Capital Club

What are the unseen emotional investments and risks accompanying family wealth management, and how can families navigate these to ensure generational success?

In this episode, our guest is Thomasina Williams, a pioneering family dynamics consultant who specializes in guiding ultra-high-net-worth families through the complexities of generational wealth transition. Thomasina sheds light on the often-overlooked human elements of family wealth, emphasizing the critical need for investment in family relationships and effective communication to safeguard and perpetuate wealth across generations.

[00:01 - 07:55] The Overlooked Risks in Family Wealth

• The internal family dynamics and external economic factors
• The significance of nurturing family relations to maintain wealth across generations
• The role of effective communication in mitigating risks associated with wealth transition

[07:56 - 14:34] Communication as a Cornerstone

• Communication breakdowns can be the biggest threats to family unity and wealth
• The necessity of developing communication skills within family structures
• Techniques to improve dialogue among family members to foster a healthier family enterprise

[14:35 - 21:29] Conflict Management and Change Navigation

• Strategies to manage conflicts effectively to prevent long-term damage to familial relationships
• Importance of addressing and navigating generational changes sensitively
• Understanding the psychological impacts of unresolved conflicts within family businesses

[21:30 - 28:16] Implementing Effective Family Governance

• The role of governance structures in stabilizing family businesses
• How leadership from the top influences family dynamics and business success
• Techniques for fostering leadership skills among family members

[28:17 - 34:14] Tools for Future Success

• Introduction to practical tools and frameworks to manage family dynamics
• The impact of external consultants in facilitating difficult conversations
• Future directions in family enterprise consulting focusing on women's roles in family businesses

Key Quotes:

"One of our biggest challenges I think as human beings is just to love people for who they are." - Thomasina Williams

"The real investment needs to be in our families, who are the actual bearers of the legacy we wish to preserve." — Thomasina Williams

Connect with Thomasina!

Website: https://www.developfamilyleaders.com/ 

This episode is sponsored by Mack International, a specialized executive search and human capital consulting firm serving the family office/wealth management markets. Please visit their website here for more information.

Connect with me:

https://www.linkedin.com/in/brian-c-adams/ (LinkedIn)

LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON!

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

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

How does the trauma embedded in our DNA influence our personal and professional lives, and what can we do to overcome it?

In this episode, Monica Clare, a global consultant specializing in conflict management and strategic leadership, shares her profound insights into the impact of individual, intergenerational, and collective trauma on business and personal relationships. With a rich background that blends finance, mediation, and psychological safety, she provides actionable strategies for fostering healthier, more creative, and resilient organizations. The conversation delves into the science behind trauma, the importance of self-awareness, and the transformative power of addressing inherited conflicts.

[00:01 - 06:26] Unpacking Conflict: Roots and Recognition

• Understanding the layers of conflict: personal, familial, and systemic
• The role of self-awareness in recognizing and addressing inherited conflicts
• Importance of acknowledging historical and cultural impacts on personal behavior

[06:27 - 12:40] Navigating Through Awareness and Acceptance

• The first steps in conflict resolution are awareness and acceptance of underlying issues
• Self-regulation techniques to manage personal triggers
• The significance of personal responsibility in healing and transformation

[12:41 - 18:23] Implementing Change: Theory and Practice

• Practical applications of theories like polyvagal and epigenetics in everyday interactions
• The benefits of creating a supportive environment for open dialogue and self-reflection
• How structured communication practices can alleviate longstanding familial conflicts

[18:24 - 24:01] Cultivating Compassion and Establishing Boundaries

• Differentiating between empathy and compassion in conflict resolution
• The role of boundaries in maintaining healthy personal and professional relationships
• Strategies for effective negotiation and maintaining boundaries within family businesses

[24:02 - 29:54] Legacy and Leadership: Preparing for Transition

• Preparing family businesses for generational transitions through effective leadership and legacy planning
• The importance of acknowledging and integrating the wisdom of elder generations
• Techniques for ensuring smooth transitions and the continued success of family businesses

Key Notes:

"Responsibility is the ability to respond. If I'm responsible for myself, I'm able to respond to my own reactions, my own issues." - Monica Clare

"If you're in a position of leadership, acknowledging that we're all shareholders in humanity's legacy is crucial for transformative leadership." - Monica Clare

Connect with Monica!

Website: https://www.monicaclare.ca/ 

This episode is sponsored by Mack International, a specialized executive search and human capital consulting firm serving the family office/wealth management markets. Please visit their website here for more information.

