It is not too late to build what comes next.

But the next chapter will require more than motivation.

In this episode of the What Comes After Success? series, Garrick Francis sits down with entrepreneur, sales leader, speaker, trainer, and 3% Mindset Podcast host Steve C. Wilmer.

Steve shares his journey from a 1.9 high school GPA, to the United States Marine Corps, law enforcement, the U.S. postal service, insurance, and sales leadership to building a successful multi-million dollar business and helping others strengthen their mindset, skills, income, and execution.

This conversation is not simply about making more money.

It is about recognizing that you may still have something meaningful to build, people to serve, wisdom to deploy, and a family to prepare.

Garrick and Steve discuss:

• Why it is not too late to begin a new chapter

• Why discipline beats motivation

• How to work your 9-to-5 while building your 5-to-9

• Why the people around you shape what you believe is possible

• How your mindset unlocks your skill set

• Why successful people must keep learning

• How to turn income into opportunity, impact, and inheritance

• Why inheritance has to come with instructions

• Steve’s eight rules of money

• Why Steve considers his family his greatest measure of success

Steve offers a direct reminder to anyone asking what comes next:

Motivation may help you start.

Discipline and execution are what carry the work forward.

ABOUT STEVE C. WILMER

Steve C. Wilmer is an entrepreneur, sales trainer, speaker, and host of the 3% Mindset Podcast.

Subscribe to the 3% Mindset Podcast on YouTube and find Steve on social media under Steve C. Wilmer.

Connect with Steve at:

• www.RiskAdvisorInstitute.com

• https://youtube.com/@3percentmindset?si=23QUy0IMILq6Cse4

• Strategy Call: https://schedulewithbillwhitley.as.me/CallWithSteveWilmer

ABOUT GARRICK FRANCIS

Garrick Francis is the founder of Francis Legacy Bridge Partners and host of the Inheritance to Income Podcast.

Francis Legacy Bridge Partners helps founders, families, and leaders prepare people and systems, not just assets, for what comes next.

Explore resources and learn more:

https://francislbp.com

Subscribe to Inheritance to Income for conversations about leadership, transition, family, responsibility, stewardship, and what comes after success.

Inheritance may begin by default. Legacy requires design.

#WhatComesAfterSuccess #SecondChapter #InheritanceToIncome

What happens when the job, title, or professional identity you carried for decades suddenly changes? And how do you recognize the value that still comes with you?

In this episode of the What Comes After Success? series, Garrick Francis sits down with career and leadership strategist Janice Coleman for a thoughtful conversation about career disruption, reinvention, purpose, faith, leadership, and what comes next after a successful first chapter.

Janice explains why losing a role can feel like losing part of yourself—especially when your identity has become attached to your title. But as she reminds us, the company may own the title. You carry the experience, judgment, relationships, resilience, and value beneath it.

Together, Garrick and Janice explore:

* Why career disruption can become an identity disruption

* How to separate who you are from what you do

* Why good leaders prepare others instead of trying to remain indispensable

* What happens when knowledge and responsibility are never transferred

* Why retirement without structure can become wandering

* How faith and fear can exist at the same time

* Why inheritance must come with context, responsibility, and instruction

* How to recognize when you are ready for your next chapter

This conversation is especially relevant for executives, public servants, founders, longtime professionals, and anyone navigating a layoff, retirement, career transition, or unexpected disruption.

Your role may change.

Your title may fade.

But the value you developed does not disappear with it.

CONNECT WITH JANICE COLEMAN

Website: http://JaniceColeman.com

Career Triage Program and coaching information are available through her website.

You can also find Janice Coleman on LinkedIn, YouTube, Facebook, and Instagram.

CONNECT WITH GARRICK FRANCIS

Learn more about Francis Legacy Bridge Partners and resources for your next chapter:

Follow & Connect:

Website: www.Francislbp.com

Instagram: https://www.instagram.com/inheritance_to_income/

LinkedIn: https://www.linkedin.com/in/garrickfrancis

Email: [[email protected]](mailto:[email protected])

Subscribe to Inheritance to Income for conversations that help founders, families, and leaders prepare people and systems for what comes next.

Inheritance may begin by default. Legacy requires design.

Let's Talk About It.

