WEBVTT
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You're ready before you think you are.
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Due diligence is important, right?
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But the having a conversation with someone like me, financial planner, or taking the leap for entrepreneurship, you're often more ready than you think you are.
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But I cannot emphasize enough the value of a good plan in advance and getting clarity ahead of time to provide a level of confidence.
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But the biggest challenge is wanting to be in two places at once all the time.
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I love my work and I love my children.
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And so how do you do that?
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I am very intentional again about how I structure my calendar and I give 100% and I'm committed to the work when I'm at work.
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I also need to then protect when I'm with my family.
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I'm 100% committed to them and they understand.
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Welcome to Begin Build Blossom, your business journey, the podcast where we share valuable insights, resources, and motivation to fuel your entrepreneurial spirit.
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Let's build a supportive community together.
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Don't forget to subscribe or follow wherever you listen to podcasts and be part of this journey.
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Let's pause for a moment to hear from our sponsors.
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You've built a name for yourself through hard work and dedication.
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Are you dealing with unmanaged finances?
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Alright, let's jump back into our conversation.
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Good day and welcome to our podcast Begin Bill Plossom, your business journey.
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Today's guest is Christine Limotti.
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She is a finance professional and entrepreneur with over 15 years of combined experience in entrepreneurship, cash flow management, business strategy and operations, and financial forecasting.
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Her work is centered on serving individuals, families, and business owners, helping them elevate financial health, build multi-generational wealth, and focus on asset preservation, stewardship, and meaningful sustainable investing.
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She is also a wife and mother of four, with children ranging in age from 3 to 13, and her family values are rooted in faith, family, and stewardship.
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Beyond her professional work, she is a marathon runner, a bar and Pilates instructor, and a mental health advocate.
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She enjoys a good read, a true crime podcast, and spending time over food and drinks with her tribe.
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She believes in sticking good or creating it, and also in flexing our limitless capabilities.
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Thank you, Christine.
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How are you doing?
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I'm doing so well, thank you.
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Thank you so much for having me.
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Yes, and thanks for joining us.
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And we met through a networking group, and um I like to mention that just because uh I feel like networking is just so very important, and I'm glad that we were able to meet.
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Yes, I'm uh I'm in agreement.
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Sometimes it's a lot of intentionality about finding the right networking group and just fostering those authentic, continued discussions.
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Yes, for sure.
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So let's get started.
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We always like to ask our guests two words one that describe themselves now and one that they would use to describe themselves as a child.
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Oh, one word.
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That's a great question.
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I'll start with recently did my goal setting vision statement uh for this year, and my word of this year was intentionality, intentionality around time.
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Time is the one equalizing resource that we have, and I'm a huge proponent and advocate for spending your time in alignment with what your value systems are, and so this is the year that I'm doing an audit on my actions and ensuring that my time is well spent.
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Value systems for me are going to be my family, my faith, my work, community.
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And so ensuring that how I spend my time is in alignment with that.
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And sometimes it's tough to hold yourself accountable to that.
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Going back to the childhood, oh goodness, I think I think that any childhood has its challenges, but it certainly fosters a sense of family and closeness with my siblings and my family, which I'm forever grateful for, and we have carried into our adult years as now we raise our own children and cousins.
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Awesome.
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Thanks for sharing that.
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And what's one childhood memory you'd say that really brings a smile to your face?
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I think one is Friday evenings were often spent playing board games and just a lot of fun around movies and things with my siblings.
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I have three younger brothers, and we certainly grew up very close, and so I loved that.
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As I aged, I do remember this was a teaching moment.
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I am very fortunate to have been raised by a very strong, wise mother.
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And I remember in my youth feeling a sense of missing out, and it was a remarkable conversation that again, as we think about raising our next generation of children, is like, how do we do this a little differently and a little bit better?
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But she taught me that oftentimes if you feel like you're not being a part of the conversations or the rooms that you want to be, find ways to like what would it mean to say yes instead of leaving with the concern or the fear or the angst.
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And so I have taught, I've carried that life lesson with me throughout leaning into what would it look like if we said yes?
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And then let's back into that from there, and ultimately being able to be very intentional and thoughtful about the rooms that we put ourselves in and the influences we surround ourselves with.
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I love that.
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Thank you so much for sharing that.
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And going into the business a little bit, what's one of the highest highs or one of the best moments you'd say that you've had in business so far?
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Yeah, so many.
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I will say my work in holistic planning, I would be remiss not to acknowledge a trust and faith that individuals and families and business owners they place in myself and our team.
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We've been very intentional about the team that we've we've built.
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The greatest memory is truly, and I can't speak to specifics because I want to protect privacy, but certainly it's when I get to meet individuals in a way that I meet their family, as I meet their children, I get to see them in their homes.
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I just find such value and I'm so grateful for the opportunity to meet people in a very intimate way, and I don't take it for granted.
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And I've had a few recent moments where I've gotten to meet people in their homes and meeting their children, and you know, in a way that it goes so far beyond just private wealth advisory.
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It's again aligning capital in alignment with value systems.
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Great.
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And if you could think of one not so good moment if we're just looking at the opposites of that, maybe one of the challenges.
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Certainly, I think that I work a dream profession.
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I love my work.
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I also find that I feel so enriched.
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I recently read an article all around the psychology and human behavior, around how we audit our actions and spend our time.
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And I'm very specific.
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My calendar is very parceled out.
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So like I have my reading time and my deep thinking time, I have my exercise, I'm up early, I have work.
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And so the biggest challenge for me truly is turning it off because I actually really enjoy my work and I love my family.
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And there's nothing more important to me than my family.
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And so, could I see myself if I was, we have cats about the cat lady that lived independently.
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I would be working all the time because I truly do love my work.
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And it probably is not right healthy in that side either.
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But the biggest challenge is wanting to be in two places at once all the time.
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I love my work and I love my children.
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And so, how do you do that?
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I am very intentional again about how I structure my calendar and I give a hundred percent and I'm committed to the work when I'm at work.
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I also need to then protect when I'm with my family.
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I'm 100% committed to them and they understand.
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Thanks for sharing that.
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And even personally, for me, it's one of my greatest challenges because I'm I'm relatively new in business.
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So figuring out how to balance has really been a challenge.
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I like how you shared that um being intentional with your calendar.
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And it sounds like everything that needs to be done is on that calendar, so you make time for everything.
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And you also mentioned that you focus on that when you're doing it, and then that means each, whether it's a family or work, it gets the time that it deserves.
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So I'm happy to hear that.
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Thank you for sharing that.
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Sure.
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All right, and is there one book or movie that you would recommend?
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Right now, I've read this book before, but I'm actually rereading it.
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Is the uh Red Brown, The Dare to Lead book.
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I actually think I have it on my desk.
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I am doing some depth of work when it comes to just leading teams and uh building and and building a team that rides for you and with you.
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And so I'm revisiting that work.
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So it's probably gonna be the one that I is just top of mind for right now.
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I'm a big proponent for for reading, I don't do enough of it, and I need to allocate more time.
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But again, it's like you know, the one equalizing resource we all have is 24 hours.
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And so, how do you block that to where you're optimized, but also not where you're kind of making yourself nutty by being so rigid and inflexible.
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My kids have taught me that a level of flexibility.
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Yes, they do teach us a lot, especially about around flexibility.
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Um so, in terms of the business, now would be a good time to tell us the name of your business and what you do in business.
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Sure.
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So I'm a private wealth advisor for the Atrium Financial Group.
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We are based in New York, uh, multiple, multiple offices in cities, and we service families and individuals and businesses around the country, and we service people around the globe.
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We do holistic financial planning, so there's a component that's that's private wealth advisory, and also the planning work, the tax intelligence work, the estate and wealth stewardship work, it is a very holistic viewpoint and how we support and service the the clients and the families that we do.
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Okay.
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And can you tell us a little bit about your journey um into entrepreneurship?
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How did that start for you?
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So I grew up in a household where we didn't talk finances a lot, and so that had to be self-taught.
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I was independent the moment that I kind of flew the coup, went to college.
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And so a lot of bumps along the way, a lot of self-teaching along the way.
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I enjoy learning.
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Continue ed is something that's incredibly important to me.
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And while while going through a program, and I I come from an academic and entrepreneurial background, so I started my career thinking I was gonna go tenure track faculty, and life comes at us fast.
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And so, in the midst of my program, my youngest brother was diagnosed paranoid schizophrenic.
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I'm a partial caretaker, and so roots really needed to be home.
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This idea of tenure track faculty and relocation kind of it there was a pin in it for now.
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And so, in the meantime, my husband and I started building our businesses.
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So, in hospitality, in fitness and franchising, and on exit of a three-unit franchise, I was planning to take a beat.
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It was a profitable exit.
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We had done it fairly well and positioned it.
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And I had a female inside of my network tap me on the shoulder and basically, I know you're not looking, we're not looking to hire, but I want you to meet my team.
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And so I got the opportunity to meet the partners and the team at at Atrium, and I've never looked back.
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That's where I'll age out, I intend.
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And it's because of the way that we do planning and the level of integrity and continued ed, our missions are very clear, and the the level of work that we do is is pretty strong and intensive, which is exactly I'm a I'm a glutton for punishment.
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I remember interviewing and saying, if I could get a job that just pays me to learn, I mean, I just and make impact.
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That's what I've discovered and that's what we do.
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Okay, thanks so much for sharing that.
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And you mentioned um I've been hearing about team, not just in what you're doing now, but even before when it sounds like you had other businesses.
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And um, so can you tell us a little bit more about uh building a team in your experience and how important that is?
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So important, and I will tell you, it's developed for me over time.
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It's such an interesting conversation.
