. Today’s guest has climbed to the top and is recognized as one of Arizona’s top real estate advisors. As you’ll hear, tremendous success doesn’t happen without developing great partnerships and long-term relationships. Adrian Heyman is a Real Estate Advisor at The Agency, a luxury real estate firm in Scottsdale, AZ. Adrian was The Agency’s top-producing agent from 2018-2021 and reclaimed the title in 2023. In addition to succeeding in Arizona’s real estate markets, he’s also passionate about the Surfrider Foundation and has built a thriving 25-year partnership with his wife. In this conversation, Adrian shares the story of how he came from Australia’s fitness industry to American real estate, how he achieved success in an incredibly competitive industry with a very high failure rate, and what lies ahead in Arizona’s hot luxury real estate market. ‍ Key takeaways: Interview Resources AdrianHeyman.comLinkedInInstagram FacebookThe AgencyInstagramYouTubeFacebookLinkedInX/TwitterMauricio UmanskyBilly RoseSurfrider Foundation

Making the entrepreneurial leap and leaving Corporate America to create your own business is more than a leap of faith. Most new business owners face trials and tribulations along the way. But those who stick with it and believe in themselves can achieve the growth that makes them a success story worth celebrating. Today’s guest is Shannon Breen, and he has a success story that is definitely worth celebrating. Shannon is the Co-CEO and founder of FreightVana, a digital logistics partner powered by technology and built on trust and transparency. In this conversation, Shannon tells the story of how he fell in love with logistics, the two core components that have led to rapid and exponential business growth, and the power of building a great culture with employees who are empowered to be authentic on social media. Key takeaways Interview Resources FreightVanaLinkedInInstagramTikTokX/TwitterFacebookLinkedInJohn GameroDenzel WashingtonDenzel Washington - DeathbedSwift TransportationEntrepreneurs’ OrganizationState Forty Eight FoundationMichael SpangenbergJoshua BreesTrainual

It’s very easy to rack up credit card debt. It’s much more difficult to pay it off and considerably tougher to set yourself up for long-term financial success, to make good long-term decisions, or to avoid falling into classic pitfalls managing debt–especially for younger generations entering the workforce. I’m thrilled to share this conversation with Anne Lester. Anne is a retirement expert, speaker, media commentator, and author of a new book titled How to Save Smart Now for the Future You Want. Anne was the Head of Retirement Solutions for JPMorgan Asset Management for 20 years, where she traveled the country and spoke to tens of thousands of investors. In this episode, Anne shares how she fell in love with the world of finance, why poor financial decisions are often made, and the importance of automating your savings with a 401(k) and creating an emergency savings plan. Key takeaways: Interview Resources: AnneLester.comLinkedInInstagramYouTube Your Best Financial Life: Save Smart Now for the Future You Want by Anne LesterJ.P. MorganThe Crash of 79 by Paul Emil ErdmanThe Silver Bears by Paul E. Erdman

Today, I’m joined by Joe Apfelbaum. Spoiler alert! This episode is jam-packed with energy and passion. If you’re interested in how AI, ChatGPT and LinkedIn can be used to its full potential to grow your businesses, this episode is for you.. Joe Apfelbaum is an accomplished author, speaker, Certified Google Trainer, and the Founder and CEO of Ajax Union. Joe is a B2B marketing and LinkedIn Expert who has helped over 1,100 clients with digital marketing and getting the most out of LinkedIn. In our conversation, you’ll hear why Joe believes all business owners should get to know how to use AI to their advantage, as well as the free tool he’s developed to increase your exposure and connections on LinkedIn. Above all else, you’ll also hear how passionate Joe is about why it’s important to show up with energy and enthusiasm and how the first step to making a positive change, personally and professionally, is making the commitment to yourself and finding ways to hold yourself accountable. Key takeaways: Interview Resources Ajax UnionFacebookX/TwitterInstagramYouTubeLinkedInJoeApfelbaum.comLinkedInFacebookInstagramX/TwitterYouTubeevyAI High Energy Networking: Get anything you want in life while building meaningful relationships that last a lifetime by Joe ApfelbaumEvyrgreen AIOffice Moving Alliance The 6 Pillars of Self-Esteem by Nathaniel BrandenChatGPTOpenAIGoogle BardPi.AIReid HoffmanLinkedInAnthropicClaude.AI

