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Alpharetta Tech Talk: Carmen Allen, Allen Solvision, Inc.

January 17, 2020 by John Ray

Carmen Allen
Alpharetta Tech Talk
Alpharetta Tech Talk: Carmen Allen, Allen Solvision, Inc.
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John Ray and Carmen Allen
John Ray and Carmen Allen

“Alpharetta Tech Talk,” Episode 6:  Carmen Allen, Allen Solvision, Inc.

Carmen Allen helps Fortune 500 companies monetize and bring their internally developed innovations to market. This former IBM Research and Accenture executive joined “Alpharetta Tech Talk” to discuss this work and much more. “Alpharetta Tech Talk” is hosted by John Ray and broadcast from the North Fulton Business RadioX® studio inside Renasant Bank in Alpharetta.

Carmen P. Allen, Allen Solvision, Inc.

Carmen Allen
Carmen Allen

Carmen P. Allen is founder of Allen Solvision, Inc. Her team is customer-focused and adept at business transformation, and product marketing and launch strategies. They work with senior leadership teams in Fortune 500 companies enabling organizations to achieve disruptive change and innovation. Solvision assists teams with re-thinking their product launch strategies, strategic alliances in the development of new markets and new business models. Clients are able to assess and beat their competition through accelerating change and establishing a culture of innovation.

Carmen also served as IBM Research Executive Director for six years until 2018, where she was an industry and go-to-market leader for a team of nearly 60 top research scientists. The scientists were inventing wireless, cognitive and AI innovations. Some became part of the IBM Watson portfolio of products. Her role was to assess the market for their innovations, and to assist them to find a route to market; enabling revenue growth for IBM either through the product portfolio or through the Global Services teams.

Carmen enjoys abstract oil painting as a hobby. She uses oil and mixed-media on round canvases. In addition, in 2020, Carmen plans to publish a book with a compilation of more than 200 folklore poems on 1950s Cuba, which were written in Spanish by her grandfather.

For more information, you can contact Carmen through LinkedIn.

Carmen Allen

“Alpharetta Tech Talk” is broadcast from the North Fulton studio of Business RadioX®, located inside Renasant Bank in Alpharetta. Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has grown to become one of the Southeast’s strongest financial institutions with approximately $12.9 billion in assets and more than 190 banking, lending, wealth management and financial services offices in Mississippi, Alabama, Tennessee, Georgia and Florida. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you.

Tagged With: IBM Research, innovation team support, Innovations, North Fulton Business Radioo, product market teams, Tech Alpharetta, Tech in Alpharetta, tech talk, technology in Alpharetta, Technology product innovation

Decision Vision Episode 47: How Can I Get My Employees to Think Independently? – An Interview with Joanna Bloor, The Amplify Lab

January 16, 2020 by John Ray

how can i get my employees to think independently
Decision Vision
Decision Vision Episode 47: How Can I Get My Employees to Think Independently? - An Interview with Joanna Bloor, The Amplify Lab
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how do i get my employees to think independently
Mike Blake and Joanna Bloor

Decision Vision Episode 47: How Can I Get My Employees to Think Independently? – An Interview with Joanna Bloor

This episode took a right turn into a question many business owners struggle with:  “how can I get my employees to think independently?” Joanna Bloor and “Decision Vision” host Mike Blake veered into this important topic in a fascinating and insightful discussion. “Decision Vision” is presented by Brady Ware & Company.

Joanna Bloor, The Amplify Lab

how do I get my employees to think independently
Joanna Bloor

Introduction expert and Founder of The Amplify Lab, Joanna Bloor is on a mission to help us prepare for the big leap into the future. To uncover and articulate our value and our place in the next chapter of humankind. No big deal. Why? Because we all need to rethink how we prepare for the future of work. The what, where, when and how of work is changing – and so is the who.

And it all starts with understanding why and how you need to have a better answer to the question “What do you do?

An “eternal student of what is around the next technology corner” Joanna started her career by scaling the revenue strategies of brands such as Ticketmaster, Cars.com, OpenTable, and Pandora. Then a conversation in line at TED 2016 led to a realization that what we are known for has far-reaching impact as an individual and a leader.

In front of audiences that range from thinkers at TED, to technologists at Dreamforce, to entrepreneurs at Gathering of Titans – like a Fairy Godmother – Joanna’s known for “live amplification” of audience members while zinging the audience with moments of surprise and laughter. All wrapped up with the practical guidance of what you too, can do next.

“Joanna shines a light on long-forgotten ingredients that make up our secret sauce, reminding us that we’re not awesome by accident.” — Cristina Jones, EVP Trailblazer Marketing Salesforce.com.

You can learn more about Joanna at her website, or connect with her through social media on LinkedIn and on Twitter.

Michael Blake, Brady Ware & Company

Mike Blake, Host of “Decision Vision”

Michael Blake is Host of the “Decision Vision” podcast series and a Director of Brady Ware & Company. Mike specializes in the valuation of intellectual property-driven firms, such as software firms, aerospace firms and professional services firms, most frequently in the capacity as a transaction advisor, helping clients obtain great outcomes from complex transaction opportunities. He is also a specialist in the appraisal of intellectual properties as stand-alone assets, such as software, trade secrets, and patents.

Mike has been a full-time business appraiser for 13 years with public accounting firms, boutique business appraisal firms, and an owner of his own firm. Prior to that, he spent 8 years in venture capital and investment banking, including transactions in the U.S., Israel, Russia, Ukraine, and Belarus.

Brady Ware & Company

Brady Ware & Company is a regional full-service accounting and advisory firm which helps businesses and entrepreneurs make visions a reality. Brady Ware services clients nationally from its offices in Alpharetta, GA; Columbus and Dayton, OH; and Richmond, IN. The firm is growth minded, committed to the regions in which they operate, and most importantly, they make significant investments in their people and service offerings to meet the changing financial needs of those they are privileged to serve. The firm is dedicated to providing results that make a difference for its clients.

Decision Vision Podcast Series

“Decision Vision” is a podcast covering topics and issues facing small business owners and connecting them with solutions from leading experts. This series is presented by Brady Ware & Company. If you are a decision maker for a small business, we’d love to hear from you. Contact us at decisionvision@bradyware.com and make sure to listen to every Thursday to the “Decision Vision” podcast. Past episodes of “Decision Vision” can be found here. “Decision Vision” is produced and broadcast by the North Fulton studio of Business RadioX®.

Visit Brady Ware & Company on social media:

LinkedIn:  https://www.linkedin.com/company/brady-ware/

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

Twitter: https://twitter.com/BradyWare

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

Show Transcript

Mike Blake: [00:00:01] Hi and welcome to the Decision Vision podcast. We’re going to do a little of a prologue before you listen to this podcast, because I don’t want to be accused of false advertising. The discussion is about the nature of work and the changing nature of work. And we had a terrific discussion with Joanna Bloor. And I do hope that you’ll listen to this, even though the topic is a little bit different than the way it’s presented in the introduction.

Mike Blake: [00:00:29] We had originally thought that the discussion was going to be around labor models and to a lesser extent, employee engagement, but really adapting to new realities, generally, in the labor force. And the way that the conversation turned, and I decided that it was a good turn, so we just sort of ran with it, is really talking about, at a high-level, employee engagement and how do you unlock the full potential of your employees as thinking organic human beings.

Mike Blake: [00:01:02] And, you know, if you don’t think that’s a good thing, then you probably don’t want to listen to this podcast because we’re going to talk about things that you’re just not going to really jive with. But if you think that is something that’s worthwhile, I know a lot of people that come to me and say, you know, “Boy, I love to get my employees to think on their feet better. I love to get them more engaged. How do I do that?” Then, I think you’re going to find this conversation to be very interesting. It’s kind of like a TED talk but a little bit longer and with no slides, but I think a very high-level intellectual conversation.

Mike Blake: [00:01:35] So, we’ll go back and take another look with a different episode at actual models of work when we can do something a little bit more specifically. But, you know, I don’t want to have you go in 20 minutes and wonder kind of when is the topic that was advertised coming up and waste your time. And I want to be respectful of your time. So, if you’re going to listen to another podcast, thank you for doing that. Otherwise, you’re gonna stick around, sit back and relax and enjoy the infotainment.

Intro: [00:02:04] Welcome to Decision Vision, a podcast series focusing on critical business decisions brought to you by Brady Ware & Company. Brady Ware is a regional full-service accounting and advisory firm that helps businesses and entrepreneurs make visions a reality.

Mike Blake: [00:02:22] Welcome to Decision Vision, a podcast giving you, the listener, clear vision to make great decisions. In each episode, we discuss the process of decision making on a different topic from the business owners or executives’ perspective. We aren’t necessarily telling you what to do, but we can put you in a position to make an informed decision on your own and understand when you might need help along the way.

Mike Blake: [00:02:41] My name is Mike Blake and I’m your host for today’s program. I’m a director at Brady Ware & Company, a full-service accounting firm based in Dayton, Ohio, with offices in Dayton, Columbus, Ohio, Richmond, Indiana, and Alpharetta, Georgia, which is where we are recording today. Brady Ware is sponsoring this podcast. If you like this podcast, please subscribe on your favorite podcast aggregator and please consider leaving a review of the podcast as well.

Mike Blake: [00:03:05] Today, we’re going to talk about the nature of work. A seemingly esoteric topic, but one that is getting increasing attention and it’s receiving increased attention from a number of angles. One, there’s a macrosocial angle that is forcing us to revisit how we consider work, because we are finding increasingly that more and more of us are becoming, if not expendable, then certainly ancillary to technology that is now capable of performing more complex tasks than were even imaginable 10 to 15 years ago.

Mike Blake: [00:03:50] And to that end now, we are experimenting with different economic systems to help us cope with that, frankly, without necessarily having to sabotage technological progress, because there are very real reasons we want to do that. And, you know, the so-called Star Trek economy is great, but they don’t show you kind of the painful transition that gets you from this economy into that Star Trek economy. And that painful transition is, you know, what do people do when robots do everything that people want?

Mike Blake: [00:04:28] And, you know, some countries are now experimenting with something called a universal basic income. There’s at least one Democratic presidential candidate who is embracing that as a way to cushion the blow. But we’re forced to reexamine the role of labor, if you will, in our economy and our society because, you know, automation is not only expanding, but its rate of acceleration is increasing as well.

Mike Blake: [00:04:57] And then, on a micro-level, we’re being compelled to reexamine what work looks like because, you know, particularly in the American economy in an unprecedented level of competition in many areas, not every area, to be sure, but certainly, in professional services and other areas, you know, we have competition from places we never would have dreamed we’d have competition before, whether it’s China, whether it’s India, whether it’s startups, whether it’s, again, AI.

Mike Blake: [00:05:33] We are being forced to rethink what role labor is really meant to play in the workplace. And then, you know, at some point, because there’s really a limit to how much you can improve your labor force by simply raising pay and increase in the value that you extract from your labor force by doing that, it’s compelling us to rethink models of work, whether that’s working from home, whether it’s the four-day workweek or the four-hour workweek, as we sometimes hear about, job sharing, and flex time and the gig economy and so forth.

Mike Blake: [00:06:16] And they’ve all been around to some extent, but they have not been sort of up close, in person, and in our faces the way that they have become in the last five to 10 years or so. And if you’re a business owner or an executive and you’re not thinking about this, you need to start because this is a hard puzzle to solve. And if you do solve it, then you’re going to create a significant competitive advantage for yourself. And if your competitors solve it before you do, watch out.

Mike Blake: [00:06:46] So, as usual, with all of our topics, I’m not the subject matter expert, I’m just the person who brings on the person who is the subject matter expert. And to help us work through this today is Joanna Bloor, who is expert and founder of The Amplify Lab. Joanna Bloor is on a mission to help us prepare for the big leap into the future, to uncover and articulate our value and our place in the next chapter of humankind.

Mike Blake: [00:07:08] Why? Because we all need to rethink how we prepare for the future of work. The what, where, when, and however work is changing and so is the who and I would argue the why as well. And we’ll talk about that today. It all starts with the understanding of why and how you need to have a better answer to the question, what do you do? An eternal student of what is around the next technology corner, Joanna started her career by scaling the revenue strategies of brands such as Ticketmaster, cars.com, OpenTable and Pandora.

Mike Blake: [00:07:37] Then, a conversation online at a TED 2016 led to a realization of what we are known for as far reaching impact as an individual and as a leader. In front of audiences that range from thinkers at TED to technologists at Dreamforce to entrepreneurs, a gathering of titans like a fairy godmother, Joanna is known for live amplification of audience members while zinging the audience with moments of surprise and laughter.

