Make It Make Cents

Making Success Make Cents: The CPA Playbook

Money decisions are rarely just about the math. Usually, they’re about that sinking feeling you get when you realize you might be in over your head. For most of us, that moment doesn't come with a warning label. It just sneaks up quietly right as a life change or a new business venture starts getting more complicated than we expected. Kim Hall joins us today as a CPA and business owner who actually lived that transition herself. She walked away from a comfortable corporate accounting career to build her own firm from scratch, so she’s been in the trenches. Since then, she’s helped everyone from individuals with simple tax questions to entrepreneurs trying to figure out a full-scale business plan. Her goal isn't just to file a return and move on. She helps people build a strategy so they can make smart calls before a problem ever shows up. We’re diving into the real-world difference between just "doing your taxes" and actually planning for them, plus how to know when it’s finally time to stop DIY-ing and bring in a professional. Kim also shares some high-stakes advice on keeping your personal and business money separate, planning for the long haul, and spotting financial fraud before it has a chance to drain your bank account. Episode Highlights:  [06:02] Kim shares how her decision to start a CPA firm was driven by wanting more control over her schedule and being present for her kids. [07:27] We learn how new clients typically reach out for help and what those first conversations look like. [09:21] Kim walks through common setup considerations like entity structure, taxes, and registrations. [10:26] We break down the misconception that filing taxes online is the same as working with a CPA. [11:37] The conversation turns to how often business owners mix personal and business finances and why that creates problems. [12:14] We talk about helping clients properly set up accounts and systems to stay organized and audit-ready. [13:21] Kim emphasizes that being skilled at a trade is very different from understanding the financial side of a business. [14:03] She reflects on the early challenges of starting her firm, including the financial adjustment and building from zero. [15:06] Kim explains why many businesses aren’t profitable in the first year and what to expect financially. [16:02] A turning point comes from social media advertising, which helped her quickly grow her client base. [17:37] The conversation shifts into tax season and the importance of understanding preparation versus planning. [18:04] Kim clearly defines tax preparation as reporting the past and tax planning as making proactive decisions. [22:44] We dive into fraud trends, including email scams and fake payment instructions targeting businesses. [23:16] Real-world examples highlight how small details, like a changed domain name, can lead to major losses. [24:45] Kim shares why reaching out early before tax season can make a big difference. [25:35] We talk about the importance of budgeting for unexpected expenses in both personal and business finances. [26:02] Planning emerges again as the key habit that separates successful businesses from struggling ones. [27:04] Thoughts on building trusted relationships with financial institutions and advisors. Resources & Links:  * Acclaim Federal Credit Union [https://www.acclaimfcu.org/] * Tommy Riggins - LinkedIn [https://www.linkedin.com/in/tommyriggins/] * Kim Hall CPA [https://www.kimhallcpa.com/] * Kim Hall CPA - Facebook [https://www.facebook.com/profile.php?id=61563339698001]

One More Mission, A Lifetime of Honor

Some people talk about making a difference, and some people actually do the work. Today's guest is firmly in the second category. Alison Huber is the Executive Director of Triad Honor Flight, a 100% volunteer-driven nonprofit that takes local veterans on a one-day trip to Washington, D.C. to visit the memorials built in their honor. What started as a personal mission became something much bigger, and the stories that have come out of it are the kind that stay with you. Running a nonprofit is no small thing, and Alison does it while holding down a full-time career and, somehow, a personal life. In this conversation, she walks us through what it actually takes to get a 501c3 off the ground, the costs most people don't anticipate, and how she managed to launch an organization in March of 2020. Yes, that March of 2020. Her financial instincts are sharp, her resourcefulness is real, and the way she thinks about money, both for Triad Honor Flight and in her own life, is something anyone can take something from. We also get into the details that set Triad Honor Flight apart, and I do mean details. From the jackets to the stamps on the cards they send after every flight, Alison thinks about all of it. If you've ever wondered how to stretch a dollar further, how to build something meaningful from scratch, or how to stay organized when life is pulling you in every direction, this conversation is worth your time. Episode Highlights:  [1:40] Guest co-host Tommy Riggins introduces himself and shares the roles that fill his “spare time.” [2:36] Alison Huber is the Executive Director of Triad Honor Flight, a 100% volunteer-driven nonprofit. [3:41] The purpose of Triad Honor Flight comes into focus: honoring veterans through one-day trips to Washington, D.C. [4:47] The conversation shifts toward what listeners don’t see is the work behind each Honor Flight. [5:33] Planning is described as a year-round effort requiring volunteers, sponsors, guardians, and detailed coordination. [6:12] Staying organized becomes the theme, with calendar systems framed as essential survival tools. [7:08] Passion is highlighted as a major driver of productivity and follow-through. [8:44] Boundaries around business hours are shared as a strategy for sustainability and balance. [9:49] The discussion turns toward the early stages of launching a nonprofit. [10:43] Research, mentorship, and understanding the market are emphasized as foundational steps. [11:52] The necessity of forming a board, establishing bylaws, and securing legal structure is explained. [12:39] Misconceptions about nonprofit costs are addressed, beginning with insurance requirements. [13:46] Liability considerations and risk protection emerge as critical realities. [14:14] Early operational challenges reveal the unexpected need for database systems beyond spreadsheets. [15:23] Launching in March 2020 is recalled as both exciting and financially uncertain. [16:18] Creative fundraising pivots, including yard sign campaigns, helped build awareness. [17:11] Small-dollar contributions are described as powerful momentum builders. [18:42] Supporter engagement expands into time, talent, and financial contributions. [19:37] Matching volunteer roles to individual strengths is framed as a success factor. [20:58] Personal financial lessons begin to surface from years of nonprofit leadership. [21:17] Frugality is described as both a personal mindset and an organizational discipline. [22:31] Attention to detail is highlighted as a defining strength of Triad Honor Flight. [24:39] Emotional reflections center on veterans whose flights fulfilled lifelong dreams. [25:26] Pride and meaning are tied to seeing Honor Flight jackets worn long after the trips. [26:24] A lighthearted rapid-fire segment brings a noticeable shift in tone. [27:09] Preferences reveal a blend of planner and phone calendar for staying organized. [28:34] Feelings of “not deserving” Honor Flight participation are discussed. [29:36] Donation and application details are shared with listeners. [30:12] Veterans and guardians are encouraged to apply despite the waitlist. [31:27] The episode closes on gratitude and reflection. Resources & Links:  * Acclaim Federal Credit Union [https://www.acclaimfcu.org/] * Tommy Riggins - LinkedIn [https://www.linkedin.com/in/tommyriggins/] * Triad Honor Flight [https://www.triadhonorflight.org/] * Alison Huber - LinkedIn [https://www.linkedin.com/in/alison-huber/]

