P&L: Priorities & Lifestyle Rob Schulz

Bill Kresser is a seasoned private banker at Origin Bank, with over two decades of experience providing tailored banking services and strategies to high net worth individuals and business owners. Kresser's perspective on private banking services and strategies is shaped by his focus on providing high touch, personalized services to his clients, simplifying banking processes, and a huge emphasis on convenience for the client. He takes a conservative approach when it comes to lending for investments such as rental properties, ensuring that the cash flow makes sense and considering potential regulatory risks. Kresser also highlights the availability of unsecured lines of credit for business owners and high net worth individuals, which can be used for various purposes without impacting personal credit. Join Rob Schulz and Bill Kresser on this episode of the Priorities and Lifestyle podcast to learn more about his unique approach to private banking.
 
"You got to be able to sleep at night, and you and I, it's just our job to help them when it comes to financial questions, to be able to give them that peace of mind and make sure that whatever their risk is that we're eluding it or diverting it." - Bill Kresser
 
This week on Priorities Lifestyle:
 
Bill Shares Why An Unsecured Line Of Credit Is So Valuable For High Net Worth Individuals
Gaining And Maintaining Loyalty From Your Clients As A Banker
The Impact Of Low Interest Rates On Residential Real Estate
The Importance of Maintaining Communication And Education Between Bankers and Clients
Diversification In Banking
Setting Up Your Children For Financial Success
Post-College Planning
 
Our Favorite Quotes:
 
"But it comes down to: are you working with somebody that you know that you can trust, that is looking out for you? And that's the same business that you're in, right? It’s a people business, and getting to know people." - Bill Kresser
"That's the risk that bankers have to think about all the time. What's going to happen if this happens here?" - Rob Schulz
 
About Rob Schulz and P&L Priorities & LIfestyle Podcast
 
The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company. 
 
Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation. 
 
Follow Rob on LinkedIn
Follow Schulz Wealth on LinkedIn
Follow Schulz Wealth on Facebook
 
Order Rob’s book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle
 
Subscribe to the podcast here:
Apple Podcast 
Spotify
Google Podcasts
Stitcher
Audible 
And, if you enjoy the show, please leave a review to help others discover the podcast.
*You’re listening to P&L: Priorities & Lifestyle with your host Rob Schulz. Rob is the Founder and President of Schulz Wealth. All opinions expressed by Rob and his guests are solely their own opinions and do not reflect the opinions of Schulz Wealth. This podcast is for informational purposes only and should not be relied upon for investment decisions. Please refer to our website for more information: schulzwealth.com.

Jeff Schafer is a seasoned entrepreneur with a strong background in simplifying processes, building trust, and autonomy. He believes that entrepreneurs are deeply invested in their companies and are willing to put in the necessary effort to succeed. By focusing on defining their vision, working with discipline and accountability, and ensuring team health, Schafer helps entrepreneurs simplify their businesses. Jeff is a strong believer in the EOS system and as an EOS implementer works to help entrepreneurs take the next step in their business. Join Rob Schulz and Jeff Schafer on this episode of the Priorities and Lifestyle podcast to learn more about his unique, informed insights on entrepreneurial success.
 
"I always thought that the key was grit and hard work...But I had to learn how to work smart and healthy. I had to be both healthy and smart." - Jeff Schafer
 
This week on Priorities Lifestyle:
 
Jeff shares why the EOS system is so pivotal for so many businesses
Defining your core values
Hiring, firing, promoting, and recognizing those values in your employees What Jeff aims to accomplish in "Level Ten" meetings Why Autonomy is Crucial in Entrepreneurial Companies The Need For Employees To Understand Their Position Visionaries Vs. Integrators Vision, Discipline, and Team Health  
Our Favorite Quotes:
 
"When you define your core values for your organization, an EOS company is willing to hire, fire, reward, review and recognize people based on those core values. It's a day to day way of life." - Jeff Schafer "I could build a good leader, but I couldn't get a leader to be a good leader themselves. That's where I was capped and so that's what EOS taught me." - Jeff Schafer "We take the leaders in the room, and we discover the core values in the people who are out of the room, because the leaders have brought in great people in the organization, and those core values are often found in the great staff that they already have." - Jeff Schafer  
About Rob Schulz and P&L Priorities & LIfestyle Podcast

The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company. 

Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation. 

Follow Rob on LinkedIn
Follow Schulz Wealth on LinkedIn
Follow Schulz Wealth on Facebook

Order Rob’s book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle

Subscribe to the podcast here:
Apple Podcast 
Spotify
Google Podcasts
Stitcher
Audible 
And, if you enjoy the show, please leave a review to help others discover the podcast.
*You’re listening to P&L: Priorities & Lifestyle with your host Rob Schulz. Rob is the Founder and President of Schulz Wealth. All opinions expressed by Rob and his guests are solely their own opinions and do not reflect the opinions of Schulz Wealth. This podcast is for informational purposes only and should not be relied upon for investment decisions. Please refer to our website for more information: schulzwealth.com.

Matt Krzysiak is the founder of Crest Solutions Group, an organization that helps its clients unlock their business’ potential by turning data into actionable information. Matt is a proven dynamic business leader, problem solver, and communicator known for delivering results. Before founding Crest Solutions Group, Matt held several C-suite and senior executive roles in several companies: Senior Vice President of Administration at USHEALTH Group, CEO of the National Motor Club Holdings, Inc., and Director of Information Systems at Specialized Association Services, Inc. He is also the former owner and director of MARTEX Software. Matt holds a degree in Electrical Engineering from Texas A&M University and received his Master of Business Administration degree from the Cox School of Business at Southern Methodist University.
 
Matt joins me today to discuss how great financial habits such as saving up and intentionally managing his lifestyle and family impacted his financial and personal life later in his career. He describes his professional journey and reveals what he’s learned from founding his own company. He explains how he learned about running a business from experience and why he decided to pursue an MBA later on. Matt also highlights the importance of cultivating culture in an organization and underscores how having a plan and being focused lead to effective execution.
 
“I’ve got the tech background and the MBA, but the big thing about running a business is the people and culture and getting a lot of that right.” - Matt Krzysiak
 
This week on Priorities Lifestyle:
 
Matt’s professional history and the early days of PCs
His journey to self-employment
Balancing entrepreneurship and family
The founding of MARTEX Software
Leaving MARTEX Software and joining Specialized Association Services
The importance of establishing operating agreements early in the business
Why Matt decided to pursue an MBA and how he became involved with Vistage
The value of joining a community for executives like Vistage
Matt’s time and experience at the National Motor Club Holdings
Creating an exit strategy and staying on top of external market forces
How one of Matt’s first consulting clients became his business mentor
Matt’s transition into USHEALTH Group
Joining USHEALTH Group and running its business operations
Taking advantage of a 401(k) matching program
Founding Crest Solutions Group
 
Our Favorite Quotes:
 
“As we’re making these decisions to build our future, we tend to forget that you need to make money to support your family. That’s been a real balancing act through my entire career—ensuring that I’m making enough money to pay the mortgage and that the kids have clothes while my career is moving in the right direction.” - Rob Schulz
“External forces are always at play and will sneak up at you if you’re not paying attention.” - Matt Krzysiak
“Relationships are really important, and you want to ensure that you keep in contact with people.” - Rob Schulz
 
Connect with Matt Krzysiak:
 
Crest Solutions Group
Matt Krzysiak on LinkedIn
Email: info@CrestSolutionsGroup.com | matt@krzysiak.com
 
About Rob Schulz and P&L Priorities & LIfestyle Podcast
 
The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company. 
 
Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation. 
 
Follow Rob on LinkedIn
Follow Schulz Wealth on LinkedIn
Follow Schulz Wealth on Facebook
 
Order Rob’s book, Thoughts on

Pete Essex is the Outscored VP of Sales at Sales Xceleration, a business and consulting services company and pioneer in outsourced sales leadership. With over 25 years of experience as a Vice President of Sales for Fortune 500 and start-up companies, Pete has established and rebuilt sales teams from the ground up. Using the Sales Xceleration process, Pete helps sales organizations identify trends and enhance and develop sales teams and sales strategies to execute their sales growth metrics. Pete holds a BA in Chemistry from the University of Texas at Austin and earned his MBA from Jones International University. He is a veteran who formerly served as a Captain, Commander, and Communications Electronics Staff Officer for the US Army.
 
