Do you know how to increase your business valuation and appeal to potential buyers?

In this episode, we explore succession planning for business owners guided by the expert business broker, Randy Hendershot. Randy is the Founder and CEO of Evolution Advisors, a company specializing in helping entrepreneurs sell or buy businesses, get an accurate valuation of their company, and create a smooth exit strategy.

Listen to episode 59 of On Life With Helen and get valuable insights on preparing your business for sale, identifying risks, and understanding valuation methods. You'll get Randy's actionable advice on building a transition team and planning to maximize profits and minimize stress. If you are thinking about selling your business or want to learn how to plan for it, you can't miss today's episode!

In This Episode, You Will Learn:

• A bit about Randy's background and entrepreneurial journey (1:50)
• Why early planning is crucial when thinking of selling your business (3:40)
• Randy explains the evaluation and valuation process of selling a business (5:30)
• What are the key drivers of business value (7:00)
• Randy shares success stories and challenges he had throughout his career (18:10)
• How long does it take to sell a business (24:00)

Connect with Randy Hendershot:

• Evolution Advisors
• LinkedIn
• Twitter
• Facebook

Let's Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook Page - Ornellas & Associates Insurance Services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Do you remember what you did with the flyers you went home with after the last conference or entrepreneurial event you attended? Maybe this statistic will refresh your memory: 66% of promotional items are thrown away.

In this episode, Marcie Shelton joins us to talk about an eco-friendly, impactful, and efficient marketing solution, Give2Lead. Marcie is a Leadership and Strategic HR Consultant, with a knack for sustainability and community, and the Founder of Give2Lead.

Listen to episode 58 of On Life With Helen and learn more about Marcie's innovative platform that transformed traditional event swag for non-profit donations, while creating meaningful connections between businesses, their owners, and the communities they belong to. You'll learn how Give2Lead works, why it is ideal for building deeper connections with customers, and why it is the ideal alternative to traditional giveaways.

In This Episode, You Will Learn:

• What is Give2Lead (4:50)
• Marcie explains the importance of quality interactions over quantity of interactions in events (7:20)
• How Give2Lead can help new businesses promote themselves and grow (14:00)
• About Give2Lead's environmental and community impact (20:30)

Connect with Marcie:

• LinkedIn
• Email: [email protected] 
• Phone: 916-755-2402
• Give2Lead website
• Give2Lead LinkedIn

Let's Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook Page - Ornellas & Associates Insurance Services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Do you know anything about microelectronics? Tune in and discover why something so small produced so far from America can affect national security, military defenses, and daily life.

In this episode, Dan Marrujo joins us to unravel the pivotal role of microelectronics and AI in defense and daily technology. Dan is the Founder of Trusted Strategic Solutions and former Chief Strategist at the Defense Microelectronics Activity (DMEA). He has over a decade of experience in national security technology, specializing in microelectronics strategy, supply chain resilience, and innovation.

Listen to episode 57 of On Life With Helen and join Hellen and Dan as they discuss the transformative impact of microelectronics and AI in our daily lives and global industries. You'll also hear about dual-use technologies, why the CHIPS Act has a crucial role in America's future, the lessons learned from the supply chain disruptions in the last three to four years, how AI can help reduce food waste and improve sustainability, and much more.

In This Episode, You Will Learn:

• What are defense microelectronics, and why are they so important (2:20)
• About American's government role in microelectronics development (7:00)
• Why the last couple of years had a massive impact on the supply chain of microelectronics (9:10)
• Why America should be working on becoming a world leader in microelectronics manufacturing and distribution (14:20)
• How AI and microelectronics are shaping our future (19:40)
• Why embracing new technologies is the smartest thing to do (23:50)

Connect with Dan Marrujo:

• Linkedin
• Email: [email protected]
• Phone: 916-778-7402
• Trusted Strategic Solutions
• The Marrujo Foundation
• Trusted Strategic Solutions LinkedIn
• The Marrujo Foundation LinkedIn

Dan Marrujo in the media:

• https://www.eetimes.com/gf-contract-meets-high-mix-of-dod-needs-expert-says/
• https://www.calpoly.edu/news/astronomy-research-fellowship-will-map-one-billion-stars-milky-way-beyond
• https://tignis.com/2022/11/09/tignis-engages-daniel-marrujo/

Let's Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook Page - Ornellas & Associates Insurance Services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

As a business owner and leader, how prepared are you to de-escalate conflicts and mediate during disagreements in the workplace?

In this episode, we learn about the art of addressing polarization and promoting team harmony in the workplace from the brilliant Geoff Hash. Geoff is an experienced employment lawyer and workplace mediator with over 20 years of experience defusing conflicts in professional environments. Relying on open dialogue and trust among team members, he develops creative solutions to complex work-related challenges.

