Dr. Sarai Camacho, Luma Health and Chiropractic, Todd Sheppard, Inspired Mortgage Brokers, and Rebecca Brizi, R G Brizi Consulting, on Chiropractic Care, Mortgage Options for Self-Employed Borrowers, and Family Business Succession Planning (Family Business Radio, Episode 77)
On this episode of Family Business Radio, host Anthony Chen welcomes three guests who each built their own practice from the ground up and share what drives them, what sets them apart, and the kind of legacy they want to leave behind.
Dr. Sarai Camacho, founder of Luma Health and Chiropractic in Alpharetta, traces her path to chiropractic through a transformative experience working in a chiropractor’s office, her own health recovery, and chiropractic mission trips to Haiti and the Dominican Republic. She explains why she views chiropractic care as neurological work rather than pain management, pushes back on the idea that pain is a normal part of aging, and describes the first-time patient experience she intentionally creates to demystify and personalize care.
Todd Sheppard, founder of Inspired Mortgage Brokers, left over 25 years in the corporate mortgage world to build a firm focused entirely on the customer experience. He walks through how independent brokers differ from big banks, how self-employed borrowers and real estate investors can access loan programs that fit their actual financial picture, and how he helps clients near and in retirement navigate the mortgage process in ways that avoid unnecessary tax consequences.
Rebecca Brizi, founder of R G Brizi Consulting, spent 12 years developing an internal operations and management system inside a software startup before taking it out on her own. Her consulting work focuses on helping small and family-owned businesses clarify how decisions get made, how teams are managed, and how the business will function when its founder is no longer in the room. She shares the story of working with a husband-and-wife business partnership of 10 years who, when asked about their 15-year plan, gave two entirely different answers, and she explains why succession planning is not about exit timing but about building a business that can outlast any one person.
Anthony closes the episode by connecting legacy to retirement planning, arguing that the most important question is not how many dollars and cents are needed to maintain a current lifestyle but what kind of life and impact a person wants to build in the chapters ahead.
Family Business Radio is underwritten and brought to you by Anthony Chen with Lighthouse Financial Network. The show is produced by John Ray and the North Fulton affiliate of Business RadioX®.
Key Takeaways from This Episode
- Dr. Sarai Camacho approaches chiropractic as neurological work, not pain management, shaped by mission trips to Haiti and her own recovery through chiropractic care.
- Tech neck and sedentary habits are producing spinal problems in younger patients that used to appear only in middle age.
- Todd Sheppard founded Inspired Mortgage Brokers to facilitate holistic financial conversations that big banks and online lenders cannot handle.
- Self-employed borrowers and real estate investors have more mortgage options than most realize, including bank statement loans, asset qualifier programs, and DSCR loans.
- Rebecca Brizi helps family-owned businesses turn unspoken assumptions into explicit plans, work that becomes especially critical when multiple family members are involved.
- Succession planning is not about timing an exit; it is about building a business that does not depend on any one person.
- All three guests defined their legacies around people rather than outcomes: restoring health, earning referrals from clients’ families, and making people’s work enjoyable again.
Topics Discussed in this Episode
00:25 Anthony Chen introduces the show and Dr. Sarai Camacho of Luma Health and Chiropractic
00:54 What drew Dr. Camacho to chiropractic care and opening her own practice
02:44 A memorable patient story from chiropractic mission work in Haiti
07:21 What first-time patients can expect, and the role of the nervous system in chiropractic care
09:09 Tech neck, posture, and why pain is a warning sign rather than a normal condition
13:04 The role of movement, stand-up desks, and whole-body habits in spinal health
15:18 How to reach Dr. Camacho and Luma Health and Chiropractic
16:03 Anthony introduces Todd Sheppard of Inspired Mortgage Brokers
16:19 What led Todd to start Inspired Mortgage Brokers after 25 years in the industry
18:01 Why the mortgage conversation should start with the borrower’s story, not an online calculator
19:28 Mortgage options for self-employed borrowers, real estate investors, and near-retirees
28:23 How to reach Todd Sheppard and Inspired Mortgage Brokers
28:52 Anthony introduces Rebecca Brizi of R G Brizi Consulting
29:07 What led Rebecca to operations consulting and how she developed her system
31:44 The communication gaps common in family businesses, and a couple with two different 15-year plans
36:00 Succession planning, legacy versus day-to-day management, and reducing owner dependency
41:29 How to reach Rebecca Brizi and R G Brizi Consulting
41:50 Legacy question: what do all three guests want to leave behind?
