Money Talk for Entrepreneurs: Mindset, Tax Strategies & Building Long-Term Wealth with Melanie Cheek

Money Talk for Entrepreneurs: Mindset, Tax Strategies & Building Long-Term Wealth with Melanie Cheek

In this insightful episode, Sharon welcomes financial advisor and entrepreneur Melanie Cheek for a candid conversation about the financial habits, mindset shifts, and planning strategies that can transform an entrepreneur’s future. Melanie shares her personal journey from financial stress and debt to becoming a trusted advisor helping others orchestrate their wealth. Together, they explore why so many Canadians grow up without financial education, how our beliefs about money impact our decisions, and why replacing phrases like “I can’t afford that” with more empowering language can create meaningful change. The discussion dives into practical tools entrepreneurs can use to keep more of their hard-earned money, including Tax-Free Savings Accounts (TFSAs), First Home Savings Accounts, business deductions, health spending accounts, and retirement planning strategies. Melanie explains why entrepreneurs should think differently about saving, how to create a spending plan instead of a budget, and why even small contributions can build significant wealth over time. She also shares valuable insights on reducing taxes legally, understanding financial products, and making informed decisions about RRSPs, TFSAs, and other investment vehicles. Sharon and Melanie also discuss protecting what you’ve built through life insurance, succession planning, and business continuity strategies. The conversation expands into entrepreneurship, delegation, networking, hiring experts, investing in coaches, and creating a business that supports your life rather than consumes it. Whether you’re building your first business, preparing for retirement, or simply trying to make smarter financial decisions, this episode offers practical advice and powerful mindset shifts to help you move forward with confidence. About Melanie Cheek Melanie Cheek is a financial advisor, entrepreneur, and educator who has been helping Canadians build wealth and create financial confidence since 2013. Drawing from her own experiences overcoming debt, financial stress, and entrepreneurship challenges, Melanie is passionate about teaching practical financial strategies that are often missing from traditional education. Through Melanie Cheek Financial, she works with individuals, families, and entrepreneurs to develop customized financial plans, reduce taxes, protect their assets, and create sustainable wealth-building strategies. Melanie is known for her approachable style, commitment to financial education, and dedication to helping people make informed decisions about their money and future. Resources discussed in this episode: * Rich Dad Poor Dad by Robert Kiyosaki [https://www.richdad.com/] * Tax-Free Savings Accounts (TFSA) [https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account.html] * First Home Savings Account (FHSA) [https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account.html] * Health Spending Accounts (HSA) for incorporated business owners [https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/payroll/benefits-allowances.html] * BNI Networking Groups [https://www.bni.com/] * Reset Collective Mastermind Community [https://theresetcollective.ca/] * Startup Lloydminster [https://www.startuplloyd.com/] * Mile IQ [https://mileiq.com/] * You Are a Badass by Jen Sincero [https://www.amazon.ca/You-Are-Badass%C2%AE-Doubting-Greatness/dp/0762447699] * Womanition [https://www.womanition.com/] * The Secret [https://en.wikipedia.org/wiki/The_Secret_(Byrne_book)] * The Seven Spiritual Laws of Success  by Deepak Chopra [https://www.amazon.ca/Seven-Spiritual-Laws-Success-Fulfillment/dp/1878424114] * Talk Money to Me by Kelley Keehn [https://kelleykeehn.com/talkmoneytome/] — Contact Sharon DeKoning | It's Time Promotions:  * Website: itpromo.ca [https://itpromo.ca] * LinkedIn: Sharon DeKoning [https://www.linkedin.com/in/sharon-dekoning-824363b3/] * Facebook: It’s Time Promotions [https://www.facebook.com/share/1SJcg5j7vz/?mibextid=wwXIfr] * Google: It’s Time Promotions [https://www.google.com/search?q=It%27s+Time+Promotions] Contact Melanie Cheek | Melanie Cheek Financial:  * Website: www.melaniecheekfinancial.com  [http://www.melaniecheekfinancial.com] * Email: info@melaniecheekfinancial.com  [info@melaniecheekfinancial.com] * Facebook: Melanie Cheek Financial [https://www.facebook.com/MelanieCheekFinancial] * Phone: (780) 604-3711