Anyone living in Arizona, Nevada, or Utah has likely seen the TV commercials and the billboards for Andrew The Home Buyer. Today, you’ll get a glimpse of the man who created the company that keeps growing year after year. Kyle Wyloge is a serial entrepreneur and the Founder of Andrew the Home Buyer. After several years of grinding in real estate and building his sales team, he decided to create a TV commercial in 2019. This became a pivotal moment in their growth and marketing strategy with more leads coming to them versus the outbound sales model. Fast forward to today, Kyle has scaled the business to where he could purchase 318 properties last year without speaking to a single seller. In our conversation, you’ll hear how valuable it was to get started before the recession in 2008, how they use CRM to forecast future sales with a scoreboard for sales results in real-time, and why saunas and cold plunges have elevated the culture they’ve built, reduced stress and fosters a healthier and happier lifestyle. Key takeaways: Interview Resources Andrew the Home BuyerLinkedInFacebookInstagramYouTubeTikTokThe Big ShortLerner & RoweFollow Up BossPhoenix OpenRingThe Price is RightZapierOptimyze

It’s fair to say that our education system is flawed, but that’s especially true when it comes to educating kids about money. Financial literacy still isn’t being taught in schools no matter how much we talk about it–and what you do learn is the same stuff that was being taught 20 or 30 years ago. Today’s guest, Vince Shorb, is on a mission to change that. He’s the CEO of the National Financial Educators Council. After spending 15 years in financial services, he’s developed over 2500 financial education programs and is empowering students through financial literacy. Vince’s work has been featured in publications on USA Today, CNBC, Yahoo Finance, Forbes, CNN Money, MarketWatch, Fox Business, Huffington Post, NASDAQ, and Business Insider. In today’s episode, we explore why we have this problem with our education system, how families can teach financial literacy before their kids make major mistakes later in life, and why financial education is so much more than management and budgeting. Key Takeaways: Interview Resources: Vince ShorbNational Financial Educators CouncilFacebookX/Twitter LinkedInLinkedIn The Psychology of Money: Timeless lessons on wealth, greed, and happiness by Morgan Housel

Building online businesses is tough–and closing that first deal can make or break your business. So many of us have been there, but today’s guest found a way through–and he’s here to talk about how he did it. Brian is the co-founder of Rotive, a Salesforce partner that helps small businesses automate their processes through the power of Sales Cloud & Pardot. Brian started with Salesforce in his college days, working in sales and eventually becoming an account executive. In today’s episode, we get into how Brian positioned himself, with a unique focus on YouTube, to become an expert in the Salesforce space–and how you can use the same tactics to become an online expert in your field as you grow (or scale) your business. Key takeaways: Interview Resources RotiveLinkedInYouTubeSalesforceDreamforceLoomSemrushMarketing Cloud Account Engagement (formerly Pardot)MrBeast Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones by James Clear

I’m thrilled to share this conversation with a truly remarkable guest, Travis Rosbach. Travis is a serial entrepreneur, author, coach, speaker and consultant. From his humble beginnings, being raised in a home with very little money to the incredible entrepreneurial journey that has included time as a scuba diving instructor to driving yachts and flying planes, he’s come a long way. Among his many accomplishments, Travis is the inventor and founder of Hydro Flask, one of the largest international brands in the industry today. In this episode, you’ll hear what led Travis to pursue his passion in business, the origin story of how Hydro Flask was created, the early challenges they faced (even when business was booming), and why he believes entrepreneurs are the foundation for growth and prosperity in the US. Key takeaways: Interview Resources Travis RosbachTwitterYouTubeLinkedInHydro FlaskBrian TracyJim RohnPulp FictionSeaborne AirlinesDa HuiStanleyRedpoint Climbers SupplyMountain SupplyPine Mountain SportsDaniel Mcgarigle

On at least one occasion in your life, you’ve probably heard someone say “Your health is your wealth.” But in practice, what does that really mean? How does holistic health and spirituality impact our wellbeing, and what can we do to live longer, happier lives? I’m thrilled to have Dr. Meghana Thanki on the podcast to help answer these questions. Dr. Thanki is a naturopath who specializes in Ayurvedic medicine, a yoga teacher, the owner of Second Nature Clinic, and the author of The Ayurvedic Lens: Magnifying the Mysteries & Abundance of Life. In today’s conversation, Dr. Thanki and I get into the basics of Ayurvedic medicine, how she works with clients with conditions ranging from skin disorders to cancer, and how embracing simplicity leads to happier and healthier lives. Key takeaways: Interview Resources LinkedInSecond Nature ClinicInstagramFacebook The Ayurvedic Lens: Magnifying the Mysteries & Abundance of Life How to Live to 100, Wherever You Are in the World by Dan BuettnerDan BuettnerPeter Attia, MD Outlive: The Science and Art of Longevity by Peter Attia, MD, Bill Gifford

