Bite Sized Finance

Curiosity strikes: How does a beer truck driver become a successful attorney and an NBA liaison? Join me, Kelly Brothers, as I sit down with Paul Bossenmaier, whose journey from the driver's seat to the courtroom offers a fascinating story of career evolution and post-retirement fulfillment. Beyond his legal prowess, Paul brings a unique perspective shaped by years of basketball officiating, proving that passions outside your main career can enhance professional life in unexpected ways.

Through heartfelt anecdotes, Paul shares how nonverbal communication plays a pivotal role in fostering relationships on and off the basketball court. His transition from attorney to NBA liaison and playground monitor showcases a retirement filled with purpose and joy. We hear how Paul’s active engagement in new roles allows him to maintain connections with younger generations, all while enjoying the newfound freedom that comes with financial security.

Explore the art of crafting a purposeful retirement plan with Paul, uncovering how his second act keeps him vibrant and inspired. From inspiring his daughter to follow in his officiating footsteps to sharing valuable retirement planning advice, Paul's story offers a blueprint for anyone seeking a fulfilling life after a long career. Whether you're planning for retirement or simply looking for inspiration, this episode reveals how staying active and maintaining purpose can lead to a rewarding post-career life.

For more information on what we provide at CAPTRUST visit www.captrust.com.

You can contact me, Kelly Brothers, through the show at: [email protected]

To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

CHAPTER SUMMARIES

(00:00) Paul Bossenmaier's Retirement Success

Paul Bossenmaier's unique career path includes driving a beer truck, practicing law, and officiating basketball games.

(19:20) Communication and Retirement Success

Nonverbal communication in NBA extends beyond verbal interactions, including informal reconciliations and post-retirement activities.

(28:19) Retirement, Financial Freedom, and Purpose

Paul's unique role as playground monitor and NBA liaison, his nickname strategy, and reflections on retirement and purpose.

(35:25) Creating a Purposeful Retirement Plan

Paul's journey from NBA liaison to inspiring his daughter to pursue refereeing, and the importance of a fulfilling second act.

Podcast Summary

Topo Padilla, a remarkable figure with over four decades of experience in the bail bonds industry, joins me, Kelly Brothers, to share his deep insights and personal journey. From his family's pioneering efforts in Sacramento to his reflections on the ethical dilemmas and risks of the profession, Topo offers an engaging narrative that highlights the balance between upholding justice and supporting individuals in their most vulnerable moments. With a rich history spanning generations, the Padilla family has not only weathered the evolving landscape of bail bonds but has also shaped it, providing essential community support through innovative services and unwavering dedication.

As we navigate the shifting tides of California's criminal justice system, Topo addresses the profound impacts of Proposition 47 and the ongoing dialogues surrounding criminal justice reform. He brings into focus the urgent need for a more rehabilitative approach in corrections, advocating for better mental health and substance abuse support. Through his lens, we gain a nuanced understanding of the challenges and changes affecting the industry, from the restructuring of state prisons to the role of private facilities, all while stressing the importance of legislative changes aimed at reducing recidivism and genuinely improving inmate care.

Throughout our conversation, Topo underscores the importance of adaptability in the bail bonds business and shares his strategies for marketing his family-owned enterprise amidst a rapidly changing landscape. His insights on transitioning from traditional advertising to community engagement offer valuable lessons for those in niche industries. Recognizing the vital roles of stakeholders like judges, bailiffs, and law enforcement, Topo expresses gratitude for the collective efforts of those navigating the justice process, highlighting how every contribution shapes the lives of those awaiting their day in court. Join us for an enlightening discussion that offers a fresh perspective on the intricacies of the bail bonds industry and its critical role in our justice system.

To learn more about Greg Padilla Bail Bonds, visit https://www.padillabailbonds.com/

For more information on what we provide at CAPTRUST visit www.captrust.com.

You can contact me, Kelly Brothers, through the show at: [email protected]

To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

Chapter Summaries

(00:00) Understanding the Bail Bonds Industry

Topo Padilla explains the fundamentals of bail bonds, including indemnitors and regulatory oversight, and his passion for the industry's role in the criminal justice system.

