Grow Your Business and Grow Your Wealth

Colin Exelby

– The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Episode 005 Colin Exelby

Colin Exelby is the President and founder of Celestial Wealth Management in Baltimore, MD. With over sixteen years’ experience assessing complex financial situations, Colin is a Certified Finacial Planner™ (CFP®) Professional providing comprehensive advice on how to structure and diversify client holdings, manage risk, help assess tax situations, and optimize charitable giving.  His passion is investing. When he began his career as a financial advisor back in 2000 it was the middle of the technology bubble. Much of what he studied was put to the test immediately. It was at that point, Colin realized his calling. He enjoys helping individuals discover and pursue their financial goals over the course of their lives.

He earned his Bachelor of Science Degree in Business Administration, with a major in finance and minor in economics from the Frank Perdue School of Business. He was inducted into to the National Leadership Society, Omicron Delta Kappa his senior year.

Immediately following graduation, Colin accepted a position as a financial advisor at Morgan Stanley in Baltimore, Maryland where he practiced wealth management for nine years. In 2009, he decided to take the next step in his career by starting his own firm Celestial Wealth Management, LLC.

Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Colin Exelby about financial planning and being a Certified Financial Planner™.

Here are some of the beneficial topics covered on this week’s show:

●    How dealing with people’s businesses and money is a highly emotional task.

●    Why CFPs are held to a higher standard than insurance agents and brokers.

●    How it’s important to have an adaptable business if the economy changes.

●    Why you should go back and list the three worst financial decisions you made.

●    How you need to be able to navigate the downside of your business for success.

Connect with Colin:

Links Mentioned:

celestialwealthmanagement.com/bizowner

seetheforestthroughthetrees.com

Guest Contact Info:

Facebook

facebook.com/CelestialWealthMgmt

LinkedIn

linkedin.com/in/towsonfinancialadvisor

YouTube

youtube.com/user/CelestialWealthMgmt

Connect with Gary:

Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

LinkedIn

linkedin.com/in/gary-d-heldt-jr-388a051/

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Scott Smolen established his roots in the business world by cutting lawns in his hometown of Bowie. When Scott was in middle school, he started a landscaping business with one employee—himself—and no plans for expansion. He was just looking to make a few bucks before going back to school. By the end of the summer, the business began to take root in the community, and Scott envisioned for the first time a future for himself as an entrepreneur.

Over the next decade, the business grew strong throughout Bowie, Crofton, Gambrills, and Odenton. It had 25 employees and a long list of satisfied customers when Scott sold the company. The experience gave him a solid foundation for success as a businessman and allowed him to branch out to pursue other business opportunities and interests. Scott moved from Bowie to Piney Orchard and decided to pursue a new career in computer networking. Although he enjoys computers and networks, it lacked the personal element that Scott had come to enjoy as he built his landscaping business. After careful consideration, he decided to begin his career in real estate in 1999 with ReMax and has never looked back.

Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Scott Smolen about buying and selling real estate.

Here are some of the beneficial topics covered on this week’s show:

●    How the first step in selling your home is finding out what your home is worth.

●    Why you should reach out to a realtor before putting your house on the market.

●    How you can talk to a realtor about buying a house before securing financing.

●    How looking at homes has changed during the COVID-19 pandemic.

●    Why selling houses can be emotional experiences for homeowners.

Connect with Scott:

Links Mentioned:

scottsmolen.com

Guest Contact Info:

Twitter

@SBSmolen

Instagram

@scott_smolen

Facebook

facebook.com/ScottSmolenRealtor

LinkedIn

linkedin.com/in/remaxscottsmolen

Connect with Gary:

Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

LinkedIn

linkedin.com/in/gary-d-heldt-jr-388a051/

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Ryan Paquin is a passionate, hard working mortgage consultant and Branch Manager with the brilliant professionals at First Home Mortgage in Crofton, Maryland.

For the past ten incredible years Ryan has made his forward thinking mortgage advice readily available to those clients who choose to be financially responsible homeowners. His gorgeous, easy to locate office is located at the intersection of Route 3/301 and Route 450/Defense Highway in Crofton.

Ryan has lived in Maryland since February of 2002. He graduated from Salisbury University in 1999 with a double major in Finance and Marketing. Before moving to Maryland in 2002, Ryan was a trader on the American exchange in New York City.

Ryan and his wife have two beautiful little girls, Kylie and Kenna and a little boy, Brett. Ryan enjoys spending his free time with his wife and kids and coaching soccer. Ryan helped 237 families in 2014, helping more people purchase a home than anyone in the company. He prides himself on being extremely well versed with First Time Home Buying programs. 

Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Ryan Paquin about working in the mortgage industry. 

Here are some of the beneficial topics covered on this week’s show:

●    How mortgage brokers have to know what happens when the Fed changes.