Connect with me:

https://www.linkedin.com/in/brian-c-adams/ (LinkedIn)

LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON!

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

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

How is the shifting financial landscape affecting estate planning and wealth transfer between generations?

In this captivating episode of the Capital Club podcast, host Brian engages with Anthony Venette, Director of Business Valuation & Advisory at DeJoy & Co. Anthony brings to the table his expertise in estate planning and business valuation, particularly focusing on optimizing gift and estate tax strategies for business owners. As the financial world grapples with demographic shifts and changing tax laws, Anthony sheds light on the critical intersection of income tax, estate tax, and business valuation, offering valuable insights into strategic wealth transfer across generations.

[00:01 - 08:33] Introducing Anthony Venette

• Anthony's role in business valuation and estate planning
• The demographic shift impacting business and wealth transfer
• The importance of understanding the nexus between generations in estate planning

[08:34 - 16:01] Navigating the Estate Tax Landscape

• Upcoming changes in tax exemption and their impact
• Strategies for optimizing gift and estate tax planning
• The importance of proactive planning in estate management

[16:02 - 24:20] Advanced Estate Planning Techniques

• The use of carried interest in estate planning
• Differences between European and American waterfall structures in funds
• The strategic benefits of early planning in estate tax optimization

[24:21 - 32:12] The Role of Family Offices in Estate Planning

• How family offices can enhance wealth transfer strategies
• The significance of closely held business discounts and appreciation in estate planning
• The impact of legal structures on wealth management

[32:13 - 38:07] Carried Interest and Derivative Sales

• In-depth exploration of carried interest and its role in estate planning
• Understanding the vertical slice rule and carried interest derivative sales
• The need for expert guidance in complex estate planning scenarios

Key Notes:

"We sit at the nexus point between generations, facilitating that handshake from baby boomers to Gen X and millennials." - Anthony Venette

"Estate planning isn't just about the numbers; it's about establishing and preserving legacy." -Anthony Venette

Connect with Anthony!

Website: https://www.teamdejoy.com/contact-us 

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

This episode is sponsored by Mack International, a specialized executive search and human capital consulting firm serving the family office/wealth management markets. Please visit their website here for more information.

Connect with me:

https://www.linkedin.com/in/brian-c-adams/  (LinkedIn)

LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON!

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

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

Could understanding the dynamics of succession planning in family businesses offer clues to navigating personal and professional transitions more effectively?

In this episode, Brian engages with guest Shelley Forsythe in a deep dive into the intricacies of succession planning in family businesses. Shelley, an expert in family governance and legacy planning with BMO Family Office, shares her insights on the importance of early planning, the role of professional advisors, and the emotional complexities involved in handing over the reins to the next generation. The conversation uncovers common pitfalls in succession planning, the significance of communication and external support, and how these elements contribute to the successful transition of leadership and legacy within family enterprises.

[00:01 - 07:21] The Art of Succession Planning

• Succession planning in family businesses and its challenges
• The importance of starting early and integrating technical and qualitative aspects
• The role of professional advisors in facilitating the process

[07:22 - 14:24] Next-Gen Leadership and Legacy

• Preparing the next generation for leadership roles
• Balancing personal passions with family business obligations
• The significance of independent board members in the transition process

[14:25 - 22:06] The Family Meeting Framework

• Strategies for effective family meetings
• The importance of neutral venues and inclusive agendas
• Integrating fun and meaningful activities to strengthen family bonds

[22:07 - 29:14] Navigating Family Dynamics

• Addressing the emotional aspects of succession planning
• The role of family councils in larger family enterprises
• Adapting to generational changes within the family business context

[29:15 - 37:16] Cultivating a Sustainable Family Legacy

• The significance of aligning family values with business goals
• Utilizing family councils for generational representation and decision-making
• The role of philanthropy and social responsibility in the family legacy

Key Notes:

"Succession planning is not just about business transition; it’s about preparing the family for a future that sustains their values, legacy, and relationships." - Shelley Forsythe

"The best time to start planning your succession is yesterday; the next best time is today." – Shelley Forsythe

Connect with Shelley!

Website:https://privatewealth-insights.bmo.com/en/experts/shelley-forsythe/ 

LinkedIn: https://www.linkedin.com/in/shelley-forsythe-fea-cfp-tep-mfa-p-cepa-2171b220/ 

This episode is sponsored by Mack International, a specialized executive search and human capital consulting firm serving the family office/wealth management markets. Please visit their website here for more information.

Connect with me:

https://www.linkedin.com/in/brian-c-adams/ (LinkedIn)

LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON!