(07:10) Generations of Family Bail Bondsmen

Padilla family's legacy in bail bond industry, upholding rights while ensuring court appearances, and generational continuity.

(13:32) Bail Bonds Industry Challenges and Changes

Topo Padilla shares insights on fugitive recovery, tools of the trade, and challenges faced by bail agents in an evolving legal landscape.

(26:29) Reforming the Criminal Justice System

Proposition 47's impact on substance abuse and mental health, efforts to repeal, and need for rehabilitation in California's correctional system.

(33:34) Issues in Criminal Justice Reform

California's prison system shifts to county jails, discussing rehabilitation, privatized prisons, and marketing strategies for a family-owned bail bond business.

(47:04) Recognizing the Role of Bail Bondsmen

Topo Padilla shares gratitude and experiences in criminal justice system, highlighting roles of judges, prosecutors, and law enforcement.

Join me, Kelly Brothers, on a flavorful journey as I sit down with renowned chef Patrick Mulvaney, who shares his captivating story from a traditional Irish upbringing in New York to becoming a celebrated restaurateur in Sacramento. Listen in as Patrick recounts how his college experiences sparked a passion for cooking, leading him to an apprenticeship in Ireland and eventually returning to America as a skilled cook. Discover how Patrick's love for the Sacramento farming community and its year-round growing season inspired him to establish Mulvaney's Building and Loan, a restaurant dedicated to celebrating local farms and farmers.

Experience the richness of Sacramento's agricultural landscape through Patrick's eyes as we explore the city's unique culinary scene. Hear about the amazing quality and proximity of fresh produce that often leaves chefs and visitors in awe. Patrick shares delightful anecdotes, including a memorable dinner with 300 mayors, showcasing Sacramento's bounty. This conversation sheds light on the evolving perception of Sacramento as a culinary hub and Patrick's role in connecting local farmers with the community, emphasizing the importance of supporting the agricultural talents that make Sacramento special.

Finally, we explore the nuances of the restaurant industry and the importance of mental health support within it. Patrick provides insights into the balance between culinary passion and financial oversight, highlighting the mentorship and community spirit that foster new talent. Celebrate the communal spirit of the industry with stories of collaboration, shared success, and the legacy of guidance among peers. This episode promises to be an enriching experience, offering a glimpse into the heart of Sacramento's culinary world and the vision of a chef committed to making a difference.

To learn more about Mulvaney's or to make a reservation, you can visit the website:https://mulvaneysbl.com/

For more information on what we provide at CAPTRUST visit www.captrust.com.

You can contact me, Kelly Brothers, through the show at: [email protected]

To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

Chapter Summaries:

(00:10) Chef Patrick Mulvaney and B&L Restaurant

Renowned chef Patrick Mulvaney shares his journey from traditional Irish upbringing to owning a celebrated restaurant in Sacramento, emphasizing his commitment to local farms and community impact.

(13:38) Sacramento's Agricultural Blessings and Connections

Patrick Mulvaney highlights Sacramento's agricultural richness and role in connecting farmers with the community.

(24:12) Supporting Restaurant Industry Mental Health

Choosing the right advisor and balancing passion and financial oversight in restaurant management, with a focus on mentorship and community support.

(38:54) Sacramento's Slow Food Festival Expansion

Chef Mulvaney shares Slow Food's origins and plans for Terra Madre Americas, promoting agritourism and cultural exchange in Sacramento.

(49:55) Fiduciary Duty and Pricing Transparency

Fiduciary responsibility prioritizes clients' best interests, avoiding high-commission products and promoting transparency in financial advising fees.

What if you could turn a modest upbringing into a powerhouse of entrepreneurial success and community development? Meet Kevin Nagle, a man whose journey from a small townhouse to a transformative force in Sacramento is nothing short of remarkable. Through personal anecdotes and pivotal career decisions, Kevin illustrates how mentors, resilience, and strategic foresight can shape not only a career but an entire city's future.

