Ep. #42: David & Fransisco - Building an $85mil Fund (Utah’s #1 Hard Money Lender)

Ep. #46: Invest Like the 0.01%: Asset Allocation, My Six-Figure Losses, and Portfolio Diversification

Are you too heavily exposed to a single asset class? In this solo masterclass, I break down what I’ve learned from spending six figures on my own education to discover how the top 0.01% of investors manage their wealth. I share my personal wake-up call when I realized my own net worth was 97% real estate heavy, prompting me to check my pride, eliminate emotion, and intelligently diversify my portfolio based on history's greatest investment minds. I walk through the tactical approaches of investment legends—contrasting Warren Buffett's "buy quality and hold forever" philosophy with Benjamin Graham's strict, zero-emotion focus on under-market asset pricing and downside protection. I detail Ray Dalio’s famous All Weather Portfolio, breaking down the exact macroeconomic allocations across stocks, bonds, and commodities designed to survive any financial storm. I also reveal the exact portfolio mix of self-development icon Tony Robbins, contrasting institutional private equity plays with retail strategies. About Your Host I am a seasoned Utah real estate investor, advisor, and agent who has closed over $50 million in transactional volume. After starting my career grinding through cold calls and building a portfolio of 13 rental doors, I shifted my focus to portfolio optimization and tax strategies for high earners. I use my platform, the Winning Balance podcast, to openly document my path to wealth, sharing both high-leverage investment wins and raw, unfiltered lessons from my largest financial failures. Key Topics Discussed: * The Frugality vs. Quality Debate: Why I skip Warren Buffett’s extreme penny-pinching but completely adopt his rule of prioritizing prime market assets over cheap, high-headache properties. * The 18% Yield Trap: A warning on high-yield, uncollateralized hard money loans in the door-to-door solar and pest control spaces, and how investors blindingly chase upside while ignoring a 100% downside risk. * Ray Dalio’s All Weather Allocation: A detailed look at Dalio's recommended framework: 40% long-term bonds, 30% US stocks, 15% intermediate bonds, 7.5% commodities, and 7.5% gold. * Tony Robbins’ Portfolio Breakdown: Highlighting how Robbins structures his capital with 52% in private equity, 25% in private real estate, and 23% in hedge funds. * My $300k+ Learning Curve: A transparent review of my biggest losses, including a $40k automated Amazon store scam, a $40k mobile home flip failure, and a $200k loss on my first creative finance deal that forced me to master real estate contracts. * The Reality of Net Worth Tracking: How a mentor's advice to audit personal financial habits helped me reduce my real estate exposure down to a safer 80% baseline. * The Set-it-and-Forget-it Core: How I use low-fee index funds (VOO) and asset-backed hard money funds (Copa Capital at 11% compounded monthly) to build stress-free, automated wealth outside of my active real estate transactions. If you are under 35 and have only built wealth in a bull market, this episode is a vital check on your downside risk. True wealth optimization isn't about getting rich quick—it's about buying what you understand, vetting operations, and building a portfolio that stands the test of time. Hit that subscribe button and start optimizing your financial framework today.

Ep. #45: Jaylon Vickers – Earn Your Spot: Building a Cleaning Empire While Putting Family First

Jaylon Vickers is the founder and CEO of MVP Cleaning, a company on track to hit $2 million in annual revenue by scaling aggressively into the commercial cleaning space. A former walk-on football player at BYU, Jalen applies that same "earn your spot" grit to the business world. In this episode, Jalen shares: * The Tech Sales Transition: Why he walked away from a comfortable tech salary to build a service-based business from the ground up. * The Power of "Presence": Why being a present father is the ultimate antidote to the "poverty trap" and how to stay grounded in a Utah bubble. * Scaling with Focus: How joining a high-level coaching framework helped him increase revenue by $30k–$40k a month just by cutting out the fluff. * Faith as the Foundation: Why a relationship with a higher power is the key to navigating the high-pressure seasons of entrepreneurship. If you’ve ever wrestled with the fear of "starting over" or wondered how to maintain a high-growth business without losing your connection to your spouse and kids, Jalen’s story of resilience and intentionality will give you the blueprint to level up.

