Podcast
Business Insights
Hosted by Seth Greene · EN
Tune into Business Insights: Stand Out & Supercharge Your Assets, the premier podcast for financial advisors in growth mode who serve high net worth clients. If you work with clients who own appreciated capital assets and are looking to sell without incurring capital gains taxes, this show is for you. Each episode features insights and strategies from top financial advisors, experienced lawyers, and knowledgeable CPAs. Learn practical solutions to help your clients maximize their wealth while minimizing taxes, and discover how to grow your assets under management. Join us on Business Insights and empower your advisory practice with the knowledge to succeed.
35episodes
Episodes
Newest firstAll episodes
Bonus: Advanced Estate Planning for High Net Worth Families
2w ago00:37:01Tap to summarizeEstate planning isn’t just legal—it’s strategic, personal, and often misunderstood.Natalie Smith, attorney at Sussman Shank LLP, specializes in advanced estate, trust, and tax planning for families, business owners, and advisors. With an LLM and deep experience at the intersection of tax law and real-world decision-making, she helps clients align wealth, values, and long-term intent.In this episode, Natalie breaks down what “advanced” estate planning actually means, where high net worth families and business owners make costly mistakes, and how early coordination with advisors can dramatically improve outcomes. The conversation highlights practical strategies around trusts, gifting, tax mitigation, and family dynamics—while emphasizing that clarity, communication, and timing are what truly drive effective planning.Key Takeaways:● Know your assets: A complete, organized asset list is critical to ensure your estate plan actually works as intended.● Titling matters: Even the best trust structure fails if assets aren’t properly aligned and funded.● Plan before liquidity events: Early coordination helps avoid major tax consequences during sales or exits.● Family dynamics drive strategy: Effective planning must account for relationships, roles, and communication.● Start earlier than you think: Estate planning is most effective when treated as an ongoing, proactive process.Connect with Natalie:Website: https://www.sussmanshank.com/people/natalie-e-smith-ll-m/LinkedIn: https://www.linkedin.com/in/natalieelizabethsmith/With Your Guest Host Seth Krussman:Seth Krussman is a seasoned financial advisor and partner at Brayshaw Financial Group, LLC, with over 30 years of experience in entrepreneurship, business development, and wealth management. A Registered Representative and Investment Advisor Representative with Osaic Wealth, Inc., Seth specializes in tax-efficient investment strategies, executive compensation, and succession planning for high-net-worth clients. Based in Hillsboro, Oregon, he is also the nationally recognized co-host of the radio show Money On Tap and an active community leader, husband, and father.Connect with Seth:Website: https://www.brayshawfinancial.com/Podcast: https://www.brayshawfinancial.com/money-on-tapFacebook: https://www.facebook.com/3Dinvesting/X: https://x.com/BFG_LLC/
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Bonus: Senior Real Estate Specialist on Trust & Downsizing
Apr 2900:29:47Tap to summarizeHelping seniors navigate one of life’s biggest transitions requires trust, empathy, and a true relationship-first approach.Leroy Nashke, real estate agent with Silver Shores Realty and a Senior Real Estate Specialist, shares how he helps 55+ clients downsize, transition, and make confident decisions. He discusses building trust, coordinating services, avoiding costly mistakes, and why personal service and integrity separate advisors from transactional agents.Key Takeaways:● Relationship-first real estate: Building trust and personal connections leads to better outcomes and stronger referral-driven growth.● Serving the 55+ market: Senior transitions require empathy, coordination, and guidance beyond a typical real estate transaction.● Acting as a trusted advisor: Providing honest advice, even when it slows a deal, builds long-term credibility and client confidence.● Negotiation and teamwork matter: Collaborating with agents and managing expectations helps deals stay together.● Specialization creates differentiation: Focusing on senior downsizing and transitions helps stand out in a crowded real estate market.Connect with Leroy:Website: https://www.silvershoresrealty.comConnect with Mike Agol:Website: https://www.ridgecapitalmanagement.com/
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Bonus: IRS Insider on Fixing Back Taxes
