Grow Your Business and Grow Your Wealth

Hosted by Gary Heldt

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343

Latest episode

Jun 2026

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EN-US

About the show

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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60 recent

June 10, 2026Episode 32424 min

Episode 324: Is Wall Street Failing Retirement Investors?

Are business owners putting too much trust in traditional retirement advice?In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt talks with Barry James Dyke, President of Castle Asset Management, about the hidden risks inside the financial system, retirement planning, and Wall Street driven investment strategies.Barry shares his contrarian perspective on mutual funds, ETFs, private credit, leverage, banking risk, and why business owners need to think more carefully about liquidity, guarantees, and long term retirement security. He also explains why sequence of returns risk can be one of the biggest threats for people approaching retirement.6 Key Takeaways→ Mutual funds and ETFs may be familiar, but investors need to understand who profits from them.→ Business owners need retirement plans that support liquidity and future exit planning.→ Sequence of returns risk can seriously damage retirement outcomes close to retirement.→ Barry believes too many consumers do not understand how much leverage exists in the banking system.→ Retirement planning should include guardrails, guarantees, and protection, not just market exposure.→ Self-reliance and asking better financial questions are more important than ever.To learn more about Barry James Dyke, his books, and Castle Asset Management, visit:BarryJamesDyke.comVisit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/🎧 Listen to Grow Your Business & Grow Your Wealth here:https://podcasts.apple.com/us/podcast/grow-your-business-and-grow-your-wealth/id1521874291

June 3, 2026Episode 32340 min

Episode 323: The Million Dollar Social Security Mistake

Did you know that a typical retired couple can expect to receive over $1.4 million from Social Security? Yet over 90% of people are getting less money than they are eligible to receive. This isn’t just a small monthly check; it’s one of the most valuable retirement assets you have, and understanding how to unlock its full potential is critical.This conversation on Grow Your Business & Grow Your Wealth with Gary Held and guest, national Social Security expert Ash Ahluwalia, is a masterclass in retirement income planning. Ash demystifies the system's complexity, revealing the costly mistakes many people make and the surprising opportunities they miss. For any professional planning for their future, this episode offers a clear, actionable guide to making smarter decisions about their benefits.Ash Ahluwalia is the Head of Social Security Planning at OneTeam Financial. As one of the nation’s leading experts in retirement income strategies with credentials including CFP®, CSSCS, and NSSA®, Ash has spent nearly 30 years helping thousands of retirees navigate their benefits.Key Takeaways:  - Your Social Security benefits are a pension you cannot outlive. - There are over 500 possible filing strategies for most couples. - The strategy that pays the most money over time is not always the best one. - Planning for survivor benefits as a couple is essential - Recent legislation did not make Social Security tax-free for most seniors. - Business owners can strategically allocate income to enhance their future benefits.Listen to the full episode to gain the clarity and confidence you need to secure your financial future. It’s a conversation that could change the course of your retirement.To learn more from Ash Ahluwalia or to explore a complimentary consultation, you can connect with him at OneTeam Financial. His expertise can provide personalized guidance on your specific retirement income strategy.https://www.oneteamfinancial.com/team/ash-ahluwalia

May 29, 202621 min

Bonus: Why the 60/40 Portfolio No Longer Works

Is the traditional 60 40 portfolio officially outdated?What happens when one of the nation’s top investment minds says the strategy millions still rely on may no longer fit today’s market?In this powerful episode of Grow Your Business & Grow Your Wealth, guest host Terry DuPont sits down with Christopher R. Coolidge, Chief Investment Officer of Brookwood Investment Group, to discuss how modern investors can adapt to volatility, shifting correlations, AI driven opportunities, commodities, tactical portfolio management, and why traditional investment playbooks may no longer be enough.With experience from BlackRock to global macro investing, Chris shares how institutional strategies are now becoming accessible to everyday investors and why the next decade may look nothing like the last. Key Takeaways→ Why the traditional 60 40 portfolio may no longer deliver the protection investors expect.→ How Brookwood uses a 50 30 20 framework to build more durable outcomes.→ Why tactical management is about anticipating change, not reacting emotionally.→ How commodities, silver, energy, and AI infrastructure are creating new opportunities.→ Why ETF innovation is giving Main Street access to institutional-style investing.→ How modern portfolios can seek stronger returns without taking excessive risk. If today’s conversation challenged the way you think about portfolio construction, market risk, and long-term wealth strategy, connect with Chris to learn how modern investment thinking is helping investors navigate a changing world. LinkedIn: https://www.linkedin.com/in/christopher-r-coolidge-cfa-b876a84Website: https://www.brookwoodinvestmentgroup.comConnect with Guest Host Terry DuPontTerry DuPontDuPont Advisory GroupServing Indiana For Over 43 Yearshttps://www.dupontadvisory.com/🎧 Like what you hear? Follow, share, and subscribe to Grow Your Business & Grow Your Wealth so you never miss conversations designed to help you grow smarter and build lasting wealth.