Join us as we explore Kevin's dynamic career path, starting with a choice between Wall Street and pharmaceuticals that led to monumental achievements in both industries. Hear how Kevin's entrepreneurial spark ignited the creation of HMN Health Services and Envision, paving the way for notable business deals and highlighting the importance of timing and perseverance. His inspiring journey doesn't stop there; Kevin's commitment to community is evident in his efforts to keep the Sacramento Kings in town and his passionate involvement with the Sacramento Republic.

Kevin's vision for Sacramento's future is as contagious as it is ambitious. With plans for a new soccer-specific stadium and a diversified economy, his dedication to enhancing the city's entertainment and economic landscape shines through. Kevin's story is not just about personal success but about leaving a legacy of character and community impact. Tune in to discover how one man's vision and determination are shaping the future of Sacramento.

For more information on what we provide at CAPTRUST visit www.captrust.com.

You can contact me, Kelly Brothers, through the show at: [email protected]

To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

CHAPTER SUMMARIES(00:00) Kevin Nagle's Path to Success

Kevin Nagle's humble beginnings, mentors, academic journey, and early career experiences shaped his path in healthcare and pharmaceuticals.

(06:42) Kevin Nagle's Career Journey

Kevin Nagle's early career journey highlights perseverance and resilience in finance and pharmaceutical industries, driven by a childhood experience.

(16:35) Kevin Nagle's Entrepreneurial Success

Entrepreneur shares journey of starting and selling two successful businesses, demonstrating resilience and strategic thinking.

(26:14) Kevin Nagle's Sacramento Kings Rescue

Kevin Nagle's financial transformation led to his pivotal involvement in keeping the Sacramento Kings in the city.

(37:49) Sac Republic Ownership Journey

Kevin's journey with Sac Republic, financial challenges, smooth ownership transition, passion for soccer, disappointment of losing MLS, and importance of a dedicated stadium.

(41:09) Investment in Soccer Stadium Development

Sacramento Republic's new ownership, plans for a soccer stadium, cross-continental growth in football, and humorous comparisons to Ted Lasso.

(46:13) Sacramento's Future Vision With Kevin Nagel

Kevin Nagle envisions a diversified economy and enhanced entertainment opportunities for Sacramento, with gratitude for civic-minded individuals shaping the city's progress.

Dr. Scott Fishman’s remarkable journey from the humanities to the forefront of medical innovation is nothing short of inspiring. Dr. Fishman, whose path veered from a recording studio to significant contributions in pain research, joins us to share the intriguing twists that led him from an interest in communication to a profound fascination with endorphins and pain management. With pivotal moments like a news story on acupuncture in China and the guidance of a mentor, Dr. Fishman’s story serves as a testament to the power of curiosity and perseverance in transforming one’s career and impact.

Our conversation progresses into the vital link between lifestyle choices and chronic pain management. With more than three decades of experience, we explore how holistic approaches, including diet and mental wellness, can drastically improve quality of life and mitigate chronic conditions. By spotlighting the creation of a wellness education office, we underscore the shift from reactive healthcare towards preventive strategies, inspired by the dedication and support of advocates like Jacquelyn Anderson. This episode challenges listeners to rethink their health narratives and embrace lifestyle changes as powerful tools for longevity and vitality.

Navigating the overwhelming abundance of health information is no easy task, yet finding credible sources is more important than ever. We delve into the biases present even in reputable institutions like UC Berkeley and the Mayo Clinic while emphasizing the empirical insights offered by the Blue Zones about diet, lifestyle, and community connection. Our discussion advocates for critical evaluation of health advice, warning against an overreliance on supplements, and urging listeners to prioritize sustainable habits over fleeting solutions. Dr. Fishman’s insights into wellness education and future healthcare financing offer a deeper understanding of the importance of accessible, effective wellness initiatives.

You can reach Dr. Fishman at the UC Davis Office of Wellness Education or by emailing him at [email protected]

For more information on what we provide at CAPTRUST visit www.captrust.com.

You can contact me, Kelly Brothers, through the show at: [email protected]

To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

CHAPTER SUMMARIES

(00:00) Exploring Pain

Dr. Scott Fishman's unconventional journey to becoming a physician, sparked by curiosity and persistence, highlights the importance of science and mentorship.