Turn Your Website Into a Revenue-Generating System with Gerry Black

Many business owners invest significant time and money into their websites, yet struggle to generate consistent leads or sales. In this insightful episode, Sharon DeKoning sits down with website revenue architect Gerry Black to uncover why most websites underperform and what business owners can do to fix them. Gerry shares his journey from journalism and sales into marketing strategy, where he discovered a passion for helping entrepreneurs avoid costly website mistakes and turn their online presence into a true business asset. Gerry explains one of the most important statistics in online marketing: only 5% of first-time website visitors are ready to buy immediately. The remaining 95% are researching, comparing options, and looking for solutions. This reality changes how business owners should approach their websites. Rather than focusing solely on attracting traffic, Gerry emphasizes the importance of creating clear messaging, communicating a unique value proposition, and answering the critical question every prospect asks: “Why should I choose you over all my other options?” The conversation dives into Gerry’s three-part Website Revenue Architecture framework: capturing attention, generating engagement, and creating conversion opportunities. He shares practical strategies, including lead magnets, email nurturing sequences, testimonials, educational content, blogs, videos, webinars, and LinkedIn optimization. Gerry also discusses how trust is built online through consistent communication and authentic customer success stories, allowing businesses to nurture prospects until they are ready to buy. Whether you’re a small business owner, service provider, or entrepreneur looking to improve your website results, this episode is packed with actionable insights that can help turn your website into a predictable revenue-generating system. About Gerry Black Gerry Black is a website strategist, marketing consultant, and creator of the Website Revenue Architecture framework. With a background in journalism, advertising sales, and telecommunications, Gerry combines persuasive copywriting skills with real-world sales expertise to help entrepreneurs and service-based businesses improve their marketing results. Today, Gerry specializes in helping business owners identify the hidden weaknesses in their websites, strengthen their messaging, and build systems that consistently generate leads and revenue. Based in Barrie, Ontario, he works with businesses across North America, helping them create websites that do more than look good. They actively contribute to business growth. Resources discussed in this episode: * Influence: The Psychology of Persuasion by Dr. Robert Cialdini [https://bookshop.org/beta-search?keywords=Influence%3A+The+Psychology+of+Persuasion+by+Dr.+Robert+Cialdini] * Gerry Black's free guide: Seven Website Leaks That Are Costing You Sales [https://www.marketingwriter.ca/website-revenue-leak-audit/] * You Are a Badass by Jen Sincero [https://www.goodreads.com/book/show/15843166-you-are-a-badass] — Contact Sharon DeKoning | It's Time Promotions:  * Website: itpromo.ca [https://itpromo.ca] * LinkedIn: Sharon DeKoning [https://www.linkedin.com/in/sharon-dekoning-824363b3/] * Facebook: It’s Time Promotions [https://www.facebook.com/share/1SJcg5j7vz/?mibextid=wwXIfr] * Google: It’s Time Promotions [https://www.google.com/search?q=It%27s+Time+Promotions] Contact Gerry Black | Marketing Writer:  * Website: mareketingwriter.ca  [https://www.marketingwriter.ca/website-marketing-system/] * LinkedIn: Gerry Black [https://www.linkedin.com/in/gerryblack/https://www.linkedin.com/in/gerryblack/]

Breaking Through the Ceiling: How Fractional CFOs Help Businesses Grow with John Stevens