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I'm sure that we can all share like a leader that's been really like a mentor that really was helping and driving conviction, confidence, growth, whatever you are looking to accomplish, and then also leaders that have a strong desire to lead, but maybe don't execute as strong.
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And so I look back at my leadership style across the decades that I've been doing, either work in academia or in finance.
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I have certainly improved, which is good, right?
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I, you know, I look back and I think that a couple of things that have stuck with me that that I'm really refining and pouring into currently, one, honesty is kindness, right?
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Individuals want to lean in to a leader that they know is honest, operates with integrity, and it's challenged with a level of respect, professionalism, and kindness, right?
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So to move us all forward in the right direction.
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I think the other thing that's really important to me, and I've been fortunate to my direct mentor in this work.
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I remember had a very poignant conversation with me.
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I know what you're capable of.
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I want you to tell me how, what you want to reach for.
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I will help you build that.
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Well, backhand engineer into that.
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I'll tell you what it's gonna take to get there.
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Is that what you want?
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Right?
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I will push you, elevate you, support you, provide resources for you to the level that you desire.
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But I need you to tell me what that is.
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And so it was a really poignant time because it was lining up with someone who sees more in me than I even see in myself, but also pushes me beyond what I even think I'm capable of.
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Right.
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Like I come from an uh, I was an athlete in college, and so I always have desired like how far can I push?
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What is the physical nature of how far I can push?
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I'm a marathon runner now as an adult.
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Like, how far can I physically go?
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I do that in my work too, but sometimes you need someone who can see above the weeds for you.
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I do that for my clients every single day.
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So as a leader, my work in this year is really just a pour in, and really there's an art and science leading teams.
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I want to really build a team, simply put, right?
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Build a practice, build a team where we ride for one another.
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They ride for me, they ride with me, they run hard, they run fast with clear focus and alignment in our firm's mission.
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Pursuit of excellence, continued education, family first firm, do the right thing.
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I mean, all the things that you would presume, but we're very clear in our mission and we live it every single day.
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Great.
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Thank you so much for sharing that.
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And I heard elevate in there, and I'm thinking about business owners right now, who probably not where they would like to be, but um, having somebody like you mentioned earlier, some sometimes there are people who see beyond for you.
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So can you just tell me a little bit about how you serve business owners?
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We um basically, if there is a business owner right now who has that goal of investment in just building wealth, but they're not quite there yet.
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They're probably starting.
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What would be one of the financial habits or decisions you would say that they should focus on right now to help them get to where they're trying to get to?
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Building and curating a trusted advisory team.
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So you got your teams that help you do your day-to-day.
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That's the in-the-weeds stuff.
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I think for business owners that desire to elevate and grow, you need to find time, dedicated time, or assign individuals like you above the weeds.
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Like there's there's below-the-line tactics, and then there's above the line strategy.
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You need both.
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But it's really difficult for a business owner to be in both fields at the same time.
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And it's just business owners are doing all things all at once, right?
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So dedicated team is tax, right?
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That's your sphere, bookkeeping, financials, right?
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Financial planning, advisory, really important, duplication of benefits.
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I also think legal, depending upon your industry, right?
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What type and to the extent to which you need legal is really going to be dependent upon what ecosystem and sector you're involved in.
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But you need a trusted team.
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I think it's so interesting.
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I work with a lot of business owners who pour in 100% into their business, and yet they don't pour in 100% into their personal financial well-being.
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And there's misalignment.
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But I also, again, would be remiss not to acknowledge as a business owner, you're just pouring everything you got into building and growing and scaling and maintaining momentum.
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That's why you hire teams.
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It takes capital to build.
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I think that oftentimes business owners are far more ready than when they think, right?
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Risk seeking typically, but can be conservative in other capacities, which is really interesting.
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This is just the human psyche.
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Another conversation for another day on that.
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But I cannot emphasize enough how important it is to have trusted partners, ensuring that you are operating objectively and partially and in your own best interest.
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Let's pause for a moment to hear from our sponsors.
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You've built a name for yourself through hard work and dedication.
00:18:56.640 --> 00:19:00.720
But does managing the business side feel like a distraction from your true passion?
00:19:00.960 --> 00:19:03.200
Are you dealing with unmanaged finances?
00:19:03.519 --> 00:19:06.319
CME Accounting LLC is here to help.
00:19:06.480 --> 00:19:11.680
We specialize in organizing your financial records, allowing you to focus on what you do best.
00:19:11.920 --> 00:19:15.680
We've organized books, you'll have more time for what inspires you.
00:19:15.839 --> 00:19:21.119
Whether that's expanding your influence, building relationships, or simply enjoying life.
00:19:21.359 --> 00:19:24.160
Don't let unmanaged finances hold you back.
00:19:24.319 --> 00:19:28.799
Reach out to CME Accounting LLC today and let us help you thrive.
00:19:29.039 --> 00:19:39.759
Visit our website www.cmeaccountinglc.com or email us at admin at cmeaccountinglc.com.
00:19:40.000 --> 00:19:42.720
Alright, let's jump back into our conversation.
00:19:43.200 --> 00:19:44.480
Yes, for sure.
00:19:44.640 --> 00:19:45.039
Hmm.
00:19:45.200 --> 00:19:47.039
Just thinking on that a little bit.
00:19:47.279 --> 00:20:01.839
And um, if there is somebody who's listening to you and you're thinking, maybe I should do this now, or maybe I've thought about it, but I haven't quite done what I need to do, what would you say that the next step should be at this point?
00:20:02.000 --> 00:20:05.279
If they were to work with you or just somebody in the in the same field?
00:20:05.599 --> 00:20:09.039
Yeah, I think reach out, book an introductory conversation.
00:20:09.440 --> 00:20:19.359
Part of the work, part of why I believe I've been fortunate to experience success when I aligned with a really strong team and helping building a really strong team.
00:20:19.519 --> 00:20:30.079
I think that I'm good at what I do, and in order for me to to deliver at the cadence and at the level that I do, I have a strong team.
00:20:30.240 --> 00:20:36.400
And so you need to hire real, you know, people that are arguably better than you are, I think, oftentimes, right?
00:20:36.480 --> 00:20:39.440
So, and hire probably sooner than you think you should.
00:20:39.599 --> 00:20:45.279
I mean, it just how do you scale on again, industry's specific, but I think that you you need a good team.
00:20:45.440 --> 00:20:52.799
The other thing that I think is really powerful is that it's a lot of just noise between your own ears and introductory conversation costs you your time.
00:20:52.880 --> 00:21:00.720
Now, your time is immensely valuable, but my job and why I think I've been successful is that academic part of me is I'm just a really good researcher.
00:21:00.880 --> 00:21:09.279
My job is to extract data quantitative, all the numbers and sense and statements and tax documents and estate documents and all these things, right?
00:21:09.440 --> 00:21:17.599
But the qualitative data of what makes you you, what are your value systems, what are your goals personally, professionally, financially.
00:21:17.920 --> 00:21:26.720
There are a lot of strategies that we deploy, but it's really important to understand every decision that we make going forward has to help track you toward what you're looking to build.
00:21:26.799 --> 00:21:30.799
And that's again, personal, professional, financial across different time horizons.
00:21:31.039 --> 00:21:32.400
Kind of you get what you pay for.
00:21:32.480 --> 00:21:36.240
I'm sure as a tax professional, you tell people that all the time, right?
00:21:36.480 --> 00:21:39.920
So, you know, oftentimes it's a lot of just noise in between your own ear.
00:21:40.079 --> 00:21:44.720
You're a huge proponent for everyone deserves good and decent planning.
00:21:44.960 --> 00:21:52.480
Find a good partner, find the right fit, and just book the introductory call and see if it works.
00:21:52.799 --> 00:21:59.519
A good professional will tell you if you're I there are conversations that I have sometimes that'll be introductory.
00:22:00.079 --> 00:22:07.039
Find a men's joint and say, okay, here are some things that you could probably do in the meantime, get to work, and then let's revisit this back in another year or two.
00:22:07.200 --> 00:22:11.119
And then there's times that it's just a formalized engagement and we just get to work tactically.
00:22:11.359 --> 00:22:18.720
But my job in that, you know, operating integrity is to make sure, again, you if you're doing the right thing for the right reasons, right?
00:22:19.200 --> 00:22:27.519
You should trust that that professional will tell you truthfully, okay, for what I would charge for my level of work, I don't find it justifiable.
00:22:27.680 --> 00:22:32.240
That's you know, why don't you go take this and get to work and do these things and then let's get back together, right?
00:22:32.400 --> 00:22:34.000
And that's when we can be helpful.
00:22:34.240 --> 00:22:46.640
And I love that you mentioned that because even though somebody reaches out to you now and they're not quite at the point where you two can work together, it sounds like just that conversation can still provide some kind of clarity.
00:22:47.200 --> 00:22:51.920
I'm very confident that we leave people better off than when they came.
00:22:52.160 --> 00:22:52.720
For sure.
00:22:53.359 --> 00:22:53.680
Okay.
00:22:53.920 --> 00:22:56.000
And I know you can't get into specifics.
00:22:56.160 --> 00:23:06.000
You know, when somebody comes to you, when they get to the other side after having worked with you, what are some of the changes that you see in them or some of the different decisions they probably make?
00:23:06.079 --> 00:23:07.599
I would just love to see what that looks like.
00:23:07.839 --> 00:23:08.640
Yeah, sure.
00:23:08.799 --> 00:23:12.000
You know, there's some really powerful planning that happens.
00:23:12.079 --> 00:23:22.319
I mean, super powerful and so strategic and estate work and tax work and financial solutions and investment strategy and thesis work.
00:23:22.400 --> 00:23:24.400
I mean, it's it's pretty robust.