Mike Blake: [00:08:00] And I can attest to that. We had a preliminary conversation to come on here. It seemed like it was two minutes, before we knew it, an-hour-and-a-half had gone by. I’ll wrap up with a practical guidance of what you, too, can do next. And as a testimonial, Joanna shines a light on long-forgotten ingredients that make up our secret sauce, reminding us that we’re not awesome by accident. And that was by an executive from salesforce.com. Joanna, welcome to the program.

Joanna Bloor: [00:08:28] Thank you so much for having me. I’m excited to continue our conversation.

Mike Blake: [00:08:32] Yeah. So, let’s get people caught up because otherwise, they’re gonna be jumping on a treadmill, going 30-miles-an-hour. Why are we having this conversation? I mean, you know, do what I say make sense in terms that we’re being confronted with just this need to reconsider the very nature of work?

Joanna Bloor: [00:08:49] Yes. Yes. Well, I was thinking about this as preparing and how do I kind of macro this up, because you talked about the Star Trek being future and how do we get there. And in looking at work, and I actually think there are lots of people talking about the future of work and how do we get there, the reality is, I think, we’re actually here today. And part of the challenge that we see our whole marketplace in, and I will start by saying what is really interesting about work is it’s a double-sided marketplace.

Joanna Bloor: [00:09:29] They are buyers. The employer chooses the employee, the employee chooses the employer, which adds a whole level of complexity and questions and everything to the entire thing. It’s not like you’re buying a pair of shoes that you get to walk out the store with. But what I was thinking about, this whole question about, well, what does work look like in the 21st century? I really actually took a step backwards and said, well, what has happened to work over time?

Joanna Bloor: [00:09:59] And then, separate it because how humans travel through work, how business is run, and how technology is run potentially have different patterns. And what I ultimately noticed was that, well, if you look at technology, most technology companies are running around and saying, you know, “We’re in the fourth industrial revolution.” And I go, okay. So, we’ve gotten from the original industrial revolution when we saw the shift from farming to factories and all those sorts of things.

Joanna Bloor: [00:10:34] And, you know, technology has had enormous play in that. But I would argue that the human revolution hasn’t happened yet. So, while technology has gone through major shifts and transformation and then, I would actually say that business has started to make major shifts and transformations, humans haven’t. So, let’s just say, okay, we’re just going to use the base model of the industrial revolution and how business and technology has run.

Joanna Bloor: [00:11:08] The past was very one dimensional and at best, binary. So, you think about how companies grew, it was all about supply chain optimization. It was all about operational efficiency. It’s all about growth and what does your P&L look like. And are you returning investment to whoever is investing to you, whether you’re public, private or whatever the financial structure is. And yet, if you look at technology, it’s gone from very ones and zeros to we’re now in the world of quantum and AI and gosh, robotics and all sorts of really multidimensional things and business has to.

Joanna Bloor: [00:11:56] And, you know, you talk to any company today and they’re starting to think about up to triple bottom-line economics. And so, both technology and business have become much more multidimensional. And when you look at the human element, all of the tools, the elements of humans, and these job descriptions, performance reviews, measurements of productivity, measurement of almost everything is still very binary. It’s still, do you have that skill set? Do you not have have that skill set?

Joanna Bloor: [00:12:35] And what I think everybody, and I know everybody who is listening is going, “Wait a second. I’m way more interesting than just a skill set.” And I go, “Yeah. Absolutely.” You look in a business and I think any business owner, any leader would say the most multidimensional interesting thing in my company are the humans and yet, all of the tools in the supply chain about, how do we navigate that marketplace? A very one and two-dimensional work in this multidimensional world.

Joanna Bloor: [00:13:07] So, I sit here and I say, so as human beings, we aren’t in the fourth industrial revolution. We’re still trying to get out of the first industrial revolution. And I think what we are starting to see with the gig economy and people really pushing back on companies around where are they investing with them and career path and all of the elements that come into play when you’re talking about humans are really beginning to change.

Joanna Bloor: [00:13:35] And the question then becomes as because it’s a double-sided marketplace as both a leader, a business owner, whatever your role is in this or as a team member, how do you start thinking about how to change the narrative about you and say, “Look, a resume isn’t the thing that tells me who I am, a job description isn’t the job.” And how do we start thinking about talent in much more of a multidimensional structure? Then, you start talking about like how all that happens.

Mike Blake: [00:14:10] So, although this is, I think, subsiding a little bit, I think we’re past the point of peak blame, but you still sort of hear it plenty, is that we’re only having this conversation because Millennials and Gen Zs are basically modern-day hippies without the tie-dye shirts and they don’t want to work hard. You know, how do you react to that? Is that a legitimate analysis or is that just a cop-out?

Joanna Bloor: [00:14:35] No. I think that is the same argument every older generation has about the generation before. Plus, let’s be real, because I wanted to say this, that like Millennials, Gen Z, Gen X, Boomer, it’s just a marketing category. This is just a sticker and a label that we have put on people. And yes, as human beings, we do need to categorize things, otherwise, our heads explode, unless the sticker is really, really good, like winner of X or the best at Ys, we don’t actually like to be labeled.

Joanna Bloor: [00:15:17] And so, first of all, I always talk to teams and say like, “Let’s step away from the stickers and let’s also recognize-“, you know, I was, for lack of a better term, it’s what a punk, 20-something-year old myself once upon a time. And I was running around saying, “Well, hang on, why are the rules the way they are? And what’s happening?” This happens, I think, with every single generation. But where I do come back is, and say like, “Where are the labels actually helpful?”

Joanna Bloor: [00:15:48] So, I’m now going to disagree with myself, is I do think as you were looking at the talent in your organization, we do need to actually give a bit of a nod to what has been, in essence, the career path. And I say this kind of airports around it of the talent that comes into your organization. And the reality is, for all of us, our career path actually starts when we’re little teeny tiny kids and start going to school.

Joanna Bloor: [00:16:19] So, I’ll give myself the sticker of Gen X. So, I was brought up in a generation in, you know, my formative years when I started to actually realize that it was more than just play out there, were in the ’80s. And if you think about what life is like for a Gen X’er in the ’80s, there wasn’t a lot of after-school programming. We were the first generation of parents of divorce. And so, there’s a concept of a latchkey kid, which is kids used to go home after school and let themselves into their own homes.

Joanna Bloor: [00:16:55] And while we all did just fine, we kind of had little to no parental supervision. And at the same time, for the boom and bust of the ’80s, you then roll those same people into the ’90s where the internet started to become a thing and technology became such a major part of young people’s lives. We were the first adapters of technology and were the first people to be described as digital first. What was true about that period, and especially for those of us, including myself, who got to really be in those early stage companies who were building the internet.

Joanna Bloor: [00:17:34] My first, I want to say, dot-com job was in 1995, but I had been playing with technology for fun for, gosh, almost a decade before that. And what was true about that era is there were no rules, you know, from, I’d say, 1995 until the present day. Every single job title I have had has been made up and every single job description I have had is made up. And I say this for myself, but that’s the same for my entire peer group of people who ran through that period of time.

Joanna Bloor: [00:18:13] And I say all of that because what I think it means is that anybody who that resonated with, can sit here and go, “Well, hang on a second. I’m really used to there not being rules and rules are made to be broken. And a job description is just a suggestion.” And really, I am going to sit here and say, “How can I play with technology as opposed to asking about career paths?” And then, I flip it around and say, “Well, what is that same narrative for people?”.

Joanna Bloor: [00:18:44] And instead of giving them a sticker, let’s say, you know, anywhere from 30 to 35 and younger, the reality is, it’s both their education and their entertainment, because it was the age of fairness. It was never about here’s the trophy for participation, it was a, here’s a trophy for playing as a team, in an age of what I call a fairness in their education and attainment. You have an entire generation of people who’ve been brought up both in school, where at the beginning of school, they’re told, “This is what you need to do to get an A. Here are the rules.”.

Joanna Bloor: [00:19:21] And you think about even sports and other games, it’s very rule-based. And this is what you do to succeed and level up in all of those sorts of things. And then, you look at entertainment, too, and even the most simple and basic video game—and I will absolutely own that I do play Candy Crush on airplanes while I’m passing out on the runway and it’s something to do to distract my mind. Very simple, basic video games.

Mike Blake: [00:19:46] I’m right there with you.

Joanna Bloor: [00:19:46] You’d think we’d find a little time to meditate or something during that period. I’m not worried about that. But you look at that and in video games, if you break the rules, you die. Oh, but FYI, you also get four more lives. And so, when I look at those pattern and then, also look at the boomer generation, and I sit here and I go, why are we surprised that the talent that is coming into our organization is sitting here saying, “Tell me what the rules are and I will do it. But then, I will expect to level up.”.

Joanna Bloor: [00:20:28] And then, you have an entire leadership team who says, “Hang on a second. Rules are made to be broken”, et cetera. And I sit here and I go, this is why I think there’s a bit of angst between some of the generations because we’ve had different experiences and different patterns. But I also sit here and say, on a much bigger level, I actually think the generations coming into the workplace have it right.

Joanna Bloor: [00:20:55] I do think that questions around what is the right measure of success are the right questions to have. What does success look like? I do think they’re right to come in, like I know that they’ve given that really terrible moniker of snowflake. But what’s true about that is every snowflake is scientifically different. But the reality is, as human beings, we are all incredibly different. And that’s actually what is amazing about human beings.

Joanna Bloor: [00:21:26] And so, I don’t sit here and say, well, hang on, we’re all right in this scenario. You should learn how to break the rules. And everybody is different. And so, I sit here and go, well, the supply chain of the industrial world, which is scalable, repeatable, mechanistic, is about productivity. It shouldn’t be applied to humans because with this, much more organic, evolving, changing things. And so, I say, kill the resume, kill the job description, kill all of it.

Joanna Bloor: [00:22:01] And I know the next question is like, what do you do then? And I actually start to look at, how do you look at your talent, which is, again, for any company, probably the most important thing that you have and say, well, how do we actually shift to the supply chain of human talent? And instead of coming in and saying it’s about stickers and badges and tenure and skills and all of those sorts of things and actually look back again in time to the world before the industrial revolution and say, wow, hang on a second.

Joanna Bloor: [00:22:35] When you or somebody in the workplace prior to, what is that, like late 1800s, they had the equivalent of an internship. We were all artisans and we all learned to craft and apprenticeships. And there was a lot more of almost currency transactions beyond currency when you went to go work for somebody. So, if you were an apprentice working with a master and I will say it was with more than four, there was an expectation that it was more than just a paycheck. And so, I suggest that, you know, the workplace actually becomes much more like school and say, okay.

Joanna Bloor: [00:23:28] As talent is coming in and as you’re having the conversation around the multidimensional changing human and the value of the human, how do you then start to think about, okay, so if the job description is actually trying to solve this problem, what is the combination of skills that we are looking for? But then, starting to ask the question of, what is the potential that we are looking for? Because you’re looking for somebody with ideas, you’re looking for somebody’s brain to come into the conversation. And that has much more of apprenticeship model than I think the employee model of today.

Mike Blake: [00:24:05] So, let me jump in on that, because-

Joanna Bloor: [00:24:09] Okay.

Mike Blake: [00:24:09] … I think there’s a lot to unpack there. And we may just spend the rest of our time kind of unpacking that, which is fine. But a thought that occurs based on what you just said that I think is a critical takeaway is that the nature of work and the way we structure it really is about making it easy to get rid of people, when you really boil right down to it, right? The job descriptions, the leveling up, so to speak. And I love that term, by the way. It’s really all about protecting the firm from being basically attacked by the employee, instead of, what if our approach was we’re just never going to be sued by an employee because we’re just going to focus our efforts on making them good. And therefore, they’d be nuts to sue us and we’d be nuts to fire them.

Joanna Bloor: [00:25:08] Yes. Yes, I’ve had this conversation with a couple of—like the conversation around—my first conversation was let’s get rid of the resume, because I think it’s such a single dimensional document and people spend far too much energy, and the HR executives I’ve talked to across the board have said, “Oh, but we need it so that we don’t get sued.” And while fairness in employment practice and appropriate employment practice, I think, is critically important and really understanding who a person is, is critically important, but any business owner would tell you that if you are putting into practice so that you don’t get sued, you’re actually limiting yourself rather than expanding the opportunity.

Mike Blake: [00:26:00] So, you know, let me ask this, is that tug of war? And one thing we’re hearing a lot more about now is mental health in the workplace. I’m a big advocate for mental health. I think it cannot be talked about too much. You know, is that tug of war between the desire of employees to grow and to develop versus the firm that is trying to protect itself from its own employees? Is that literally driving employees crazy?

Joanna Bloor: [00:26:41] That’s a really interesting question. Not a psychologist, not-

Mike Blake: [00:26:46] Me neither.

