Time to bring back a word you probably don't use enough in your business: quotas. In this solo episode, Bradley breaks down why setting specific, measurable, time-bound performance goals for your team isn't just a sales concept—it's a clarity tool that transforms how you coach, manage, and drive results across your entire organization.

"How did your sales team perform as a percent to quota in January? If they had to sell 50 widgets and they sold 55, they were over 100% to quota."

Setting defined timeframes and defined outcomes creates the foundation for effective coaching and accountability. When your team knows exactly what's expected, you can coach them toward specific targets instead of vague goals like "do more."

Visit BlueprintOS.com to learn about the 2026 Above The Business Workshops, our coaching programs, and resources designed specifically for small business owners who want to build systematic, scalable operations that don't require your constant presence.

Thanks to our sponsors...

Coach P found great success as an insurance agent and agency owner. He leads a large, stable team of professionals who are at the top of their game year after year. Now he shares the systems, processes, delegation, and specialization he developed along the way. Gain access to weekly training calls and mentoring at www.coachpconsulting.com. Be sure to mention the Above The Business Podcast when you get in touch.

Autopilot Recruiting helps small business owners solve their staffing challenges by taking the stress out of hiring. Their dedicated recruiters work on your behalf every single business day - optimizing your applicant tracking system, posting job listings, and sourcing candidates through social media and local communities. With their continuous, hands-off recruiting approach, you can save time, reduce hiring costs, and receive pre-screened candidates, all without paying any hiring fees or commissions. More money & more freedom: that’s what Autopilot Recruiting help business owners achieve. Visit https://www.autopilotrecruiting.com/ and don't forget to mention you heard about us on the Above The Business podcast.

Direct Clicks is built is by business owners, for business owners. They specialize in custom marketing solutions that deliver real results. From paid search campaigns to SEO and social media management, they provide the comprehensive digital marketing your business needs to grow. Here’s an exclusive offer for Above The Business listeners: Visit directclicksinc.com/abovethebusiness for a FREE marketing campaign audit. They’ll assess your website, social media, SEO, content, and paid advertising, then provide actionable recommendations. Plus, when you choose to partner with them, they’ll waive all setup fees.

About Above The Business:

Above The Business is hosted by Bradley Hamner, founder of BlueprintOS, and focuses on helping small business owners transition from Rainmaker to Architect. Each week, Bradley shares frameworks, interviews successful entrepreneurs, and provides actionable insights for building businesses that run without you. Whether you're doing $300K or $3M in revenue, this show will help you get above your business and design the systems you need to scale.

"My best learning opportunities were the ones where I've ultimately failed or made huge mistakes. I basically got an MBA in acquisitions in that deal." - Cameron Bishop

What if you could see your business through the eyes of someone who's completed over 100 acquisitions? In this episode, Bradley sits down with investment banker Cameron Bishop to explore the mind of an acquirer and how thinking like an investor can transform your business—whether you're planning to sell tomorrow or a decade from now.

Cameron shares hard-won lessons from his journey from advertising copywriter to CEO of a $400 million company, and now as a managing director helping business owners navigate successful exits. You'll discover why the strategies that make a business attractive to buyers also make it a better business to own and operate.

Rain Catcher

• Website: raincatcher.com
• Email: [email protected].
• Connect with Cameron on LinkedIn.
• Free consultations available (no cost, no obligation, no sales pitch).

Visit BlueprintOS.com to learn about the 2026 Above The Business Workshops, our coaching programs, and resources designed specifically for small business owners who want to build systematic, scalable operations that don't require your constant presence.

Thanks to our sponsors...

Coach P found great success as an insurance agent and agency owner. He leads a large, stable team of professionals who are at the top of their game year after year. Now he shares the systems, processes, delegation, and specialization he developed along the way. Gain access to weekly training calls and mentoring at www.coachpconsulting.com. Be sure to mention the Above The Business Podcast when you get in touch.

Autopilot Recruiting helps small business owners solve their staffing challenges by taking the stress out of hiring. Their dedicated recruiters work on your behalf every single business day - optimizing your applicant tracking system, posting job listings, and sourcing candidates through social media and local communities. With their continuous, hands-off recruiting approach, you can save time, reduce hiring costs, and receive pre-screened candidates, all without paying any hiring fees or commissions. More money & more freedom: that’s what Autopilot Recruiting help business owners achieve. Visit https://www.autopilotrecruiting.com/ and don't forget to mention you heard about us on the Above The Business podcast.

