Risky Assets

Greyhawk Premier Insurance Solutions
  • 5.0 (5)
  • Entrepreneurship
  • Updated Semiweekly

What do you really know about insurance? Charlie Deaver and Daniel Clarke host Risky Assets, a podcast about insurance, financial strategy, entrepreneurship, and business management. They talk about how insurance is a means to investing in the future, and a necessary tool to be wielded by business owners. Their goal in both the podcast and their work at Greyhawk Insurance is to educate people on what proper structure is for their insurance, to think creatively about risk, and to share their experience with business owners who care about doing insurance right. 

  1. 7h ago

    How Businesses Fall Apart, From the Man Who Investigates Them - EP030 with Chris Hamilton

    Chris Hamilton gets called when the money disappears. He is a forensic accountant, which means fires, fraud, and figuring out what a business was worth the minute before it burned.Charlie and Daniel sit down with him for the stories most accountants never get to tell, and the harder lessons from 32 years of building a firm. TIMESTAMPS0:00   The pile of ash: what a forensic accountant walks into0:33   Meet Chris Hamilton2:35   Fires, fraud, and disasters: the work behind forensic accounting6:06   The FBI case: a 1 a.m. informant and a truck full of records13:09   Starting the firm and a partnership where everyone earns the same18:58   What actually breaks partnerships: too much money and not enough22:51   Ownership is who you are today, not who we hope you become24:07   Family, ministry, and work: priorities are on a wheel34:36   Turning down Congress, and the strength that became a weakness45:50   Leading a business like the church, and where fraud creeps in51:57   No bad decisions: the deal that nearly ended the firm1:05:38   Succession, California, and working for the love of the game ABOUT THE GUESTChris Hamilton is a CPA, certified fraud examiner, and certified valuation analyst who has spent his career in forensic accounting and complex civil litigation. He started his firm in 1994, teaches forensic accounting certification around the country, and has served as an elder at Grace Community Church for more than two decades. Connect with Chris Hamilton: https://arxisfinancial.com/about-us/chris-hamilton-cpa-cfe-cva/ ABOUT RISKY ASSETSThe Risky Assets Podcast is produced by Greyhawk Premier Insurance Solutions. Every episode is an honest conversation with entrepreneurs about building businesses, taking smart risks, and protecting what you create. FOLLOW THE SHOWInstagram: @greyhawkinsurance

  2. Jul 20

    How The Right CPA Helps You Grow - EP029 with Joel Peluffo

    Joel Peluffo came to Santa Clarita from Argentina at 16 chasing soccer, and ended up a partner at Hedman Partners, one of the most respected CPA firms in the valley. In this episode Charlie sits down with him for an honest talk about using the right CPA to actually grow a business, not just file taxes. They get into why a great firm says no to clients, why value beats volume, and why chasing a tax write off often costs you more than it saves. Whether you are an owner who wants better numbers or someone weighing a career, this one is worth your time. Timestamps0:00   Meet Joel Peluffo: from Argentina to Santa Clarita 2:52   Soccer, a full ride, and stumbling into accounting 5:55   Getting hurt, marrying young, and betting on a career 9:05   Thirteen years at Hedman and the road to partner 13:08   Why Hedman says no: choosing clients by value, not revenue 20:27   Culture, community, and beating burnout 22:50   Competing with the Big Four and the private equity rollup opportunity 35:25   The truck write off trap and smarter tax strategy 41:09   High W2 earners, shiny loopholes, and the IRS 45:00   Advice for the next CPA: purpose over a paycheck Contact Hedman Partners LLC Website: https://www.hedmanpartners.com/ Phone: (661) 287-6333 Toll Free: (888) 866-4195 Email: info@hpllp.com About Risky Assets The Risky Assets Podcast is produced by Greyhawk Premier Insurance Solutions. We sit down with founders, operators, and experts for honest conversations about building a career, taking smart risks, and the real work behind the wins. Subscribe so you never miss an episode. New episodes weekly. Disclaimer This episode and description are for general educational purposes only and are not tax, legal, or financial advice. Tax rules and treatment change and depend on your situation. Please consult a qualified CPA or attorney before making decisions. Hashtags #RiskyAssets #Entrepreneurship #CPA #Tax #SmallBusiness #Accounting #BusinessOwner #SantaClarita #Leadership