Joanna Bloor: [00:26:46] … a doctor.

Mike Blake: [00:26:47] Just you and me talking here.

Joanna Bloor: [00:26:49] It’s just you and me. Okay. My only inclination is to say, of course, it is. You know, there’s been endless studies around the whole carrot and stick science of reward for employees. And you come back to what I said earlier about how both, you know, the, what is it you need to do to get an A, how do you level up within your application, that feedback loop that we’ve all gotten a little bit addicted to. But well done. You got a gold star. You’re the champion on the leader board.

Joanna Bloor: [00:27:25] Like whatever it is, that feedback would just become so easy, that when we’re not getting that feedback looped within our workplace, we start to get anxiety around it. You know, am I doing okay? Is everything working? And then, you add on the fact that the challenge of business is there isn’t always a right answer, which speaks to that multidimensionality and the fact that unless I would argue, I think about like what is the product of the human being in the workplace.

Joanna Bloor: [00:28:12] And it’s their brain time. And even if you have an employee who is working in a retail store, you want them there to think critically as opposed to just being a robot and a machine. And yes, all of the things we have surrounding human’s process, the feedback loop, the, what are you doing, how are you doing it really talks to us more like we’re machines rather than as really interesting human beings.

Mike Blake: [00:28:44] And, you know, think about from a consumer’s perspective, if you have a question or a challenge, what’s the most infuriating thing you can hear? So, well, that’s the rule and I can’t break it, right?

Joanna Bloor: [00:28:56] Exactly.

Mike Blake: [00:28:57] Or if I do that for you, I get fired. And that, more than anything, it makes me want to take my phone and smash it, except it’s worth as much as my wife’s engagement ring, so I’m not going to do that. But, you know-

Joanna Bloor: [00:29:12] But you think about—yeah.

Mike Blake: [00:29:12] But that thinking-

Joanna Bloor: [00:29:14] So, I was think really thoughtfully.

Mike Blake: [00:29:14] … that brainpower is what leads to satisfaction.

Joanna Bloor: [00:29:16] Yeah. So, I just want to give a real example about this because I don’t want to sit completely esoteric on this whole scenario. So, I’m actually going to talk about a situation that I just encountered. So, I want to just lay the land of what’s out there. So, you have just a group of people who have been taught over and over and over again through time, follow the rules, follow the rules, follow the rules.

Joanna Bloor: [00:29:45] They come work for a company and I mean, use—I’m not actually going to say the name of the company since I just had a conversation with the CEO about this because I was curious, but it was a food service company that I was interacting with. And clearly, they had done a really innovative process with food that was part of the experience of the food eating process. That’s about as far as I can go on this. It was a really fun store and I was excited to be in there.

Joanna Bloor: [00:30:15] And I went in to buy the product and the person behind the counter said, “Well, what is your name?” And I said, “Well, I’m literally buying the product. You’re not making anything custom for me. It’s in this package. I just want to walk out the store. Why do you need my name?” And he goes, “But that’s what I’m supposed to do.” And I was like, well, I go and ask like, “Can we just do this?” I was in a rush, just do the credit card and run out.

Joanna Bloor: [00:30:39] Oh, that’s a very simple, easy transaction. What stuck with me afterwards is just like, gosh, if I was GM of this company, I was the CEO of this company, I’m not, what I would want my employee to know that they had the wiggle room to do is actually take the critical thinking and say, hey, look, this woman rolls in. It’s clearly moving at 100 miles an hour, kind of the pace that I operate at. Because she’s not getting something custom made for her, she’s actually just buying a thing off the shelf and literally wants to swipe and go.

Joanna Bloor: [00:31:13] Well, I’m just going to put Bob in the machine and who cares? Because it wasn’t going to take a point where it was, oh, they want my email address so they can send me marketing materials. It was literally to make that process work better. Do they have the bandwidth to break the rules to say, hey, I’m just going to skip the process and actually see that my customer across from me wants to move quickly and service that need as opposed to serving the need of company.

Joanna Bloor: [00:31:44] And I know that seems really myopic and individual and I sometimes wonder if when I describe it, I sound a bit like a whiny customer, which maybe I am. But I sit here and I say, as somebody who understands the retail experience as an example, I would much prefer the employee who understood that the rules could be broken there and that they wouldn’t actually get dinged, punished, whatever for not just being a cog in the machine, while it is a very complex machine that they are running because they’re doing all sorts of customizations and all lots of stuff.

Joanna Bloor: [00:32:19] And I sit here and I go, that this structure of, here is the job description, here are the rules, here is the process, here are the expectations, here’s what’s correct, here’s what’s incorrect is really making our employees into machines more than the amazing thing that they really are. And so, how do you actually help people understand that rules can be broken while also recognizing that we have brainwashed people into saying that you have to follow the rules. Like I think we’ve just roboticized the workforce because you might get sued, because you want to move faster, because of all of these sorts of things. And I come back to, okay, we have got to shift into this more multidimensional space. And again, I could go on, on all of these sorts of things.

Mike Blake: [00:33:10] Well, let’s drill into that actually. So, I’m just gonna tear up the script. And to be perfectly candid, we’re not talking about what I thought I would talk about today, but I think this is really cool and we’re just going to roll with it, okay?

Joanna Bloor: [00:33:20] Okay.

Mike Blake: [00:33:21] And that is because the question I’m really driving at, because you’ve uncovered something I think is important and I think that business people and executives and owners want to know is, how do you deroboticize your workforce? Right? Everybody is subject to this roboticism. And even the places where we don’t want people to be robots, look at customer service representatives, right? We all know they’re looking at a screen.

Mike Blake: [00:33:49] And based on what we tell the CSR on the other end of the phone, assuming they’re human, is that there’s an algorithm in front of them then telling them what the choices are they can give back to me in order to try to resolve whatever it is we’re trying to resolve, right? So, even there, they’re robots, it’s just that there’s a human interface to a robot, basically. So, maybe let’s go with number three, what are three things that an executive should be thinking about if they’re concerned that their workforce is too robotic, too going through the motions, too rigid, and encourage them to, you know, be the thoughtful, organic beings that is there in our nature.

Joanna Bloor: [00:34:34] Okay. Big question, but I will try and get it to three. So, the first one, I would say, is really looking at—so, if you know that you are currently getting roboticized humans, let’s just call them that for right now, the result that you were getting from your current processes of roboticized humans, then I sit here and I say like any products that you are looking at within your company, look at your purchase process.

Joanna Bloor: [00:35:03] You know, if you were buying software as an example, which is, in essence, it is the same thing you’re doing, you would have an RFP process and you would say like, were they nice to have, were they enough to have, like what is that entire purchase process that you are going through? And my guess is for any companies that if you really sat and broke it down and said like, what is—and let’s think about the sales process as a whole and the sale’s funnel starts with how you get into consideration sets.

Joanna Bloor: [00:35:38] What is that first step of consideration set for you? And is it what it is today for most people, which is resumes and keywords and all of those sorts of things. And maybe that is the right set of criteria to get somebody into consideration set. But then, I sit here and say, okay, then there’s the evaluation process of protecting somebody, which currently sits, sometimes, with recruiter, sometimes, with just the hiring manager and say like, are we actually interviewing, for lack of a better term, a robot or are we interviewing for critical thinking?

Joanna Bloor: [00:36:17] And then, the customer service world, like what is it you’re actually asking for and taking them through that? And so, really looking at your purchase process of somebody’s brain time and saying like, what are the different things that we should be looking for as opposed to what does the machine look like, which, I think, on the machine side, tends to lean more to, what are your experiences in the past? What is your skill set?

Joanna Bloor: [00:36:48] You know, I’ll actually use myself as an example of where I threw a purchase process completely out of the windows for a company when I was early in my career. You know, I was a manager of a high-end swimsuit store, where I think it was like $100 to $200 for a swimsuit sort of situation and had, through people that I knew, gotten an opportunity to interview for a dot-com, where I was going to shift from selling swimsuits to selling websites.

Joanna Bloor: [00:37:25] And in today’s world, I absolutely would have not made it through the consideration set because while sales was a consistent skill set, absolutely nothing else on my resume said anything about media, said anything about understanding how to sell to small to medium-sized business, like literally would have not made it through. But because I knew the right people, et cetera, I managed to get a meeting.

Joanna Bloor: [00:37:51] And in the process, and now, I look back on it, I could hear the VP himself really having a hard time trying to bridge my experience in the past with what he needed for me to be a critical thinker for in the future. And we were getting really stuck on a conversation about objection handling and did I know how to handle objections in the media space? And I remember saying to him quite sassily and I held my hands up and I said, “I’ve been selling a piece of fabric this big-“, put my hands fairly close together, “…to more than this big”, and I move my hands apart, then I said, “I’m making them feel great about themselves, at the end today, I don’t think objections are my problem.”.

Joanna Bloor: [00:38:34] And that started the whole hilarious conversation where we really talked about how we transferred, how I think about selling swimwear, and what was the decision-making process for a customer in a swimsuit store, and how did I bridge that to how that would also manifest in this whole internet world because the internet didn’t really exist and somehow, lots of stuff until I was given the opportunity to make that bridge and that required them to rethink their buying process.

Joanna Bloor: [00:39:02] And it worked out for all sorts of reasons. So, I sit here and I say, how do you think about how you were buying people and not necessarily saying, “Look, in my RFP process, they need to be this exact thing, go to this exact school, have this exact skill set.” Because unless you’re having that conversation, you can’t bridge. So, that’s the first one. The second one is really understanding as an employer, that your employers do their job, they don’t marry it.

Joanna Bloor: [00:39:35] It is a transaction. You are renting their brain. And right now, in the robot world, what if it’s just a cash transaction? Well, the only thing is like let’s look at how are you measuring success in the robot-based world. The only things that you can sit here and say like, this is where I can show success for the employee is compensation and title. And I sit here and I say, well, gosh, if you have a real conversation with an employee that, is compensation or title important? Absolutely. But is everything else important, too, because they’re multidimensional? Absolutely, as well.

Joanna Bloor: [00:40:20] And so, I look at it and I say like if you were working for somebody that you are an apprentice with us. And as an apprentice and you’re an apprentice for a, I don’t know how much time I’m going to get with you because it is a double-sided marketplace and my employee might choose to leave. And so, how do I sit here and say, where can I add value that actually helps them much more intrinsically to themselves.

Joanna Bloor: [00:40:48] As opposed to just saying, well, I’m going to add value by adding a ping pong table or bringing in lunch or whatever the pool sparkly thing is today or I’m in a different compensation and/or title and actually come back and say like, who is this human being and how can I actually help them? And I heard people say develop and grow, but it’s not just on their skills to make them more of a human, but actually development in their thinking approach. This brings back to my-

Mike Blake: [00:41:18] Yeah. How do you help them evolve?

Joanna Bloor: [00:41:20] Yeah. And now, I’m going to jump the shark for a second because I sit here and I say like I have been—I mean, I’ve been obsessed about this whole idea for decades and, you know, a lot of this whole narrative on how do you think about talent, which really forced upon me as an executive at Pandora, because I had a team that went from 30 to 400 over three years with revenue numbers that were around $100 million annually to $1 billion annually over that same period of time. And so, everything was moving at a ridiculous speed. And then, the majority of those 400 people were maybe second job out of college, 27, I think, was the average age. And what I realized really quickly was I couldn’t promote every single one of them every six months. Not physically possible.

Mike Blake: [00:42:16] Right.

Joanna Bloor: [00:42:17] I couldn’t give them a raise every single six months. So, coming back to this whole how do you have a conversation was about who they really are and what is their value to the organization completely shifted the narrative around who they were and what they were all about. And as the executive in charge, I would literally go around and be like, “This is why you are important and this is why you are important.” And we’d have a conversation around their value.

Joanna Bloor: [00:42:41] And it had a dramatic difference on their engagements, their tenure, their ability to collaborate with each other, all of those sorts of things. When I sit here and I say like, think about more as apprentices and that you get to borrow their brain. And how do you do that? But what I saw in not only getting our hand forced at Pandora but then, also, as I started to really study this phenomena out in the real world and started to build The Amplify Lab was that, I’d say, 99.9% of the people that I engage with, and it doesn’t matter if they are 18 or 60, have no idea who they want to be when they grow up.