May 27, 2026Episode 32233 min

Episode 322: Stop Managing Start Leading

What if the biggest problem in your business is not strategy, sales, or marketing… but the way your people systems are built?In this episode of Grow Your Business & Grow Your Wealth, Tom Healy joins Gary Heldt to break down why so many growing companies struggle with turnover, chaos, poor communication, and leadership bottlenecks.Tom explains how unclear roles, lack of accountability, missing training systems, and owner dependency quietly hold businesses back from growth and valuation. He also shares practical insights on leadership, AI, documentation, and building teams that can actually scale without constant firefighting.If you’ve ever felt like your business depends too much on you, this conversation will hit home.Key Takeaways.→ Why most “business problems” are actually people problems.→ The hidden danger of building a company around personalities instead of systems.→ How poor onboarding and missing training create turnover before employees even settle in.→ Why documenting processes increases business value and improves succession planning.→ The difference between owning a business and simply owning a stressful job.→ How AI can help employees become more valuable instead of replacing them.Connect with Tom Healy:LinkedInWebsite:PeopleOps360Email:Tom@PeopleOps360.comVisit Gary Heldt's website atSBA AdvisorsConnect with Gary on LinkedIn🎧 Like what you hear? Follow, share, and subscribe to Grow Your Business & Grow Your Wealth for more conversations designed to help business owners grow smarter, scale stronger, and build lasting wealth.

May 20, 2026Episode 32145 min

Episode 321: Empowered Money & the Business Owner’s Path to Freedom

Can your business run without you, or do you simply own a very demanding job?In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Alan Franks, founder of the Business Planning Institute and author of Empowered Money. Alan shares why many entrepreneurs get trapped inside the businesses they build, how business owners can create real financial freedom, and why your company should be treated as a valuable asset, not just a paycheck.Alan also breaks down the “Italy Test,” the importance of liquidity, smart debt, better business systems, and why every business owner needs a strong professional team. This conversation is honest, practical, and packed with advice for owners who want their business to work for them, not consume them. Key Takeaways:→ Your business should create personal wealth, not just income. → If you cannot leave for two to three weeks without losing income or facing chaos, your business may not pass the “Italy Test.” → Business owners need systems, checklists, and SOPs so the company can operate without everything living in their head. → Liquidity matters because it gives business owners safety, options, and the ability to act when opportunities appear. → Every business owner should rank their accountant, attorney, banker, financial advisor, and other professionals from one to ten. Weak advisors hold the business back. → Entrepreneurship is not always freedom. Without structure, it can become another form of being trapped. Quote:“Until then, you just own a job.” Connect with Alan Franks:Visit the Business Planning Institute: https://thebusinessplanninginstitute.com/Learn more about Empowered Money: https://empowered-money.com/Connect with Gary Heldt:Visit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/ 🎧 Like what you hear? Follow, like, and subscribe to Grow Your Business & Grow Your Wealth so you never miss an episode designed to help you grow smarter and faster.

