Bite Sized Finance

What if your financial plan could shield you from life's unexpected turns? On this episode of Bite Size Finance, I chat with John Lockwood, a seasoned advisor at CapTrust, who opens up about his personal journey into the world of financial and insurance planning. Inspired by a neighbor and propelled by family challenges, John shares how crafting his first financial plan during his father's health crisis laid the foundation for his career. His story underscores the profound impact of understanding and managing financial risks, making this episode both inspiring and informative.

John's expertise shines as he breaks down the critical balance between offensive and defensive financial strategies. From the intricacies of insurance contracts to the tax implications of liquidating policies, he provides a clear roadmap on integrating insurance into a holistic financial plan. We explore the nuances of self-insuring versus purchasing insurance and stress the importance of regularly assessing your coverage to ensure it aligns with your evolving goals. This is important for anyone looking to fortify their financial future against unforeseen events.

We also tackle the often-overlooked topic of underperforming annuities, providing actionable strategies for "annuity rescue." John discusses options like surrendering annuities, utilizing annuitization, and leveraging tax advantages through family gifting. The episode wraps up with a deep dive into estate planning and the current trend of Roth conversions, offering valuable insights on how to reduce future tax liabilities while maximizing tax-free asset growth. Whether you’re navigating complex annuity decisions or considering a Roth conversion, John’s practical advice will equip you with the knowledge to make informed financial choices. Connect with John Lockwood for personalized guidance and take control of your financial wellbeing today.

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

You can reach John Lockwood via email at: [email protected]

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

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

Episode Highlight Timestamps(00:17 - 01:25) Insurance Matters With John Lockwood

(07:04 - 08:38) Success in Insurance Sales Internship

(14:45 - 17:58) Insurance Contract Repurposing and Self-Insurance"

(17:59 - 20:21) Long-Term Care Insurance Options

(22:22 - 23:03) Planning for Long-Term Care Protection

(30:36 - 32:03) Lifetime Income Stream Gift Planning

(36:09 - 38:47) Insurance and Estate Planning Advice

Chapter Summaries(00:00) A Journey Into Financial Planning

John Lockwood's journey into financial advisory began with a passion for finance and was solidified by his experience with his father's cancer diagnosis.

(09:47) Insurance in Financial Risk Management

Risk mitigation is crucial in financial planning, balancing investments and insurance to protect against death, loss of income, and long-term care needs.

(25:47) Navigating Annuity Rescues and Alternatives

Annuity rescue strategies include surrendering, annual distributions, annuitizing, gifting, and introducing for guaranteed income in retirement.

(41:03) Estate Planning and Roth Conversions

Strategies for managing estate growth and taxes, including Roth conversions and avoiding over-reliance on life insurance.

(47:27) Contact Information for Financial Advisor

John Lockwood, trusted advisor at CapTrust, can be contacted for financial advice or insurance queries via email or phone.

Can an innovative approach to customer service redefine an entire industry? Join me, Kelly Brothers, in a conversation with Dale Carlsen, the trailblazing founder of Sleep Train Mattress Company, and Cameron Law, the dynamic Executive Director of the Carlsen Center for Innovation and Entrepreneurship at Sacramento State University. Hear Dale recount his remarkable transition from a mattress manufacturing employee to leading a thriving business, all while overcoming early challenges and initial skepticism from his father. Discover how his relentless pursuit of opportunity and problem-solving revolutionized customer service in the mattress industry.

We then shift gears to explore the birth of the Carlsen Center for Innovation and Entrepreneurship, a testament to Dale and Katie Carlsen's commitment to their community. With insights from Cameron Law, we delve into the center's mission to transform Sacramento into a premier hub for innovation and entrepreneurship. Learn how this visionary center aims to unify the region's fragmented entrepreneurial ecosystem, offering vital resources and support to both students and regional entrepreneurs through various impactful programs and initiatives.