  3. Jul 17

    Trump Accounts Explained: A New Way to Build Wealth for Your Kids - EP028

    There is a new financial tool on the table, and it could change how parents build wealth for their kids and how employers reward their people. In this episode of the Risky Assets Podcast, Charlie and Wesley walk through what the accounts are, the seed money for newborns, and how the accounts compare to the options families already use, including 529 plans, custodial IRAs, UTMA accounts, and cash value life insurance. They get into the part that interests them most as business owners: employer contributions that can be tax deductible and a genuine retention tool, plus the restrictions that keep the money locked away for the kid. This is an honest, opinionated conversation, and both of them are quick to say it: they are insurance guys, not financial advisors. Nothing here is financial or tax advice. Think of it as a starting point, then talk to a professional about your own situation. They will connect you with theirs if you want to dig in. If you are a parent trying to give your kids a head start, or a business owner looking for a simple, meaningful benefit, this one is worth your time. TIMESTAMPS0:00  The $1,000 head start0:31  A newer style: two guys talking money1:15  What the Trump account is, and the honest disclaimer2:09  The seed money and the long term growth math2:52  The restrictions and the Roth conversion at 183:29  How it compares to a 5294:51  Employer contributions and the double tax benefit6:05  The drawbacks and why it is so restrictive7:28  Custodial IRA, UTMA, and the tax tradeoffs8:31  Why they chose cash value life insurance for their own kids9:58  The honest talk on life insurance and commissions11:02  Where the Trump account fits best11:17  Using it as an employee retention tool12:15  Why turnover is a business killer12:52  The complicated bonus strategies they avoid14:20  Do you still need a 529? Doing both15:21  Talk to a financial planner (link below)15:54  Could this replace Social Security?18:13  Final thoughts and how to reach out CONTACT UShttps://www.greyhawkinsurance.com/contact/ DISCLAIMERThis episode and description are for general educational purposes only and are not financial, tax, or legal advice. Account rules, contribution limits, and tax treatment change and depend on your situation. Please consult a qualified financial or tax professional before making decisions. ABOUT RISKY ASSETSThe Risky Assets Podcast is produced by Greyhawk Premier Insurance Solutions. Every episode is an honest conversation with entrepreneurs about building businesses, taking smart risks, and protecting what you create. FOLLOW THE SHOWInstagram: @greyhawkinsurance Hashtags#RiskyAssets #PersonalFinance #WealthBuilding #FinancialLiteracy #Investing #SmallBusiness #EmployeeBenefits #TaxPlanning #KidsSavings

  4. Jul 13

    Comfort Is Why Most Salespeople Fail - EP027 with Thomas Love

    Thomas Love spent ten years building a career in the electrical lighting industry, working his way from the field into outside sales. Then, with a fourth kid on the way, he walked away from a stable job and good people to bet on himself in a career most people never even consider: insurance. In this episode of the Risky Assets Podcast, Charlie and Thomas have an honest conversation about what that leap actually looks like. The pay cut up front, the teeth kicked in during year two, and why Charlie refuses to paint a rosy picture for anyone thinking about making the jump. They get into why a comfortable salary can quietly kill a salesperson, why doing the work right matters more than selling it cheap, and the path to real ownership for producers who put in the work. If you have ever wondered whether insurance is a viable career, or you are staring down a career change of your own, this one lays out the honest tradeoffs, the fear, and the upside from someone who is living it right now. TIMESTAMPS0:00  Why a high salary can make a sales rep too comfortable0:24  Welcome and meet Thomas Love1:10  Ten years in the electrical lighting industry2:37  Great people, why leaving was not easy3:01  What made him want something different3:56  The variability of income across market niches6:03  Hearing about the consistency on the insurance side6:30  How Thomas and Greyhawk got connected7:28  The non rosy pitch: salary, then the grind8:16  It is not just about the money in front of your face9:39  Betting on yourself and steps back to go forward10:40  What excited him beyond the paycheck11:04  Growth as a person and getting uncomfortable12:22  Always wanting to own a business13:34  The path to buying ownership at Greyhawk14:38  Harder than expected: the nuances nobody tells you15:11  Why the insurance sales cycle is a year long16:16  Doing it right versus selling it cheap17:45  The stakes: why one mistake is a big deal18:57  Why a sales rep should be a little hungry19:38  The long term payoff: time, family, freedom19:58  The freedom to sell to anyone and build real relationships20:56  Being more than a broker: connecting people22:09  AI as a learning and training tool24:14  Five year goals and the road to ownership27:00  Focus on what you know and niche down29:41  Insurance is a real career, and it does not have to be grimy ABOUT RISKY ASSETSThe Risky Assets Podcast is produced by Greyhawk Premier Insurance Solutions. Every episode is an honest conversation with entrepreneurs about building businesses, taking smart risks, and protecting what you create. FOLLOW THE SHOWInstagram: @greyhawkinsurance

