The Smart Real Estate Coach Podcast|Real Estate Investing

Dwan Bent-Twyford, America’s Most Sought-After Real Estate Investor™, started as a broke, single mom who had been fired from Denny’s. She now heads up “Investors Edge University” – A company that specializes in training new and seasoned investors in a wide range of real estate investing techniques through live workshops, weekly webinars, a member site, coaching, and seminars. Having flipped over 2,000 deals herself she is more than qualified to share her vast knowledge of real estate investing with America. Dwan is affectionately known as the “Queen of Short Sales”® and is considered to be the Nation’s #1 Expert on Short Sales & Foreclosures. She has written three best sellers, “Short Sale Pre-Foreclosure Investing,”  “How to Sell a House When It’s Worth Less Than the Mortgage,” and her most recent New York Times best seller was written with Steve Forbes, “SuccessOnomics.” She is highly sought after and has been featured on Fox and Friends, MSNBC, Naomi’s Good Morning, Colorado and Company, and many other TV, radio, podcasts, and print media. Dwan also has a top-rated podcast called…The Most Dwanderful Real Estate Podcast Ever! In a market dominated by men, Dwan has certainly made her mark! Her goal never changes – to make a difference in the lives of others! What you’ll learn about in this episode: How a series of unexpected setbacks led Dwan to get started as a real estate rehabber, and how she made $22,000 in her first deal How Dwan recently took on her biggest project ever, renovating 18 buildings in downtown Clinton, Iowa as part of a city beautification project How Dwan went from a broke single mom to doing 75 wholesale deals and around 350 subject-to deals Dwan shares how she negotiates deals, with an example of giving a building owner three different, flexible offers to choose from How Dwan has never needed to foreclose or evict anyone because she makes sure everyone she does deals with completely understands how the deal is structured How Dwan also uses a three payday deal system she calls her “triple profit center”, and how to reach out to Dwan with questions Why getting through your first deal is an important step for lighting a fire and getting passionate about real estate investing Why finding a coach or mentor who has been through tough times and has experience bouncing back is crucial Why Dwan expects accountability from her coaching students, and how their “accountability logs” help Dwan identify where they need to improve How Dwan got started investing in a time when real estate was a “boys’ club,” and how she was able to prove herself by mastering wholesaling Resources: Website: https://dwanderful.com/ Podcast: https://dwanderful.com/podcasts/ LinkedIn: www.linkedin.com/in/dwanbenttwyford/ Facebook: www.facebook.com/Dwanderful/ Facebook: www.facebook.com/InvestorsEdgeUniversity Twitter: @teachrealestate Additional resources: SmartRealEstateCoachPodcast.com/webinar SmartRealEstateCoachPodcast.com/termsbook SmartRealEstateCoachPodcast.com/ebook SmartRealEstateCoach.com/QLS Smart Real Estate Coach Podcast Sponsor: Paul G. Dion CPA, CTC

Karen Briscoe is the creator of the transformative “5 Minute Success” concept. Her books Real Estate Success in 5 Minutes a Day: Secrets of a Top Agent Revealed and Commit to Get Leads: 66 Day Challenge® offer a combination of information and inspiration delivered through memorable stories. The daily format with takeaways propels one to achieve success at a higher level in business and life. Her first book was featured in INMAN as “must read for your best year in real estate” in 2017. Amazon ranks the book in the top 1% in its category. It has been endorsed by industry leaders Hal Elrod, Pat Hiban, and Michael J. Maher. She is a contributing author to INMAN and Real Trends real estate media outlets. Karen is the host of the “5 Minute Success” podcast which has ranked #1 on Overcast most recommended in the business category. The show has an amazing array of guests who achieve success at a high level. Karen also is a frequent guest on other podcasts that focus on entrepreneurial, success and motivation, as well as real estate related topics. She speaks on a national and local level on the “Best of 5 Minute Success.” Further, she has completed the John Maxwell Team Certification Program for Coaching, Speaking, and Training. Karen is the principal owner of the Huckaby Briscoe Conroy Group (HBC) with Keller Williams. The HBC Group has been recognized by the Wall Street Journal as one of the 250 Top Realtor® teams in the United States. Since 1977, HBC Group has sold over 1,500 homes valued at over $1.5 billion. The team consistently sells over 100 residential properties annually ranging from multi-million dollar luxury estates to condominiums and townhomes. Primary markets areas include Northern Virginia, suburban Maryland, and Washington, DC. As a real estate professional, Karen is a member of the Institute of Luxury Home