00:23:25.039 --> 00:23:30.960
I don't believe in overcomplicating something that sh doesn't need to be overcomplicated, right?
00:23:31.119 --> 00:23:33.920
And I think I'll I'll tie in two questions together.
00:23:34.000 --> 00:23:37.920
The one question around like, okay, what are some like core memory moments for your work?
00:23:38.160 --> 00:23:39.519
And then what do we do?
00:23:39.680 --> 00:23:43.119
It's the clients that come back and say, You have changed my life, right?
00:23:43.200 --> 00:23:44.240
This is the impact work.
00:23:44.400 --> 00:23:48.000
It's the I can go to bed at night sleeping a little bit better.
00:23:48.079 --> 00:23:51.119
We do special, special considerations planning.
00:23:51.440 --> 00:23:55.680
And in consideration for my personal story with my brother, how important it is.
00:23:55.839 --> 00:24:00.160
My mother, her biggest concern wasn't, do I have enough resources to be able to retire?
00:24:00.319 --> 00:24:02.400
It's God forbid something happens to me.
00:24:02.480 --> 00:24:09.279
I need to make sure my forever dependent child who's now an adult will be okay.
00:24:10.079 --> 00:24:14.480
It's the being able to live with more confidence, less worry.
00:24:14.640 --> 00:24:22.400
It is the when the markets get turbulent, the coaching, the behavioral work around, I know this is uncomfortable.
00:24:22.640 --> 00:24:28.720
I want you to remember we planned for this, we expected it, and we stay course.
00:24:28.799 --> 00:24:36.799
That's how you can be objective, impartial, and not emotional, where you make decisions that unfortunately typically don't work out.
00:24:36.960 --> 00:24:40.079
I mean, statistically, I can give you so much data points to support that.
00:24:40.319 --> 00:24:45.920
That is where our work really changes people's lives.
00:24:46.400 --> 00:24:46.960
Yes.
00:24:47.200 --> 00:24:50.319
I can see how important it is to have that steady hand.
00:24:50.400 --> 00:24:53.680
Um, when you mentioned that sometimes the market can get turbulent.
00:24:53.839 --> 00:25:00.640
Um, but the fact that you've already been speaking to somebody and then you've basically already factored that in in a sense.
00:25:00.960 --> 00:25:17.359
We've built a good plan, is a plan that we believe in, and the right plan, let's execute, and that way when we experience, I mean, there's going to be geopolitical events, politics, market environments, change in income, change in job, whatever it might be.
00:25:17.519 --> 00:25:26.960
It's we've built a plan, a plan that we believe in, we stay the course, and we update that plan as things change to mean to ensure that we remain on track.
00:25:27.279 --> 00:25:27.839
Thank you.
00:25:28.000 --> 00:25:37.279
And you know, while we're talking, I'm thinking of somebody who's probably looking to transition from full-time work to probably becoming an entrepreneur themselves.
00:25:37.519 --> 00:25:53.279
And I could see how maybe speaking with you even before they make the decision could help them plan for that, maybe even give them a sense of when they can actually do that, or just the in-between what needs to be done to fulfill that dream.
00:25:53.440 --> 00:25:55.599
Is that something you can probably touch on a little bit?
00:25:55.839 --> 00:25:56.720
Oh, absolutely.
00:25:56.960 --> 00:25:58.799
I I think that there are so many.
00:25:58.880 --> 00:26:08.559
I'll let you clear to speak to the tax strategies around W-2 versus entrepreneurial solo, you know, 1099, whatever that may look like.
00:26:08.720 --> 00:26:18.079
Uh there is so much flexibility of finances and time when it comes to going entrepreneurial, but it certainly comes with its, it's not for the faint of heart, right?
00:26:18.160 --> 00:26:20.160
We we we can all probably agree to that.
00:26:20.400 --> 00:26:27.599
Benefits is a lot of the a lot of people shifting from W to let's call it 1099 entrepreneurial work.
00:26:27.920 --> 00:26:33.599
I want control onus of my time, of my of my capital, my data.
00:26:33.839 --> 00:26:39.119
I also, you know, but the drawback is I'm no longer going to have the benefits, right?
00:26:39.359 --> 00:26:44.000
That that you get through your employer, the 401k, the 401k match, benefits, etc.
00:26:44.319 --> 00:26:46.960
We can duplicate all of those benefits.
00:26:47.200 --> 00:26:54.640
So I tell entrepreneurs this again, you need to be willing to build and and to put in the work, but we can duplicate most benefits.
00:26:55.039 --> 00:27:05.200
I I think it's important to have runway so that way if the type of business that you are building requires cash flow, plan for that.
00:27:05.359 --> 00:27:10.960
Because what you don't want to get into a position of is not having enough and then feeling like you have to go back.
00:27:11.119 --> 00:27:14.319
And it's just an ineffective use of your time and your capital.
00:27:14.480 --> 00:27:20.960
So, with good and prudent planning, you can really posture, position yourself well to take the quote unquote leap.
00:27:21.119 --> 00:27:22.720
I love entrepreneurial households.
00:27:22.799 --> 00:27:29.920
There's so much strategic work that we can do, and again, we can duplicate the benefits when we have a blended W-2 entrepreneurial household, right?
00:27:30.000 --> 00:27:35.920
Just like such cool stuff that can happen on a tax return, and otherwise, you can arguably save more, deduct more.
00:27:36.000 --> 00:27:37.759
I mean, there's so much power in that.
00:27:37.920 --> 00:27:40.240
But again, it's not for everybody.
00:27:40.400 --> 00:27:45.680
So I think it's good to have an honest conversation with someone that does entrepreneurial work.
00:27:46.240 --> 00:27:52.559
One, the tactical side, but also the honest conversations around what you should expect.
00:27:52.960 --> 00:27:54.319
Yes, yes, I agree.
00:27:54.480 --> 00:28:05.920
And then I love that this um podcast kind of gives people a little bit of insight into all um what entrepreneurship looks like and hearing the stories of people who've done it, people who serve entrepreneurs.
00:28:06.240 --> 00:28:08.559
So thanks for adding to the conversation.
00:28:09.359 --> 00:28:16.640
Again, not for the faint of heart, but if with good and prudent planning, you can really eradicate a lot of those stress orders.
00:28:17.279 --> 00:28:21.759
Yes, yes, and knowing about that even before you get started is so key.
00:28:21.920 --> 00:28:30.480
Because for me, I've found that I'm learning a lot as I go and I'm realizing if I had just known this little piece of information before I started, things could have been a lot easier.
00:28:30.960 --> 00:28:31.839
Hugely beneficial.
00:28:32.000 --> 00:28:34.000
I mean, but that's the power of proactive planning, right?
00:28:34.160 --> 00:28:42.160
We always like hindsight's always 2020, but I mean, even as simple as you leave your W 2, you no longer have group disability.
00:28:42.319 --> 00:28:48.240
I mean, just like a very granular example is disability insurance is your ability to protect your income.
00:28:48.319 --> 00:28:57.599
It is critical inside of the success of a financial plan if you don't have the level of net worth to sustain if you no longer earn income, cover expenses and save.
00:28:57.839 --> 00:29:09.359
And so prior to leaving your W-2, you should probably get a level of disability personal because you can't get personal disability unless you show two years of business cash flow tax returns, right?
00:29:09.599 --> 00:29:16.400
So just like little things that we do in proactive nature to make sure, again, you are set for success as you transition.
00:29:16.799 --> 00:29:28.079
And so for brand new entrepreneurs, it's like, okay, we can duplicate benefits, we can do life insurance and you know qualified plan structures and profit sharing, all this cool stuff, right?
00:29:28.400 --> 00:29:31.039
Disability, you've got to show two years of a tax return.
00:29:31.119 --> 00:29:34.000
And now the the big risk to your financial plan.
00:29:34.079 --> 00:29:36.799
So we work off of a three-legged stool pretty much.
00:29:36.960 --> 00:29:39.279
So the first leg is just the appropriate risk.
00:29:39.599 --> 00:29:42.319
What are the stressors that could up on your financial security, right?
00:29:42.400 --> 00:29:46.720
Is it liquidity, liability, insurances, runway?
00:29:47.039 --> 00:29:48.160
I mean, there's just so much, right?
00:29:48.319 --> 00:29:49.440
People, what is it?
00:29:49.680 --> 00:29:52.400
Oftentimes it's okay, God forbid I lost my income.
00:29:52.559 --> 00:29:53.839
Like, what is the plan?
00:29:54.480 --> 00:29:56.400
Oftentimes people don't have one.
00:29:56.480 --> 00:29:57.519
It's just hope.
00:29:57.759 --> 00:30:00.400
That's not a really good plan, right?
00:30:00.559 --> 00:30:20.480
And again, it's just, I unfortunately in my line of work see such goodness in this work, and then also the unfortunate circumstances of someone that wished they had deployed a strategy but yet like hadn't done it yet or didn't know about it or just dragged their feet, whatever it is, that's really hard because it changes people's, it can flip your life upside down.
00:30:20.720 --> 00:30:21.680
Yes, for sure.
00:30:22.240 --> 00:30:25.200
It's a good plan and can really set the stage for success.
00:30:25.519 --> 00:30:26.000
Yes.
00:30:26.160 --> 00:30:28.960
And on that note, what does success mean to you?
00:30:29.279 --> 00:30:30.960
Living life in alignment.
00:30:31.279 --> 00:30:34.720
I am very clear on what my value systems are.
00:30:34.960 --> 00:30:48.319
It's just a matter of if I was to go back in the last week and do an audit on my time, what percentage was allocated toward family, faith, community, work?
00:30:48.799 --> 00:30:50.559
Self-care is in there somewhere, right?