Joanna Bloor: [00:43:27] There’s a tiny percent of people who go, “Oh, no, I have complete and utter clarity about who I want to be and how I can get there.” Well, actually, not necessarily how they can get there, but actually what that thing is or if they have an idea of who it is they want to be. And again, I’m going to come back to the, what are the experiences of the younger, and I say younger, I’m an old lady, younger generations is there’s so much feedback today. Like I just got tagged two times on Instagram today and I was like, “Well, look at that. I got an instant feedback.” There’s so much feedback on am I successful, et cetera. People are then also terrified of breaking the rules, which is also a part of the problem because we are these multidimensional people. So-

Mike Blake: [00:44:17] So-

Joanna Bloor: [00:44:17] I just sit here and I say, let’s-yeah, sorry, go ahead.

Mike Blake: [00:44:19] Well-

Joanna Bloor: [00:44:20] I really jumped the shark just on a bit there, but getting back in.

Mike Blake: [00:44:22] No. Well, actually, you segued because I think then the way to summarize that is, is that third principle is really get to know your employees.

Joanna Bloor: [00:44:29] Yeah.

Mike Blake: [00:44:30] And get to know them for who they are, not what their resumé says they are.

Joanna Bloor: [00:44:35] Right. And it’s not get to know them and say like, “How are your kids”, and all of that sort of stuff, it’s—and thank you for helping me bridge it back—just get to know them, but also help them see themselves and see what their potential could be. And I have absolutely no doubt that every single one of your listeners has a person, whether they have worked for them or not, but they have engaged with where they’ve gone, “Wow, this person has enormous potential and I’m going to put my relationship capital on the line for them and open doors for them and make connections and guide them.” Some people might call this mentors. I think that’s the wrong thing. I think that they are sponsors.

Mike Blake: [00:45:25] Yeah.

Joanna Bloor: [00:45:26] Because when you are putting your own capital on the line, it’s a little bit different. But we sit here and we look at this contract of potential and that is what we’re looking for. Reverse that transaction and say, okay, who are the people who saw that in your personal career path up? And I’ll tell you today, if any one of the people who opened doors for me, who taught me things that made me better, that said, “Gosh, Joanna. Here is your potential”, if they picked up the phone today and said, “Hey, Joanna, I need something from you” or “Hey, Joanna, will you come work with me on-“, whatever it is they’re doing, I would drop everything and go do stuff for them.

Joanna Bloor: [00:46:13] And you sit here and as a manager and you say, okay, how do I get my entire organization to be that excited to work with you? It’s because you have seen the potential in them. And, again, it’s coming back to that double-sided marketplace. And if anybody is listening who is an employee, I sit here and say like, consider that in who you’re working with and that, “Yes, we absolutely want you to do a good job and there’s stuff that needs to get done.”.

Joanna Bloor: [00:46:51] But we are hired, we are promoted, we are given opportunities based on our potential, and it is justified by our past. And so, having that whole conversation about potential and not only for the individual, but what is at their life that they want to go down? And how do you get to know them and know that it’s not just—although, again, because we live in this binary business construct, how do you take just title and compensation off the table and have a conversation about what will actually stretch you, help you grow, help you learn, you know, what is your potential, where am I seeing patterns of something that you’re uniquely good at that maybe you haven’t even considered them?

Joanna Bloor: [00:47:41] Instead of, you know, being almost myopic and saying, “I’m going to follow this career path to be X”. And of course, you want to be a physician and then, I think we will observe a bit different there. But how do you get off that path and actually start to pattern what has happened with business and technology, which again, I’ll say they have shifted and used some of the business constructs of agile developments and beta testing ideas and redeploying one part of the organization, another part of the organization. You would take all of these constructs and do them with human things as well, which allow for a much more multidimensional workplace.

Joanna Bloor: [00:48:26] Like some of my favorite team members in all of my jobs who worked with me were ones that I gave to other departments and said, “I think they’d be really great for you.” While, yes, they don’t have any experience in fill in the blank here, legal, finance, creative, employee development, didn’t matter, but they showed the potential in this space and helping them move into that space. I’ve now got an ally in another part of the company who we’ve got this great relationship with and it always ends up paying off and allows the person to actually start to make more of a portfolio of who they are.

Mike Blake: [00:49:07] So, Joanna, as I predicted, I blinked and about an hour has gone by, so we will have to continue this at some point. But I want to thank you so much for coming on and having this conversation. If somebody wants to pick this up with you, how can they best reach you?

Joanna Bloor: [00:49:24] Well, I am across all of the social medias at Joanna Bloor. I have them all, so come find me anywhere there or they can go to joannabloor.com and find out how to contact us there. Very easy to get through. Clearly, I can talk about all of this ad nauseam and like the nicest notes like say, we are all different, so we will have different questions. So, it’s important to think about how that looks for you.

Mike Blake: [00:49:54] So, before we go, I’m going to test your social media street cred. Do you have a TikTok account?

Joanna Bloor: [00:50:01] No.

Mike Blake: [00:50:03] That’s a shame.

Joanna Bloor: [00:50:04] I know. You know, I am too wary of data and data privacy issues. In my former life, I was an ad technology executive.

Mike Blake: [00:50:17] Okay.

Joanna Bloor: [00:50:19] I have yet to be convinced that that is an environment where the data of me is actually where I want it to be. And so, yeah, I’m going to hold off on TikTok. Yeah.

Mike Blake: [00:50:34] Well, when you do, hopefully, you’ll do something—

Joanna Bloor: [00:50:36] It is off at the moment.

Mike Blake: [00:50:36] When you do, since you’re a child of the ’80s, as am I, I’m hoping you’ll do a Pat Benatar cover and then, make that available.

Joanna Bloor: [00:50:45] Perfect. Done.

Mike Blake: [00:50:46] So, that’s going to wrap it up for today’s program. I’d like to thank Johanna Bloor so much for joining us and sharing her expertise with us. We’ll be exploring a new topic each week, so please tune in so that when you’re faced with your next executive decision, you have clear vision when making it. If you enjoy these podcasts, please consider leaving a review with your favorite podcast aggregator. It helps people find us so that we can help them. Once again, this is Mike Blake. Our sponsor is Brady Ware & Company. And this has been the Decision Vision podcast.

Tagged With: CPa, CPA firm, Dayton accounting, Dayton business advisory, Dayton CPA, Dayton CPA firm, Decision Vision, Employee Engagement, employee relations, Michael Blake, Mike Blake

Family Business Radio, Episode 6: Family-Owned Craft Breweries with Nick Tanner and Alisa Tanner-Wall, Cherry Street Brewing; Charles Gridley, Six Bridges Brewing, and Jason Sleeman, CIBC Bank US

January 15, 2020 by John Ray

family owned craft breweries
Family Business Radio
Family Business Radio, Episode 6: Family-Owned Craft Breweries with Nick Tanner and Alisa Tanner-Wall, Cherry Street Brewing; Charles Gridley, Six Bridges Brewing, and Jason Sleeman, CIBC Bank US
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Family Business Radio, Episode 6: Family Owned Craft Breweries with Nick Tanner and Alisa Tanner-Wall, Cherry Street Brewing; Charles Gridley, Six Bridges Brewing, and Jason Sleeman, CIBC Bank US

How do family owned craft breweries start, get financing, and operate successfully? Lots of answers in this fascinating edition of “Family Business Radio” with host Anthony Chen and guests:  Jason Sleeman, CIBC Bank USA, Nick and Alisa Tanner, Cherry Street Brewpub at Halcyon, and Charles Gridley, Six Bridges Brewing.  “Family Business Radio” is broadcast from the North Fulton Studio of Business RadioX®.

Jason Sleeman, CIBC Bank USA

family owned craft breweries
Jason Sleeman

Jason Sleeman is an associate managing director for CIBC’s Atlanta office. He is responsible for growing CIBC’s presence in the South Eastern United States. His clients have between $2-$50 Million in revenue. Jason provides SBA and conventional lending with a focus on owner-occupied commercial real estate, equipment financing, lines of credit, and merger and acquisition transactions.

Jason has also become an expert in brewery lending, and assists startup and expanding breweries in Georgia. The certified Dale Carnegie trainer has mentored leaders from such companies as UPS, Home Depot and the U.S. Department of Housing and Urban Development.

For more information visit the CIBC website. Jason can be reached by email, or call 404-353-0093.

Nick Tanner, Cherry Street Brewpub at Halcyon

family owned craft breweries
Nick Tanner

Nick Tanner is co-founder of Cherry Street Brewpub at Halcyon in Cumming, GA, with his sister, Alisa. He learned how to homebrew beer while attending college in Fort Collins, CO. Cherry Street Brewpub at Halcyon is an upscale brewery restaurant concept with a relaxed, family-friendly atmosphere, chef inspired food, and award winning beer. They also have the Brewhouse Bar for adults only, featuring a wide selection of bourbons and craft cocktails.

Nick and Alisa followed in the footsteps of their father, Atlanta restaurateur Rick Tanner.

For more information visit Cherry Street Brewpub website or call 770-696-4929. Cherry Street Brewpub is located in Halcyon at 6640 Town Sq, Ste 510, Alpharetta, GA 30005.

Alisa Tanner-Wall, Cherry Street Brewpub at Halcyon

family owned craft breweries
Alisa Tanner-Wall

Alisa Tanner is co-owner of of Cherry Street Brewpub at Halcyon in Cumming, GA, with her brother Nick. Growing up, Alisa hosted and washed dishes in her father’s restaurants, picking up on his entrepreneurial spirit and drive.

For more information visit Cherry Street Brewpub website or call 770-696-4929. Cherry Street Brewpub is located in Halcyon at 6640 Town Sq, Ste 510, Alpharetta, GA 30005.

 

 

Charles Gridley, Six Bridges Brewing

family owned craft breweries
Charles Gridley

Charles Gridley is CEO and co-founder of Six Bridges Brewing in Johns Creek, GA with his son, Clay. They were homebrewers for 10 years before opening Six Bridges Brewing in 2018. Six Bridges has a 2,000 square-foot tasting room, as well as a 2,000 square-foot beer garden. They brew on a 30 barrel brewhouse, and a 2 barrel pilot system.

Charles is a chemical engineer and graduate of Georgia Tech. He previously worked in production manufacturing for Heraeus Tenevo and Baldor Electric.

For more information visit the Six Bridges Brewing website or call 470-545-4199. Six Bridges Brewing is located at 11455 Lakefield Dr #300, Johns Creek, GA 30097

Anthony Chen, Host of “Family Business Radio”

family owned craft breweries
Anthony Chen

This show is sponsored and brought to you by Anthony Chen with Lighthouse Financial Network. Securities and advisory services offered through Royal Alliance Associates, Inc. (RAA), member FINRA/SIPC. RAA is separately owned and other entities and/or marketing names, products or services referenced here are independent of RAA. The main office address is 575 Broadhollow Rd. Melville, NY 11747. You can reach Anthony at 631-465-9090 ext 5075 or by email at anthonychen@lfnllc.com.

Anthony Chen started his career in financial services with MetLife in Buffalo, NY in 2008. Born and raised in Elmhurst, Queens, he considers himself a full-blooded New Yorker while now enjoying his Atlanta, GA home. Specializing in family businesses and their owners, Anthony works to protect what is most important to them. From preserving to creating wealth, Anthony partners with CPAs and attorneys to help address all of the concerns and help clients achieve their goals. By using a combination of financial products ranging from life, disability, and long term care insurance to many investment options through Royal Alliance. Anthony looks to be the eyes and ears for his client’s financial foundation. In his spare time, Anthony is an avid long-distance runner.

The complete show archive of “Family Business Radio” can be found at familybusinessradioshow.com.

family owned craft breweries

Tagged With: craft brewers, Family Business Radio, family owned craft breweries, family-owned breweries, georgia brewery, Halcyon, Nick Tanner, North Fulton Business Radio, North Fulton Studio, Six Bridges Brewing

Inspiring Women, Episode 17: Charting A Financial Course For Women

January 15, 2020 by John Ray

charting a financial course
Inspiring Women PodCast with Betty Collins
Inspiring Women, Episode 17: Charting A Financial Course For Women
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Inspiring Women, Episode 17: Charting A Financial Course For Women

Host Betty Collins addresses the importance of women actively planning for their future, charting a financial course, and finding good advisors to help. She also interviews Helen Colon of Capstone Wealth Advisors. The Inspiring Women podcast is presented by Brady Ware & Company.

Helen Colon, Capstone Wealth Advisors

Helen Colon

Helen Colon is a Financial Advisor with Capstone Wealth Advisors. With 38 years of industry experience, her areas of focus include women’s financial strategies, retirement income strategies, cash flow management strategies, business retirement plans, divorce financial planning, and investments.

Helen is also a Certified Divorce Financial Analyst® (CDFA). As a CDFA, she helps clients with pre-divorce financial planning such as providing strategies for providing financial information and assistance, including evaluating the tax implications of dividing property and the settlement options for dividing pensions, marital property and awarding of child and/or spousal support.