Finally, we'll explore the broader themes of fostering an entrepreneurial mindset and the critical support systems that can turn a great idea into a successful venture. Through personal anecdotes and practical advice, we highlight the importance of community support and mentorship in the entrepreneurial journey. Dale shares how Sacramento's collaborative ecosystem, bolstered by local leaders and institutions, is nurturing the next generation of innovators and ensuring that the entrepreneurial spirit thrives at any age.

Learn more about the Carlsen Center by visiting: https://www.csus.edu/center/carlsen/

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/

Episode Highlight Timestamps

(07:14 - 08:35) Radio Personalities Boost Mattress Sales

(10:09 - 13:41) Empowering Employees Through Ownership

(16:55 - 19:04) Building a Hub for Innovation

(20:21 - 21:24) Entrepreneurial Support and Recognition

(25:44 - 27:15) Entrepreneurs

(31:29 - 33:14) Supporting Foster Kids in Business

(37:39 - 38:46) Entrepreneurship at Any Age

(43:36 - 44:03) Loss, Success, and Father's Approval

Chapter Summaries

(00:00) Entrepreneurial Journey and Success

Entrepreneur Dale Carlsen shares his journey from mattress company to Sleep Train, highlighting seizing opportunities and innovative customer service.

(14:28) Building a Regional Innovation Hub

The Carlsen Center for Innovation and Entrepreneurship at Sacramento State University fosters entrepreneurial spirit and connects resources for student and regional entrepreneurs.

(19:05) Born or Made

The Carlsen Center for Innovation and Entrepreneurship supports global entrepreneurs and social ventures, bridging the gap between ideas and successful execution.

(27:00) Entrepreneurship and Social Impact

Fostering an entrepreneurial mindset, connecting with customers, leveraging networks, and supporting social causes in Sacramento's collaborative ecosystem.

(37:52) Entrepreneurial Spirit and Support

Transitioning into entrepreneurship at any age, supportive mentors, resources for budding entrepreneurs, fostering an entrepreneurial mindset in children.

(47:36) Community Support for Entrepreneurs

Seek help and support from community for successful outcomes in entrepreneurship and fostering children. Gratitude for Dale and Katie's efforts.

How does a finance graduate from Kansas become a luminary in the wine industry? Get ready to uncover the fascinating journey of Sean Minor, founder of Sean Minor Wines, as we traverse his path from Kansas to the vineyards of California. We explore how Sean's unique combination of financial expertise and a winemaking certification from UC Davis propelled him to success. You'll hear about his pivotal experiences at notable wineries like Kings Estate, and Renwood Winery, which honed his skills and led to the bold move of starting his own label in 2005.

Discover the innovative business model behind Sean Miner's virtual winery, designed for flexibility and speed without the typical capital-heavy investments. Sean’s strategic choice to lease facilities for production and bottling, coupled with sourcing grapes from family growers in Sonoma, sets his brand apart. Learn how his focus on selling wines primarily through restaurants by the glass aligns with his personal motivations and lifestyle, even as he navigates the difficult terrain of launching a virtual winery. It’s a captivating blend of personal passion and strategic foresight that brings a fresh perspective to the wine business.

As we continue through climate change's impact on grape-growing regions and Sean's multi-generational family business philosophy, you'll gain insights into the future of winemaking. Hear how achieving 90+ ratings for all wines and the introduction of a new generation into the production team have bolstered their market presence. From the importance of glassware in wine tasting to the effects of the 2020 pandemic on sales, Sean's story is rich with lessons and anecdotes. We cap it off with a look at common misconceptions in wine tasting, celebrating Sean Minor's contributions to the industry and his unwavering commitment to maintaining brand integrity.

You can learn more about Sean Minor Winery by visiting: https://www.seanminorwines.com/our-story/

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/

Episode Highlight Timestamps

(02:22 - 03:53) Kansas Roots and the Wine Business

(07:45 - 08:33) Escaping the Velvet Rut

(10:54 - 14:07) Sean Minor's Innovative Virtual Winery

(27:21 - 28:52) Focused Wine Production Strategy

(34:02 - 35:24) Climate Change and Wine Industry Storytelling

(35:25 - 38:39) Family Business Success for Sean Minor

(42:52 - 44:03) Impact of Covid on Wine Sales

(44:09 - 45:43) Favorite Non-Sean Minor Wines and Varietals

Chapter Summaries

(00:00) From Vineyards to Table

Sean Minor's journey from finance graduate to winemaker, working with major wineries before starting his own label in 2005.

