Disruption / Interruption

JoTo PR

When did you say ”THAT’S IT! I’VE HAD IT!”? Time to Disrupt and Interrupt with host Karla Jo. Every week KJ interviews professionals who are disrupting their industries and altering economic networks that have been antiquated with bull-headed predecessors holding up the progress. KJ delves into uncovering more from industry rebels and innovators that you didn’t know you needed in your life.

  1. Disrupting Life Insurance: Why "Passive Service" is a Risk to Your Wealth with Mark Forman

    -3 Ч

    Disrupting Life Insurance: Why "Passive Service" is a Risk to Your Wealth with Mark Forman

    Host KJ welcomes Mark Forman, CMO of Optifino to explore how AI is finally modernizing the $2 trillion permanent life insurance industry. Mark shares his accidental journey from poetry student to InsureTech marketer, explaining how a lack of transparency, outdated distribution models, and the absence of a true marketplace have left millions of Americans underinsured. He shares how Optifino uses AI to compare complex permanent life insurance policies side by side, giving advisors and consumers the kind of informed, data-driven experience that every other financial sector already enjoys. The conversation also tackles the $12 trillion U.S. life insurance coverage gap and why 82% of wealthy investors want insurance guidance but only 12% are getting it.   Four Key Takeaways: The Insurance Industry Has Benefited from a Lack of Transparency (12:23) Unlike stocks or ETFs where all data is accessible instantly, permanent life insurance has no real marketplace. Consumers can't easily compare policies, leading to overpaying, policy lapses, and lost cash value. AI Makes Advisors Bionic, Not Obsolete (24:20) When advisor Mike Sheen first saw Optifino's AI demo, he feared replacement — but quickly realized there's now no ceiling to how good he could be. With 25+ carriers, 10+ products each, and thousands of permutations, AI assistance isn't optional — it's essential. There's a $12 Trillion Life Insurance Coverage Gap in the U.S. (29:27) LIMRA data shows Americans are massively underinsured. The shift toward fee-based RIAs (who don't sell commission-based insurance) has widened the advice gap — 82% of wealthy investors want insurance guidance, but only 12% report receiving it. Know Your Problem Deeply Before Going to Market (36:48) Mark's parting advice: fall in love with the problem you're solving. Talk to the people you want to serve, validate that your solution actually addresses their pain, and lead with hard data — not corporate jargon.   Quote of the Show (30:16):"Insurance sucks until you need it. No one likes to pay their premiums, but if you've ever had an experience where the insurance paid off, you were very happy." — Mark Forman   Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.   Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval   Ways to connect with Marc Forman: LinkedIn: http://www.linkedin.com/in/mark-formanCompany Website: https://optifino.com/ How to get more Disruption/Interruption:  Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD See omnystudio.com/listener for privacy information.

    42 мин.
  2. Disrupting Pharma Data: AI That Delivers Insight, Not Overload with Jeffrey Freedman

    2 АПР.

    Disrupting Pharma Data: AI That Delivers Insight, Not Overload with Jeffrey Freedman

    Jeffrey Freedman, Executive Vice President at Evolution Health Group, joins Disruption/Interruption to reveal how AI and machine learning are revolutionizing pharmaceutical marketing. For decades, the pharmaceutical industry has been "data rich but insights poor," drowning in information while struggling to connect doctors, patients, and meaningful medical education. Freedman's personal healthcare experiences with his family drove him from Wall Street to pharma, where he now builds platforms that help pharmaceutical companies identify key opinion leaders, cut through the noise, and deliver life-saving information more efficiently. In this candid conversation, he demystifies the pharmaceutical industry, explains why the shift from direct-to-consumer to direct-to-physician marketing matters, and shares how his team is using technology to get treatments to patients faster while reducing costs.   Four Key Takeaways: The Pharma Data Problem (9:04) - The pharmaceutical and medical industry is "data rich, but insights poor." Until recently, without AI and machine learning, massive amounts of data were simply growing without being properly analyzed. The ability to extract actionable insights has now shrunk dramatically, transforming how pharma companies can respond to patient needs. Creating a Single Source of Truth (14:50) - Pharmaceutical companies have historically operated on disconnected spreadsheets across different regions and employees, causing critical information loss. Evolution Health Group's SaaS platforms aggregate data into a single source of truth, ensuring insights aren't lost when employees leave and enabling global coordination. From Direct-to-Consumer to Direct-to-Physician (23:53) - Freedman advocates for lowering pharma's reliance on direct-to-consumer advertising and instead focusing budgets on educating physicians. Rather than patients self-prescribing based on commercials, doctors should be equipped with comprehensive education to prescribe the right treatments for the right patients, improving outcomes and reducing confusion. Accelerating the Bench-to-Bedside Pipeline (29:46) - Through AI-powered insights and streamlined communication, the goal is to move products from the research bench to patients faster and more cost-effectively. This technology is already enabling treatments for rare diseases that were previously too expensive to develop, demonstrating how innovation can expand access to care.   Quote of the Show (23:48):"Pharma is not this big scary monster that's put out there in the media. It's a bunch of people that really care.” – Jeffrey Freedman   Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.   Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval   Ways to connect with Jeffrey Freedman: LinkedIn: https://www.linkedin.com/in/jfreedman/Company Website: https://evolutionhealthgroup.com How to get more Disruption/Interruption:  Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD See omnystudio.com/listener for privacy information.