#CareerTransition #WhatComesAfterSuccess #InheritanceToIncome

Chapters:

00:00 Why career disruption can feel like identity loss

00:43 Welcome to Inheritance to Income

01:29 When did Janice first feel successful?

01:52 Success is doing what you were designed to do

02:40 The doorstop lesson about purpose

03:48 Like, subscribe, and share

04:11 Can your purpose be repurposed?

05:20 Why repurposing matters

06:36 Janice’s move from technology to helping people

08:49 Excited, scared, and stepping into a calling

10:14 Can you be scared and still have faith?

11:36 Authenticity, transparency, and purpose

12:14 People can handle your glory—but not always your story

13:00 Why the next generation needs context

15:38 Inheritance has to come with instructions

16:46 Passing down resilience, not just responsibility

17:17 Bridging inheritance to legacy

19:18 Career disruption and what comes next

20:32 Why job loss becomes identity loss

21:51 When “I am” becomes tied to a title

22:48 Everything underneath the title is you

23:21 The company owns the title—you carry the value

24:32 The role does not define you

24:49 What leaves when an experienced leader walks out

25:46 If you do not train your replacement, you cannot leave

26:03 The leadership failure nobody expects

27:02 They took a desktop computer to the hospital

28:03 When the team is held hostage by one person

28:37 Why documentation and knowledge transfer matter

29:22 How do you know when it is time to move on?

29:59 What is really next?

31:33 Why the foundation has to set before you build

32:05 Peaceful where you are—but not satisfied

32:41 What if you do not know what comes next?

33:35 When the student is ready, the teacher appears

35:05 Knowing it is time to move—even when you feel shaky

36:24 Awareness before transition

37:11 Why forced change can keep you looking backward

39:01 Comparing yourself to the old you

39:20 Why the rearview mirror is smaller than the windshield

40:32 Retirement as redeployment

41:10 Why retirement without structure becomes wandering

42:04 You still need purpose and something pulling you forward

42:46 Wisdom should never go to the grave

43:19 The Legacy Deployment Gap

44:02 What should you do after a major disruption?

44:40 Do not vent on social media first

45:06 What if the transition is working for you?

46:44 How a career disruption created a thriving business

47:13 The agitation that creates something extraordinary

48:19 Where to find Janice Coleman

49:28 What Janice still feels called to do

50:46 Final reflections on transition and what comes next

Music licensed through Soundstripe.

Code: Y5HDUK9R4K2VSVNT

What happens after a break through?

Cape Verde lost to Argentina, but when the team landed back home, thousands came out to celebrate.

That moment raises a bigger question — not just for soccer, but for founders, family businesses, leaders, professionals, and families:

One win can change everything.

But the win is not the legacy.

The work after the win is.

In this episode of Inheritance to Income, Garrick Francis uses the FIFA World Cup to explore what happens when a team, business, family, or leader experiences a breakthrough and then has to decide what to build behind it.

[ Please excuse my misspeaking of Erling Haaland's name. Names are very important and I regret getting it incorrect.]

Cape Verde proved it belonged.

Norway disrupted Brazil.

Canada reached a new level in its soccer story.

Morocco is showing continuity.

Egypt turned pressure into momentum.

And each story points to the same lesson:

Inspiration is not infrastructure.

That is true in soccer.

It is true in family businesses.

It is true for founders.

It is true for families building wealth, ownership, opportunity, or influence.

A founder can win and still leave the business dependent on them.

A family can build wealth and still leave the next generation unprepared.

A professional can succeed and still not turn experience into guidance.

A company can celebrate the big client and still lack the systems to carry the next season.

The better question is not only, “Did we win?”

The better question is:

• What did the win make possible?

• Who needs to be prepared now?

• What infrastructure must be built behind it?

That is the difference between a breakthrough that becomes a memory and a breakthrough that becomes legacy.

At Francis Legacy Bridge Partners, we help founders, family businesses, leaders, and families clarify what comes after the breakthrough — who needs to be prepared, what responsibility needs to be clarified, and what systems need to be built so success can carry forward.

Start with the Legacy Deployment Reflection at:

FrancisLBP.com

If this episode helps you think differently about your family, business, leadership, or next chapter, please like, subscribe, and share it with someone who is building something that needs to last beyond one big win.