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

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

Can the right estate planning approach preserve wealth and prevent family discord, or is the dissipation of wealth an inevitable outcome of generational transitions?

In this episode, Brian sits down with Syd Walker, an estate planning consultant specializing in serving ultra-high-net-worth families. Their conversation delves into the nuanced world of estate planning, asset distribution, and the evolving concept of generational wealth management. Syd shares his journey from a campus minister and foreign missionary to a trusted advisor in the family office space, offering unique insights into creating actionable plans that resonate with family values and long-term objectives.

[00:01 - 06:22] The Evolution of Estate Planning

• Syd's transition from ministry to estate planning
• The impact of family office conferences on industry practices
• The importance of authentic engagement in wealth management

[06:23 - 13:08] Servant Leadership in Wealth Management

• The concept of a 'servant's heart' in serving wealthy families
• The role of empathy and understanding in financial advisory
• Challenges of aligning family dynamics with wealth preservation

[13:09 - 20:14] Personal Stories and Professional Insights

• Syd's personal experience with family and wealth
• Case studies illustrating the scope of his estate planning work
• The process and importance of comprehensive family assessment

[20:15 - 27:42] Entrepreneurial Journey and Client Engagement

• Syd’s experiences and realizations as an entrepreneur
• The significance of problem-solving and education in wealth management
• The process of engaging with families and creating tailored action plans

[27:43 - 34:11] Legacy Beyond Wealth

• Strategies for defining and preserving a family legacy
• The role of governance and practical legacy in estate planning
• Closing thoughts on achieving wealth success and maintaining family unity

Key Notes:

"When you put yourself in the position of a servant, that's exactly how a lot of people will treat you." - Syd Walker

“One of the commonly held thoughts on why most families fail is a lack of trust.” - Syd Walker

Connect with Syd!

Website:https://www.prosperispartners.com/ 

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

This episode is sponsored by Mack International, a specialized executive search and human capital consulting firm serving the family office/wealth management markets. Please visit their website here for more information.

Connect with me:

https://www.linkedin.com/in/brian-c-adams/  (LinkedIn)

LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON!

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

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

How can high-net-worth individuals protect their digital lives from increasingly sophisticated cyber threats? 

In this episode, Chris Pierson, a renowned cybersecurity expert, discusses the dynamic and fast-evolving nature of cyber threats, especially against high-net-worth individuals and family offices. They delve into the complexities of digital executive protection, the nuances of cyber risks for corporations versus individuals, and practical steps for enhancing cybersecurity. The conversation illuminates the multi-faceted approach required to safeguard digital assets, highlighting the importance of active defense and the necessity of adapting to the ever-changing cyber landscape.

[00:01 - 07:10] The Ever-Changing Cyber Threat Landscape

• The rapid evolution of cyber threats and their impact on families and corporations
• The sophistication of cybercriminals and nation-state actors
• The personal experience of cyber threats by high-profile individuals

[07:11 - 14:35] Cybersecurity Dichotomy: Professional vs. Personal

• The disparity between cybersecurity measures in family offices and personal lives
• The concept of being a constant target regardless of one's role or position
• The importance of a holistic approach to cybersecurity across all facets of life

[14:36 - 21:33] Practical Cyber Defense Strategies

• Emphasis on active defense and practical steps to improve cybersecurity
• The critical role of education in combating cyber threats
• Recommendations for implementing robust cybersecurity measures in daily life

[21:34 - 26:32] Balancing Convenience and Security

• The challenge of reducing friction while maintaining high-security standards
• Personal anecdotes and examples of effective cybersecurity practices
• The relationship between user experience and cybersecurity effectiveness

[26:33 - 33:37] Emerging Cybersecurity Trends and Personal Insights

• Discussion on new and not widely reported cybersecurity threats
• Personal routines and practices that contribute to peace of mind in a digital world
• The significance of staying ahead of cyber threats through proactive measures
• 
  

Key Notes:

"Once something is stolen digitally, it's gone forever. That's why protection is so important." - Chris Pierson

"The goal is to try to get the individual to move as far as they can into a better place from a cybersecurity and privacy perspective." - Chris Pierson

Connect with Chris!

Website:https://blackcloak.io/ 

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

This episode is sponsored by Mack International, a specialized executive search and human capital consulting firm serving the family office/wealth management markets. Please visit their website here for more information.

Connect with me:

https://www.linkedin.com/in/brian-c-adams/  (LinkedIn)

LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON!

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

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

How can understanding your family history empower you to make better decisions and create a lasting legacy?