(12:59) Building a Virtual Winery for Restaurants

Virtual winery's innovative business model: speed, flexibility, sourcing grapes from family growers, selling to restaurants, and aligning with family life.

(25:36) Climate Change in Wine Industry

New generation leads to 90+ ratings, passion for Pinot Noir, virtual winery in Sonoma and Sacramento, climate change adaptation.

(37:18) Multi-Generational Family Business Philosophy

Sean's family wine business prioritizes brand value and legacy, with multi-generational involvement and potential impacts of corporate acquisitions. Quick hits cover glassware, Chardonnay, and health benefits. The pandemic caused a 14% decrease in wine sales despite increased home consumption.

(47:02) Misconceptions in Wine Tasting

Exploring wine culture's ironic twist as protagonist's favorite wine is 78% Merlot, with a shout-out to Sean Miner and his brand.

Celebrating the legendary Randy Paragary, we reflect on his profound impact on Sacramento's culinary and social landscape. Randy's journey began in 1969 with the opening of the Parapow Palace Saloon, a revolutionary step that transformed a humble grocery store into a vibrant music venue. Randy's insightful reflections on the cultural upheavals of the Vietnam War era and the Summer of Love, coupled with his innovative spirit, paint a vivid picture of the man who helped shape Sacramento's nightlife and hospitality scene. His knack for repurposing old spaces into dynamic social hubs is a testament to his visionary approach.

From the early days of the Victorian-themed Lord Beaverbrooks to the enduring success of Paragary's, we explore the evolution of Randy's ventures. The chapter underscores the influence of culinary icons like Alice Waters and Wolfgang Puck on Randy's ambition to introduce Sacramento to high-quality dining experiences. We delve into the story behind the wood-fired pizza oven at Paragary's, one of the oldest west of the Mississippi, and how it became a hallmark of the restaurant's appeal. This journey is not just about food but about creating spaces that bring people together, a legacy that Randy maintained through his Midtown hotel project.

In an engaging conversation, Randy shares his entrepreneurial wisdom, recounting both triumphs and challenges. The creation of a hotel that blends dining and social experiences without the typical end-of-night lull showcases Randy's forward-thinking approach. Reflecting on his journey, Randy offers invaluable lessons on the evolving complexities of the restaurant industry, drawing parallels between the social upheavals of the 60s and the present day. His insights on the increasing barriers for young entrepreneurs today serve as a sobering reminder of the changing landscape. Join us as we pay tribute to Randy's enduring legacy and celebrate the resilient spirit of the Sacramento restaurant scene.

To make a reservation or to learn more about the restaurants in the group, visit: https://paragarysmidtown.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/

Episode Highlight Timestamps(00:34 - 03:22) Restaurant Industry Evolution Over Five Years

(05:28 - 06:27) Makuni

(11:31 - 15:02) Remembering Randy Paragary

(32:27 - 33:42) Restaurant Legend Ventures Into Hotel Industry

(36:07 - 37:51) Randy Paragary Restaurant Scene Recap

(39:52 - 40:56) Fort Sutter Hotel Bar and Lounge

(47:55 - 48:56) Challenges of Opening a Bar

(00:00) Changes and Closures in Restaurant Industry

Sacramento's restaurant industry adapts to COVID-19 with takeout and outdoor dining, while celebrating resilience and notable closures like Club Pheasant and Biba.

(14:08) Legacy of Randy Paragary in Sacramento

Randy Paragary's legacy in Sacramento's dining and social scene, from his first bar in 1969 to his influence on nightlife.

(26:16) Evolution of Paragary's and Fort Sutter

Journey from law school to successful restaurateur, influenced by culinary pioneers, wood-fired pizza ovens, and 37 years of popularity in Sacramento's dining scene.