Marketing, FIABCI International Real Estate Federation, and Women’s Council of Realtors®. What you’ll learn about in this episode: How Karen initially got started in real estate, and how she worked hard and gained rapid success and then weathered the 2008 crash by drawing on her experience in the 1980s How Karen’s focus is on rainmaking for her business, and how thought leadership, coaching and writing a book was a side hustle that has become a way to enhance the business How the global pandemic has forced many people to focus on their physical and security needs, and why “flipping the pyramid” to focus on self-actualization can be powerful Why “going where the market is going” is Karen’s top tip for weathering storms and surviving (and then thriving) in difficult times How carefully watching the ration between supply and demand is the strongest indicator of where the market is going Why one of the key mistakes Karen sees people make is focusing too heavily one one thing, such as their business, and forgetting their other priorities like family and health How Karen fell into the trap of becoming “almost addicted” to receiving accolades for her immense success, and how breaking out of that mindset made her even more productive How bringing alignment between her work and other areas of her life helped make Karen happier and had a ripple effect in her relationships with others Why real estate investors should be investing in themselves first, and what books Karen recommends you read How Karen’s “5 Minute Success” concept came about as a response to people who said they didn’t have time to make meaningful change Additional resources: Karen Briscoe’s Amazon Author Page: https://amzn.to/2T3mCli Website: www.5MinuteSuccess.com LinkedIn: www.linkedin.com/in/karenbriscoe/ Facebook: www.facebook.com/5MinuteSuccess/ Twitter: @5MinuteSuccess Additional resources: SmartRealEstateCoachPodcast.com/webinar SmartRealEstateCoachPodcast.com/termsbook SmartRealEstateCoachPodcast.com/ebook SmartRealEstateCoach.com/QLS Smart Real Estate Coach Podcast Sponsor: Paul G. Dion CPA, CTC

Bob Lachance has been an active business owner and real estate investor since 2004. Bob is an entrepreneur by nature and currently owns, operates, and manages many different businesses around the world. Bob helped create one of the top Real Estate Coaching and Mentor programs today and created one of the premiere Virtual Assistants Staffing companies, REVA Global LLC. Bob is an expert in the real estate investing space and has an incredible reputation for creation, implementation, and execution. Bob is a sought-after mentor and industry expert, lending his voice to countless real estate investors, startups, and entrepreneurs looking to take their businesses to the next level. Prior to getting into the business sector, Bob had a successful 8-year professional ice hockey career, which allowed him the privilege of traveling and living all over the United States and Europe. Bob was also a member of the 1995 National Championship Boston University Ice Hockey Team. What you’ll learn about in this episode: How Bob’s experience as a professional hockey player taught him early in his career the importance of having a coach How Bob made his way into real estate investing after retiring from his career as a hockey player How Bob’s local REI group played an integral role in getting him started as an investor, and how he recognized that many investors struggle with a lack of time How Bob got involved in the virtual assistant business, and how his virtual assistants can help investors make the most of their limited time How Bob and his team carefully vet and train their virtual assistants to ensure that they have the skills and tools they need to succeed Why following the next shiny object in real estate will never take you as far as picking a niche and sticking to it until you master it How Bob finds a way to balance between his time working on his two companies and his time with his family How to get in touch with REVA and find out more information about their virtual assistant services What key daily habits and morning rituals Bob follows to ensure that he’s starting each day off at his best Why effectively marketing yourself is crucial for any business, whether in the real estate space or elsewhere Resources: Website: www.SmartRealEstateCoach.com/reva Website: https://revaglobal.com/ Email: bob@revaglobal.com LinkedIn: www.linkedin.com/in/boblachance/ LinkedIn: www.linkedin.com/company/reva-global-llc/ Facebook: www.facebook.com/trainedvirtualassistants/ Additional resources: Website: SmartRealEstateCoach.com/QLS Website: www.SmartRealEstateCoachPodcast.com/ebook Website: www.SmartRealEstateCoachPodcast.com/webinar Website: www.SmartRealEstateCoachPodcast.com/termsbook Smart Real Estate Coach Podcast Sponsor: Paul G. Dion CPA, CTC

