Business RadioX ®

Dale Cardwell, TrustDALE, on Protecting Consumers from Fraud

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Dale Cardwell, TrustDALE, on Consumer Fraud Prevention and Choosing Trustworthy Service Providers (North Fulton Business Radio, Episode 931), with host John Ray
North Fulton Business Radio
Dale Cardwell, TrustDALE, on Protecting Consumers from Fraud
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Dale Cardwell, TrustDALE, on Consumer Fraud Prevention and Choosing Trustworthy Service Providers (North Fulton Business Radio, Episode 931), with host John Ray

Dale Cardwell, TrustDALE, on Consumer Fraud Prevention and Choosing Trustworthy Service Providers (North Fulton Business Radio, Episode 931)

On this episode of North Fulton Business Radio, host John Ray welcomes Dale Cardwell, consumer investigator and founder of TrustDALE. Dale moved to Atlanta in 1996 to work as Clark Howard’s producer at WSB-TV Channel 2, where he spent three years helping consumers who had been taken advantage of. Frustrated by only exposing problems after the fact, Dale created TrustDALE in 2009 to prevent consumer fraud before it happens. The company certifies home service providers using a seven-point standard and backs each certified company with a $10,000 guarantee.

Dale shares his FAST FUNDS FOUND DEAL acronym to help consumers identify potential scams based on emotional triggers rather than trying to recognize constantly evolving fraud tactics. He explains how TrustDALE serves as a purchasing resource rather than a shopping site, with 28% of visitors contacting certified companies while on the site, compared to typical conversion rates of 1.5–2% for commerce websites. Dale has helped serve approximately 2.5 million North Georgians and recovered $1.6 million for consumers who hired non-certified companies.

John Ray is the host of North Fulton Business Radio. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and is recorded inside Renasant Bank in Alpharetta.

Key Takeaways from This Episode

  • Dale Cardwell created TrustDALE after seeing the same six consumer fraud patterns repeatedly while working as Clark Howard’s producer at Channel 2
  • The FAST FUNDS FOUND DEAL acronym helps consumers identify potential scams based on emotional red flags: urgency to pay, promises too good to be true, and difficulty finding the business
  • TrustDALE certifies home service companies using a seven-point standard backed by a $10,000 guarantee, with 28% of website visitors becoming leads compared to typical 1.5-2% conversion rates
  • Over 16 years, TrustDALE has served approximately 2.5 million North Georgians and recovered $1.6 million for consumers defrauded by non-certified companies

Topics Discussed in this Episode

00:20 John Ray introduces the show and guest Dale Cardwell
02:09 Dale Cardwell discusses his background as Clark Howard’s producer at Channel 2, WSB Atlanta
03:08 The six common problems consumers face when hiring home service providers
03:29 Creating the seven-point certification standard and $10,000 guarantee in 2009
04:28 Why there is no consumer police to help victims of fraud
06:43 Introduction to the FAST FUNDS FOUND DEAL acronym for identifying scams
08:08 The DEAL acronym: Documentation, Endorsement, Authority, and Litigation
11:27 How to verify company credentials including insurance and business licenses
14:43 Checking online reviews and distinguishing real reviews from fake ones
17:46 The difference between Better Business Bureau ratings and TrustDALE certification
20:56 How TrustDALE prevents problems rather than just reporting them
25:16 How companies pay for TrustDALE endorsement and the value proposition
26:01 Success stories showing 28% conversion rate versus typical 1.5-2% rates
27:46 How to use TrustDALE.com and register purchases for the guarantee
29:07 Importance of contacting companies directly through the TrustDALE website

Dale Cardwell, TrustDALE

Dale Cardwell, TrustDALE, on North Fulton Business Radio with host John Ray
Dale Cardwell, TrustDALE

Dale Cardwell is a six-time Emmy Award-winning journalist, consumer fraud investigator, and founder of TrustDALE.

His career began at WKAG in Hopkinsville, Kentucky, and included prominent investigative roles at CBS affiliates in Birmingham, Alabama; WRAL-TV in Raleigh; and WSMV-TV in Nashville. In 1996, Dale joined WSB-TV in Atlanta, the number one station in the nation’s ninth-largest television market, where he teamed up with consumer advocate Clark Howard. Together they formed one of the nation’s most successful consumer reporting teams. Dale’s investigative work saved Georgians tens of millions of dollars and led to the jailing of some of Atlanta’s most notorious politicians.

In 2009, Dale founded TrustDALE, a free online research and referral site that certifies companies based on a seven-point investigative standard developed from over 30 years of analyzing how consumers get defrauded. Dale also hosts Inside Investigations, a weekly program airing in over 100 television markets across the country.

He and his wife, Angie, a hospice nurse, have raised two grown children and make their home in DeKalb County, Georgia.

LinkedIn

TrustDALE

TrustDALE is a consumer protection service founded in 2009 by six-time Emmy Award-winning consumer investigator Dale Cardwell. The company connects consumers with certified, high-quality home service companies through a transparent seven-point investigative process.

TrustDALE certifies service providers in categories including plumbing, electrical, HVAC, roofing, tree services, and many others. Every certified company signs an agreement placing Dale in charge of resolving disputes through the $10,000 Make It Right Guarantee for home services and the $25,000 Make It Right Guarantee for commercial services.

The platform operates as a purchasing resource rather than a shopping site, achieving a 28% conversion rate compared to typical commerce website rates of 1.5-2%.

Since its founding, TrustDALE has expanded from Atlanta to Tampa, Dallas-Fort Worth, Nashville, Birmingham, and now serves consumers nationwide. The company has helped approximately 2.5 million consumers make informed decisions and has recovered $1.6 million for consumers defrauded by non-certified companies.

Website | Facebook | Instagram | LinkedIn

Renasant Bank supports North Fulton Business Radio

Renasant BankRenasant Bank has humble roots, having started in 1904 as a $100,000 bank located in a Lee County, Mississippi, bakery. Since then, Renasant has grown into one of the Southeast’s strongest financial institutions, boasting over $26 billion in assets and more than 280 offices offering banking, lending, wealth management, and financial services throughout the region. All of Renasant’s success stems from the commitment of each banker to invest in the communities they serve, which in turn helps them better understand the people they serve. At Renasant Bank, their banking professionals understand you because they work and live alongside you every day.

Website | LinkedIn | Facebook | Instagram | X (Twitter) | YouTube

Beyond Computer Solutions supports North Fulton Business Radio

Whether you’re a law firm, medical practice, or manufacturer, there’s one headline you don’t want to make: “Local Business Pays Thousands in Ransom After Cyberattack.” That’s where Beyond Computer Solutions comes in. They help organizations like yours stay out of the news and in business with managed IT and cybersecurity services designed for industries where compliance and reputation matter most.

Whether they serve as your complete IT department or simply support your internal team, they are well-versed in HIPAA, secure document access, written security policies, and other essential aspects that ensure your safety and well-being. Best of all, it starts with a complimentary security assessment.

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

With over 900 episodes and having featured over 1,400 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show invites a diverse range of business, non-profit, and community leaders to share their significant contributions to their respective markets, communities, and professions. There is no discrimination based on company size, and there is never any “pay to play.” North Fulton Business Radio supports and celebrates businesses by sharing positive stories that traditional media ignore. Some media lean left. Some media lean right. We lean business.

John Ray, host of  North Fulton Business Radio, and Owner, Ray Business Advisors
John Ray, host of North Fulton Business Radio and Owner, Ray Business Advisors

John Ray is the host of North Fulton Business Radio. John and the team at North Fulton Business Radio, LLC, an affiliate of Business RadioX®, produce the show, which is recorded inside Renasant Bank in Alpharetta.

The studio is located at 275 South Main Street, Alpharetta, GA 30009.

You can find the entire archive of shows by following this link. The show is accessible on all major podcast apps, such as Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

John Ray, The Generosity MindsetJohn Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants, bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the five-star rated book The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices, praised by readers for its practical insights on raising confidence, value, and prices.

James Daniel on Financial Planning and Tax Strategies

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James Daniel, The Advisory Firm, on Comprehensive Financial Planning, Tax Strategies, and Planning for Retirement (North Fulton Business Radio, Episode 930), with host John Ray
North Fulton Business Radio
James Daniel on Financial Planning and Tax Strategies
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James Daniel, The Advisory Firm, on Comprehensive Financial Planning, Tax Strategies, and Planning for Retirement (North Fulton Business Radio, Episode 930), with host John Ray

James Daniel, The Advisory Firm, on Comprehensive Financial Planning, Tax Strategies, and Planning for Retirement (North Fulton Business Radio, Episode 930)

On this episode of North Fulton Business Radio, host John Ray welcomes James Daniel, owner of The Advisory Firm in Alpharetta. James discusses his journey from electrical engineer to day trader to financial planner, sharing how his father’s experience losing 30% of his retirement savings in the 2000-2002 bear market shaped his planning-focused approach.