A song is a powerful thing. In just seconds, it can take us back to extremely specific memories–where we were, who we were with, what we felt, and what mattered most to us in that very moment. And in our modern world, we’re always struggling to forge deeper, more emotional bonds with everyone around us. Today’s guest, Brian Mohr, understands that well–and is here to talk about his new startup, anthym. He’s working to use music to help culture-driven organizations create and nurture meaningful relationships amongst their people. The last time Brian was on the show, we talked all about what business owners can learn from the Grateful Dead. Today, we’re talking about the power of music, forging meaningful connections in the workplace, and how this powerful work (and the vulnerability it reveals) can make our lives, both in the office and at home, so much better. Key takeaways: Interview Resources Brian Mohranthym.lifeLinkedInTwitterFacebookLinkedInTwitterInstagram YWB 040: What the Grateful Dead can Teach us about Business with Brian Mohr

Imagine that you’re a few years away from retiring, and you just found out that you’ve been laid off. You’ve been putting money away as best you can, and now you’re really not sure if it’s enough. What do you do? In today’s episode, Andrew Rafal provides a quick list of actionable steps that you can take immediately to better understand what your financial situation looks like, what pre-retirees should consider after losing health benefits and how to get the most out of your 401(k) as you make the transition to the next phase of your life. Key takeaways: Look at your living expenses, both fixed and discretionary. Take inventory of your assets including a 401(k). Understand what your unemployment, health insurance, Social Security benefits are. Things to consider if you have a company pension. Interview Resources COBRA - Continuation of Health Coverage _____________________________________________ Subscribe & Learn More! If you'd like to subscribe for future podcast episodes, Your Wealth and Beyond is available on iTunes, Spotify, iHeart Radio, Overcast, Stitcher, and Google Play. · Listen and subscribe: https://linktr.ee/YourWealthandBeyond · Learn about financial planning: http://www.bayntree.com/ On Social Media? Connect with us! • Facebook: https://www.facebook.com/bayntreewealth/ • Instagram: https://www.instagram.com/bayntreewea... • LinkedIn: https://www.linkedin.com/company/bayn... • Twitter: https://twitter.com/bayntree Music: The Whole World Crashes Down – Astral Orange DISCLOSURE: Investment advice offered through Bayntree Wealth Advisors, LLC, a registered investment adviser. Insurance services offered separately through Bayntree Planning Group, LLC Bayntree does not provide specific legal or tax advice. Please consult with your tax advisor or legal professional for guidance with your individual situation.

When it comes to finding purpose and building wealth, few things matter more than estate planning. While putting it off to tomorrow might seem fine in theory, it could eventually lead to the government making big decisions that could affect your legacy. That’s why I’m thrilled to introduce you to Allison Kierman. Allison has been an estate planning attorney for nearly 20 years, and she has extensive experience helping people understand their goals and the best way to transfer their wealth and legacy. In this episode, you’ll learn all about the common mistakes people make when it comes to estate planning, why a simple written will is almost never enough, and how to build a trust to protect yourself and your assets across generations. In this podcast interview, you’ll learn: · Why thinking you’re invincible and refusing to face the facts is an easy way to set yourself up for disaster later in life. · What happens when a family member leaves nothing but a signed piece of paper deeding out their possessions to their heirs–and why this almost always leads to probate court. · The differences between wills and trusts–and why almost every DIYer misses something. · The importance of having a good team of advisors, when and where attorneys should get involved. · The common misconceptions around protecting inheritance for adult children–and major tax exemptions you can take advantage of along the way.