  5. Jul 7

    He Left a 12-Year Career to Bet on Himself - EP026 with Andrew Maly

    Andrew Maly spent twelve years building a career in orthopedic medical device sales, one of the most talked about paths for anyone leaving college and eyeing big money. Five kids and a mortgage later, he walked away from the stability of a W2 to start his own distributorship from zero. In this episode of the Risky Assets Podcast, Andrew sits down with Charlie to pull back the curtain on an industry most people never get to see. What medical device reps actually do inside the operating room, why it takes two to three years to become competent, how the money really works, and what pushed him to trade a proven paycheck for the risk and freedom of owning his own thing. If you have ever wondered whether to leave a good job to build something of your own, this one is full of the honest tradeoffs nobody posts about. The rosy glasses, the brutal downside, and the advice that kept Andrew from panicking three months in with no revenue on the board. This is a real conversation about betting on yourself with your eyes wide open. Timestamps0:00  The dream: a team that can thrive because of the business0:19  Welcome and meet Andrew Maly0:49  The path into medical device sales3:00  Getting the job that was not a formality4:00  Married young, paying dues, and changing perspective fast9:00  How medical device reps actually get paid10:20  Why it takes two to three years to get competent13:40  Real income ranges, from intro rep to twenty year veteran16:00  Why the money compressed: reimbursements and a race to the bottom17:40  Five kids, a mortgage, and the math that changed everything19:30  Talking to Dad: why start over after twelve years20:50  From idea to launch in a matter of months22:30  Launching Mainly Medical and specializing in upper extremity25:00  Player coach versus building a business bigger than you27:50  Rosy glasses versus the brutal side of entrepreneurship29:00  Three months in with no revenue and staying the course30:00  The 18 month rule: head down before you reevaluate33:40  The three year problem and building a team37:00  What a rep actually does inside the operating room39:40  The income potential of going out on your own40:00  What success looks like at 5543:30  The big pro and the dirty side of med sales ABOUT THE GUESTAndrew Maly is the founder of Maly Medical, an independent medical device distributorship serving surgeons across Los Angeles, Kern, Ventura, and Santa Barbara Counties. After twelve years in the industry, he launched his own company to build something bigger than himself and create opportunity for a future team. Visit Maly Medical: https://www.malymedical.com/ ABOUT RISKY ASSETSThe Risky Assets Podcast is produced by Greyhawk Premier Insurance Solutions. Every episode is an honest conversation with entrepreneurs about building businesses, taking smart risks, and protecting what you create. FOLLOW THE SHOWInstagram: @greyhawkinsurance

  6. Jun 29

    The 1% That Sells Your Home For 20% Higher - EP025 with Melissa Diaz

    She went from nearly 20 years at Hot Dog on a Stick to building a multi-seven-figure home staging and interior design firm. In this episode of the Risky Assets Podcast, Charlie Deaver and Daniel Clarke sit down with Melissa Diaz, founder of Stunningly Staged Homes, to talk about building a real business out of a creative skill. Melissa breaks down the numbers most people never hear: staging can return 300- 500%, homes that are staged tend to sell roughly 80% faster and draw offers around 20% higher, and her listings have moved in about 29 days against a Los Angeles average closer to 55. Beyond the staging stats, this is a candid founder conversation about the slow climb, hiring your weaknesses, building a business that can run without you, pricing your worth, and the unglamorous, inventory-heavy reality behind a business that looks effortless from the outside. Chapters00:00  The numbers behind home staging00:22  A female founder breaking the mold01:16  What Stunningly Staged Homes actually does03:46  From Hot Dog on a Stick to her own firm05:16  Three years before her first hire06:13  Staging vs. interior design, and why they balance08:01  Knowing when to let go and delegate11:16  Can your business run without you for six months?15:34  $250K to almost $5M: the slow climb16:04  Why staging is so inventory-heavy19:42  Why interior design is regulated in California20:45  “I'll just ask ChatGPT”: why DIY usually fails23:21  Being a female founder, and pricing your worth28:13  The staging ROI: 300 to 500%30:07  “Staging costs less than your first price reduction”33:47  What staging a 2,000 sq ft home actually costs37:13  Her biggest challenge, and Covid hitting50:06  Team, ownership, and hiring for behavior57:25  Grass isn't greener: the real cost of working for yourself ABOUT THE GUESTMelissa Diaz is the founder of Stunningly Staged Homes, a Santa Clarita based home staging and interior design firm serving Santa Clarita, Los Angeles, and the Valley. A former director of operations turned entrepreneur, she has grown the company to a team of 12, a 7,000 square foot warehouse, and hundreds of homes staged each year. ABOUT RISKY ASSETSThe Risky Assets Podcast is produced by Greyhawk Premier Insurance Solutions. Every episode is an honest conversation with entrepreneurs about building businesses, taking smart risks, and protecting what you create. CONNECT:Stunningly Staged Homes: https://stunninglystagedhomes.com/ FOLLOW THE SHOWInstagram: @greyhawkinsurance