Apr 200:33:13Tap to summarizeWhat really happens when you owe the IRS—and how much of it is actually fixable?In this episode of Sterling Insights, Tracy McCary sits down with Michael Raanan, Enrolled Agent and President of Landmark Tax Group. Together, they explore IRS back taxes and tax resolution, sharing valuable insights and practical tips for listeners. Michael draws from his experience as a former IRS revenue officer to discuss how tax debt is calculated, resolved, and sometimes reduced, offering actionable advice for individuals and business owners dealing with IRS issues. This episode is a must-listen for taxpayers, advisors, and anyone concerned about IRS debt, providing both knowledge and tools to navigate this important subject. Key Takeaways:● Not All Tax Debt Is Accurate: Many IRS balances are overstated due to substitute returns—fixing filings can significantly reduce what’s owed.● Cause, Cure, Compliance Framework: Understanding why the debt happened, how to resolve it, and how to stay compliant is key to long-term success.● Multiple Resolution Options Exist: Payment plans, hardship status, and offers in compromise depend on financial analysis—not negotiation.● IRS Mistakes Happen: Even large payments can be misapplied, leading to major penalties and long disputes.● Beware of Tax Relief Scams: Many firms overpromise “pennies on the dollar” but fail to deliver real results.Quotes from Michael Raanan:● “It’s not that big of a deal when you owe back taxes—you just have to address it.”● “The IRS is very black and white. It’s about what you qualify for, not negotiation.”● “We hear it all the time—‘they didn’t do anything for me’—that’s the reality with a lot of these tax relief firms.”Understanding how the IRS actually works—and what options truly exist—can turn a stressful tax problem into a manageable plan forward.Connect with Michael:Website: https://landmarktaxgroup.com/
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Bonus: Strategic Tax Planning for Entrepreneurs
Mar 2600:29:18Tap to summarizeWhat if your CPA could do far more than file taxes—and actually help you build wealth, avoid costly mistakes, and align your finances with your life goals?In this episode of Sterling Insights, Mike Agol sits down with Jon Czerwinski, CPA and Managing Partner, a strategic tax advisor specializing in entrepreneurs, investors, and high-growth businesses. Together, they explore the evolving role of CPAs as strategic partners in business growth, sharing valuable insights and practical tips for listeners. Jon draws from his extensive experience to discuss common misconceptions about CPAs, the importance of proactive tax planning, and how business owners can better align their financial strategies with long-term goals, offering actionable advice for entrepreneurs, business owners, and high-income professionals. This episode is a must-listen for anyone looking to move beyond basic tax preparation and leverage financial strategy for growth, providing both knowledge and tools to navigate this important subject.Key Takeaways:● CPAs Are Strategic Advisors—Not Just Tax Preparers:Many people misunderstand the role of a CPA. The real value lies in strategic planning, not just filling out forms.● Annual Tax Planning Is the Minimum Standard:Business owners should meet with their CPA at least once a year—ideally before year-end—to proactively reduce tax liability and adjust strategy.● Your Tax Plan Must Align With Your Life Goals:Whether your goal is lifestyle, monetization, or legacy, your financial strategy should reflect and support that vision.● Ideal Clients Are Growth-Oriented and Engaged:Entrepreneurs, strategic investors, side hustlers, and startups benefit most when they actively engage in the planning process.● AI Is an Opportunity—Not a Replacement:While AI can enhance efficiency, it cannot replace the strategic insight and personalized guidance of a skilled CPA.Quotes from Jon Czerwinski:● “If the only thing your CPA does is fill out a form, you don’t have a CPA.”● “You hire a CPA for what’s between their ears—not the tax return they produce.”● “Your life goals and your tax plan have to be in sync—otherwise, you’re working against yourself.”The most successful business owners don’t treat their CPA as a once-a-year necessity—they treat them as a year-round strategic partner who helps guide smarter decisions, minimize risk, and maximize long-term success.Connect with Jon:Website - https://www.jccpas.com/Instagram - https://instagram.com/jccpas/LinkedIn - https://linkedin.com/company/jccpas/about/Facebook - https://www.facebook.com/profile.php?id=61561069991961
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Bonus: Tax Planning Strategies for Business Owners
