Business RadioX ®

Loraine DiSalvo on Estate Planning for Business Owners

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Loraine DiSalvo, Morgan & DiSalvo, on Estate Planning, Business Succession, and Blended Families (North Fulton Business Radio, Episode 932), with host John Ray
North Fulton Business Radio
Loraine DiSalvo on Estate Planning for Business Owners
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Loraine DiSalvo, Morgan & DiSalvo, on Estate Planning, Business Succession, and Blended Families (North Fulton Business Radio, Episode 932), with host John Ray

Loraine DiSalvo, Morgan & DiSalvo, on Estate Planning, Business Succession, and Blended Families (North Fulton Business Radio, Episode 932)

On this episode of North Fulton Business Radio, host John Ray welcomes Loraine DiSalvo, partner at Morgan & DiSalvo, an Alpharetta law firm specializing in estate planning and trust administration. Loraine discusses the critical importance of proactive estate planning, particularly for business owners facing potential private equity sales or succession challenges. She explains how failing to plan before a business sale can significantly limit tax mitigation options and result in substantial estate tax exposure above the $15 million per person exemption.

Loraine addresses the complexities of estate planning for blended families, noting that no two situations are alike and emphasizing the value of open family discussions before death to prevent conflicts during grief. She also highlights a common misconception that both singles and married couples without children have simple estate planning needs, when in fact they often face complex decisions about beneficiaries beyond the typical spouse and children. The conversation covers succession planning for businesses where the next generation is not interested in taking over, the importance of having proper authority structures in place, and the various life events that should trigger an estate plan review.

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

Key Takeaways from This Episode

  • Business owners considering or approached about private equity sales should complete estate planning before any sale offer materializes, as proximity to a sale makes it increasingly difficult to support lower valuations for tax mitigation purposes.
  • Georgia’s probate process can be quick and inexpensive with a well-drafted will, but inadequate documents can require tracking down distant relatives for consent and result in significantly higher costs and delays.
  • Blended families benefit from open discussions about estate plans while the parents are alive, helping family members understand decisions and reducing the likelihood of disputes during grief.
  • Singles and married couples without children often face more complex estate planning decisions than those with traditional family structures, as they must thoughtfully determine beneficiaries beyond the typical spouse and children.

Topics Discussed in this Episode

00:20 John Ray introduces the show and guest Loraine DiSalvo
02:26 Loraine DiSalvo discusses her background and how she became interested in tax and estate planning law
05:05 The importance of estate planning for successful business owners and the consequences of failing to plan
07:17 How well-drafted wills streamline Georgia’s probate process versus inadequate documents
08:23 Common estate planning issues for business owners
09:09 Estate tax planning strategies for business owners facing private equity sales
11:03 The critical importance of timing estate planning before accepting sale offers
12:02 How Loraine helps clients navigate complex estate planning decisions and options
14:07 Business succession planning when children are not interested in taking over
15:08 The consequences when business owners fail to plan for succession
17:15 Balancing estate distributions when one child is in the business and others are not
17:37 Estate planning complexities for blended families
20:58 The value of family discussions about estate plans to prevent post-death conflicts
22:29 Loraine’s role in educating clients and raising what-if questions
23:03 Common misconceptions about intestate succession for married couples
24:19 Why singles and childless couples often face complex estate planning decisions
26:15 Life events that should trigger a call to an estate planning attorney
28:21 The importance of periodic estate plan reviews as life circumstances change
30:02 Success stories, including helping families with disabled members maintain Medicaid benefits
32:37 Using Georgia’s year support law to protect surviving spouses from creditor claims
34:18 How to connect with Morgan & DiSalvo for a no-charge estate planning consultation

Loraine DiSalvo, Partner, Morgan & DiSalvo, P.C.

Loraine DiSalvo, as heard on North Fulton Business Radio with host John Ray
Loraine DiSalvo

Loraine DiSalvo has been practicing law in Georgia since 1997. Loraine is a partner with Morgan & DiSalvo, P.C., the Alpharetta law firm dedicated to helping individuals and families plan and prepare for the many changes that life brings.

Loraine’s areas of concentration include estate planning, probate, estate administration, trust administration, tax planning, and charitable gift planning. She specializes in addressing the unique needs of blended and non-traditional families as well as same-sex couples.

Loraine is a member of the Stonewall Bar Association, the Georgia Bar Association, the American Bar Association, the Atlanta Bar Association, the Georgia Association for Women Lawyers, the Atlanta Estate Planning Council and the Estate Planning Council of North Georgia. She is a past Chair and past member of the Board of Directors of the Atlanta Bar Association’s Estate Planning and Probate Section, a past member of the CLE Board of Trustees for the Atlanta Bar Association and a past member of the North Fulton Bar Association.

