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Mortgage Trends and Tips, with Todd Sheppard, Inspired Mortgage Brokers

April 29, 2025 by John Ray

North Fulton Business Radio

Mortgage Trends and Tips, with Todd Sheppard, Inspired Mortgage Brokers

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Mortgage Trends and Tips, with Todd Sheppard, Inspired Mortgage Brokers (North Fulton Business Radio, Episode 866)

In this episode of North Fulton Business Radio, host John Ray welcomes Todd Sheppard, owner of Inspired Mortgage Brokers, to discuss the intricacies of the mortgage industry. They delve into Todd’s background, the benefits of working with an independent mortgage broker, and the current state of the housing market. Todd shares insights into the challenges buyers face, particularly the emphasis on payment sensitivity due to rising rates and inflation. The conversation also highlights the importance of holistic financial planning, especially for seniors, and explores the often misunderstood but valuable option of reverse mortgages. Throughout the discussion, Todd emphasizes the need for empathy, detailed communication, and personalized service to alleviate the stress associated with mortgage processes.

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.

Todd Sheppard, Inspired Mortgage Brokers

Todd Sheppard was drawn to the mortgage industry for its fast-paced environment and the opportunity to help people. As company founder, he is tasked with finding the best wholesale lenders and technology companies with which to partner. As a hands-on loan officer, he is the first point of contact for many Inspired Mortgage Broker customers. Our clients are often surprised to learn that our company owner has a hand in completing their pre-approvals, quoting their rates, and discussing their program options. He also enjoys building lasting and mutually beneficial connections with our referral partners.

Often described as energetic, compassionate, approachable, and creative, over the course of his career, Todd has worked with everyone from first-time homebuyers and recent retirees to business executives and high net-worth clients. With an innate understanding of each segment and their diverse needs, he has closed on everything from starter homes to luxury beachfront properties. Todd gains his greatest rewards from helping people achieve their dreams of home ownership or their vision of a comfortable retirement. He finds joy in saying “YES” when other mortgage lenders have said no, and he takes pride in putting people at ease and instilling them with confidence. He also enjoys helping his referral partners grow their businesses.

For Todd, his vision of an “inspired life” is one where he has the freedom and ability to do whatever it takes to help his customers and referral partners succeed. His love of his work is apparent in every contact and positive impact he makes.

Website | LinkedIn

Topics Discussed in this Episode

00:00 Introduction and Welcome to North Fulton Business Radio
00:28 Meet Todd Sheppard: Inspired Mortgage Brokers
02:21 Understanding Independent Mortgage Brokers
03:01 Todd’s Journey into Mortgages
03:49 Navigating the Mortgage Process
07:14 Current Housing Market Trends
10:31 Mortgage Industry Insights
15:12 Special Focus: Seniors and Mortgages
21:50 Reverse Mortgages: A Viable Option?
25:32 Success Stories and Final Thoughts
28:24 Closing Remarks and Announcements

About North Fulton Business Radio and host John Ray

With over 860 shows and having featured over 1,300 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 market, community, and profession. 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. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and recorded inside Renasant Bank in Alpharetta.

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

You can find the full 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 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 and bookkeepers, marketing professionals, and other professional services practitioners.

John is the national bestselling author of The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices.

Groveway Community Group: Unsung Heroes of North Fulton, with Gail Bohannon McCoy

February 24, 2025 by John Ray

North Fulton Business Radio

Groveway Community Group: Unsung Heroes of North Fulton, with Gail Bohannon McCoy

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Groveway Community Group: Unsung Heroes of North Fulton, with Gail Bohannon McCoy (North Fulton Business Radio, Episode 844)

In this episode of North Fulton Business Radio, host John Ray interviews Gail Bohannon McCoy of Groveway Community Group, an iconic organization serving the North Fulton community since 1943. Gail discusses the rich history of the organization, its mission to help everyone from youth to seniors, and the critical services they provide, including clothing drives, financial assistance, and support for the elderly. Gail also shares touching success stories and highlights the ongoing needs for volunteers, donations, and specific items. This insightful discussion sheds light on the compassionate and impactful work done by Groveway Community Group over the years.

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

Gail Bohannon McCoy, Groveway Community Group

Gail Bohannon McCoy is the Executive Director of Groveway Community Group.