Ep. #44: Joe – Scaling Tech, Beating Burnout, and Why Family Is Your Only Non-Negotiable

Burnout, and the "Dumb Kid" Success Story Joe is more than a veteran of the Utah tech scene—he’s a founder, a father of four, and a marathon runner who recently transformed his life by losing 65 pounds. After serving as a key early employee at Simple Nexus and witnessing its rise to a $1.2 billion valuation, Joe stepped out on his own to found Social Coach. In this episode, Joe shares: * The cost of an exit: The raw reality of moving his family every 18 months across the country and the toll of traveling three weeks out of every month to scale a massive tech company. * The power of spousal support: How his wife Natalie’s belief in him served as the bedrock for his career, even during the years he went without a paycheck while betting on himself. * Social media as the great equalizer: Why consistent, niche video content is currently driving 22% year-over-year growth for modern loan officers and real estate agents. * Non-negotiable family time: The exact practices Joe uses to stay present for birthdays and swim meets while managing a national enterprise, and why "no success in the workplace can substitute for failure in the home." If you’ve ever felt like you had to choose between being a top-tier professional and a present parent, Joe’s journey from being the "dumb kid" in class to a high-level executive will give you a fresh perspective on how to embrace the changes that matter most.

Ep. #43 London Lazerson - Life Outside 10 Million followers & Final Boss Sour in Walmart

London Lazerson has over 10 million followers and billions of views, but his greatest pivot wasn’t a viral trend—it was an ego death. After reaching the peak of TikTok fame, London realized he was playing a character that didn’t fit his life as a husband and father. In this raw and unfiltered conversation, he joins Tanner to discuss the transition from "viral experiment" to authentic entrepreneurship with Final Boss Hour and The Rubdown. London pulls back the curtain on the "messy middle" of a young marriage, discussing everything from getting married at 21 to navigating a separation and eventually rebuilding a rock-solid foundation. He offers a rare look at the "inverse envy" of the entertainment world—where world-famous celebrities crave the stability and family life that young entrepreneurs often try to trade for fame. Key Topics Discussed: * The Ego Death: Moving past a "cringe" social media persona to find genuine happiness in long-form storytelling. * Young Marriage & Resilience: A candid look at high-school sweethearts navigating fame, curiosity, and commitment. * Fatherhood as "Biological Adderall": Why having a daughter forced London to dial in his focus and maximize his time like never before. * Vulnerability in Utah: Breaking through the religious "checklist" to have honest conversations about religion and self-worth. * The Death of Follow Culture: Why view counts and authentic engagement have replaced the vanity metric of follower counts. * Building in Public: Using LinkedIn as a transparent reporting tool for business growth rather than just a "professional" resume. If you’ve ever felt the pressure of "hustle culture" or wondered what happens after the cameras turn off, London’s insights on reality and resilience will change your perspective on what it means to win.

Ep. #42: David & Fransisco - Building an $85mil Fund (Utah’s #1 Hard Money Lender)

What happens when a multi-million dollar partnership reaches its breaking point? For David and Francisco, it was the catalyst for creating Copa Capital Partners—a hard money lending firm built on the radical idea that ethics and family values should drive every financial decision. In this episode, the team behind one of Utah’s most successful lending platforms pulls back the curtain on building a powerhouse from the ground up. David and Francisco share the raw story of walking away from a $245M fund to start over at zero. They discuss the "Team David" transition, where their entire staff took pay cuts to follow them into a rinky-dink first office because they believed in the mission. From maintaining a disciplined, "boring" fund that delivers consistent 11% returns to managing the stress of deploying millions while raising large families, this is a masterclass in high-level entrepreneurship. In this episode, David and Francisco shared: * The "Team David" Transition: The leap of faith taken by an entire staff to prioritize ethics over a steady paycheck. * Protecting the Fund: How Copa maintains disciplined underwriting to ensure safety for both borrowers and investors. * The Hard Money Standard: Why Francisco became the top lender in Utah and how they maintain relationships through market cycles. * Priorities in Play: A profound look at "Adoration vs. Admiration" and how personal marriage habits impact business success. * The Hustle & The Correction: Why you have to work hard, but also know when to "swim back to the board" and realign with family. Whether you are a fix-and-flip investor or a "young hustler" trying to scale responsibly, David and Francisco offer a roadmap for building a business that you—and your family—can actually be proud of.