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The Cardholder Trust Chain: Why Travel Rewards Need to Work Before, During, and After the Trip

Cardholders can spend years earning points, and redemption is the moment they learn whether that value holds up. Behind a single branded rewards experience sits a chain of partners handling booking, points, inventory, and support, yet cardholders only ever see the institution on their card. Rachel Satow breaks down Switchfly's cardholder trust chain: promise, transaction, fulfillment, recovery, and closure, supported by governance. Ian Andersen explains why loyalty points behave like a currency, what the post-pandemic rise in rewards complaints revealed about devaluation, and how hidden caveats quietly erode trust. Together they share practical steps for financial institutions: give every communication an owner, connect support to the cardholder's full history, and document who owns each link before a cardholder finds the gap. Connect with Switchfly Website: https://www.switchfly.com/ LinkedIn: https://www.linkedin.com/company/switchfly/ X: https://twitter.com/switchfly YouTube: https://www.youtube.com/@SwitchflyOfficial Chapters [00:00] Why a loyalty promise has to hold up for decades [03:20] Redemption as the cardholder's moment of truth [04:49] The five stages of the cardholder trust chain [05:48] When search and checkout don't match [06:29] Fulfillment, recovery, and why your brand takes the blame [09:01] Closure, governance, and owning the chain without running every step [12:21] Loyalty points as a currency, and the cost of devaluation [15:14] Hidden caveats and lounge access surprises [17:56] Making a promise you can keep in a sea of sameness [20:32] Outsourcing, clarity, and staying accountable for partners [24:36] Keeping information and ownership with the cardholder [28:01] Different paths for different moments, and the case for one record [30:08] Giving teams the autonomy to solve problems [32:05] Next steps: document the journey and plan for every link to fail Links mentioned Switchfly's cardholder trust chain guide: https://www.switchfly.com/lp/cardholder-trust-chain Loyalty360 article on loyalty program devaluation: https://loyalty360.org/content-gallery/loyalty360-supplier-member-insights/industry-perspectives-rebalancing-value-how-brands-are-navigating-point-devaluation-without-losin CFPB Credit Card Rewards Issue Spotlight (May 2024): https://files.consumerfinance.gov/f/documents/cfpb_credit-card-rewards_issue-spotlight_2024-05.pdf

Paid: Getting It Right vs Getting It Wrong | NFL Players' Podcast #76

The biggest contract of your life is not the number on the headline. Jeff Locke opens with the math on a $132 million deal: $100 million "guaranteed," about $80 million likely to be paid, and roughly $45 million in your pocket after tax and agent fees. From there, Sam Acho, Zach Miller, Jeff Locke, and host Riccardo Stewart go around the table on what it actually feels like to get paid in the NFL, and what separates the players who get it right from the ones who get it wrong. On the wrong side: trusting people you don't need to trust, anchoring your spending to the headline number, and never learning the business of the NFL. On the right side: living simple and staying a ball guy, building a giving plan before the requests come in, thinking like a CEO about who is on your team and how they get paid, and staying educated instead of handing everything off. Three former players, one former coach, no corporate speak. Connect with Us Call or text us: 602-989-5022 Website: https://www.athletefamilyoffice.com YouTube: https://www.youtube.com/channel/UCc1NxpK21N1vKWEExC45YEA LinkedIn: https://www.linkedin.com/company/awmcapital/ Instagram: https://www.instagram.com/awmcapital/ X: https://twitter.com/awmcapital Facebook: https://www.facebook.com/awmcapital/ Chapters 00:00 Cold Open: $132 Million Is Really $45 Million 00:30 Welcome: Getting Paid, Getting It Right vs Getting It Wrong 01:32 Zach Miller: What Signing The Big Deal Actually Feels Like 02:52 Getting It Wrong: Trusting People You Don't Need To (Sam Acho) 04:29 Getting It Wrong: Anchoring Your Spending To The Headline Number (Jeff Locke) 05:54 Getting It Wrong: Not Understanding The Business Of The NFL (Zach Miller) 07:42 Getting It Right: Living Simple And Staying A Ball Guy 08:42 Getting It Right: Building A Giving Plan Before The Requests Come In 09:48 Getting It Right: Thinking Like A CEO 10:48 Getting It Right: Staying Educated, Plus How To Reach Us