Groveway Community Group (GCG), Roswell’s oldest non-profit organization, continues its mission of providing assistance to the elderly and youth in the community. Founded in 1943, GCG has evolved into a vital community resource, focusing on strengthening and unifying the local area.

GCG has a rich history marked by resilience and determination. In 1961, their community center was torched by the Ku Klux Klan, a tragic event that could have halted their progress. However, the community came together to rebuild, demonstrating their strength and commitment to their mission. This historical context underscores the significance of GCG’s role in fostering unity and addressing disparities within the community. Over the years, they have continued to provide essential services and support, making them a cornerstone of community development in Roswell.

Currently, GCG is actively involved in several initiatives and events. They are a major contributor to the Roswell Roots Festival, Georgia’s largest Black History celebration held throughout the month of February. This festival features various cultural events, exhibits, and music performances, promoting education and cultural awareness. GCG is also hosting a family outing day in Groveway Community Park as part of the festival.

In addition to their cultural contributions, GCG continues to provide essential services to the community. They organize community clothing giveaways, where they distribute clothing to people in need. The organization also offers programs such as youth scholarships, support for nursing homes, and provision of school supplies for children. GCG remains committed to addressing unmet needs within the Roswell community, encouraging citizen participation in community affairs, and promoting good citizenship.

Website | LinkedIn | Instagram | Facebook

Topics Discussed in this Episode

00:00 Introduction and Welcome to North Fulton Business Radio
00:28 Meet Gail Bohannon McCoy
02:04 Groveway Community Group’s Mission and History
09:03 Challenges and Advocacy for the Community
12:33 Supporting Seniors in Roswell
18:27 Engaging the Youth
20:19 How You Can Help
24:02 Conclusion and Final Thoughts

Renasant Bank supports North Fulton Business Radio

Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has become one of the Southeast’s strongest financial institutions, with over $17 billion in assets and more than 180 banking, lending, wealth management, and financial services offices throughout the region. All of Renasant’s success stems from each banker’s commitment to investing in their communities as a way to better understand the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

About North Fulton Business Radio and host John Ray

With over 800 shows and having featured over 1,200 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 market, community, and profession. There’s no discrimination based on company size, and there’s never any “pay to play.” North Fulton Business Radio supports and celebrates business by sharing positive business stories that traditional media ignore. Some media lean left. Some media lean right. We lean business.

John Ray, Business RadioX - North Fulton, and Owner, Ray Business Advisors — **John Ray, Business RadioX – North Fulton, and Owner, Ray Business Advisors**

John Ray is the host of North Fulton Business Radio. The show is recorded and produced from the North Fulton studio of Business RadioX® inside Renasant Bank in Alpharetta. You can find the full 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.

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

John is the national bestselling author of The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices.

Protecting Seniors with Daily Money Management, with Barbara Scurry, Senior Partners

January 7, 2025 by John Ray

North Fulton Business Radio

Protecting Seniors with Daily Money Management, with Barbara Scurry, Senior Partners

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Protecting Seniors with Daily Money Management, with Barbara Scurry, Senior Partners (North Fulton Business Radio, Episode 832)

In this episode of North Fulton Business Radio, host John Ray interviews Barbara Scurry of Senior Partners. Barbara shares how her company provides daily money management services to seniors, helping them with tasks like sorting mail, paying bills, and managing finances. The discussion highlights the importance of protecting seniors from financial scams, with Barbara sharing various success stories where her intervention saved clients substantial amounts of money. Additionally, Barbara discusses the characteristics one should look for when hiring a daily money manager and provides practical advice on how seniors can protect themselves from financial scams.

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

Barbara Scurry, Founder, Senior Partners

Barbara Scurry

Barbara Scurry grew up in Minneapolis, Minnesota, but has lived in the Atlanta area since late 2000. She earned a Bachelor’s of Business Administration with honors from Middle Tennessee State University and pursued a career in marketing within the manufacturing, financial services, and geriatric healthcare industries. While doing sales and business development in nursing homes and marketing for a continuing care retirement community and a private-duty home care company, she developed a passion for working with senior citizens.

In 2011, Barbara founded Senior Partners, formerly known as The Money Moxie, with the aim of serving as a financial advocate for seniors who are grappling with their daily life and financial concerns. With her skill at organizing chaos, Barbara and her staff get things done for their clients, protect them from fraud, help keep them independent, and save them money. Senior Partners specializes in providing above and beyond personalized, concierge-type services for their clients.

