Going back to being relentless, Andre shares his thoughts about persevering no matter what trials or tribulations you go through. He puts emphasis on persistence as a key ingredient to success and the importance of building a routine for yourself. Get to know more of Andre’s insights for success in this latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

ANDRE: ONE MAN’S MESS IS ANOTHER MAN’S BUSINESS

“You have to be persistent. That's why my boat, it's named Relentless. I think that's one of the things that is probably an attribute, that I had that I didn't realize I'm absolutely relentless when I want to get something done, and that's one of the most important things that I would share with you is, you know, you can't give up”

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

What does it take to start your own business? How do you find the right business opportunity? Does it have to be a game-changing idea? In this episode, Andre shares that there are times when you can start a business because of somebody else’s inefficiency and it will be the pain you will be solving. Tune in to find out more about how you can start building your own business like a pro in this latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

ANDRE: ONE MAN’S MESS IS ANOTHER MAN’S BUSINESS

“Result of somebody else's inefficiency, which ultimately led to you know, I'm having a painful situation, and through that painful situation, I'm looking at what's going on, I'm like, how do you make this better, and every business that we have has been a result of that.”

ANDRE: EMBRACE YOUR PEOPLE WHILE RECREATING THE COMPANY

“I like to do like to embrace people and really get to know them, especially if we're working together, and so my ultimate goal here now is just recreating this company, just rebrand it, and just give it a new sense of energy. And so these are some of the little things that it takes if you want to go out and start a new business.”

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

Cord is back and today he continues his discussion about private reserve accounts. He defines what these type of accounts are and breaks down its benefits and how it helps you in the long run by limiting your liability in each individual transaction. Learn more in this latest episode of the Modern Financial podcast.

HIGHLIGHT QUOTES

CORD: PUT IT WHERE YOU DON’T LOSE IT

“It's all about limiting your liability within each individual transaction, and have a non-reportable income as it grows. My friends go out there and be legendary because you are. If there is somebody that you know that's doing real estate transactions without having these accounts, they're doing it the wrong way.”

Where to find Cord:

• LinkedIn: https://www.linkedin.com/in/cordburner/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

Have you ever imagined the possibility of retiring without paying taxes legally? Is it even possible? Is it doable? Well, Cord Burner says yes. Tune in now and learn from Cord and Andre how you can make this happen, and where should you put your money in to achieve it. Find out more in this later episode of The Modern Financial podcast.

HIGHLIGHT QUOTES

CORD: PUT IT WHERE YOU DON’T LOSE IT

“Imagine being able to put your money into an account, to where even if the market loses, you would stay right where you were the year before. But of course, you need to earn money. So I'm not saying give up on your earning opportunity, because it still gets the upsides of the market as well.”

ANDRE: GET A FINANCIAL ADVISOR

“I think one of the most important things for people to realize is that they need to take that first step, and that's meeting with an advisor, regardless of their situation.”

Where to find Cord:

• LinkedIn: https://www.linkedin.com/in/cordburner/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

Cord is back and in this episode, he introduces us to the topics he will discuss in the coming episodes such as divorcing your income from the IRS, finding suitable investments for your money with minimal taxes, and a brief overview of private reserve accounts. Tune in and learn more in this latest episode of the Modern Financial podcast. 

HIGHLIGHT QUOTES

CORD: HOW ABOUT TRYING A PRIVATE RESERVE ACCOUNT?

“What if you could have $1 serve multiple purposes, meaning you could use it to grow it, you could use it to save it, protect it, and you could use that same dollar to go buy real estate and have $1 serve multiple purposes earning on this end, and that end, meaning you're limiting your liability within each individual transaction.”

Where to find Cord:

• LinkedIn: https://www.linkedin.com/in/cordburner/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

Welcome to another episode of the Modern Financial podcast, and today, we have our new co-host Cord Burner, a financial advisor assisting people to legally and safely divorce their income from the IRS. Cord teases everyone to stay tuned in the next seven days as he will be discussing the tips and tricks to gain more freedom with your income. Find out more in this latest episode of the Modern Financial podcast.

HIGHLIGHT QUOTES

CORD: THE PROBLEM WITH TAXES TODAY

“For most people, what I find is when we sit down with them, they have investments that get taxed the most, instead of the least, and when we think about taxes, and the way that things are trending economically, I think we're all seeing that taxes are gonna get worse, not better.”

Where to find Cord:

• LinkedIn: https://www.linkedin.com/in/cordburner/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

If you keep looking straight ahead, you may miss the opportunities that are along the way. In this episode, Andre talks about the importance of learning to “tweak” a few things in your life and learn to diversify with the opportunities you take because it’s not all going to be according to your plan. He also touches on the importance of communication, determining the time spent on planning, and accepting responsibility for yourself. So make sure to tune in until the end of the latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

ANDRE: LOOK AROUND YOU FOR THE BIG OPPORTUNITIES

“So a lot of times when you start your business that doesn't mean that's the way it's going to end. You have to follow along that path and look at the opportunities as they come. And if your eyes are open, you're gonna see a ton of opportunities. One of the issues that most people have is they're not looking at the other opportunities because they're so narrowly focused like the horse that has those things that cover its eyes, so they can only see straight ahead. That's what a lot of business owners do, I think that's one of the biggest mistakes.”

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

Stop thinking about the uncertainties, stop thinking about what if things go wrong, and start thinking about what you’ll do when things go well. It’s another solo ride with Andre today, as he talks about going for success with instinct and intuition. He emphasizes the importance of having a mindset that leans toward positive outcomes. Stay tuned as Andre also breaks down how your health, state of mind, and failures come into play leading to your success in this latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

ANDRE: HAVE A TON OF BELIEF IN YOURSELF

“One of the things that I feel is important for business people is you got to have instinct, you don't have to be the smartest person, you don't have to have the greatest product, you don't have to have all the tools, a little bit of that is just instinct and intuition, and a little bit of belief in yourself, I mean, not just a little, a ton, because when you start to believe in yourself, it puts things on a different level, you start to feel a little bit more certainty.”