James explains his unique practice model that combines financial planning, investment management, and tax preparation under one roof. As an IRS enrolled agent, he provides clients with integrated tax planning throughout the year rather than just transactional tax preparation. He discusses the importance of stress testing retirement plans against different market scenarios, particularly after 16 years of strong bull market returns, and why sequence of returns risk matters more than most people realize.

The conversation covers James’ fee-only fiduciary model, how he helps clients navigate financial noise from social media, and his approach to working with both young professionals and retirees. He emphasizes reverse engineering financial goals and building comprehensive strategies that address investments, taxes, insurance, cash flow, and estate planning.

John Ray is the host of North Fulton Business Radio. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and is recorded inside Renasant Bank in Alpharetta.

Key Takeaways from This Episode

  • James’ father lost 30% of his retirement savings in the 2000-2002 bear market after being placed in highly-rated technology mutual funds, which prompted James to focus on comprehensive retirement planning rather than just investment selection.
  • The Advisory Firm offers a unique “personal CFO” model that combines financial planning, investment management, and tax preparation, allowing clients to work with one professional who understands their complete financial picture and can provide integrated strategies.
  • After 16 years of strong bull market returns, James advises clients to stress test their retirement plans against different scenarios and be realistic about future return expectations, particularly regarding sequence of returns risk when stepping into retirement.
  • James operates as a fee-only fiduciary, which eliminates sales pressure and product commissions, allowing clients to engage for just financial planning if that’s all they need, or add investment management and tax services as appropriate.

Topics Discussed in this Episode

00:20 John Ray introduces the show and guest James Daniel
02:06 James Daniel introduces The Advisory Firm and his financial planning approach
02:51 James’ backstory from electrical engineer to day trader to financial advisor
04:08 His father’s retirement experience and losing 30% in the 2000-2002 bear market
05:31 Learning the business and starting his own practice in 2006
06:20 Lessons from the dot-com bubble and 2008 recession
08:39 James’ engineering background and how process thinking applies to financial planning
09:31 His strategy development approach and reverse engineering financial goals
10:28 What makes James different from other financial planners
11:51 Incorporating tax preparation into his practice
13:25 The value of holistic tax planning versus transactional tax prep
15:43 Current market conditions and advising clients in early 2026
17:30 Walking clients through the retirement decision
19:31 Different ways to work with James and his services
21:23 Starting with a financial plan before managing investments
23:05 When to call a financial planner
23:54 Navigating financial advice on social media
24:39 Success stories from his practice
27:32 Contact information for The Advisory Firm

James Daniel, Founder and CEO, The Advisory Firm, LLC

James Daniel, Founder and CEO, The Advisory Firm, LLC, on North Fulton Business Radio
James Daniel

James is a former engineer, stock trader, brokerage financial advisor and for the past 20 years owner of The Advisory Firm LLC, a fee-only financial planning practice in Alpharetta.

James helps clients with developing their financial life plans with a focus on retirement planning. He personally manages the investment strategy for over $100 million for his clients and does in excess of 100 tax returns annually.

LinkedIn

The Advisory Firm LLC

The Advisory Firm is a fee-only fiduciary financial planning practice in Alpharetta. The firm offers comprehensive financial planning, investment management, and tax preparation services, providing what James Daniel calls a “personal CFO” approach for clients. As an IRS enrolled agent, James integrates tax planning with retirement planning and investment strategy, allowing clients to work with one professional who understands their complete financial picture. The firm serves both young professionals building wealth and retirees managing their financial futures.

Website

Renasant Bank supports North Fulton Business Radio

Renasant BankRenasant Bank has humble roots, having started in 1904 as a $100,000 bank located in a Lee County, Mississippi, bakery. Since then, Renasant has grown into one of the Southeast’s strongest financial institutions, boasting over $26 billion in assets and more than 280 offices offering banking, lending, wealth management, and financial services throughout the region. All of Renasant’s success stems from the commitment of each banker to invest in the communities they serve, which in turn helps them better understand the people they serve. At Renasant Bank, their banking professionals understand you because they work and live alongside you every day.

Website | LinkedIn | Facebook | Instagram | X (Twitter) | YouTube

Beyond Computer Solutions supports North Fulton Business Radio

Whether you’re a law firm, medical practice, or manufacturer, there’s one headline you don’t want to make: “Local Business Pays Thousands in Ransom After Cyberattack.” That’s where Beyond Computer Solutions comes in. They help organizations like yours stay out of the news and in business with managed IT and cybersecurity services designed for industries where compliance and reputation matter most.

Whether they serve as your complete IT department or simply support your internal team, they are well-versed in HIPAA, secure document access, written security policies, and other essential aspects that ensure your safety and well-being. Best of all, it starts with a complimentary security assessment.

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

With over 900 episodes and having featured over 1,400 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show invites a diverse range of business, non-profit, and community leaders to share their significant contributions to their respective markets, communities, and professions. There is no discrimination based on company size, and there is never any “pay to play.” North Fulton Business Radio supports and celebrates businesses by sharing positive stories that traditional media ignore. Some media lean left. Some media lean right. We lean business.

John Ray, host of  North Fulton Business Radio, and Owner, Ray Business Advisors
John Ray, host of North Fulton Business Radio and Owner, Ray Business Advisors

John Ray is the host of North Fulton Business Radio. John and the team at North Fulton Business Radio, LLC, an affiliate of Business RadioX®, produce the show, which is recorded inside Renasant Bank in Alpharetta.

The studio is located at 275 South Main Street, Alpharetta, GA 30009.

You can find the entire archive of shows by following this link. The show is accessible on all major podcast apps, such as Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

John Ray, The Generosity MindsetJohn Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants, bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the five-star rated book The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices, praised by readers for its practical insights on raising confidence, value, and prices.

Julian Jordan on Mobile Pet Grooming in Alpharetta

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Julian Jordan, Aussie Pet Mobile of Alpharetta, on Mobile Dog Grooming, One-on-One Pet Care, and Serving North Fulton Communities (North Fulton Business Radio, Episode 929), with host John Ray
North Fulton Business Radio
Julian Jordan on Mobile Pet Grooming in Alpharetta
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Julian Jordan, Aussie Pet Mobile of Alpharetta, on Mobile Dog Grooming, One-on-One Pet Care, and Serving North Fulton Communities (North Fulton Business Radio, Episode 929), with host John Ray

Julian Jordan, Aussie Pet Mobile of Alpharetta, on Mobile Dog Grooming, One-on-One Pet Care, and Serving North Fulton Communities (North Fulton Business Radio, Episode 929)

On this episode of North Fulton Business Radio, host John Ray welcomes Julian Jordan, owner of Aussie Pet Mobile of Alpharetta. Julian discusses how his mobile grooming service brings professional, salon-quality pet care directly to homes and businesses throughout Alpharetta, Milton, Cumming, Johns Creek, and Peachtree Corners. He explains the convenience factor for busy professionals, work-from-home pet owners, and residents of senior living facilities who need reliable grooming without the stress of transportation.

Julian shares how the mobile grooming experience differs from traditional brick-and-mortar salons, offering one-on-one attention in a climate-controlled Mercedes-Benz Sprinter van equipped with professional grooming tools, heated hydro baths, and premium products, including blueberry facials. He discusses his transition from corporate healthcare to franchise ownership, the importance of building a strong groomer team, and how the service creates a spa-like experience that reduces pet anxiety. Julian also covers grooming schedules for different breeds, safety protocols, and how his AKC-certified groomers handle various pet temperaments.

John Ray is the host of North Fulton Business Radio. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and is recorded inside Renasant Bank in Alpharetta.

Key Takeaways from This Episode

  • Mobile grooming eliminates the stress of transporting pets to traditional salons and provides one-on-one attention in a climate-controlled van with professional equipment
  • Dogs with longer hair, especially doodles, should be groomed every four to six weeks to prevent matting and maintain coat health
  • Aussie Pet Mobile serves senior living facilities throughout North Fulton, providing essential grooming services for residents who cannot easily transport their pets
  • Building pet-groomer relationships takes time, but most dogs become comfortable and even excited to see the grooming van after two visits

Topics Discussed in this Episode

00:21 John Ray introduces the show and guest Julian Jordan
02:13 Julian Jordan introduces Aussie Pet Mobile of Alpharetta
03:21 Julian’s backstory and transition from corporate healthcare to pet grooming
05:13 Why Julian chose an Aussie Pet Mobile franchise
06:05 Business growth and expansion into Milton and Cumming areas
07:11 The value of mobile pet grooming for busy professionals and seniors
08:29 How the grooming appointment process works
10:06 Recommended grooming schedules for different breeds
12:13 Attracting and retaining quality groomers
14:06 How pets respond to mobile grooming versus traditional salons
17:48 Safety protocols and AKC-certified training
21:53 Signs that pet owners should schedule professional grooming
23:46 Success stories serving senior living facilities in North Fulton
26:00 How to contact Aussie Pet Mobile of Alpharetta

Julian Jordan, Owner, Aussie Pet Mobile of Alpharetta

Julian Jordan is the owner of Aussie Pet Mobile of Alpharetta, where he brings a passion for pets, customer service excellence, and community-focused leadership to mobile dog grooming. With a commitment to convenience and compassionate care, Julian has built his business around providing high-quality, cage-free, one-on-one grooming experiences that prioritize each pet’s comfort and well-being.