In this episode

00:00 — One win can change everything

01:00 — Cape Verde lost, but did not leave empty

02:30 — The homecoming is evidence

03:30 — From the pitch to family businesses

04:15 — Pride without preparation is fragile

05:00 — Norway, Brazil, and disrupted legacy

06:30 — Established legacy vs. emerging legacy

07:15 — Canada and culture change

08:10 — Morocco and continuity

09:00 — Egypt and momentum

09:58 — We celebrate breakthroughs faster than systems

10:45 — Inspiration is not infrastructure

12:00 — Money is not legacy

13:10 — Francis Legacy Bridge Partners

14:00 — Three questions after every breakthrough

15:00 — Founder wins vs. company legacy

16:20 — Family businesses need more than a good name

17:00 — Emotion without instruction

18:15 — The homecoming is the assignment

20:25 — Like, subscribe, and share

20:50 — Legacy Deployment Reflection

21:35 — The final whistle does not end responsibility

Key Questions

What breakthrough in your family, business, or leadership needs to become infrastructure?

🏆What did your win make possible?

🪜Who needs to be prepared?

💯What responsibility needs to be clarified?

⌛What story needs to be transferred with instructions?

About Inheritance to Income

Inheritance to Income helps founders, leaders, and families move from legacy by default to legacy by design.

We talk about preparing people, not just assets — and helping what has been built carry forward with clarity, responsibility, and readiness.

I’m Garrick Francis, your Legacy Strategist.

Let’s talk about it.

Presented by Francis Legacy Bridge Partners.

Follow & Connect:

Instagram: https://www.instagram.com/inheritance_to_income/

LinkedIn: https://www.linkedin.com/in/garrickfrancis

Email: [[email protected]](mailto:[email protected])

Inheritance may begin by default. Legacy requires design.

What if retirement is not only an ending?

What if the question, “What are you going to do in retirement?” is too small?

The better and bigger question may be:

What can I build from here?

In this episode of *Inheritance to Income*, Garrick Francis explores why retirement may be the ultimate entrepreneurship — not because everyone needs to start a company, monetize every hobby, or keep working forever, but because many people reach a second chapter carrying skills, judgment, relationships, wisdom, credibility, scars, experience, and a lifetime of lessons that still have value.

For some people, retirement is rest, recovery, travel, quiet, family, golf, gardening, and finally stepping away from a decades-long routine.

That is honorable.

But this episode is for the person who hears the word retirement and still feels something unresolved.

The title may be gone.

The calendar may be different.

The old role may have ended.

But the value is not gone.

It may be unleashed.

Garrick talks about what it means to redeploy what is already “in the vault” — your experience, relationships, reputation, judgment, wisdom, and hard-won credibility — into something useful for this next season.

This episode explores:

* Why retirement may be better understood as redeployment

* Why you are not starting from nothing

* Why experienced leaders may already carry what younger entrepreneurs are trying to build

* Why experience is raw material, but still needs direction

* How to think about enterprise, impact, and influence

* Why not every next chapter needs to become a company

* Why wisdom still needs a container

* Why you should prove small before you build big

* Why next-chapter design is not weakness — it is stewardship

* Why the “library” inside you should not be lost to the next generation

The heart of this episode is one question:

What should my experience become now?

If this episode names something you are feeling, start with the Legacy Deployment Reflection at FrancisLBP.com.

Ask:

• What am I invited to give?

• How am I invited to live?

• What am I responsible to steward?

• What should my experience become now?

If that reflection reveals a concrete decision about your next chapter, your work, your family, your leadership, or what you are building now, that may be the right time for a Decision Sprint Fit Check.

Inheritance to Income is brought to you by RiesFrancis Studios and is a Francis Legacy Bridge Partners production.

Inheritance has to come with instructions.

Legacy requires design.

#Retirement#SecondAct#PurposeAfterRetirement#LegacyByDesign#InheritanceToIncome#EntrepreneurshipAfter50

Presented by Francis Legacy Bridge Partners.