In this insightful episode of It’s Time for Success: The Business Insights Podcast, Sharon welcomes back John Stevens, Managing Director of Camilla Advisory Group, for a powerful conversation about fractional CFO services and why they’ve become a game-changer for growing businesses. Drawing on decades of experience as a CFO, CEO, and advisor involved in more than 100 acquisitions, John explains the difference between traditional accounting and strategic financial leadership. He shares how fractional CFOs help entrepreneurs move beyond simply reviewing historical numbers and instead focus on forecasting, cash flow management, profitability, financing, operational efficiency, and long-term business strategy. Throughout the conversation, Sharon openly shares the real-life struggles many entrepreneurs face—seasonal cash flow swings, uncertainty around expansion decisions, and the overwhelming nature of financial statements. John explains how fractional CFOs provide clarity, guidance, and confidence by helping owners understand their numbers, build forecasts, prepare for growth, and make informed decisions around scaling locations, hiring, acquisitions, and succession planning. He also discusses how AI is rapidly changing forecasting and financial modelling, making strategic financial guidance more accessible and efficient than ever before. The episode also dives into mergers and acquisitions, employee ownership, and preparing a business for eventual succession or sale. John explains how his team helps businesses navigate acquisitions, due diligence, strategic buyers, and growth opportunities across Western Canada. Whether you’re a small business owner trying to gain control of your finances or an entrepreneur preparing to scale, this episode is packed with practical insights on how the right financial strategy can reduce stress, improve profitability, and position your business for long-term success. About John Stevens John Stevens is the Managing Director of Camilla Advisory Group and a seasoned executive with extensive experience in financial leadership, mergers and acquisitions, employee ownership, and strategic business growth. Throughout his career as both a CFO and CEO, John has participated in more than 100 acquisitions across Western Canada and has developed a deep passion for helping businesses scale sustainably while preparing for long-term success. Through Camilla Advisory Group, John and his team provide fractional CFO services, employee ownership advisory, and M&A support to businesses of all sizes. Known for his practical, forward-thinking approach, John helps entrepreneurs move beyond day-to-day operations and focus on strategic financial planning, profitability, forecasting, succession planning, and growth opportunities. His mission is to help business owners build healthier, stronger businesses that can thrive well into the future. Resources discussed in this episode: * Poor Charlie’s Almanack - Charles T. Munger [https://en.wikipedia.org/wiki/Poor_Charlie%27s_Almanack] — Contact Sharon DeKoning | It's Time Promotions:  * Website: itpromo.ca [https://itpromo.ca] * LinkedIn: Sharon DeKoning [https://www.linkedin.com/in/sharon-dekoning-824363b3/] * Facebook: It’s Time Promotions [https://www.facebook.com/share/1SJcg5j7vz/?mibextid=wwXIfr] * Google: It’s Time Promotions [https://www.google.com/search?q=It%27s+Time+Promotions] Contact John Stevens | Camilla Advisory Group: * Website: camillaadvisory.com [http://camillaadvisory.com]  * LinkedIn: John Stevens [https://www.linkedin.com/in/johnmstevensexec/] * LinkedIn: Camilla Advisory Group [https://www.linkedin.com/company/camillaadvisory/]

How to Turn Followers Into Buyers with Christine Campbell Rapin

In this episode of It’s Time for Success: The Business Insights Podcast, Sharon DeKoning sits down with business mentor and growth strategist Christine Campbell Rapin for an honest and energizing conversation about what it really takes to grow a successful business. Christine shares her powerful perspective on building a “growth engine” — the simple but effective system of generating leads, making offers, and consistently creating momentum in your business. Together, Sharon and Christine unpack the difference between followers and buyers, why networking and relationships still matter in an AI-driven world, and how entrepreneurs can stop overcomplicating growth. They discuss marketing strategies that create curiosity, the importance of human connection, and why introverts can still thrive in networking and speaking environments. Christine also shares practical advice on social media, websites, business development, and how to create sustainable systems without relying on expensive tech or complicated funnels. This episode is packed with actionable business insights for entrepreneurs who feel overwhelmed, stuck in the weeds, or unsure how to scale. From the power of clarity breaks and CEO days to the importance of mentorship, accountability, and giving back, Sharon and Christine deliver a conversation that feels both motivating and refreshingly real. About Christine Campbell Rapin Christine Campbell Rapin is a business mentor, speaker, and growth strategist who helps entrepreneurs commercialize their ideas, attract dream clients, and build profitable businesses with clarity and confidence. Known for combining practical strategy with honest accountability, Christine works with business owners to simplify growth, strengthen relationships, and create sustainable business engines that actually work. With decades of experience supporting entrepreneurs and generating measurable business growth, Christine is passionate about helping business owners stop spinning their wheels and start creating momentum. Through speaking, mentorship, events, and her podcast, she empowers entrepreneurs to think bigger, act boldly, and build businesses that align with both their goals and their lifestyle. Resources discussed in this episode: * The 12 Week Year by Brian P. Moran & Michael Lennington [https://12weekyear.com/] * OpusClip [https://www.opus.pro/] * EOS Worldwide [https://www.eosworldwide.com/] * BNI [https://www.bni.com/] — Contact Sharon DeKoning | It's Time Promotions:  * Website: itpromo.ca [https://itpromo.ca/] * LinkedIn: Sharon DeKoning [https://www.linkedin.com/in/sharon-dekoning-824363b3/] * Facebook: It’s Time Promotions [https://www.facebook.com/share/1SJcg5j7vz/?mibextid=wwXIfr] * Google: It’s Time Promotions [https://www.google.com/search?q=It%27s+Time+Promotions] Contact Christine Campbell Rapin | CLEAR Acceleration Inc.: * Website [https://christinecampbellrapin.com/] * LinkedIn [https://www.linkedin.com/in/christinecampbellrapin] * Instagram [https://www.instagram.com/christinecampbellrapin] * Facebook [https://www.facebook.com/ChristineCampbellRapin] * YouTube [https://www.youtube.com/@christinecampbellrapin] * Podcast [https://christinecampbellrapin.com/podcast]