As a local business owner, Julian dedicates himself to serving the Alpharetta community and surrounding areas, providing a stress-free alternative to traditional grooming salons. Under his leadership, Aussie Pet Mobile of Alpharetta operates with professionalism, reliability, and a strong attention to detail, ensuring pets not only look great but also feel their best.

Building trusted relationships with pet parents, supporting his grooming team, and maintaining high standards of safety and service are deeply important to Julian. His mission is simple: to make pet grooming easier, more personal, and more enjoyable for both pets and their owners.

LinkedIn

Aussie Pet Mobile of Alpharetta

Aussie Pet Mobile of Alpharetta is a professional mobile dog grooming service dedicated to providing a calm, convenient, and high-quality grooming experience right at your doorstep. They specialize in full-service, cage-free grooming with one-on-one care, ensuring every pet receives personalized attention in a safe and stress-free environment.

Their fully equipped grooming vans allow them to deliver salon-quality results without the hassle of drop-offs, long waits, or crowded facilities. From baths and haircuts to nail care and styling, their experienced groomers focus on your pet’s comfort, health, and happiness.

Proudly serving the Alpharetta area and surrounding communities, Aussie Pet Mobile of Alpharetta is committed to helping pets look and feel their best while making life easier for pet parents.

Website | Facebook | Instagram

Renasant Bank supports North Fulton Business Radio

Renasant BankRenasant Bank has humble roots, having started in 1904 as a $100,000 bank located in a Lee County, Mississippi, bakery. Since then, Renasant has grown into one of the Southeast’s strongest financial institutions, boasting over $26 billion in assets and more than 280 offices offering banking, lending, wealth management, and financial services throughout the region. All of Renasant’s success stems from the commitment of each banker to invest in the communities they serve, which in turn helps them better understand the people they serve. At Renasant Bank, their banking professionals understand you because they work and live alongside you every day.

Website | LinkedIn | Facebook | Instagram | X (Twitter) | YouTube

Beyond Computer Solutions supports North Fulton Business Radio

Whether you’re a law firm, medical practice, or manufacturer, there’s one headline you don’t want to make: “Local Business Pays Thousands in Ransom After Cyberattack.” That’s where Beyond Computer Solutions comes in. They help organizations like yours stay out of the news and in business with managed IT and cybersecurity services designed for industries where compliance and reputation matter most.

Whether they serve as your complete IT department or simply support your internal team, they are well-versed in HIPAA, secure document access, written security policies, and other essential aspects that ensure your safety and well-being. Best of all, it starts with a complimentary security assessment.

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

With over 900 episodes and having featured over 1,400 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show invites a diverse range of business, non-profit, and community leaders to share their significant contributions to their respective markets, communities, and professions. There is no discrimination based on company size, and there is never any “pay to play.” North Fulton Business Radio supports and celebrates businesses by sharing positive stories that traditional media ignore. Some media lean left. Some media lean right. We lean business.

John Ray, host of  North Fulton Business Radio, and Owner, Ray Business Advisors
John Ray, host of North Fulton Business Radio and Owner, Ray Business Advisors

John Ray is the host of North Fulton Business Radio. John and the team at North Fulton Business Radio, LLC, an affiliate of Business RadioX®, produce the show, which is recorded inside Renasant Bank in Alpharetta.

The studio is located at 275 South Main Street, Alpharetta, GA 30009.

You can find the entire archive of shows by following this link. The show is accessible on all major podcast apps, such as Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

John Ray, The Generosity MindsetJohn Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants, bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the five-star rated book The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices, praised by readers for its practical insights on raising confidence, value, and prices.

Shawn Lally on Payment Processing Pitfalls and Cash Flow

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Shawn Lally, BizPayPros, on Avoiding Payment Processing Scams and Improving Business Cash Flow (North Fulton Business Radio, Episode 928), with host John Ray
North Fulton Business Radio
Shawn Lally on Payment Processing Pitfalls and Cash Flow
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Shawn Lally, BizPayPros, on Avoiding Payment Processing Scams and Improving Business Cash Flow (North Fulton Business Radio, Episode 928), with host John Ray

Shawn Lally, BizPayPros, on Avoiding Payment Processing Scams and Improving Business Cash Flow (North Fulton Business Radio, Episode 928)

On this episode of North Fulton Business Radio, host John Ray welcomes Shawn Lally, Founder and CEO of BizPayPros. Shawn brings over 21 years of experience in the payment processing industry, helping businesses learn about the complicated world of merchant services, lending solutions, and spend management.

Shawn shares how nefarious practices like exploitative equipment leasing and hidden rate increases plague the payment processing industry. He explains why business owners often pay thousands of dollars for terminals worth only a few hundred and how processors use fine print to raise rates without warning. Shawn discusses the risks of auto-approval processors like Stripe, the importance of choosing software that offers payment processing flexibility, and why local, independent service matters. He also covers BizPayPros’ cash flow and working capital solutions for businesses struggling with accounts receivable and introduces spend management tools that can save hours of daily reconciliation work.

John Ray is the host of North Fulton Business Radio. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and is recorded inside Renasant Bank in Alpharetta.

Key Takeaways from This Episode

  • Equipment leasing scams can cost business owners over $10,000 for terminals that should cost a few hundred dollars, with automatic charges continuing indefinitely after the lease term ends.
  • Payment processors often bury clauses in contracts allowing them to raise rates at any time, making decisions in boardrooms based on algorithms that calculate acceptable customer loss versus revenue gains.
  • Processors that auto-approve accounts without proper underwriting may place holds on funds or shut down businesses unexpectedly when risk profiles don’t align with their portfolio requirements.
  • Payment processing integration with practice management software saved one medical office 2-3 hours daily in reconciliation work, demonstrating that choosing the right processor goes far beyond just saving money on transaction fees.

Topics Discussed in this Episode

00:20 John Ray introduces the show and guest Shawn Lally
02:11 Shawn Lally introduces BizPayPros and how it helps businesses with cash flow
02:59 Shawn’s background and career journey into payment processing
03:01 Starting in the restaurant industry as a busboy and managing partner
04:10 Why nefarious players exist in the payment processing industry
05:21 Restaurant industry experience with payment processing and crash kits
07:41 The importance of local, independent service
07:51 Common deceptive practices in payment processing
08:10 Equipment leasing scams and exploitative contracts
12:01 How to identify trustworthy payment processors
14:25 Choosing payment processing software and avoiding being pigeonholed
15:25 QuickBooks, PayPal, and payment processing integrations
16:08 Auto-approval risks with processors like Stripe
18:40 BizPayPros as an independent broker model
20:39 Cash flow and working capital solutions
21:43 Lending solutions for businesses with accounts receivable issues
24:21 Overcoming inertia to make beneficial changes
26:40 Spend management solutions with virtual and physical cards
29:09 Success story: medical practice saving 2-3 hours daily
31:50 Contact information for BizPayPros

Shawn Lally, Founder/CEO

Shawn Lally is an entrepreneur, payments industry veteran, and strategic advisor with over 20 years of experience helping businesses grow through smarter payment processing, business lending, and financial technology solutions. He is the Owner & CEO of BizPayPros, a B2B-focused merchant services and advisory firm built on transparency, speed, and real-world expertise.

Throughout his career, Shawn has worked across acquiring, processing, ISO channels, and alternative lending, giving him a deep understanding of how financial systems impact business owners at every stage of growth. He specializes in helping clients who need flexible solutions, whether they are navigating complex risk profiles, seeking fast access to capital, or integrating modern payment and POS technologies to improve cash flow and reduce operational friction.

Known for prioritizing relationships, Shawn collaborates closely with business owners, referral partners, and agents across the country to develop solutions that are tailored to their specific operational needs, rather than relying on generic financial products. Through BizPayPros, he has helped numerous businesses unlock working capital, streamline payments, and scale with confidence.

Beyond business, Shawn is passionate about mentorship, personal development, and giving back through his initiative “Payments With A Purpose,” where company growth directly supports ongoing charitable efforts.