May 13, 2026Episode 32022 min

Episode 320: What Smart Investors Look For Before Backing A Business

What if the biggest threat to your business is growing too fast?This week on Grow Your Business & Grow Your Wealth, host Gary Heldt sits down with franchise powerhouse Terry Blachek, Managing Director at Franvest Capital Partners and one of the original partners behind Orangetheory Fitness.With more than 35 years of experience scaling brands, building teams, leading sales and marketing, and making investment decisions, Terry shares the lessons that helped turn a bold boutique fitness concept into a global powerhouse with more than 1,500 locations across 23 countries.From evaluating unit economics and solving real customer problems to building advisory boards and avoiding costly growth mistakes, this episode is packed with real world advice for entrepreneurs, franchise owners, investors, and business leaders ready to scale smarter. In this episode, you will discover:→ Why the best businesses solve problems, not just sell products.→ The three things Terry looks at before investing in any company.→ Why undercapitalization quietly kills great businesses.→ How poor systems can destroy fast growth.→ Why documented processes are critical before opening location number two.→ The exact makeup of a powerful personal advisory board.→ How confidence grows when you surround yourself with the right people.→ Why perspective may be one of your greatest leadership tools.About Our GuestTerry Blachek is Managing Director at Franvest Capital Partners and a veteran fitness and franchise executive with more than 35 years of experience scaling businesses. As an original partner of Orangetheory Fitness, Terry helped shape the company’s signature pre sale model and later built Austin Fitness Group into one of the largest franchise groups in the system. Today he continues to influence brands as an investor, keynote speaker, advisor, and host of Tuesday with Terry, now more than 100 episodes strong.Connect With TerryConnect with Terry Blachek on LinkedIn:https://www.linkedin.com/in/terry-blachek-78431a174/Listen to Tuesday with Terry on Apple, Spotify, and major podcast platforms.🎧 Like what you hear? Follow, like, share, and subscribe to Grow Your Business & Grow Your Wealth so you never miss conversations designed to help you grow smarter, scale stronger, and build lasting wealth.Visit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

May 8, 202628 min

Bonus: Hidden Tax Risks Hurting Growth

What hidden tax risks could be quietly threatening your business growth?On this episode of Grow Your Business & Grow Your Wealth, guest host Jack Reeder sits down with Brian Weaver, CPA, MBA, a tax technology consultant with deep expertise in transaction taxes, automation, compliance systems, and digital transformation.This is not a conversation about boring tax forms.It is a conversation about risk, growth, systems, and why many business owners do not realize they may have exposure until an audit, penalty, or costly mistake forces attention.Brian shares fascinating stories, including how businesses have been put out of business by missing multistate tax obligations, why the 2018 Wayfair ruling changed everything, and how automation and AI are reshaping tax strategy for the future.If you think taxes are just something your accountant handles once a year, think again.In this episode:→ Why the biggest tax risks are often hiding in ordinary business activity.→ How the Wayfair decision changed compliance for businesses in every state.→ The costly mistakes companies make by relying on outdated processes.→ How automation and AI are transforming tax management.→ Why “that’s how we’ve always done it” can become an expensive habit.→ What every business owner needs to know about where they are doing business and the risks that creates.Memorable quote from Brian Weaver:"Know where you're doing business, how you're doing business, and the potential implications of not doing the right thing."That is not just tax advice. It is business survival advice.This episode makes a compelling case that good tax strategy is not defensive. It is a competitive advantage.Listen in and discover why protecting wealth often starts with asking better questions.Connect with Brian Weaver on LinkedIn: https://www.linkedin.com/in/brian-weaver-cpa-mba-a22510/For more information on Guest Host:Jack W. Reeder, CLU®, ChFC®Chartered Financial Consultant978-335-2267🎧 Like what you hear? Follow, like, and subscribe to Grow Your Business & Grow Your Wealth so you never miss an episode designed to help you grow smarter and faster.Connect with Gary: https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

