What if your business could scale sustainably—without burnout or chaos?

Viral financial expert and billion-dollar business coach Monica Garcia Duggal reveals how to achieve lasting wealth using her signature Financial BITES Method© and Whole Health Wealth System™.

In this engaging conversation with host Gary Heldt, Monica shares how entrepreneurs can think like institutional investors, create systems that support freedom, and build profit-driven businesses that thrive in any market.

Monica Garcia Duggal is a global financial strategist with over 30 years of experience in investment banking, mergers & acquisitions, and entrepreneurial finance. As the creator of the Whole Health Plan™ and Financial BITES Method©, she helps founders and leaders align their finances, strategy, and mindset for total-life success. In this episode, she joins host Gary Heldt, CPA and wealth strategist, to discuss why most business owners leave money on the table—and how a holistic approach to budgeting, investing, taxes, exit planning, and systems can change everything.
🔑 5 Key Takeaways
→ Think like an investor – Treat your business as an asset that must generate long-term returns, not just revenue.
→ Follow the BITES framework – Budget • Invest • Taxes • Exit • Systems—five pillars that create lasting profitability.
→ Build the right team – Surround yourself with professionals who understand your goals and speak your language.
→ Adopt a growth mindset – Progress beats perfection; consistency compounds into extraordinary results.
→ Measure what matters – Profitability and systems, not just top-line sales, determine a business’s true health.
💬 Quote
“You can’t do everything—but you can start thinking about your company holistically. Profit isn’t just numbers; it’s clarity, systems, and strategy working together.” — Monica Garcia Duggal

Listen now on Grow Your Business & Grow Your Wealth with host Gary Heldt to learn how to use financial clarity and systems thinking to build a business that works for you—not the other way around.

👉 Visit https://www.monicagarciaduggal.com/ to download her free Financial BITES Method Guide.

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What if your financial partner truly knew your name, understood your community, and fought for your long-term stability?

In this episode of Grow Your Business & Grow Your Wealth, guest host Barry Goldwater sits down with Kevin George, CPA and President & CEO of New England Teamsters Federal Credit Union. Formerly CFO at Naveo Credit Union, Kevin shares how his background in accounting and community service led him to champion the credit union model. From helping members avoid financial pitfalls to strengthening union families with dignified retirements, Kevin reveals how credit unions provide the kind of personal service and objective advice big banks simply can’t match.

➡️ 5 Key Takeaways

→ Credit unions focus on people helping people rather than shareholders, giving members better rates and objective advice.

→ Kevin’s career journey shows how professional pivots—from aspiring FBI agent to CPA to credit union leader—can create impact.

→ Teamsters Federal Credit Union combines union strength with modern technology to compete with large banks.

→ Community outreach, from toy drives to youth sports sponsorships, is central to building trust and relationships.

→ Small businesses benefit from direct access to decision-makers in credit unions, ensuring tailored financial solutions.

💬 Quote from Kevin George

"The best move I ever made was joining the credit union world—because every day, I get to help people, not just balance numbers."

📢 Reach out to Kevin on LinkedIn: https://www.linkedin.com/in/kevin-george-cpa-6969128/

Subscribe to Grow Your Business & Grow Your Wealth for more expert insights on building financial stability and growth. Share this episode with your network and leave us a review to help others discover how credit unions can transform their business and personal finances.

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What if every workplace conflict could become a growth opportunity instead of a costly battle?💡

In this episode of Grow Your Business & Grow Your Wealth, Gary sits down with Ursula Taylor, a conflict resolution strategist with 17 years of experience as an attorney and business advisor. After years in litigation, Ursula saw how traditional legal systems often amplify disputes instead of solving them.

Now, through her firm Conflict Reimagined, she helps leaders and teams resolve disputes efficiently and humanely—by addressing the real drivers behind conflict: fear, emotion, and miscommunication. Ursula shares how emotional intelligence, awareness, and honest dialogue can prevent lawsuits, protect relationships, and create stronger businesses.