Chris is the best-selling author of Real Estate on Your Terms: Create Continuous Cash Flow Now, Without Using Your Cash or Credit. He’s also the founder of SmartRealEstateCoach.com and the Smart Real Estate Coach Podcast. Chris has been in real estate for over 25 years. His experience includes the construction of over 100 single-family and duplex homes (mostly in the 1990s and selectively to date), has owned a Realty Executives Franchise (Massachusetts 1994-2000) as broker/owner which maintained high per-agent standards and eventually sold to Coldwell Banker in 2000. The 2000s included coaching ½ million and higher REALTORs® in order to scale & automate their business throughout the US and Canada. He also participated (and still does selectively) in doing condo conversions (multi-family homes to condos) and “raise the roof” projects (converting single-family ranches to colonials in growth neighborhoods). Chris has been a big advocate of constant education and participates regularly in high-end mastermind groups, as well as consults with private mentors. He runs his own buying and selling businesses with his family team, which buys 2-5 properties monthly, so they’re in the trenches every single week. They also help clients do the same thing around the country. Chris and his family team have done over 80 million in real estate transactions. They mentor, coach, consult, and actually partner with students around the country (by application only) to do exactly what they do. What you’ll learn about in this episode: Why clarity was the secret ingredient that helped Chris get everything going again after the 2008 real estate crash Why taking responsibility and ownership of your mistakes and challenges can help you break through them, learn from them, and achieve new levels of success How, in 1994, Chris faced a huge challenge when his business was pushed into involuntary bankruptcy, and how things got so bad that he kept a gun in his desk for safety Why who you spend time with determines everything about your life, and why going into 2021 with the right community is crucial Why everyone faces challenging events in their lives and why it is important to remember that these events don’t define you and that you can make it through What five points comprise the secret formula for 100% guaranteed success in what you do, and why each point matters Why it is important to evaluate your future based on what you’re doing now, and why you should adjust your current actions to prepare to get to the future you want Why your physical health is an important component of your overall happiness and success, and why getting serious and committed to your growth matters How Chris overcame his challenges by scraping the money together to hire a coach, developing a morning routine using the GEMBA method, and choosing wisely who to speak with Why the terms business is by far the best real estate niche to be in, especially during the pandemic and the current market Resources: Rock Thomas’s Coaching: www.SmartRealEstateCoach.com/rockthomas Dr. Amanda Barrientez’s Coaching: www.SmartRealEstateCoach.com/nfa Heather Robertson’s 12 Week Program YouTube: https://www.youtube.com/channel/UCOpsZxrmeDARilha1uq4slA Additional resources: SmartRealEstateCoachPodcast.com/webinar SmartRealEstateCoachPodcast.com/termsbook SmartRealEstateCoachPodcast.com/ebook SmartRealEstateCoach.com/QLS Smart Real Estate Coach Podcast Sponsor: Paul G. Dion CPA, CTC  

Adam Carroll is a sought after speaker, author, and seminar leader in the areas of personal development and personal finance. Adam’s TED talk at the London Business School has been viewed over 5 million times! As many people do, Adam had several positions in his young professional life that helped to shape the professional he is today. He discovered a passion for selling and marketing, became a seasoned small business coach, learned to love financial literacy, became engrossed in teaching financial literacy, and decided to put all of those skills to use by building his seminar company AND creating the first socially-responsible mortgage company. Adam is passionate about making sure people are making the most of the money they make. That includes teaching individuals (and groups) how to massively change their financial pictures for the better, sharing his love of meeting people and networking with everyone, and creating a team of people who all share the same goals and principles to build a lasting mega-successful conglomerate of companies. What you’ll learn about in this episode: How a $10,000 real-money game of Monopoly with his kids became the foundation for Adam’s When Money Isn’t Real TEDx talk, which now has over 5 million views on YouTube How the way Adam’s kids treated their money when they went from Monopoly money to real, tangible cash changed, and what this teaches us about our relationship to money How to take advantage of Adam’s free Scholarship Mastery course, which teaches students and their families how to find scholarship money for college, regardless of age How Adam strategically used important early lessons to teach his kids at a young age