●    Why it’s important to take an educational approach when consulting your clients.

●    How you don’t want to be house poor and living paycheck to paycheck.

●    Why many people automatically think that they won’t be qualified for a loan.

●    How the internet lenders are not actually required to be licensed.

Connect with Ryan:

Links Mentioned:

firsthome.com

Guest Contact Info:

Twitter

@gofirsthome

Facebook

Facebook.com/gofirsthome

LinkedIn

linkedin.com/company/first-home-mortgage

Connect with Gary:

Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

LinkedIn

linkedin.com/in/gary-d-heldt-jr-388a051/

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The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Episode 001 Chris Klug

Chris Klug is a partner in the D.C. office. He practices in the areas of domestic and international taxation, tax controversy, corporate/business planning, cross-border transactions, and domestic and international estate planning.

Christopher represents companies, private equity funds, hedge funds, joint ventures, real estate funds, and family offices as well as clients in tax audits and controversies and has experience resolving complex tax disputes. He also represents clients with domestic and international private wealth planning issues and provides comprehensive estate planning for individuals, couples, and family businesses.

He specializes in advising clients with dual or multiple nationalities, especially those living outside the US, and their families including unique estate planning challenges and tax considerations and opportunities for individuals and families immigrating to the US.

Christopher has presented US inbound/outbound taxation, US informational filings, taxation of US persons, and estate planning to accountants and other professionals.

Prior to joining Egoavil Klug Salas & Veloso PLLC, Christopher was a partner at an international, middle-market law firm, where he was the managing partner of the D.C. office.

Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Chris Klug about international estate planning.

Here are some of the beneficial topics covered on this week’s show:

●    Why meeting with an international tax lawyer is important to avoid taxation traps.

●    How creating a trust for your money can provide taxation relief in the future.

●    Why a lot of people don’t know they have an obligation to report their assets.

●    How you’re subject to the taxes if you gift someone more than $15k.

●    How you can avoid the gift tax if you place the money in a foreign bank account.

Connect with Chris:

Links Mentioned:

EKSVlegal.com

LinkedIn

https://www.linkedin.com/in/christopher-klug-tax-attorney/

Connect with Gary:

Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

LinkedIn

linkedin.com/in/gary-d-heldt-jr-388a051/

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Fred Creutzer is the owner and operator of Creutzer Financial Services, LLC and has been since 1989 after following in his father’s footsteps. Creutzer Financial Services, LLC, is a second-generation, family-owned and operated financial services firm serving residents of Maryland and surrounding states.

Fred believes education, communication, and interaction with clients on a regular basis are the keys to understanding your financial planning needs and assisting you in achieving your financial goals.

Creutzer Financial assists individuals and business owners in all areas of financial and investment management. Fred is a regular community educator with popular workshop programs on Social Security Retirement Income Planning and Estate Planning Fundamentals. Fred works actively with the large number of federal employees located in his region and has specific training in the benefits planning and retirement needs of civil service and military employees of the United States federal government. 

Fred is a regular contributor on WBALTV and can be viewed on WBAL-TV news programs communicating timely financial information for viewers in the greater Baltimore area. A licensed Registered Representative, Fred’s main mission in his financial practice is to help the average person create wealth and income for their lifetime and families. As president of Creutzer Financial Services, LLC, he fervently strives to help conservative investors grow their financial assets through prudent planning and careful selection of savings and investment options aligned with their individual risk tolerance.

Fred has been married to his wife Cindi for 29 years and they have three children. Fred and Cindi reside in Forest Hill, Md. Fred’s son Freddie joined him in the practice in 2019, following graduation from the University of Maryland with a bachelor’s degree in Arts and Economics.

Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Fred Creutzer about growing your assets through financial planning.

Here are some of the beneficial topics covered on this week’s show:

●    Why you should start saving for your retirement as early as possible.

●    How you need to ask your financial planner if you are maximizing your money.

●    Why business owners think about accumulation instead of their exit plan.

●    How financial advisors don’t ask clients how they can maximize social security.

●    Why people turn on their social security before they actually need it.

Connect with Fred:

Links Mentioned:

creutzerfinacial.com

Guest Contact Info:

Facebook

facebook.com/CreutzerFinancialServices

Connect with Gary:

Website: https://www.sbadvisors.cc/

Facebook: https://www.facebook.com/SmallBusinessAdvisors

LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/

Youtube: https://www.youtube.com/channel/UCnvcP_XPHPFe1sQvMML-G_w?view_as=subscriber

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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 planning for college, or an individual looking to improve your life, Gary is the expert for you.

Guests on the podcast will chat with Gary and share their secrets to build a better financial foundation for your business and your life. Tune in for informative conversation about keeping your finances organized and not wasting your well-earned money.

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