LinkedIn

BizPayPros

BizPayPros is a B2B-focused merchant services and financial solutions firm that helps businesses simplify payments, improve cash flow, and access flexible capital. Built on deep industry experience and a consultative approach, the company works with business owners across a wide range of industries to design payment, funding, and spend management solutions aligned with real operational needs.

BizPayPros provides end-to-end support across payment processing, POS and software integrations, spend management, and business lending solutions. This includes options for companies that may not qualify for traditional financing or cannot wait through lengthy approval timelines. By working with multiple acquiring, processing, and funding partners, BizPayPros is able to match clients with solutions based on risk profile, growth stage, and business objectives, rather than forcing one-size-fits-all products.

The firm is known for its hands-on service model and relationship-driven partnerships with referral partners, agents, and strategic alliances nationwide. BizPayPros serves as a long-term advisor to its clients, helping them streamline transactions, unlock working capital, and operate with greater confidence.

In addition to its core services, BizPayPros supports ongoing charitable initiatives through its “Payments With A Purpose” program, where business growth directly contributes to giving back in the communities it serves.

Website | LinkedIn | Facebook | Instagram

Renasant Bank supports North Fulton Business Radio

Renasant BankRenasant Bank has humble roots, having started in 1904 as a $100,000 bank located in a Lee County, Mississippi, bakery. Since then, Renasant has grown into one of the Southeast’s strongest financial institutions, boasting over $26 billion in assets and more than 280 offices offering banking, lending, wealth management, and financial services throughout the region. All of Renasant’s success stems from the commitment of each banker to invest in the communities they serve, which in turn helps them better understand the people they serve. At Renasant Bank, their banking professionals understand you because they work and live alongside you every day.

Website | LinkedIn | Facebook | Instagram | X (Twitter) | YouTube

Beyond Computer Solutions supports North Fulton Business Radio

Whether you’re a law firm, medical practice, or manufacturer, there’s one headline you don’t want to make: “Local Business Pays Thousands in Ransom After Cyberattack.” That’s where Beyond Computer Solutions comes in. They help organizations like yours stay out of the news and in business with managed IT and cybersecurity services designed for industries where compliance and reputation matter most.

Whether they serve as your complete IT department or simply support your internal team, they are well-versed in HIPAA, secure document access, written security policies, and other essential aspects that ensure your safety and well-being. Best of all, it starts with a complimentary security assessment.

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

With over 900 episodes and having featured over 1,400 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show invites a diverse range of business, non-profit, and community leaders to share their significant contributions to their respective markets, communities, and professions. There is no discrimination based on company size, and there is never any “pay to play.” North Fulton Business Radio supports and celebrates businesses by sharing positive stories that traditional media ignore. Some media lean left. Some media lean right. We lean business.

John Ray, host of  North Fulton Business Radio, and Owner, Ray Business Advisors
John Ray, host of North Fulton Business Radio and Owner, Ray Business Advisors

John Ray is the host of North Fulton Business Radio. John and the team at North Fulton Business Radio, LLC, an affiliate of Business RadioX®, produce the show, which is recorded inside Renasant Bank in Alpharetta.

The studio is located at 275 South Main Street, Alpharetta, GA 30009.

You can find the entire archive of shows by following this link. The show is accessible on all major podcast apps, such as Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

John Ray, The Generosity MindsetJohn Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants, bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the five-star rated book The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices, praised by readers for its practical insights on raising confidence, value, and prices.

Dr. Trudy Simmons on Trauma and Mental Health Counseling

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Dr. Trudy Simmons, Milton Counseling & Coaching, on Trauma Recovery, Faith-Based Counseling, Anxiety, Depression, Relationship Restoration, and Ironman Discipline (North Fulton Business Radio, Episode 927), with host John Ray
North Fulton Business Radio
Dr. Trudy Simmons on Trauma and Mental Health Counseling
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Dr. Trudy Simmons, Milton Counseling & Coaching, on Trauma Recovery, Faith-Based Counseling, Anxiety, Depression, Relationship Restoration, and Ironman Discipline (North Fulton Business Radio, Episode 927), with host John Ray

Dr. Trudy Simmons, Milton Counseling & Coaching, on Trauma Recovery, Faith-Based Counseling, Anxiety, Depression, Relationship Restoration, and Ironman Discipline (North Fulton Business Radio, Episode 927)

On this episode of North Fulton Business Radio, host John Ray welcomes Dr. Trudy Simmons, founder of Milton Counseling & Coaching. Dr. Trudy is a counselor, author, speaker, and Ironman world champion athlete who brings a holistic approach to mental and emotional wellness. With a doctorate in counseling and 20 years of experience, she specializes in trauma recovery, emotional regulation, and relationship restoration, blending evidence-based therapeutic practices with biblical truth.

Hearing clients’ stories of defeat and feeling stuck inspired Dr. Trudy to transition from personal trainer to counselor. She explains the difference between counseling (which addresses past trauma) and coaching (which propels clients forward into action). Drawing on her completion of 16 Ironman races, including the Kona World Championship, and a 100-mile race in honor of her late father, she discusses how endurance sports demonstrate that hard things are possible and mirror the discipline needed for life transformation. Dr. Trudy describes her practice serving clients from age 16 to 80, helping them address anxiety, hopelessness, relationship struggles, and feeling stuck in their personal or professional lives.

John Ray is the host of North Fulton Business Radio. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and is recorded inside Renasant Bank in Alpharetta.

Key Takeaways from This Episode

  • Dr. Trudy transitioned from 20 years as a personal trainer to counseling after recognizing she could help people get unstuck not just physically, but mentally, emotionally, and spiritually.
  • Counseling addresses past trauma and helps pull clients out of difficult experiences, while coaching focuses on moving forward and taking action toward future goals.
  • Completing 16 Ironman races, including the Kona World Championship and a 100-mile race, demonstrates that seemingly impossible challenges are achievable with consistency, discipline, and determination.
  • Common signs someone may benefit from counseling include anxiety, loneliness, hopelessness, loss of passion, relationship struggles, and feeling stuck or unable to move forward in life.

Topics Discussed in this Episode

00:20 John Ray introduces the show and guest Dr. Trudy Simmons
02:06 Dr. Trudy Simmons introduces Milton Counseling & Coaching
02:47 Dr. Trudy’s backstory and transition from personal trainer to counselor
03:47 Completing 16 Ironman races and the Kona World Championship
04:38 How endurance sports discipline informs her counseling practice
06:02 The difference between counseling and coaching
08:17 Dr. Trudy’s holistic approach to body, mind, and spirit
11:42 Faith-based counseling and integrating biblical truth with therapy
14:08 Working with emotions and creating safe space for clients
19:24 Signs that indicate someone should seek counseling
20:17 What happens in the first counseling session
21:00 Success stories from Dr. Trudy’s practice
22:39 How to connect with Milton Counseling & Coaching

Dr. Trudy Simmons, PhD

Dr. Trudy Simmons, PhD, is a highly respected counselor, author, speaker, Ironman world champion athlete, and the host and producer of the award-winning Christian talk show The Christian View. As the founder of Milton Counseling and Coaching and The Christian View Media, Inc., she is dedicated to equipping individuals, families, and communities with the tools to live healed, purposeful, and wholehearted lives.

With a doctorate in counseling and decades of clinical experience, Dr. Trudy is known for her compassionate, practical, and faith-centered approach to mental and emotional wellness. She specializes in trauma recovery, emotional regulation, relationship restoration, and mind-body-spirit wholeness. Her work blends evidence-based therapeutic practices with biblical truth, empowering others to break cycles, renew their minds, and step boldly into their God-given purpose.

A fierce endurance athlete, Dr. Trudy has completed 16 Ironman races, competed in the Ironman World Championship in Kona, and finished multiple ultra-distance races—including a 100-mile run. She draws on these transformative athletic experiences to teach principles of perseverance, resilience, and identity, helping others push past limitations and embrace a lifestyle of purpose, discipline, and victory.

Dr. Trudy is a sought-after speaker for women’s events, corporate trainings, leadership retreats, churches, and podcasts. She teaches on topics such as purpose, emotional healing, spiritual formation, overcoming limiting beliefs, leadership development, and becoming “Fit for Purpose” in body, mind, and spirit. Her upcoming book, Fit for Purpose, weaves her personal journey, Ironman discipline, biblical wisdom, and counseling insights into a compelling guide for whole-life transformation.

As a wife, mother of two, and influential voice in Christian media, Dr. Trudy is deeply committed to helping people rewrite their stories, deepen their faith, and live with courage, clarity, and joy. Whether through counseling, coaching, television, writing, or endurance sports, her mission remains the same: to help people heal, grow, and live out the purpose for which they were created.