the value of building up savings and investing money How Adam started and built up the first “socially responsible mortgage company” in Des Moines after noting the unscrupulous methods others in the industry were using Why it is crucial to increase the amount of equity and liquidity you have in a property within the first few years of the purchase How a home equity line of credit creates the ideal vehicle for turning a one-way mortgage into a two-way source of liquidity How Adam’s methods can save home owners tens of thousands of dollars due to advancing the amortization table more quickly How American mortgages dramatically differ from the typical mortgage in Australia, and why it is important to always question if there’s a better way to manage your money Resources: When Money Isn’t Real TEDx talk by Adam Carroll: https://www.youtube.com/watch?v=_VB39Jo8mAQ Website: www.SmartRealEstateCoach.com/adamcarroll Website: www.masteryofmoney.com Website: www.adamcarroll.info Website: https://renzoexperience.com/ LinkedIn: www.linkedin.com/company/renzoexperience/ LinkedIn: www.linkedin.com/in/adamcarrollspeaks/ Facebook: www.facebook.com/AdamSpeaks/ Facebook: www.facebook.com/renzoexperience/ Twitter: @AdamCarroll Additional resources: SmartRealEstateCoachPodcast.com/webinar SmartRealEstateCoachPodcast.com/termsbook SmartRealEstateCoachPodcast.com/ebook SmartRealEstateCoach.com/QLS Smart Real Estate Coach Podcast Sponsor: Paul G. Dion CPA, CTC  

Sterling White is a multifamily investor specializing in value-add apartments in Indianapolis and other Midwestern markets. With just over a decade of experience in the real estate industry, Sterling was involved with the management of over $10MM in capital, which is deployed across a $18.9MM real estate portfolio made up of multifamily apartments. Through the company he founded Sonder Investment Group, he owns just under 400 units. Sterling was featured on the BiggerPockets Podcast and has been a top contributor since 2014, with over 200 posts on topics ranging from single family investing and apartment investing to wholesaling and scaling a business online. What you’ll learn about in this episode: How Sterling rose up from an impoverished childhood to become a real estate investor at the young age of 23 without using his own money How working for his first mentor for free laid the groundwork for Sterling’s success, and how his first deal set the stage for his success Sterling explains his niche of “value-add apartments” within the Indianapolis, Indiana geographic area and shares how he finds “off market” deals How Sterling’s Sonder Investment Group is structured, and how each of the deals Sterling does is syndicated individually How listening to podcasts, attending seminars, and studying under mentors and coaches helped refine Sterling’s system over time Why Sterling considers his biggest win to be the first deal he completed, and what lessons and growth he experienced due to the obstacles he faced in his career Why being clear on the numbers behind the deal and making careful, risk-averse decisions has been an important component of Sterling’s success How Sterling has shifted his model to adjust to the realities of the global pandemic, and why he looks for deals that require less “heavy lifting” Why Sterling had to rewire his frame of thinking to overcome limiting beliefs he developed in childhood How a key experience in college reshaped Sterling’s outlook and helped him break through his limiting beliefs to pursue success and excellence Resources: Website: www.sterlingwhiteofficial.com LinkedIn: www.linkedin.com/in/sterling-white-b8840763/ Facebook: www.facebook.com/sterlingwhitefan/ Instagram: www.instagram.com/sterlingwhiteofficial/ Youtube: www.youtube.com/channel/UC6kW76I0YILfHpgP9XS3t-g The Real Estate Experience podcast: https://realestate-sterlingwhite.libsyn.com/ Sterling White’s Recommended Reading List: Multi-Family Millions by David Lindahl: https://amzn.to/36gk8Ys Shoe Dog by Phil Knight: https://amzn.to/3kUSjZO Lead the Field by Earl Nightingale: https://amzn.to/2HHNxRa Additional resources: Website: SmartRealEstateCoach.com/traction Website: www.SmartRealEstateCoachPodcast.com/ebook Website: www.SmartRealEstateCoachPodcast.com/webinar Website: www.SmartRealEstateCoachPodcast.com/termsbook Smart Real Estate Coach Podcast Sponsor: Paul G. Dion CPA, CTC