Loraine has almost completed her two-year term as President of the Estate Planning Council of North Georgia, which began in 2024. She previously served as their VP of Programs in 2022 and 2023. She also serves as the Editor-in-Chief of The Mortmain, which is published by the Estate Planning and Probate Section for its members. Loraine spent two consecutive years as President of the Professional Women’s Information Network (ProWIN), an organization that provides networking, educational, and charitable opportunities for entrepreneurial and professional women in the metropolitan Atlanta area. Prior to becoming President of ProWIN, she spent three years as Treasurer and one year as President-Elect. After her two years as President, followed by a year as Immediate Past President and another year as a Member-at-Large on the ProWIN Board of Directors, Loraine left the Board of Directors and served on ProWIN’s Advisory Board.

An Atlanta native, Loraine graduated cum laude from Georgia State University and earned her J.D. degree, with distinction, from Emory University. Loraine has one adopted daughter and two grandchildren. She lives in Sandy Springs with her husband, Anthony, and enjoys riding motorcycles and using her expertise as a trained auto mechanic to work on their multiple cars and bikes.

LinkedIn

Morgan & DiSalvo, P.C.

Morgan & DiSalvo, P.C. is a boutique estate planning law firm based in Alpharetta, Georgia, focused on providing highly personalized guidance to individuals and families navigating wills, trusts, and broader estate and tax planning needs. The firm prioritizes clear, customized plans over generic documents, assisting clients in addressing issues like probate, estate and gift tax planning, trust administration, and elder and disability-related matters as life circumstances evolve.

Founded in 1995 and led by attorneys Richard Morgan and Loraine DiSalvo, the firm has developed a reputation for attentive client service, compassion, and technical depth in trusts and estates work, earning top-tier ratings from multiple legal rating services and recognition as a Tier 1 firm in Georgia for Trusts & Estates Law. With a small team of attorneys and paralegals, Morgan & DiSalvo positions itself as a long-term partner for North Metro Atlanta families, guiding them through planning, administration, and dispute resolution to protect legacies and minimize burdens on beneficiaries.

Website | LinkedIn

Renasant Bank supports North Fulton Business Radio

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

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

Beyond Computer Solutions supports North Fulton Business Radio

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

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

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

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

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

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

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

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

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

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

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

 

 

James Daniel on Financial Planning and Tax Strategies

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

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

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

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

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

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

Key Takeaways from This Episode

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

Topics Discussed in this Episode

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

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

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

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

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

LinkedIn

The Advisory Firm LLC

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

Website

Renasant Bank supports North Fulton Business Radio

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

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

Beyond Computer Solutions supports North Fulton Business Radio

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

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

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

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

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

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

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

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

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

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

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

Julian Jordan on Mobile Pet Grooming in Alpharetta

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

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

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

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

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

Key Takeaways from This Episode

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

Topics Discussed in this Episode

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

Julian Jordan, Owner, Aussie Pet Mobile of Alpharetta

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

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

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

LinkedIn

Aussie Pet Mobile of Alpharetta

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

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

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

Website | Facebook | Instagram

Renasant Bank supports North Fulton Business Radio

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

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

Beyond Computer Solutions supports North Fulton Business Radio

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

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

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

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

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

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

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

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

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

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

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

Shawn Lally on Payment Processing Pitfalls and Cash Flow

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

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

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

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

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

Key Takeaways from This Episode

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

Topics Discussed in this Episode

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

Shawn Lally, Founder/CEO

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

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

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

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

LinkedIn

BizPayPros

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

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

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

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

Website | LinkedIn | Facebook | Instagram

Renasant Bank supports North Fulton Business Radio

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

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

Beyond Computer Solutions supports North Fulton Business Radio

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

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

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

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

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

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

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

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

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

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

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

Dr. Trudy Simmons on Trauma and Mental Health Counseling

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

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

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

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

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

Key Takeaways from This Episode

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

Topics Discussed in this Episode

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

Dr. Trudy Simmons, PhD

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

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

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

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

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

LinkedIn

Milton Counseling & Coaching

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

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

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

Website | Instagram

Renasant Bank supports North Fulton Business Radio

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

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

Beyond Computer Solutions supports North Fulton Business Radio

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

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

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

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

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

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

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

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

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

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

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

Keith Scott, KLSA, on Modernizing Government Operations

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Keith Scott, K.L. Scott & Associates (KLSA), on Modernizing Government Technology, Strategic Planning, and Citizen Experience (North Fulton Business Radio, Episode 922), with host John Ray
North Fulton Business Radio
Keith Scott, KLSA, on Modernizing Government Operations
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Keith Scott, K.L. Scott & Associates (KLSA), on Modernizing Government Technology, Strategic Planning, and Citizen Experience (North Fulton Business Radio, Episode 922), with host John Ray

Keith Scott, K.L. Scott & Associates (KLSA), on Modernizing Government Technology, Strategic Planning, and Citizen Experience (North Fulton Business Radio, Episode 922)

On this episode of North Fulton Business Radio, host John Ray welcomes Keith Scott, CEO of K.L. Scott & Associates (KLSA), a management and IT consulting firm based in Alpharetta. With over 32 years of experience, Scott helps federal, state, and local government agencies modernize their technology systems, break down operational silos, and deliver better outcomes for the communities they serve.