Barbara lives in Peachtree Corners with her husband Darryl and their adorable Maltipoo, Mr. Mojo.

Senior Partners

Senior Partners is a daily money management company founded in 2011 that provides comprehensive financial support and peace of mind to seniors facing challenges with daily financial management. Their dedicated team of “Senior Partners” offers compassionate, professional services designed to help seniors maintain their independence and financial well-being, particularly for those without local family support or who have recently lost a spouse responsible for managing household finances.

The company serves a diverse clientele, including seniors living alone, families in the “Sandwich Generation” struggling to manage their parents’ finances, and industry professionals seeking trusted advocacy for their senior clients. Their in-home services cover a wide range of financial needs, from bill-paying and budgeting to fraud protection and professional service coordination. With a commitment to personalized care, Senior Partners offers a free 15-minute consultation to help potential clients understand how they can provide support and maintain financial security for seniors.

Website | LinkedIn

Topics Discussed in this Episode

00:00 Introduction and Welcome to North Fulton Business Radio
00:27 Guest Introduction: Barbara Scurry, Senior Partners
01:45 Daily Money Management Explained
04:30 Barbara’s Journey and Passion
07:46 Comprehensive Services Offered
15:20 Protecting Seniors from Scams
24:10 Client Success Stories
27:57 How to Choose a Daily Money Manager
30:17 Conclusion and Contact Information
31:29 Host’s Final Remarks

Renasant Bank supports North Fulton Business Radio

About North Fulton Business Radio and host John Ray

The show welcomes a wide variety of business, non-profit, and community leaders to get the word out about the important work they’re doing to serve their market, their community, and their profession. There’s no discrimination based on company size, and there’s never any “pay to play.” North Fulton Business Radio supports and celebrates business by sharing positive business stories that traditional media ignore. Some media leans left. Some media leans right. We lean business.

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

John is the national bestselling author of The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices.

Addressing Senior Housing Challenges in North Fulton, with Beth Cayce, Caravita Home Care, and Tanya Morris, Senior Services North Fulton

August 12, 2024 by John Ray

Addressing Senior Housing Challenges in North Fulton, North Fulton Voices podcast

North Fulton Studio

Addressing Senior Housing Challenges in North Fulton, with Beth Cayce, Caravita Home Care, and Tanya Morris, Senior Services North Fulton

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Addressing Senior Housing Challenges in North Fulton, with Beth Cayce, CaraVita Home Care, and Tanya Morris, Senior Services North Fulton (North Fulton Voices, Episode 3)

In this episode of North Fulton Voices, hosts Kathy Swahn and Jack Murphy from the North Fulton Improvement Network (NFIN) discuss the pressing issue of senior housing challenges in the North Fulton region. Featuring guests Tanya Morris, Client Services Director at Senior Services North Fulton, and Beth Cayce, CEO and founder of CaraVita Home Care, the discussion delves into the shocking statistics and stories highlighting the housing struggles faced by seniors. They cover topics such as affordability, the need for innovative housing solutions, the impact of aging demographics, and the importance of community and government support. The episode calls for greater awareness, community involvement, and comprehensive planning for the future.

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

Beth Cayce, CaraVita Home Care

Beth Cayce is the Founder and CEO of CaraVita Home Care in Roswell, Georgia, bringing over 42 years of healthcare experience to her role. Since establishing the company in 1998, she has dedicated herself to providing compassionate senior home care services. A licensed physical therapist with a Master’s degree, Cayce previously held leadership positions in various healthcare organizations, including PersonaCare and TheraTx. She actively contributes to the community as a board member of Fulton County’s Council of Elder Affairs and co-founder of the Dementia Friendly Fulton coalition. Under her leadership, CaraVita has become a respected provider of senior care services in the Metro Atlanta area.

CaraVita Home Care has been a trusted provider of in-home senior care services since its founding in 1998. With a mission to support families throughout the caregiving journey, CaraVita offers a comprehensive range of personalized services designed to meet the unique needs of each individual. Their professional team includes registered nurses, medical social workers, geriatric care managers, and rehabilitation therapists, all of whom bring a wealth of experience and expertise to the table. With a combined 175 years in the senior care industry, CaraVita is committed to delivering compassionate, high-quality care that enhances the quality of life for seniors. Services include companionship, personal care, medication management, and specialized dementia care, ensuring that clients receive the support they need to maintain their independence and dignity.