00:30:50.640 --> 00:30:51.920
Like running or something like that.
00:30:52.319 --> 00:30:53.599
Did I live in alignment?
00:30:53.680 --> 00:30:56.960
And so I just that's part of the work that I'm doing with my coach, right?
00:30:57.119 --> 00:31:02.079
Executive coach and leadership work is I find success, right?
00:31:02.160 --> 00:31:03.839
And even just more tactical.
00:31:03.920 --> 00:31:07.680
I think about my children and I want them to be better off than I am.
00:31:07.759 --> 00:31:16.720
And I'm a huge proponent for entrepreneurial work and building a business that my kids, if they decided they wanted to do this type of work and carry it on, they could get in.
00:31:17.119 --> 00:31:27.119
Success for me means truly having clear goals and value systems and ensuring that my time and my capital aligns with that.
00:31:27.440 --> 00:31:27.759
Great.
00:31:27.839 --> 00:31:32.880
And then I noticed you mentioned there again um coach, and earlier you mentioned mentors.
00:31:33.039 --> 00:31:37.680
So it really goes back to how having a team, we really can do things alone.
00:31:37.759 --> 00:31:49.359
So having someone like you on the team, having a coach, um, various mentors based on what you're looking to do, and um, you know, having a tax professional and accountant, all of this is so important.
00:31:49.440 --> 00:31:50.720
It really helps a lot.
00:31:50.960 --> 00:32:01.519
And um, just before we end, I just wanted to see if there is one thing, just one thing you'd like to leave with um those listening to you now, what would that be?
00:32:01.839 --> 00:32:03.839
You're ready before you think you are.
00:32:04.079 --> 00:32:06.079
Due diligence is important, right?
00:32:06.319 --> 00:32:14.880
But the having a conversation with someone like me, financial planner, or taking the lead for entrepreneurship, you're often more ready than you think you are.
00:32:15.039 --> 00:32:22.720
But I cannot emphasize enough the value of a good plan in advance and getting clarity ahead of time to provide a level of confidence, right?
00:32:22.880 --> 00:32:26.559
I think, you know, again, a lot of my work instead of special needs planning.
00:32:26.720 --> 00:32:32.160
I think people try and get tactical far too early before they just go back to okay, what am I building?
00:32:32.240 --> 00:32:33.440
What am I looking to accomplish?
00:32:33.519 --> 00:32:34.799
What keeps me up at night, right?
00:32:34.880 --> 00:32:36.160
What are the stressors?
00:32:36.319 --> 00:32:42.880
And deploying and employing somebody like me or like you, that this is what we do.
00:32:42.960 --> 00:32:51.119
We have an expertise and experience in this to really help support it's far better use of your time and your capital so that you could be the hero of your own life.
00:32:51.200 --> 00:33:02.640
I mean, if you find the right professional and trusted team, executive coach, tax, estate, financial, right mentor, it should be driving you toward becoming the hero of your own life.
00:33:02.720 --> 00:33:03.519
And I really mean it.
00:33:03.599 --> 00:33:07.119
And it sounds tacky, but like that is our firm's motto.
00:33:07.359 --> 00:33:10.000
Is this decision helping you become the hero of your own life?
00:33:10.160 --> 00:33:10.480
Right?
00:33:10.640 --> 00:33:14.880
And if the answer is no and you're confident with that, that's cool, right?
00:33:15.200 --> 00:33:18.559
But I just think it's really important to have that objective and partial partnership.
00:33:18.880 --> 00:33:20.720
Okay, thank you so much.
00:33:20.880 --> 00:33:23.759
And what's the best way that our audience can reach you?
00:33:24.000 --> 00:33:25.599
Oh, I appreciate the ask.
00:33:25.680 --> 00:33:30.960
Uh, my LinkedIn, Christine Lemudie, L-I-M-U-T-I Clearita.
00:33:31.200 --> 00:33:39.200
I'll just assume that when you upload this, I would just have a direct link to my LinkedIn and then our website, the Atrium Financial Group.
00:33:39.359 --> 00:33:42.799
You can capture our website, my email.
00:33:43.359 --> 00:33:44.880
Glad to have time.
00:33:44.960 --> 00:33:48.400
They can certainly reach out to you if they're interested in having an introductory conversation.
00:33:48.559 --> 00:33:51.680
I always find joy in meeting other people and hearing their stories too.
00:33:51.839 --> 00:33:58.400
I'm a curator or collector of stories, and I find myself I'm very fortunate to have that.
00:33:58.720 --> 00:33:59.920
Okay, thank you so much.
00:34:00.000 --> 00:34:02.480
And yes, I will definitely add that to the show notes.
00:34:02.640 --> 00:34:08.480
Thanks so much for taking the time to be with us and sh for sharing so much valuable information with us today.
00:34:08.639 --> 00:34:09.440
Have a good day.
00:34:10.079 --> 00:34:10.960
You too.
00:34:11.679 --> 00:34:18.400
A quick note before we wrap up the insights and experiences shared by our guests are their own.
00:34:18.800 --> 00:34:26.559
We love creating space for real conversations about business and growth, and everyone's journey is unique.
00:34:27.440 --> 00:34:33.920
Therefore, this podcast is for informational and inspirational purposes only.
00:34:34.400 --> 00:34:40.719
It is not meant to replace legal, financial, or other professional advice.
00:34:41.280 --> 00:34:50.000
So we encourage you to take what's useful, do your own due diligence and build what works best for you.
00:34:50.719 --> 00:34:54.480
Thanks for listening to begin build blossom your business journey.
00:34:54.719 --> 00:35:01.760
We hope today's conversation gave you the insights and inspiration you need to move forward on your own path.
00:35:02.000 --> 00:35:07.599
Don't forget to subscribe or follow wherever you get your podcast so you never miss an episode.
00:35:07.760 --> 00:35:09.119
Do you have feedback?
00:35:09.280 --> 00:35:15.280
We'd love to hear from you at podcast at cmeaccountinglc.com.
00:35:15.519 --> 00:35:18.480
Join us again next week for a new episode.
00:00:00.400 --> 00:00:02.319
You're ready before you think you are.
00:00:02.560 --> 00:00:04.480
Due diligence is important, right?
00:00:04.719 --> 00:00:13.119
But the having a conversation with someone like me, financial planner, or taking the leap for entrepreneurship, you're often more ready than you think you are.
00:00:13.519 --> 00:00:20.719
But I cannot emphasize enough the value of a good plan in advance and getting clarity ahead of time to provide a level of confidence.
00:00:20.960 --> 00:00:23.920
But the biggest challenge is wanting to be in two places at once all the time.
00:00:24.079 --> 00:00:25.839
I love my work and I love my children.
00:00:26.000 --> 00:00:28.000
And so how do you do that?
00:00:28.320 --> 00:00:35.039
I am very intentional again about how I structure my calendar and I give 100% and I'm committed to the work when I'm at work.
00:00:35.280 --> 00:00:38.159
I also need to then protect when I'm with my family.
00:00:38.320 --> 00:00:41.280
I'm 100% committed to them and they understand.
00:00:42.159 --> 00:00:53.679
Welcome to Begin Build Blossom, your business journey, the podcast where we share valuable insights, resources, and motivation to fuel your entrepreneurial spirit.
00:00:53.920 --> 00:00:56.880
Let's build a supportive community together.
00:00:57.119 --> 00:01:03.759
Don't forget to subscribe or follow wherever you listen to podcasts and be part of this journey.
00:01:05.439 --> 00:01:08.480
Let's pause for a moment to hear from our sponsors.
00:01:08.719 --> 00:01:12.239
You've built a name for yourself through hard work and dedication.
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But does managing the business side feel like a distraction from your true passion?
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Are you dealing with unmanaged finances?
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Reach out to CME Accounting LLC today and let us help you thrive.
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Visit our website www.cmeaccountinglc.com or email us at admin at cmeaccountinglc.com.
00:01:55.840 --> 00:01:58.319
Alright, let's jump back into our conversation.
00:01:58.560 --> 00:02:03.280
Good day and welcome to our podcast Begin Bill Plossom, your business journey.
00:02:03.519 --> 00:02:06.000
Today's guest is Christine Limotti.
00:02:06.159 --> 00:02:18.240
She is a finance professional and entrepreneur with over 15 years of combined experience in entrepreneurship, cash flow management, business strategy and operations, and financial forecasting.
00:02:18.479 --> 00:02:35.599
Her work is centered on serving individuals, families, and business owners, helping them elevate financial health, build multi-generational wealth, and focus on asset preservation, stewardship, and meaningful sustainable investing.
00:02:35.840 --> 00:02:46.719
She is also a wife and mother of four, with children ranging in age from 3 to 13, and her family values are rooted in faith, family, and stewardship.
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Beyond her professional work, she is a marathon runner, a bar and Pilates instructor, and a mental health advocate.
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She enjoys a good read, a true crime podcast, and spending time over food and drinks with her tribe.
00:03:02.319 --> 00:03:09.599
She believes in sticking good or creating it, and also in flexing our limitless capabilities.
00:03:09.759 --> 00:03:10.639
Thank you, Christine.
00:03:10.719 --> 00:03:11.439
How are you doing?
00:03:11.759 --> 00:03:13.120
I'm doing so well, thank you.
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Thank you so much for having me.
00:03:15.360 --> 00:03:17.120
Yes, and thanks for joining us.
00:03:17.280 --> 00:03:27.439
And we met through a networking group, and um I like to mention that just because uh I feel like networking is just so very important, and I'm glad that we were able to meet.
00:03:27.759 --> 00:03:29.439
Yes, I'm uh I'm in agreement.