Scott discusses how government agencies face unique challenges, including aging technology infrastructure, workforce turnover with a third of government employees retiring in the next five years, and the need to compete with private sector organizations for top talent. He explains how KLSA helps agencies leverage data-driven decision-making, implement AI readiness assessments, and create strategic plans that survive beyond election cycles. Scott shares success stories, including helping a Maryland state agency redesign their customer call center operations and helping a Midwestern city retain talent by improving community engagement processes.

The conversation covers the importance of citizen feedback loops, how government agencies can attract mission-driven talent despite salary limitations, and the opportunities and challenges surrounding AI implementation in the public sector. Scott also discusses his Citizen Experience Podcast and the KLSA Academy, which provides training in AI skills, executive leadership, and workforce development for government employees.

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

Key Takeaways from This Episode

  • Government agencies must establish citizen feedback loops to understand how their services are being received and identify areas for improvement, rather than relying solely on outlier complaints or praise.
  • The government workforce faces a critical challenge with roughly a third of employees retiring within five years, creating a knowledge vacuum that requires succession planning and strategies to attract mission-driven talent.
  • AI presents opportunities for government agencies to accelerate outcomes and improve efficiency, but requires proper readiness assessments and business cases beyond basic chatbot implementations.
  • Cybersecurity and data vulnerability represent the biggest challenge facing government today, with increasing threats from automated attacks, account theft, and voice impersonation targeting vulnerable populations.

Topics Discussed in this Episode

00:20 John Ray introduces the show and guest Keith Scott
02:12 Keith Scott introduces KLSA and how the firm helps government agencies
03:07 Keith Scott’s career background from software developer to MBA to consulting
04:24 KLSA’s history serving 35-40 municipalities and federal agencies since 2013
05:12 The importance of citizen feedback loops in government service delivery
06:08 Challenges with continuity in government beyond election cycles
08:00 Why government agencies care about citizen experience and compete for taxpayer revenue
10:14 How community planning affects economic vitality, using Alpharetta’s North Point Mall area as an example
11:15 Data-driven decision-making and addressing legacy systems in government
12:35 Citizens compare government services to private sector experiences like Amazon
13:14 Breaking down silos between government departments like fire, education, and parks
15:13 Workforce challenges with government employees retiring and knowledge transfer
16:27 Attracting mission-driven talent versus competing on salary with private sector
17:17 How COVID affected younger workers’ need for mentorship and community
18:20 AI opportunities in government and building agentic AI tools
20:05 Big picture challenges facing government, including cybersecurity threats
21:20 The Citizen Experience Podcast and KLSA Academy
23:05 Symptoms that indicate a government agency needs strategic planning help
24:44 Success stories, including Maryland customer service redesign and Midwestern city talent retention
26:48 Contact information for KLSA

Keith L. Scott, Founder and Chief Executive Officer

Keith L. Scott
Keith L. Scott

Keith L. Scott is the Founder and Chief Executive Officer of K.L. Scott & Associates (KLSA), an Atlanta-based management and information technology consulting firm that helps government agencies modernize systems, strengthen operations, and deliver better outcomes for the communities they serve. With more than 32 years of experience at the intersection of technology, strategy, and public service, he is recognized as a trusted advisor to federal, state, and local government leaders navigating complex, high-stakes transformations.

Keith began his career in consulting with leading global firms, including Deloitte and Gartner, where he refined his analytical rigor, strategic insight, and commitment to excellence. In 2013, he co-founded KLSA to bring large-firm expertise with the speed, flexibility, and personal attention of a boutique consultancy. Under his leadership, the firm has grown into a national advisory partner with offices in Atlanta and Washington, D.C., supporting more than 30 public-sector organizations and earning distinctions such as SBA 8(a) certification, ISO 9001 quality certification, and a GSA Multiple Award Schedule contract.

His work centers on helping government agencies modernize technology, leverage data and AI for better decision-making, improve organizational performance, and enhance the citizen experience. Keith’s leadership philosophy reflects a balance of analytics and empathy, ensuring that every modernization effort stays rooted in people, impact, and community outcomes.