➡️ Key Takeaways:
→ Litigation is expensive, uncertain, and emotionally draining—most disputes stem from human emotion, not legal facts.
→ True resolution begins by identifying what you really need instead of focusing on being right or wrong.
→ Leaders can prevent conflicts by creating safe spaces for communication before issues escalate.
→ Emotional intelligence and self-awareness are critical tools for business growth and team cohesion.
→ The future of leadership lies in embracing what Ursula calls “the human age,” where emotional work meets strategy.

💬 Quote from Ursula:
“Every dispute is driven by human emotion. When you can face that honestly, conflict becomes a beautiful opportunity to grow stronger as a leader.”

📞 Call to Action:
Learn more about Ursula’s work:  https://www.linkedin.com/in/ursula-taylor-b0ba4729/

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What if scaling your business wasn’t about chasing the next “big idea” but about applying math, discipline, and strategy to your sales process?

In this episode of Grow Your Business & Grow Your Wealth, Gary welcomes Doug C. Brown, CEO of CEO Sales Strategies and a renowned expert who has built over 35 businesses and generated more than $900 million in sales. 

Doug has served as President of Sales and Training for Tony Robbins and Chet Holmes, boosting close rates by 143% and driving a 4,150% increase in product sales. He now helps entrepreneurs and business leaders implement predictable, math-based systems to dramatically increase revenue and profits. 

The conversation delves into why identifying your ideal buyer matters more than closing skills, how overlooked follow-up can lead to millions in lost revenue, and why anchoring your business in truthful numbers is non-negotiable.

5 Key Takeaways

→ Sales growth isn’t magic—it’s applying math to the right metrics.

→ The biggest mistake owners make is not identifying their ideal buyer.

→ Speed to follow-up can double conversion rates—sometimes within minutes.

→ Long-term success comes from relationship capital, not one-off transactions.

→ Anchoring goals to truthful numbers and measuring the right metrics prevents costly blind spots.

Quote from Doug

“Sales isn’t math, but sales revenue growth is how you apply math to the right metrics.”

Ready to strengthen your sales strategy and grow your wealth?

Connect with Doug on his website https://ceosalesstrategies.com/

Subscribe to Grow Your Business & Grow Your Wealth for more expert insights each week, and don’t forget to share this episode with a business owner who’s ready to scale.

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How did a commercial banker who lived just six blocks away from his future employer end up transforming a small investment firm from breaking even to nearly doubling its business in four years?

Brad Wheeler, President of Shaker Investments, shares his journey from commercial banking to leading a growing investment firm. With over 25 years in financial services, Brad has grown Shaker from seven employees and breaking even to eleven employees while nearly doubling the business in four years. He discusses the challenges of scaling a business, the importance of client retention over acquisition, and practical strategies for business development and client communication.

5 Key Takeaways
➤ Client retention is more valuable than acquisition because the hardest client to get is the one you lost.

➤ Balance sheet analysis reveals business blind spots that profit and loss statements miss.

➤ Strategic pivoting requires honest self-assessment and letting go of ego when strategies aren't working.

➤ Communication frequency must match individual client preferences to prevent attrition.

➤ Transparency during both market wins and losses builds stronger client relationships.

Quote by Brad:

"When we make a mistake, that's when you got to get on the phone, and it's when you can talk to people. And I would say most people, when you do that, they're unbelievable. They're understanding and they respect the fact that you picked up the phone and made that call."
Connect with Brad
Website: https://www.shakerinvest.com/
Email: [email protected]

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What happens when your company’s processes are costing you more than they’re helping you?