00:03:29.759 --> 00:03:38.400
Sometimes it's a lot of intentionality about finding the right networking group and just fostering those authentic, continued discussions.
00:03:39.039 --> 00:03:40.639
Yes, for sure.
00:03:40.879 --> 00:03:42.000
So let's get started.
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We always like to ask our guests two words one that describe themselves now and one that they would use to describe themselves as a child.
00:03:51.759 --> 00:03:52.719
Oh, one word.
00:03:52.879 --> 00:03:54.400
That's a great question.
00:03:54.639 --> 00:04:05.919
I'll start with recently did my goal setting vision statement uh for this year, and my word of this year was intentionality, intentionality around time.
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Time is the one equalizing resource that we have, and I'm a huge proponent and advocate for spending your time in alignment with what your value systems are, and so this is the year that I'm doing an audit on my actions and ensuring that my time is well spent.
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Value systems for me are going to be my family, my faith, my work, community.
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And so ensuring that how I spend my time is in alignment with that.
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And sometimes it's tough to hold yourself accountable to that.
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Going back to the childhood, oh goodness, I think I think that any childhood has its challenges, but it certainly fosters a sense of family and closeness with my siblings and my family, which I'm forever grateful for, and we have carried into our adult years as now we raise our own children and cousins.
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Awesome.
00:04:57.839 --> 00:04:58.959
Thanks for sharing that.
00:04:59.120 --> 00:05:03.360
And what's one childhood memory you'd say that really brings a smile to your face?
00:05:04.480 --> 00:05:13.120
I think one is Friday evenings were often spent playing board games and just a lot of fun around movies and things with my siblings.
00:05:13.199 --> 00:05:17.600
I have three younger brothers, and we certainly grew up very close, and so I loved that.
00:05:18.000 --> 00:05:20.879
As I aged, I do remember this was a teaching moment.
00:05:21.040 --> 00:05:26.399
I am very fortunate to have been raised by a very strong, wise mother.
00:05:27.199 --> 00:05:40.720
And I remember in my youth feeling a sense of missing out, and it was a remarkable conversation that again, as we think about raising our next generation of children, is like, how do we do this a little differently and a little bit better?
00:05:40.879 --> 00:05:56.079
But she taught me that oftentimes if you feel like you're not being a part of the conversations or the rooms that you want to be, find ways to like what would it mean to say yes instead of leaving with the concern or the fear or the angst.
00:05:56.480 --> 00:06:02.800
And so I have taught, I've carried that life lesson with me throughout leaning into what would it look like if we said yes?
00:06:02.959 --> 00:06:12.399
And then let's back into that from there, and ultimately being able to be very intentional and thoughtful about the rooms that we put ourselves in and the influences we surround ourselves with.
00:06:12.639 --> 00:06:13.279
I love that.
00:06:13.439 --> 00:06:15.040
Thank you so much for sharing that.
00:06:15.279 --> 00:06:22.959
And going into the business a little bit, what's one of the highest highs or one of the best moments you'd say that you've had in business so far?
00:06:23.279 --> 00:06:24.319
Yeah, so many.
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I will say my work in holistic planning, I would be remiss not to acknowledge a trust and faith that individuals and families and business owners they place in myself and our team.
00:06:36.319 --> 00:06:39.199
We've been very intentional about the team that we've we've built.
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The greatest memory is truly, and I can't speak to specifics because I want to protect privacy, but certainly it's when I get to meet individuals in a way that I meet their family, as I meet their children, I get to see them in their homes.
00:06:52.959 --> 00:07:02.959
I just find such value and I'm so grateful for the opportunity to meet people in a very intimate way, and I don't take it for granted.
00:07:03.120 --> 00:07:12.160
And I've had a few recent moments where I've gotten to meet people in their homes and meeting their children, and you know, in a way that it goes so far beyond just private wealth advisory.
00:07:12.240 --> 00:07:16.639
It's again aligning capital in alignment with value systems.
00:07:17.120 --> 00:07:17.680
Great.
00:07:17.920 --> 00:07:25.439
And if you could think of one not so good moment if we're just looking at the opposites of that, maybe one of the challenges.
00:07:25.839 --> 00:07:29.439
Certainly, I think that I work a dream profession.
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I love my work.
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I also find that I feel so enriched.
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I recently read an article all around the psychology and human behavior, around how we audit our actions and spend our time.
00:07:41.839 --> 00:07:42.879
And I'm very specific.
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My calendar is very parceled out.
00:07:44.879 --> 00:07:51.519
So like I have my reading time and my deep thinking time, I have my exercise, I'm up early, I have work.
00:07:52.160 --> 00:07:58.639
And so the biggest challenge for me truly is turning it off because I actually really enjoy my work and I love my family.
00:07:58.800 --> 00:08:01.600
And there's nothing more important to me than my family.
00:08:01.759 --> 00:08:08.959
And so, could I see myself if I was, we have cats about the cat lady that lived independently.
00:08:09.120 --> 00:08:11.600
I would be working all the time because I truly do love my work.
00:08:11.680 --> 00:08:14.480
And it probably is not right healthy in that side either.
00:08:14.720 --> 00:08:17.680
But the biggest challenge is wanting to be in two places at once all the time.
00:08:17.839 --> 00:08:19.600
I love my work and I love my children.
00:08:19.759 --> 00:08:21.759
And so, how do you do that?
00:08:22.000 --> 00:08:28.800
I am very intentional again about how I structure my calendar and I give a hundred percent and I'm committed to the work when I'm at work.
00:08:29.040 --> 00:08:31.839
I also need to then protect when I'm with my family.
00:08:32.000 --> 00:08:34.960
I'm 100% committed to them and they understand.
00:08:35.279 --> 00:08:36.399
Thanks for sharing that.
00:08:36.480 --> 00:08:42.159
And even personally, for me, it's one of my greatest challenges because I'm I'm relatively new in business.
00:08:42.399 --> 00:08:47.120
So figuring out how to balance has really been a challenge.
00:08:47.279 --> 00:08:51.519
I like how you shared that um being intentional with your calendar.
00:08:51.679 --> 00:08:56.240
And it sounds like everything that needs to be done is on that calendar, so you make time for everything.
00:08:56.399 --> 00:09:05.360
And you also mentioned that you focus on that when you're doing it, and then that means each, whether it's a family or work, it gets the time that it deserves.
00:09:05.519 --> 00:09:06.799
So I'm happy to hear that.
00:09:06.879 --> 00:09:08.000
Thank you for sharing that.
00:09:08.240 --> 00:09:08.639
Sure.
00:09:08.879 --> 00:09:12.720
All right, and is there one book or movie that you would recommend?
00:09:13.039 --> 00:09:16.080
Right now, I've read this book before, but I'm actually rereading it.
00:09:16.159 --> 00:09:19.360
Is the uh Red Brown, The Dare to Lead book.
00:09:19.440 --> 00:09:21.600
I actually think I have it on my desk.
00:09:21.919 --> 00:09:35.279
I am doing some depth of work when it comes to just leading teams and uh building and and building a team that rides for you and with you.
00:09:35.440 --> 00:09:37.200
And so I'm revisiting that work.
00:09:37.840 --> 00:09:41.519
So it's probably gonna be the one that I is just top of mind for right now.
00:09:41.759 --> 00:09:48.799
I'm a big proponent for for reading, I don't do enough of it, and I need to allocate more time.
00:09:48.879 --> 00:09:52.399
But again, it's like you know, the one equalizing resource we all have is 24 hours.
00:09:52.480 --> 00:10:02.000
And so, how do you block that to where you're optimized, but also not where you're kind of making yourself nutty by being so rigid and inflexible.
00:10:02.080 --> 00:10:04.639
My kids have taught me that a level of flexibility.
00:10:04.960 --> 00:10:08.240
Yes, they do teach us a lot, especially about around flexibility.
00:10:10.879 --> 00:10:17.440
Um so, in terms of the business, now would be a good time to tell us the name of your business and what you do in business.
00:10:17.840 --> 00:10:18.159
Sure.
00:10:18.320 --> 00:10:22.480
So I'm a private wealth advisor for the Atrium Financial Group.
00:10:22.639 --> 00:10:34.879
We are based in New York, uh, multiple, multiple offices in cities, and we service families and individuals and businesses around the country, and we service people around the globe.
00:10:35.600 --> 00:10:54.159
We do holistic financial planning, so there's a component that's that's private wealth advisory, and also the planning work, the tax intelligence work, the estate and wealth stewardship work, it is a very holistic viewpoint and how we support and service the the clients and the families that we do.
00:10:54.480 --> 00:10:54.799
Okay.
00:10:55.200 --> 00:10:59.600
And can you tell us a little bit about your journey um into entrepreneurship?
00:10:59.759 --> 00:11:01.440
How did that start for you?
00:11:01.759 --> 00:11:11.360
So I grew up in a household where we didn't talk finances a lot, and so that had to be self-taught.
00:11:11.600 --> 00:11:16.639
I was independent the moment that I kind of flew the coup, went to college.
00:11:16.960 --> 00:11:21.759
And so a lot of bumps along the way, a lot of self-teaching along the way.
00:11:22.159 --> 00:11:24.240
I enjoy learning.
00:11:24.559 --> 00:11:27.759
Continue ed is something that's incredibly important to me.
00:11:28.240 --> 00:11:41.600
And while while going through a program, and I I come from an academic and entrepreneurial background, so I started my career thinking I was gonna go tenure track faculty, and life comes at us fast.
00:11:41.679 --> 00:11:47.279
And so, in the midst of my program, my youngest brother was diagnosed paranoid schizophrenic.
00:11:47.360 --> 00:11:50.080
I'm a partial caretaker, and so roots really needed to be home.