LinkedIn

Milton Counseling & Coaching

Milton Counseling & Coaching, founded and led by Dr. Trudy Simmons, PhD, is a premier mental and emotional wellness practice dedicated to helping individuals, couples, and families heal, grow, and thrive. Rooted in evidence-based therapeutic practices and a compassionate, faith-informed approach, the practice specializes in trauma recovery, emotional and relational health, anxiety, depression, and whole-person transformation.

With a focus on creating a safe, confidential, and supportive environment, Milton Counseling & Coaching empowers clients to navigate life transitions, rewrite unhealthy patterns, strengthen relationships, and discover renewed purpose and clarity. Through counseling, coaching, workshops, and customized growth plans, the practice equips clients with practical tools to build resilience, cultivate emotional intelligence, and experience long-term change—body, mind, and spirit.

Milton Counseling & Coaching has become known for its warm professionalism, client-centered care, and firm dedication to helping people live emotionally healthy, purpose-driven lives.

Website | Instagram

Renasant Bank supports North Fulton Business Radio

Renasant BankRenasant Bank has humble roots, having started in 1904 as a $100,000 bank located in a Lee County, Mississippi, bakery. Since then, Renasant has grown into one of the Southeast’s strongest financial institutions, boasting over $26 billion in assets and more than 280 offices offering banking, lending, wealth management, and financial services throughout the region. All of Renasant’s success stems from the commitment of each banker to invest in the communities they serve, which in turn helps them better understand the people they serve. At Renasant Bank, their banking professionals understand you because they work and live alongside you every day.

Website | LinkedIn | Facebook | Instagram | X (Twitter) | YouTube

Beyond Computer Solutions supports North Fulton Business Radio

Whether you’re a law firm, medical practice, or manufacturer, there’s one headline you don’t want to make: “Local Business Pays Thousands in Ransom After Cyberattack.” That’s where Beyond Computer Solutions comes in. They help organizations like yours stay out of the news and in business with managed IT and cybersecurity services designed for industries where compliance and reputation matter most.

Whether they serve as your complete IT department or simply support your internal team, they are well-versed in HIPAA, secure document access, written security policies, and other essential aspects that ensure your safety and well-being. Best of all, it starts with a complimentary security assessment.

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

With over 900 episodes and having featured over 1,400 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show invites a diverse range of business, non-profit, and community leaders to share their significant contributions to their respective markets, communities, and professions. There is no discrimination based on company size, and there is never any “pay to play.” North Fulton Business Radio supports and celebrates businesses by sharing positive stories that traditional media ignore. Some media lean left. Some media lean right. We lean business.

John Ray, host of  North Fulton Business Radio, and Owner, Ray Business Advisors
John Ray, host of North Fulton Business Radio and Owner, Ray Business Advisors

John Ray is the host of North Fulton Business Radio. John and the team at North Fulton Business Radio, LLC, an affiliate of Business RadioX®, produce the show, which is recorded inside Renasant Bank in Alpharetta.

The studio is located at 275 South Main Street, Alpharetta, GA 30009.

You can find the entire archive of shows by following this link. The show is accessible on all major podcast apps, such as Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

John Ray, The Generosity MindsetJohn Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants, bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the five-star rated book The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices, praised by readers for its practical insights on raising confidence, value, and prices.

2026 Hiring Trends: AI, Flexibility, and Salary Shifts

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Amy Mangan and Stephen Tradd, Robert Half, on 2026 Hiring Trends, AI Impact, Flexibility vs Compensation, and Atlanta Staffing (North Fulton Business Radio, Episode 926), with host John Ray
North Fulton Business Radio
2026 Hiring Trends: AI, Flexibility, and Salary Shifts
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Amy Mangan and Stephen Tradd, Robert Half, on 2026 Hiring Trends, AI Impact, Flexibility vs Compensation, and Atlanta Staffing (North Fulton Business Radio, Episode 926), with host John Ray

Amy Mangan and Stephen Tradd, Robert Half, on 2026 Hiring Trends, AI Impact, Flexibility vs Compensation, and Atlanta Staffing (North Fulton Business Radio, Episode 926)

On this episode of North Fulton Business Radio, host John Ray welcomes Amy Mangan, Market Director, and Stephen Tradd, Regional Director, both with Robert Half, to discuss 2026 hiring trends shaping the Atlanta labor market. Amy and Stephen reveal that 38% of U.S. professionals plan to seek new jobs in early 2026, marking the end of the “great freeze” and “job hugging” phenomenon that defined 2025. These 2026 hiring trends are driven by pent-up demand, understaffed teams, and employees burned out from economic uncertainty and hiring freezes.

The conversation addresses the critical balance between flexibility and compensation in 2026 hiring trends. While 60% of professionals are willing to work fully on-site for higher pay, many top candidates continue to turn down significant salary increases when flexibility is not part of the offer. Amy and Stephen explain why return-to-office policies are not one-size-fits-all and how companies that fail to offer hybrid arrangements risk losing their best talent. They also examine AI’s transformative role in 2026 hiring trends, noting that professionals who fail to develop AI literacy will be left behind, while those who embrace these tools become more valuable to employers.

John Ray is the host of North Fulton Business Radio. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and is recorded inside Renasant Bank in Alpharetta.

Key Takeaways from This Episode

  • 38% of U.S. professionals plan to look for new jobs in early 2026, with Gen Z (45%), tech professionals (43%), and working parents (41%) leading the trend
  • Flexibility often trumps salary, as candidates repeatedly turn down offers with 20-25% pay increases when hybrid work options are not available
  • AI adoption varies by company size, with large organizations building dedicated teams for governance and implementation while small and mid-size businesses leverage existing tools in Microsoft platforms
  • Specialized skills command premium pay, with AI and machine learning roles seeing 4%+ salary increases and overall professional compensation up 2% year over year

Topics Discussed in this Episode

00:20 John Ray introduces the show and guests Amy Mangan and Stephen Tradd from Robert Half
02:20 Introduction to Robert Half’s specialized staffing services across accounting, finance, technology, HR, and legal
03:05 2025 labor market analysis and unusual hiring patterns
03:30 38% of U.S. professionals planning to look for new jobs in early 2026
04:30 The great freeze, job hugging, and why employees stayed put in 2025
06:11 Industries seeing the most hiring activity, including healthcare and nonprofit sectors
06:32 Impact of return-to-office policies and lack of flexibility on employee retention
07:33 Understaffed teams and employee burnout are driving job turnover
08:12 Return-to-office strategies and the challenge of finding one-size-fits-all solutions
09:35 Pent-up demand and digital transformation driving 2026 hiring needs
10:01 Digital transformation and software transitions in finance, accounting, and healthcare
11:01 AI’s impact on hiring practices and required skill sets
12:20 Why professionals need to learn AI tools to remain competitive
13:14 AI adoption differences between large companies and small- to mid-size businesses
15:34 Employers willing to pay premium for AI, cybersecurity, and data analytics expertise
16:18 2026 compensation trends and salary increases by specialty
17:01 Why flexibility matters more than salary for many top candidates
19:35 Perks and benefits beyond flexibility, including commuter benefits and childcare
21:05 Nuance in compensation and flexibility based on company and sector
22:35 Robert Half’s collaborative approach to helping clients understand market conditions
24:08 When business owners should reach out to Robert Half for staffing solutions
26:46 Success stories, including rapid deployment of 25 help desk professionals
28:52 How to connect with Robert Half and access the 2026 Salary Guide

Amy Mangan, Market Director, Robert Half

Amy Mangan, Market Director, Robert Half, on North Fulton Business Radio
Amy Mangan, Market Director, Robert Half

Amy Mangan is a Market Director with Robert Half, overseeing the contract and permanent placement services for Technology, Marketing and Creative practice groups in Atlanta. With 15 years of dedicated tenure at Robert Half, Amy has cultivated a reputation as a trusted leader in matching top talent with leading organizations. Before joining Robert Half, Amy brought 20 years of experience in technology and marketing staffing combined. Her deep understanding of both fields allows her to connect with clients and candidates alike, providing strategic solutions that drive success. In addition to her professional achievements, Amy is an active member of the American Marketing Association (AMA) Atlanta, where she serves on the Membership Committee, contributing to the growth and engagement of the local marketing community. Outside of work, Amy enjoys spending time with her husband, two sons, and two cats.