At CaraVita, the well-being of clients is paramount, and the organization prides itself on its rigorous caregiver screening and training processes. Caregivers are carefully selected for their skills, experience, and compatibility with families, creating a supportive environment that fosters trust and comfort. CaraVita offers flexible care solutions, available 24 hours a day, to accommodate various schedules and needs, whether for hourly assistance or live-in care. This adaptability allows families to find the right level of support for their loved ones, ensuring peace of mind and a focus on enhancing the overall well-being of seniors in their care.

Website | LinkedIn | Instagram | Facebook | Beth Cayce LinkedIn

Tanya Morris, Senior Services North Fulton

Tanya Morris is the Client Services Director at Senior Services North Fulton, a position she has held since 2016. She has been with the organization since 2011. In her role, she oversees the Case Management program and manages seven senior centers in Atlanta and North Fulton.

Senior Services North Fulton is a private, non-profit organization established in 1991, dedicated to enhancing the quality of life for older adults in the North Fulton area. The organization offers a wide range of programs and services designed to support seniors, promote their independence, and foster community engagement. Among its key offerings are the Meals on Wheels program, which provides nutritious meals to older adults who may have difficulty with grocery shopping or meal preparation, and transportation services that help seniors reach medical appointments and other essential destinations. Additionally, Senior Services North Fulton operates seven senior centers where older adults can socialize, participate in activities, and enjoy various programs that encourage an active and engaged lifestyle.

The mission of Senior Services North Fulton is to provide services and support that enhance the quality of life and independence of seniors in the community. The organization envisions an inclusive environment where all older adults are respected, cared for, and supported in living meaningful lives. Through its comprehensive approach, Senior Services North Fulton strives to empower seniors, ensuring they have access to the resources and connections necessary to thrive in their later years.

Website | Facebook | Tanya Morris LinkedIn

Topics Discussed in this Episode

00:00 Introduction to North Fulton Voices
00:41 Senior Housing Challenges: Key Statistics
02:47 Introducing Our Guests: Tanya Morris and Beth Cayce
03:51 Concerns in Senior Care and Senior Housing Challenges
06:16 Affordability and Accessibility in Senior Living
13:20 The Importance of Aging in Place
17:24 Family Dynamics and Senior Care
19:29 The Decline of Nuclear Families and the Role of Technology
20:04 Challenges of Technology for Seniors
21:49 Affordability and Housing Solutions
24:25 Community and Political Involvement
27:48 Innovative Housing Concepts
29:39 Raising Awareness and Volunteering
33:57 Conclusion and Resources

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.

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.

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 Washington, D.C., area, where her children and grandchildren reside.

About North Fulton Voices

While North Fulton County is one of the most desirable places to live in the United States, the region faces a growing crisis: a severe shortage of housing options for middle-income employees, particularly essential workers such as first responders and teachers. Presented by the North Fulton Improvement Network, North Fulton Voices is the go-to source for in-depth analysis and discussion of missing middle housing and the livability challenges confronting North Fulton. Listen as we understand the implications of this problem, explore innovative solutions, and examine why providing these housing options is vital for North Fulton’s future. The show is sponsored and offered as a service to the community by John Ray Co. and the North Fulton affiliate of Business RadioX®.

Sponsor for North Fulton Voices: John Ray and Business RadioX – North Fulton

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

John Ray is a podcast show host and producer and owns the North Fulton (Georgia) affiliate of Business RadioX®. John and his team work with B2B professionals to create and conduct their own podcast using The Generosity Mindset™ Method: building and deepening relationships in a non-salesy way that translates into revenue for their business.

John also operates his own business advisory practice, Ray Business Advisors. John’s services include advising solopreneur 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.

Website | LinkedIn

Navigating the North Fulton Real Estate Market, with Pam Santoro, Berkshire Hathaway HomeServices Georgia Properties

April 11, 2024 by John Ray

North Fulton Business Radio

Navigating the North Fulton Real Estate Market, with Pam Santoro, Berkshire Hathaway HomeServices Georgia Properties

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Navigating the North Fulton Real Estate Market, with Pam Santoro, Berkshire Hathaway HomeServices Georgia Properties (North Fulton Business Radio, Episode 761)

In this episode of North Fulton Business Radio, host John Ray interviews Pam Santoro, a realtor with Berkshire Hathaway Home Services Georgia Properties. Pam shares her journey from a computer science background to a successful 20-year career in real estate, highlighting her expertise in the North Fulton region. The discussion covers current market dynamics, including the effects of low supply and high demand, interest rates, and the importance of strategic property upgrades for sellers. Pam also shares insights on the aging population’s real estate needs, including aging in place, and introduces her book on the subject. Additionally, the conversation touches on the importance of home staging, the “three P’s” of property marketing, and personal success stories that underscore Pam’s dedication to her clients.