Helen is active in her community, including serving on the board of the Women’s Small Business Accelerator (WSBA). She has also volunteered with the Girl Scouts of Ohio’s Heartland teaching financial literacy workshops for the Women at Ohio Reformatory as well as for the young girls.

Betty Collins, CPA, Brady Ware & Company and Host of the “Inspiring Women” Podcast

Betty Collins, Brady WareBetty Collins is the Office Lead for Brady Ware’s Columbus office and a Shareholder in the firm. Betty joined Brady Ware & Company in 2012 through a merger with Nipps, Brown, Collins & Associates. She started her career in public accounting in 1988. Betty is co-leader of the Long Term Care service team, which helps providers of services to Individuals with Intellectual and Developmental Disabilities and nursing centers establish effective operational models that also maximize available funding. She consults with other small businesses, helping them prosper with advice on general operations management, cash flow optimization, and tax minimization strategies.

In addition, Betty serves on the Board of Directors for Brady Ware and Company. She leads Brady Ware’s Women’s Initiative, a program designed to empower female employees, allowing them to tap into unique resources and unleash their full potential.  Betty helps her colleagues create a work/life balance while inspiring them to set and reach personal and professional goals. The Women’s Initiative promotes women-to-women business relationships for clients and holds an annual conference that supports women business owners, women leaders, and other women who want to succeed. Betty actively participates in women-oriented conferences through speaking engagements and board activity.

Betty is a member of the National Association of Women Business Owners (NAWBO) and she is the President-elect for the Columbus Chapter. Brady Ware also partners with the Women’s Small Business Accelerator (WSBA), an organization designed to help female business owners develop and implement a strong business strategy through education and mentorship, and Betty participates in their mentor match program. She is passionate about WSBA because she believes in their acceleration program and matching women with the right advisors to help them achieve their business ownership goals. Betty supports the WSBA and NAWBO because these organizations deliver resources that help other women-owned and managed businesses thrive.

Betty is a graduate of Mount Vernon Nazarene College, a member of the American Institute of Certified Public Accountants, and a member of the Ohio Society of Certified Public Accountants. Betty is also the Board Chairwoman for the Gahanna Area Chamber of Commerce, and she serves on the Board of the Community Improvement Corporation of Gahanna as Treasurer.

“Inspiring Women” Podcast Series

“Inspiring Women” is THE podcast that advances women toward economic, social and political achievement. The show is hosted by Betty Collins, CPA, and presented by Brady Ware and Company. Brady Ware is committed to empowering women to go their distance in the workplace and at home. Other episodes of “Inspiring Women” can be found here.

Show Transcript

Betty Collins: [00:00:00] Today, we’re going to have a topic that I’m probably most familiar with and could probably talk about for more than one podcast. It’s charting a course for women that … A financial guide is so important, and it’s something that doesn’t always get done. I really want to talk about it because I think you’ll find some statistics that are very bothersome about it.

Betty Collins: [00:00:23] Back in the day, when my mom and dad were married and raising kids, my mom did very, very little with money til later in life. But she made up for time, that’s for sure. My dad just carried the day with all of that. Then, he retired earlier than she did, and he went back to handling money. Then, she really wasn’t too sure of things. When it came time to for her – she’s a widow now – to deal with money, she really had been out of the loop a long time. Fortunately, they had planned well, but they never worked on it together. They never charted the course and had a plan; they just kept doing what they do, which is work hard, save; work hard, save. Not a bad way to go, and they did pretty well.

Betty Collins: [00:01:06] It’s mind boggling that this is 2019. We’re almost at the end of a decade, and that women today take financial planning and put it in a drawer; maybe a closet; under the rug. You would be amazed. It’s not something that they really are at the helm of. Why is that? We’re dominating in so many ways. We’re educating ourselves further than men. We are definitely dominating marketplace, where we’re starting more businesses. We’re providing for our families – sometimes, THE provider. We’re becoming a lot more influential in top leadership positions, such as CEOs, you hear a lot more; executive management. Politics, we are on the rise there. I don’t know why anybody would want to do that, but they do. And we’re really just now making a lot of room in the boardroom. It’s becoming more of our place. We actually have a seat at the table.

Betty Collins: [00:02:04] As we’re dominating, moving certainly forward, really scary statistics by UBS, who is a financial planning firm. 85 percent of women today manage the expenses of their household, whether they’re married or single. It’s just the woman takes that on. Only 23 percent take the lead, when it comes to long-term financial planning. Really, it’s kind of important because, first of all, women live longer than men, so you’re going to have to have some dollars that last longer. Women tend to be a little more risk averse. We miss those growth opportunities because we don’t necessarily want to take the risk. A savings account and security sometimes comes a little bit before that. What they did find was that women who do invest are much more strategic. They’re more goal-driven. Those two things don’t make sense. What it tells me, though, is that we need to have more women thinking about how they’re going to invest.

Betty Collins: [00:03:03] Women put others first. That’s really nice, but I want you to envision yourself as a greeter one day at Walmart because you made sure everybody was taken care of before yourself. You need to pay yourself first, even above your children. I look at my kids today and go, “You’ve got 40 years to work and deal with your life. You can do it.” I’ve had to really be one of those parents who drew a line in the sand. Earlier, as they were kids, I was really obsessed with leaving them money, and making sure they were set for life, and different things like that. Now I look at it and go, “You’re healthy, and you’re educated. Go figure out what you want to do.” So, I put some other things before them that are more important when it comes to financial things.

Betty Collins: [00:03:48] Early and often is the only way to live, when you’re talking about financial planning. Sometimes, we just look at it as, “Well, it’s too late.” I don’t think it’s ever too late to start somewhere. I didn’t start til in 1998. I was going through some personal things that changed; that was my late 30s. I really had to sit down and prioritize what was important. As much as I am a CPA, I am not a financial planner. Those are two different things, so I had to listen to professionals, and I’m still listening to them in my fifth decade of life.

Betty Collins: [00:04:23] The biggest thing I had to do was face my fear with it, and I had to make up for lost time. That took me owning it. I look at financial planning as very complex. I hate reading the statements of how my investments are doing. I don’t like seeing what I should buy and sell. I don’t want to make those decisions. I’m like most women – I’m conservative; I like my security. Yet, I had to make up for some time because I didn’t start til late 30s. I can really say I’m probably not going to be a Walmart greeter because I did those things.

Betty Collins: [00:04:54] I want to talk to you a little bit today about … That’s just my personal experience, and I’m being honest with you. I didn’t start out, from the beginning, putting money in the bank. My husband did. My husband works for the post office and he, from day one, not making a whole lot of money, believe it or not, at the post office 30-some years ago, put something in a 401(k). He started much earlier in life and was able to retire probably much earlier in life because he did those things.

Betty Collins: [00:05:21] What should you do? First, you’ve got to manage your own money. It’s just too hard to make. It’s too hard to earn, and you never know when your earning ability is going to not be there. You have to manage it, and that’s really on you. It’s not on anyone else. As I tell my kids with student loans, who, they don’t want to pay them back, I said, “When you signed those loans, you didn’t say, ‘I’m going to really try to make every effort to pay this loan.’ You said, ‘I need to do this, and I’m going to do that. I’m going to take responsibility.'”

Betty Collins: [00:05:51] If you have a confidence issue with money, and you hate money, and you don’t want to face it, and you don’t want to deal with it; you’re not an accountant, and it’s too much, then picture your life over the next five, 10, and 15 years without money and a plan. What is it going to look like? What are you going to look like when you don’t have the ability to work, if you’re in labor, and now you’re older? What does it look like if your industry’s changing, and you’re not changing with it? What does it look like, when you just want to maybe hide behind the desk? Then, one day, you’re like, “I don’t have this taken care of …”? I still am somewhat intimidated by financial planners because I don’t feel like I know everything. I just found people that I trust.

Betty Collins: [00:06:32] Then, there’s the whole caretaking, and enabling the people in your life. You know what? That takes your resources. My adult children are educated and healthy. They do not need me to hover over them. They do not need me to rescue them. Right now, I have to, as the parent, and as the aging parent, take care of myself. I will tell you, with my parents, who didn’t always put together a plan together, we never had to take care of them because they did have their ducks in a row. But they also made sure they didn’t hover over us for life either. You have to be careful with those relationships that do that. Then, you’ve got to focus on earning while you have the potential to do it. You make hay when you can. You seize your opportunities. Life can change on a dime, so you have to really focus on that.

Betty Collins: [00:07:18] You have to track your expenses somehow, and I don’t mean you need to be sophisticated. I will tell you, and this is almost embarrassing, but I have QuickBooks in my personal life, and I track how we spend money. There are times I look at it … My husband wants never to look at it. He hates it. But I look at that sometimes and look at what I spend it at Kroger in a month, and it’s mind-boggling; or Starbucks coffee. Before you know it, you’re going, “Wow, it took me all that time to earn, and yet I’m throwing it out the door.” Not that Kroger is a bad place, but I probably over-shop, and I have too much. Tracking how you spend is part of the financial planning. It’s just not earning and saving; it’s when you get that, what do you do with it? There is that middle-class millionaire all around you; you have no idea, because they do really watch how they spend. I don’t like being around tight, cheap people. I hate that. I hate people that constantly think a coupon is the answer to everything, but there is a lot of respect I have, when somebody really is intentional about not wasting their money, when they spend.

Betty Collins: [00:08:23] This is a big problem for women, and I think you need to … I need to say it out loud, and then you need to really look in the mirror and see this as a problem in your life – you cannot let relationships sabotage your finances, whether that’s significant others, kids, aging parents, friends, or family. You have to figure out when someone is constantly in your checkbook, and you constantly are working and they’re not, or whatever the case is. They basically are sabotaging … I’ve seen enough women be completely taken advantage of and didn’t even have a clue; or they were so wrapped up in the relationship, when they finally were able to break off – if they did, they saw it – a lot of hard money went out the door in a relationship that also went out the door.  I would encourage you, with relationships like that, you have to let go of those, if you don’t want to be a Walmart greeter; if you want to make your dollars that you work hard for worth their time.

Betty Collins: [00:09:25] It’s a long journey – 40 years. I can’t believe I’m in my last 10, probably, of working. It’s best if you take the whole 40 years to plan and not the last 10, because there is no quick fix. There isn’t any, “I’m going to now just become a huge saver.” It always discourages me, even when I see people who have saved tremendously, and all the sudden, they’re diving into what should not be touched until they’re 65. I see it all the time.  It’s a long journey. It’s a journey that takes you all the way til the time you can retire. People even don’t know how much they have, in those 40 years, or how much they would need to go beyond 20 years. Don’t do that in your life, because, when you finally get some free time, you finally have a little bit of choice, you want to have some financial freedom there, if you can.

Betty Collins: [00:10:17] What should you do when someone says, “I can do this for you,” and Shazam! It’s called quick fix. It’s called luck. It’s really sad that 28 percent of our country thinks that the lottery is a great way to plan for retirement. The other sad part of those statistics are most people … not most, but a good amount of people that win the lottery end up in bankruptcy because they don’t really know how to handle something, first of all, that big, and they didn’t earn it. Then, they have everyone at their doorstep – those typical sabotage relationships. Quick fixes and lucks are not there, but neither is hope. Hope is just not a strategy. “I hope it all works out …” “I hope I don’t have to work at Walmart as a greeter …”

Betty Collins: [00:11:03] I’m not making fun of people who work at Walmart as a greeter. My dad worked til he was 73 because he wanted to. He just wanted to. When he got to a point, where he knew he was going to have to pay taxes on the money, he worked for free; because, for him, getting out and having that purpose was there. But it’s not a strategy, if that’s when you still have to pay your mortgage, and your rent, and all those things. So, don’t look at hope as a strategy. If you catch yourself going, “Well, I just hope my business works out because then I can retire …” – not a strategy.

Betty Collins: [00:11:32] You have to know the difference, when you’re financial planning … Women, you want to really have it all and do it all, as we do, sometimes. You have to know the difference between bad and good debt. There is good debt. I think your house, having debt on it, is not a bad debt. It’s an investment, and it’s a place that you can one day call your own. However, when you have to make a $2,000 payment on a house, you probably have to earn $3,000 or $4,000 to do that. By the time you tax it, and give the government their share, and then you’re paying interest on that, as well, you have to still go, “I know that’s good debt because I have an investment, but I still have to really earn a lot to do that.” When you’re thinking about decisions, like mortgages on a house, which might be good debt, you have to look at the course you’re charting, and say, “Is it worth having to make this kind of money to pay this kind of good debt?” Those are questions, when you hit certain ages in life, you really do have to confront.