Follow & Connect:

Instagram: https://www.instagram.com/inheritance_to_income/

LinkedIn: https://www.linkedin.com/in/garrickfrancis

Email: [[email protected]](mailto:[email protected])

Supported by Ries Francis Studios — helping families, founders, and leaders preserve and create stories through photography, videography, and editing.

https://www.riesfrancisstudios.com

Inheritance may begin by default. Legacy requires design.

Some gaps are not personal. They are structural and they often show up when responsibility has to move.

In this episode of *Inheritance to Income*, Garrick Francis continues the “What Gap Are You In?” conversation by looking at the gaps that can break family and business transitions: succession readiness, authority, relationships, and loss.

Many founders, leaders, business owners, and families assume that naming a successor, creating a plan, or hoping someone will “step up” is enough. But succession does not automatically create readiness. A title does not automatically create authority. Love does not automatically create clarity. And loss can reveal what was quietly holding the family, business, or organization together.

This episode explores:

* Why succession is not the same as readiness

* Why responsibility without authority creates frustration

* How family and business relationships must mature during transition

* Why overdue conversations often hide beneath the appearance of peace

* How loss can expose readiness, authority, communication, and relationship gaps

* Why what you built cannot continue beyond you if it still depends only on you

If you are a founder, family business owner, successor, spouse, adult child, advisor, ministry leader, or community builder thinking about what comes next, this conversation will help you name the gap before pressure becomes crisis.

Write this sentence down:

“The gap I am in is…”

Then ask what kind of clarity, conversation, support, or structure this next season actually requires.

If the gap you are facing involves succession readiness, authority, decision-making, or responsibility transfer, that may be the right time for a Decision Sprint conversation with Francis Legacy Bridge Partners.

Learn more at FrancisLBP.com.

Inheritance to Income helps founders, families, and leaders develop people and systems — not just assets — for what comes next.

Because inheritance may begin by default, but legacy requires design.

#FamilyBusiness #SuccessionPlanning #LegacyPlanning #LeadershipTransition #inheritancetoincome

Presented by Francis Legacy Bridge Partners.

Follow & Connect:

Instagram: https://www.instagram.com/inheritance_to_income/

LinkedIn: https://www.linkedin.com/in/garrickfrancis

Email: [[email protected]](mailto:[email protected])

Sponsored by Ries Francis Studios — helping families, founders, and leaders preserve and create stories through photography, videography, and editing.

https://www.riesfrancisstudios.com

Inheritance may begin by default. Legacy requires design.

What gap are you in?

Most of us are taught how to keep moving: build the business, raise the family, lead the team, solve the problem, make the decision, and keep going.

But life does not always move cleanly from one season to the next.

Sometimes there is a gap.

In this episode of Inheritance to Income, Garrick Francis begins a two-part conversation about the gaps that show up when life, leadership, family, retirement, purpose, and responsibility begin to change seasons.

This first episode focuses on the personal and next-chapter gaps:

* The Identity Gap

* The Legacy Deployment Gap

* The Knowledge / Opportunity Gap

* The Meaning, Faith, and Purpose Gap

* The Wealth / Income Gap

The episode also explores the idea of the “trigger” — the event that gets your attention but may not be the real issue. A business sale, health scare, layoff, empty nest, financial milestone, or season change may reveal a deeper gap that needs to be named before it can be wisely addressed.

This conversation is for founders, leaders, late-career professionals, family builders, business owners, and anyone asking, “What comes next?”

Because different gaps require different responses.

If you misname the gap, you may choose the wrong solution.

If this episode helps you recognize something you are living through, write this sentence down:

“The gap I am currently in is…”

Then begin there.

You can learn more about Francis Legacy Bridge Partners and explore next steps at FrancisLBP.com.

This episode is part one of the Gap Map conversation. The next episode looks at the people-and-system gaps that can break transitions: succession readiness, authority, relationships, and loss.

Presented by Francis Legacy Bridge Partners.

Follow & Connect:

Instagram: https://www.instagram.com/inheritance_to_income/

LinkedIn: https://www.linkedin.com/in/garrickfrancis

Email: [[email protected]](mailto:[email protected])

Sponsored by Ries Francis Studios — helping families, founders, and leaders preserve and create stories through photography, videography, and editing.

https://www.riesfrancisstudios.com

Inheritance may begin by default. Legacy requires design.

What happens when a family builds something great, but one person ends up carrying too much of it?