John Ray is the host of North Fulton Business Radio. The show is recorded and produced from the North Fulton studio of Business RadioX® inside Renasant Bank in Alpharetta.

Pam Santoro, Berkshire Hathaway HomeServices Georgia Properties

Pam Santoro’s passion for people, homes, and business sparked her career in real estate. Originating from a family that moved from the Pittsburgh, Pennsylvania, area to Kansas City, Missouri, and then to Alpharetta, Georgia, Pam understands the emotional journey of relocation firsthand. She recalls a poignant moment during their first move when her daughter inquired if the family would need to find new relatives along with new friends. This personal experience deeply informs her empathetic approach to helping families find their ideal homes. Santoro is a seasoned real estate agent within the Luxury Collection at Berkshire Hathaway HomeServices Georgia Properties. She holds a Bachelor of Science degree in Computer Science and Business from Robert Morris University.

Currently, she is an active member of several prestigious organizations, including the Atlanta Board of Realtors, the Georgia Association of Realtors, and the National Association of Realtors, and she has earned designations such as Luxury Specialist, Accredited Relocation Specialist, and 55+ Realty Advisor Specialist. She is also involved with the Women’s Council of Realtors, the Greater North Fulton Chamber of Commerce, and the Alpharetta Business Association.

Santoro’s professional achievements are numerous and include receiving the Five Star Award continuously from 2000 to 2024 and being named North Fulton’s Best Realtor by Family Life Publications in 2021 and 2019. In 2018 and 2014, the Greater North Fulton Chamber of Commerce named her Ambassador of the Year, and in 2023, she received the Community Builder Award. In 2015, she was inducted into the Berkshire Hathaway Honor Society. Her leadership roles have included serving as President of the American Business Women’s Crabapple Chapter from 2011 to 2013, where she was also recognized as the Woman of the Year in 2011, and as the WCR Member of the Year in 2010.

Beyond her awards, Pam is deeply involved in her community through her roles as chair for her church’s Married Couples Group, coordinator for Aging Well Workshops, originator and coordinator for the Senior Resource Alliance of North Atlanta, a member of the National Aging in Place Council, and a co-author of Difficult Aging in Place Conversations: What Industry Experts Have to Say. Her comprehensive involvement and contributions underscore her dedication to her profession and community.

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

Topics Discussed in this Episode

00:00 Welcome to North Fulton Business Radio
01:26 Introducing Pam Santoro: A Journey from Computer Science to Real Estate
01:37 The Art of Real Estate: Pam’s Approach and Market Insights
08:27 Aging in Place: Insights and Safety Tips
14:31 Staging Homes for Seniors: Maximizing Value with Minimal Investment
17:35 Marketing Mastery: The Three P’s of Property Sales
18:32 Navigating the North Fulton Real Estate Market
22:46 A Heartwarming Success Story: Helping Stanley
26:14 Closing Remarks and Resources

About North Fulton Business Radio and host John Ray

With over 750 shows and having featured over 1,200 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 studio address is 275 South Main Street, Alpharetta, GA 30009.

John is the national bestselling author of The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices.

Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has become one of the Southeast’s strongest financial institutions, with over $13 billion in assets and more than 190 banking, lending, wealth management, and financial services offices in Mississippi, Alabama, Tennessee, Georgia, and Florida. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Kaye Ginsberg, Peace of Mind Transitions

March 8, 2022 by John Ray

North Fulton Business Radio

Kaye Ginsberg, Peace of Mind Transitions

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Kaye Ginsberg, Peace of Mind Transitions (North Fulton Business Radio, Episode 438)

Moving is one of the top stressors of life, particularly for older adults. and those stresses can be exacerbated by health issues and family dynamics. Kaye Ginsberg, founder of Peace of Mind Transitions, joined this edition of North Fulton Business Radio to discuss her company’s comprehensive service offerings, which bring smiles of relief and take the worries out of moving. She and host John Ray discussed Kaye’s motivation for starting the company, the unique challenges of senior move management, why the listening skills and empathy her employees possess are so vital, current trends in senior living, selecting a mover, and much more. North Fulton Business Radio is broadcast from the North Fulton studio of Business RadioX® inside Renasant Bank in Alpharetta.