Keith also serves as the host of The Citizen Experience Podcast, where he interviews leaders, innovators, public officials, and industry experts about government transformation, technology, and the future of public service. His thought leadership has positioned him as a sought-after advisor on topics ranging from AI adoption to strategic planning to operational excellence in government.

He holds a B.S. in Computer Science, an MBA in Organizational Strategy, and certification in Business Analytics. When he is not advising clients, speaking, or recording new podcast episodes, he is committed to mentoring emerging professionals and supporting community-driven initiatives.

LinkedIn

K.L. Scott & Associates (KLSA)

K.L. Scott & Associates (KLSA) is a management and information technology consulting firm headquartered in Atlanta, Georgia, with an additional office in Washington, D.C. Founded in 2013, the firm helps government agencies and mission-driven organizations modernize their technology, improve operational performance, and deliver better outcomes for the communities they serve. Guided by the belief that effective government strengthens quality of life for all residents, KLSA blends data-driven insight with practical, people-centered solutions.

KLSA provides a full range of consulting services including IT modernization, artificial intelligence and advanced analytics, strategy and operational improvement, organizational design, change management, workforce development, and program implementation support. The firm’s approach combines rigorous analysis with empathetic leadership, ensuring that every recommendation can be successfully executed and sustained.

KLSA holds several key federal certifications and contracting vehicles, including SBA 8(a) status, ISO 9001 quality certification, and the GSA Multiple Award Schedule (MAS) contract. These designations reflect the firm’s disciplined management practices and make it easy for government customers to partner with them. KLSA also supports clients through its 8(a) joint venture, K2K Ohana, which expands delivery capacity across digital transformation, cybersecurity, AI enablement, and mission-critical federal programs.

The firm has delivered successful outcomes for more than 30 federal, state, and local agencies across the country. Their work spans sectors such as human services, public safety, transportation, education, and finance, helping government leaders respond to modernization pressures, rising citizen expectations, and evolving workforce needs.

Driven by a commitment to service, ethics, and measurable impact, KLSA continues to help public-sector organizations operate more efficiently, use data more intelligently, and deliver a better citizen experience.

Website | LinkedIn

Renasant Bank supports North Fulton Business Radio

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

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

Beyond Computer Solutions supports North Fulton Business Radio

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

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

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

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

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

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

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

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

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

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

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

Working Yet Homeless in North Fulton

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Nesha Mason, The Drake House, and Joy Monroe, SPARC, on Attainable Housing, Working Families Experiencing Homelessness, and the Economy Hotel Evacuation, on North Fulton Business Radio with host John Ray
North Fulton Business Radio
Working Yet Homeless in North Fulton
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Nesha Mason, The Drake House, and Joy Monroe, SPARC, on Attainable Housing, Working Families Experiencing Homelessness, and the Economy Hotel Evacuation, on North Fulton Business Radio with host John Ray

Nesha Mason, The Drake House, and Joy Monroe, SPARC, on Attainable Housing, Working Families Experiencing Homelessness, and the Economy Hotel Evacuation (North Fulton Business Radio, Episode 919)

Nesha Mason, President of The Drake House in Roswell, and Joy Monroe, founder of the Single Parent Alliance and Resource Center (SPARC), join host John Ray to discuss the crisis of working families experiencing homelessness in North Fulton and the broader Metro Atlanta region. The conversation explores the challenges facing single mothers and their children who are living in extended-stay motels, the barriers to attainable housing, and the impact on the local workforce and business community.

The discussion highlights the May 2025 evacuation of the Economy Hotel in North Fulton, which displaced over 100 families, and the book There Is No Place for Us: Working and Homeless in America by Brian Goldstone. Nesha and Joy explain why families become trapped in extended-stay motels despite working full-time jobs, the devastating effects on children living in these conditions, and the urgent need for more attainable housing solutions in North Fulton.

They also discuss the Motel to Home Alliance, the North Fulton Improvement Network, and practical ways community members can get involved, including participating in comprehensive planning processes, listening to the North Fulton Voices podcast, and supporting nonprofit collaboration to address this growing crisis.

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

Key Takeaways from This Episode

  • Single mothers and families experiencing homelessness in North Fulton are often employed full-time but cannot afford the security deposits and first month’s rent required to move from extended-stay motels into apartments, creating a trap that keeps them homeless despite working.
  • Extended-stay motels were originally built for traveling salesmen, not families, yet they now house families in 200–250 square feet with no kitchens, inadequate sleeping arrangements, and exposure to crime, violence, and other adverse childhood experiences that impact children’s health, education, and well-being.
  • The May 2025 evacuation of the Economy Hotel displaced over 100 families, and none could be relocated within North Fulton, disrupting their jobs, children’s schools, and entire support systems while removing essential service workers from the local workforce.
  • North Fulton’s attainable housing shortage affects the entire community, as CNAs, home health aides, daycare workers, teachers, servers, and other essential workers cannot afford to live where they work, reducing workforce availability and increasing costs for businesses and residents alike.