LinkedIn

Stephen Tradd, Regional Director, Robert Half

Stephen Tradd, Regional Director, Robert Half, on North Fulton Business Radio
Stephen Tradd, Regional Director, Robert Half

Stephen Tradd is a Regional Director with Robert Half, overseeing placement services for contract finance and accounting, administrative and customer support, legal, and management resources in the firm’s Atlanta and Alpharetta offices. With more than a decade of experience at Robert Half, Steve first joined the company in 2009 in Florida and returned in 2023 as Branch Director for the Atlanta Midtown branch, later advancing to his current role. Throughout his career, Steve has earned many professional accolades, including Robert Half’s prestigious Reach for the Stars Award and is a $3 million-dollar milestone achiever, consistently delivering outstanding results. Steve’s competitive mindset, strategic approach, and ability to connect top talent with leading companies have been the driving forces behind his success. Outside of work, Steve enjoys traveling the world and has recently returned from a trip to Zurich, Austria, and Germany. This year alone, he’s visited 5 countries outside of the U.S.

LinkedIn

Robert Half

Robert Half is the world’s first and largest specialized talent solutions and business consulting firm, connecting highly skilled job seekers with rewarding opportunities at great companies. Areas of specialization include finance and accounting, human resources, administrative and customer support, legal, technology, marketing, and creative. Robert Half offers contract talent, permanent placement, and executive search services; it is the parent company of Protiviti, a global consulting firm. In the last 12 months, Robert Half has been named one of Fortune’s World’s Most Admired Companies, one of the 100 Best Companies to Work For, and has also received recognition from Forbes as one of the World’s Best Employers and one of America’s Best Professional Recruiting, Executive Recruiting, and Temporary Staffing Firms.

Website | LinkedIn

Renasant Bank supports North Fulton Business Radio

Renasant BankRenasant Bank has humble roots, having started in 1904 as a $100,000 bank located in a Lee County, Mississippi, bakery. Since then, Renasant has grown into one of the Southeast’s strongest financial institutions, boasting over $26 billion in assets and more than 280 offices offering banking, lending, wealth management, and financial services throughout the region. All of Renasant’s success stems from the commitment of each banker to invest in the communities they serve, which in turn helps them better understand the people they serve. At Renasant Bank, their banking professionals understand you because they work and live alongside you every day.

Website | LinkedIn | Facebook | Instagram | X (Twitter) | YouTube

Beyond Computer Solutions supports North Fulton Business Radio

Whether you’re a law firm, medical practice, or manufacturer, there’s one headline you don’t want to make: “Local Business Pays Thousands in Ransom After Cyberattack.” That’s where Beyond Computer Solutions comes in. They help organizations like yours stay out of the news and in business with managed IT and cybersecurity services designed for industries where compliance and reputation matter most.

Whether they serve as your complete IT department or simply support your internal team, they are well-versed in HIPAA, secure document access, written security policies, and other essential aspects that ensure your safety and well-being. Best of all, it starts with a complimentary security assessment.

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

With over 900 episodes and having featured over 1,400 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show invites a diverse range of business, non-profit, and community leaders to share their significant contributions to their respective markets, communities, and professions. There is no discrimination based on company size, and there is never any “pay to play.” North Fulton Business Radio supports and celebrates businesses by sharing positive stories that traditional media ignore. Some media lean left. Some media lean right. We lean business.

John Ray, host of  North Fulton Business Radio, and Owner, Ray Business Advisors
John Ray, host of North Fulton Business Radio and Owner, Ray Business Advisors

John Ray is the host of North Fulton Business Radio. John and the team at North Fulton Business Radio, LLC, an affiliate of Business RadioX®, produce the show, which is recorded inside Renasant Bank in Alpharetta.

The studio is located at 275 South Main Street, Alpharetta, GA 30009.

You can find the entire archive of shows by following this link. The show is accessible on all major podcast apps, such as Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

John Ray, The Generosity MindsetJohn Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants, bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the five-star rated book The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices, praised by readers for its practical insights on raising confidence, value, and prices.

Helen Panos on K-12 Tutoring and Executive Functioning

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Helen Panos, Dynamis Learning, on K-12 Tutoring, Executive Functioning Coaching, and Educational Advocacy (North Fulton Business Radio, Episode 925), with host John Ray
North Fulton Business Radio
Helen Panos on K-12 Tutoring and Executive Functioning
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Helen Panos, Dynamis Learning, on K-12 Tutoring, Executive Functioning Coaching, and Educational Advocacy (North Fulton Business Radio, Episode 925), with host John Ray

Helen Panos, Dynamis Learning, on K-12 Tutoring, Executive Function Coaching, and Educational Advocacy (North Fulton Business Radio, Episode 925)

On this episode of North Fulton Business Radio, host John Ray welcomes Helen Panos, Founder and CEO of Dynamis Learning, a K-12 tutoring company serving students nationwide. Helen, who spent 25 years in Fulton County schools as a middle school teacher, gifted program lead, and 504 chair, launched Dynamis Learning 10 years ago to address gaps she witnessed in traditional classroom settings.

The conversation explores how Dynamis Learning differs from large tutoring companies through three key services: one-on-one virtual tutoring across all subjects, executive function coaching for students who struggle with organization and time management, and educational advocacy to help families navigate 504 plans and secure necessary accommodations. Helen shares compelling success stories, including a student who improved her SAT score by 300 points after receiving extended time accommodations, and she explains how executive functioning skills help students manage ADHD, working memory issues, and the demands of accelerated coursework.

Helen discusses the rise of ADHD diagnoses, the pressures of accelerated math programs in middle school, and why early intervention with executive functioning strategies prevents frustration and academic struggles. She also announces her podcast, Smart Parents Successful Students, which addresses common challenges parents face supporting their children’s education.

John Ray is the host of North Fulton Business Radio. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and is recorded inside Renasant Bank in Alpharetta.

Key Takeaways from This Episode

  • Dynamis Learning offers three core services that set it apart from large tutoring companies: personalized one-on-one tutoring, executive function coaching to teach organizational and time management skills, and educational advocacy to help families secure 504 accommodations for students with ADHD and learning disabilities
  • Executive functioning skills address common challenges like task initiation, working memory, organization, and emotional control, which are particularly critical for students with ADHD who face demands from accelerated coursework, sports, and extracurricular activities
  • Early intervention with executive function coaching helps students develop lifelong skills they’ll need in college and careers, while advocacy services connect tutors directly with teachers to identify specific student needs and secure appropriate accommodations like extended test time
  • Helen identified concerning educational trends before COVID, including the rapid expansion of accelerated math programs that push students through algebra and geometry in a single year, often requiring tutoring support just to survive the pace

Topics Discussed in this Episode

00:20 John Ray introduces the show and guest Helen Panos
02:02 Helen Panos introduces Dynamis Learning and its nationwide K-12 tutoring services
03:13 How COVID enabled virtual tutoring to become 95% of the business
03:41 Helen’s background: 25 years in Fulton County schools as a gifted lead and teacher
04:43 Educational issues Helen identified before COVID, including curriculum acceleration
06:50 Different levels of giftedness and diagnostic challenges in schools
07:59 Helen explains educational advocacy and 504 plans for students with disabilities
10:06 Success story: Student gains 300 points on SAT after securing extended time accommodations
12:18 How Dynamis Learning differs from large tutoring companies
13:27 Executive function coaching: definition and core skills
16:01 Strategies and tools executive functioning coaches use with students
18:36 Success stories from executive function coaching clients
21:33 Why executive functioning skills are lifelong, not tied to specific subjects
22:26 Benefits of early intervention with executive functioning skills
23:35 Helen’s podcast: Smart Parent Successful Students
24:32 Signs that indicate parents should reach out for tutoring or coaching support
25:53 Success story: Addressing reading gaps before gifted program testing
27:55 How to contact Dynamis Learning

Helen Panos, Founder and CEO, Dynamis Learning

Helen Panos, Founder and CEO, Dynamis Learning
Helen Panos, Founder and CEO, Dynamis Learning

Helen Panos is an accomplished educator with over 25 years of experience in a public school system. She began Dynamis Learning, her K-12 nationwide tutoring/SAT/ACT and parent advocacy business, 10 years ago. She is passionate about helping children reach their potential. She listens to what a parent needs and matches them with the right type of tutor. This tutor helps customize a program that will motivate and move the child forward in their academics with ease. Helen is a part of the business and currently has 20 tutors on the Dynamis Learning staff, which can help with a variety of subjects.

You can find Helen regularly on her Dynamis Learning Facebook page, where she does Facebook Lives. The topics are those that she has heard most parents struggle with when it comes to their kids being successful in school and in life! She also hosts her own podcast, Smart Parents Successful Students, which can be found on Spotify and her YouTube channel.

LinkedIn

Dynamis Learning

Dynamis Learning is a K-12 nationwide tutoring/SAT/ACT prep/advocacy and executive function company. Our team of 20 tutors mainly work virtually, and they encompass a variety of subject matter knowledge from reading to math/science and study skills. They are also able to tutor students in person in the metro Atlanta area, whether at a library or in their home. Advocacy is a big part of what Dynamis offers families; thus, they are pleased to provide resources and specialized support for a child when needed. In 2025, their service offerings grew to add individualized executive function coaching for 6th-12th graders and college essay writing. Soon, Dynamis will also provide small-group executive function coaching for 3rd–5th graders.