Peace of Mind Transitions

Peace of Mind knows how hard moving can be. Their company was created to take the stress out of moving for older adults and their families. They are here to take care of you from start to finish.

They treat each client as if they were family. They approach every job with compassion, respect, and a sense of humor. They LOVE what they do.

Their professional experience will help you save time, money and make your move stress-free. They use preferred, vetted partners to make your transition as smooth as possible. Let their expertise in senior home moving bring you “Peace of Mind.”

They begin with a complimentary meeting to get to know you and introduce Peace of Mind Transitions. This meeting typically lasts one to two hours so that they can walk through your home, explain our services, and determine how we can best work together.

Their trained team will carefully and professionally pack your belongings, so they arrive safe and sound. They bring all our own packing materials and supplies.

Peace of Mind Transitions works with several different movers who specialize in custom jobs. They will find the right moving company for you, manage them through the entire process and be there every step of the way to ensure that all parts of the move go according to plan.

You may need help beyond just the move. They are here to help in every way. You may need window treatments redone to fit the new home, additional tech support setting up computers, help transferring utilities, or a handyman to install bookcases or other home modifications. If Peace of Mind doesn’t do it – they know someone who can.

Company website | LinkedIn | Facebook | Twitter

Kaye Ginsberg, Founder & Owner, Peace of Mind Transitions

Kaye didn’t realize it at the time, but her childhood in an Air Force family who moved every 2 or 3 years, was the perfect foundation for running a Senior Move Management company.

This discovery came later in life as Kaye’s early career was in Advertising and Publishing, including time in New York City as Marketing Director of Conde Nast Traveler Magazine. Kaye and her husband, Allen, moved to Atlanta in 1992, where she became a full-time mom to their three wonderful children while continuing to use her marketing skills in volunteer capacities.

In 2014, Kaye was introduced to the world of Senior Move Management when her out-of-state mother needed to move to a senior living community. Kaye began to investigate and then joined NASMM, the National Association of Senior & Specialty Move Managers, completed introductory training and started the company in June of 2016.

Kaye began Peace of Mind Transitions with the thought that it would be a small company with one or two of her friends helping as needed. But as time went on, demand for their services increased as the number of senior living communities in the Atlanta market took off and the communities appreciated the professional, quality work the company provided.

They now have a team of 25 people who are passionate about helping clients through what can be a difficult period in their lives.

Questions and Topics in this Interview:

Understanding Senior & Specialty Move Management
Peace of Mind Transitions and the market you serve
Trends in senior living
Downsizing for older adults

North Fulton Business Radio is hosted by John Ray and broadcast and produced from the North Fulton studio of Business RadioX® inside Renasant Bank in Alpharetta. You can find the full 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, Stitcher, TuneIn, and others.

Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has grown to become one of the Southeast’s strongest financial institutions with over $13 billion in assets and more than 190 banking, lending, wealth management and financial services offices in Mississippi, Alabama, Tennessee, Georgia and Florida. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Special thanks to A&S Culinary Concepts for their support of this edition of North Fulton Business Radio. A&S Culinary Concepts, based in Johns Creek, is an award-winning culinary studio, celebrated for corporate catering, corporate team building, Big Green Egg Boot Camps, and private group events. They also provide oven-ready, cooked from scratch meals to go they call “Let Us Cook for You.” To see their menus and events, go to their website or call 678-336-9196.

Tips for Senior Transitions, with Pam Santoro and Sarah Watchko, Senior Resource Alliance of North Atlanta

February 3, 2021 by John Ray

North Fulton Business Radio

Tips for Senior Transitions, with Pam Santoro and Sarah Watchko, Senior Resource Alliance of North Atlanta

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Tips for Senior Transitions, with Pam Santoro and Sarah Watchko, Senior Resource Alliance of North Atlanta (North Fulton Business Radio, Episode 327)

Pam Santoro and Sarah Watchko bring real estate and legal expertise, respectively, to their work with transitioning seniors. They joined host John Ray to discuss implications of seniors remaining in their home as they age, availability of Medicaid and VA benefits to pay for long-term care, the prohibitive cost of not having appropriate legal documents in place, and much more. “North Fulton Business Radio” is produced virtually from the North Fulton studio of Business RadioX® in Alpharetta.