ANDRE: FAILURE IS PART OF THE JOURNEY

“When I look at failure, and I could walk around my office, right now you can see, failure is part of the success journey, because you're gonna learn so much along the way, and it's not always about, you know what to do, it's about what not to do.”

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

Andre goes solo today, as he talks about the factors that make a business succeed or fail, especially, when you are starting your own business. Andre discusses the importance of vision and having dreams, knowing how much you need to invest in your business, the struggles you need to face, and how you will know that you are at your turning point. Learn the basics of starting up with Andre in this latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

ANDRE: INVEST IN YOURSELF

“Give yourself more time, and just probably double or triple the amount of money that you're going to need to spend to get your business up and going. So let's talk about spending money. I mean, how often do you invest in yourself? Right now, when you're thinking about if you're thinking about a business, or you just started a business, one of the things I would ask you is, how much have you invested in yourself? And that's one of the things I find is people don't invest in themselves.”

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

You can either do what you hate doing or you can figure out what you want to do and find purpose in it. Andre welcomes Cord Burner on the show as he shares his story of making the radical change from loading semis to being a financial advisor. He also tells his story, where he kept failing at his job and almost giving up, but was given a reminder to keep hanging on and eventually reached his own success. Find out more about this story in this latest episode of  The Modern Financial Podcast.

HIGHLIGHT QUOTES

CORD: MAKE THE CHOICE

“You can either do what you hate doing forever, or you can make that choice and figure out what you want to do and create purpose behind it. So we got fortunate enough to fall into you guys, and kind of the rest is history.”

Where to find Cord:

• LinkedIn: https://www.linkedin.com/in/cordburner/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

The change will happen one way or another, sooner or later. We are in an ever-changing world where both good and bad circumstances can happen. Today, Andre and Winston Correll will be talking about how you can create the change and not let your circumstances change you. The two expand on how mindsets like gratitude and being in the moment can help you create the change for yourself. There’s a whole lot more coming so stay tuned to this latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

WINSTON: THE MINDSET OF GRATITUDE

“I think every situation is different. But being grateful is one of the best things that I could do to change my mindset and keep it on the right track. Being thankful for anything that I have in my life and focusing on that helps to keep the right mindset.”

Where to find Winston:

• LinkedIn: https://www.linkedin.com/in/winston-correll-02a03127/
• Correll Capital: https://correllcapitalpartners.com/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

When it hit us back in 2020, it completely changed the playing field for everybody, the usual business models no longer worked, big businesses faced a challenge they never had, and everyone was forced to rethink their businesses. The same thing happened to Ron Viggiano. In today’s episode, Ron shares how he coped with the times and how an unlikely source of help came to his aid and helped him get back into the business. Tune in to this inspiring story in this latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

RON: WALKING INTO AN UNFAMILIAR TERRITORY

“He said, Can you make a mask? and I was like, ‘Full disclosure. I know nothing about masks, but I'm in no position to say anything other than yes. So yes, I can make masks, let's learn about masks.”

RON: BLESSED WITH INCREDIBLE PEOPLE

“It's simple. I am surrounded by incredible people, and I'm very fortunate.”

Where to find Ron:

• LinkedIn: https://www.linkedin.com/in/ron-viggiano-638584/
• Website: http://www.austintaylor.net/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

Andre sits down with Winston Correll to talk about their Tony Robbins experiences. The two talk about the amazing level of positivity they get in proximity to like-minded people. They also delve into accelerating one’s growth with vision and the importance of recognizing the good that comes with the bad in every situation. Find out more about this amazing experience in the latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

WINSTON: LOOK AT THE TWO SIDES OF THE COIN

“You change your story, you change your life. So just looking at everything that happens in your life, if it's a bad thing, you can sit there and look and say ‘Hey, these are horrible things that happened to me, and we all have those things.’ We all go through those issues and situations, but if you're going to look at the bad, you can't discredit the good that comes from that. What did you learn? How did you grow? What direction did that situation change in your life? How did you change and grow through that? So through every situation, I try to look at those two sides of every coin.”

Where to find Winston:

• LinkedIn: https://www.linkedin.com/in/winston-correll-02a03127/
• Correll Capital: https://correllcapitalpartners.com/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

Building relationships is very important in sales or in business as a whole. But how do you build relationships? How do you get connected with people? How do you keep the relationship going? In this episode, Ron Viggiano shares with Andre his best practices on how he surrounds himself with great people, how he does his follow-ups well, and how he gets himself in front of people. Stay tuned to learn more in this latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

RON: THE UNIQUE WAY OF USING LINKEDIN

“I used LinkedIn in a specific way. Like, if I'm making clothes for a client, I'll punch them into LinkedIn, then I'll see who our mutual connections are. Or, I'll see who their connections are in the same industry. And then I will then target that person in that same industry. And I'll use the referral name, a soft referral, but I'll say, I don't know whether you know this, but I also make clothes for and I'll name off three or four or five people in his industry that I know he would know. It's not like they gave me that referral, I will just mention those names to them, and so I can use LinkedIn all day long. That's kind of an endless means.”

Where to find Ron:

• LinkedIn: https://www.linkedin.com/in/ron-viggiano-638584/
• Website: http://www.austintaylor.net/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

There are times when people hate other people’s guts and persistence in offering their products or services. However, this is not always the case, as persistence can be a life-changer. Today, Andre welcomes Ron Viggiano, as he talks about how persistence and the belief that you are on a mission to better people’s lives can bring positive change to your own life. Stay tuned as Ron also shares how he does his prospecting by driving around chasing cars in this latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

RON: HAVE THE BELIEF TO BETTER SOMEBODY’S LIFE

“If you don't believe that you're gonna better somebody's life, then you should find a different career and pursue that.”