Website | Facebook | Instagram | YouTube | Podcast

Renasant Bank supports North Fulton Business Radio

Renasant BankRenasant Bank has humble roots, having started in 1904 as a $100,000 bank located in a Lee County, Mississippi, bakery. Since then, Renasant has grown into one of the Southeast’s strongest financial institutions, boasting over $26 billion in assets and more than 280 offices offering banking, lending, wealth management, and financial services throughout the region. All of Renasant’s success stems from the commitment of each banker to invest in the communities they serve, which in turn helps them better understand the people they serve. At Renasant Bank, their banking professionals understand you because they work and live alongside you every day.

Website | LinkedIn | Facebook | Instagram | X (Twitter) | YouTube

Beyond Computer Solutions supports North Fulton Business Radio

Whether you’re a law firm, medical practice, or manufacturer, there’s one headline you don’t want to make: “Local Business Pays Thousands in Ransom After Cyberattack.” That’s where Beyond Computer Solutions comes in. They help organizations like yours stay out of the news and in business with managed IT and cybersecurity services designed for industries where compliance and reputation matter most.

Whether they serve as your complete IT department or simply support your internal team, they are well-versed in HIPAA, secure document access, written security policies, and other essential aspects that ensure your safety and well-being. Best of all, it starts with a complimentary security assessment.

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

With over 900 episodes and having featured over 1,400 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show invites a diverse range of business, non-profit, and community leaders to share their significant contributions to their respective markets, communities, and professions. There is no discrimination based on company size, and there is never any “pay to play.” North Fulton Business Radio supports and celebrates businesses by sharing positive stories that traditional media ignore. Some media lean left. Some media lean right. We lean business.

John Ray, host of  North Fulton Business Radio, and Owner, Ray Business Advisors
John Ray, host of North Fulton Business Radio and Owner, Ray Business Advisors

John Ray is the host of North Fulton Business Radio. John and the team at North Fulton Business Radio, LLC, an affiliate of Business RadioX®, produce the show, which is recorded inside Renasant Bank in Alpharetta.

The studio is located at 275 South Main Street, Alpharetta, GA 30009.

You can find the entire archive of shows by following this link. The show is accessible on all major podcast apps, such as Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

John Ray, The Generosity MindsetJohn Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants, bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the five-star rated book The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices, praised by readers for its practical insights on raising confidence, value, and prices.

GNFCC Leadership Transition: 2025 Highlights and 2026 Priorities

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GNFCC Leadership Transition: Kali Boatright Talks 2025 Highlights and 2026 Priorities with Outgoing Chair Dean Collins and Incoming Chair Laura Madajewski, on the GNFCC 400 Insider podcast
BRX National
GNFCC Leadership Transition: 2025 Highlights and 2026 Priorities
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GNFCC Leadership Transition: Kali Boatright Talks 2025 Highlights and 2026 Priorities with Outgoing Chair Dean Collins and Incoming Chair Laura Madajewski, on the GNFCC 400 Insider podcast

GNFCC Leadership Transition: Kali Boatright Talks 2025 Highlights and 2026 Priorities with Outgoing Chair Dean Collins and Incoming Chair Laura Madajewski (GNFCC 400 Insider, Episode 111)

Host Kali Boatright, President and CEO of the Greater North Fulton Chamber, marks a year-end leadership transition by reflecting on 2025 accomplishments and previewing 2026 priorities with outgoing Chair Dean Collins (Axis Infrastructure) and incoming Chair Laura Madajewski (HLB Gross Collins).

Dean looks back on a strong Chamber year, including continued momentum around regional collaboration and economic development, plus the Strategic Leadership Visit that took investor-level members to Mesa and Scottsdale to learn from innovation, redevelopment, and the role of arts, culture, and sports as economic drivers.

Laura shares her 2026 theme, “Forging Our Future,” and outlines what comes next: revisiting strategic planning, moving through the Chamber’s reaccreditation process, and revamping the NextGen (Young Professionals) program with stronger engagement, expanded programming, and an enhanced mentor match.

The GNFCC 400 Insider is presented by the Greater North Fulton Chamber of Commerce and produced by John Ray and the North Fulton affiliate of Business RadioX®.

Key Takeaways from This Episode

  • This is a true handoff episode: what 2025 proved, what 2026 will prioritize, and what continuity looks like when leadership changes without losing momentum.
  • “Forging Our Future” is not a slogan; it’s an operating stance: Laura Madajewski’s theme is about building forward, not maintaining.
  • 2026 is a “systems year,” not a “more events” year: strategic planning refresh, reaccreditation work, and tightening how the Chamber measures and delivers impact.
  • NextGen is being rebuilt with intention: stronger engagement, refreshed programming, and a more meaningful mentor match approach.
  • The Chamber’s regional work keeps expanding: continued collaboration and economic development focus that goes beyond any one city.
  • Chair advice you can steal for your own leadership role: clear the calendar, show up, stay close to members, and ask the questions you need to ask.

Topics Discussed in this Episode

Laura Madajewski and Dean Collins
Laura Madajewski and Dean Collins

00:00 Introduction to the GNFCC 400 Insider podcast
00:41 Meet the 2025 and 2026 Chairs
01:42 Dean Collins Reflects on 2025
03:08 Laura Madajewski’s Journey and Vision
05:28 Accomplishments and Goals for the Chamber
08:47 Forging the Future: 2026 Plans
13:03 Public-Private Partnerships and Community Impact
17:41 Advice for the Incoming Chair
20:46 Leadership Styles and Final Thoughts
24:21 Closing Remarks and Contact Information

Laura Madajewski, 2026 Chair, and Principal, HLB Gross Collins P.C.

Laura Madajewski, 2026 Chair, and Principal, HLB Gross Collins P.C.
Laura Madajewski, 2026 Chair, and Principal, HLB Gross Collins P.C.

Laura E. Madajewski, CPA, MBA, is a Principal in the Audit and Advisory department at HLB Gross Collins P.C., bringing more than 16 years of public accounting experience with a focus on audits and financial statement preparation. She is known for helping clients strengthen internal controls, enhance governance and oversight, and streamline operations, approaching each engagement as a trusted advisor who tailors assurance and accounting solutions to the client’s specific needs.

Laura leads the firm’s Manufacturing, Distribution and Supply Chain Practice as well as its Employee Benefit Practice, and she has significant experience serving nonprofit organizations, including private schools, religious organizations, trade associations, and foundations.

Outside of work, Laura enjoys charitable and volunteer work throughout the Atlanta and North Fulton communities. She serves on the advisory board of Golf for The Kids, is Treasurer and a volunteer on the Board of Directors of The Drake House, has served as President and Secretary of the Song of Atlanta Show Chorus Board, and is President of the Sanctuary at Rivermont Homeowners’ Association Board of Directors.

She earned both her BBA and MBA in Accounting from Kennesaw State University.

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Dean Collins, 2025 GNFCC Chair, and Founder & President, Axis Infrastructure

Dean Collins, 2025 GNFCC Chair, and Founder & President, Axis Infrastructure
Dean Collins, 2025 GNFCC Chair, and Founder & President, Axis Infrastructure

Dean Collins is the Founder and President of Axis Infrastructure, a firm he established in 2016 to address critical needs in the transportation and site development industries. With over 25 years of experience, Dean has cultivated a deep understanding of the complexities involved in land development projects, positioning Axis as a leader in the field. Under his leadership, Axis Companies has developed a comprehensive “Development Suite” that offers tailored services in land development, project management, and construction management, enabling clients to choose between individual services or complete turnkey solutions.

Before founding Axis, Dean served as Vice President and Director of Facilities at TYLIN International for nearly 23 years. In this role, he successfully led business development and design efforts for vertical projects across the Americas, managing a diverse team of architects, engineers, and construction managers. His extensive background in project management and design has been instrumental in shaping Axis Companies’ innovative approach.

Dean holds an Associates degree in Engineering from the State University of New York at Delhi and a Bachelor of Science in Civil Engineering from Rensselaer Polytechnic Institute.

LinkedIn

About GNFCC and The GNFCC 400 Insider podcast

Kali Boatright, President and CEO of the Greater North Fulton Chamber of Commerce (GNFCC)
Kali Boatright, President and CEO of the Greater North Fulton Chamber of Commerce

The GNFCC 400 Insider is sponsored by the Greater North Fulton Chamber of Commerce (GNFCC), and the host of the show is Kali Boatright, President and CEO of GNFCC.