Listen to episode 56 of On Life With Helen and learn how to recognize the need for mediation, create neutrality in conflict resolution, and address underlying personal traumas as the reason behind conflict manifestation in the workplace. Geoff also shares his thoughts on navigating workplace tension due to polarizing issues, the stigma on mental health and therapy that stands in the way of the importance of mental health awareness, how to communicate effectively, and much more.

In This Episode, You Will Learn:

• A bit about Geoff's professional background (1:40)
• Why Geoff is someone you want to have on speed dial (3:20)
• How to establish trust and neutrality in mediation (5:20)
• Navigating social and political disconnect in the workplace (6:50)
• How traumatic experiences influence conflicts in the workplace (11:10)
• How do generational conflicts affect succession planning in business? (19:00)
• Why having no plan is planning to fail and how Geoff can help with this (23:20)

Connect with Geoff Hash:

• LinkedIn
• Visit EiroBridge's website
• Follow EiroBridge on X

Let's Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook Page - Ornellas & Associates Insurance Services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

For how long would your business survive if you were forced to leave it unattended for a few months?

In this episode, Melissa Yano joins us to discuss financial planning for small and medium-sized business owners and sheds light on planning and securing businesses' financial future. Melissa is the President of Capital Wealth Planner and a seasoned financial planner and advisor with almost two decades of experience in the field. She combines her vast technical knowledge with her passion for supporting her client's financial goals and making them possible.

Listen to episode 55 of On Life With Helen and learn how to prepare your business for the unexpected, guarantee smoother transitions, and ensure things will keep flowing even if you have to stay away for a while. Melissa also details the devastating effects of messy or unplanned exits, explains why financial planning is so hard for most people, and debunks the myths about financial planning for businesses.

Plus, Melissa shares expert advice on crafting succession plans, the power of buy-sell agreements, strategies for balancing personal and business finances, and much more.

In This Episode, You Will Learn:

• The differences between financial planning for business and personal financial planning (2:40)
• Melissa talks about the most common challenges in financial planning for business (8:50)
• Why insurance is crucial in financial planning (14:00)
• Learning to identify (and ignore) market noise (18:50)
• It's okay not to be a financial expert. Even if you are a business owner (25:10)

Connect with Melissa Yano:

• Website
• LinkedIn
• Facebook

Let's Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook Page - Ornellas & Associates Insurance Services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Do you feel it is time to get a loan for your business but have no idea where to go, who to ask for, or even what kind of loan fits best in your project? Then, today's episode is a must-listen for you!

In this episode, we inaugurate a series of interviews designed to load your toolbox with valuable resources by chatting with Fabricio Solis. Fabricio is the VP of Business Banking at Banner Bank and an inspirational community leader with over 14 years of experience in lending. As an established advisor and lender, Fabricio's purpose is to help small and medium-sized businesses evolve in their life cycle, grow at the right pace, and get the resources to bring their community the value only they can produce.

Listen to episode 54 of On Life With Helen and learn more about the loan options available for small and medium-sized business owners, the importance of having a clear mission, vision, and core values statement when getting a loan, and all the information required for a loan application. Fabricio also goes through the three main reasons for business loans, the options of access to capital for different stages of business, SBA 504 and SBA 7a loans, banks' evaluation criteria for loans, and much more.

In This Episode, You Will Learn:

• A bit about Fabricio's background and experience (2:40)
• Three reasons why businesses need a loan (6:00)
• Understanding line of credit functionality (8:40)
• What do you need to know before applying for a loan? (14:00)
• Why Banner Bank is the Goldilocks bank? (19:10)
• Fabricio shares valuable insights on leadership (25:40)

Connect with Fabricio Solis:

• LinkedIn
• Email: [email protected]
• Phone: 916-622-6999

Let's Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook Page - Ornellas & Associates Insurance Services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Are you a Medicare beneficiary and haven't received the 2025 Annual Notice of Changes letter (ANOC) from your insurance provider?

Medicare's Annual Enrollment Period (AEP) is just weeks ahead. It goes from October 15th through December 7th, and the information shared in the ANOC letter is all you have to decide whether or not to switch to a different Medicare Advantage plan.

In this episode, Rosamaria Marrujo explains what you should pay attention to as soon as you put your hands in the ANOC letter. Rosamaria is an expert in Medicare, an advocate for beneficial legislative changes in Medicare, and the Founder and CEO of Trusted American Insurance Agency.

Listen to episode 53 of On Life With Helen and join Rosamaria and me as we break down everything you need to know about the 2025 ANOC letter, why it is crucial to read it carefully and keep it, the challenges posed by the new CMS guidelines, and the impact of the Inflation Reduction Act on the healthcare system. You'll also hear about the pitfalls you can avoid by working with knowledgeable agents, the impact of the maximum of $2000 for out-of-pocket prescriptions, and much more.