Direct Clicks is built is by business owners, for business owners. They specialize in custom marketing solutions that deliver real results. From paid search campaigns to SEO and social media management, they provide the comprehensive digital marketing your business needs to grow. Here’s an exclusive offer for Above The Business listeners: Visit directclicksinc.com/abovethebusiness for a FREE marketing campaign audit. They’ll assess your website, social media, SEO, content, and paid advertising, then provide actionable recommendations. Plus, when you choose to partner with them, they’ll waive all setup fees.

About Above The Business:

Above The Business is hosted by Bradley Hamner, founder of BlueprintOS, and focuses on helping small business owners transition from Rainmaker to Architect. Each week, Bradley shares frameworks, interviews successful entrepreneurs, and provides actionable insights for building businesses that run without you. Whether you're doing $300K or $3M in revenue, this show will help you get above your business and design the systems you need to scale.

Are you tired of feeling like you're living the same business year over and over again? In this episode, Bradley Hamner tackles the frustration many business owners feel when December rolls around and they're going through the same annual planning motions—setting objectives, hosting kickoffs, and wondering if anything will really change this time.

Drawing inspiration from the classic movie Groundhog Day, Bradley explores the delicate balance between maintaining what works in your business while evolving to stay ahead of the curve. He challenges the common trap of either being an "arsonist" who burns down everything that's working or getting stuck in comfortable routines that no longer serve your growth.

Key Question: How do you gain 20 years of real experience instead of repeating the same year 20 times?

Visit BlueprintOS.com to learn about the 2026 Above The Business Workshops, our coaching programs, and resources designed specifically for small business owners who want to build systematic, scalable operations that don't require your constant presence.

Thanks to our sponsors...

Coach P found great success as an insurance agent and agency owner. He leads a large, stable team of professionals who are at the top of their game year after year. Now he shares the systems, processes, delegation, and specialization he developed along the way. Gain access to weekly training calls and mentoring at www.coachpconsulting.com. Be sure to mention the Above The Business Podcast when you get in touch.

Autopilot Recruiting helps small business owners solve their staffing challenges by taking the stress out of hiring. Their dedicated recruiters work on your behalf every single business day - optimizing your applicant tracking system, posting job listings, and sourcing candidates through social media and local communities. With their continuous, hands-off recruiting approach, you can save time, reduce hiring costs, and receive pre-screened candidates, all without paying any hiring fees or commissions. More money & more freedom: that’s what Autopilot Recruiting help business owners achieve. Visit https://www.autopilotrecruiting.com/ and don't forget to mention you heard about us on the Above The Business podcast.

Direct Clicks is built is by business owners, for business owners. They specialize in custom marketing solutions that deliver real results. From paid search campaigns to SEO and social media management, they provide the comprehensive digital marketing your business needs to grow. Here’s an exclusive offer for Above The Business listeners: Visit directclicksinc.com/abovethebusiness for a FREE marketing campaign audit. They’ll assess your website, social media, SEO, content, and paid advertising, then provide actionable recommendations. Plus, when you choose to partner with them, they’ll waive all setup fees.

About Above The Business:

Above The Business is hosted by Bradley Hamner, founder of BlueprintOS, and focuses on helping small business owners transition from Rainmaker to Architect. Each week, Bradley shares frameworks, interviews successful entrepreneurs, and provides actionable insights for building businesses that run without you. Whether you're doing $300K or $3M in revenue, this show will help you get above your business and design the systems you need to scale.

What does it actually look like to build a business you can run for the long haul—without burning out? In this episode, Bradley sits down with Chris Ducker, leadership speaker, serial entrepreneur, and bestselling author of The Long-Haul Leader, Rise of the Youpreneur, and Virtual Freedom.

Chris shares his personal journey through two burnout experiences—including a 2021 diagnosis of phase three adrenal failure that forced him to completely rethink how he approached business and leadership. He reveals the lifestyle changes, mindset shifts, and practical strategies that helped him recover and build sustainable success.

This conversation digs into the difference between hustle as a season versus hustle as a lifestyle, why "busy" is a trap, and how to design your business around the life you want rather than the other way around.