(33:49) Randy Paragary Discusses Hotel Vision

Randy Paragary shares his vision of a hotel-restaurant experience, attracting business travelers, families, and locals, with a partnership with Hilton's Tapestry Collection.

(44:39) Lessons From Randy Paragary

Entrepreneur Randy Paragary reflects on his journey, lessons learned from mistakes, and challenges faced in starting a business. We also discuss current opportunities and his enduring influence on Sacramento's dining and nightlife scene.

Get ready to rethink your understanding of banking and business growth with James Beckwith, the dynamic CEO of Five Star Bank. Discover how James's journey from a modest beginning in Santa Rosa to a respected figure in the banking world can inspire your own career path. From his early education at Santa Rosa Junior College to his transformative experiences at San Francisco State University and Touche Ross (now Deloitte), James unveils the milestones and mentors that sparked his passion for banking that ultimately led him to where he is today.

Learn the strategic intricacies behind transitioning a bank from a sub-chapter S corporation to a publicly traded entity. James offers a candid look at the monumental decision to go public, driven by the need for additional capital during rapid growth phases, especially post-PPP loans. Hear about the operational impacts of this shift, including the inevitable compliance costs and the invaluable benefits of engaging with public market investors. James's narrative on running a publicly traded bank reveals the rewarding experiences of sharing the bank's story with a broader audience and the newfound liquidity it offers shareholders.

James also shares his vision for Five Star Bank's future as he discusses the bank's significant expansion into San Francisco amidst the collapse of several banks in 2023. He explains the impact of remote work on commercial real estate and the unique challenges and opportunities this presents. Additionally, James emphasizes the profound connection between business success and community engagement, sharing heartfelt anecdotes of his philanthropic efforts. His advice to young professionals focuses on following one's passions, continuous learning, and adapting to new work environments. These are the word of wisdom from a leader who seamlessly blends business acumen with community spirit.

To learn more about Five Star Bank, visit: https://www.fivestarbank.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/

Episode Highlights

(00:36 - 01:46) Early Interest in Business and Finance

(11:17 - 14:49) Founding and Future of Five Star

(20:41 - 22:30) Running a Publicly Traded Bank

(27:29 - 28:28) Regional Business Connection

(30:15 - 30:56) Impact of Engagement on Businesses

(34:09 - 35:29) Entrepreneurial Growth in Capital Region

(39:29 - 40:42) Community Engagement and Social Networks

(45:17 - 46:29) Generational Responsibility and Resilience

Chapter Summaries

(00:00) Banking Career Journey With James Beckwith

James Beckwith's journey from Santa Rosa Junior College to CEO of Five Star Bank, shaped by mentors and experiences in the banking industry.

(16:44) Transitioning to Publicly Traded Bank

Transitioning from sub-chapter S to publicly traded bank for capital, liquidity, compliance, and engaging with investors.

(22:30) Growth and Outlook in Northern California

Five Star Bank's growth and expansion, led by CEO James, from subchapter S to publicly traded entity, with $3.6 billion in assets and seven offices.

(35:29) Building Businesses Through Philanthropy and Engagement

CEO James Beckwith discusses the symbiotic relationship between business success, community engagement, and personal fulfillment through philanthropy.

What happens when the fundamentals of Social Security face unprecedented challenges? Join me, Kelly Brothers, as I unpack the looming crises of a dwindling worker-to-beneficiary ratio and rising life expectancies, which put Social Security's financial stability at risk. We'll explore potential solutions like raising the retirement age and forming a nonpartisan panel, and consider how these changes could shape retirement planning and the future of Medicare.

Ever wondered how raising the minimum wage affects more than just your paycheck? This episode dives into the ripple effects, from inflation to the rise of automation in fast food settings, particularly in high-cost areas like California. We'll also decode the complexities of investing during election years, shedding light on how political gridlock often brings stability and predictability to financial markets.