Pam Santoro, Realtor, Berkshire Hathaway

Specializing in luxury real estate, relocation, resale, and new construction, Pam Santoro has experience in both the selling and buying sides of a real estate transaction. Living in the North Atlanta area for over 25 years, Pam knows the communities and neighborhoods.

With 15 years in the Atlanta Real Estate market, she is both an expert and a professional. Her computer science/business background combined with being a seasoned negotiator enables her to get the best deals for her clients.

Call 678-656-6627 today to find your perfect home or to market and sell your existing residence.

Website LinkedIn Facebook Instagram Twitter

Sarah Watchko, Partner, Hill & Watchko, LLC

Sarah Watchko is a Certified Elder Law Attorney with Hill & Watchko, LLC in Alpharetta, Georgia. Hill & Watchko is a premier boutique wills, trusts, estates, elder law, special needs, and fiduciary litigation firm providing personalized, efficient, and reasonably priced services of the quality found in the typical large, downtown law firms. An Atlanta native, Sarah earned her law degree from the Wake Forest University School of Law in 2008. Sarah’s practice areas include traditional estate planning; long-term care planning, including Medicaid benefits for nursing home care and Department of Veterans Affairs pension benefits; special needs trust planning; and trust and estate administration. She is one of only eleven Certified Elder Law Attorneys (“CELAs”) in the state of Georgia.

While she serves clients of all agents in her planning practice, one of Sarah’s primary areas of focus is helping seniors and their families navigate the complex maze of long-term care and incapacity planning. She is also devoted to planning for individuals with special needs. Sarah is devoted not only to practicing with the highest level of technical expertise but also to establishing strong and meaningful relationships with her clients. Sarah lives in Roswell with her husband, Jeff, and their two young children.

Company website LinkedIn Facebook Instagram Twitter

Questions and Topics in this Interview:

How to plan for long-term care as you age
Issues with remaining in the home and how to help aging loved ones
Issues with selling the home and how to help aging loved ones
Availability of Medicaid to help pay for long-term care
Availability of VA Benefits to help pay for long-term care
The importance of having the right Estate Planning Documents in place

North Fulton Business Radio” is hosted by John Ray and produced virtually from the North Fulton studio of Business RadioX® in Alpharetta. You can find the full 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, Stitcher, TuneIn, and others.

Alison O’Neil, Beauty Becomes You Charitable Foundation

July 22, 2020 by John Ray

North Fulton Business Radio

Alison O'Neil, Beauty Becomes You Charitable Foundation

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Alison O’Neil, Beauty Becomes You Charitable Foundation (North Fulton Business Radio, Episode 261)

Beauty Becomes You Charitable Foundation Founder Alison O’Neil joined host John Ray to discuss how her organization and their volunteers give lonely seniors a renewed sense of self worth. “North Fulton Business Radio” is produced virtually by the North Fulton studio of Business RadioX® in Alpharetta.

Beauty Becomes You Charitable Foundation

BBYF was founded in 2005 by Alison O’Neil in memory and spirit of her kind hearted father who said to her, “Beauty becomes you,” just before he died. In an effort to provide a positive experience for older adults and their families by fulfilling common everyday grooming needs of seniors with limited access, opportunity, and means to aesthetic health programs, aesthetic healthcare services including basic hair, skin, and nail care as well as massage therapy are provided by volunteer licensed cosmetology and healthcare professionals (aesthetic health professionals) in safe, convenient locations for seniors.

Since the program began, approximately 500 amazing volunteers have served more than 5000 senior clients over 15,000 services. They receive requests all the time from all over the world for programs.

Alison O’Neil, Founder

Ms. O’ Neil, B.S., M.E., A.R.S. has been practicing in the fields of Medical Esthetics and Aesthetic Rehabilitation for over thirty years. After twenty-seven years in dermatology and 5 years in plastic surgery she shares her pearls of patient care with professionals nationwide.

Among her professional publishing and media credits, Ms. O’ Neil has served on the editorial board of Progressive Clinical Insights, The Medical Journal for Skin Care Professionals published by the NCEA. She has been nationally recognized in Self, Mademoiselle, Woman’s Day, American Health, Harper’s Bazaar and Town & Country magazines as well as several major newspapers and television networks including CNN, TBS, ABC & NBC. Her most recent publication on Geriatric Aesthetics can be found in Aging Well Magazine.