How the Refresh App Has Greatly Increased Goodwill's Impact

For every job Goodwill posts, 54 people apply. Now, with the Refresh app, every one of them leaves with job leads, benefits and local resources, and that connection stays in place long after a program or a job ends. We had the privilege of sitting down with Logan Sugarman (Founder and CEO of Refresh), and two Goodwill leaders, Michelle Roberts (President & CEO, Marion Goodwill) and Adrian Gessen (SVP Organizational Development, Goodwill Northeast Texas), who are putting the Refresh app in the hands of the people they serve. What We Cover in the Episode The app sprawl problem. The average corporation runs 200 to 300 apps, tools and channels, and typical HR tools see 10 to 15 percent usage. Refresh sits above all of it and delivers the right resource to the right person. Tearing down Goodwill's digital wall. With 54 applicants for every opening, most people used to hear "we'll call you." Now everyone who applies gets the Refresh app, and one IT applicant called within 48 hours to say thank you after landing a job in Dallas. A housing program nobody knew existed. The Goodwill team used Refresh to find a brand-new rent-assistance program that kept a man over 55 from homelessness. No more benefits cliff. Leaving a program or a job used to cut people off. With Refresh, the relationship, the resources and the community stay. Scale that's already real. More than 1.6 million licenses are distributed, roughly two new Goodwill territories come on every month, and Catholic Charities, YMCAs and food banks are asking to join. Get in Touch Reach out to us to hear more about the opportunity to partner with Refresh and Goodwill: https://www.revotaxpayer.com/?utm_source=revo-taxpayer&utm_medium=podcast&utm_campaign=s4e29-tax-play-employee-benefits-app&utm_content=show-notes. Interested in Refresh for your organization? Book a demo at https://www.refreshplatform.com. Know a charity that could benefit? Refresh has more licenses coming next year. Connect With Us Website: https://www.revotaxpayer.com/ Facebook: https://www.facebook.com/revotaxpayer/ Instagram: https://www.instagram.com/revotaxpayer/ LinkedIn: https://www.linkedin.com/company/revo-taxpayer-advocacy YouTube: https://www.youtube.com/@HiddenMoneyPodcast Chapters [00:00] Introduction: meet the team behind Refresh and Goodwill's rollout [00:58] Logan Sugarman: 200 to 300 apps and 10 to 15 percent usage [03:33] What Refresh actually does: sits above it all and delivers it [04:45] The Google Home analogy: "15 apps to walk into my house" [06:40] How the HR role got reduced to admin [08:37] The 401(k) match our own team didn't know about [09:34] Michelle Roberts: "If I could have all of these things in one place" [11:19] Goodwill is so much more than a donation drop-off [12:41] Adrian Gessen: the digital wall and 54 applicants for every job [14:15] The IT applicant who called within 48 hours to say thanks [14:43] A warm off-boarding, and no more benefits cliff [16:11] Learning from Catholic Charities, the YMCA and the Salvation Army [18:03] Resource guides that were outdated the day they were published [19:42] One question, a ladder of resources [21:02] Mimetic drive, repurposed for good [23:06] "I would like to thank me": gratitude and community in the app [24:36] Covered vs. uncovered employees, and who gets left out [27:53] A helper bot, not a DOS prompt [29:16] The church rent program nobody knew existed [31:34] Why one case manager, or one book, can't keep up [32:33] Case managers, financial coaches and legal advice on demand [32:56] 1.6 million licenses and a queue forming [35:04] Armed forces, first responders and the wider charitable space [37:28] How Refresh serves nonprofits and corporations alike [41:54] Where to learn more about Refresh [42:49] When people don't know help exists [45:57] The compounding effect: 14 questions, and data that serves back [47:43] Caseworker compassion fatigue, and what changes [49:39] The rollout: about two Goodwill territories a month [50:40] The 14 social determinants of wellbeing [52:01] Closing thoughts: "We are so much more than a store" Disclaimer: This content is for educational purposes and does not constitute tax or legal advice. Always consult a qualified tax professional for your situation.