    34 мин.
  3. Disrupting Global Payments Black Hole: Turning "Lost Money" into a Growth Engine with Hristian Drensky

    26 МАР.

    Disrupting Global Payments Black Hole: Turning "Lost Money" into a Growth Engine with Hristian Drensky

    Global FinTech leader Hristian Drensky, CEO of MoreFin, exposes the hidden costs bleeding businesses dry in international payments. From multi-currency conversion fees to 30-day reconciliation delays, he reveals why "free" payment solutions aren't actually free and how Asia and Africa are outpacing the US and Europe in payment innovation. Hristian shares how real-time visibility and payment operations expertise can transform a company's cash flow and why automation—not headcount—is the future of scaling globally.   Four Key Takeaways: Hidden payment costs are bleeding your business (6:12)Currency conversions, settlement fees, and transaction charges can add 5-6% to your costs when providers only advertise 2-3% rates. Small businesses especially overlook these hidden fees that significantly impact their bottom line. Real-time reconciliation is a competitive advantage (7:18)Waiting 30 days for payment reports means flying blind and losing cash flow optimization opportunities. Real-time visibility allows businesses to identify losses immediately and address them proactively rather than accepting inefficiencies as inevitable. Asia and Africa are ahead of the US and Europe (23:58)Countries without legacy banking systems adopted tech-first solutions like M-Pesa and WeChat Pay, creating faster, more efficient payment ecosystems. Meanwhile, advanced economies struggle with outdated infrastructure like checks and multi-day bank transfers. Automation beats headcount for scaling (32:21)Morphin operates with 26 people by automating repetitive tasks. Hristian's philosophy: if a task is repetitive, automate it. This approach allows small teams to outperform much larger organizations stuck in manual processes.   Quote of the Show (37:38):"Dream more. A lot of things will happen anyway. You need to eat, breathe, sleep.. but people don't leave enough space to just dream. Dreaming is the first step to pushing your imagination beyond borders." - Hristian Drensky   Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.   Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval   Ways to connect with Hristian Drensky: LinkedIn: https://www.linkedin.com/in/hristian-drensky-fintech/Company Website: https://morefin.com How to get more Disruption/Interruption:  Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD See omnystudio.com/listener for privacy information.

    39 мин.
  4. Disrupting Critical Thinking: Why AI Means We Should Stop Teaching "Writing" and Start Teaching "Logic” with Alan Paulin

    19 МАР.

    Disrupting Critical Thinking: Why AI Means We Should Stop Teaching "Writing" and Start Teaching "Logic” with Alan Paulin

    In this episode of Disruption/Interruption, KJ sits down with Alan Paulin, co-creator of Mavis, to explore how AI is fundamentally transforming the way we write and work. Alan shares his journey from building Cash App to creating a startup that eliminates "copy-paste purgatory" between AI tools and traditional word processors. The conversation dives into why the current AI workflow is broken, how Mavis enables true human-AI collaboration, and why the education system needs to evolve for an AI-native generation. This is essential listening for anyone frustrated with bouncing between ChatGPT and Google Docs—and a glimpse into the future of iterative, intelligent document creation.   Four Key Takeaways: [0:18] AI tools today force a "one-shot" workflow that doesn't match how humans actually work - Most people work iteratively, meandering through drafts, massaging thoughts, and editing as they go. Current AI interfaces require big prompts and deliver static documents that force you into copy-paste hell, abandoning you once you leave the chat interface. [18:09] The real value of AI isn't just saving time, it's increasing happiness - Professionals didn't choose their fields to spend all day writing—they chose them to solve problems. By compressing the time spent on tedious documentation, AI tools like Mavis don't just create efficiency; they give people more time to do meaningful work they actually love. [13:34] Big tech companies are too slow to innovate in the AI-writing space - Google Docs and Microsoft Word haven't fundamentally changed in decades. Their massive user bases make rapid innovation nearly impossible—they're steering the Titanic. Startups have a unique advantage to tackle niches and experiment with workflows that giants simply can't. [34:29] The future belongs to "AI-native" thinkers who use AI as an extension of themselves - Industry is actively seeking people who seamlessly integrate AI into their workflow and thinking. The education system must evolve beyond testing what calculators and AI can do—and start focusing on critical thinking, creativity, and problem-solving instead. Quote of the Show (17:52):"Most of these people didn't choose that field to spend all of their time writing. They chose it to solve problems." - Alan Paulin  Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.  Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval  Ways to connect with Alan Paulin: LinkedIn: http://www.linkedin.com/in/alanpaulinCompany Website: https://mavislabs.ai How to get more Disruption/Interruption:  Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD See omnystudio.com/listener for privacy information.