(13:34) Wellness Education and Chronic Illness

Lifestyle choices can prevent and manage chronic pain, and a paradigm shift towards preventive health care is needed.

(27:19) Navigating Information on Health and Wellness

Evaluating health information, diverse diets, active lifestyles, and avoiding quick fixes for wellness.

(45:02) Future of Medical Care Finance

Future of medical care, complexities of financing, and importance of wellness education and initiatives discussed by Dr. Scott Fishman.

Join me, Kelly Brothers, as I engage in a captivating conversation with Mike Testa, CEO of Visit Sacramento, who shares his fascinating journey into the world of destination marketing. Growing up in Davis and spending time in the East Bay, Mike eventually returned to Sacramento, where he discovered his passion for showcasing the city's unique appeal. He opens up about the complexities of his role, especially in challenging times, and the importance of fostering a genuine belief in the city's potential. From conventioneers to sports enthusiasts, Mike discusses Visit Sacramento's strategy to attract a diverse range of visitors, highlighting the organization's funding structure and its pivotal role in enhancing the city's economic landscape.

Listen in as we explore Sacramento's cultural and culinary evolution, inspired by successful music festivals like Aftershock and Golden Sky. Mike shares insights on how these events have transformed Sacramento's image and contributed significantly to the local economy. With an influx of visitors and substantial economic impact, these festivals underscore the city's potential to redefine itself beyond its government town roots. The conversation also touches on the logistical challenges of hosting such large-scale events and the importance of strategic planning in a competitive market.

Our discussion further uncovers the potential for Sacramento to enhance its tourism offerings through developments like amateur sports facilities and soccer complexes. Mike emphasizes how such initiatives could attract tournaments and boost local tourism, while also enriching the city's identity. We delve into Sacramento's vibrant culture, from its "Farm to Fork" movement to its status as the "City of Trees," and the importance of embracing its multiple identities. The episode concludes with a focus on innovative marketing strategies to showcase Sacramento's appeal to a broader audience, leveraging various media platforms to reach potential visitors and strengthen the city's reputation.

You can learn more about Visit Sacramento by visiting: https://www.visitsacramento.com/

For more information on what we provide at CAPTRUST visit www.captrust.com.

You can contact me, Kelly Brothers, through the show at: [email protected]

To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

Chapter Summaries

(00:00) Attracting Tourism to Sacramento

Mike Testa shares his journey into destination marketing and Visit Sacramento's multifaceted approach to attract diverse visitors.

(09:55) Cultivating Sacramento's Cultural and Culinary Identity

Music festivals in Austin and Sacramento have transformed cities, generating economic impact and facing logistical challenges in a saturated market.

(25:05) Transforming Sacramento's Tourism and Identity

Building a soccer complex in Sacramento can attract tourism, benefit local teams, and showcase the city's vibrant culture and multiple identities.

(34:33) Economic Development Ideas for Sacramento

Regional collaboration, economic development, and sports fields are discussed to enhance Sacramento's appeal and vitality.

(46:33) Marketing Strategies for Sacramento

Marketing strategies for Sacramento include targeted advertising, social media, and a significant annual investment in leisure travel promotion.

Welcome to this episode, where I, Kelly Brothers, take you on a fascinating journey with the esteemed Dr. Terry Zimmerman, a renowned plastic surgeon from Folsom. Join me as we explore Dr. Zimmerman's inspiring path from his childhood dreams in Los Angeles to his accomplished medical career. As a child, Dr. Zimmerman dreamed of becoming an astronaut or race car driver, but his love for precision ultimately led him to medicine, specifically the transformative field of plastic surgery.

In our conversation, Dr. Zimmerman shares his educational journey from UC San Diego to USC, and his specialized training at UC Davis. His early passion for constructing model airplanes laid the foundation for his meticulous approach to surgery, emphasizing the precision and artistic nature required in plastic surgery.