Visit BlueprintOS.com to learn about the 2026 Above The Business Workshops, our coaching programs, and resources designed specifically for small business owners who want to build systematic, scalable operations that don't require your constant presence.

Thanks to our sponsors...

Coach P found great success as an insurance agent and agency owner. He leads a large, stable team of professionals who are at the top of their game year after year. Now he shares the systems, processes, delegation, and specialization he developed along the way. Gain access to weekly training calls and mentoring at www.coachpconsulting.com. Be sure to mention the Above The Business Podcast when you get in touch.

Autopilot Recruiting helps small business owners solve their staffing challenges by taking the stress out of hiring. Their dedicated recruiters work on your behalf every single business day - optimizing your applicant tracking system, posting job listings, and sourcing candidates through social media and local communities. With their continuous, hands-off recruiting approach, you can save time, reduce hiring costs, and receive pre-screened candidates, all without paying any hiring fees or commissions. More money & more freedom: that’s what Autopilot Recruiting help business owners achieve. Visit https://www.autopilotrecruiting.com/ and don't forget to mention you heard about us on the Above The Business podcast.

Direct Clicks is built is by business owners, for business owners. They specialize in custom marketing solutions that deliver real results. From paid search campaigns to SEO and social media management, they provide the comprehensive digital marketing your business needs to grow. Here’s an exclusive offer for Above The Business listeners: Visit directclicksinc.com/abovethebusiness for a FREE marketing campaign audit. They’ll assess your website, social media, SEO, content, and paid advertising, then provide actionable recommendations. Plus, when you choose to partner with them, they’ll waive all setup fees.

About Above The Business:

Above The Business is hosted by Bradley Hamner, founder of BlueprintOS, and focuses on helping small business owners transition from Rainmaker to Architect. Each week, Bradley shares frameworks, interviews successful entrepreneurs, and provides actionable insights for building businesses that run without you. Whether you're doing $300K or $3M in revenue, this show will help you get above your business and design the systems you need to scale.

Have you seen what Curt Cignetti has done at Indiana? In just his second year, he's taken one of college football's historically worst programs to the number one ranking in the country. But here's what matters for business owners: he didn't figure it out alone.

In this episode, Bradley breaks down the Curt Cignetti story and the four critical lessons every business owner needs to understand about following a proven blueprint versus trying to figure everything out yourself.

Visit BlueprintOS.com to learn about the 2026 Above The Business Workshops, our coaching programs, and resources designed specifically for small business owners who want to build systematic, scalable operations that don't require your constant presence.

Thanks to our sponsors...

Coach P found great success as an insurance agent and agency owner. He leads a large, stable team of professionals who are at the top of their game year after year. Now he shares the systems, processes, delegation, and specialization he developed along the way. Gain access to weekly training calls and mentoring at www.coachpconsulting.com. Be sure to mention the Above The Business Podcast when you get in touch.

Autopilot Recruiting helps small business owners solve their staffing challenges by taking the stress out of hiring. Their dedicated recruiters work on your behalf every single business day - optimizing your applicant tracking system, posting job listings, and sourcing candidates through social media and local communities. With their continuous, hands-off recruiting approach, you can save time, reduce hiring costs, and receive pre-screened candidates, all without paying any hiring fees or commissions. More money & more freedom: that’s what Autopilot Recruiting help business owners achieve. Visit https://www.autopilotrecruiting.com/ and don't forget to mention you heard about us on the Above The Business podcast.

Direct Clicks is built is by business owners, for business owners. They specialize in custom marketing solutions that deliver real results. From paid search campaigns to SEO and social media management, they provide the comprehensive digital marketing your business needs to grow. Here’s an exclusive offer for Above The Business listeners: Visit directclicksinc.com/abovethebusiness for a FREE marketing campaign audit. They’ll assess your website, social media, SEO, content, and paid advertising, then provide actionable recommendations. Plus, when you choose to partner with them, they’ll waive all setup fees.

About Above The Business:

Above The Business is hosted by Bradley Hamner, founder of BlueprintOS, and focuses on helping small business owners transition from Rainmaker to Architect. Each week, Bradley shares frameworks, interviews successful entrepreneurs, and provides actionable insights for building businesses that run without you. Whether you're doing $300K or $3M in revenue, this show will help you get above your business and design the systems you need to scale.