Mar 1800:20:26Tap to summarizeAre you leaving money on the table because of poor tax planning — or worse, setting yourself up for an unexpected Medicare or IRS surprise?In this episode of Sterling Insights, Tracy McCary sits down with Dana Lashbaugh, CPA and Owner of The CPA Group, a tax strategist specializing in business owners earning between $2M–$20M in revenue. Together, they explore proactive tax planning for business owners and retirees, sharing valuable insights and practical strategies that go far beyond basic tax preparation. Dana draws from his extensive experience in public accounting and as a former controller to discuss Roth conversions, IRMAA planning, 1099 estimated tax mistakes, succession planning, and smart exit strategies—offering actionable advice for business owners, independent contractors, and retirees.This episode is a must-listen for entrepreneurs, construction and restaurant owners, and high-income professionals who want to reduce taxes, avoid costly surprises, and build a smarter long-term financial strategy.Key Takeaways:● Proactive Tax Planning Beats Reactive Tax Filing: Tax preparation is compliance — tax planning is strategy. Business owners who plan ahead can significantly reduce lifetime tax liability.● Roth Conversions & IRMAA Awareness Matter in Retirement: Strategic Roth conversions can reduce required minimum distributions (RMDs) and prevent costly Medicare premium increases tied to income thresholds.● 1099 Income Requires Quarterly Payments: Independent contractors must make estimated tax payments to avoid penalties and painful April surprises.● Exit & Succession Planning Has Major Tax Implications: Selling, expanding, or transitioning a business requires careful asset allocation and coordination with advisors to minimize tax impact.● Staffing Is the Biggest Challenge in Accounting Today: With hundreds of thousands of CPAs exiting the profession, access to responsive, relationship-driven advisory services is becoming increasingly valuable.Quotes from Dana Lashbaugh:● “We’re not just preparing tax returns — we’re helping clients plan where they’re going.”● “There’s really no such thing as a quick tax question — because the right answer depends on the details.”● “The pain is a lot easier quarterly than getting one big surprise bill on April 15th.”Smart tax planning isn’t about being aggressive — it’s about being intentional. The earlier business owners and retirees plan, the more control they maintain over taxes, cash flow, and long-term wealth.
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Episode 50: Tax-Efficient Strategies for Concentrated Stock & Roth Conversions
Mar 1100:26:30Tap to summarizeHow do high-net-worth investors reduce concentrated stock risk and taxes—without blowing up their long-term plan?In this episode of Sterling Insights, Roger sits down with Gary Pattengale, CFP®, CPA, Senior Vice President and Advanced Planning Specialist at Mesirow Wealth Management. Together, they explore tax-efficient strategies for managing concentrated stock positions, Roth conversions, and holistic wealth planning for high-net-worth families. Gary draws from over 25 years of experience to discuss concentration risk, tax-aware diversification strategies, and advanced planning techniques, offering actionable advice for investors, executives, and advisors navigating complex financial decisions. This episode is a must-listen for high-net-worth individuals and financial professionals seeking smarter, more integrated planning strategies.Key Takeaways:● Concentration Risk Starts Around 10%: While 10% in a single stock is a common rule of thumb, true risk tolerance depends on age, goals, income sources, and overall net worth.● Create a Rules-Based Liquidation Strategy: Removing emotion from selling appreciated stock by setting pre-defined triggers can help investors diversify systematically and tax-efficiently.● Roth Conversions Require Careful Modeling: Conversions can increase lifetime wealth—but hidden “tax torpedoes” like Social Security taxation, capital gains brackets, and Medicare premiums must be considered.● Integrate Tax, Estate, and Investment Planning: The most effective strategies align tax efficiency, legacy intent, and portfolio design into one coordinated plan.● Advanced Tools Improve Planning Outcomes: Modern tax and financial planning software allows advisors to model “what-if” scenarios efficiently, enabling dynamic, data-driven decisions.Quotes from Gary Pattengale:● “Taxes are important—but first we assess the concentration risk. What happens if that stock drops 40 to 60%?”● “Once the rule is triggered, we execute. It takes the emotion out of it.”● “Roth conversions aren’t for everybody. You really have to analyze the full tax impact before you act.”True wealth management isn’t about chasing returns—it’s about integrating tax strategy, risk management, and long-term planning into one cohesive approach that protects and grows wealth across generations.Connect with Gary:Website: https://www.mesirow.com/homeLinkedIn: https://www.linkedin.com/in/gary-pattengale-cfp%C2%AE-3806b822/Connect with Roger:Website: https://www.sterlingfoundations.comFacebook: https://www.facebook.com/sterlingfoundations/Twitter: https://x.com/SterlingFndMgt?mx=2LinkedIn: https://www.linkedin.com/company/sterling-foundation-management-llc/ Learn more about your ad choices. Visit megaphone.fm/adchoices