Betty Collins: [00:12:40] The other thing about debt is everyone’s very consumed in- because this is just now how we are, and I’m kind of this way. If you asked me to donate money to your organization, if you gave me a card that says, “We want to deduct $30 a month out of your account, and you can give us $360 over a course of a year,” or if you say, “Can you write a $360 check tonight?” I’m probably going to tell you I like the monthly payment, because we are so geared to that. What you really have to ask yourself – and it’s okay that you have monthly payments … Can you afford it? – But do you really know what you paid for the car? Do you really know what you paid for the house? Do you really know what you gave to the charity? The mindset of monthly payment is sure, it’s good for budgeting, but you still have to know, was this worth the buy?

Betty Collins: [00:13:30] I’m a big person of, as soon as Kohl’s starts sending me 30-percent off, I’m thinking, what do I need? What I need? There’s good and bad debt. If you save 30 percent, but then put it on one of their cards, and you just took your time paying it, you didn’t pay 30-percent less, right? We laugh, and we say those things are common sense, but it’s how people live. Then, they get to a point in life- they’re like, “What happened? I can’t go back and make some things change.

Betty Collins: [00:13:57] Here’s a great way to think, when you are charting your course – overestimate the money needs, and then, you get to enjoy maybe the surprise of some excess cash. Now, I’m the person in life, if I lose 10 pounds, I know I can eat what I want for the weekend, instead of going, “I could get to 12 pounds …” That’s just how I think, sometimes.

Betty Collins: [00:14:19] So, sometimes, overestimating, putting yourself to go, “I really need a thousand bucks, but, man, if I had 1,400 … Let’s try to go there and then, we’ll see what happens,” right? When you needed the thousand dollars, and now you need nine, you really did well, but if you need the thousand and you needed 12, you still can cover it. It’s like when people estimate their tax payments. First of all, either people never will pay an estimated tax to the government, which I get, or they love to overestimate because they hate a tax bill, and then, they love getting a big refund. Both ways, to me, are crazy. Try and nail it in and having a little bit of access that the government has to give you back isn’t the worst thing in the world, or whatever the case may be.

Betty Collins: [00:15:03] Women are dominating in starting up businesses. We are one who are, “I gotta do this. I’ve got an idea. I’ve got a passion.” Then we get our, “Okay, my idea has turned into a business, but it’s killing me because I still … It’s this huge investment, and I’m not making probably the money I wanted to.” I think [inaudible] on the Big Bang Theory … Love to watch that show. It’s useless, mindless television.

Betty Collins: [00:15:32] Penny, of course, is an aspiring actress, and she works at The Cheesecake Factory. That’s her day job. She’s always broke, so she decides that she is going to sell some type of jewelry. She’s all excited because she’s making this jewelry, and she can sell it for five bucks; until Sheldon comes in the room and logically puts it through and says, “You would have to sell this many pieces of jewelry to even pay your rent.” At that point, she can’t have this mass production to make thousands of things to pay her rent.

Betty Collins: [00:16:02] When we are charting our course and saying, “If I started my own business, I have so much more freedom, and I can really make some money, and I love what I’m doing,” but it has to be part of the financial plan that it can really work. I’m very fortunate in what I do. I don’t have to sit and talk about a lot of, “I gotta make this many pieces of jewelry …” But in my business, even as a shareholder, I have to sit and say, “If I keep doing hundreds of 1040s without a business tax return, I’m probably not going to make the money that I normally do. Do I want to work that hard and have that much chaos in my life?” Some of it is that’s just what I do but is it part of the long-term plan that you can say, “Hey, I can do this, and I can live, and I can have a good course that I like?”

Betty Collins: [00:16:45] The other thing in business, and in your personal life, are budgets. Very few people live on budgets today. Very few people even know how to create one. When my kids … My daughter was starting to get an apartment, she realized, “I don’t know if I can afford to live.” I said, “Well, you’ve gotta figure it out.” Of course, she finds some app. The app tells you all these things. It creates the budget. She was a little blown away with what it took to live, and she was a little more logical in moving out and not moving out as quickly.

Betty Collins: [00:17:14] Then, she thought through, “We probably can only afford this.” She thought through a lot more. Still got to be independent; not live with her mom, and still got to have her own deal. The next apartment, though, she moved into, she just said, “It’s time to move.” They lost a roommate, and they paid more for rent, and she had to get a different car. All the sudden, she’s like, “Oh, my …” because she really didn’t think through in a budget format.

Betty Collins: [00:17:39] Sometimes, when you’re starting your business, you need to take out as little money as possible versus just, “It’s kinda like my business. It’s my LLC. It’s the same thing as Joe Smith …” But you have to still go, “I only can take this much out of my business because if I’m going to use this business as a resource to get to retirement, guess what? I gotta plan just like I do in my household.”

Betty Collins: [00:18:01] Those are things that you have to do. It’s all exciting. I know you’re just thrilled … Depends on the Walmart greeter question, I guess. Be informed. It’s the biggest struggle I have with our society right now, because we have- it’s almost like we have way too much information, so we’re not getting the right information. That’s a problem for anyone trying to handle their finances. I have people who, “I’m not going to pay those brokers any fees. I can sell my own house. I don’t want to pay a realtor,” or, “I can invest my own money on E-Trade.” Well, you better know how to be informed when you do those things and get to the right information, or I would tell you to hire it.

Betty Collins: [00:18:49] I would tell you that you have that advisor … I have more than one adviser because I need to be informed with the right information. Clicking on Twitter’s article written by someone I don’t know, representing some agenda or opinion, is not information. You have to be very, very careful. Then, I think you have to read, and then you read. It’s all part of owning it. It’s all part of charting your course. There’s a tremendous amount of books which we will have that you can read that get you in the game, especially if you’d rather read a Dummies for Financial Planning than you would some economics book, right? Which, by the way, I don’t even read economics books.

Betty Collins: [00:19:27] There’s all kinds of things. Prince Charming isn’t Coming: How Women can get Smart About Their Money, by Barbara Stanny. All You’re Worth: The Ultimate Lifetime Money Plan, by Elizabeth Warren; not the Elizabeth Warren you probably think of. Your Money or Your Life: Nine Steps to Transforming Your Relationship with Money. Again, you could go online and Google ‘guide to women financials,’ and you’ll find book, upon book, upon book. You also can get people that can recommend books to you, but I would tell you to do that.

[00:20:01] Life is too short, and it’s meant to be enjoyed. Chances are, you will have to work, so make it worth all the time and effort that you do. You can either live in control of your financial path, or you can be controlled by it. I would suggest to you, today, choose wisely and determine how you are going to chart your course to some financial freedom where you can enjoy life on your terms.

Betty Collins: [00:00:00] Today, we’ve been talking about a financial guide for women; hopefully you enjoyed the podcast. I’d like to really wrap it up today with someone who’s been in financial planning a long time. She’s definitely someone that I really do business with and like. Her name is Helen Colon, and she is with Capstone Wealth Advisors. I met Helen through NAWBO Columbus, which is the National Association of Women Business Owners.

Betty Collins: [00:00:27] She’s had an amazing passion for women, for sure, and financial planning. Really, she takes it a step further by making sure that they plan, and they are protected. She has an amazing career and background, and her passion, along with her New York sass, are what sets her apart, for sure. So, Helen, welcome today, and thank you for taking the time that you’re going to spend with us. Just tell the audience just a little bit about you and your journey in the financial world.

Helen Colon: [00:00:56] First of all, Betty, thank you for having me. I started out my career back in 1982 as a key punch operator on Wall Street. Then I grew myself, where I became an institutional trader for many, many years. I did that until 2009, where my life’s trajectory turned, and I became a caregiver for five years, which landed me in Columbus and private practice.

Betty Collins: [00:01:28] Well, I can’t imagine being on Wall Street for 28 years. You were definitely the Lone Ranger. Of course, I know you learned to play golf during that time because that’s what you had to do, right? Talk to me, just a few … I know you have some certain certifications that are geared to women.

Helen Colon: [00:01:46] I have a certification as a certified divorce financial analyst. I received my certification after I met several women who came to me after their divorce was final. They did not come out of that marriage with an equitable portion of the marital assets. It distressed me so much that I made it a priority to help in any way that I can so that other women don’t end up in that position.

Betty Collins: [00:02:17] Sure, sure. I think it’s one of things that I definitely have been attracted to you, because I represent a lot of women business owners, and you’re right, that happens. What do you see when you’re helping women? What are they doing well, and what are they struggling with in the financial world, or in their lives?

Helen Colon: [00:02:36] Well, Betty, women face unique challenges in their lives. The income gap, where we’re only paid 80 percent to the dollar, as opposed to a male counterparts. We have longer lifespans. Typically, we will live at least five to 10 years longer, minimum, than our male … We have multiple roles and responsibilities, such as becoming a caregiver, or going through a transition, such as a divorce. Most times women are not … They put everyone first and they, themselves, on the back burner. That’s a huge mistake, just because, as I said, they live longer; the challenges … So, they need to plan properly and save for themselves for that time.

Betty Collins: [00:03:23] Right. What’s really distressful is I was reading, and I was surprised in the statistic that 85 percent of women handle the financial expenses in their home. Yet only 23 percent, I believe, handle financial planning. I will tell you, it’s an intimidating thing. Sometimes, you feel like, “Oh, no, it’s confession unto God. I’ve got to go tell them that I have money, or I’m doing this, and I don’t know what to do with it.” It’s a hard thing to confront sometimes.

Betty Collins: [00:03:57] But it all comes down, like I said in my podcast, do you want to be a greeter at Walmart or not? Do you want to really handle that? So, tell me what a successful woman looks like when she is in that 23%, and she’s doing what she’s supposed to because they tend to manage money better … They’re better investors, sometimes. They’re a little more aggressive and strategic. What does that successful woman look like that takes it and says, “I’m gonna own this …”?

Helen Colon: [00:04:25] Well, they have to take the fear out of the equation. They have to realize that they need some financial guidance; a professional that will help them take that first step. You need to walk before you run. So, a woman that realizes that she needs some type of financial planning is willing to talk to someone, regardless of whether they have knowledge of investments or not. That’s our responsibility to educate our clients in investments.

Helen Colon: [00:04:57] Financial planning is a relationship with the client. I take great pride in developing a team effect around my clients, as you know. I bring in the CPA for the tax strategies. I bring in the estate attorney for legacy planning, multi-generational planning. Those women that come to me realize that they find value in being- they feel safe. They feel they have their team around them so they can go on and do what they need to do.

Helen Colon: [00:05:32] Financial planning doesn’t just involve investments. We look at risk protection, long-term care. I work with a CPA, with tax strategies, things of that nature. I had a client come to me, as you know, several years ago that wanted help with financial planning. Her fear was that she was going to live in her daughter’s basement if she didn’t plan properly. Well, I can tell you, as of today, that will never happen.

Betty Collins: [00:06:04] Yeah, she’s a great success story, for sure. It’s because she just faced it. She owned it and said, “What do I gotta do?” Because women are that way … When we decide we have to do something, or that this is a priority, it generally gets done. We’re just sort of like that.

Helen Colon: [00:06:15] Face the fear.

Betty Collins: [00:06:19] Yep, face the fear. What are common mistakes you see? This is, “I’m going to just go online and trade all myself because I want to pay a fee,” or [crosstalk]

Helen Colon: [00:06:27] Stop! No!

Betty Collins: [00:06:28] Don’t do that. What are the common mistakes that women make?

Helen Colon: [00:06:36] Well, not taking that first step; not realizing that just because they don’t know what they don’t know, they’re frozen. They need to get out and find someone that they feel comfortable with; develop that relationship with that advisor; and start to educate herself. They need to save now, not tomorrow. Now. It’s imperative because, as you said earlier, wouldn’t it be sad if you got to that full retirement age and realized that you can’t retire because you didn’t plan properly. It would be wonderful if you could get to that point, and say, “You know what? The decision is mine. I’d rather choose to continue to work than not.”

Betty Collins: [00:07:23] Right. I know for myself, I did not start anything til age 38. I tell my kids all the time, I started with 50 bucks a month into something. They just look at you like, “50 bucks a month will never get you there.” Of course, now I’m a young 56 years old. I’m so glad I started somewhere, started something that … I had good advisers around me. When I realized they weren’t good advisors, I got rid of them. I just have a passion about it because you just don’t know, and life can change on a dime. You know [crosstalk]

Helen Colon: [00:07:55] One phone call changed my whole life.

Betty Collins: [00:07:57] Sure. Sure. You were the big dogs on Wall Street, and as you said … Wow, life changed, and you had to be a caretaker of parents, and you were ready to do that.