Imagine maximizing your Roth IRA to a staggering billion dollars and more. Learn how tech titans have done just that as we explore the ins and outs of Roth IRAs, including contribution limits, income constraints, and conversion strategies. Plus, we'll discuss how to choose the right financial advisor for you, highlighting the importance of fiduciary responsibility and personalized service.

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) Social Security and Retirement Challenges

Social Security's history, challenges, and solutions, including demographic shifts and the need for reforms to ensure viability.

(15:37) Minimum Wage and Election Year Politics

Raising minimum wage may lead to inflation, reduced human interaction, and increased automation. Election years see strong market performance and favor political gridlock.

(28:12) Maximizing Roth IRA Benefits

Nature's Roth IRA benefits include tax-free growth, contribution limits, conversions, and strategic timing for beneficiaries.

(37:36) Choosing a Financial Advisor

Choosing the right financial advisor involves recommendations, personality match, fiduciary and CFP status, fees, and interviewing multiple advisors.

(47:27) Generational Legacy in Finance

Joy of multi-generational relationships in finance, community engagement, and "Bite-Sized Finance" show on KFBK, KSTE, and podcasts.

HIGHLIGHTS(07:52 - 08:46) Retirement Impact on Companies

(13:55 - 15:32) California Minimum Wage Impact

(21:28 - 22:52) Market Performance During Political Years

(28:12 - 29:12) Maximizing Roth IRA Contributions

(36:34 - 38:33) Bite-Sized Finance With Kelly Brothers

(43:30 - 45:19) Fee Transparency in Financial Advising

(47:17 - 47:52) Multi-Generational Family Advisor Relationship

How does one man's childhood fascination with thunderstorms lead to a career as the chief meteorologist at a renowned news station? Join me, Kelly Brothers, on Bite Size Finance as we sit down with Mark Finan, KCRA's Chief Meteorologist, who shares his captivating journey from Southern New Hampshire to the University of Utah and beyond. Mark's early love for extreme weather, inspired by his father's enthusiasm and his mother's fears, set him on a path to a storied career that spanned decades.

Mark offers reflections on his professional journey, shedding light on the pivotal moments that defined his tenure at KCRA. From his humble beginnings doing overnight weather segments to becoming Chief Meteorologist in 1997, Mark recounts the unforgettable weather events that marked his career. Hear firsthand accounts of the New Year's Eve storm of 1997, continuous coverage of nearly 96 hours, and the critical updates during the 2017 Oroville Dam crisis. These experiences underscore the vital role of local news in disaster response and the impact of KCRA's diligence in reporting weather related coverage.

As Mark approaches retirement, he opens up about his future plans, including building a photography company and continuing weather forecasting on YouTube. We delve into the challenges of finding unbiased climate change information and the broader issue of science reporting accuracy. Mark is a rare breed of weather anchor in that his passion for the product permeates his very being. His commitment to his viewers has always been to do whatever he needed to deliver the best information to the audience that trusted him.

You can learn more about Marks photography by visiting: www.markfinanphotography.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/

Episode Chapter Summary

(00:00) Mark Finan

Mark Finan's childhood fascination with weather led him to study meteorology at the University of Utah, where his passion for weather patterns remained constant.

(14:21) Television Career Reflections and Opportunities

Professionalism leads to unexpected opportunities in the television news industry, as seen through a personal story of grace under pressure.

(24:51) Memorable Weather Events in Northern California

Mark's journey at KCRA, from overnight weather segments to Chief Meteorologist, and coverage of significant weather events in Northern California.

(29:49) Lessons Learned During Natural Disasters

Local news played a crucial role in disaster response during the 1995 and 1997 floods in Roseville and Marysville, California.

(34:09) Retirement, Climate Change, and AI Weather

Retired meteorologist Mark Finan discusses his new photography company, climate change misinformation, and the accuracy of science reporting.

(47:37) Mark Finan's Art Showcase at Cellars

Mark Finan shares insights on his photography displayed in Capital Cellars, aligning with his passion for wine.