Topics Discussed in this Episode

00:20 John Ray introduces the show and guests, Nesha Mason and Joy Monroe
02:21 Nesha Mason introduces The Drake House and its mission to support single mothers experiencing homelessness
03:12 Joy Monroe introduces SPARC and its housing stability and economic mobility programs
04:54 Joy Monroe shares her personal experience as a single parent living in an extended-stay motel
06:41 The federal classification of families in motels as homeless
08:12 How extended-stay motels become traps for working families
09:07 SPARC’s motel-to-home program and the Motel to Home Alliance
10:42 Barriers to qualifying for apartments, including evictions and credit scores
13:00 The book There Is No Place for Us by Brian Goldstone and the Drake House book club
15:09 The May 2025 evacuation of the Economy Hotel in North Fulton
21:50 The trauma of relocating families outside of North Fulton and its impact on their jobs and children’s schools
23:27 Dispelling myths about families experiencing homelessness
26:39 Effects on children living in extended-stay motels
29:39 Principals allowing children to sleep in class because motels prevent adequate rest
31:08 Extended-stay hotels were never designed for families
33:27 The lack of attainable housing as the root cause of working homelessness
36:02 The cost to North Fulton businesses of losing service workers
39:02 A teacher who cannot afford to live in North Fulton on her salary
40:22 The need for creative housing solutions beyond just apartments
43:16 How community members can get involved through comprehensive plans and the North Fulton Improvement Network (NFIN)
45:35 The importance of engaging at the local level in zoning and comprehensive plans
46:15 How to connect with The Drake House and SPARC

Nesha Mason, President, The Drake House

Nesha Mason, President, The Drake House, on North Fulton Business Radio with host John Ray
Nesha Mason, President, The Drake House

Nesha Mason brings a diverse skill set with more than 20 years of experience in both the public and private sectors. Nesha worked as an operations director in the private sector before transitioning to public service, serving as Mayor for the City of Abilene, Kansas. After her tenure as an elected official, Nesha served as program director for a county-wide nonprofit developing programs that united the medical and early childhood communities. Upon relocation to the Atlanta area in 2013, she served as a Fulton County educator and then transitioned to executive director of a statewide educational foundation focusing on unifying education and workforce development.

In her current role as President of The Drake House, Nesha Mason combines her leadership skills, educational expertise, and commitment to community welfare to lead and support initiatives that empower families and create lasting positive change. Under her leadership, the organization has expanded from housing and support to offering a comprehensive pathway from homelessness to stability. She has enhanced programming, upgraded facilities, and forged vital partnerships to create a community of support for families in need. Nesha also spearheaded the North Fulton Housing Collaborative, uniting nonprofits for greater impact. Her fiscal expertise has grown The Drake House’s budget by 78.5%, ensuring quality care and lasting change for vulnerable families.

LinkedIn

The Drake House

The Drake House provides a short-term crisis and an affordable housing program for single mothers and their children experiencing homelessness in North Metro Atlanta. Their educational, empowerment and mentoring programs assist families in becoming financially self-sufficient and contributing members of the community. The Drake House is the only agency in the area offering an emergency residential program, serving approximately 50 families with 100 children per year. The Drake House envisions a community where every family has the opportunity to recover quickly with dignity from their homeless situation.

Website | Facebook | LinkedIn

Joy Monroe, Founder, Single Parent Alliance and Resource Center (SPARC)

Joy Monroe, Founder, Single Parent Alliance and Resource Center (SPARC), on North Fulton Business Radio with host John Ray
Joy Monroe, Founder, Single Parent Alliance and Resource Center (SPARC)

Joy Monroe is the founder of the Single Parent Alliance and Resource Center (SPARC). Joy started SPARC after moving to Georgia from New York and realizing that her support system had been essential to her success as a single parent. When she relocated to Atlanta with what she thought was a solid plan, she discovered that Atlanta requires employment before securing housing, unlike New York, where cash payments are accepted. The situation led to Joy and her sons living in an extended-stay motel while she secured employment and housing.

On the morning they were scheduled to move into their new apartment, Joy and her sons were hit by a truck. Though they only stayed in the motel for an additional week, that experience galvanized for her how precarious life is for families at extended-stay motels. Even when doing everything right with a solid plan, one unexpected event can trap families in a cycle they cannot escape. Joy also learned that families living in extended-stay motels are federally classified as homeless, even though she did not feel homeless at the time. This personal journey inspired her to create SPARC, which began as a support group in her living room and has grown into an organization serving single parents throughout Metro Atlanta with programs focused on housing stability, economic mobility, and family well-being.