In this episode of *Inheritance to Income*, Garrick Francis reflects on the Jackson family story — Michael Jackson, Joe Jackson, Katherine Jackson, and the broader family system — not as gossip, not as a movie review, and not as a verdict, but as a legacy design reflection.

The Jackson family gave the world something extraordinary. Music. Performance. Excellence. Cultural influence. But their story also raises deeper questions about family pressure, Founder Gravity, sibling roles, identity, responsibility, and what happens when one child becomes the center of the family legacy.

This episode explores:

* Why family legacy is not just what a family leaves, but what a family forms

* How Joe Jackson represents Founder Gravity

* When drive becomes pressure

* Why Michael Jackson became the visible carrier of the family legacy

* How siblings inherit the system too

* Why greatness without clarity can become pressure

* Why inheritance has to come with instructions

* Five signs that a family system may be placing too much weight on one person

This is a conversation for founders, family business owners, leaders, parents, successors, adult children, and families who want to prepare people — not just assets — for what comes next.

If this episode makes you think about the gifts, pressure, roles, expectations, or unspoken stories in your own family, start with **12 Legacy Building Conversations Every Family Should Have**. Email **[[email protected]](mailto:[email protected])** with the subject line **12 Conversations**.

Because the goal is not to place the whole legacy on one person’s shoulders.

The goal is to build enough clarity that the family knows what it is carrying together.

Subscribe to *Inheritance to Income* for conversations on legacy by design, not default — family legacy, Founder Gravity, responsibility transfer, generational readiness, stewardship, and preparing people for what comes next.

Presented by Francis Legacy Bridge Partners.

And if your family needs help moving from conversation to clarity, reach out. We can begin with a conversation.

Inheritance may begin by default.

Legacy requires design.

🎙️ Garrick Francis

Inheritance to Income Podcast

Francis Legacy Bridge Partners

Follow & Connect:

Instagram: https://www.instagram.com/inheritance_to_income/

LinkedIn: https://www.linkedin.com/in/garrickfrancis

Email: [[email protected]](mailto:[email protected])

Sponsored by Ries Francis Studios

https://www.riesfrancisstudios.com

#InheritanceToIncome #LegacyByDesign #MichaelJackson #JoeJackson #FamilyLegacy #FounderGravity #GenerationalReadiness #FamilyBusiness #LegacyPlanning #Stewardship

Thirty-five years of marriage teaches you something.

Not because everything was perfect.

But because love, faith, decisions, pressure, repair, money, children, family history, and future hopes all have to live under the same roof.

In this episode of the Inheritance to Income Podcast, Garrick Francis reflects on 35 years of marriage to Sheila Monique Whitaker Francis — not simply as an anniversary reflection, but as a legacy conversation.

Because marriage is one of the first legacy systems many families build.

Before the inheritance, before the business transition, before the estate documents, before the family meetings, there is often a couple learning how to make decisions, carry pressure, practice faith, repair what matters, and build something their children can stand on.

This conversation is led by Garrick’s son, Ries Francis — the man behind the camera for Inheritance to Income and founder of Ries Francis Studios.

Together, they explore what marriage teaches about covenant, stewardship, family culture, resilience, values, and what gets carried forward.

In this episode:

• Why marriage is one of the first legacy systems families build

• Why success can be individual, but legacy is relational

• How faith, covenant, and stewardship shape a family over time

• Why love is meaning and motivation — but love still needs structure

• How couples move from doubt, fear, and worry to direction, clarity, and alignment

• Why 50/50 is not always the best way to think about decision-making

• How children inherit more than what parents leave — they inherit what they watch

• Why every family needs a place for honest conversations before crisis forces them

• How marriage moves from building a life to bridging legacy forward

Key idea:

Family legacy is not only transferred in documents. It is formed in daily patterns.

Start here:

If this episode makes you think about conversations your own family still needs to have, request **12 Legacy Building Conversations Every Family Should Have**.

It is a simple guide to help families begin the unaccustomed conversations around values, responsibility, roles, stories, stewardship, faith, and what should not be left to guesswork.

Email **[[email protected]](mailto:[email protected])** with the subject line **12 Conversations**.

And if your family needs help moving from conversation to clarity, reach out. We can begin with a conversation.

