Grow Your Business and Grow Your Wealth

By Gary HeldtBusiness Entrepreneurship Management

Grow Your Business and Grow Your Wealth episodes

March 29, 2023Episode 136: Richard Culbertson: Back by Demand - 2nd Interview
Richard Culbertson is a highly experienced Social Security attorney with over 20 years of experience in the field, based in Daytona and Orlando, Florida. He is a skilled and dedicated advocate known for his compassionate approach and personalized attention to clients. Mr. Culbertson has helped clients with a wide range of Social Security issues, including disability benefits, retirement benefits, and survivor benefits.

Mr. Culbertson graduated from the University of Florida Levin College of Law in 1999 and is a National Organization of Social Security Claimants' Representatives (NOSSCR) member. He is admitted to practice law in Florida before the United States District Court for the Middle District of Florida. In addition to his legal work, Mr. Culbertson is an active member of his local community, volunteering with non-profit organizations and serving on the board of directors.

Key takeaways from this episode:
Medical evidence is necessary for disability cases, so Culbertson established a separate agency to assist clients with health insurance coverage.
The three main possibilities for health insurance coverage are Medicare, Medicaid, and the Affordable Care Act (ACA).
Medicare is the gold standard and covers those 65 and older or those with Social Security Disability Insurance for 24 consecutive months.
Medicaid is a welfare program for low-income individuals, but the choice of doctors is limited. The ACA offers coverage depending on the financial situation and eligibility criteria.
Private insurance companies may have their requirements in the group policy, such as requiring a person to get Medicare, which could lead to issues with coverage and payments.
Veterans may not have health insurance coverage through the VA, which could lead to problems with Medicare coverage.
Coordination of benefits is essential, as it determines who pays first and who pays second and having multiple types of coverage can be beneficial in covering high medical expenses.
Medicare has different parts, including Parts A and B, which cover hospital and medical insurance.
Part C, or Advantage programs, are offered by private insurance companies and provide additional coverage beyond what Parts A and B cover.
Part D covers prescription drug costs, and supplements are available to cover costs not covered by Parts A and B. Supplements become available to those aged 65 or older, and insurance companies cannot deny coverage due to pre-existing conditions.
Connect with Richard:
Connect with Attorney Richard Culbertson
Phone
Orlando: 407-894-0888
Daytona: 386-253-6811
Leesburg: 352-728-5552
Email
Orlando: [email protected]
Daytona: [email protected]
Leesburg: [email protected]

Connect with Gary:

Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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33 min
March 22, 2023Episode 135: Jason Massie, CPA, ESQ
As Founder and President of MASSIE R&D Tax Credits, Jason is responsible for the quality, consistency, and integrity of our tax credit service offerings. He heads the Delivery Team at MASSIE and leads all Architecture and Controversy Phases for clients across the United States. He received a B.S. in Accounting from Christian Brothers University and a law degree from the University of Memphis. He was first introduced to R&D Tax Credits at a Big 6 accounting firm in Washington, D.C. Over the next few years; he led Big 4 and law firm practices in managing many types of federal and state tax planning, credits, incentives, and other cash flow strategies. He is widely recognized as an expert by his peers in the R&D Tax Credit and R&D Expenditure areas, with frequent speaking and writing engagements.

Here are some of the beneficial topics covered on this week’s show:
What R and D credits are and aren’t.
How do you use technology to improve the process?
An example of how to leverage technology to help with taxes.
The passage of the Tax Cuts and Jobs Act (TCJA) made the research credit permanent in the tax code and made it even more attractive.
The increased interest in r&d tax credit has overwhelmed the IRS, struggling to keep up with the number of tax returns with r&d claims.
The IRS wants to change the form for refund claims and make taxpayers provide more information.
Connect with Gary:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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32 min
March 15, 2023Episode 134: Jamaal Stafford
Jay leverages his experience from nearly a decade of working in complex litigation at two major law firms on behalf of individuals with professional licensing or employment law matters. He has built a successful niche in professional licensing defense, helping licensed professionals in Maryland and Washington, D.C., protect their professional licenses and careers.