Where to find Ron:

• LinkedIn: https://www.linkedin.com/in/ron-viggiano-638584/
• Website: http://www.austintaylor.net/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

We oftentimes see a lot of people who keep complaining about life. If we keep our heads wrapped up in the bad things, we will always be in a negative outlook. In this episode, Andre talks about staying positive by always holding on to the one thing you are grateful for, as gratitude is what can keep you positive and keep you going. Tune in to learn more in this latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

ANDRE: GRATITUDE > ATTITUDE > ALTITUDE

“Gratitude shapes your attitude, which ultimately determines the altitude in which you're gonna go because your mindset is there.”

ANDRE: HOLD ON TO WHAT YOU ARE GRATEFUL FOR

“When you find one or two things that you're super grateful for, and then you just piggyback off of that. We can always find something wrong, but if you can just find one little thing that's right, even with a bad marriage or challenge with kids, if you can just find one thing that is right about it, and just build upon that, it'll help change the way your thoughts are about the situation.”

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

Andre has always worked to give opportunities to people as he follows his win-win philosophy, and in this episode, he talks about how he got the idea of building the modern financial franchise. In the financial services industry, a franchise is a very uncommon business model, and Andre is the first one to execute it. For him, a franchise gives a sense of ownership, helping people to boost their pride in having their own business, and motivating them to work harder to perform better. Find out more of this in the latest episode of the Modern Financial podcast.

HIGHLIGHT QUOTES

ANDRE: BOOSTING PRIDE THROUGH FRANCHISE OWNERSHIP

“When you said the word franchise, what's different about that is it gives people a sense of ownership, and I think when people have a sense of ownership, that pride level goes up tremendously, and as their pride level goes up, their workmanship will just continue to improve, it's because it's theirs, they have that sense that they want it to be better than anything else around them.”

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

Sean Badding is back with Andre and in this episode, they talk about becoming successful even when you are not the brightest of them all. Sean explains that with passion, hustle, and the desire to help others, you can be as successful as anyone. He also breaks down the three factors for success and you actually only need two of them to succeed. Learn more about these in this latest episode of the Modern Financial podcast.

HIGHLIGHT QUOTES

SEAN: BE PICKY WITH YOUR PARTNERS

“Pick your partners carefully, there are going to be times when you are in this mode here building your business that there will be a partnership presented to you. And, you know, after my experience, I would say very, very carefully look at that, like a marriage because you don't ever want to divorce. And if you do, it could get very, very ugly. So one thing I did learn along the way, is to find who is a good partner for you, and if it works, make it work.”

SEAN: 2 OUT OF 3 IS A VICTORY

“There are three factors for success - money, knowledge, and passion, and you only need two out of the three. Most times people have the passion, and then they can get the knowledge, but they don't have the money. So that is the key here. In my opinion, if you have two out of the three, that is perfect here, as long as you understand that you've got to have that hustle is the key.”

Where to find Sean:

• LinkedIn - https://www.linkedin.com/in/sean-badding-1418613/
• Website - http://www.everlastingservices.com/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

Welcome to another episode and today, we have Sean Badding together with Andre. Sean is the president of Everlasting Services. The two talked about creating opportunities for yourself when there is none being offered to you. Sean shares his insights about the decision-making process and the aspects involved when trying something new that’s outside your previous career path. Stay tuned and learn more in this latest episode of the Modern Financial podcast.

HIGHLIGHT QUOTES

SEAN: OPEN YOUR SENSES TO NEW OPPORTUNITIES

“Keep your eyes and ears open. New opportunities come about. I don't believe in luck, I believe that you create your own opportunities and those opportunities are coming about because you are paying attention.”

ANDRE: COMMITTED VS. INTERESTED

“It's committed versus interested. When you're fully committed, those little barriers, you have to be able to get through. Otherwise, you're just interested because you're going to start feeling victimized, you're going to feel sorry for yourself.”

Where to find Sean:

• LinkedIn - https://www.linkedin.com/in/sean-badding-1418613/
• Website - http://www.everlhttps://www.linkedin.com/in/sean-badding-1418613/astingservices.com/

Where to find Andre:

• LinkedIn: https://www.linkedin.com/in/andre-vicario/
• Modern Financial website: https://www.modfinancial.com/

What does winning mean to you? Did you start big or small? In this episode, Andre shares his story of how he got into the financial services industry, where he helped people have a better understanding of their money. Andre also talks about his win-win philosophy and the importance of finding your purpose in life, so make sure to stay tuned until the end of this latest episode of Modern Financial.

HIGHLIGHT QUOTES

THE WIN-WIN PHILOSOPHY

“When I go through my process, and I guess you said it's subconscious, I don't know where that started. But ultimately, for me, I look at the whole situation, and if one person's winning, and the other person is losing that doesn't seem like it's a good business venture. It's like a forced transaction.”

FINDING YOUR PURPOSE

“It's really about finding that purpose and an understanding of what that purpose is for you. It may be different for other people, but once you've identified that, and you can run with it and it's something you're proud of and you feel good about. Well, then you're winning and the people that you're working with are winning and I love seeing people thrive around me it's been the greatest pleasure.”

In this episode, Andre shares his story about seeing his parents work so hard but earn so little, which leads him to have the mindset of having his own business someday. He also discusses his first breakthrough in entrepreneurship and how he developed his win-win philosophy in business. Tune in and get inspired by Andre’s story in this latest episode of the Modern Financial podcast.

HIGHLIGHT QUOTES

FINDING THE MINDSET TO OWN A BUSINESS SOMEDAY

“I saw the difference really fast, and that's what I associated owning a business with, is these people had freedom of money, they had freedom of time, freedom of choice, all of the things that we didn't have, and so I think that was when I just realized I didn't even know what an entrepreneur was at that time. Because all I knew is that I wanted to own my own business.”

This is a very important question to answer. We are all having hesitations about where to put our money in. With all the uncertainties in the market today, people are having a hard time deciding where to invest their money. Andre has the answer. Tune in today and learn about the ultimate 8th wonder of the world as explained by Andre himself in this latest episode of Modern Financial.