The 1Hundred Year Family: It Takes More Than Money to Build Generational Wealth | NFL Players' Podcast #75

In this episode of the NFL Players' Podcast, Sam Acho, Zach Miller, Jeff Locke, and Riccardo Stewart pick up where last episode's Rich Paul conversation left off: is $200 million actually enough to build a 1Hundred Year Family? The guys break down the three things that separate athletes who build real multi-generational wealth from those who don't — integration (getting your whole team rowing in the same direction), specialization (working with advisors who only serve athletes), and the real numbers behind "ultra wealth," including the estate tax most players never see coming. It's a raw, locker-room breakdown of what it actually takes to make your money outlast your career, and then some. Connect with us • Call or text: 602-989-5022 • Website: https://www.athletefamilyoffice.com/ • LinkedIn: https://www.linkedin.com/company/awmcapital/ • Instagram: https://www.instagram.com/awmcapital/ • Facebook: https://www.facebook.com/awmcapital/ • X: https://twitter.com/awmcapital Chapters [00:00] Recapping the Rich Paul question: is $200 million enough? [00:02] Stats Say No: Jeff Locke on the hard truth about generational wealth [00:03] What Is a Family Office: Why it should be an athlete's first hire [00:04] Integration: Getting your whole team rowing in the same direction [00:05] The Wealth Strategist: Why you need a quarterback, not "a guy" [00:07] Specialization: Why athlete-specific advisors change everything [00:09] Ultra Wealth: What "$30 million net worth" really means [00:11] Peace of Mind: What it feels like when the plan finally works [00:13] How to reach the AWM team

Self-Directed IRA and Solo 401(k): How to Invest in a Private Fund With Tax-Advantaged Capital | The AAA Storage Podcast #46

Disclaimer: This episode is provided for informational and educational purposes only. It is not investment, legal, tax, or accounting advice, and it is not an offer to sell or a solicitation to buy any security. Consult your own CPA, tax advisor, and legal counsel before making any decision about a retirement account or an investment. Past performance is not indicative of future results, and all investments carry risk, including the loss of principal. In this episode, Paul Bennett explains how self-directed IRAs and Solo 401(k)s actually work, why leveraged real estate inside a self-directed IRA can trigger Unrelated Business Income Tax, and the loophole that lets qualifying investors avoid that tax altogether, even on assets they’ve already invested. Ready to talk about your investment strategy? Reach out at https://www.aaastorageinvestments.com/contact New episodes every two weeks. Subscribe on Apple Podcasts, Spotify, or wherever you listen to podcasts, and send this to an investor in your network who needs to hear it. Follow and Connect with Us • LinkedIn: https://www.linkedin.com/company/aaa-storage-investments/ • Instagram: https://www.instagram.com/aaastorageinvestments/ • X: https://x.com/investments_aaa • Facebook: https://www.facebook.com/people/AAA-Storage-Investments-LLC/61575027573292/ Download our free guides to take your investing to the next level: 10 Due Diligence Questions to Vet Any Real Estate Sponsor: https://www.aaastorageinvestments.com/info/10-due-diligence-questions-to-vet-any-real-estate-sponsor First-Time Real Estate Syndication Investor Checklist: https://www.aaastorageinvestments.com/info/first-time-real-estate-syndication-investor-checklist Chapters [00:00] Introduction: why self-directed accounts matter for private real estate investors [01:51] What a self-directed IRA and Solo 401(k) actually are [06:40] How money moves between accounts and the mistake that triggers taxes [09:49] Why your custodian isn’t your investment advisor [14:12] The tax bill most investors don’t see coming: Unrelated Business Income Tax [16:46] The loophole: why a solo 401(k) changes the math [21:16] Who this strategy is for [26:27] Closing thoughts and what’s coming next episode

Hosts

Josh Brake

Josh Brake

Host of Breakthrough Church Podcast
Paul Bennett

Paul Bennett

Host of The AAA Storage Podcast
Ian Andersen

Ian Andersen

Host of Travel Buddy with Switchfly
Nowell Outlaw

Nowell Outlaw

Host of Travel Buddy with Switchfly