    37 мин.
  5. Disrupting Medical Taboos: Why ChildbirthTech is the New Frontier of MedTech with Tracy MacNeal

    12 МАР.

    Disrupting Medical Taboos: Why ChildbirthTech is the New Frontier of MedTech with Tracy MacNeal

    In this episode of Disruption/Interruption, KJ sits down with Tracy MacNeal, CEO of Maternal Medical, to discuss a long-overlooked crisis in women's health: birth injuries. Tracy reveals how 10-15% of women who deliver vaginally experience severe pelvic floor trauma—injuries that often go undiagnosed and untreated for years. She shares how her company is developing groundbreaking technology to prevent these injuries during childbirth and why this space has been so dramatically underinvested. This conversation exposes the silence around maternal health and the urgent need for innovation in the delivery room.   Four Key Takeaways: [11:28] The Hidden Epidemic of Birth Injuries - 10-15% of women who deliver vaginally suffer pelvic floor muscles torn off the bone—an injury only visible through ultrasound or MRI. This leads to pelvic organ prolapse, incontinence, and chronic pain, yet most women leave the hospital without knowing they've been injured. [5:22] Innovation Has Been Stalled for 80 Years - The epidural, introduced in the 1940s, was the last major innovation in labor and delivery. Unlike other medical fields that see constant advancement, maternal health has been dramatically underinvested, creating an anemic ecosystem for research and development. [20:12] Smart Technology That Listens to the Body - Maternal Medical's device gently pre-stretches the birth canal by listening to the mother's tissue and only expanding one millimeter at a time when the body relaxes. In clinical trials of over 200 patients, the device group had zero injuries compared to 11% in the control group. [30:58] The Power of Speaking Up - Women's silence about their symptoms has perpetuated the problem. When women speak up about birth injuries, it signals to investors that patients care and pushes physicians to prioritize these issues. Advocacy drives innovation and funding in healthcare.  Quote of the Show (28:27):"Unless she's a fighter pilot, having a baby is the most dangerous thing most women will ever do."- Tracy MacNeal  Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.  Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval  Ways to connect with Tracy MacNeal: LinkedIn: https://www.linkedin.com/in/tracymacneal/Company Website: https://maternamed.com How to get more Disruption/Interruption:  Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD See omnystudio.com/listener for privacy information.

    33 мин.
  6. Disrupting HealthTech for Women: Hacking Hormonal Health with Oleg Kovalev

    5 МАР.

    Disrupting HealthTech for Women: Hacking Hormonal Health with Oleg Kovalev

    In this episode of Disruption/Interruption, KJ sits down with Oleg Kovalev, Chief Marketing Officer at Aspect Health, revealing how his company became the #1 women's hormonal health startup in the USA by disrupting traditional PCOS treatment. Discover how continuous glucose monitoring and lifestyle coaching are helping one in five women manage a condition that doctors have been treating wrong for decades—and how this medical innovation is driving explosive business growth. Four Key Takeaways: [4:21] PCOS affects 20% of women and is the #1 cause of infertility - Traditional medicine has underdiagnosed and undertreated PCOS for decades, leaving millions of women without proper answers or solutions beyond pills that mask symptoms. [8:33] Managing glucose levels can dramatically reduce PCOS symptoms - Simple lifestyle changes combined with continuous glucose monitoring help women see real-time correlations between their food choices and symptom improvement, leading to exceptional product retention. [17:24] Data-driven positioning beats gut feeling every time - Aspect Health grew 12x in nine months by systematically testing positioning through paid ads and user behavior metrics rather than relying on intuition or assumptions. [24:11] Ask what you should NOT be doing - Focus and intentionality come from eliminating tasks rather than adding them—the critical question every founder and marketer must answer to achieve breakthrough success.  Quote of the Show (8:00):"When women go to doctor and they ask questions about PCOS, in most cases they don't get answers to their questions. Often they are given some standard protocol of taking some kind of pills." - Oleg Kovalev Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.  Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval  Ways to connect with Oleg Kovalev LinkedIn: https://www.linkedin.com/in/alecko/Company Website: www.aspect-health.com How to get more Disruption/Interruption:  Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD See omnystudio.com/listener for privacy information.