Point of Contact for Beauty Becomes You

Questions/Topics Discussed in this Show

History- Why Beauty Becomes You- the name.
Why our target audience is Senior Adults and Caregivers
Our mission: To prevent Failure to Thrive Syndrome.
What services do we provide to meet our mission.
How are we touching Seniors today while the pandemic continues and restrictions continue to keep older adults from seeing their family and friends directly? Circles of Light initiative
Georgia and Beyond- our mission to GROW our outreach.

North Fulton Business Radio” is produced virtually from the North Fulton studio of Business RadioX® in Alpharetta. You can find the full archive of shows by following this link. The show is available on all the major podcast apps, including Apple Podcasts, Spotify, Google, iHeart Radio, Stitcher, TuneIn, and others.

Traditional vs Reverse Mortgages E19

July 20, 2020 by Karen

Phoenix Business Radio

Traditional vs Reverse Mortgages E19

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Traditional vs Reverse Mortgages E19

Lawgitimate hosted by Mike & Rochelle Poulton with special guest, Jim Hostler with High Tech Lending. This week’s episode “Over 60? Traditional vs. Reverse Mortgages” covered a lot of topics.

Beware the Coronavirus Face Mask Exemption Card
Identity theft and how to resolve it
Business Lending and business credit
Masks – can you be forced to wear one? Yep.
Traditional v. Reverse Mortgages
Types of Mortgage Loans – ARM v. Fixed v. Negative Amortization
Who qualifies for a Reverse Mortgage?
All the perks of a Reverse Mortgage
Yes, you still own and can keep your house
Over 62? Consider a Reverse Mortgage

Enjoy!

This episode explores mortgage options for people over 60 – should you refi or consider a reverse mortgage? We discussed the changes in the law that turned a reverse mortgage from a racket into an awesome financial planning tool and several scenarios discussing when a reverse mortgage is better than refinancing.
If you have questions, we have answers. Email us at lawgitimate@xfirmlaw.com.

High Tech Lending is one of the top 10 reverse mortgage lenders in the country. Founded in 2008, if it headquartered in Irvine, CA. Jim’s branch is located in Phoenix and serves AZ, CA, CO & IL.

Jim Hostler, Author, Educator, Speaker & Reverse Mortgage Specialist. Author of “Reverse Mortgage 360; A New Perspective”. Jim is uniquely qualified with over 25 years of mortgage experience and a passion to help senior home homeowners. He meets his client’s in their home and encourages collaboration with family and other professions. In light of the current environment, Jim is utilizing many other options to communicate with his clients until it is again safe to meet in person.

Jim holds a Master’s degree, and is currently working on his doctoral degree in Metaphysics. During the real estate downturn, Jim worked for one of the top three Diversity Training company’s in the U.S. and facilitated training to company’s such as Caterpillar, Nationwide Insurance, Sara Lee, and the U.S. Forest Service. His degree and training give Jim a unique advantage to listen to, understand, and work with, a wide and diverse group of people.

Serving Arizona, California, Colorado & Illinois.

Connect with Jim on LinkedIn and Facebook.

About Your Hosts

Rochelle Poulton is an attorney and owner of X Firm LLC. Rochelle has been helping people with Credit and Debt issues since 2012, owns several small businesses, and has nearly 20 years of real estate experience.

Rochelle created Lawgitimate to bring in a network of awesome people to raise awareness and educate people about the litany of legal issues she faces everyday at X Firm LLC.

Connect with Rochelle on Linkedin, Facebook and Instagram.

Mike Poulton, with Poulton & Noroian, draws on his knowledge and experience in other fields to serve his clients. As an experienced science researcher, Mike understands technical issues that many other attorneys cannot, and applies that knowledge for his clients’ benefit. His construction management experience also provides him with a broad knowledge base not only in construction law, but also in regulatory compliance, worker safety, and negotiation.

Michael is licensed to practice law in Arizona and is admitted to practice before the U.S. Federal District Courts in Arizona.

Connect with Mike on LinkedIn.

About X Firm PLLC

We help clients improve their financial lives through strategic financial transaction planning. Whether you want to buy a car, a home, or a building, X Firm can help you reach your goals in 3 easy steps.

We are small but mighty and love helping people get back on track financially. Learn more about us at XFirmLaw.com.