HIGHLIGHT QUOTES

THE ULTIMATE 8TH WONDER OF THE WORLD

“Imagine your money growing and compounding without any risk of loss. That's where it's amazing because you can get as aggressive as you want. You can allocate the money into aggressive growth accounts and not worry if the market tanks tomorrow, because in the accounts that we're talking about, they're guaranteed not to lose money, so you cannot go backward. And when the market takes off again, well, so does your money. It That to me is the ultimate eighth wonder of the world.”

GIVING $1 FOR MULTIPLE PURPOSES IS BETTER THAN DOING NOTHING

“So rather than sit back and do nothing, think about how you can have $1 serve multiple purposes in your life when you put this dollar into this account, how it's going to benefit you in multiple ways, and that's the strategies that we talked about is having your dollars serve multiple purposes, to where you win today and tomorrow.”

What a question of the day, especially for Andre. In this episode, Andre shares how flying in his own plane feels like and how liberating it is for him. Andre also shares the most gratifying part of it, which is being able to connect and create new experiences with people who are on board with him. The curiosity and inquisitiveness he gets are what make his flights more enjoyable. Learn more about Andre’s flying experiences in this latest Episode of Modern Financial.

Learn more in this latest episode of Modern Financial.

HIGHLIGHT QUOTES

ANDRE: THE BEST FEELING WHEN FLYING

“the most gratifying feeling when you have people with you, and you're creating an experience for them. And you're seeing them get excited about it. And you're seeing their smiles and their wows and everything. And then they start asking, you know, questions of curiosity of how this works and how that works. And to be able to walk through and, and share, you know, all the different things about a plane and how it works and what gets the lift.”

Are you having problems with your sleep? Many people would say it’s stress and a couple of other things… but what if you’ve been having this problem before you were even working? That’s exactly what Andre was having trouble with, and today, he shares how he learned to battle it after joining a Biohacking conference. Andre didn’t only learn the techniques to improve his sleep but also found the technology he needed to do so. Sounds pretty cool, but the most important thing is it has given him clarity and peace of mind that helped him become healthy to spend more time with his grandkids and pass on his legacy. Learn more in this latest episode of Modern Financial.

HIGHLIGHT QUOTES

ANDRE: BECOMING HEALTHY FOR THE GRANDKIDS

“The best part about it is I'll be super healthy physically, mentally, and financially in every way so that I can be there for my grandkids because that's the number one reason why I'm doing all this stuff is I want to be super healthy, to be able to be there for them and to be able to share with them some of the things that have impacted my life so that maybe it'll have an impact on their life as well.”

ANDRE: THE IMPACT OF CLARITY AND PEACE OF MIND

“I think clarity and peace of mind is the number one impact it's had on me having clarity helps you make decisions. It helps you respond to situations It does everything.”

Many people today shy away from "the grind". But if you're someone who enjoys it, it's good to embrace that mindset. Andre talks about how continuing to stay busy is a great way to stimulate the mind. He also shares his insight on the year ahead and why businesses should get ready for exciting times. Find out more in this latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

ANDRE: EXPECT RADICAL GROWTH IN 2023

“I believe that because the people I'm surrounded with, they have aspirations for growth, they want to grow, and they want to improve. I know that I do. We've laid out our game plan for next year and it involves not just the people in our company, it's the people that aren't even in our company yet.”

HOW DO YOU HANDLE FAMILY IN THE BUSINESS?

These are the questions that Andre will be answering today. Andre breaks down the deciding factors he considers when starting or acquiring a business, he also explains the challenge, pressure, and joy of operating a business with his family working side by side toward a common goal. Find out more in this latest episode of The Modern Financial Podcast.

HIGHLIGHT QUOTES

ANDRE: DECIDING THE RIGHT BUSINESS OPPORTUNITY

“Something that's going to be sustainable for a period of time, I'm not really into the short, quick stuff. It's about building and growing and creating that environment that will literally sustain and the test of time.”

Who would you take with you to your new company?

What does it mean to make an impact?

Andre discusses the value of friendship over work and how that will be a deciding factor for him to take someone with him to his new company or not. He also discusses what impact means to him and what kind of impact he wants to achieve with Modern Financial. 

HIGHLIGHT QUOTES

ANDRE: THE IMPACT THAT MODERN FINANCIAL AIMS TO MAKE

“Building Mod Financial, it's not just about the money that people are making. It's the impact they're making by the dozens, the hundreds, the thousands, and that is what we want to be able to do when we're able to go out and help somebody and we reshape their financial future. They share that with other people, and it reshapes their financial future.”

New year, full of excitement yet full of uncertainties. Nevertheless, this year is another chance, another shot, another opportunity. Tune in and find out straight from our host Andre Vicario his vision for 2023 as an opportunity to reinvent ourselves, and another year to accomplish his mission of creating more opportunities for others through the message of this show. Get ready to kick off 2023 in this latest episode of Modern Financial.

HIGHLIGHT QUOTES

ANDRE: IT’S TIME TO REINVENT

“Reinvent ourselves, we're already in the process of doing that, we're going to reinvent our message because the message that we had six months ago is very different than the message that we need to have today and the message going forward, so our messaging will continue to change. And as that continues to change, we're going to create more opportunities for people out there…”

HIGHLIGHT QUOTES

Uncertain times provide the best wealth-creating opportunities - Andre: "To find the opportunity, you have to be a little bit more open-minded. A lot of people close off and say I'm going to wait, I'm going to wait. But happens during these uncertain times, that's when most of the wealth is created. This is the best wealth-creating opportunity out there."

HIGHLIGHT QUOTES

Write, work out, then reevaluate what is stressing you out - Andre: "What I thought was stressing me out isn't always what's really stressing me out. There's usually something that's a little bit beyond what's on the surface. And after I spend some time evaluating and thinking about it, then I can usually narrow it down and pinpoint exactly what it is."