CyberSense

This month is Cybersecurity Awareness Month, so we have a guest who can help make sense of what all of this really means. Cyber threats have a way of sneaking into our everyday lives through emails, texts, or a call that sounds just convincing enough to make you hesitate. It’s easy to think cybersecurity is something for IT experts, but in truth, it’s something we all have to think about. Our guest today is Tommy Riggins, Managed Services Account Executive at Zirrus Technology Solutions. He spends his days helping organizations protect their systems and their people, but what stands out most is how clearly he talks about it. No jargon, no scare tactics, just solid, practical advice. Tommy shares what actually works: longer passwords, regular software updates, multi-factor authentication. None of it’s complicated, but together, it makes a big difference. We also talk about how artificial intelligence is changing the game, what kinds of scams are showing up most often, and what to do if you ever get caught off guard. Tommy’s take is steady and reassuring. He reminds us that cybersecurity is about awareness not fear. And once you start thinking about it that way, it becomes part of how you move through your day. Episode Highlights:  [00:40] October marks Cybersecurity Awareness Month, and Tommy Riggins joins the show to share his expertise. [01:28] Tommy talks about his background, community involvement, and why cybersecurity is personal to him. [02:34] Acclaim Federal Credit Union celebrates winning a financial education award for this very podcast. [03:17] Tommy explains why cybersecurity is critical for credit unions and how Cybersecurity Awareness Month began. [04:01] Discussion on how people have grown numb to spam and scams, and why awareness must stay top of mind. [05:20] Everyday habits that put people at risk and how simple clicks can lead to major security breaches. [06:08] The growing threat of phishing, fake texts, and social engineering targeting busy consumers. [07:24] How stolen data from breaches is sold on the dark web and used for new forms of attacks. [08:50] Tips on slowing down, questioning urgency, and thinking before clicking or sharing personal information. [09:30] Tommy shares three key actions members can take right now to protect accounts and devices. [10:15] Why longer passwords and password managers are essential for modern security. [11:00] Keeping software up to date and treating your data like you’d protect your home or car. [11:45] We trade creative password ideas using hymns and personal phrases. [12:19] The importance of skepticism and situational awareness in everyday digital life. [12:55] How Zirrus Technology Solutions helps credit unions make cybersecurity part of their culture. [13:43] Security awareness training as the first line of defense and why employees are often the weakest link. [15:12] Building trust and simplifying cybersecurity for non-technical audiences. [15:44] What to do if you think you’ve been a victim of a cyber scam. [17:20] A real-life example of someone who hesitated to report a scam and why speaking up matters. [18:21] How older generations can be more trusting—and more vulnerable—to online fraud. [19:50] Looking ahead: how AI and easy-to-use hacking tools are changing the cybersecurity landscape. [20:53] Why multi-factor authentication should be standard across all platforms. [23:14] Balancing concern with confidence: how tech professionals are working to stay ahead of threats. [24:50] Resources for Cybersecurity Awareness Month, including CISA and NCUA. [25:30] The importance of ongoing training and awareness for credit union staff and members. [26:47] Acclaim’s excitement about opening its new branch in Stoneville in January 2026. [27:36] Closing thoughts and reminder to visit acclaimfcu.org for resources and future episodes. Resources & Links:  * Acclaim Federal Credit Union [https://www.acclaimfcu.org/] * Tommy Riggins - LinkedIn [https://www.linkedin.com/in/tommyriggins/] * ZTS [https://www.ztsmsp.com/] * Zirrus [https://zirrus.com/]