00:11:50.159 --> 00:11:55.759
This idea of tenure track faculty and relocation kind of it there was a pin in it for now.
00:11:56.000 --> 00:12:00.399
And so, in the meantime, my husband and I started building our businesses.
00:12:00.559 --> 00:12:10.960
So, in hospitality, in fitness and franchising, and on exit of a three-unit franchise, I was planning to take a beat.
00:12:11.120 --> 00:12:12.720
It was a profitable exit.
00:12:12.799 --> 00:12:15.279
We had done it fairly well and positioned it.
00:12:15.360 --> 00:12:25.039
And I had a female inside of my network tap me on the shoulder and basically, I know you're not looking, we're not looking to hire, but I want you to meet my team.
00:12:25.200 --> 00:12:30.960
And so I got the opportunity to meet the partners and the team at at Atrium, and I've never looked back.
00:12:31.120 --> 00:12:34.080
That's where I'll age out, I intend.
00:12:34.559 --> 00:12:47.360
And it's because of the way that we do planning and the level of integrity and continued ed, our missions are very clear, and the the level of work that we do is is pretty strong and intensive, which is exactly I'm a I'm a glutton for punishment.
00:12:47.440 --> 00:12:54.240
I remember interviewing and saying, if I could get a job that just pays me to learn, I mean, I just and make impact.
00:12:54.639 --> 00:12:57.039
That's what I've discovered and that's what we do.
00:12:57.360 --> 00:12:59.360
Okay, thanks so much for sharing that.
00:12:59.600 --> 00:13:09.759
And you mentioned um I've been hearing about team, not just in what you're doing now, but even before when it sounds like you had other businesses.
00:13:10.000 --> 00:13:17.200
And um, so can you tell us a little bit more about uh building a team in your experience and how important that is?
00:13:17.600 --> 00:13:20.960
So important, and I will tell you, it's developed for me over time.
00:13:21.200 --> 00:13:22.879
It's such an interesting conversation.
00:13:23.039 --> 00:13:39.279
I'm sure that we can all share like a leader that's been really like a mentor that really was helping and driving conviction, confidence, growth, whatever you are looking to accomplish, and then also leaders that have a strong desire to lead, but maybe don't execute as strong.
00:13:39.519 --> 00:13:47.679
And so I look back at my leadership style across the decades that I've been doing, either work in academia or in finance.
00:13:48.000 --> 00:13:51.039
I have certainly improved, which is good, right?
00:13:51.200 --> 00:14:02.799
I, you know, I look back and I think that a couple of things that have stuck with me that that I'm really refining and pouring into currently, one, honesty is kindness, right?
00:14:03.279 --> 00:14:18.480
Individuals want to lean in to a leader that they know is honest, operates with integrity, and it's challenged with a level of respect, professionalism, and kindness, right?
00:14:18.639 --> 00:14:21.840
So to move us all forward in the right direction.
00:14:22.080 --> 00:14:28.559
I think the other thing that's really important to me, and I've been fortunate to my direct mentor in this work.
00:14:28.799 --> 00:14:32.799
I remember had a very poignant conversation with me.
00:14:33.039 --> 00:14:35.039
I know what you're capable of.
00:14:35.679 --> 00:14:39.120
I want you to tell me how, what you want to reach for.
00:14:39.279 --> 00:14:40.320
I will help you build that.
00:14:40.559 --> 00:14:42.480
Well, backhand engineer into that.
00:14:42.639 --> 00:14:44.960
I'll tell you what it's gonna take to get there.
00:14:45.679 --> 00:14:47.120
Is that what you want?
00:14:47.279 --> 00:14:47.600
Right?
00:14:47.759 --> 00:14:54.639
I will push you, elevate you, support you, provide resources for you to the level that you desire.
00:14:54.799 --> 00:14:57.519
But I need you to tell me what that is.
00:14:58.159 --> 00:15:09.279
And so it was a really poignant time because it was lining up with someone who sees more in me than I even see in myself, but also pushes me beyond what I even think I'm capable of.
00:15:09.360 --> 00:15:09.519
Right.
00:15:09.679 --> 00:15:16.320
Like I come from an uh, I was an athlete in college, and so I always have desired like how far can I push?
00:15:16.480 --> 00:15:18.639
What is the physical nature of how far I can push?
00:15:18.720 --> 00:15:20.720
I'm a marathon runner now as an adult.
00:15:20.960 --> 00:15:22.799
Like, how far can I physically go?
00:15:23.519 --> 00:15:29.120
I do that in my work too, but sometimes you need someone who can see above the weeds for you.
00:15:29.279 --> 00:15:31.039
I do that for my clients every single day.
00:15:31.200 --> 00:15:38.879
So as a leader, my work in this year is really just a pour in, and really there's an art and science leading teams.
00:15:39.440 --> 00:15:42.159
I want to really build a team, simply put, right?
00:15:42.320 --> 00:15:47.279
Build a practice, build a team where we ride for one another.
00:15:47.519 --> 00:15:56.240
They ride for me, they ride with me, they run hard, they run fast with clear focus and alignment in our firm's mission.
00:15:56.399 --> 00:16:02.080
Pursuit of excellence, continued education, family first firm, do the right thing.
00:16:02.240 --> 00:16:07.039
I mean, all the things that you would presume, but we're very clear in our mission and we live it every single day.
00:16:07.360 --> 00:16:07.759
Great.
00:16:08.000 --> 00:16:09.519
Thank you so much for sharing that.
00:16:09.679 --> 00:16:24.399
And I heard elevate in there, and I'm thinking about business owners right now, who probably not where they would like to be, but um, having somebody like you mentioned earlier, some sometimes there are people who see beyond for you.
00:16:24.720 --> 00:16:30.159
So can you just tell me a little bit about how you serve business owners?
00:16:30.240 --> 00:16:42.080
We um basically, if there is a business owner right now who has that goal of investment in just building wealth, but they're not quite there yet.
00:16:42.320 --> 00:16:44.080
They're probably starting.
00:16:44.399 --> 00:16:53.519
What would be one of the financial habits or decisions you would say that they should focus on right now to help them get to where they're trying to get to?
00:16:53.840 --> 00:16:56.879
Building and curating a trusted advisory team.
00:16:56.960 --> 00:16:59.519
So you got your teams that help you do your day-to-day.
00:16:59.600 --> 00:17:01.039
That's the in-the-weeds stuff.
00:17:01.200 --> 00:17:08.960
I think for business owners that desire to elevate and grow, you need to find time, dedicated time, or assign individuals like you above the weeds.
00:17:09.200 --> 00:17:13.519
Like there's there's below-the-line tactics, and then there's above the line strategy.
00:17:13.680 --> 00:17:14.799
You need both.
00:17:14.960 --> 00:17:19.200
But it's really difficult for a business owner to be in both fields at the same time.
00:17:19.279 --> 00:17:23.599
And it's just business owners are doing all things all at once, right?
00:17:23.839 --> 00:17:27.279
So dedicated team is tax, right?
00:17:27.440 --> 00:17:30.880
That's your sphere, bookkeeping, financials, right?
00:17:31.039 --> 00:17:34.799
Financial planning, advisory, really important, duplication of benefits.
00:17:35.039 --> 00:17:38.480
I also think legal, depending upon your industry, right?
00:17:38.559 --> 00:17:45.599
What type and to the extent to which you need legal is really going to be dependent upon what ecosystem and sector you're involved in.
00:17:45.759 --> 00:17:47.440
But you need a trusted team.
00:17:47.759 --> 00:17:49.039
I think it's so interesting.
00:17:49.119 --> 00:18:00.880
I work with a lot of business owners who pour in 100% into their business, and yet they don't pour in 100% into their personal financial well-being.
00:18:01.200 --> 00:18:03.119
And there's misalignment.
00:18:03.359 --> 00:18:13.599
But I also, again, would be remiss not to acknowledge as a business owner, you're just pouring everything you got into building and growing and scaling and maintaining momentum.
00:18:14.240 --> 00:18:16.720
That's why you hire teams.
00:18:17.119 --> 00:18:19.920
It takes capital to build.
00:18:20.079 --> 00:18:25.519
I think that oftentimes business owners are far more ready than when they think, right?
00:18:25.839 --> 00:18:31.519
Risk seeking typically, but can be conservative in other capacities, which is really interesting.
00:18:31.599 --> 00:18:33.200
This is just the human psyche.
00:18:33.359 --> 00:18:36.240
Another conversation for another day on that.
00:18:36.799 --> 00:18:47.519
But I cannot emphasize enough how important it is to have trusted partners, ensuring that you are operating objectively and partially and in your own best interest.
00:18:49.599 --> 00:18:52.640
Let's pause for a moment to hear from our sponsors.
00:18:52.880 --> 00:18:56.480
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00:19:40.000 --> 00:19:42.720
Alright, let's jump back into our conversation.
00:19:43.200 --> 00:19:44.480
Yes, for sure.
00:19:44.640 --> 00:19:45.039
Hmm.
00:19:45.200 --> 00:19:47.039
Just thinking on that a little bit.
00:19:47.279 --> 00:20:01.839
And um, if there is somebody who's listening to you and you're thinking, maybe I should do this now, or maybe I've thought about it, but I haven't quite done what I need to do, what would you say that the next step should be at this point?
00:20:02.000 --> 00:20:05.279
If they were to work with you or just somebody in the in the same field?
00:20:05.599 --> 00:20:09.039
Yeah, I think reach out, book an introductory conversation.
00:20:09.440 --> 00:20:19.359
Part of the work, part of why I believe I've been fortunate to experience success when I aligned with a really strong team and helping building a really strong team.