Pinpointing and dealing with stress are 2 different things - Andre: "We can pinpoint where their stress points are and what are the things that are creating and causing the anxiety, it's whether or not they want to deal with, and that's where I find that it becomes a challenge with most."

Indus shares about his journey building experience in product marketing and product management and eventually making his way to SaaS businesses. He talks about getting into aviation, working with start-ups, and the connection he found between the two!

HIGHLIGHTS

• Going from HP to Oracle to creating a SaaS business
• Promoting an expanding business in the pandemic/recessionary time
• What Indus continues to do for life-long learning
• Why flying a plane and running a start-up are very similar

QUOTES

Going on a series of conversations trying to understand how things are - Indus: "It had not cemented in me how big SaaS was going to be back then but we were watching it at Bitzer and we had a portion of the product that was SaaS."

What allowed Indus to push through on the work they were doing - Indus: "The only thing that makes you successful is perseverance. This is after doing Bitzer for three and a half years, attempting a few other start-ups, and seeing founders succeed and fail. Ideas and people come and go but if you persist on what the world needs, you will succeed."

Find out more about Indus by checking the following links:

• LinkedIn: https://www.linkedin.com/in/khaitan/
• Website: https://quolum.com/
• Twitter: https://twitter.com/1ndus

He shares how they help entrepreneurs with more flexible terms for capital financing and offer this at scale. He also discusses how they get their own financing from investors and a future with more involved software intelligence to instill financial discipline within entrepreneurs.

HIGHLIGHTS

• Onramp: Working capital financing for early-stage e-commerce businesses
• Capital from investors and private equity
• Fitness, reading, praying, and family time keep Eric grounded

QUOTES

What working capital financing with Onramp looks like - Eric: "Profit and cashflow are 2 different things. And so, unfortunately, like that profits captured in a cashflow cycle, which becomes very hard to extract the cash, and profit alone doesn't mean you're actually paying the mortgage. So what we're doing is kind of coming here and saying look, you actually have a profitable business, we're going to go ahead and loan you money against your, let's call it, 3 to 5 months worth of revenue."

Instilling discipline with newer merchants that help them scale - Eric: "Our goal is that we should help the merchant reach a scale in their business size and have used capital wisely for a long enough period of time that they will eventually go to a bank and graduate out of us."

Find out more about Eric and how to run an e-commerce business in the following links:

• LinkedIn: https://www.linkedin.com/in/ericyoungstrom/
• Website: https://www.onrampfunds.com/

HIGHLIGHTS

• Building an award-winning company and helping clients retain clients
• Shifting careers from teaching to leading and founding startups
• Create relationships that last and bring new people to grow
• Pursue self-improvement at every stage of growth

QUOTES

Selling to Fortune 500 companies introduced key relationships - Jody: "I had sold software to some very large companies at this point. Every time I kept targeting at large enterprises so I know a lot of large enterprise relationships. And relationships, building those relationships and maintaining those relationships, has been key to my success through the years."

Bringing in different expertise at different levels of growth - Jody: "Selling software when you're a million-dollar run rate versus when you're 30 million or whatever run rate, it's just such a different game that you need to bring in people. This is the biggest company I've ever ran and you need to surround yourself with new people who've done this before multiple times. And so turnover to some degree is good."

Learn from others and don't let ego get in the way - Jody: "The one thing you have to do is be malleable and just make sure that you are open to hearing things and don't get a big ego because there's always going to be people out there, even if they haven't been as successful as you, they might have had some success in an area that you haven't."

Find out more about Jody by checking the following links:

• LinkedIn: https://www.linkedin.com/in/jodyglidden/
• Website: https://www.introhive.com/

HIGHLIGHTS

• Student loans create a need for debt savings automation 
• Going to University of Michigan and founding his first company
• Payitoff's vision is to create a better borrowing experience 
• Starting as a solo founder and taking on a founding team after

QUOTES

Creating structure in the debt and financial decision space Bobby: "What we've really uncovered is that automating debt guidance and automating that savings is really where there's a lot of opportunity and a lot of experiences that borrowers right now are managing on Reddit and spreadsheets. It's a really not good place to be and hard to manage yourself."

Founding Payitoff with a vision for a better experience for borrowers Bobby: "It's always been about finding savings for borrowers, and I think that using that same sort of vision of there should be a better way and there should just be a better experience across the board, I think that kind of consistency has informed out product."

Advice for aspiring entrepreneurs Bobby: "I was thinking too much about fundraising instead of thinking about okay, I just need 12 months to figure out this metric for myself and stay accountable to that. I eventually got there, but in the early days, I focused way too much tech stars and all this other stuff when really the focus should have been find one to two advisors in this space, go cold email all the people that you think could be customers, depending on your market, but just get feedback."

Find out more about Bobby by checking the following link:

• LinkedIn: https://www.linkedin.com/in/bobbymatson/
• Website: https://payitoff.io/

HIGHLIGHTS

• Andre's time hacks
• Get better rest with NuCalm

QUOTES

Andre: "So many things are changing all the time that the one and only thing you have control of is your attitude and what you do with that attitude. So I need to still get better at utilizing my time and owning it versus letting it own me."

HIGHLIGHTS

• Remove the stigma from recruitment
• Help others while helping yourself

QUOTES

Andre: "It really comes down to simplicity. Do they want to help others, and do they want to help themselves while they're helping others? And if that is even remotely part of their whole equation where they say yes, then it makes it super easy for you to be able to share with them how they can mutually benefit working with you."

HIGHLIGHTS

• Surround yourself with people who lift your mindset
• Recruiting using the who-do-you-knows
• Remove scarcity mindset to prosper

QUOTES

Andre: "Proximity is everything. When you have the right people that you're associating with, you're going to learn from them, they're going to inspire you, they're going to drive you because now you have that connection. And you always want to be around people that are a little bit more successful that have a better, more open, robust mind, a total abundance mindset. And the more you're around those people, you'll gravitate to it. It's infectious."

