Strategy Meets Finance

Want to grow your business? Download your free roadmap today: coltivar.com/growth Cactus is a risk-taking leader focused on fixed income automation. He is the author of the B2B data analytics book "Price: Maximizing Customer Loyalty Through Personalized Pricing." Currently, Cactus is co-managing an automated bond market making business at Exos after founding, and funding a FinTech startup, Elefant. Cactus has more than 35 years of experience in sales, of which 22 years are in fixed income for companies like Goldman Sachs. He has a graduate degree in business analytics from NYU, and lives with his family in Salt Lake City, Utah._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth Accounting is not just a function of debits and credits. In fact, many business owners and leaders underutilize the value that is trapped within their organization’s financial statements. There is a story behind the numbers and that story has the power to change the trajectory of a company and unlock growth and hidden pockets of profitability. In this episode I talk with Tevia Hoalst, the Founder of TeKoda Accounting, about best practices for setting up a general ledger, accounting system, and financial reporting to help leaders focus on the most essential, value creating activities of their business._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth Building a business takes an incredible amount of time, sacrifice, and hard work. During all of this, most people fail to take the crucial steps in preparing to pass along their legacy in a manner that aligns with their values. Estate planning is an important step in ensuring that your loved ones are taken care of after you pass away. It allows you to make decisions about how your assets, such as money and property, will be distributed. Estate planning also ensures that your wishes are followed if you become incapacitated. A well thought out approach may reduce the tax burden for your beneficiaries and provide for the orderly transfer of assets. Join me for this important episode where I talk with Sandy Pollack, the Founder of Trimaran Advisory Group and author of her latest book “Don’t Leave a Mess!”, about what it means to make wise choices regarding your legacy that will one day be passed along to your family._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth This week, Steve spoke with Travis Hendrick, the Director of Finance for Goodfellow Bros., Inc. Travis understands the power of combining the numbers side of the business with operations. He is passionate about strategic financial leadership as a lever to drive greater value within organizations. Travis has spent the last two decades in the construction industry, with a primary focus in financial management and analysis, but also spent a number of years on the operations side of the business. He holds a BS in Finance from Montana State University. Travis’ enthusiasm and passion for strategic thinking and transformation is contagious._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth One of the top things that most people worry about is money.  However, instead of taking control of their finances and managing monthly inflows and outflows through a budget, most individuals don’t do anything and instead live in a state of financial anxiety and fear.  In fact, out of those who have created a personal budget, only 9 percent follow it.  Oftentimes the word “budget” carries with it a negative connotation, but it doesn’t have to be this way.  Budgets can empower, liberate, and help you live the life you truly deserve—if they are done right. In this episode, I talk with Alicia Gelinas, President and Chief Executive Officer of the Colorado Society of CPAs, about a new approach to budgeting that aligns your personal values with your money. Join us to learn how you can get started today with creating a budget that puts your money where your heart is._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth Those leaders who understand the importance of clear, concise, and repetitive communication and then act upon it are those who drive meaningful impact. Hunter Creech embodies this as the Chief Financial Officer of Barrett Industries, a Colas company, that is a leader in providing innovative infrastructure throughout the United States. Its main business segments include roads, materials, and pavement preservation. In this episode, Hunter discusses the acronym SICOS (spelled S - for stewardship, I - for insight, C - for catalyst for change, O - for operations, and S - for strategic business partner) and what this means for his team and organization. To Hunter, this term is not just a catchphrase, but rather a mindset, a commitment to excellence, and something to act upon. It embodies the very essence of strategic financial leadership.Hunter is not only the CFO of this large, noteworthy organization, he is also a strategic leader that understands the importance of building high-performing teams and empowering them through upskilling and business insights. He is holistic in his leadership approach and is as comfortable on the construction site as he is in the board room. Hunter graduated from the College of William & Mary in Virginia and is a Certified Public Accountant. He has been married to Tracy Creech for 29 years and has two daughters, Kelsey and Haley._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth Buying life insurance protects our loved ones from the potentially devastating financial losses that could occur if something happens to us. This ease of stress for those who are left behind is just one of the many benefits of life insurance. However, did you know there are investment and tax benefits to life insurance that many are unaware of? In this episode, I talk with Robert Cohen of New York Life about the different types of plans—whole and variable life, when each is most appropriate, and how much coverage should be considered. We also talk about the most important things to evaluate before buying life insurance and how it can be used as another asset class in one’s investment portfolio. Life insurance policies are typically cheaper the sooner you lock them in, so tune in today to learn about this important financial concept that can help you grow your money while providing the peace of mind for those most dear to you._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growthInflation, a rise in the prices of goods and services across the economy over time, erodes purchasing power for both consumers and businesses.  This means that your dollar (or whatever currency you use for purchasing) will buy less today than it did the day before. Annual inflation typically hovers around two percent in a healthy economy, but over the last 12 months in the U.S., it has climbed to over seven percent. For individuals sitting on the sidelines in cash, this inflationary trend has silently eroded the value of their money. Those who live on a fixed income have witnessed their dollars buying less at the store. Businesses that struggle to raise their prices are seeing their margins squeezed as direct materials and wages increase.  To combat such damaging effects, we must be proactive in times of inflation and pursue strategies that will preserve the value of our assets while allowing us to take advantage of the positive effects of this economic trend. Join me for this episode where I talk with Rush Imhotep from Northwestern Mutual about inflation protection strategies and what you can do to protect yourself and/or your business.Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth Have you ever felt stuck? Do you feel like you are achieving the financial results that you deserve? In this special episode, lucky number 33, I will share with you my personal journey and how the struggles I faced equipped me with greater empathy and empowered me to act with resolve. _______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth When it comes to investing in real estate, you don’t always have to buy the building or land directly to be considered an investor. In fact, diversifying your portfolio in this asset class may start with buying stocks of REITs or other real estate investment companies. In this episode I talk with my brother Nate Coughran, EVP of Finance at Capital Square, about ways to make money in real estate. We dive into cap rates, using real estate as a hedge, market timing, and strategies to maximize returns while reducing risks. Join us to discover the pros and cons of real estate investing and how you can get started today.  Visit www.byfiq.com for more episodes and resources to empower your financial life._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com