The Greater North Fulton Chamber of Commerce is a private, non-profit, member-driven organization comprised of over 1,400 business enterprises, civic organizations, educational institutions, and individuals. Their service area includes Alpharetta, Johns Creek, Milton, Mountain Park, Roswell, and Sandy Springs. GNFCC is the leading voice on economic development, business growth, and quality of life issues in North Fulton County.

Greater North Fulton Chamber of Commerce, GNFCCAs a five-star accredited chamber, GNFCC’s vision is to be the premier organization driving member and community success across the region, and they are dedicated to pursuing this vision based on the guiding principles of advocacy, inclusivity, and operational excellence.

GNFCC promotes the interests of their members by assuming a leadership role in making North Fulton an excellent place to work, live, play, and stay. They provide one voice for all local businesses to influence decision-makers, recommend legislation, and protect the valuable resources that make North Fulton a popular place to live.

For more information on GNFCC and its North Fulton County service area, follow this link or call (770) 993-8806. For more information on other GNFCC events, follow this link.

North Fulton Voices 2025 Recap: Attainable Housing

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2025 Year-End Roundtable: What Moved the Needle on Attainable Housing and Missing Middle Housing in North Fulton (North Fulton Voices, Episode 16)
North Fulton Studio
North Fulton Voices 2025 Recap: Attainable Housing
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2025 Year-End Roundtable: What Moved the Needle on Attainable Housing and Missing Middle Housing in North Fulton (North Fulton Voices, Episode 16)

2025 Year-End Roundtable: What Moved the Needle on Attainable and Missing Middle Housing in North Fulton (North Fulton Voices, Episode 16)

In this 2025 year-end edition of North Fulton Voices, Nancy Diamond, Jack Murphy, Kathy Swahn and John Ray look back at a momentous year for the North Fulton Improvement Network (NFIN) and the region’s attainable housing conversation. They ground the recap in two sobering realities: metro Atlanta lost 230,000 low- and mid-income homes from 2018 to 2023, and in many municipalities it can take seven years to go from concept to occupancy for new housing.

The panel explains how the conversation moved from awareness to influence, with NFIN’s framing and data showing up more consistently in planning discussions and public meetings. They point to a broader shift in how leaders and residents are talking about housing, including its connection to quality of life, workforce stability, and long-term economic health.

They also point out key factors from 2025 that helped build momentum, such as the need for people to get involved in comprehensive planning, a clear change in local election discussions, and a North Fulton Forum that gathered banks, employers, schools, nonprofits, and federal partners to discuss funding and practical ways to implement solutions.

In 2026, the group identifies three key areas of focus: enhancing public understanding of zoning, normalizing solutions that people can visualize, and maintaining high participation in comprehensive plan processes. The message is unambiguous; this work moves when everyday residents and employers show up, learn the language, and keep asking better questions.

North Fulton Voices is presented by the North Fulton Improvement Network. The show series is proudly sponsored by John Ray Co. and North Fulton Business Radio, LLC.

Key Takeaways from This Episode

  • Metro Atlanta lost 230,000 low- and mid-income homes (2018–2023), and the timeline for new housing can stretch to seven years from concept to occupancy.
  • NFIN frames the issue as financial vulnerability, not a narrow poverty category. Many households are one expense away from needing help.
  • The conversation is shifting from awareness to influence, with more traction in planning and leadership dialogue.
  • Comprehensive plans are a major leverage point because they shape housing and infrastructure decisions upstream.
  • We now clearly link attainable and unaffordable middle-class housing to workforce stability and local competitiveness.
  • Capital matters if solutions are going to scale. Partnerships with banks, employers, nonprofits, and government are part of the path forward.
  • A practical next step for listeners is to engage locally, understand zoning basics, and participate in comprehensive plan processes.

Topics Discussed in this Episode

00:00 Introduction to North Fulton Voices
00:52 Reflecting on a Momentous Year
01:32 Data Insights on Housing Crisis
02:45 Mission and Goals of the Network
04:56 Connecting Stakeholders and Community
06:36 Influence and Public Awareness
08:10 Comprehensive Planning in Alpharetta
12:21 Challenges in Workforce and Attainable Housing
23:05 Impact on Schools and Enrollment
27:05 Bankers and Housing Solutions
27:22 North Fulton Forum Highlights
27:59 Community Redevelopment Act and Challenges
28:48 Workforce Housing and Bankers’ Role
29:11 United Way’s ALICE Model
30:45 Impact of Workforce Housing on Businesses
31:20 Shoutout to April Atkins
31:54 Public-Private Partnerships in Attainable Housing
33:40 Innovative Housing Solutions in Metro Atlanta
35:46 Mark Murphy’s Housing Efforts
36:55 Brian Goldstone’s Book and Community Impact
38:41 Sponsorship and Community Support
40:01 Looking Forward: Zoning and Community Engagement
46:57 Call to Action: Get Involved
49:38 Conclusion and Acknowledgements

Jack Murphy

Jack Murphy
Jack Murphy

Jack Murphy is a volunteer with The Society of St. Vincent de Paul and is Chair of the North Fulton Improvement Network. He is also in his 21st year of working for the Metro Atlanta Chamber of Commerce.

Prior to the Chamber, Jack worked for and with Fortune 500 companies in operations, human resources, training, and quality areas. Jack was a senior adjunct professor for Quality & Operations Management at Keller Graduate School for 14 years.

He has served on both the National and Georgia Boards of The Society of St. Vincent de Paul, responsible for Diversity, Advocacy, & Systemic Change. Jack is currently the national SVDP chair of Systemic Change and Advocacy.

Jack received a BA in psychology from Belmont Abbey College and a M.Ed. from UNC-Greensboro.  Jack and his wife, Nancy, a retired elementary school principal, have two grown daughters and two grandchildren. They live in Alpharetta, Georgia.

LinkedIn

Nancy Diamond

Nancy Diamond

Nancy Diamond is a Project Manager with Schmit & Associates, a real estate development firm, creating town center revitalization in communities all around the metro area.

Nancy served 8 years as a Roswell City Council Member, including a term as Mayor Pro Tem, with liaison positions with Community Development, Transportation, Recreation & Parks, and Public Safety.

In addition to her work with the North Fulton Improvement Network, Nancy has been active in area non-profit organizations, including board leadership positions in the STAR House Foundation, WellStar North Fulton Hospital, and the Roswell Rotary Club.

A native of Atlanta and a 42-year North Fulton resident, Nancy worked at Turner Broadcasting in the early years of CNN, then became a freelancer in sports television graphics. While raising her two daughters, she worked from home, first developing a corporate gift service and later as a mortgage loan originator.

Nancy and her husband, Glenn, now relish the role of grandparents to Owen.

LinkedIn

Kathy Swahn

Kathy Swahn, President Emeritus, The Drake House
Kathy Swahn

Kathy has resided in the North Fulton area for almost 45 years. She has watched the community evolve from what was “unincorporated Fulton County” to a six-city bustling suburban community. Her history has been marked by a strong emphasis on children: she raised two daughters as a stay-at-home mother, held leadership positions in school PTAs and Girl Scouts, participated in the National Charity League and the North Fulton Council of PTAs, and held the position of chair of the Superintendent’s Advisory Council.

Kathy resumed her career by entering the nonprofit sector. She joined the team at North Fulton Community Charities, running their holiday program, becoming Development Director and successfully managing the $3 million capital campaign for their Elkins Road location. Along the way, she also served on the DFACS Board and chaired the board of the Fulton County Continuum of Care for four years.

After having the opportunity to join in the Greater North Fulton Chamber of Commerce Leadership Program, Kathy was surrounded with a dynamic group of folks who worked to create The Drake House. Since 2004, she served as board chair for the first four years, executive director for nine years, and is now retired. Over those years, The Drake House served over 500 single mothers with over 1,000 children and grew the assets of the organization to over $4 million.

Kathy continues to serve The Drake House on the Advocacy Committee, along with her work for NFIN.

She spends much of her time traveling to the DC area, where her children and grandchildren reside.

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Sponsor for North Fulton Voices: John Ray and North Fulton Business Radio, LLC

The North Fulton Voices show series is proudly sponsored by John Ray Co. and the North Fulton affiliate of Business RadioX®.

John Ray
John Ray

John Ray is a podcast show host and producer and owns North Fulton Business Radio, LLC, the North Fulton (Georgia) affiliate of Business RadioX®.

John also operates his own business advisory practice, Ray Business Advisors. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants and bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the #1 nationally best-selling book, The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices.

John is the host of North Fulton Business Radio and The Price and Value Journey. North Fulton Business Radio, the longest-running podcast in the North Fulton region of Georgia, features a wide range of business and community leaders. The Price and Value Journey is devoted to solo and small-firm professional services providers and covers issues such as pricing, value, and business development.

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