Pete joins me to discuss how companies can accelerate their sales. He explains how he got into sales in the corporate world after serving in the military and how having the mindset to help and serve customers, as opposed to selling, can help a business. He describes how sales leaders can help companies navigate through an economic downturn. He also highlights the importance of individual coaching, offers his advice on hiring and retaining the best salespeople, and shares why he is passionate about scuba diving and flying.
 
“There are all different kinds of salespeople, but the really good ones listen well, formulate in their head what needs to happen next, and have their set processes.” - Pete Essex
 
This week on Priorities Lifestyle:
 
The importance of sales
Pete’s background and life in the military
His ‘sales infrastructure’ concept and how the fundamentals of sales can turn around a small business
The disconnect between owners, management, and salespeople
The Sales Xceleration process
The difficulty of finding excellent salespeople
Creating compensation structures for salespeople
Diagnosing and recession-proofing the sales of a company
The power of leadership and communication skills
How to motivate salespeople
How to turn around an employee in a rut
 
Resources Mentioned:
 
Book: Traction: Get a Grip on Your Business by Gino Wickman
Book: The First 90 Days: Proven Strategies for Getting Up to Speed Faster and Smarter, Updated and Expanded by Michael D. Watkins
Salesforce
 
Our Favorite Quotes:
 
“If you can’t sell, you’re out of business.” - Rob Schulz
“We talk a lot about getting financial books in order or building financial statements, but we don’t talk about how the fundamentals of sales can really move the needle for a business.” - Rob Schulz
“Sales is the engine that makes companies go.” - Pete Essex
 
Connect with Pete Essex:
 
Sales Xceleration
Email: pessex@salesxceleration.com
Sales Xceleration on LinkedIn
Sales Xceleration on Facebook
Sales Xceleration on Twitter
Pete Essex on LinkedIn



About Rob Schulz and P&L Priorities & LIfestyle Podcast
 
The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company. 
 
Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation. 
 
Follow Rob on LinkedIn
Follow Schulz Wealth on LinkedIn
Follow Schulz Wealth on Facebook
 
Order Rob’s book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle
 
Subscribe to the podcast here:
Apple Podcast 
Spotify
Google Podcasts
Stitcher
Audible 
And, if you enjoy the show, please leave a review to help others discover the podcast.
*You’re listening to P&L: Priorities &

Lily Tapia is the founder and CEO of Exelvest Partners, a team of seasoned executives, finance professionals, and successful entrepreneurs who are passionate about growing companies and creating value. A creative corporate finance executive, Lily has over 30 years of experience in early-stage investing, private equity, commercial and private debt, and mergers and acquisitions. She has worked with hundreds of entrepreneurs throughout her career, helping them achieve successful growth and exits. Before founding Exelvest, she served as the Senior Vice President of Merrill Lynch, where she worked for over 17 years. She holds a Master of Business Administration degree from Florida International University College of Business and a Bachelor of Business Administration & Finance from the University of Florida at Warrington College of Business.
 
Lily joins me today to outline Exelvest’s strategic framework for taking founder-owned businesses to the next level. She shares her background and how she learned about the successes and challenges of founder-owned businesses while working at Bank of America Merrill Lynch. She addresses founder-owners’ concerns about maintaining control over their businesses. Lily also highlights the value of setting a clear vision for your company and underscores the importance of cash flow.
 
“Your vision is where you hope your company will go, but ‘hope’ is not a strategy, so we need to build a strategy to achieve that vision.” - Lily Tapia
 
This week on Priorities Lifestyle:
 
Lily’s background and work with founder-owned businesses
Exelvest’s mission to help founder-owned businesses with capital strategy, growth, and primetime
How Exelvest offers value beyond capital and cash
Finding investors and partners that align with a company’s risk profile and culture
Enterprise values and why business founder-owners need to be clear about their objectives and expectations
Vision, beginning with the end in mind, and strategizing to achieve your company mission
“Finding Nemo” syndrome and aligning with your company vision
Building momentum in your company and executing a strategy quickly and efficiently
Why people are the hardest and most important aspect to manage in a business
Getting clear on what success looks like
How employee retention can be bad for a company
Visibility and being rigorous about your business analytics and trends
 
Our Favorite Quotes:
 
“Enterprise values are where the values of the owner meet the values of the business.” - Rob Schulz
“You need fuel for your business to grow, and your fuel is cash.” - Rob Schulz
“Have the discipline to find the right match where your company or fund hits the bullseye, and you’ll have a better go at it. Set, articulate, and document clear expectations.” - Lily Tapia
 
Connect with Lily Tapia:
 
Exelvest Partners
Exelvest Partners on LinkedIn
Exelvest Partners on Instagram
Exelvest Partners on YouTube
Lily Tapia on LinkedIn
Email: L.Tapia@Exelvest.com
 
About Rob Schulz and P&L Priorities & Lifestyle Podcast
 
The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company. 
 
Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation. 
 
Follow Rob on LinkedIn
Follow Schulz Wealth on LinkedIn
Follow Schulz Wealth on Facebook
 
Order Rob’s book, Thoughts on Things Financial, on Amazon | Barnes & Noble | Kobo | iBooks | Kindle
 
Subscribe to the podcast here:
Apple Podcast 
Spotify
Goog

Ross Paterson is a performance and leadership coach. He is also the President of XM Performance, a consulting, training, and coaching firm that helps small- to mid-sized businesses accelerate their growth. Ross has over 30 years of experience leading, coaching, and teaching in a wide range of environments. He formerly served as the Company Commander of the US Army’s 101st Airborne Division and a general manager at General Electric. In addition to his work at XM Performance, Ross is the founder and Director of Global Fusion, an international development non-profit. He holds a degree in Mathematics from James Madison University.
 
Ross joins me today to discuss what it takes to optimize a business’ work environment. He explains why it’s critical to build marketing and sales systems that regularly create cash flow. He shares how owners can avoid overwhelm and burnout. He discusses emotional intelligence in leadership and outlines his “VGHT” principle. Ross also highlights why having a strategic focus is essential to any business’s success and underscores why every organization needs to be clear on its culture.
 
“Humans want to feel loved and cared for, and they want to work on something that has meaning and purpose.” - Ross Paterson
 
This week on Priorities Lifestyle:
 
Ross’ background and journey to entrepreneurship
How his experience in the military translated to his life in corporate America
The beginning of Ross’ coaching business and the importance of mindset
The ethos behind XM Performance and its mission to make small businesses the best places to work in America
The importance of having a strategic success
Building teams and hiring the right talent for your organization’s culture
The challenges of trying to grow a business quickly
Getting clarity in corporate culture
Passion, purpose, and different workplace attitudes among the newer generation of workers
Making transitions, knowing when to sell, and avoiding burnout
Building leaders in an organization
Ross’ health and why fitness is essential to him as a business owner
 
Resources Mentioned:
 
Book: Delivering Happiness: A Path to Profits, Passion, and Purpose by Tony Hsieh
Book: Multipliers: How the Best Leaders Make Everyone Smarter by Liz Wiseman
Book: The Five Dysfunctions of a Team: A Leadership Fable by Patrick Lencioni
Book: The Perfect Close: The Secret To Closing Sales - The Best Selling Practices & Techniques For Closing The Deal by James M Muir
 
Our Favorite Quotes:
 
“A big part of being a leader is being able to instill confidence in people and building them as future leaders.” - Rob Schulz
“Your success will drive you to the point where you have to find new ways to create revenue.” - Rob Schulz
“Business ownership is hard—it can be demanding and all-consuming. If you get burnt out when the whole business is dependent on you, that business will break down.” - Ross Paterson
 
Connect with Ross Paterson:
 
XM Performance
Email: Ross@XMPerformance.com
XM Performance on LinkedIn
XM Performance on Facebook
Ross Paterson on LinkedIn
 
About Rob Schulz and P&L Priorities & Lifestyle Podcast
 
The P&L: Priorities & Lifestyle Podcast is a show for business owners. In each episode, host and financial planner Rob Schulz sits down with business owners and the professionals that serve them to talk about business building, life, money — and the all-important transition out of the business, which inevitably happens to everyone who has ever founded a company. 
 
Email Rob at rob.schulz@schulzwealth.com with questions and comments, or to schedule a one-on-one conversation. 
 
Follow Rob on LinkedIn
Follow Schulz Wealth on LinkedIn
Follow Schulz Wealth on Facebook
 
Order Rob’s book, Thoughts on Things Financial, on Amazon | Barnes