Mortgages Made Simple

Buying a home is a milestone, but getting there often means facing a maze of mortgage terms, credit requirements, and unexpected costs. For someone starting out, it’s not just about coming up with a down payment, it’s about understanding the bigger picture of what lenders look for and what it really takes to qualify. Jennifer Kettlewell from myCUmortgage walks through that picture in plain terms. She explains why credit scores carry so much weight, how conventional and government-backed loans differ, and why things like escrow accounts and PMI end up surprising so many buyers. Her advice on building credit, starting small with both revolving and installment loans, and preparing for upfront costs feels especially relevant for younger buyers who want to avoid common missteps. The conversation doesn’t shy away from the practical side either. Debt-to-income ratios, the role of student loans, and even how buying a car too soon can derail a mortgage application all come up. Taken together, it’s a realistic guide that helps first-time buyers see the process clearly and understand how to prepare before they start shopping for a home. Episode Highlights:  [02:08] Jennifer explains the two main types of mortgages: conventional and government-backed. [04:06] Discussion on how credit scores impact mortgage eligibility and interest rates. [04:35] Jennifer shares tips for building credit as a young adult, including using credit cards responsibly. [06:05] Advice on using installment loans and trade lines to establish credit history. [06:59] Breakdown of down payment expectations for first-time homebuyers and program options. [09:08] Jennifer outlines additional upfront costs like closing costs, escrows, and prepaids. [10:56] Conversation about private mortgage insurance (PMI) and how credit scores affect the cost. [11:56] Debt-to-income ratios explained for different mortgage types, including conventional, FHA, USDA, and VA. [13:40] How student loans are factored into mortgage qualification. [14:35] Property taxes and homeowner’s insurance increases and their effect on monthly payments. [15:51] Budgeting for home maintenance and saving for future expenses. [18:08] Discussion on market conditions, interest rates, and first-time homebuyer confidence. [20:10] Common mistakes young buyers make, like financing expensive cars before buying a home. [21:05] Jennifer walks through the mortgage process for a first-time buyer, from application to pre-approval. [23:23] Jennifer shares her best financial advice about saving, limiting liabilities, and living simply. Resources & Links:  * Acclaim Federal Credit Union [https://www.acclaimfcu.org/] * Jennifer Kettlewell - LinkedIn [https://www.linkedin.com/in/jennifer-kettlewell-1748147/] * myCUmortgage [https://www.mycumortgage.com/]

Cracking The Credit Code: How Credit Scores Work and Why They Matter with Valerie Lentz

A credit score might seem like just a number, yet it can raise or lower the cost of everything from a car loan to your monthly insurance bill. Joining me is Valerie Lentz, Senior Vice President at Performance Pro Consulting and a self‑described credit nerd who has spent more than two decades teaching credit‑union teams how to read reports line by line and spot the stories hidden in the fine print.  Valerie breaks down what those three digits really measure, why on‑time payments and low card balances carry the most weight, and how even a single late fee can be repaired with smart moves like share‑secured loans or starter cards. We also tackle the biggest misconceptions; income and a wallet full of new cards do not boost your score, and we share practical tips for building credit from scratch, checking all three bureaus before big purchases, and steering clear of soaring variable‑rate cards.  If you have ever wondered how to crack the code on credit and keep more money in your pocket, this conversation will make the mystery feel a whole lot smaller. Episode Highlights:  [01:45] Valerie can read a credit report better than anybody I've ever seen. [02:00] A credit score is a number ranging from 850 to 300. Credit scores predict the rate you will pay and can even determine if you get a job. [03:03] Landlords use credit reports to qualify you to rent and to determine your security deposit. Auto insurance companies also pull a copy of your credit report to determine premiums. [05:20] Misconceptions about credit scores include shopping for credit can actually hurt you. Stick with two to three new counts a year. Credit score is not based on your income. Being an authorized user can help you or hurt you depending on the credit of that account. [07:40] Credit monitoring using services like Credit Karma. [09:05] Building a good credit history from scratch. [10:57] Start building credit before you need it. [12:49] Recovering from credit mistakes like a missed payment. Strategies include to start making payments on time and continue making them on time. A secured loan with on time payments could also help. [15:34] If you see something inaccurate you can go to the credit bureaus: TransUnion, Experian and Equifax and report it. [17:55] Payment history and how you handle credit card limits affect your score. Keep it around 30% to maximize your credit. [20:21] Keep in mind the type and amount of interest that you are paying on your credit cards. [22:24] Make sure you read the disclaimers and disclosures on your card. [23:03] We learn who has inspired Valerie the most when it comes to her use of credit. Resources & Links:  * Acclaim Federal Credit Union [https://www.acclaimfcu.org/] * Performance Pros Consulting [https://winwithppc.org/] * Valerie Lentz - Performance Pros Consulting [https://winwithppc.org/about-us/] * Valerie Lentz - LinkedIn [https://www.linkedin.com/in/valerie-lentz-29219342/] * Credit Karma [https://www.creditkarma.com/]