  7. Jun 22

    The Insurance Lie That Costs You Everything - EP024

    You might be paying for insurance that will never actually pay you back. In this episode of the Risky Assets Podcast, Greyhawk founders Charlie Deaver and Daniel Clarke, joined by the Greyhawk team, break down material misrepresentation: the quiet, common way a “cheaper” policy gets your claim denied when you need it most.Through real cases, a custom-fabrication shop insured under the wrong coverage, a 120-property portfolio missing habitability coverage, and an industrial park misclassified as retail, the team shows how cheaper quotes are often cheaper because a broker misrepresented what you actually do. When that happens, the carrier can deny the claim or void the contract entirely, and suing the broker rarely makes you whole. Along the way you'll get plain-English breakdowns of co-insurance penalties, surplus lines, and why your policy is a legal contract you should actually read before you sign. 00:25  Do it right vs. do it wrong01:41  A custom-fab client and a cheap policy that wasn't03:13  What “material misrepresentation” really means04:25  Why suing your broker won't save you05:49  The apartment quote that was too good to be true07:52  Lie about something small, you'll lie about something big08:55  Co-insurance: the penalty for under-insuring11:23  Brian Hauser: the 120-property habitability case16:44  “I can't knowingly walk you into the lion's den”19:38  Roger Romero: an industrial park misclassified as retail22:30  Your insurance policy is a legal contract25:24  When doing it right pays off (the fire claim)26:11  Eddie: the lie that scares him for the industry28:45  Nobody reads what they sign32:30  A hard market reveals who's swimming naked38:44  Jesse: the bus account and hidden operations43:15  The panel problem, and a workaround that saves clients money48:04  Want Greyhawk to review your policy? FOLLOW THE SHOWInstagram: @risky.assetsGreyhawk Instagram: @greyhawkinsurance #RiskyAssets  #Greyhawk  #Insurance  #CommercialInsurance  #SmallBusiness  #RiskManagement  #Entrepreneurship

  8. Jun 22

    Captive Agents Lost Your Benefits? Now What? - EP023

    Your carrier just changed the contracts, and one of the biggest changes hit where it hurts: benefits. Group health, 401k, life, dental, and more are no longer offered through the corporate plan, which leaves a lot of captive agency owners scrambling to cover themselves and their teams. In this episode of the Risky Assets Podcast, Greyhawk founders Charlie Deaver and Daniel Clarke, a former captive agency owner, break down exactly what changed and what agents can actually do about it. Greyhawk is launching an exclusive nationwide benefits program through BBSI, a professional employer organization (PEO), that lets affected agents jump back into large group rates, keep strong benefits for their teams, and add 401k, workers comp, and HR support along the way. Charlie and Daniel walk through the real questions agents have been asking: the W-2 and contract concerns, group size rules, the October 1 onboarding window, the 15 month rate lock, and who this does and does not fit. Their commitment throughout is simple: help agents, honor their relationships, and never poach their business. GET CONNECTEDAffected by the changes? Start here and our team will collect your details to build your quote:https://greyhawkinsurance.useindio.com/sign-up/3m7V3j5kJzqp_rWcLfeR Daniel is handling these conversations personally, and we will be running webinars over the coming weeks to answer more questions. CHAPTERS00:00 The contract change that shook captive agents00:39 Why this episode is powered by Greyhawk01:23 The big one: benefits cut from the corporate plan01:44 Greyhawk's promise: help agents, never poach02:23 The exclusive BBSI benefits program03:13 Large group vs small group (why your rates jump)04:16 Why BBSI, and the nationwide exclusive05:09 The W-2 and contract questions, answered07:49 Group size rules and workers comp08:49 What is included: 401k, life, dental, vision10:08 Nationwide support and the Aetna and Kaiser network10:52 October 1 onboarding and the 15 month rate lock12:15 How strong benefits help you hire and retain13:18 Who this is, and is not, for13:50 Timeline, deadlines, and no gap in coverage16:15 "Don't be scared of it": the market has changed17:31 Greyhawk's commitment and how to get connected FOLLOW THE SHOWInstagram: @greyhawkinsurance Music from #Uppbeat (free for Creators!):https://uppbeat.io/t/pryces/got-itLicense code: F2GNGAOFQSYFTKPQ

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Ratings & Reviews

5
out of 5
5 Ratings

About

What do you really know about insurance? Charlie Deaver and Daniel Clarke host Risky Assets, a podcast about insurance, financial strategy, entrepreneurship, and business management. They talk about how insurance is a means to investing in the future, and a necessary tool to be wielded by business owners. Their goal in both the podcast and their work at Greyhawk Insurance is to educate people on what proper structure is for their insurance, to think creatively about risk, and to share their experience with business owners who care about doing insurance right. 

Information

  • Creator
    Greyhawk Premier Insurance Solutions
  • Years Active
    2022 - 2026
  • Episodes
    30
  • Rating
    Clean
  • Copyright
    © 2022 Greyhawk Premier Insurance Solutions
  • Show Website
    Risky Assets