What if you treated your team with the same care and attention that Four Seasons gives its guests? In this episode, Bradley sits down with Melissa Fackler, small business coach at OneTeam Partners, to explore how hospitality principles can transform your company culture and customer experience.

Melissa spent a decade in the hospitality industry working in hotels, banquets, venues, and country music entertainment before transitioning to business coaching in 2021. She shares the specific tactics and mindset shifts that helped her create world-class guest experiences and how business owners can deploy those same strategies internally with their teams.

From eye contact and name recall to growth mindset coaching and behavioral assessments, this conversation gives you practical tools to make everyone in your business feel truly seen and valued.

Ready to create more margin in your business?

Visit BlueprintOS.com to learn about the 2026 Above The Business Workshops, our coaching programs, and resources designed specifically for small business owners who want to build systematic, scalable operations that don't require your constant presence.

Thanks to our sponsors...

Coach P found great success as an insurance agent and agency owner. He leads a large, stable team of professionals who are at the top of their game year after year. Now he shares the systems, processes, delegation, and specialization he developed along the way. Gain access to weekly training calls and mentoring at www.coachpconsulting.com. Be sure to mention the Above The Business Podcast when you get in touch.

Autopilot Recruiting helps small business owners solve their staffing challenges by taking the stress out of hiring. Their dedicated recruiters work on your behalf every single business day - optimizing your applicant tracking system, posting job listings, and sourcing candidates through social media and local communities. With their continuous, hands-off recruiting approach, you can save time, reduce hiring costs, and receive pre-screened candidates, all without paying any hiring fees or commissions. More money & more freedom: that’s what Autopilot Recruiting help business owners achieve. Visit https://www.autopilotrecruiting.com/ and don't forget to mention you heard about us on the Above The Business podcast.

Direct Clicks is built is by business owners, for business owners. They specialize in custom marketing solutions that deliver real results. From paid search campaigns to SEO and social media management, they provide the comprehensive digital marketing your business needs to grow. Here’s an exclusive offer for Above The Business listeners: Visit directclicksinc.com/abovethebusiness for a FREE marketing campaign audit. They’ll assess your website, social media, SEO, content, and paid advertising, then provide actionable recommendations. Plus, when you choose to partner with them, they’ll waive all setup fees.

About Above The Business:

Above The Business is hosted by Bradley Hamner, founder of BlueprintOS, and focuses on helping small business owners transition from Rainmaker to Architect. Each week, Bradley shares frameworks, interviews successful entrepreneurs, and provides actionable insights for building businesses that run without you. Whether you're doing $300K or $3M in revenue, this show will help you get above your business and design the systems you need to scale.

In this episode, Bradley introduces his Word of the Year for 2026: Margin. Drawing on wisdom from his mentor and coach Sean Blanc, Bradley explores margin as "the difference between your load and your limit" and how this framework can transform the way business owners approach stress, overwhelm, and burnout. Whether you're struggling with time constraints, financial pressure, or emotional exhaustion, this episode offers a practical two-lever approach to creating more breathing room in your life and business.

Ready to create more margin in your business?

Visit BlueprintOS.com to learn about the 2026 Above The Business Workshops, our coaching programs, and resources designed specifically for small business owners who want to build systematic, scalable operations that don't require your constant presence.

Thanks to our sponsors...

Coach P found great success as an insurance agent and agency owner. He leads a large, stable team of professionals who are at the top of their game year after year. Now he shares the systems, processes, delegation, and specialization he developed along the way. Gain access to weekly training calls and mentoring at www.coachpconsulting.com. Be sure to mention the Above The Business Podcast when you get in touch.

Autopilot Recruiting helps small business owners solve their staffing challenges by taking the stress out of hiring. Their dedicated recruiters work on your behalf every single business day - optimizing your applicant tracking system, posting job listings, and sourcing candidates through social media and local communities. With their continuous, hands-off recruiting approach, you can save time, reduce hiring costs, and receive pre-screened candidates, all without paying any hiring fees or commissions. More money & more freedom: that’s what Autopilot Recruiting help business owners achieve. Visit https://www.autopilotrecruiting.com/ and don't forget to mention you heard about us on the Above The Business podcast.