As we continue into the evolution of his practice, Dr. Zimmerman candidly discusses transitioning from reconstructive to cosmetic surgery. He shares insights on the business side of his practice, highlighting the power of word-of-mouth marketing over traditional methods and the challenges posed by insurance companies and medical tourism. His perspective on the economic indicators tied to cosmetic procedures offers a unique lens on how the field adapts to societal and economic shifts, particularly during and after the pandemic.

Dr. Zimmerman also enlightens us on the latest advancements in plastic surgery techniques, from the impact of weight loss drugs like Ozempic to the increasing demand for skin tightening procedures. We discuss new trends, including the most sought-after procedures for men in 2024, and the importance of understanding patient motivations.

You can learn more about Dr. Zimmerman's practice in the link below: https://www.zimmermancenter.com/

For more information on what we provide at CAPTRUST visit www.captrust.com.

You can contact me, Kelly Brothers, through the show at: [email protected]

To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

This is an encore episode presented at a time appropriate for year end tax planning. Some big changes will be taking place in 2026 and that means 2025 or sooner will require significant work to be certain your trust and estate is in order. I hope you appreciate it if this is the first time you're listening and if it's a repeat for you, I hope you're taking action already.

When Anne Rosenthal, the managing shareholder of Drobny Law, speaks about estate tax law, it's impossible not to get engrossed in the conversation. Her journey from the Midwest to Sacramento's estate planning elite is not just a story of geographic change but a testament to her dedication in helping families circumnavigate the looming complexities of wealth protection. This episode is an essential listen as Anne illuminates the stark realities of the forthcoming estate tax exemptions slated for 2026. With the threshold set to drop, more families—and not just those in high-value states like California—are poised to experience significant financial impacts.

Tax planning seems like a daunting task, but she'll break down the process with precision and clarity. She underscores the critical nature of proactive steps, such as securing powers of attorney and healthcare directives once you hit adulthood. The advice doesn't stop there; whether you're starting a family or running a family business, Anne's insights on navigating the tax landscape in light of the 2025 amendments are invaluable. She also delves into the specific challenges faced by those in second marriages, ensuring that all loved ones are provided for without unintended oversights, like outdated beneficiary designations that can lead to ex-spouses accidentally inheriting assets.

Finally, Anne addresses a more somber topic—the financial exploitation of the vulnerable. She champions the role of fiduciaries to protect those who may not be able to protect themselves and cautions listeners on the importance of making these decisions early. With a practical approach, she provides listeners with strategies for maximizing exemptions and deftly managing asset transfers before the estate tax changes take effect. Anne Rosenthal's expertise in estate tax law is a necessary episode if the law impacts you or your loved ones. Providing a comprehensive guidebook to safeguard your legacy in these unpredictable times is absolutely necessary.

For more information about Drobny Law visit: www.drobnylaw.com or call 916-419-2100

For more information on what we provide at Captrust visit www.captrust.com.

You can contact me, Kelly Brothers, through the show at: [email protected]

To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

Ever wondered how childhood entrepreneurial ventures can shape a successful business career? Join me, Kelly Brothers, as Brad Squires, CEO of Sacramento Venture Philanthropy, shares his transformative journey from a young boy selling mistletoe with his brothers in Woodland, California, to co-founding a global B2B maintenance management software company, Maintenance Connection. Brad's stories offer a nostalgic look at the early lessons he learned, including responsibility and cash flow management, which have profoundly impacted his approach to entrepreneurship and philanthropy.

Discover how Brad's passion for innovation led him to create Sacramento Venture Philanthropy, an organization that applies venture fund principles to support local nonprofits. We explore the unique challenges and opportunities faced by these nonprofits in the Sacramento region and how initiatives like the Fast Pitch program empower them to effectively communicate their missions and secure vital resources. Brad shares success stories, such as the Food Literacy Center, and discusses how SVP bridges the gap between traditional nonprofit management and rigorous business practices.

Finally, we discuss the importance of community engagement and capacity building, offering insights into how strategic initiatives can bolster nonprofit organizations. Brad introduces us to innovative programs like Think Tankathons and the "five T's" of being a generous partner. We also touch on understanding fiduciary duty in financial advising, highlighting the need for transparency and vigilance when navigating financial services. This episode promises to leave you inspired by Brad's journey and enlightened on the intersection of entrepreneurship and philanthropy.