Inheritance may begin by default.

Legacy requires design.

#Marriage#Legacy #LegacyDesign #FaithAndFamily #FamilyLegacy #inheritancetoincome

🎙️ Garrick Francis

Inheritance to Income Podcast

Francis Legacy Bridge Partners

Follow & Connect:

Instagram: https://www.instagram.com/inheritance_to_income/

LinkedIn: https://www.linkedin.com/in/garrickfrancis

Email: [[email protected]](mailto:[email protected])

Sponsored by Ries Francis Studios

https://www.riesfrancisstudios.com

Retirement is often sold as freedom.

But for many people, the first feeling is not freedom. It is disorientation.

In this episode of the Inheritance to Income Podcast, Garrick Francis challenges the old retirement story and asks a better question:

Not just, “What am I retiring from?”

But, “What am I stepping into?”

This episode explores the retirement myth, the Legacy Deployment Gap, and why the next chapter should not be defined by withdrawal, drift, or fear but by design, purpose, stewardship, and meaningful deployment.

Through the Give • Live • Steward framework, we look at how legacy builders can use their wisdom, relationships, resources, faith, and experience to create generational impact while they are still here.

In this episode:

• Why retirement can feel like disorientation, not freedom

• Why a financial plan is not the same as a life design

• How retirement exposes the Legacy Deployment Gap

• Why the first year after retirement may need to become a design year

• The difference between planning retirement and redesigning retirement

• Why “I’ll just keep working” is not always a plan

• How to use Give • Live • Steward in the next chapter

• Five moves to step into purpose instead of drifting into retirement

Start here:

If this episode has you asking what this next chapter is supposed to make possible, request the Legacy Deployment Reflection.

It is designed to help you think through what you are called to give, how you are called to live, and what you are called to steward forward.

Email [email protected] with the subject line Legacy Deployment Reflection.

Inheritance may begin by default.

Legacy requires design.

🎙️ Garrick Francis

Inheritance to Income Podcast

Francis Legacy Bridge Partners

#retirement #legacy #PurposeAfterRetirement #stewardship #successionplanning

Follow & Connect:

Instagram: https://www.instagram.com/inheritance_to_income/

LinkedIn: https://www.linkedin.com/in/garrickfrancis

Email: [email protected]

Sponsored by Ries Francis Studios

https://www.riesfrancisstudios.com

Most families think inheritance begins when someone dies.

Inheritance is not only about what transfers after death.

Many adult children inherit something much earlier: responsibility.

In this episode of the Inheritance to Income Podcast, Garrick Francis explores the inheritance no one talks about — the bills, care decisions, medical appointments, housing questions, sibling tensions, and emotional weight that can arrive before a single asset is transferred.

This is not just an elder care conversation. It is a legacy design conversation.

Because families do not just transfer wealth. They transfer responsibility. And responsibility without clarity becomes a crisis.

In this episode, we discuss:

• Why adult children often inherit responsibility before assets

• How longer life changes the family math

• Why love is not a plan — love needs structure

• How care costs can affect the next generation’s financial future

• Why the family home can become the first responsibility someone inherits

• How caregiving can disrupt careers, marriages, health, and business building

• Why inheritance has to come with instructions

• The importance of authority, documents, roles, and family readiness

• Why unaccustomed conversations must happen before crisis forces them

If this episode makes you think, “We have not talked about this,” that is the signal. Start the conversation before urgency decides for everyone.

Question to consider:

Who would need to know what, and who would have authority to act, if something changed?

Download our simple guide to help families begin the unaccustomed conversations around responsibility, roles, authority, care, property, and stewardship.

“12 Legacy Building Conversations Every Family Should Start Today”

👉 https://go.inheritancetoincome.com/family-legacy-conversations

Inheritance may begin by default.

Legacy requires design.

🎙️ Garrick Francis

Inheritance to Income Podcast

Francis Legacy Bridge Partners

Follow & Connect:

Instagram: https://www.instagram.com/inheritance_to_income/

LinkedIn: https://www.linkedin.com/in/garrickfrancis

Email: [[email protected]](mailto:[email protected])

Sponsored by Ries Francis Studios

https://www.riesfrancisstudios.com