LinkedIn

Single Parent Alliance and Resource Center (SPARC)

The Single Parent Alliance and Resource Center (SPARC) helps single parents, strengthens families, and builds futures through programs that focus on housing stability, economic mobility, and family health. SPARC’s Motel to Home program helps families transition from extended stay motels into stable, permanent housing through outreach, housing assistance, and aftercare support. Families receive help overcoming barriers such as deposits and moving expenses with ongoing guidance to maintain stability. The Motel to Home Alliance, a coalition of partner agencies, ensures that 88% of families receiving housing assistance maintain stable housing after a year.

The Financial Achievement Club is offered as part of SPARC’s aftercare services, where families that have been housed participate in a program to encourage savings and build an emergency account to guard against future homelessness. SPARC also brings programs and services directly to where families live and play, including free afterschool programs at apartment complexes and community events like SPARC in the Park where single parents can participate in educational workshops and build their support networks.

Website | Facebook | Instagram

Renasant Bank supports North Fulton Business Radio

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

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

Beyond Computer Solutions supports North Fulton Business Radio

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

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

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

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

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

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

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

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

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

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

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

The Music Studio Atlanta Opens in Johns Creek

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Cecilia Rowe, The Music Studio Atlanta, on Music Education and Opening a Third Location in Johns Creek, on North Fulton Business Radio with host John Ray
North Fulton Business Radio
The Music Studio Atlanta Opens in Johns Creek
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Cecilia Rowe, The Music Studio Atlanta, on Music Education and Opening a Third Location in Johns Creek, on North Fulton Business Radio with host John Ray

Cecilia Rowe, The Music Studio Atlanta, on Music Education and Opening a Third Location in Johns Creek (North Fulton Business Radio, Episode 917)

North Fulton Business Radio host John Ray welcomes Cecilia Rowe, CEO of The Music Studio Atlanta, one of Georgia’s largest privately owned music schools, serving more than 1,500 students across Metro Atlanta. The company offers instruction in piano, voice, guitar, drums, strings, and select woodwinds through both studio locations and in-home lessons.

Cecilia discusses her family’s four-generation musical legacy, the company’s rigorous hiring process for educators, and how performance opportunities like open mics and recitals build student confidence. She shares a transformation story of a young student who went from crying at her first recital to confidently performing at The Strand theatre, illustrating how music education develops discipline, perseverance, and self-confidence that benefit children throughout their lives.

The Music Studio Atlanta currently operates studios in Vinings and East Cobb and is opening its third location on State Bridge Road in Johns Creek in December 2025. Cecilia also discusses her book, Don’t Miss Your Child’s Musical Window, which addresses when to start music education, how to choose the right instrument, and how to make music a lifelong love.

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

Key Takeaways from This Episode

  • Starting music education early creates stronger neural pathways similar to learning a second language, increasing the likelihood of a lifelong musical journey
  • The relationship between student and teacher is the most critical factor in sustained engagement with music lessons, more important than temporary motivation lapses
  • Performance opportunities in family-friendly, low-pressure environments help students develop confidence that translates to presentations, public speaking, and other areas of life
  • Music education builds foundational life skills, including self-confidence, discipline, commitment, and perseverance, that benefit children in all aspects of their development

Topics Discussed in this Episode

00:19 John Ray introduces the show and guest Cecilia Rowe
02:20 Cecilia Rowe introduces The Music Studio Atlanta and its locations
02:38 Cecilia’s family musical legacy from 1920s UK to present day
04:11 How Cecilia transitioned from corporate work to teaching music
05:41 What music education brought Cecilia as a student: confidence, discipline, and risk-taking
07:38 Cecilia’s love of teaching beginners and starting the family business
08:35 Instruments offered: piano, voice, guitar, drums, strings, and woodwinds
09:18 How parents choose the right instrument for their child
10:08 Discussion of Cecilia’s book Don’t Miss Your Child’s Musical Window
11:14 The studio experience: homey, safe, and child-friendly
12:10 The rigorous hiring process for educators who are musicians
13:52 Matching students with the right teacher for their style and goals
14:32 Open mics at Cecilia’s husband’s pizzeria and their purpose
16:05 Recitals as “fancier open mics” with themes and formal performances
17:30 In-home music lessons: 30 years of service to Atlanta families
18:34 How parents decide between studio and in-home lessons
20:04 Service radius for in-home lessons in Johns Creek area
21:37 Signs that a student needs to change teachers or programs
23:23 The importance of not quitting: commitment and perseverance in music
24:40 Who should engage with The Music Studio Atlanta
26:18 Success stories: improved reading skills and confidence transformation
28:59 New Johns Creek location details and ribbon-cutting event

Cecilia Rowe, CEO, The Music Studio Atlanta

Cecilia Rowe, CEO, The Music Studio Atlanta
Cecilia Rowe, CEO, The Music Studio Atlanta

Cecilia is a seasoned marketing and child-focused business professional with over three decades of experience and the owner of the multi-award-winning company, The Music Studio Atlanta. One of Georgia’s largest privately owned music schools, currently teaching more than 1,500 students both in-studio and at-home, the Music Studio Atlanta currently has locations in the Vinings and East Cobb areas and has expanded to open a third location in December 2025, in Johns Creek/Alpharetta.