Jay relishes counseling, strategizing with, and representing doctors, dentists, nurses, physical therapists, optometrists, real estate agents, social workers, and other licensed Maryland and Washington, D.C. professionals who are forced to assert their rights or defend their reputations against accusations from their professional licensing boards.

Here are some of the beneficial topics covered on this week’s show:
Documentation of performance management issues.
Regarding employment law, why it's better to pay a professional upfront?
An outside HR professional can be cost-effective for the small business owner.
Why employer relationships can change the minute an employee gets an attorney involved
The importance of an employee handbook
The real rule of hours.
Understand what EPLI Insurance is.

Connect with Attorney Jaamal Stafford
Website: https://www.staffordtrialteam.com/attorney-profile/
Baltimore
20 S Charles St.
Suite 901
Baltimore, MD 21201
Phone: 410-514-6099

Connect with Gary:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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31 min
March 08, 2023 Episode 133: Candise and Justin Cernitz
Episode 133 The Grow Your Business and Grow Your Wealth podcast with Gary Heldt
Guest: Candise and Justin Cernitz
For the past ten years, Candise has been the managing partner of Cernitz Law, which she started with her husband, Justin Cernitz, and helped build a successful law firm completely organically without social media, marketing, or much of a digital footprint - 100% through word of mouth and referrals and are proud of what they have built on this, the most solid of foundations. Now, they are charging through the digital age ferociously and expanding out as far as the internet can touch. Candise is a Recipient of the 2022 Elite Lawyer Award and the Lawyers of Distinction Award, recognizing her excellence in insurance law.
Justin is the Founding Partner of Cernitz Law Firm. He counsels and represents clients on various insurance and personal injury legal issues, including First-Party Property Insurance Disputes, Bad Faith Litigation, Medical Malpractice, Personal Injury Protection, Catastrophic Injury, Wrongful Death, and Nursing Home Negligence.
Justin Cernitz originally formed Cernitz Law after working at firms representing injured people and insurance companies. Shortly after opening up Cernitz Law, Justin’s wife, Candise, joined him after working for many years representing insurance companies and policyholders.

Listen to this informative Grow Your Business and Grow Your Wealth podcast.

➡️ Being a lawyer vs. defending the insurance companies.
➡️ Mistakes that people make in personal injury cases.
➡️ How personal injury claims are handled.
➡️ Advice for hurricane preparedness.
➡️ The importance of speaking with an attorney.
➡️ The common issues when it comes to Property Insurance Law.
➡️ When do rates go up when it comes to auto accidents?
➡️ Explanation of Florida's no-fault automobile insurance state

Connect with Candise and Justin:

Website: https://cernitzlaw.com/
Facebook: https://www.facebook.com/cernitzlawmiami
Instagram: https://www.instagram.com/cernitzlaw/
linked-in: https://www.linkedin.com/company/cernitz-law/
Youtube: https://www.youtube.com/@relawtionship

Connect with Gary:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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33 min
March 08, 2023 Episode 132: Candise and Justin Cernitz
For the past ten years, Candise has been the managing partner of Cernitz Law, which she started with her husband, Justin Cernitz, and helped build a successful law firm completely organically without social media, marketing, or much of a digital footprint - 100% through word of mouth and referrals and are proud of what they have built on this, the most solid of foundations. Now, they are charging through the digital age ferociously and expanding out as far as the internet can touch. Candise is a Recipient of the 2022 Elite Lawyer Award and the Lawyers of Distinction Award, recognizing her excellence in insurance law.
Justin is the Founding Partner of Cernitz Law Firm. He counsels and represents clients on various insurance and personal injury legal issues, including First-Party Property Insurance Disputes, Bad Faith Litigation, Medical Malpractice, Personal Injury Protection, Catastrophic Injury, Wrongful Death, and Nursing Home Negligence.
Justin Cernitz originally formed Cernitz Law after working at firms representing injured people and insurance companies. Shortly after opening up Cernitz Law, Justin’s wife, Candise, joined him after working for many years representing insurance companies and policyholders.