43:18 Anthony’s Financial Takes on retirement planning, purpose, and legacy
Dr. Sarai Camacho, Founder, Luma Health and Chiropractic
Dr. Sarai Camacho is the founder of Luma Health and Chiropractic, a patient-centered chiropractic practice in Alpharetta serving individuals, families, and children of all ages. A graduate of Life University, she takes a neurologically focused approach to care, helping patients understand how spinal health affects the nervous system and overall function rather than treating pain as a standalone symptom. Her passion for chiropractic grew while working for a chiropractor and watching patients move from pain and limitation into better health, an experience that was deepened by her own recovery through chiropractic care. She has completed four mission trips to Haiti and the Dominican Republic through ChiroMissions, work she describes as foundational to her practice philosophy and her commitment to serving the Alpharetta community.
Luma Health and Chiropractic offers family and pediatric chiropractic, Webster-certified prenatal care, spinal decompression for disc and nerve issues, on-site digital X-rays, same-day appointments, and walk-ins. Dr. Camacho is bilingual in English and Spanish.
Todd Sheppard, Founder, Inspired Mortgage Brokers
Todd Sheppard is the founder of Inspired Mortgage Brokers and a hands-on loan officer with more than 25 years of experience in the mortgage industry. After spending his career at national banks, regional banks, and correspondent lenders, he launched Inspired Mortgage Brokers to deliver the personalized, customer-first service he found impossible to provide inside large institutional environments. As both founder and loan officer, Todd is directly involved in pre-approvals, rate quotes, and program recommendations for his clients. He brings a background as a former registered representative to his mortgage work, giving him a broader view of clients’ overall financial situations and enabling a more holistic approach to finding tax-efficient and cost-effective financing solutions.
Inspired Mortgage Brokers works with first-time homebuyers, self-employed borrowers, real estate investors, executives, and clients navigating retirement and senior transitions. As an independent broker, the firm offers conventional, FHA, and VA loans, as well as non-agency options like bank statement loans, asset qualifier programs, and debt service coverage ratio loans for real estate investors.
Rebecca Brizi, Founder, R G Brizi Consulting
Rebecca Brizi is the founder of R G Brizi Consulting, a business consulting practice based in Atlanta focused on helping small and family-owned businesses build better systems for management, decision-making, and long-term planning. She holds dual Italian and American citizenship, grew up in Switzerland, and studied at Vassar College and in London, bringing a multilingual and multicultural perspective to her work with business owners. Before launching her consultancy in 2017, Rebecca spent 11 years in an early-stage software company where she developed and refined the internal operations, strategic planning, and management systems she now brings to clients. That experience included two fundraising rounds, bootstrapping a U.S. operations office, and achieving a customer retention rate above 90%.
R G Brizi Consulting helps with strategic planning, team alignment, and succession planning, especially for family-owned and multi-owner businesses where unspoken assumptions and undefined roles create hidden friction. Rebecca is the author of Phrases for Business Success and publishes a newsletter, Working On Your Business, with practical guidance for small business owners.
Anthony Chen, Host of Family Business Radio
Family Business Radio is sponsored and brought to you by Anthony Chen with Lighthouse Financial Network. Securities and advisory services are offered through OSAIC, member FINRA/SIPC. RAA is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of OSAIC. The main office address is 575 Broadhollow Rd., Melville, NY 11747. You can reach Anthony at 631-465-9090, ext. 5075, or by email at anthonychen@lfnllc.com.
Anthony Chen started his career in financial services with MetLife in Buffalo, NY, in 2008. Born and raised in Elmhurst, Queens, he considers himself a full-blooded New Yorker while now enjoying his Atlanta, GA, home. Specializing in family businesses and their owners, Anthony works to protect what is most important to them. From preserving to creating wealth, Anthony partners with CPAs and attorneys to help address all of the concerns and help clients achieve their goals. By using a combination of financial products ranging from life, disability, and long-term care insurance to many investment options through Royal Alliance, Anthony looks to be the eyes and ears for his client’s financial foundation. In his spare time, Anthony is an avid long-distance runner.
Follow this link to access the complete show archive of Family Business Radio.