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Bonus: League City Insurance Agency Home Auto Life Umbrella Farmers Insurance
Mar 500:15:36Tap to summarizeIn this episode of Sterling Insights, Mike Agol sits down with Angie Smith, Agency Owner at Farmers Insurance and full-service risk protection specialist. Together, they explore how to properly protect your assets, family, and legacy through strategic insurance planning, sharing valuable insights and practical tips for listeners. Angie draws from her extensive experience to discuss common coverage gaps, umbrella policies, lawsuits, and misconceptions about “cheap” insurance, offering actionable advice for homeowners, business owners, and high-net-worth families. This episode is a must-listen for anyone building wealth who wants to make sure it’s properly protected, providing both knowledge and tools to navigate this critical subject. Key Takeaways: ● Value Over Price: The cheapest policy is rarely the best policy. Proper coverage protects everything you’ve worked hard to build. ● Umbrella Policies Matter: An umbrella policy is one of the most affordable ways to shield assets from major lawsuits and liability claims. ● Coverage Gaps Are Common: Jewelry, small business exposures, and liability risks are often underinsured or misunderstood. ● Advisors Should Collaborate: Insurance and financial advisors must work together to fully protect a client’s portfolio. ● Insurance Is Personal: True service goes beyond policies — it means showing up during freezes, hurricanes, and life’s toughest moments. Quotes from Angie Smith: ● “On a bad day, I want to make sure what you’ve built is still protected.” ● “An umbrella policy is the cheapest attorney you’ll ever have protecting your assets.” ● “We don’t just sell a policy — we sell value and proper protection.” Building wealth is only half the equation — protecting it is what secures your legacy. Learn more about your ad choices. Visit megaphone.fm/adchoices
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Bonus: League City Insurance Agency Home Auto Life Umbrella Farmers Insurance
Mar 500:16:16Tap to summarizeIn this episode of Sterling Insights, Mike Agol sits down with Angie Smith, Agency Owner at Farmers Insurance and full-service risk protection specialist. Together, they explore how to properly protect your assets, family, and legacy through strategic insurance planning, sharing valuable insights and practical tips for listeners. Angie draws from her extensive experience to discuss common coverage gaps, umbrella policies, lawsuits, and misconceptions about “cheap” insurance, offering actionable advice for homeowners, business owners, and high-net-worth families. This episode is a must-listen for anyone building wealth who wants to make sure it’s properly protected, providing both knowledge and tools to navigate this critical subject. Key Takeaways: ● Value Over Price: The cheapest policy is rarely the best policy. Proper coverage protects everything you’ve worked hard to build. ● Umbrella Policies Matter: An umbrella policy is one of the most affordable ways to shield assets from major lawsuits and liability claims. ● Coverage Gaps Are Common: Jewelry, small business exposures, and liability risks are often underinsured or misunderstood. ● Advisors Should Collaborate: Insurance and financial advisors must work together to fully protect a client’s portfolio. ● Insurance Is Personal: True service goes beyond policies — it means showing up during freezes, hurricanes, and life’s toughest moments. Quotes from Angie Smith: ● “On a bad day, I want to make sure what you’ve built is still protected.” ● “An umbrella policy is the cheapest attorney you’ll ever have protecting your assets.” ● “We don’t just sell a policy — we sell value and proper protection.” Building wealth is only half the equation — protecting it is what secures your legacy. Learn more about your ad choices. Visit megaphone.fm/adchoices
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Fan Fav: Centered Leadership in Wealth Management