Listen to this informative Grow Your Business and Grow Your Wealth podcast.
➡️ Being a lawyer vs. defending the insurance companies.
➡️ Mistakes that people make in personal injury cases.
➡️ How personal injury claims are handled.
➡️ Advice for hurricane preparedness.
➡️ The importance of speaking with an attorney.
➡️ The common issues when it comes to Property Insurance Law.
➡️ When do rates go up when it comes to auto accidents?
➡️ Explanation of Florida's no-fault automobile insurance state

Connect with Candise and Justin:
Website: https://cernitzlaw.com/
facebook: https://www.facebook.com/cernitzlawmiami
instagram: https://www.instagram.com/cernitzlaw/
linked-in: https://www.linkedin.com/company/cernitz-law/
Youtube: https://www.youtube.com/@relawtionship

Connect with Gary:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

Learn more about your ad choices. Visit megaphone.fm/adchoices
33 min
March 01, 2023Episode 131: Jennifer Smith Funn and Aldo
Jennifer Funn has been named the director of the Baltimore region Small Business Development Center (SBDC) at the University of Maryland. The new region will provide services to businesses and entrepreneurs in Baltimore City and Baltimore County. The region is one of 6 centers and more than 23 locations serving Maryland businesses.
As the director, Ms. Funn will be responsible for planning, developing, and implementing all programs offered by the SBDC; identifying resource requirements and strategies in the delivery of such programs and services; and securing and maintaining the funding necessary to accomplish program goals and objectives in this diverse area of the state.
"I am committed to expanding the Maryland Small Business Development Center's services to assist Baltimore City and Baltimore County's entrepreneurs grow and sustain their businesses,“ says Funn.
"Jennifer's knowledge of Baltimore City and Baltimore County, the breadth and depth of her contacts in each, and her knowledge of the SBDC make her an ideal first director of our new Baltimore region," says Paul Bardack, executive director of the Maryland SBDC Program.
Funn has initiated several innovative programs and was named an outstanding staff member by the University of Maryland. She also received a citation from the city of Baltimore for the SBDC Women’s conference and her work to bring an urban farm to the Branch Avenue in Bloom community project.

Aldo Barillas, MBA
Bilingual-Spanish professional with 20 years of experience in community service, education, utility, consulting, and construction business.
Background includes experience in project teams related to business management, human resources, management, and safety areas.
Currently, working as a business consultant for the Maryland SBDC - Baltimore Region in the business area.
This includes assistance and commercial information, start-up, bidding and contract management, general business management and human resources, and coordinating training.

Listen to this informative Grow Your Business and Grow Your Wealth podcast.
Here are some of the beneficial topics covered on this week’s show:
What is the SBDC, and how do they help small businesses?
The importance of writing your business plan yourself.
The West Baltimore project and legal assistance.
The importance of building your team.
Listen to learn all the free resources available from the SBDC.
Aldo shares information on resources available for the Latino population.
Jennifer shares the other resource partners available to Maryland businesses.

Jennifer Funn
Regional Director - Baltimore City / Baltimore County
Maryland Small Business Development Center
an affiliate of the University of Maryland at College Park
240.342.9410 Mobile Number
[email protected]
maryalndsbdc.org

Connect with Gary:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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27 min
February 15, 2023Episode 130: Natalie C. Hall
NATALIE C. HALL ECONOMIC DEVELOPMENT SPECIALIST/VETERAN BUSINESS DEVELOPMENT OFFICER
Natalie C. Hall is an Economic Development Specialist and the Veteran's Business Development
Officer for the U.S. Small Business Administration, North Florida District Office. Natalie joined the NFDO team in April 2012, and enjoys advocating for entrepreneurs and small business owners by helping them access capital, government contracts, mentoring, counseling, and disaster assistance.
Listen to this informative Grow Your Business and Grow Your Wealth podcast.
Here are some of the beneficial topics covered on this week’s show:
What is the SBA: Small Business Administration.
Who are the resource partners for SBA?
Learn about the unknown programs offered by the SBA.
What does it take to become a disadvantaged business?
Common questions regarding the SBA programs.
Understand more about the SBA Certification programs that are available.
Natalie explains her role as Veteran Business Development Officer and programs.