Andre: "Likes surround themselves with likes, so if they're going to be great for this, a lot of the people that they know would be great for this. And then, once they understand how they could position themselves to actually make an extra 3 to 5 thousand a month even if they're just a referral partner, is that not going to pique their interest?"

Andre: "When you have a compelling story, people are going to listen and they're going to gravitate to it, and then they're going to want to be a part of it. They want to live that story."

Today, he is keen on sharing with others the knowledge he has gained and looks forward to featuring guests and their own stories of success. He lays out his goals for the podcast which include helping 1,000 people gain financial freedom and gaining 100,000 subscriptions.

HIGHLIGHTS

• Getting financial education and helping others get theirs
• Journey to co-hosting The Modern Financial Podcast
• Learning guest's successes through conversation  
• Goals: 1,000 financially independent people and 100,000 subscribers

QUOTES

Jake: "In my clients, teaching people things that have been around for 20, 30, 40 years that we don't bring to the masses because it's not part of the big Wall Street game that allows them to actually have a better life, have them have more financial freedom than they could even think of."

Jake: "I want to help a thousand people become financially dependent on themselves because they have a plan and it's put together and not go okay, I've got X amount of dollars, and then I hope social security can pay for the rest of this."

Find out more about Jake by checking the following link:

LinkedIn: https://www.linkedin.com/in/jake-hoffart-bba041158/

Scott shares how the recent pandemic was a trial by fire for businesses and only those that pivoted to meet the change survived. 

Andre also talks about the fear of change and the judgment of others as mental roadblocks to showing up. As for internal change, Scott highlights that it's best to learn from others who can guide your entrepreneurial journey. 

HIGHLIGHTS

• Business survival—Navigating change and adapting to it
• Agent for change 3-step process: Move, Change, Transform
• Fear of judgment and vulnerability
• Internal change and the value of community

QUOTES

Scott: "When you're agent of change, when change happens to you, you're already on what's the opportunity? So right away, you're going what's the opportunity here and you're looking at how can we stay on the downside."

Scott: "The deep truth is is that when you step into, at putting yourself out there, it's like the fear that you have is judgment of others. The truth is is that there's people that want to connect with you. You have story. You have value."

Scott: "To me, that's the other part of internal change is don't try to go at it alone. It's way better with other people that have kind of gone through it a little in front of you because they can warn you of the pitfalls."  

Reach out to Scott by checking the following link:

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

• Create opportunities: Open up conversations and have an open mind
• Think of the upsides and attract success
• Get creative because win-win situations come in all shapes and sizes

QUOTES

Andre: "Just being open-minded, we want to be willing to listen and hear things out without coming to conclusions. Let people talk and hear the whole thing out. And what you're going to find is there's a ton of opportunity in there."

Andre: "Do we ever train ourselves to think gosh, what if this goes right? What would it be like? We always go directly to, well, if this goes wrong and that goes wrong. But what if this goes right and that goes right? Would that change the trajectory of your life and the whole situation that you're in and the possibilities of this opportunity? Heck yeah, it can."

Andre: "Any time you're going to grasp opportunity, you're going to go for growth, there's a little bit of risk and vulnerability in anything you do, and that becomes a part of being an entrepreneur. So we have to learn that and know that on the onset."

• Money: To make more, you need to invest in yourself
• Fear and uncertainty are indicators of growth
• Surround yourself with good people and find a mentor
• Commitment and discipline: Start by writing them down
• Failures are part of success

QUOTES

Andre: "The first thing you need to do is invest in yourself. Get some education. Get some mindset education. Look at different ways that you can learn and grow. You're listening to podcasts, that's one thing that's great. Getting a coach would also be something that's pretty good. You need accountability."

Andre: "Doubt and fear, when I start to have that doubt and that fear, I know that that's where I have to go. And the reason I don't want to go there generally is because I'm a little bit uncertain on what the outcome can be. But when that fear is there and the uncertainty is there, that's where I have to go."

Andre: "Find a mentor. Find somebody that you can go to and you can just have conversations with and, oftentimes, those mentors that are out there, they don't realize they're mentoring you. Sometimes they're just talking with you or sometimes they'll even push back."

Andre: "We have to go after our dreams in ways that most people aren't willing to. If you want to have the life that's in your mind that you feel you deserve and that you should have, you have to do things that other people aren't doing."

• Sean Badding, President of Everlasting Service
• Ron Viggiano, Owner of Austin Taylor Custom Men's Clothing
• Winston Correll, Owner of Correll Industries
• Scott Martin, Founder of Groundswell Origins & Host of Groundswell Marketing Podcast
• Cord Burner, Financial Advisor at Mod Financial
• Robert Hodges, SVP of Land Banking at CalChoice Investments
• Anna Felix, Smart Money Strategist at MOD Financial

• Listen to actions not words to recognize saboteurs
• Follow your instinct and let go of people despite emotional ties
• Draw from your inner strength to maintain good relationships

QUOTES

Andre: "We have to be mindful and conscious of what we hear and are we really hearing what we want to hear or what's being said to us. There's two different types of listening, so sometimes we have to look past the words to see what the actions are."

Andre: "We always know instinctively what the right thing to do is, the hard thing is to do it. So when you run across this situation, in your mind you go, gosh, I know what to do here but you're struggling, then you have to do it. You already know."

Andre: "I want to keep a friend, not a foe, and keep the relationship there because it's a small world. Why have an adversarial relationship with somebody in a small world? Doesn't make any sense to me."

• Seeking financial advice and finding no help
• Becoming the financial advisor she never had to empower women
• Working with women for tax-free retirement

QUOTES

Anna: "One of the guys I met with, the last one I met with, this is what he literally said to me and I just couldn't even believe it. He said, I don't have time to answer your questions. This is what I handle. I'll take care of this, you go marry a rich guy, and you'll be fine."