Cody Loughlin is the ultimate serial entrepreneur. He began learning finance at age 18, was a millionaire by age 27, but then went bankrupt and had to rebuild at age 28. Cody retired at 39 to pursue his passion for teaching financial literacy, successful mindset and entrepreneurship that schools refuse to teach. Cody’s companies have reached over $200 million in sales, and Cody has landed on the INC 5000 list of fastest growing companies in America twice. Between opening 13 different companies and counting, Cody serves as the Vice President of a commercial bank and has financed over $100 million in loans during that time. Realizing the lack of financial education in our school systems, Cody has set out to change the financial trajectory of today’s youth, by giving tools to parents to help them deepen their relationships with their children while equipping them with the information they need to be financially free. What you’ll learn about in this episode: How Cody had planned on being a marine biologist until a lesson in compound interest sparked Cody’s passion for financial education How Cody started his first company and began growing his empire, and how he achieved his goal of becoming a millionaire by the time he was 30… until he lost everything How Cody reinvented himself through going into personal finance and banking, and what critical lessons Cody learned during his journey Why everyone wants success and financial independence in life but too few people are willing to take action to achieve it, and why making no decision is worse than a bad one Why the speed of your success comes from whose advice you choose to accept, and why the wisdom of people who have experienced and recovered from failure is invaluable Why Cody chose to begin sharing his story in an effort to help others, and how telling the story of his struggles had a therapeutic effect for Cody Why there is an extraordinary lack of financial and entrepreneurial education for kids, and how Cody is working to change that through his work with The Money Talkers Why it is important for parents to teach their kids about finances to prepare them for adulthood, and how Cody’s podcast can help start the conversation How Robert T. Kiyosaki’s book “Rich Dad Poor Dad” has made a repeated impact on Cody and his views on money, throughout his life Resources: Website: https://themoneytalkers.com/optin33124205 LinkedIn: www.linkedin.com/in/codyloughlin/ Facebook: www.facebook.com/groups/MoneyTalkers Twitter: @LoughlinCody @TalkersMoney Resources: SmartRealEstateCoachPodcast.com/webinar SmartRealEstateCoachPodcast.com/termsbook SmartRealEstateCoachPodcast.com/ebook SmartRealEstateCoach.com/QLS Smart Real Estate Coach Podcast Sponsor: Paul G. Dion CPA, CTC

Lara Markel has been in the real estate field for 15+ years. Beginning her career as a residential REALTOR®, she specialized in helping first time buyers to achieve their dream of homeownership by using down payment assistance programs and creative financing. She won many awards, including Rookie of the Year and Top Producing Team. An opportunity led her to commercial real estate where she worked as a private capital multifamily sales specialist helping in the acquisition and dispositions of apartment buildings. She had success across diverse types of multifamily properties. Transactions ranged from 6-unit beach properties to large, 100+ unit affordable housing developments requiring complex deal structuring and financing. During that time, she worked for several top commercial real estate brokerages and was a cofounder and partner of a boutique multifamily sales brokerage company. Going back to her roots in residential real estate, Lara now invests in single family homes using lease purchases and owner financing. She is passionate about solving problems and creating win-win situations for both Buyers and Sellers. By combining honesty and integrity with creativity, she seeks to structure transactions that provide sellers with the best possible outcome and works closely alongside buyers to give them the time and resources they need to qualify for financing. What you’ll learn about in this episode: How Lara initially got started in real estate shortly after college, and how she discovered the significant profitability of multifamily deals How Lara and her family relocated to Tennessee and Lara connected with the Smart Real Estate Coach team and Chris Prefontaine Why Lara chose to go into single family despite her past experience in multifamily, and how she has found a new degree of success How Lara is able to find constant support at all levels within the Wicked Smart Community and from Chris and his family team What thought process Lara experienced prior to joining the Wicked Smart Community that helped her decide to jump in with both feet and commit Why Lara has set the goal to do around twelve deals per year, and how she navigates work and family life What steps Lara takes to find balance between her occupation and her home life, and how she explains what she does to her five year-old daughter What advice Lara has for anyone who is feeling stuck, afraid, or looking to make a major life or career transition Why Lara is committed to her real estate investing and doesn’t see it as a get-rich-quick scheme, and why she believes the hard work is worthwhile Resources: Website: http://investinginppl.com/ LinkedIn: www.linkedin.com/in/lara-markel-0981794/ Facebook: www.facebook.com/InvestinginPPL Resources: SmartRealEstateCoachPodcast.com/webinar SmartRealEstateCoachPodcast.com/termsbook SmartRealEstateCoachPodcast.com/ebook SmartRealEstateCoach.com/QLS Smart Real Estate Coach Podcast Sponsor: Paul G. Dion CPA, CTC