Experience the outcome of unwavering determination with Carmichael Dave, morning show host on Sports 1140 KHTK, in a podcast that promises to leave you with nuggets of wisdom on perseverance and persistence. Join me, Kelly Brothers, as we traverse Carmichael Dave's captivating journey from eager critic to a broadcasting force, weathering multiple setbacks laced with opportunities to grasp his media goals.

Feel the pulse of Sacramento's community spirit as we recount the passionate endeavor to keep the Sacramento Kings' throne intact, with behind-the-scenes tales of untelevised struggles and documentary ventures that never saw the light of day. The episode paints a vivid picture of the city's sports scene through Carmichael Dave's eyes, from an RV trip that played a pivotal role in the team's salvation to the emotional bonds with iconic figures like Grant Napier, Don Geronimo and Kevin Nagle. We don't shy away from the complexity of sports ownership discussions either, delving into the Sacramento Republic FC, the arrival of the Athletics and the aspirations of Vivek Ranadive.

From personal tales of generosity to the impact of sports on a city's heart, this episode is an eclectic blend of stories that entertain, inform, and motivate the pursuit of one's dreams. It's a story most don't know about a young man who stuck with it, pursued a passion and is now in a spot he's always wanted to be in. It's the Carmichael Dave story most didn't know and one that is refreshing to hear.

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/

Join me, Kelly Brothers, for a heartfelt journey with Andrew Bridge, a man who transformed his turbulent childhood in foster care into a life of advocacy and hope. Listen in as Andrew opens up about his early life marked by his mother's schizophrenia and the traumatic separation that led him to the foster care system. His narrative is a poignant testament to resilience, underscoring the urgent need for systemic reform.

Hear about his transformation from a child in foster care to a Harvard Law graduate, as he shares his path through the uncertainty of temporary foster placements and the sanctuary found in the dedication of public school teachers. Discover the profound impact that education and a single caring adult can have on a foster child's life, exemplified by the vital intervention of a Court Appointed Special Advocate (CASA). This conversation celebrates the role of educators and CASAs in shaping brighter futures for foster children.

We share a deep appreciation for the individuals who dedicate their lives to supporting children in need. Andrew's inspiring advocacy work and his powerful books, "Hope's Boy" and "The Child Catcher," provide insight into the complexities of the foster care system and the importance of a human-centered approach. As you listen, consider the difference you could make as a CASA, contributing to a legacy of positive change in the lives of foster children.

If you're interested in purchasing either of Andrew's books simply click on the link... https://www.andrewbridgeauthor.com/

You can learn more about CASA by visiting www.sacramentocasa.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/

Join me, Kelly Brothers in a conversation with Anh Phoong, the trailblazing attorney from Sacramento who turned her academic struggles into a story of triumph. Her journey from a business major at Sac State to the valedictorian of Lincoln Law School is nothing short of cinematic, filled with twists of fate and tenacious grit. Ann's candid recollection of her early days, battling with LSAT scores and juggling work at the Public Defender's Office, is a powerful narrative that showcases the resilience required to make it in the legal world.

In a profession where your reputation precedes you, Anh Phoong rewrites the script on how to build a legal practice. Listen as she details the strategic advertising moves that catapulted her firm into the spotlight, from eye-catching billboards to her first-ever podcast appearance, right here on Bite Sized Finance. Her savvy marketing techniques aren't just about creating buzz; they're an integral part of her firm's impressive growth, even amidst the uncertainties of the COVID-19 pandemic. Anh's ability to seize opportunities and her insights into the future of AI in law underscore the importance of innovation in an ever-evolving industry.

It's not all about the courtroom drama and business acumen either. Anh also opens up about the personal challenges she faces as a working parent in a demanding profession, offering a glimpse into the delicate balance that many strive for yet often find elusive. Her story is not just inspiring for those in the legal sector but for anyone chasing their dreams while managing the tightrope walk of work-life balance. Hers is a compelling tale that merges the heart of justice with the art of marketing—a lesson in perseverance and the power of well-placed marketing.

To learn more about Phoong Law visit: https://phoonglaw.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/