To learn more about SVP visit: https://www.svpsacramento.org/

For more information on what we provide at CAPTRUST visit www.captrust.com.

You can contact me, Kelly Brothers, through the show at: [email protected]

To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

Chapter Summaries(00:10) CEO Brad Squires Talks Entrepreneurship

Entrepreneur Brad Squires shares his journey from childhood business to co-founding a successful software company, blending entrepreneurship and philanthropy.

(10:04) Childhood Paper Routes

Nature's unique experiences of running a flower farm business, selling mistletoe, and early entrepreneurial ventures.

(18:28) Venture Philanthropy and Fast Pitch Program

SVP uses venture fund approach to support nonprofits in Sacramento region, bridging gap between traditional management and business practices.

(27:58) Success Stories of Fast Pitch Program

Fast pitch in Sacramento helps organizations articulate their mission, with high-powered partners and volunteer coaches, leading to success stories and collaborations.

(36:56) Community Engagement With Sacramento Nonprofits

SVP provides strategic philanthropy through programs like Fast Pitch and Think Tankathons, emphasizing capacity building and the five T's.

(49:12) Understanding Fiduciary Financial Advisors

Fiduciary duty in financial advising: understanding fees, prioritizing clients' best interests, and transparency in financial arrangements.

Curious about what makes a top broker tick? Join us for a captivating conversation with Todd Sanfilippo, a celebrated industrial broker crowned Broker of the Year by the Sacramento Association of Commercial Real Estate. Todd shares his inspiring journey from a childhood steeped in real estate in San Jose to becoming a leading figure in Sacramento's commercial property market. Discover how pivotal choices, like opting for a research role at CBRE over a secure position at AT&T, and the influence of his personal life, including meeting his future wife, led him to redefine success in the industry.

Gain insider knowledge as Todd opens up about his transformative 35-year career at CBRE, from his early days in a research role to thriving as a commissioned broker. He emphasizes the critical role of ethics, collaboration, and mentorship in shaping a rewarding career. Todd's passion for industrial real estate shines through as he discusses current trends, like the growing demand for efficient logistics, and how warehouse designs are evolving to keep up with this rapidly changing landscape. Learn from Todd's experiences as he offers guidance for young professionals eager to carve their path in this competitive field.

We also explore the broader shifts within commercial real estate, including innovative approaches to repurposing underutilized spaces and the evolving workforce that is becoming more diverse. Todd shares his insights on the importance of dedication and the sacrifices needed to thrive, highlighting how aspiring brokers can set themselves apart. Whether you're a seasoned real estate expert or just curious about the field, Todd’s journey and wisdom provide valuable lessons in resilience, foresight, and the ever-changing nature of this dynamic industry.

You can reach Todd by visiting the website: https://www.cbre.com/people/todd-sanfilippo

For more information on what we provide at CAPTRUST visit www.captrust.com.

You can contact me, Kelly Brothers, through the show at: [email protected]

To reach me at CAPTRUST visit www.captrust.com/locations/sacramento-ca/

Chapter Summaries

(00:00) Success in Commercial Real Estate

Todd Sanfilippo's journey from San Jose to top broker in Sacramento, influenced by family, hard work, and strategic career decisions.

(07:07) Commercial Real Estate Transition and Success

Todd Sanfilippo's 35-year career at CBRE, from research to commission broker, with emphasis on mentorship, ethics, and collaboration in industrial real estate.

(20:36) Real Estate Trends and Market Growth

Real-time delivery logistics has doubled rents and influenced warehouse design in Sacramento's market, with a focus on Metro Air Park and competitive labor costs.

(35:43) Transformation in Commercial Real Estate

Commercial real estate faces challenges and opportunities, including repurposing spaces and diversifying the industry's workforce.

(43:12) Career in Commercial Real Estate

Understanding motivations, commitment, and work ethic are crucial for success in commercial real estate.