Anna: "With a 401k, if you're not 59 and a half, you're paying taxes and fees to access that money. And women need that flexibility because of the nature of the things that they end up having to take care of in their life. It's really important to have a fund that they can tap into if they need to."

Reach out to Anna by checking the following links:

• LinkedIn: https://www.linkedin.com/in/annafelix-smartmoney/
• Website: https://www.modfinancial.com/
• Email: anna@modfinancial.com

• Land banking: An alternative investment or the choice to become wealthy?
• Land does not depreciate, it's the assets on them that do
• Get multiple benefits by diversifying into land for as low as $40,000

QUOTES

Robert: "Every wealthy client that I have has land in their portfolio. So is it really an alternative investment or is it an investment of choice of the wealthy?"

Robert: "We're a for profit company, we got to be able to make our money to stay in business, and still deliver that parcel to our clients at at least 20% below what other things around it, zone the same, have already sold for."

Robert: "Wouldn't it make sense, and we're not saying take all of it, a portion of that money that's sitting at all-time highs right now, and move it over to an investment that is not as adversely affected in a downturn in the market?"

Reach out to Robert by checking the following link:

• LinkedIn: https://www.linkedin.com/in/robertghodges/
• Website: https://www.calchoiceinvestments.com/
• Email: rob@calchoiceinvestments.com
• Phone: 530-308-2790

HIGHLIGHTS

• A company culture of connectedness makes people stay
• Excellent culture nurtures multiple repeat customers 

QUOTES

Andre: "If you provide a cultural environment where they feel connected, when people are connected to the synergies, and everything is in alignment, they don't leave for money. It's not about the money because now they feel inside that this is their home."

Andre: "The numbers are the numbers. I get it. But I tell you what, the culture drives those numbers. And the culture will take those numbers exponentially to another level because now that sense of ownership is going to turn a customer into a client who's going to continue to do business with you multiple times over."

Andre shares his ideas in expanding the business and creating ownership within the members of his organization. He talks about being relentless and the steps you can take to go for what you want and ultimately succeed, beginning with how to get in the right mindset.  

SHOW NOTES

HIGHLIGHTS

• Opportunities lie in things you like and making them better
• Recognize an opportunity, capitalize, and let specialists do their job
• It's now how, it's who: Leverage the resources around you
• Overcome fear and doubt and have a game plan

QUOTES

Andre: "Think about some of the things that you're involved with on a daily basis, weekly basis, or every now and then, and as you look at those things, when you're having a good time and you think, God, this would be a really cool business, keep digging further."

Andre: "I think that's one of the most important things for entrepreneurs to realize is sometimes we get in our own way, meaning that we want to be able to do everything and we want to take the time to try to learn everything before we do anything. And you can't always do that."

Andre: "You're always going to find resistance and you're going to find some friction in some areas. Sometimes it could be people, sometimes it could be family, sometimes it could be the government, it can be the environment. There's going to be friction and you just have to be ready and prepared for that friction in advance."

He shares the renewed purpose he now has in helping families make their money work for them and to provide legitimate options to have a tax-free retirement. Cord shares this amazing purpose of dream building with others is what makes his career so rewarding and why he hopes to reach more people and help them fulfill their dreams too. 

HIGHLIGHTS

• Making the radical change from loading semis to financial advisor
• Experiencing failures but momentum resulted in massive success
• Finding purpose in providing families financial freedom
• Stay updated on financial opportunities and market changes

QUOTES

Cord: "You can either do what you hate doing forever, or you can make that choice and figure out what you want to do and create purpose behind it. So we got fortunate enough to fall into you guys and kind of the rest is history."

Cord: "When working with us and doing the work upfront, you can actually legitimately and safely have a tax-free income within retirement, meaning zero tax."

Cord: "I don't know anywhere to where you can make money by helping others make money and ultimately get to their dreams. I mean, we literally get to dream build with people every single day."

Reach out to Cord by checking the following link:

LinkedIn - https://www.linkedin.com/in/cord-burner-49008b108/

Andre also talks about knowledge and how being informed helps keep an entrepreneur sharp and open to opportunities. Business models can and will change, and being able to pivot into the right direction at the right time can lead to massive success. So stop procrastinating and be a doer today!

HIGHLIGHTS

• Success: A result of commitment and discipline
• Invest in yourself and manifest success, not failure
• Learn from Amazon: Take opportunities as they come
• Commit to now and be a doer

QUOTES

Andre: "If we want to sit and dwell upon the things that can go wrong, everything will go wrong. But if want to sit and kind of manifest the things that are going to go right, things will go right. It's kind of the nature because we're going to make decisions based upon our emotional state."

Andre: "If you can have an idea, something you're excited about that has meaning and purpose to you and you feel that it's going to have meaning and purpose to other people, you got to jump in and go. Don't wait. It's now time. Let's commit to now."

The days of top down marketing are over and the era of groundswell marketing from the bottom up is here. Now creating a personal brand within a corporate brand is not only beneficial, it is necessary, and this shift has helped transform the way Andre does business.

SHOW NOTES

HIGHLIGHTS

• Rebrand, reshape, and create personal brands from scratch
• Building a personal brand within a corporate brand
• Know your values and vision to accelerate your business

QUOTES

Scott: "When you're true to your brand, when you are authentic to your brand, when you create a reputation with what you say, what you do, the actions, whether you're a business or person, that is an essence what your brand is."

Scott: "When you're totally confident about the core about what you're about, your vision of who you are, like the work you and me did at date with destiny,

you're an immovable freaking Oak... that's got these deep roots and it's like, you are immovable."

Where to find Scott:

• LinkedIn - https://www.linkedin.com/in/scottadammartin/

The gratitude mindset has drastically changed Winston's outlook on life. It has helped him stay grounded to recognize that time is finite and every waking moment we have is something to be grateful for. The same is true for Andre who has been liberated from the shame of his success to really live in the moment. 