May 6, 2026Episode 31942 min

Episode 319: The Missing Secret To Success

What if the real secret to success was never missing… just incomplete?In this powerful episode of Grow Your Business & Grow Your Wealth, John Mitchell shares how discovering the “other half” of Think and Grow Rich transformed his income, mindset, and life.At age 50, John realized his results were not matching his potential. After immersing himself in the world’s most famous success book, he uncovered what he calls the missing secret and created a 12 minute daily practice built on neuroscience, subconscious rewiring, and what he calls the science of leveraging yourself.Today, that methodology is taught at University of Texas McCombs School of Business and used with elite athletic coaches and entrepreneurs seeking a serious edge.SummaryThis conversation goes far beyond motivation. Gary and John explore why most people are operating on autopilot, why daily unconscious habits drive outcomes, and how clarity paired with repetition can dramatically change performance.John explains how a simple 12 minute daily habit helped him increase his income 25 times, and why success may depend less on working harder and more on rewiring how you think.Key Takeaways→ The full secret of Think and Grow Rich and what John believes most readers miss→ Why 95 percent of daily thoughts and actions may be unconscious→ How a 12 minute daily habit can help rewire your internal autopilot→ Two scientific principles John says can unlock massive achievement→ How his AI driven framework personalizes success for each individual→ Why high achievers need an edge and how to create one “What you envision in detail, with emotion on a daily basis is what shows up in your life.” - John MitchellSpecial Gift From JohnJohn is offering listeners a free 9 minute video explaining the missing secret, the science behind his method, and how his success template works.Visit: https://themissingsecret.org/Watch the free training and, if it resonates, explore his book The Missing Secret of the Legendary Book Think and Grow Rich.Connect With John MitchellConnect with John on LinkedInVisit https://themissingsecret.org/Connect With Gary HeldtVisit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/If this episode sparked something for you, follow the show, share it with another entrepreneur, and leave a review. It helps more business owners find conversations like this.

April 29, 2026Episode 31828 min

Episode 318: Franchise Myths That Cost You

What if the biggest risk in franchising isn’t the business… but how you choose it?Franchising is often misunderstood, and that misunderstanding can cost entrepreneurs time, money, and freedom. In this episode, Gary Heldt sits down with Kimberley J. Daly, a nationally recognized franchise consultant and business coach, to break down what really matters when evaluating a franchise opportunity.With more than two decades of experience, Kimberley has helped thousands of entrepreneurs move from curiosity to confident ownership. She shares the truth about franchising, the costly mistakes people make, and why mindset plays a bigger role in success than most people realize.This conversation goes beyond strategy and into the psychology of ownership, helping you understand how to choose the right business and build long term wealth the smart way.🔑 Key Takeaways → Most people choose a business emotionally and ignore financial reality → You do not need a million dollars to invest in a franchise → Franchising is not just food and retail, there are far more options → The right franchise is about outcomes, not the product itself → 97 percent of franchises are not worth your investment today  → Success comes from combining strategy with mindset, not just systems → Time freedom, financial freedom, and control are the real goals of ownership💬 Quote Worth Sharing“People don’t really want the business. What they want is the time freedom, the money freedom, and the control.” 🔗 Connect with Kimberley J. DalyVisit: https://www.thedalycoach.com🔗 Connect with Gary HeldtVisit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

April 27, 202628 min

Bonus: Self Storage Investing Without the Headaches

What if passive income is not about chasing the latest flashy strategy, but about getting clear on what you actually want, understanding the risks, and choosing investments that fit your life?In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt talks with Ryan Gibson, President and Chief Investment Officer of Spartan Investment Group. Ryan shares how his journey from airline pilot to real estate investor led him to build a firm that helps investors participate in self-storage without taking on the day-to-day burden of ownership. The conversation covers common investor mistakes, how self-storage really works, where investment capital can come from, and why clarity matters more than hype when building long-term wealth.→ Ryan explains why many high-income earners jump into real estate before deciding whether they actually want an active business or a passive investment.→ He breaks down several ways investors may fund real estate opportunities, including cash, 401(k) loans, leveraged stock accounts, HELOCs, life insurance strategies, and self-directed IRAs.→ Gary and Ryan discuss the difference between direct ownership in a real estate deal and investing through a REIT, especially when it comes to control, tax treatment, and understanding the actual asset.→ Ryan shares what Spartan looks for in self-storage opportunities, including supply and demand, visibility, density, future buyer interest, and rent growth potential.→ The episode also highlights why self-storage performs across changing economic conditions, driven by life events, business needs, downsizing, moving, and renovation. Ryan says about 70 percent of customers are driven by life transitions, while the other 30 percent are business users.→ Ryan closes with practical advice for high earners who make high income but may not be paying enough attention to what they actually keep after taxes, fees, and poor planning.Listen in for a grounded conversation on passive income, diversification, and why the right professional team can make all the difference.More about Ryan:Ryan Gibson | President & Chief Investment Officer Spartan Investment Group | 1633 Westlake Ave N. Suite 120, Seattle, WA 98109 C: 202.696.5112 Website | Invest in Our Values  More about Gary:Visit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/