In this episode of Grow Your Business & Grow Your Wealth, guest host Jack W. Reeder, CLU, ChFC sits down with Hugh Glazer, Managing Director of Winterview Group. Hugh shares why businesses—whether start-ups or long-established firms—must step back from daily operations and map their transaction flows. From uncovering inefficiencies to improving cash flow and creating better decision-making frameworks, Hugh explains how visual workflows can save money, strengthen performance, and reveal opportunities for growth.
Drawing on his decades of experience, including his work with the Goldman Sachs 10,000 Small Businesses program, Hugh talks about the most common mistakes companies make, real-world turnaround stories, and why entrepreneurs need to invest in infrastructure, data analysis, and forward planning to thrive.

📌 Key Takeaways
→ Creating a visual workflow helps leaders see inefficiencies, duplication, and costs that add no value.
 → Start-ups benefit from mapping workflows early, aligning operations with financial data for smarter cash flow management.
 → Established businesses often underinvest in marketing and internal infrastructure—two areas essential for growth.
 → Family businesses and succession planning require clear processes to avoid costly breakdowns.
 → Data-driven decision making is critical: understanding how money is made (and lost) determines long-term success.
🤝 Connect with the GuestHugh Glazer is the Managing Director of Winterview Group, where he helps organizations strengthen their business performance through process design, financial analysis, and operational improvements. With deep experience working with companies of all sizes, Hugh specializes in mapping business transaction flows that uncover inefficiencies, improve cash flow, and provide the clarity leaders need to make informed decisions.
🌐 Website: www.winterviewgroup.com
📧 Email: [email protected]
 🎧 Call to Action
Don’t miss this insightful conversation on how visual workflows can transform your business operations. Subscribe to Grow Your Business & Grow Your Wealth on Apple Podcasts, Spotify, or anywhere you listen—and share this episode with a colleague who’s ready to streamline and scale.

John Reeder, Registered Representative and Investment Advisor of Park Avenue Securities LLC (PAS), 160 Gould Street, Suite 310, Needham, MA 02494. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, 781-449-4402. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is a wholly-owned subsidiary of Guardian. The Bulfinch Group is not an affiliate or subsidiary of PAS or Guardian. Life Insurance offered through The Bulfinch Group Insurance Agency, LLC, an affiliate of The Bulfinch Group, LLC. The Bulfinch Group, LLC is not licensed to sell insurance. The Bulfinch Group is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. John Reeder, CA Insurance License #OF11617; FL Insurance License #A216798. PAS is a member FINRA, SIPC.

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Have you ever wondered why some small businesses thrive on LinkedIn while others struggle to get noticed?
In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Justin Vajko, founder of Dialog and a seasoned marketing strategist, to uncover the secrets behind social media success. Justin’s journey began with a childhood hobby of designing logos, which evolved into a career managing multi-million-dollar marketing initiatives before launching his own firm. Today, he helps founders amplify their pipeline, strengthen their personal brand, and position themselves as thought leaders with smart video and LinkedIn strategies.

Whether you’re a solopreneur or running a growing business, Justin’s insights will help you avoid marketing pitfalls, leverage your personal brand, and turn LinkedIn into a lead-generating machine.

🔑 Key Takeaways
→ Why personal branding matters more than company branding on LinkedIn.
 → The most common mistakes business owners make with social media—and how to fix them.
 → How to use online reviews and testimonials to build trust.
 → Why consistency in posting (even once a week) is better than perfection.
 → A simple framework for creating LinkedIn content that connects with your audience.
💬 Quotes from Justin Vajko
"Businesses die on the altar of ‘more people should know about me’—but not enough people do."

"Your audience doesn’t buy the drill, they buy the hole in the wall."
📌 Connect with Justin Vajko

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❓What if one small change each month could double your business revenue in two years?

In this episode, Gary sits down with Karl Maier, a seasoned CFO and business growth advisor who has helped five companies double their sales in just 24 months. As the founder of Abunden, Karl reveals the surprising reasons companies stall—and how to fix them with smart systems, cash flow forecasting, and people-focused strategies.