Building Capacity, Culture, and Future Leaders with Ian Chisholm

Sharon welcomes Ian Chisholm, co-founder of Roy Group, for a deep conversation about the evolution from entrepreneur to leader. Ian shares how failing to become a doctor unexpectedly led him into the world of executive education and leadership development, where he discovered a passion for helping organizations build future leaders. Together, Sharon and Ian unpack the difference between managing tasks and developing people, exploring how mentorship, delegation, emotional intelligence, and intentional leadership shape successful businesses. Ian explains that leadership is not simply about getting work done—it’s about creating the capacity for others to grow. He introduces powerful concepts like “attention over intention,” the idea that leaders must slow down enough to truly observe, coach, and develop their teams instead of constantly reacting and hustling. Through stories, practical examples, and leadership tools like LOFT (Lit, Open, Focused, Transparent) and the “Third Chair” method, Ian demonstrates how leaders can improve communication, foster ownership, and build stronger workplace cultures where employees feel valued and inspired. Sharon and Ian also dive into company culture, employee fulfillment, delegation, succession planning, and the emotional atmosphere leaders create in the workplace. They talk about the importance of building businesses people actually want to work in, the dangers of burnout culture, and why leadership must become something others aspire to rather than avoid. Whether you’re a small business owner, manager, entrepreneur, or team leader, this episode is packed with actionable leadership insights, mentorship strategies, and mindset shifts to help you grow both your business and your people. About Ian Chisholm  Ian Chisholm is the co-founder of Roy Group, a leadership development organization dedicated to helping individuals and organizations discover purpose-driven leadership. Ian has spent decades working with senior leaders, executive teams, and emerging leaders across North America and internationally. His work focuses on mentorship, coaching, succession planning, and helping organizations build cultures where leadership can thrive. Ian has played a significant role in executive education initiatives, including work with the award-winning Columba 1400 Leadership Centre in Scotland. Known for his engaging storytelling and practical leadership tools, Ian helps organizations move beyond traditional management toward mentorship-centered leadership that develops future generations of leaders with integrity, awareness, and purpose. Resources discussed in this episode: * Columba 1400 Leadership Centre [https://columba1400.com/] * Strategic Coach by Dan Sullivan [https://www.strategiccoach.com/] * The Official BNI Podcast with Dr. Ivan Misner [https://www.bnipodcast.com/] * Quiet Champions: A Way Forward for Mentors in Turbulent Times by Ian Chisholm [https://quietchampions.ca/] — Contact Sharon DeKoning | It's Time Promotions:  * Website: itpromo.ca [https://itpromo.ca] * LinkedIn: Sharon DeKoning [https://www.linkedin.com/in/sharon-dekoning-824363b3/] * Facebook: It’s Time Promotions [https://www.facebook.com/share/1SJcg5j7vz/?mibextid=wwXIfr] * Google: It’s Time Promotions [https://www.google.com/search?q=It%27s+Time+Promotions] Contact Ian Chisholm | Roy Group:  * Website [https://www.theroygroup.com/] * LinkedIn [https://www.linkedin.com/in/ian-chisholm-a64a38/] * LinkedIn: Roy Group [https://www.linkedin.com/company/roygroupleadership/]