After moving to Atlanta in 1989, Cecilia and her family started an in-home music lessons business, Courtnay & Rowe In-Home Music Academy, and spent 20 years teaching piano, voice, and guitar. She later became sole owner, and she merged it with the studio locations of The Music Studio Atlanta to create its current multi-location model. The Music Studio Atlanta is proud to have received five community awards last year, and this year the company has already been honored with four more.

Cecilia is passionate about creating safe spaces and family-friendly experiences for music education and aims to inspire children of all ages to build self-confidence, experience joy, and learn valuable life lessons through music. She recently was honored by the Cobb County Chamber with Women’s Owned Business of the Year as well as her third year in a row being awarded with Top 25 Business in Cobb.

In addition, Cecilia wrote a book as a musical resource for families, but also highlighting her musical journey and her family’s musical legacy. The book, Don’t Miss Your Child’s Musical Window, is also the motto of Cecilia’s life.

LinkedIn

The Music Studio Atlanta

The Music Studio Atlanta is one of Georgia’s largest privately owned music schools, teaching more than 1,500 students both in-studio and in-home across Metro Atlanta. The company believes that music lessons should be fun while encouraging self-confidence, self-expression, and proficiency through performance opportunities. Students learn to focus, take risks, and persevere when the going gets tough and are rewarded for these efforts with an exclusive proprietary reward system as well as recognition for recital and other performance achievements. The Music Studio Atlanta sets goals like recitals and open mics to inspire students to practice more, learn faster, and gain self-confidence through performance opportunities. The company currently operates studios in Vinings (the flagship location since 2011) and East Cobb/Marietta (since 2022) and is opening a third location in Johns Creek/Alpharetta in December 2025 at 10945 State Bridge Road.

The Music Studio Atlanta offers comprehensive music education in piano, voice, guitar (including bass, ukulele, acoustic, and electric), drums, strings (violin, viola, and cello), and select woodwinds, with approximately 85 teachers across the organization. The Music Studio Atlanta has received multiple community awards and is proud to be affiliated with the National Association for Music Education, Georgia Music Educators Association, and Music Teachers National Association.

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Renasant Bank supports North Fulton Business Radio

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

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

Beyond Computer Solutions supports North Fulton Business Radio

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

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

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

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

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

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

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

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

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

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

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

Housing Affordability Tops Metro Atlanta Concerns

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Housing Affordability Tops Metro Atlanta Concerns: Inside the Metro Atlanta Speaks 2025 Survey, on the North Fulton Voices podcast
North Fulton Studio
Housing Affordability Tops Metro Atlanta Concerns
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Housing Affordability Tops Metro Atlanta Concerns: Inside the Metro Atlanta Speaks 2025 Survey, on the North Fulton Voices podcast

Housing Affordability Tops Metro Atlanta Concerns: Inside the Metro Atlanta Speaks 2025 Survey (North Fulton Voices, Episode 15)

For the first time since the Metro Atlanta Speaks survey began in 2013, housing affordability has emerged as the region’s top concern, edging out longtime leaders like traffic, crime, and the overall economy. In this edition of North Fulton Voices, hosts Jack Murphy and Kathy Swahn have a conversation with Ann Carpenter, Chief Research and Innovation Officer at the Atlanta Regional Commission, and Bill Huang, ARC data scientist and lead analyst for Metro Atlanta Speaks 2025.

Ann and Bill walk through how the survey is conducted across 11 Metro Atlanta counties, what has changed in this year’s results, and why residents are feeling the squeeze. They discuss numbers that catch your attention: more than 4,100 respondents, a sharp rise in pessimism about the next three to four years, and a striking share of renters who say they simply cannot afford to move within their own neighborhoods. They also highlight where the public sees causes and solutions, from zoning and investors to infill development and transit investment.

The conversation then shifts to North Fulton. Kathy and Jack connect the data to the on-the-ground reality of trying to obtain a home under four hundred thousand dollars or a rental under twenty-five hundred a month on a one hundred thousand dollar household income. They offer a concrete call to action for listeners: pay attention to comprehensive planning in cities like Alpharetta and Roswell, and use this data as a starting point for informed, practical conversations about housing affordability and missing middle housing.

To access the complete 2025 Metro Atlanta Speaks survey, follow this link.