    26 мин.
  7. Disrupting EdTech's Instability: The Full-Stack Approach to Conversational Mastery, with Stacy Richter

    26 ФЕВР.

    Disrupting EdTech's Instability: The Full-Stack Approach to Conversational Mastery, with Stacy Richter

    In this episode of Disruption/Interruption, KJ sits down with Stacy Richter, CEO of Live Lingua, to explore how the EdTech industry has lost sight of what really matters: human connection. Stacy shares his unconventional journey from corporate collections to boutique marketing to language education, revealing how technology became the status quo it was supposed to disrupt. Discover why the "four-legged stool" approach—combining live tutors, technology, AI tools, and resources—is transforming language learning outcomes and bringing the human element back into education.   Four Key Takeaways: (9:12) The Technology Paradox - In language learning, technology has become the status quo rather than the disruptor. EdTech platforms are now the norm, but the pendulum swung so far toward exclusive technology that learners lost the human connection essential for true language acquisition. (13:13) Transactional vs. Transformational Learning - Language learning apps excel at increasing screen time and gamification, but their primary goal isn't actual fluency—it's engagement. Real language mastery requires moving beyond transactional interactions to transformational, person-to-person connections that build relationships and trust. (22:58) The Full-Stack Language Model - Live Lingua's "four-legged stool" approach combines live human tutors (the hub), integrated technology, AI tools for practice, and supplementary resources. This hybrid model makes tutoring sessions 10x more valuable and can shorten the learning curve by months or even years. (30:29) The Power of One Connection - Technology cannot replace the value of human connection. As Stacy emphasizes, you're only one conversation, one relationship away from a breakthrough in your personal or professional life—a truth that applies far beyond language learning.     Quote of the Show (9:12):"In the education space, the technology has become the status quo. The pendulum swung from personalized in-person services... so far the other way where it's been exclusively technology.” – Stacy Richter   Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.   Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval  Ways to connect with Stacy Richter: LinkedIn: https://www.linkedin.com/in/therealstacyrichter/Company Website: https://livelingua.com How to get more Disruption/Interruption:  Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD See omnystudio.com/listener for privacy information.

    32 мин.
  8. Disrupting MedTech: Turning the Smartphone into a Life-Saving Medical Device with Gennadi Saiko

    19 ФЕВР.

    Disrupting MedTech: Turning the Smartphone into a Life-Saving Medical Device with Gennadi Saiko

    In this episode of Disruption/Interruption, KJ sits down with Gennadi Seko, founder and CEO of Oxilight, who is revolutionizing wound care diagnostics by transforming smartphones into powerful medical imaging devices. Gennadi shares his personal journey from Bay Street finance to medical physics, driven by his grandmother's diabetic foot amputation. He discusses how his company is disrupting the medical device industry by making diagnostic technology portable, affordable, and accessible—moving critical wound care assessments from expensive hospital labs to patients' homes. This conversation explores the intersection of deep tech innovation, healthcare accessibility, and the power of multimodal diagnostics in saving lives and limbs.   Four Key Takeaways [26:19] Multimodality is the Game Changer - Instead of multiple expensive single-purpose devices sitting on shelves, combining three technologies (multispectral imaging, fluorescence imaging, and thermal imaging) into one $200 smartphone attachment provides a 360-degree view of wound health and dramatically improves diagnostic specificity. [9:29] The Diabetes Crisis is Escalating - 27% of seniors (65+) in the United States have diabetes, and the disease is now affecting people as young as 25. Diabetic foot complications account for 80% of all non-traumatic amputations, making early detection critical. [21:44] Mobility Saves Lives and Money - Moving diagnostic technology to patients' homes solves the compliance problem and enables early intervention. Preventing one amputation saves healthcare systems 10x in costs while dramatically improving patient quality of life. [14:50] Physiological Imaging Beats Anatomical Measurement - Traditional wound measurement with rulers only tracks size over time, requiring multiple visits. Physiological imaging provides immediate prognostic information from a single snapshot, identifying whether a wound will heal normally or requires intervention.     Quote of the Show (23:27): “I don't want to improve hospital healthcare. I want to improve healthcare in general." - Gennadi Seko   Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.   Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval   Ways to connect with Gennadi Seko: LinkedIn: https://www.linkedin.com/in/gennadisaiko/Company Website: https://oxilight.ca How to get more Disruption/Interruption:  Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD See omnystudio.com/listener for privacy information.

    30 мин.

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When did you say ”THAT’S IT! I’VE HAD IT!”? Time to Disrupt and Interrupt with host Karla Jo. Every week KJ interviews professionals who are disrupting their industries and altering economic networks that have been antiquated with bull-headed predecessors holding up the progress. KJ delves into uncovering more from industry rebels and innovators that you didn’t know you needed in your life.