Helen Colon: [00:08:06] I was fortunate to be able to take that experience from my Wall Street days and translate that into my private practice. I find, most often than not, women want to be spoken to, not at. I like to coach my clients into educating them about what it is that they’re doing; why I recommended something – an investment, or whatever have you; that way, they don’t turn around and say, “Well. Helen told me to do it, so I did it.” No, this is why I did it.

Betty Collins: [00:08:41] Well, it was great having you here today. I appreciate you taking the time. This is Helen Colon, and she is with Capstone Wealth Advisors in the Polaris area, in Columbus. I would encourage you to reach out to her, or find her, or get with me, because she’s just done a fantastic job with other women in business. Again, we have a passion together with NAWBO Columbus. Women, do not let this part of your life go. Make sure that you have a financial guide that you … It’s your course that you are charting.

Ted Schwartz, Joel & Granot Commercial Real Estate

January 14, 2020 by John Ray

Joel & Garnot Commercial Real Estate
North Fulton Business Radio
Ted Schwartz, Joel & Granot Commercial Real Estate
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Joel & Garnot Commercial Real Estate
John Ray and Ted Schwartz

North Fulton Business Radio, Episode 190:  Ted Schwartz, Joel & Granot Commercial Real Estate

The North Fulton commercial real estate market is now Metro Atlanta’s fourth largest. Ted Schwartz, a partner with Joel & Granot Commercial Real Estate, joined us to talk about the dynamics of North Fulton and what to expect in commercial real estate in 2020. “North Fulton Business Radio” is hosted by John Ray and is broadcast from inside Renasant Bank in Alpharetta.

Ted Schwartz, Joel and Granot Commercial Real Estate

Joel & Granot Commercial Real Estate
Ted Schwartz

Ted Schwartz specializes in corporate office tenant representation at the Joel & Granot Commercial Real Estate firm. He brings more than 20 years of commercial office brokerage experience to bear for his clients, predominately office tenants or owner-users of commercial office property. He is a recognized office tenant representation expert with a formidable office brokerage practice covering all major submarkets of Metro Atlanta focusing on the Ga. 400 corridor.

Joel & Granot is a leading commercial real estate brokerage firm serving the Atlanta metropolitan area and all of its primary submarkets. They are business advisors with expertise in commercial property leasing, acquisitions and dispositions on behalf of landlords and tenants. The firm’s work includes commercial office, flex, showroom and retail space as well as investments and land sales. Its Atlanta tenant advocacy work serves many industries, including law firms, nonprofits medical office space occupiers, tech firms, and service companies. Joel & Granot is locally owned yet globally connected as a long-term affiliate of CORFAC International, a worldwide network of leading privately held commercial real estate firms.

To get in touch with Ted, you can email him or call directly at 770-713-2775.  To learn more visit the Joel and Granot website.

Joel & Granot Commercial Real Estate

North Fulton Business Radio” is broadcast from the North Fulton studio of Business RadioX®, located inside Renasant Bank in Alpharetta. Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has grown to become one of the Southeast’s strongest financial institutions with approximately $12.9 billion in assets and more than 190 banking, lending, wealth management and financial services offices in Mississippi, Alabama, Tennessee, Georgia and Florida. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Tagged With: corporate culture, corporate office tenant representation, Ga. 400 corridor, Leadership Atlanta Class, lease transactions, live, live work play communities, North Fulton Business Radio, North Fulton Commerical Real Estate, North Fulton Real Estate Market Correction, North Point Mall, office and industrial real estate, seller's market, Ted Schwartz, tenant advocacy work

Joel Peskin, Big Event Productions, and Hans Meier, North Georgia Promotions

January 10, 2020 by John Ray

Joel Peskin
North Fulton Business Radio
Joel Peskin, Big Event Productions, and Hans Meier, North Georgia Promotions
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Joel Peskin
John Ray, Hans Meier, and Joel Peskin

North Fulton Business Radio, Episode 189: Joel Peskin, Big Event Productions, and Hans Meier, North Georgia Promotions

Networking, promotional products, woodcrafts, and much more were discussed on this edition of “North Fulton Business Radio” as Joel Peskin, Big Event Productions, and Hans Meier, North Georgia Promotions, joined the show. “North Fulton Business Radio” is hosted by John Ray and is broadcast from the North Fulton Business RadioX® studio inside Renasant Bank in Alpharetta.

Joel Peskin, Big Event Productions

Joel Peskin
Joel Peskin

Joel Peskin is the Founder and CEO of Big Event Productions. Joel publishes an email networking newsletter, Joel’s List, which has a subscriber base of 15,000 business professionals in the Metro Atlanta area. Joel also operates the Greater Atlanta Business Expo, held twice a year. Joel’s company conducts monthly networking events called the “The Big Event” around the Metro Atlanta region. Joel is also Co-Founder and CEO of the Metro Atlanta Business Association, which connects business professionals throughout the metro Atlanta area rather than just one county, city or town.  Joel also owns and operates a carpet cleaning company which services the Metro Atlanta Area.

For tickets and sponsorship opportunities to the Greater Atlanta Business Expo, mentioned during the show, click here.

For more information, go to the Joel’s List website or call 404-447-7001.

Hans Meier, North Georgia Promotions

Hans Meier

Hans Meier is Business Development Specialist for North Georgia Promotions, which has grown to be one of North Georgia’s premier, family-owned providers of quality promotional products for any branding, marketing, publicity or communications need. NGA offers high quality custom screen printing and embroidery, digital printing and customized promotional items.

Hans is a member of Lanier Forsyth Rotary, and recently received an award for 25 years of perfect attendance. He serves as the Assist District Governor for Rotary District 6910 – Area 14.  Hans is also a passionate woodworker. He is a woodworking member of Gwinnett Wood Workers and Atlanta Woodturners Guild.

For more information, go to the North Georgia Promotions website or the Hans Wooden Puzzles website. Also email Hans, or call 404-403-2858.

 

North Fulton Business Radio” is broadcast from the North Fulton studio of Business RadioX®, located inside Renasant Bank in Alpharetta. Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has grown to become one of the Southeast’s strongest financial institutions with approximately $12.9 billion in assets and more than 190 banking, lending, wealth management and financial services offices in Mississippi, Alabama, Tennessee, Georgia and Florida. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Tagged With: customized promotional items, Greater Atlanta Business Expo, Hans Meier, Hans wooden puzzles, Metro Atlanta Business Association, NGA Promotions, North Fulton Business Radio, North Georgia Promotions, promotional items, Screen Printing, The Big Event

Stacey Watts, Corporate Payroll Services, and Greg Godwin, Pedego Electric Bikes Alpharetta

January 9, 2020 by John Ray

North Fulton Business Radio
North Fulton Business Radio
Stacey Watts, Corporate Payroll Services, and Greg Godwin, Pedego Electric Bikes Alpharetta
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Greg Godwin and Stacey Watts

North Fulton Business Radio, Episode 188: Stacey Watts, Corporate Payroll Services, and Greg Godwin, Pedego Electric Bikes Alpharetta

Outsourced payroll processing and the appeal of electric bikes were discussed on this edition of  “North Fulton Business Radio” as Stacey Watts, Corporate Payroll Services, and Greg Godwin, Pedego Electric Bikes Alpharetta, joined the show. “North Fulton Business Radio” is hosted by John Ray and is broadcast from the North Fulton Business RadioX® studio inside Renasant Bank in Alpharetta.

Stacey Watts, Corporate Payroll Services

Stacey Watts

Stacey Watts is an account executive with Corporate Payroll Services, a full-service payroll preparation, tax reporting and filing firm located in Norcross, GA. Corporate Payroll Services has helped small and medium-sized businesses since 1991, relieving clients’ worries of penalties and late fees. With over 6,000 clients in all 50 states, Puerto Rico and U.S. Virgin Islands, the company provides competitively priced payroll processing, and exceptional one-on-one service from knowledgeable payroll specialists.

To learn more go, to the Corporate Payroll Services website, Email Stacey directly, or call 770-446-7289.

Greg Godwin, Pedego Electric Bikes Alpharetta

Greg Godwin

Greg Godwin is co-owner of Pedego Electric Bikes Alpharetta with his wife Tina. The Pedego Electric Bikes brand was founded in 2008 by Don DiCostanzo and Terry Sherry, two friends in California. Don lived atop a giant hill that took the fun out of cycling to the beach. Over time he bought several electric bikes for the trek, which also drew the interest of his friends. However, he became disappointed with the bikes’ poor quality, so Don decided to create his own electric bicycles. Pedego Electric Bikes, born out of Don’s vision and Terry’s technical expertise, is now a leading brand in the industry.

Greg is an avid cyclist and always dreamed of owning a bike shop. While researching ebikes, he learned of Pedego and knew it was the right fit. Rather than a franchise, Pedego Alpharetta opened as a dealership, which allowed Greg and Tina to build the store to their vision.

To learn more, go to the Pedego Electric Bikes website, email Greg directly, or call 404-281-0264.

North Fulton Business Radio” is broadcast from the North Fulton studio of Business RadioX®, located inside Renasant Bank in Alpharetta. Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has grown to become one of the Southeast’s strongest financial institutions with approximately $12.9 billion in assets and more than 190 banking, lending, wealth management and financial services offices in Mississippi, Alabama, Tennessee, Georgia and Florida. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Tagged With: Corporate Payroll Services, electric bikes, Form W-2, Form W-4, greg godwin, North Fulton Business Radio, North Fulton Studio, payroll preparation, payroll processing, Payroll reporting, payroll taxes, Pedego Bikes Alpharetta, Stacey Watts, W-2, W-4

To Your Health With Dr. Jim Morrow: Episode 24: COPD and Emphysema

January 9, 2020 by John Ray

COPD and emphysema
North Fulton Studio
To Your Health With Dr. Jim Morrow: Episode 24: COPD and Emphysema
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COPD and emphysema
Dr. Jim Morrow, Morrow Family Medicine and Host of “To Your Health”

To Your Health With Dr. Jim Morrow: Episode 24: COPD and Emphysema

On this edition of “To Your Health with Dr. Jim Morrow,” Dr. Morrow discusses the two main types of chronic obstructive pulmonary disease – chronic bronchitis and emphysema. “To Your Health” is brought to you by Morrow Family Medicine, which brings the CARE  back to healthcare.

About Morrow Family Medicine and Dr. Jim Morrow

Morrow Family Medicine is an award-winning, state-of-the-art family practice with offices in Cumming and Milton, Georgia. The practice combines healthcare information technology with old-fashioned care to provide the type of care that many are in search of today. Two physicians, three physician assistants and two nurse practitioners are supported by a knowledgeable and friendly staff to make your visit to Morrow Family Medicine one that will remind you of the way healthcare should be.  At Morrow Family Medicine, we like to say we are “bringing the care back to healthcare!”  Morrow Family Medicine has been named the “Best of Forsyth” in Family Medicine in all five years of the award, is a three-time consecutive winner of the “Best of North Atlanta” by readers of Appen Media, and the 2019 winner of “Best of Life” in North Fulton County.

Dr. Jim Morrow, Morrow Family Medicine, and Host of “To Your Health With Dr. Jim Morrow”

COPD and emphysema
Dr. Jim Morrow

Dr. Jim Morrow is the founder and CEO of Morrow Family Medicine. He has been a trailblazer and evangelist in the area of healthcare information technology, was named Physician IT Leader of the Year by HIMSS, a HIMSS Davies Award Winner, the Cumming-Forsyth Chamber of Commerce Steve Bloom Award Winner as Entrepreneur of the Year and he received a Phoenix Award as Community Leader of the Year from the Metro Atlanta Chamber of Commerce.  He is married to Peggie Morrow and together they founded the Forsyth BYOT Benefit, a charity in Forsyth County to support students in need of technology and devices. They have two Goldendoodles, a gaggle of grandchildren and enjoy life on and around Lake Lanier.

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

LinkedIn: https://www.linkedin.com/company/7788088/admin/

Twitter: https://twitter.com/toyourhealthMD

The complete show archive of “To Your Health with Dr. Jim Morrow” addresses a wide range of health and wellness topics, and can be found at www.toyourhealthradio.com.

Dr. Morrow’s Show Notes

What is chronic obstructive pulmonary disease (COPD)?