Direct Clicks is built is by business owners, for business owners. They specialize in custom marketing solutions that deliver real results. From paid search campaigns to SEO and social media management, they provide the comprehensive digital marketing your business needs to grow. Here’s an exclusive offer for Above The Business listeners: Visit directclicksinc.com/abovethebusiness for a FREE marketing campaign audit. They’ll assess your website, social media, SEO, content, and paid advertising, then provide actionable recommendations. Plus, when you choose to partner with them, they’ll waive all setup fees.

About Above The Business:

Above The Business is hosted by Bradley Hamner, founder of BlueprintOS, and focuses on helping small business owners transition from Rainmaker to Architect. Each week, Bradley shares frameworks, interviews successful entrepreneurs, and provides actionable insights for building businesses that run without you. Whether you're doing $300K or $3M in revenue, this show will help you get above your business and design the systems you need to scale.

In this episode, Micah Cannon returns to Above The Business to share the blueprint Club Capital followed to grow and scale their bookkeeping and financial advisory firm over the past decade. Rather than covering his origin story, this conversation focuses on the strategic decisions, systems, and frameworks that enabled Club Capital to achieve sustained success since their founding in 2015. From navigating the early startup years to building a leadership team and establishing disciplined operational rhythms, Micah reveals the key milestones and lessons learned along their growth journey.

Club Capital

Go to club.capital to book a no-obligation demo with the team and explore how they can help bring financials to your decision-making table with the right cadence and support.

Recommended Reading

The Effective Executive by Peter Drucker - Essential reading on conducting time studies and understanding where your time as a leader is actually being spent.

Coach P found great success as an insurance agent and agency owner. He leads a large, stable team of professionals who are at the top of their game year after year. Now he shares the systems, processes, delegation, and specialization he developed along the way. Gain access to weekly training calls and mentoring at www.coachpconsulting.com. Be sure to mention the Above The Business Podcast when you get in touch.

Autopilot Recruiting helps small business owners solve their staffing challenges by taking the stress out of hiring. Their dedicated recruiters work on your behalf every single business day - optimizing your applicant tracking system, posting job listings, and sourcing candidates through social media and local communities. With their continuous, hands-off recruiting approach, you can save time, reduce hiring costs, and receive pre-screened candidates, all without paying any hiring fees or commissions.

More money & more freedom: that’s what Autopilot Recruiting help business owners achieve. Visit https://www.autopilotrecruiting.com/ and don't forget to mention you heard about us on the Above The Business podcast.

Direct Clicks is built is by business owners, for business owners. They specialize in custom marketing solutions that deliver real results. From paid search campaigns to SEO and social media management, they provide the comprehensive digital marketing your business needs to grow. Here’s an exclusive offer for Above The Business listeners: Visit directclicksinc.com/abovethebusiness for a FREE marketing campaign audit. They’ll assess your website, social media, SEO, content, and paid advertising, then provide actionable recommendations. Plus, when you choose to partner with them, they’ll waive all setup fees.

Welcome to 2026! In this episode, Bradley shares a powerful insight from a recent breakfast conversation that will transform how you approach reading business books this year. The question isn't just "Have you read it?" — it's "Have you realized it?"

During a coffee meeting with an incredibly well-read business leader, Bradley heard a phrase he'd never forget. When discussing books they'd both read, his breakfast companion asked about The Fifth Discipline and whether leaders had actually "realized" the books on their shelves — not just read them.

Reading vs. Realizing

There's a massive difference between consuming content and implementing it. Bradley reflects on books he's read where he could share the big idea but couldn't articulate how those concepts actually changed his business or personal life. Compare that to books like The Road Less Stupid, which he references at least once a year and has profoundly impacted his decision-making.

Want to experience more transformational content like this? Join us for the 2026 Above The Business event series where we'll dive deep into the strategies, systems, and mindset shifts that help you move from Rainmaker to Architect.

Get above the daily grind and design a business that can run and grow without you.

Learn more at https://blueprintos.com

Coach P found great success as an insurance agent and agency owner. He leads a large, stable team of professionals who are at the top of their game year after year. Now he shares the systems, processes, delegation, and specialization he developed along the way. Gain access to weekly training calls and mentoring at www.coachpconsulting.com. Be sure to mention the Above The Business Podcast when you get in touch.

Autopilot Recruiting helps small business owners solve their staffing challenges by taking the stress out of hiring. Their dedicated recruiters work on your behalf every single business day - optimizing your applicant tracking system, posting job listings, and sourcing candidates through social media and local communities. With their continuous, hands-off recruiting approach, you can save time, reduce hiring costs, and receive pre-screened candidates, all without paying any hiring fees or commissions.