Today, our guest is John Seaman, an accomplished author, historian, and entrepreneur who has dedicated his career to helping families and organizations leverage their histories to shape their futures. John shares his unique perspective on the power of family narratives and how understanding the past can drive meaningful and sustainable decisions for future generations. He discusses the importance of going beyond mere genealogy and delving into the rich, complex stories that define a family's values, experiences, and identity.

[00:01 - 05:29] The Circuitous Route to Family History

• John's background in academic history and biography
• Transitioning from historical consulting to focusing on family enterprises
• The personal anecdote that validated John's path in family history

[05:30 - 10:43] The Power of Family Narratives

• How family history binds families together beyond just money
• The role of family history in decision-making
• The importance of understanding the "why" behind family decisions

[10:44 - 16:39] Best Practices for Capturing Family Histories

• Going beyond genealogy and legacy films to uncover rich, complex stories
• The value of professional research and historical methodology
• The role of family representatives in initiating family history projects

[16:40 - 22:18] Navigating Difficult Pasts and Generational Divides

• The importance of confronting and learning from difficult family histories
• How younger generations can reimagine family values and find their place in the story
• The potential for difficult pasts to serve as narrative drivers for positive change

[22:19 - 31:52] Engaging with Family Histories in the Modern Age

• Common pitfalls and the importance of emotional commitment and trust
• The various formats for presenting family histories
• The value of making family histories accessible among family members

Key Notes:

"Understanding our past helps us make meaningful and sustainable decisions for our family's future." – John Seaman

"A legacy is not just transmitted, but it's also received, and it has to be received for it to carry forward from one generation to the next." - John Seaman

Connect with John!

Website:https://www.saybrookpartners.com/ 

This episode is sponsored by Mack International, a specialized executive search and human capital consulting firm serving the family office/wealth management markets. Please visit their website here for more information.

Connect with me:

https://www.linkedin.com/in/brian-c-adams/  (LinkedIn)

LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON!

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

Have you ever wondered how inheriting wealth can shape one's life beyond the financial aspects? 

In this episode, our guest is Chip Fisher, the founder of Ursus Advisory, a consultancy practice dedicated to advising ultra-high-net-worth individuals and their next generations on the nuances of managing inherited wealth. Chip, drawing from his rich background and personal experiences, sheds light on the idiosyncratic yet emblematic stories of families navigating the complexities of wealth. Through candid discussions, the episode explores the transformative journey of understanding wealth's impact on identity, relationships, and societal contributions. 

[00:01 - 07:56] Exploring Wealth's Waters

• Chip Fisher's journey into the world of wealth consultancy
• The significance of understanding one's origins and the impact of wealth on identity
• The empathetic approach towards advising ultra-high-net-worth individuals

[07:57 - 14:01] Finding Purpose Beyond Money

• The entrepreneurial mindset as a pathway to meaningful engagement with wealth
• The importance of finding purpose and passion beyond financial security
• Insights into Chip's approach to offering value and empathy in his consultancy practice

[14:02 - 21:57] Navigating Personal Connections

• The complexities of relationships within the context of inherited wealth
• Strategies for fostering authentic connections and avoiding the pitfalls of wealth in social dynamics
• Chip's reflections on friendship, partnership, and familial bonds in the shadow of affluence

[21:58 - 28:46] How to Embrace Simplicity and Fulfillment

• Chip Fisher's philosophy on living a meaningful life amidst wealth
• The role of hobbies, interests, and community in enriching one's life
• The importance of self-care and doing things that bring joy and personal growth

[28:47 - 37:11] The Road Ahead for Wealth Stewards

• The future of wealth management and the evolving role of advisors
• Chip's insights into the onboarding process and the journey with his clients
• The significance of self-care and daily practices in maintaining balance and peace

Key Notes:

"The greatest thing you could do for yourself is to be well-read and informed." - Chip Fisher

"You have to live your life as if the money is not a subject you need to deal with all the time." - Chip Fisher

Connect with Chip!

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

Website: https://www.fisherwallace.com/ 

This episode is sponsored by Mack International, a specialized executive search and human capital consulting firm serving the family office/wealth management markets. Please visit their website here for more information.

Connect with me:

https://www.linkedin.com/in/brian-c-adams/ (LinkedIn)

LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON!

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

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

What if wealth was more than just financial capital? How do different forms of capital influence wealth transfer and personal growth within family businesses?