Forget the usual "cut costs" advice. Karl brings a fresh, empowering perspective for business owners looking to scale with sanity, strategy, and sustainability. From solving payroll chaos to securing the right kind of funding, this conversation is a must-listen for any entrepreneur ready to get out of the weeds and into growth mode.

🔑 Key Takeaways:
➤ Your biggest bottleneck may be you: Many owners unknowingly block growth by refusing to delegate or improve their management style.
➤ Cash flow is your oxygen: Karl shares his 12-week forecast method that prevents disasters before they happen.
➤ Build the system before scaling: Without repeatable processes, every new client feels like chaos.
➤ Your CPA isn’t your CFO: They serve different purposes—know the difference so nothing falls through the cracks.
➤ AI isn’t scary—it’s your new assistant: From forms to forecasting, Karl shows how simple AI tools can boost productivity and decision-making.

🗣️ “If we make one change each month—even just nine in a year—the impact is phenomenal. Sales don’t move at first, but six months in, something clicks. And by year two? You’ve doubled revenue.”
— Karl Maier, Founder of Abunden 

✅ Call to Action:
🎯 Want to find out how close you are to your first (or next) $10 million?
Take Karl’s free $10 Million Growth Map Quiz and start building your roadmap today at abunden.com.

📲 Connect with Karl on LinkedIn for more insights and real-world business tips. https://www.linkedin.com/in/karlkmaier/

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How are digital assets transforming the way entrepreneurs and business owners build wealth for the future?

In this episode of Grow Your Business & Grow Your Wealth, host Gary Heldt welcomes Jake Claver, Founder and CEO of Digital Family Office. Jake’s firm specializes in bringing the sophisticated financial tools once reserved for ultra-high-net-worth families to business owners and professionals. With a tech-forward approach, he helps clients minimize tax liabilities, optimize financial operations, and build sustainable wealth in today’s digital economy.
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Key Takeaways
➔ Digital assets are no longer fringe — family offices are using them as a serious wealth strategy.
➔ Institutional custody and $100M+ insurance give clients peace of mind in a volatile market.
➔ Smart portfolio allocation keeps crypto exposure low while still unlocking asymmetric upside.
➔ Tax planning and regulatory awareness are critical as laws tighten around digital currencies.
➔ Jake’s entrepreneurial journey proves that solving your own financial challenges can scale into solutions for others.

Call to Action
Discover how digital assets and family office strategies can help you grow and protect your wealth.

Listen now to Grow Your Business & Grow Your Wealth with Gary Heldt for insights that blend innovation, security, and long-term financial success.

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Are you running your money like a great business—or is your business running you?

This week, host Gary Heldt welcomes Greg Luken, founder of Luken Wealth Management and author of Unleash Your Financial Superpowers: How the First-Generation Wealthy Do It (and You Can Too). With nearly four decades in the industry, Greg shares how his unconventional path—from biology student and musician to math-based wealth advisor—shaped his fresh approach to financial management.

Greg reveals the three financial superpowers every entrepreneur and wealth builder needs: purpose, planning, and disciplined execution. He also introduces the two villains sabotaging financial success—FinPorn (financial pornography) and the Lever Denier. 

This conversation is packed with stories, mindset shifts, and actionable wisdom for first-generation wealth creators navigating the balance between business, family, and life.

Key Takeaways:
→ Purpose is your North Star—without clarity, wealth drifts.
→ A concrete, step-by-step plan saves mental energy and drives results.
→ Discipline to execute turns theory into lasting wealth.
→ Beware of “FinPorn”—financial noise that seduces with false certainty.
→ First-generation wealth requires mindset shifts: serve your business, don’t become its servant.

Quote from Greg Luken:
"It’s not about intelligence. It’s not about having all the information. It’s about those simple disciplines—just being faithful and consistent with them."

Learn More & Connect:
🌐 Visit Greg’s website: www.luken.pro
📖 Get the book: Unleash Your Financial Superpowers (available wherever books are sold)

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