Feb 2500:24:40Tap to summarizeHow do you build a client-first financial firm from the ground up—and keep it human at scale?In this episode of Sterling Insights, Roger sits down with Susie Cranston, President and COO of Crescent, a $65+ billion multifamily office and private investment firm. Together, they explore what it takes to deliver deeply personalized wealth management at scale, sharing valuable insights and practical tips for leaders, founders, and families navigating complex financial landscapes. Susie draws from decades of experience at McKinsey, First Republic, and now Crescent to discuss the power of culture, the evolution of client expectations, and how RIAs are reshaping wealth advisory. This episode is a must-listen for ultra-high-net-worth families, founders approaching liquidity, and professionals building modern client-first financial firms, providing both knowledge and tools to navigate this important subject. Key Takeaways:● 💼 Client-First DNA: Crescent’s model was literally built by clients, for clients, offering flexibility that traditional banks can’t match.● 🏛️ RIAs vs. Banks: Regulatory constraints limit the services banks can provide—RIAs like Crescent offer broader, deeper support in tax and private investing.● 🔍 Fit Over Size: Crescent’s ideal client isn’t just about net worth—it’s about mindset and the desire for holistic, customizable support.● 🧑🤝🧑 Team Culture Drives Client Success: Exceptional service starts with exceptional culture—Crescent prioritizes servant leaders and long interview processes to build elite teams.● 📈 Scale Matters—for the Right Reasons: Being “industrial-grade” at $50B+ AUM allows for better infrastructure, tech, and access—without losing the boutique client feel. Quotes from Susie Cranston:● “Our origin story is unique—we were built by clients, for clients.”● “You can’t outsource culture. It’s the best predictor of organizational success.”● “We aim to be the co-pilot in a family's financial life—scaling with them across the journey.” 🔗 Crescent offers what most firms can’t: customized service backed by enterprise-level infrastructure. Learn more at crescentcapital.com and tune into this episode to see what the future of wealth management looks like. Learn more about your ad choices. Visit megaphone.fm/adchoices
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Fan Fav: Centered Leadership in Wealth Management
Feb 2500:25:20Tap to summarizeHow do you build a client-first financial firm from the ground up—and keep it human at scale?In this episode of Sterling Insights, Roger sits down with Susie Cranston, President and COO of Crescent, a $65+ billion multifamily office and private investment firm. Together, they explore what it takes to deliver deeply personalized wealth management at scale, sharing valuable insights and practical tips for leaders, founders, and families navigating complex financial landscapes. Susie draws from decades of experience at McKinsey, First Republic, and now Crescent to discuss the power of culture, the evolution of client expectations, and how RIAs are reshaping wealth advisory. This episode is a must-listen for ultra-high-net-worth families, founders approaching liquidity, and professionals building modern client-first financial firms, providing both knowledge and tools to navigate this important subject. Key Takeaways:● 💼 Client-First DNA: Crescent’s model was literally built by clients, for clients, offering flexibility that traditional banks can’t match.● 🏛️ RIAs vs. Banks: Regulatory constraints limit the services banks can provide—RIAs like Crescent offer broader, deeper support in tax and private investing.● 🔍 Fit Over Size: Crescent’s ideal client isn’t just about net worth—it’s about mindset and the desire for holistic, customizable support.● 🧑🤝🧑 Team Culture Drives Client Success: Exceptional service starts with exceptional culture—Crescent prioritizes servant leaders and long interview processes to build elite teams.● 📈 Scale Matters—for the Right Reasons: Being “industrial-grade” at $50B+ AUM allows for better infrastructure, tech, and access—without losing the boutique client feel. Quotes from Susie Cranston:● “Our origin story is unique—we were built by clients, for clients.”● “You can’t outsource culture. It’s the best predictor of organizational success.”● “We aim to be the co-pilot in a family's financial life—scaling with them across the journey.” 🔗 Crescent offers what most firms can’t: customized service backed by enterprise-level infrastructure. Learn more at crescentcapital.com and tune into this episode to see what the future of wealth management looks like. Learn more about your ad choices. Visit megaphone.fm/adchoices
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