Connect with Natalie:
Natalie Hall
Economic Development Specialist/Veteran’s Representative
North Florida District Office
U.S. Small Business Administration
(904) 443-1902
Cell - (202)765-9470
Fax – (202)481-4721
Email: [email protected]
Website: www.sba.gov/northflorida

Connect with Gary:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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31 min
February 08, 2023Episode 129: Brian Laird
Brian Laird is an attorney in Tucson, Arizona. Brian provides representation and counsel for companies and individuals in business and financial litigation, real estate and development disputes, construction defects, and other commercial litigation. He represents select clients in serious injury and wrongful death cases.

Listen to this informative Grow Your Business and Grow Your Wealth podcast.
Here are some of the beneficial topics covered on this week’s show:
Consider having an attorney draft your operating agreement and not a DIY form.
Making sure you know the steps of litigation.
The difference between an S Corp and an LLC.
Common mistakes people make when starting a business.
Conflicts arise for business owners when they don't have an OA
Why you should feel comfortable asking your attorney follow up questions.

BRIAN A. LAIRD
Tel. 520-230-8878
Fax 520-230-8879
www.blaird.com

Connect with Gary:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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32 min
February 01, 2023Episode 128: Kimberly DeCarrera
Kimberly DeCarrera combines the disciplines of law and accounting to bring business solutions to clients. Kimberly is an accomplished lawyer and accountant with more than 15 years of experience representing companies of all sizes across multiple industries,
including financial services, hospitality, retail, manufacturing, transportation, professional services, and health care. She recently served as in-house counsel and CFO for a transportation brokerage company and serves clients as outside general counsel and business coach. She has a Masters in Tax and a law degree from Georgia State University and a bachelor's of science in business management from Georgia Tech.

Listen to this informative Grow Your Business and Grow Your Wealth podcast.
Here are some of the beneficial topics covered on this week’s show:
The importance of having multiple perspectives on different industries.
Difference between owning a job or owning your business.
Business owners should have a succession plan and incident plan in emergencies.
The importance of having an operating agreement.
Learn about Kimberly’s newest program called Springboard Legal.

Get in touch with Kimberly DeCarrera, Esq. [email protected]
(404) 939-5096 https://decarreralaw.com
Connect with Gary:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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24 min
January 25, 2023 Episode 127: Michael Blom, The Lake Law Firm
As a partner at The Lake Law Firm, Michael Blom focuses on personal injury, pharmaceutical drug injury, medical device liability, and mass tort litigation. Michael also works with business owners to recover refundable tax credits through the employee retention tax credit.
Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Michael J. Blom, Esq. https://podcasts.apple.com/us/podcast/grow-your-business-and-grow-your-wealth/id1521874291
Here are some of the beneficial topics covered on this week’s show:
✅ What is the Employee Retention Tax Credit (ERC)?
✅ What are some of the exclusions to the ERTC?
✅ If a business shuts down, are they still eligible for ERTC?
✅ What happens if you do not use an attorney to apply?
✅ Common mistakes business owners make when trying to apply for the ERTC.
✅Why you should find an attorney to help you qualify; don't take the word from your CPA or Payroll Company.

https://thelakelawfirm.com/
888-LAKELAW
[email protected]
[email protected]
Twitter, Instagram, Facebook, LinkedIn, TikTok: @thelakelawfirm
https://www.facebook.com/thelakelawfirm
https://www.linkedin.com/company/thelakelawfirm/

Connect with Gary:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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34 min

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The Grow Your Business and Grow Your Wealth Podcast with Gary Heldt is the go-to place to help plan for your future. Whether you’re a business owner looking to maximize your tax profit, a parent…