  • COPD is a disease that makes it hard for you to breathe.
    • The two main types of COPD are chronic bronchitis and emphysema.
    • Chronic bronchitis happens when there is an increase of swelling and mucus in your airways. (The airways are the tubes that carry air to and from your lungs.)
    • This swelling causes your airways to narrow, making it harder to push air through them.
    • Emphysema happens when the walls of the air sacs inside your lungs are damaged.
    • This traps air inside your lungs. It can make you feel short of breath.
  • COPD develops slowly and gets worse over time.
    • When COPD is severe, it can interfere with basic tasks.
    • These include doing light housework, walking, or even washing and dressing.
  • Symptoms of COPD
    • COPD can cause a variety of symptoms, including:
    • A long-lasting cough.
    • A cough that produces mucus.
    • Shortness of breath, especially during physical activity.
    • A tight feeling in the chest.
    • Not being able to take a deep breath.
  • COPD symptoms start slowly.
    • They get worse over a period of years if not diagnosed and treated early.
    • Delayed diagnosis and treatment can lead to complications.
    • These could include heart problems (irregular heartbeat and heart failure), high blood pressure, and respiratory infections.
    • Infections can further damage your lungs.
  • What causes COPD?
    • COPD is caused by damage to the lungs.
    • Damage occurs from breathing in unhealthy substances over time.
    • This includes:
      • air pollution
      • chemical fumes
      • gases
      • vapors
      • mists
      • dust
      • tobacco smoke (including secondhand smoke)
    • The majority of COPD cases are caused by smoking.
      • You are at higher risk of developing COPD if you smoke or are around secondhand smoke.
      • Your risk also increases if you have long-term exposure to things that irritate your lungs.
      • This could include certain chemicals, air pollution, or dust.
      • Some people have a genetic condition that can cause COPD, even if they have never been exposed to lung irritants.
    • How is COPD diagnosed?
      • The American Academy of Family Physicians (AAFP) does not recommend general screening for COPD.
      • If you are showing symptoms of COPD, your doctor will perform an exam.
      • He or she will ask you about your symptoms and medical history.
      • They will place a stethoscope on your chest and back to listen to you breathe.
      • An important test to diagnose COPD is called a spirometry test.
        • This simple, non-invasive test measures the amount of air you can blow out of your lungs.
        • It involves breathing into a tube that is connected to a computer.
        • The computer may have a graphic (such as candles or a brick wall) to help you with the test.
        • You are asked to take a deep breath and blow into the tube to blow out as many candles (or knock down as many bricks) as you can.
        • You may be asked to repeat the test multiple times in order to get a good reading.
        • The spirometry test will tell your doctor if you have COPD and how severe it is.
          • It can also be used to determine if something else is causing your symptoms, such as asthma or heart failure.
          • Your spirometry reading will help your doctor decide on the best treatment for you.
        • Can COPD be prevented or avoided?
          • In most cases, COPD is an avoidable disease.
          • The best way to prevent COPD is to not smoke.
          • You should also limit your exposure to things that can irritate your lungs over time.
          • This includes secondhand smoke, air pollution (avoid being outside on days when air pollution is high), chemicals, and dust
  • Treatment:
    • If you are at risk for COPD, an early diagnosis is key.
    • According to the AAFP, death from COPD is preventable with early diagnosis and treatment.
    • Treatment includes:
      • Lifestyle changes:
        • Stop smoking if you smoke cigarettes, cigars, or e-cigarettes.
        • Don’t smoke anything.
      • Medicines:Your doctor may prescribe one or more medicines to ease your symptoms and help you breathe.
        • These medicines may include:
          • Oral antibiotics – to treat infections.
          • Bronchodilators – inhaled medicine to relax the muscles around your airway.
          • Oral or inhaled steroids – to control the inflammation in your lungs and help you breathe.
        • Inhaled medicines involve a small, handheld canister that you carry with you.
          • You can use the medicine as needed or as your doctor has advised.
          • Ask your doctor if you should use a spacer.
          • This is a small, hollow device that helps you inhale more of the medication into your lungs where it is needed.
        • Some inhaled medicine is given through a nebulizer.
          • A nebulizer is a machine that turns liquid medicine into a vapor that you breathe in.
          • It is commonly used to treat people who have more serious COPD.
          • It also helps people who have trouble using handheld inhalers.
        • Vaccines:
          • Certain vaccines can prevent dangerous respiratory infections, such as the flu and pneumonia.
          • These infections can cause serious problems for people with COPD.
        • Oxygen therapy:
          • You may have to use oxygen on a regular basis to help you breathe.
          • This involves wearing a mask or nasal prongs and having the oxygen tank with you to use as you need or as your doctor has advised.
        • Pulmonary rehabilitation:
          • This is a combination of therapies to help you manage your disease and improve your quality of life.
          • A team of health professionals will help you create a plan to help you feel better.
          • Your plan may include a diet and exercise program, breathing strategies, and ways to conserve energy.
        • Everyday Life:
          • COPD is a lifelong condition.
          • But there are things you can do to manage your symptoms.
          • One thing you should do is work with your doctor to develop a COPD Action Plan.
            • A COPD Action Plan can help you recognize when your symptoms change.
            • It also tells you what actions to take when they do.
            • It is important to follow your plan every day, so make it part of your daily routine.
          • You play an active role in managing COPD symptoms through lifestyle changes.
            • Managing symptoms can also slow the progression of the disease.
            • If you have COPD, you should:
          • Avoid things that irritate your lungs.
            • If you smoke, quit. Also avoid air pollution, chemical fumes, dust, and secondhand smoke.
          • Get ongoing medical care.
            • It is important that you see your doctor regularly.
            • Take the medicines that he or she prescribes.
            • Call your doctor or make an appointment if you have any questions, new symptoms, or worsening symptoms.
          • Manage your disease.
            • Make lifestyle changes to minimize the effects of your symptoms.
            • Do activities slowly.
            • Find simple ways to do daily activities, such as cooking or cleaning.
            • Wear clothes and shoes that are easy to take on and off.
            • Ask for help instead of trying to do everything yourself.
          • Prepare for emergencies.
            • Talk to your doctor about what symptoms signal an emergency.
            • That way, you’ll know when to call the doctor or go the emergency room.
            • Keep phone numbers on hand for your doctor, the hospital, and someone who can help you get medical care.
            • Call your doctor if your symptoms are getting worse, if you have signs of an infection such as fever, or if you’re having trouble breathing.
          • Get emotional support.
            • Living with COPD can be hard.
            • You may feel anxious, depressed, afraid, or stressed.
            • It can help to talk to someone about your feelings.
            • You may talk to a counselor or join a support group.
            • Family and friends can also help.
            • Don’t be afraid to tell others how you feel.
          • Remember that early diagnosis can lead to proper treatment, which can help you feel better.
            • The longer you let your COPD go untreated, the worse you will feel.
            • Serious COPD will make it difficult to be physically active.
            • This will affect even the simplest of activities, such as dressing or shopping.

Source:  Familydoctor.org

Tagged With: COPD, COPD Systems, damaged lungs, Dr. Jim Morrow, emphysema, high blood pressure, irregular heartbeat, Morrow Family Medicine, nebulizer, North Fulton Business Radio, North Fulton Studio, oxygen, oxygen tank, pulmonary function test, pulmonary rehab, secondhand smoke, To Your Health With Dr. Jim Morrow, vaccines, vaping

ProfitSense with Bill McDermott, Episode 4: Keith Costley, Keck & Wood, Samantha McElhaney, CenterState Bank, and Dr. Brianna Gaynor, Peace of Mind Psychological Services

January 9, 2020 by John Ray

North Fulton Studio
North Fulton Studio
ProfitSense with Bill McDermott, Episode 4: Keith Costley, Keck & Wood, Samantha McElhaney, CenterState Bank, and Dr. Brianna Gaynor, Peace of Mind Psychological Services
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From Left: Sam McElhaney, Keith Costley, Bill McDermott, Brianna Gaynor

ProfitSense with Bill McDermott, Episode 4: Keith Costley, Keck & Wood, Samantha McElhaney, CenterState Bank, and Dr. Brianna Gaynor, Peace of Mind Psychological Services

On this edition of “ProfitSense with Bill McDermott,” host Bill McDermott talks civil engineering services, banking relationships, and building a mental health practice were on the agenda with three great guests:  Keith Costley, President and CEO of Keck & Wood, Samantha McElhaney, Commercial Relationship Manager at CenterState Bank, and Dr. Brianna Gaynor, owner of Peace of Mind Psychological Services. “ProfitSense with Bill McDermott” is broadcast from the North Fulton Studio of Business RadioX® in Alpharetta.

Keith Costley, Keck & Wood

Keith Costley
Keith Costley

Keith Costley is the President and CEO of Keck & Wood, Inc. Founded in 1954, Keck & Wood is a 50 person professional services firm that provides civil engineering, landscape architecture, and land surveying for clients in the southeast. Their clients include city and county governments, utility companies, state transportation departments, colleges and universities, and private developers. Keck & Wood has offices in Duluth, GA, Rock Hill, SC, and North Charleston, SC.

Keith has worked in the civil engineering industry since graduating from college in 1994, and has been a Keck & Wood employee for 20 years. He is a licensed professional engineer in three states, and is on the Board of Directors of the American Council of Engineering Companies of Georgia. He is active with the North Gwinnett Arts Association and the Chair of the Gwinnett County Public Schools STEM Cluster Advisory Board. Outside of work, Keith enjoys photography, riding his bicycle, and is a home theater enthusiast.

For more information visit the Keck & Wood website. You can reach Keith by email or phone, 678-417-4000. Also connect with Keith on LinkedIn.

Samantha McElhaney, CenterState Bank

Sam McElhaney
Sam McElhaney

Samantha McElhaney is Commercial Relationship Manager at CenterState Bank in Atlanta, GA.  CenterState Bank N.A. was started by a group of bankers and entrepreneurs over 25 years ago with three separate banks in Polk, Osceola and Pasco Counties. They had a history of quality service and community focus. The group of bankers came together around the belief that local ownership and local management would translate into a better bank. Through their vision and investment, a bank was born. CenterState’s core values–local market driven, long term horizon, world class service, relationship banking, faith and family–inspire how the bank operates as a company. They also reflect bank employees’ character and influence on the communities they serve.

As a Commercial Relationship Manager with CenterState Bank, and over 25 years in the financial services industry, Samantha finds joy in providing solutions for her clients and prospects that will resolve their greatest pain points. Furthermore, it is her personal goal to be a leader within her organization and the community she has served in Georgia since moving to the state in July 2005.
For more information visit the CenterState Bank website. You can reach Samantha by email or phone, 678-626-3829. Also connect with Samantha on LinkedIn.

Dr. Brianna Gaynor, Peace of Mind Psychological Services

Dr. Brianna Gaynor
Dr. Brianna Gaynor

Dr. Brianna Gaynor is owner of Peace of Mind Psychological Services in Johns Creek, GA. Much of her work focuses on the diagnosis and treatment of various mental health disorders, including depression, anxiety, trauma, and behavioral disorders through psychological evaluations. Peace of Mind individual and family therapy services are provided for clients as young as age 2 and through adulthood.

Brianna was licensed as a psychologist in the state of Georgia in 2011, and received her doctorate degree from the Georgia School of Professional Psychology in 2009. Her training while in graduate school focused primarily on the treatment of children, adolescents, and families. During Brianna’s internship year she was also trained in faith based therapy. Although she is not a traditional Christian counselor, Brianna has learned how to incorporate faith-based techniques when clients express a desire for them. She has also worked in various settings, including outpatient, residential, and a mental health hospital.

Brianna has a unique way of connecting with others through humor and kindness. Her goal in every encounter is to help others find peace in every circumstance.

For more information visit the Peace of Mind Psychological Services website. You can reach Brianna by email or phone, 678-667-3565. Also connect with Brianna on LinkedIn.

About Your Host, Bill McDermott

Bill McDermott is Founder and CEO of McDermott Financial Solutions. After over three decades working for both national and community banks, Bill uses his expert knowledge to assist closely held companies with improving profitability, growing their business and finding financing. Bill is passionate about educating business owners about pertinent topics in the banking and finance arena.

He currently serves as Treasurer for the Atlanta Executive Forum and has held previous positions as board member for the Kennesaw State University Entrepreneurship Center and Gwinnett Habitat for Humanity and Treasurer for CEO NetWeavers. Bill is a graduate of Wake Forest University and he and his wife, Martha have called Atlanta home for over 40 years. Outside of work, Bill enjoys golf, traveling and gardening.

Connect with Bill on LinkedIn and Twitter and follow McDermott Financial Solutions on LinkedIn. The complete show archive for ProfitSense with Bill McDermott” can be found at profitsenseradio.com.

 

Tagged With: couples counseling, cyber security, Depression, digital bank platforms, digital banking, Dr. Brianna Gaynor, e-Commerce, eco-friendly, Family Therapy, Keck & Wood, Keith Costley, land surveying, landscape architecture, mental health, mindfulness, money cafes, North Fulton Business Radio, North Fulton Studio, Peace of MInd Psychological Services, ProfitSense, ProfitSense with Bill McDermott, psychotherapy, Samantha McElhaney, TikTok, two factor authentication

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