In This Episode, You Will Learn:

• Why you should have the ANOC letters in your hands before October 15th (3:40)
• Rosamaria explains why you shouldn't throw your ANOC letter (6:20)
• How will the maximum $2000 out-of-pocket restrictions affect Medicare beneficiaries (13:00)
• Rosamaria talks about new prescriptions and drug policies coming up (17:30)
• About the upcoming changes in Medicare Supplements (23:00)

Connect with Rosamaria Marrujo:

• LinkedIn
• Trusted Insurance American Agency

Let's Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook Page - Ornellas & Associates Insurance Services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Are you nearing Social Security age and feeling unsure about how to maximize your benefits? We've got you covered!

Since Social Security folks are not there to provide guidance on which option is best for you, consulting an expert is the best chance you have to make the right choice when claiming your benefits.

In this episode, David Brabender takes us through the complexity and potential pitfalls of navigating Social Security benefits without expert guidance. David is a local Independent Insurance Agent, the Founder of Atman Insurance Services, and the incoming President of CAHIP-Northern California, a local chapter of the National Association of Benefits and Insurance Professionals (NABIP). His philosophy is simple; try to leave the world a little better than he found it. His goal is to become a trusted advisor, to provide answers, options, and peace of mind.

Listen to episode 52 of On Life With Helen to learn everything about common mistakes like claiming benefits too early, survivor and non-working spouses' benefits, and the impact of working while claiming benefits. David also explains how divorced individuals can claim benefits based on their ex-spouse's earnings record, shares tools and resources for making informed decisions about the best time to claim benefits, explains the tax implications of Social Security benefits, and much more.

In This Episode, You Will Learn:

• A bit about David's background and expertise (2:20)
• What are the common mistakes in Social Security planning (3:30)
• David talks about tools for Estimating Life Expectancy (5:20)
• Survivor and non-working spouses' benefits (6:00)
• What are the limitations on changing benefits choices (9:40)
• Strategies for divorced individuals (11:20)
• David explains the impact of working while claiming benefits (13:00)
• Understanding Social Security and taxes (17:40)

Connect with David Brabender:

• Website
• LinkedIn
• Facebook

Let's Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook Page - Ornellas & Associates Insurance Services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Still unsure of how Medicare changes will affect your health coverage in 2025?

The new $2,000 out-of-pocket for prescription drugs, the changes in formularies, and changes in the coverage of weight loss drugs are some of the many modifications awaiting Medicare beneficiaries in 2025.

In this episode, we get all our doubts about the upcoming changes for Medicare's 2025 annual enrolment period answered by expert guest Rosamaria Marrujo. Rosamaria is the Founder and CEO of Trusted American Insurance Agency and an expert with over 20 years of experience in the Medicare market. She is also a mentor for brokers, an advocate for beneficial legislative changes in Medicare, and a sough-after speaker passionate about engaging with seniors and empowering them to make informed insurance decisions.

Listen to episode 51 of On Life With Helen and learn everything about the implications of the new $2,000 drug cap, the possible changes in carrier plans, and what will happen with zero to forty cents a month Premiums. Rosamaria also explains why working with a broker is essential to navigating the complexities of the upcoming changes in Medicare, supplemental drug plan clients' chances of getting help without moving to advantage plans, what should Extra Help beneficiaries expect in the future, and much more.

In This Episode, You Will Learn:

• Rosamaria shares her thoughts on the upcoming $2,000 out-of-pocket limit for prescription drugs (3:20)
• What are the changes we can expect in Premiums (6:30)
• How will Medicare formularies change in 2025? (8:00)
• What is the Prescription Payment Plan Program? (16:50)
• Ancillary benefits for Supplement Plans (20:10)
• Extra Help programs: Benefits and upcoming changes (22:30)

Connect with Rosamaria Marrujo:

• LinkedIn
• Trusted Insurance American Agency
• Trusted Insurance American Agency Facebook

Let's Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook Page - Ornellas & Associates Insurance Services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.

Wondering what Medicare updates you need to be aware of for 2025?

In this episode, Helen goes through every major change in Medicare for the next year. From the $2,000 limit cap on out-of-pocket drug costs to changes in formularies, here is everything you must know to ensure you choose the right plan to stay on in 2025.

Listen to episode 50 of On Life With Helen and discover everything you need to know about the importance of getting professional assistance, the new Prescription Payment Plan Program, and why it is crucial to think about early engagement in the enrollment process. You'll also hear Helen's thoughts on the $2,000 limit on costs for drugs starting on January 1st, 2025, evaluating supplemental plans versus advantages plans during enrollment, and more.

In This Episode, You Will Learn:

• Helen talks about the $2,000 limit on out-of-pocket costs for drugs (2:30)
• What are the changes you can expect in monthly premium fees (3:10)
• Why it is crucial to get professional assistance (4:30)
• What is the Prescription Payment Plan Program (7:10)
• Supplemental plans versus Advantage plans (8:20)

Resources:

• Prescription Payment Plan Program

Let's Connect!

• Email
• LinkedIn
• Website - Ornellas Insurance
• Facebook Page - Ornellas & Associates Insurance Services
• Facebook Profile Helen Ornellas Lanham

Hosted on Acast. See acast.com/privacy for more information.