In this episode, Brian engages with Ambreen Bhaloo, a seasoned family enterprise advisor and coach, in a profound discussion on redefining wealth beyond financial measures. Ambreen brings her unique perspective on wealth, emphasizing the significance of human, emotional, social, and spiritual capital. They delve into the nuances of nurturing next-generation leaders, the complexities of wealth transfer, and the transformative power of self-awareness and mindset in personal and professional growth. 

[00:01 - 06:02] Wealth Redefined

• Wealth encompasses more than financial capital; it includes human, emotional, social, and spiritual aspects
• The importance of recognizing and leveraging all forms of capital in wealth transfer
• Stories as powerful tools for understanding and conveying the holistic nature of wealth

[06:03 - 12:37] Personal Growth and Mindset

• The critical role of self-awareness in navigating personal and financial growth
• How mindset shifts can dramatically change one's relationship with money and success
• The benefits of coaching and mentorship in personal development

[12:37 - 18:10] The Power of Vulnerability and Coaching

• Overcoming the stigma associated with seeking help and the importance of coaching
• Ego and fear as barriers to growth, and the value of vulnerability
• The coach's role in facilitating self-discovery and empowerment

[18:10 - 24:46] Next-Gen Education and Wealth Transfer

• Preparing the next generation for stewardship of wealth through education and self-knowledge
• The dynamics of family business and intergenerational wealth transfer
• Empowering women and the younger generation in financial and business matters

[24:46 - 30:16] Creating a Legacy of Empowered Wealth

• The significance of aligning investments with personal values
• The importance of open communication and creating a safe space for dialogue within families
• Encouraging curiosity and non-judgment in family discussions about wealth and values

Key Quotes:

"Fear is often excitement without breath." - Ambreen Bhaloo

“If you have fear, get rid of that fear. Empower yourself. Look at what's underneath the fear and then build the strength.” - Ambreen Bhaloo

Connect with Ambreen!

Website: https://www.ambreenbhaloo.com/ 

LinkedIn: https://ca.linkedin.com/in/ambreenbhaloo 

This episode is sponsored by Mack International, a specialized executive search and human capital consulting firm serving the family office/wealth management markets. Please visit their website here for more information.

Connect with me:

https://www.linkedin.com/in/brian-c-adams/ (LinkedIn)

LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON!

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

Can technology redefine how ultra-high-net-worth individuals manage their estates?

In this episode, Brian engages with Jonathan B. Fishbeck, the visionary behind EstateSpace, a pioneering platform transforming asset management for the high-net-worth sector. Jonathan shares his journey from a computer science background through to becoming a serial entrepreneur, leading to the inception of EstateSpace. The conversation delves into the unique challenges faced by family offices and the ultra-wealthy in managing their extensive portfolios of properties and assets. Jonathan explains how EstateSpace not only addresses these challenges through innovative technology but also positions itself as a crucial player in risk management and strategic planning for its clientele.

[00:01 - 06:33] The Genesis of Estate Space

• Transition from construction to tech entrepreneur
• Identifying the gap in asset management for the ultra-wealthy
• The foundation and mission of EstateSpace

[06:34 - 12:26] Solving Complex Problems

• Tailoring solutions for family offices
• EstateSpace's impact on asset and property management
• The evolution of the platform to meet client needs

[12:27 - 18:47] Understanding the Market's Needs

• Addressing the ultra-high-net-worth market's challenges
• The strategic decision to focus on a niche segment
• Feedback and adaptation to client requirements

[18:48 - 24:13] Innovations and Forward-Looking Strategies

• Advanced task management and insurance optimizations
• EstateSpace's approach to risk management and insurance partnerships
• Expanding the platform with AI and financial management tools

[24:14 - 31:28] Entrepreneurial Insights and Future Outlook

• The importance of understanding market needs and client feedback
• Estate Space's growth strategy and upcoming AI initiative
• Jonathan's advice to aspiring entrepreneurs

Key Quotes:

"At the end of the day, Estate Space is always meant to be easy, secure, and solve the problems of those that they serve." - Jonathan B. Fishbeck

"Listening to our clients and partnering with them has been our greatest strength." - Jonathan B. Fishbeck

Connect with Jonathan!

Website: https://estatespace.com/

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

This episode is sponsored by Mack International, a specialized executive search and human capital consulting firm serving the family office/wealth management markets. Please visit their website here for more information.

Connect with me:

https://www.linkedin.com/in/brian-c-adams/ (LinkedIn)

LIKE, SUBSCRIBE, AND LEAVE US A REVIEW on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in and Stay Tuned for the Next Episode COMING SOON!

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