00:20:19.519 --> 00:20:30.079
I think that I'm good at what I do, and in order for me to to deliver at the cadence and at the level that I do, I have a strong team.
00:20:30.240 --> 00:20:36.400
And so you need to hire real, you know, people that are arguably better than you are, I think, oftentimes, right?
00:20:36.480 --> 00:20:39.440
So, and hire probably sooner than you think you should.
00:20:39.599 --> 00:20:45.279
I mean, it just how do you scale on again, industry's specific, but I think that you you need a good team.
00:20:45.440 --> 00:20:52.799
The other thing that I think is really powerful is that it's a lot of just noise between your own ears and introductory conversation costs you your time.
00:20:52.880 --> 00:21:00.720
Now, your time is immensely valuable, but my job and why I think I've been successful is that academic part of me is I'm just a really good researcher.
00:21:00.880 --> 00:21:09.279
My job is to extract data quantitative, all the numbers and sense and statements and tax documents and estate documents and all these things, right?
00:21:09.440 --> 00:21:17.599
But the qualitative data of what makes you you, what are your value systems, what are your goals personally, professionally, financially.
00:21:17.920 --> 00:21:26.720
There are a lot of strategies that we deploy, but it's really important to understand every decision that we make going forward has to help track you toward what you're looking to build.
00:21:26.799 --> 00:21:30.799
And that's again, personal, professional, financial across different time horizons.
00:21:31.039 --> 00:21:32.400
Kind of you get what you pay for.
00:21:32.480 --> 00:21:36.240
I'm sure as a tax professional, you tell people that all the time, right?
00:21:36.480 --> 00:21:39.920
So, you know, oftentimes it's a lot of just noise in between your own ear.
00:21:40.079 --> 00:21:44.720
You're a huge proponent for everyone deserves good and decent planning.
00:21:44.960 --> 00:21:52.480
Find a good partner, find the right fit, and just book the introductory call and see if it works.
00:21:52.799 --> 00:21:59.519
A good professional will tell you if you're I there are conversations that I have sometimes that'll be introductory.
00:22:00.079 --> 00:22:07.039
Find a men's joint and say, okay, here are some things that you could probably do in the meantime, get to work, and then let's revisit this back in another year or two.
00:22:07.200 --> 00:22:11.119
And then there's times that it's just a formalized engagement and we just get to work tactically.
00:22:11.359 --> 00:22:18.720
But my job in that, you know, operating integrity is to make sure, again, you if you're doing the right thing for the right reasons, right?
00:22:19.200 --> 00:22:27.519
You should trust that that professional will tell you truthfully, okay, for what I would charge for my level of work, I don't find it justifiable.
00:22:27.680 --> 00:22:32.240
That's you know, why don't you go take this and get to work and do these things and then let's get back together, right?
00:22:32.400 --> 00:22:34.000
And that's when we can be helpful.
00:22:34.240 --> 00:22:46.640
And I love that you mentioned that because even though somebody reaches out to you now and they're not quite at the point where you two can work together, it sounds like just that conversation can still provide some kind of clarity.
00:22:47.200 --> 00:22:51.920
I'm very confident that we leave people better off than when they came.
00:22:52.160 --> 00:22:52.720
For sure.
00:22:53.359 --> 00:22:53.680
Okay.
00:22:53.920 --> 00:22:56.000
And I know you can't get into specifics.
00:22:56.160 --> 00:23:06.000
You know, when somebody comes to you, when they get to the other side after having worked with you, what are some of the changes that you see in them or some of the different decisions they probably make?
00:23:06.079 --> 00:23:07.599
I would just love to see what that looks like.
00:23:07.839 --> 00:23:08.640
Yeah, sure.
00:23:08.799 --> 00:23:12.000
You know, there's some really powerful planning that happens.
00:23:12.079 --> 00:23:22.319
I mean, super powerful and so strategic and estate work and tax work and financial solutions and investment strategy and thesis work.
00:23:22.400 --> 00:23:24.400
I mean, it's it's pretty robust.
00:23:25.039 --> 00:23:30.960
I don't believe in overcomplicating something that sh doesn't need to be overcomplicated, right?
00:23:31.119 --> 00:23:33.920
And I think I'll I'll tie in two questions together.
00:23:34.000 --> 00:23:37.920
The one question around like, okay, what are some like core memory moments for your work?
00:23:38.160 --> 00:23:39.519
And then what do we do?
00:23:39.680 --> 00:23:43.119
It's the clients that come back and say, You have changed my life, right?
00:23:43.200 --> 00:23:44.240
This is the impact work.
00:23:44.400 --> 00:23:48.000
It's the I can go to bed at night sleeping a little bit better.
00:23:48.079 --> 00:23:51.119
We do special, special considerations planning.
00:23:51.440 --> 00:23:55.680
And in consideration for my personal story with my brother, how important it is.
00:23:55.839 --> 00:24:00.160
My mother, her biggest concern wasn't, do I have enough resources to be able to retire?
00:24:00.319 --> 00:24:02.400
It's God forbid something happens to me.
00:24:02.480 --> 00:24:09.279
I need to make sure my forever dependent child who's now an adult will be okay.
00:24:10.079 --> 00:24:14.480
It's the being able to live with more confidence, less worry.
00:24:14.640 --> 00:24:22.400
It is the when the markets get turbulent, the coaching, the behavioral work around, I know this is uncomfortable.
00:24:22.640 --> 00:24:28.720
I want you to remember we planned for this, we expected it, and we stay course.
00:24:28.799 --> 00:24:36.799
That's how you can be objective, impartial, and not emotional, where you make decisions that unfortunately typically don't work out.
00:24:36.960 --> 00:24:40.079
I mean, statistically, I can give you so much data points to support that.
00:24:40.319 --> 00:24:45.920
That is where our work really changes people's lives.
00:24:46.400 --> 00:24:46.960
Yes.
00:24:47.200 --> 00:24:50.319
I can see how important it is to have that steady hand.
00:24:50.400 --> 00:24:53.680
Um, when you mentioned that sometimes the market can get turbulent.
00:24:53.839 --> 00:25:00.640
Um, but the fact that you've already been speaking to somebody and then you've basically already factored that in in a sense.
00:25:00.960 --> 00:25:17.359
We've built a good plan, is a plan that we believe in, and the right plan, let's execute, and that way when we experience, I mean, there's going to be geopolitical events, politics, market environments, change in income, change in job, whatever it might be.
00:25:17.519 --> 00:25:26.960
It's we've built a plan, a plan that we believe in, we stay the course, and we update that plan as things change to mean to ensure that we remain on track.
00:25:27.279 --> 00:25:27.839
Thank you.
00:25:28.000 --> 00:25:37.279
And you know, while we're talking, I'm thinking of somebody who's probably looking to transition from full-time work to probably becoming an entrepreneur themselves.
00:25:37.519 --> 00:25:53.279
And I could see how maybe speaking with you even before they make the decision could help them plan for that, maybe even give them a sense of when they can actually do that, or just the in-between what needs to be done to fulfill that dream.
00:25:53.440 --> 00:25:55.599
Is that something you can probably touch on a little bit?
00:25:55.839 --> 00:25:56.720
Oh, absolutely.
00:25:56.960 --> 00:25:58.799
I I think that there are so many.
00:25:58.880 --> 00:26:08.559
I'll let you clear to speak to the tax strategies around W-2 versus entrepreneurial solo, you know, 1099, whatever that may look like.
00:26:08.720 --> 00:26:18.079
Uh there is so much flexibility of finances and time when it comes to going entrepreneurial, but it certainly comes with its, it's not for the faint of heart, right?
00:26:18.160 --> 00:26:20.160
We we we can all probably agree to that.
00:26:20.400 --> 00:26:27.599
Benefits is a lot of the a lot of people shifting from W to let's call it 1099 entrepreneurial work.
00:26:27.920 --> 00:26:33.599
I want control onus of my time, of my of my capital, my data.
00:26:33.839 --> 00:26:39.119
I also, you know, but the drawback is I'm no longer going to have the benefits, right?
00:26:39.359 --> 00:26:44.000
That that you get through your employer, the 401k, the 401k match, benefits, etc.
00:26:44.319 --> 00:26:46.960
We can duplicate all of those benefits.
00:26:47.200 --> 00:26:54.640
So I tell entrepreneurs this again, you need to be willing to build and and to put in the work, but we can duplicate most benefits.
00:26:55.039 --> 00:27:05.200
I I think it's important to have runway so that way if the type of business that you are building requires cash flow, plan for that.
00:27:05.359 --> 00:27:10.960
Because what you don't want to get into a position of is not having enough and then feeling like you have to go back.
00:27:11.119 --> 00:27:14.319
And it's just an ineffective use of your time and your capital.
00:27:14.480 --> 00:27:20.960
So, with good and prudent planning, you can really posture, position yourself well to take the quote unquote leap.
00:27:21.119 --> 00:27:22.720
I love entrepreneurial households.
00:27:22.799 --> 00:27:29.920
There's so much strategic work that we can do, and again, we can duplicate the benefits when we have a blended W-2 entrepreneurial household, right?
00:27:30.000 --> 00:27:35.920
Just like such cool stuff that can happen on a tax return, and otherwise, you can arguably save more, deduct more.
00:27:36.000 --> 00:27:37.759
I mean, there's so much power in that.
00:27:37.920 --> 00:27:40.240
But again, it's not for everybody.
00:27:40.400 --> 00:27:45.680
So I think it's good to have an honest conversation with someone that does entrepreneurial work.
00:27:46.240 --> 00:27:52.559
One, the tactical side, but also the honest conversations around what you should expect.
00:27:52.960 --> 00:27:54.319
Yes, yes, I agree.