More money & more freedom: that’s what Autopilot Recruiting help business owners achieve. Visit https://www.autopilotrecruiting.com/ and don't forget to mention you heard about us on the Above The Business podcast.

Direct Clicks is built is by business owners, for business owners. They specialize in custom marketing solutions that deliver real results. From paid search campaigns to SEO and social media management, they provide the comprehensive digital marketing your business needs to grow. Here’s an exclusive offer for Above The Business listeners: Visit directclicksinc.com/abovethebusiness for a FREE marketing campaign audit. They’ll assess your website, social media, SEO, content, and paid advertising, then provide actionable recommendations. Plus, when you choose to partner with them, they’ll waive all setup fees.

Join Bradley Hamner for a special year-end compilation featuring the most impactful moments from 2025's highest-performing episodes. This episode brings together five powerful conversations with industry leaders who've cracked the code on remote teams, meaningful work, accountability systems, and hiring excellence.

Whether you're hearing these insights for the first time or revisiting wisdom that transformed your business, this Best of 2025 episode delivers actionable strategies to carry into 2026.

The Challenge: Hiring in high-cost markets like Cupertino (median income $200k+) and managing teams you can't see,

The Research: The Three C's Framework for employee engagement.

The Problem: How do you hold people accountable without destroying relationships?

The Solution: Make everything visible.

25 Years of Hiring Research Condensed

1. Visibility Creates Accountability - Whether it's remote teams or in-office staff, transparency eliminates difficult conversations.
2. Intentionality Beats Systems - One weekly thank you outperforms complex recognition programs.
3. People Are Assets, Not Expenses - This mindset shift changes everything from hiring to development to retention.
4. Specialization Drives Growth - Separating sales from service can double production.
5. Community Comes First - Before culture, before accountability, before growth—build real relationships.

Want to experience more transformational content like this? Join us for the 2026 Above The Business event series where we'll dive deep into the strategies, systems, and mindset shifts that help you move from Rainmaker to Architect.

Get above the daily grind and design a business that can run and grow without you.

Learn more at https://blueprintos.com

Coach P found great success as an insurance agent and agency owner. He leads a large, stable team of professionals who are at the top of their game year after year. Now he shares the systems, processes, delegation, and specialization he developed along the way. Gain access to weekly training calls and mentoring at www.coachpconsulting.com. Be sure to mention the Above The Business Podcast when you get in touch.

Club Capital is the ultimate partner for financial management and marketing services, designed specifically for insurance agencies, fitness franchises, and youth soccer organizations. As the nation's largest accounting and financial advisory firm for insurance agencies, Club Capital proudly serves over 1,000 agency locations across the country—and we’re just getting started. With Club Capital, you get more than just services; you get a dedicated account manager backed by a team of specialists committed to your success. From monthly accounting and tax preparation to CFO services and innovative digital marketing, we’ve got you covered. Ready to experience the transformative power of Club Capital? Schedule your free demo today at club.capital and see the difference firsthand. Make sure you mention you heard about us on the Above The Business podcast to get 50% off your one time onboarding fee!

Autopilot Recruiting helps small business owners solve their staffing challenges by taking the stress out of hiring. Their dedicated recruiters work on your behalf every single business day - optimizing your applicant tracking system, posting job listings, and sourcing candidates through social media and local communities. With their continuous, hands-off recruiting approach, you can save time, reduce hiring costs, and receive pre-screened candidates, all without paying any hiring fees or commissions.

More money & more freedom: that’s what Autopilot Recruiting help business owners achieve. Visit https://www.autopilotrecruiting.com/ and don't forget to mention you heard about us on the Above The Business podcast.

Direct Clicks is built is by business owners, for business owners. They specialize in custom marketing solutions that deliver real results. From paid search campaigns to SEO and social media management, they provide the comprehensive digital marketing your business needs to grow. Here’s an exclusive offer for Above The Business listeners: Visit directclicksinc.com/abovethebusiness for a FREE marketing campaign audit. They’ll assess your website, social media, SEO, content, and paid advertising, then provide actionable recommendations. Plus, when you choose to partner with them, they’ll waive all setup fees.