Rock Thomas is the World’s #1 Whole-Life-Success Expert, bestselling author, and host of the #IAmMovement Podcast. From farm boy to real estate and business guru, mentor and self-made millionaire, Rock has studied one-on-one with the world’s best teachers — Tony Robbins, Jack Canfield, Wayne Dyer, Robert Herjavec and more — on his mission to inspire others to create their best life, on their terms. His Goalcast video alone was viewed by over 100 million people. Using tools and strategies that are proven, Rock now teaches people how to create financial freedom by leveraging their purpose and passions to live not just a successful life, but a fulfilled one. Founder of the #IAmMovement, he is known as the man who redefines lives. What you’ll learn about in this episode: How Rock’s work ethic growing up on a farm in Canada helped him power through early challenges when he got into real estate, and what key lessons he learned from mentors How Rock helps people address, deal with, and break through their limiting beliefs, and why being self-confident and excited by your life and work is vital Why success in any aspect of your life requires hard work, tenacity, commitment, dedication and caring Why working out and eating right can improve your energy, and why having more energy than the people around you is a secret to success Why many people struggle to find and understand their purpose and feel truly powered up by all aspects of their lives Why helping and serving others is the best way to break out of your own depression or challenges, and why it is important to spend 30 minutes a day on personal development Why having a focus is important to pull you away from the negativity that can be found everywhere in the world today How Rock’s M1 mastermind group is designed to support, encourage and challenge participants What common, shared traits Rock has recognized in successful people related to their sense of urgency and decision-making Why surrounding yourself with the right peers and mentors who can see your greatness can help you break through your own limiting beliefs Resources: Website: www.SmartRealEstateCoach.com/rockthomas Website: https://rockthomas.com Website: www.gom1.com Rock Thomas’s #IAmMovement Podcast: https://rockthomas.com/podcast/ LinkedIn: www.linkedin.com/in/rockthomas/ Facebook: www.facebook.com/RockThomasOfficial/ Twitter: @rockthomas Instagram: @rockthomas Additional resources: Website: SmartRealEstateCoach.com/traction Website: www.SmartRealEstateCoachPodcast.com/webinar Website: www.SmartRealEstateCoachPodcast.com/termsbook Smart Real Estate Coach Podcast Sponsor: Paul G. Dion CPA, CTC

David Ritcher is on a mission to help stressed entrepreneurs who are frustrated with not knowing their numbers and not making a profit. David cleans up their books, interprets their numbers for them, and implements a system that will increase and prioritize their profits–this leads to being less stressed, confident in their numbers, and the ability to make the profit they need to accomplish their vision. He has been in the real estate investing world specifically for the last six years. He has served on the leadership team of real estate investing companies doing over 300 deals a year between wholesaling, fixing and flipping, lease optioning, and turnkeying properties. He has sat in all the real estate investing seats from acquisitions, dispositions, property management, project management, transaction coordination, accounting, etc. He speaks real estate investors fluently, has no debt in his business or his personal life, and practices all the principles and actions he teaches. For him to continue to consistently grow and help others, he read over 50 books a year. What you’ll learn about in this episode: How David got his start in the real estate business How Simple CFO Solutions is changing the lives of entrepreneurs in the real estate industry What Simple CFO Solutions is doing to help investors know and grow their cash flow Why your mindset about your numbers is one of the biggest obstacles to your success in real estate The regimen that keeps David’s personal life aligned with his vision for success How mentorship has played a key role in David’s ability to flourish in his real estate career Resources: David’s book in audio format and ebook format–email: lessstressmoreprofit@gmail.com Apply for services: https://simplecfosolutions.com/apply/ https://simplecfosolutions.com/recession-proof-business/ https://simplecfosolutions.com/services/ Website: simplecfosolutions.com LinkedIn: https://www.linkedin.com/in/david-simple-cfo/ Facebook: https://www.facebook.com/thesimplecfo/ Resources: LIVE Event September 16-18, 2020: www.qlslive.com SmartRealEstateCoachPodcast.com/webinar SmartRealEstateCoachPodcast.com/termsbook SmartRealEstateCoachPodcast.com/ebook SmartRealEstateCoach.com/QLS Smart Real Estate Coach Podcast Sponsor: Paul G. Dion CPA, CTC