In this episode of the Chamber Connect Podcast, Colin speaks with Ralph Rubino, owner of TriCity Financial in Goderich, about the realities of financial planning for entrepreneurs and sole proprietors. Ralph explains why true financial wellness goes beyond numbers, emphasizing the value of understanding the whole picture—business and personal. He and Colin discuss building a trusted team of experts, from accountants to lawyers, to help small business owners avoid costly mistakes and focus on growth. Ralph also shares his personal story behind the “Heart to Heart” name, inspired by a life-changing event involving his father. The conversation highlights Tri-City’s employee wellness program, Ralph’s engagement in community events like the Corporate Challenge, and his ongoing connection with the Huron Chamber of Commerce. It’s a thoughtful look at how smart planning and collaboration build stronger businesses and communities.