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

Key Takeaways from This Episode

  • Housing affordability is now the top concern in the Metro Atlanta Speaks 2025 survey, ahead of traffic, crime, and the broader economy.
  • Renters are feeling the strain most acutely, although homeowners also report rising pressure on housing affordability as well.
  • The ARC team prefers “housing affordability” rather than “affordable housing,” since the challenge spans a wide range of incomes and situations, not just subsidized units.
  • Residents express openness to solutions such as infill development, housing near job centers, and better transit options.
  • Vocal opposition to new housing often sounds louder than it is, and the broader public may be more supportive of change than public meetings suggest.
  • For North Fulton, the data helps frame the difficulty of finding attainable homes and rentals for the workforce that powers the local economy.
  • Local comprehensive planning is a key lever for shaping future housing options, and residents have an opportunity to bring real data into those discussions.

Topics Discussed in this Episode

00:00 Introduction to North Fulton Voices
00:35 Overview of the Metro Atlanta Speaks 2025 Survey
02:06 Key Findings from the Survey
04:00 Introducing the Guests: Ann Carpenter and Bill Huang
05:34 Deep Dive into Survey Methodology
07:12 Housing Affordability: A Growing Concern
12:05 Public Perception and Policy Implications
15:00 Traffic, Transportation, and Regional Growth
17:14 Future Directions and Community Engagement
33:39 Conclusion and Call to Action

Atlanta Regional Commission

The Atlanta Regional Commission (ARC) is the official planning agency for the 11-county Atlanta Region, including Cherokee, Clayton, Cobb, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Henry, and Rockdale counties, as well as the City of Atlanta and 74 other cities. The Atlanta Regional Commission’s mission is to foster thriving communities for all within the Atlanta region through collaborative, data-informed planning and investments.

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Ann Carpenter

Ann Carpenter, Atlanta Regional Commission
Ann Carpenter

Ann Carpenter is the Chief Research and Innovation Officer at the Atlanta Regional Commission. She leads the team responsible for producing data, analysis, and applied research to inform long-range planning for the eleven-county Metro Atlanta region. Ann has a strong background in housing and community development research and focuses on connecting high-quality data to real-world decisions related to transportation, housing, and regional growth. Before joining ARC, she worked at the Federal Reserve Bank as Assistant Vice President and Director of Community Development Research, where she addressed issues like affordable housing and community resilience. Ann has also worked closely with ARC during the COVID-19 pandemic and serves on regional advisory boards. She graduated from Georgia Tech and is deeply committed to enhancing the Atlanta region through data-driven planning and innovation.

LinkedIn

Bill Huang

Bill Huang, Atlanta Regional Commission
Bill Huang

Bill Huang is an urban data scientist at the Atlanta Regional Commission and the principal analyst for the Metro Atlanta Speaks survey. He designs and maintains data tools and analytical models that give practical advice to local governments and community leaders, helping them understand public sentiment, quality-of-life trends, and regional challenges like transportation, economic issues, artificial intelligence, and climate shifts. Holding a Bachelor of Science in Mechanical Engineering and a Master of Science in Urban Analytics from Georgia Institute of Technology, Bill combines technical expertise with a multidisciplinary, people-centered approach to urban planning. He is also active in mentoring emerging urban planners, encouraging curiosity and strategic thinking in their work.

LinkedIn

North Fulton Improvement Network

The North Fulton Improvement Network (NFIN) is a think tank made up of community leaders from a variety of sectors, focused on missing middle housing and the livability challenges confronting North Fulton. We come from the six cities making up the northern half of Fulton County, Georgia—Alpharetta, Johns Creek, Milton, Mountain Park, Roswell, and Sandy Springs—and are working to address the widespread yet little-known financial vulnerability across the region. With stakeholders from sectors including business, nonprofit, faith, government, and citizens, we center our work on five areas of impact, seek to educate the public about these issues, build a network of individuals and organizations with innovative private and public solutions, and connect resources to those in need.

The leadership team of NFIN is Jack Murphy, Nancy Diamond, and Kathy Swahn.

Website | LinkedIn | Facebook | Instagram | Twitter | YouTube

Jack Murphy

Jack Murphy
Jack Murphy

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

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

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

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

LinkedIn

Kathy Swahn

Kathy Swahn, President Emeritus, The Drake House
Kathy Swahn

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

Kathy transitioned back to work by jumping into the non-profit world. She joined the team at North Fulton Community Charities, running their Holiday Program, becoming Development Director and successfully managing the $3 million capital campaign for their Elkins Road location. Along the way, she also served on the DFACS Board and chaired the board of the Fulton County Continuum of Care for four years.

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

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

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

LinkedIn

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

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

John Ray
John Ray

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

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

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

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

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