When we look at 2022 in the rearview mirror, many of us will remember it as a year of inflation, volatility, and extreme uncertainty. So, in the midst of a massive market contraction and financial upheaval, what can you do to ensure you don’t run out of money–especially when it comes to your Social Security? To help me answer that question, I’m thrilled to welcome Professor Larry Kotlikoff back to the podcast. Larry has written over 19 books, and has a passion for helping people make smart, sound financial decisions. With that in mind, we’re talking about Social Security tips and strategies that can save you hundreds of thousands of dollars. We dig into how inflation directly affects Social Security benefits, the money-losing mistakes that so many people make as they approach retirement age, and what we should be doing to create a better financial future for our children and our country. In this podcast interview, you’ll learn: Why most people between the ages of 50 and 62 accidentally leave $182,000–or more–on the table by failing to optimize their Social Security.The importance of planning for worst-case scenarios when it comes to retirement–including living to 100.How to treat (and think about) money in the markets.What makes reverse mortgages and other similar lines of credit so tempting, and so dangerous. Larry’s vision for a more sustainable retirement system. Interview Resources Laurence KotlikoffFollow Laurence Kotlikoff onTwitter|LinkedIn|Facebook Money Magic: An Economist's Secrets to More Money, Less Risk, and a Better Life by Laurence J. Kotlikoff Get What's Yours: The Secrets to Maxing Out Your Social Security (The Get What's Yours Series) by Laurence J. Kotlikoff, Philip MoellerAsk LarryEconomics Matters by Laurence Kotlikoff You’re Hired by Laurence KotlikoffMaxiFi

In today’s episode, we’re talking about Qualified Charitable Distributions (QCD). We’ll be digging into how they work, the do’s and don’ts, and how to make them work for you. And to help leverage QCDs in the best way possible, I’m thrilled to welcome Sarah Brenner to the podcast. Sarah is an IRA Educator and Retirement Distribution Planning Professional. She’s worked with Ed Slott and Company for 7 years and brings over 20 years of experience to this extremely complex field. She’s trained thousands of financial professionals, contributed to several journals and publications and brings a unique legal background to her work. In this conversation, we go deep into QCDs: how to use them, why you should consider using them, and the most common mistakes many retirees make along the way. If you’re close to retirement age or know anyone who’s over the age of 70, I hope you’ll get a lot of value from this episode. In this podcast interview, you’ll learn: What exactly a QCD is and why they’re so overlooked as part of a retirement plan.How you can still take QCDs if you take the standard deduction.The most common problems and misunderstandings with QCDs.Why you should be thinking about QCDs at the beginning–not the end–of each year. Interview Resources Sarah Brenner onLinkedIn Ed Slott’s Elite IRA Advisory GroupBayntree QCD Blog

If you own a home, it’s probably one of the most valuable assets–if not the most valuable asset–in your portfolio. However, it isn’t always the easiest to extract value from. Today’s guest, Matthew Sullivan, is working to change that. He’s the founder of QuantmRE, where he helps homeowners unlock their equity without taking on any additional debt. He’s also creating new opportunities for investors to invest in the equity in those homes–and is expecting over $1 billion to be created or invested in equity agreements in this year. In today’s episode, we dig into why it’s so hard for homeowners to put their equity to work, what makes QuantmRE different from other investing tools, and how he’s created a unique system that benefits homeowners and investors alike. In this podcast interview, you’ll learn: What Matthew learned from working closely with Richard Branson on the Virgin Global Challenger initiative.How QuantmRE compares to cash-out refis and reverse mortgages.Why the QuantmRE model allows investors to still generate positive returns in the event of a loss in property value.What Matthew has learned from his successes (and failures) as a serial entrepreneur. Interview Resources QuantmREMatthew Sullivan onLinkedIn|Twitter|InstagramSir Richard BransonLindstrand Balloons

How do you make the most of the guidance and advice out there, especially if you’re a business owner, and get a clear sense of where you’re going to be in three, 10, or even 20 years? Today, I’m excited to talk to the wealth mentor himself, Jackson Millan. Jackson has spent his entire career shaking up the wealth industry. He’s crafted his very own values-based advice model based on what he learned growing up, and he has a deep understanding of how to think effectively about the long term. In this conversation, Jackson and I discuss how he empowers business owners to work toward financial freedom, how to scale and take your business to the next level, and how to create a three-dimensional roadmap designed to make your dreams come true. In this podcast interview, you’ll learn: Why so many people fail to define financial freedom.Why businesses often consume more money than they provide–and how to reposition those businesses as wealth creation vehicles. How Jackson shares his business’s financial roadmap with his employees and teaches this process to his coaching clients.Why less than 6% of businesses are sold for a profit.Why there’s no quick fix for financial problems–and why Jackson keeps his investing boring and predictable, rather than relying on crypto or meme stocks. How Jackson’s F4 mantra enables his clients to work four days a week, 44 weeks a year, and helps them build businesses that earn $400,000 a year and ultimately generate $4 million in net wealth. Tweetables: “If you do something that you love, you never work a day in your life. And this isn’t work for me, this is just fun.”- Jackson Millan Interview Resources AureusFinancial.comFollow Jackson Millan onFacebook,Instagramand LinkedIn Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine by Mike Michalowicz