00:27:54.480 --> 00:28:05.920
And then I love that this um podcast kind of gives people a little bit of insight into all um what entrepreneurship looks like and hearing the stories of people who've done it, people who serve entrepreneurs.
00:28:06.240 --> 00:28:08.559
So thanks for adding to the conversation.
00:28:09.359 --> 00:28:16.640
Again, not for the faint of heart, but if with good and prudent planning, you can really eradicate a lot of those stress orders.
00:28:17.279 --> 00:28:21.759
Yes, yes, and knowing about that even before you get started is so key.
00:28:21.920 --> 00:28:30.480
Because for me, I've found that I'm learning a lot as I go and I'm realizing if I had just known this little piece of information before I started, things could have been a lot easier.
00:28:30.960 --> 00:28:31.839
Hugely beneficial.
00:28:32.000 --> 00:28:34.000
I mean, but that's the power of proactive planning, right?
00:28:34.160 --> 00:28:42.160
We always like hindsight's always 2020, but I mean, even as simple as you leave your W 2, you no longer have group disability.
00:28:42.319 --> 00:28:48.240
I mean, just like a very granular example is disability insurance is your ability to protect your income.
00:28:48.319 --> 00:28:57.599
It is critical inside of the success of a financial plan if you don't have the level of net worth to sustain if you no longer earn income, cover expenses and save.
00:28:57.839 --> 00:29:09.359
And so prior to leaving your W-2, you should probably get a level of disability personal because you can't get personal disability unless you show two years of business cash flow tax returns, right?
00:29:09.599 --> 00:29:16.400
So just like little things that we do in proactive nature to make sure, again, you are set for success as you transition.
00:29:16.799 --> 00:29:28.079
And so for brand new entrepreneurs, it's like, okay, we can duplicate benefits, we can do life insurance and you know qualified plan structures and profit sharing, all this cool stuff, right?
00:29:28.400 --> 00:29:31.039
Disability, you've got to show two years of a tax return.
00:29:31.119 --> 00:29:34.000
And now the the big risk to your financial plan.
00:29:34.079 --> 00:29:36.799
So we work off of a three-legged stool pretty much.
00:29:36.960 --> 00:29:39.279
So the first leg is just the appropriate risk.
00:29:39.599 --> 00:29:42.319
What are the stressors that could up on your financial security, right?
00:29:42.400 --> 00:29:46.720
Is it liquidity, liability, insurances, runway?
00:29:47.039 --> 00:29:48.160
I mean, there's just so much, right?
00:29:48.319 --> 00:29:49.440
People, what is it?
00:29:49.680 --> 00:29:52.400
Oftentimes it's okay, God forbid I lost my income.
00:29:52.559 --> 00:29:53.839
Like, what is the plan?
00:29:54.480 --> 00:29:56.400
Oftentimes people don't have one.
00:29:56.480 --> 00:29:57.519
It's just hope.
00:29:57.759 --> 00:30:00.400
That's not a really good plan, right?
00:30:00.559 --> 00:30:20.480
And again, it's just, I unfortunately in my line of work see such goodness in this work, and then also the unfortunate circumstances of someone that wished they had deployed a strategy but yet like hadn't done it yet or didn't know about it or just dragged their feet, whatever it is, that's really hard because it changes people's, it can flip your life upside down.
00:30:20.720 --> 00:30:21.680
Yes, for sure.
00:30:22.240 --> 00:30:25.200
It's a good plan and can really set the stage for success.
00:30:25.519 --> 00:30:26.000
Yes.
00:30:26.160 --> 00:30:28.960
And on that note, what does success mean to you?
00:30:29.279 --> 00:30:30.960
Living life in alignment.
00:30:31.279 --> 00:30:34.720
I am very clear on what my value systems are.
00:30:34.960 --> 00:30:48.319
It's just a matter of if I was to go back in the last week and do an audit on my time, what percentage was allocated toward family, faith, community, work?
00:30:48.799 --> 00:30:50.559
Self-care is in there somewhere, right?
00:30:50.640 --> 00:30:51.920
Like running or something like that.
00:30:52.319 --> 00:30:53.599
Did I live in alignment?
00:30:53.680 --> 00:30:56.960
And so I just that's part of the work that I'm doing with my coach, right?
00:30:57.119 --> 00:31:02.079
Executive coach and leadership work is I find success, right?
00:31:02.160 --> 00:31:03.839
And even just more tactical.
00:31:03.920 --> 00:31:07.680
I think about my children and I want them to be better off than I am.
00:31:07.759 --> 00:31:16.720
And I'm a huge proponent for entrepreneurial work and building a business that my kids, if they decided they wanted to do this type of work and carry it on, they could get in.
00:31:17.119 --> 00:31:27.119
Success for me means truly having clear goals and value systems and ensuring that my time and my capital aligns with that.
00:31:27.440 --> 00:31:27.759
Great.
00:31:27.839 --> 00:31:32.880
And then I noticed you mentioned there again um coach, and earlier you mentioned mentors.
00:31:33.039 --> 00:31:37.680
So it really goes back to how having a team, we really can do things alone.
00:31:37.759 --> 00:31:49.359
So having someone like you on the team, having a coach, um, various mentors based on what you're looking to do, and um, you know, having a tax professional and accountant, all of this is so important.
00:31:49.440 --> 00:31:50.720
It really helps a lot.
00:31:50.960 --> 00:32:01.519
And um, just before we end, I just wanted to see if there is one thing, just one thing you'd like to leave with um those listening to you now, what would that be?
00:32:01.839 --> 00:32:03.839
You're ready before you think you are.
00:32:04.079 --> 00:32:06.079
Due diligence is important, right?
00:32:06.319 --> 00:32:14.880
But the having a conversation with someone like me, financial planner, or taking the lead for entrepreneurship, you're often more ready than you think you are.
00:32:15.039 --> 00:32:22.720
But I cannot emphasize enough the value of a good plan in advance and getting clarity ahead of time to provide a level of confidence, right?
00:32:22.880 --> 00:32:26.559
I think, you know, again, a lot of my work instead of special needs planning.
00:32:26.720 --> 00:32:32.160
I think people try and get tactical far too early before they just go back to okay, what am I building?
00:32:32.240 --> 00:32:33.440
What am I looking to accomplish?
00:32:33.519 --> 00:32:34.799
What keeps me up at night, right?
00:32:34.880 --> 00:32:36.160
What are the stressors?
00:32:36.319 --> 00:32:42.880
And deploying and employing somebody like me or like you, that this is what we do.
00:32:42.960 --> 00:32:51.119
We have an expertise and experience in this to really help support it's far better use of your time and your capital so that you could be the hero of your own life.
00:32:51.200 --> 00:33:02.640
I mean, if you find the right professional and trusted team, executive coach, tax, estate, financial, right mentor, it should be driving you toward becoming the hero of your own life.
00:33:02.720 --> 00:33:03.519
And I really mean it.
00:33:03.599 --> 00:33:07.119
And it sounds tacky, but like that is our firm's motto.
00:33:07.359 --> 00:33:10.000
Is this decision helping you become the hero of your own life?
00:33:10.160 --> 00:33:10.480
Right?
00:33:10.640 --> 00:33:14.880
And if the answer is no and you're confident with that, that's cool, right?
00:33:15.200 --> 00:33:18.559
But I just think it's really important to have that objective and partial partnership.
00:33:18.880 --> 00:33:20.720
Okay, thank you so much.
00:33:20.880 --> 00:33:23.759
And what's the best way that our audience can reach you?
00:33:24.000 --> 00:33:25.599
Oh, I appreciate the ask.
00:33:25.680 --> 00:33:30.960
Uh, my LinkedIn, Christine Lemudie, L-I-M-U-T-I Clearita.
00:33:31.200 --> 00:33:39.200
I'll just assume that when you upload this, I would just have a direct link to my LinkedIn and then our website, the Atrium Financial Group.
00:33:39.359 --> 00:33:42.799
You can capture our website, my email.
00:33:43.359 --> 00:33:44.880
Glad to have time.
00:33:44.960 --> 00:33:48.400
They can certainly reach out to you if they're interested in having an introductory conversation.
00:33:48.559 --> 00:33:51.680
I always find joy in meeting other people and hearing their stories too.
00:33:51.839 --> 00:33:58.400
I'm a curator or collector of stories, and I find myself I'm very fortunate to have that.
00:33:58.720 --> 00:33:59.920
Okay, thank you so much.
00:34:00.000 --> 00:34:02.480
And yes, I will definitely add that to the show notes.
00:34:02.640 --> 00:34:08.480
Thanks so much for taking the time to be with us and sh for sharing so much valuable information with us today.
00:34:08.639 --> 00:34:09.440
Have a good day.
00:34:10.079 --> 00:34:10.960
You too.
00:34:11.679 --> 00:34:18.400
A quick note before we wrap up the insights and experiences shared by our guests are their own.
00:34:18.800 --> 00:34:26.559
We love creating space for real conversations about business and growth, and everyone's journey is unique.
00:34:27.440 --> 00:34:33.920
Therefore, this podcast is for informational and inspirational purposes only.
00:34:34.400 --> 00:34:40.719
It is not meant to replace legal, financial, or other professional advice.
00:34:41.280 --> 00:34:50.000
So we encourage you to take what's useful, do your own due diligence and build what works best for you.
00:34:50.719 --> 00:34:54.480
Thanks for listening to begin build blossom your business journey.
00:34:54.719 --> 00:35:01.760
We hope today's conversation gave you the insights and inspiration you need to move forward on your own path.
00:35:02.000 --> 00:35:07.599
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00:35:07.760 --> 00:35:09.119
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00:35:09.280 --> 00:35:15.280
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00:35:15.519 --> 00:35:18.480
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