HIGHLIGHTS

• Winston's Tony Robbins experience: Accelerating growth and vision
• Recognize the good that comes with the bad
• Create the change instead of letting it change you

QUOTES

Winston: "If you're going to look at the bad, you can't discredit the good that comes from that. What did you learn? How did you grow? What direction did that situation change your life? How did you change and grow through that?"

Winston: "Get out of my head, drop it in my heart, and be in the moment, and knowing that there is a finite amount of time that we're here on this earth. And we don't know when that's going to happen, when that's going to end, and so just appreciating waking up every day."

Where to find Winston:

LinkedIn - 

https://www.linkedin.com/in/winston-correll-02a03127/

He has honed his sales strategies through grit, tenacity, and confidence and introduces himself to people as a man they need to know. Ron kicks it old school and joins shareholder conferences to meet C-suite executives who are potential clients. He also uses analog tactics like writing on cards which ties in beautifully with the old world class and charm he and his business exude. 

HIGHLIGHTS

• Saying no to PR and apprenticing in clothing in 1986
• Creating genuine connections with authentic thoughtfulness 
• Buying stocks and meeting CEOs in shareholder meetings
• Following up with genuine concern and old school cards

QUOTES

Ron: "I take a picture of that bottle and I'll send them a text. And then, now they've been included... their gift that they gave me 2 or 3 years ago. I didn't forget about it. I didn't forget to follow up or whatever. Now I'm including them in on the day that they really said hey, have this for a special occasion." 

Ron: "There's all sorts of ways to get in front of the right people. There are sales organizations or... medical device... conferences and so forth and you could go to those conferences. And I go to a lot of conferences."

Where to find Ron:

• LinkedIn - https://www.linkedin.com/in/ron-viggiano-638584/
• Website - http://www.austintaylor.net/

In this episode of The Modern Financial Podcast, Chris Decker joins as the guest host as he features Andre Vicario. They talk about gratitude and its ability to reshape your whole mindset to find more fulfillment and embrace change.

He shares how writing this down is an important step to make him realize how to be present. Andre shares how a fiery passion has been relit in him. The more people that he helps, the more it helps him, and when you give others what they want then you get what you want in return. 

HIGHLIGHTS

• Skepticism on Tony Robbins' event but realizing the immense value of gratitude
• Find what you're grateful for: Either change or things will change you
• Write down what you are grateful for and realize how to be present 
• Starting his podcast: Taking the first step to help others learn

QUOTES

Andre: "The whole gratitude thing, it's just reshaped, retrained my mindset on a daily basis. And let's be real, we all have so much to be grateful for and I think we forget that sometimes. I think sometimes we get caught up in what's wrong versus what's right."

Andre: "If you hone in on one or two things that are right, because not everything is always wrong, and if everything is wrong, you've got to look at yourself sometimes and realize that the change starts within. You have to want to change and you have to recognize that change is necessary."

In this episode of The Modern Financial Podcast, Andre returns to feature Sean Badding, a longtime friend and college roommate and President of Everlasting Service. He shares how he ended up in the healthcare industry, a complete 180 from what he used to know and do, as both the fruit of new opportunities and a desire for more fulfillment at work.

But entering an industry with a lack of knowledge, contacts, and expertise were challenges in the beginning. Sean shares how they lost a partner, one of the experts who would've accelerated their knowledge of the industry, and how they remained committed to their goal despite that.

Sean shares that operating 10 assisted living homes is a special opportunity and honor to care for people. He strives to make a difference in their lives and this passion to help remains at the core of his commitment despite the many challenges of entering a brand new industry.

SHOW NOTES

HIGHLIGHTS

05:27 Starting in technology and ending up in healthcare as a new opportunity

10:34 Spearheading healthcare investing in Arizona for new investors

11:43 Investing: New ventures require capital but don't let money be a barrier

15:36 Lack of expertise and losing a business partner were major obstacles

18:43 Operating 10 assisted living homes is an honor to care for people 

24:31 Students of life: The lessons outside of school get you a head start

QUOTES

03:36 Sean: "I'm always dreaming. The day you stop dreaming is the day you start looking for retirement, and that is not me. I don't think that'll ever be me, but dreaming is the key here and envisioning what you can do, keeping positive in terms of your mindset."

08:02 Sean: "Keep your eyes and ears open. New opportunities come about. I don't believe in luck, I believe in that you create your own opportunities and those opportunities are coming about because you are paying attention."

16:02 Andre: "It's committed versus interested. When you're fully committed, those little barriers, you have to be able to get through. Otherwise, you're just interested because you're going to start feeling victimized, you're going to feel sorry for yourself."

18:08 Sean: "Find who is a good partner for you and, if it works, make it work. In this case here, obviously and thankfully, it's my wife and she makes the best partner in doing what we do."

20:49 Sean: "There are three factors for success. Money, knowledge, and passion. And you only need two out of the three, and most times people have the passion and then they can get the knowledge, but they don't have the money."

Where to find Sean:

• LinkedIn - https://www.linkedin.com/in/sean-badding-1418613/
• Website - http://www.everlastingservices.com/

Andre is an experienced CEO, President and Entrepreneur Driven by his passion, he takes pride in providing the best financial solutions possible. As the Chief Executive Officer & President of MOD Financial Inc., my goals include “Changing the financial lives of every client I serve and to provide the best experience for our clients and members''. In addition to his primary job functions, Andre has been recognized by Top of the Table members at the Million Dollar Round Table as well as GAMA awards recipient for leading General Agencies and has been awarded as a  two-time INC 5000 company. Outside of work Andre can be found flying, boating, travelling and spending time with his family and friends. A fun fact about Andre is he loves to fly and see the sunrise and sunsets.

The Modern Financial Podcast with host Andre Vicario a seasoned entrepreneur who has been innovating in the financial services industry. 

Each episode is aimed at introducing you to high-performance individuals who have broken through barriers to become the success they are today and

sharing both the wisdom and insights that will help others in their entrepreneurial journey. 

Put your seat table trays down and prepare for take off.