Vital Wealth Strategies

133 | The Investment Game Is Rigged… Here's How to Get On the Right Side of It with Mike Collins

What if the most powerful wealth-building investment on the planet has been deliberately kept out of reach, until now? In this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Mike Collins, founder of Alumni Ventures, one of the most active venture capital firms in the United States, for a conversation that will fundamentally change the way entrepreneurs think about building and growing wealth. Mike brings over three decades of venture capital experience, starting at TA Associates in Boston in 1986, and has spent the last 12 years cracking open access to elite startup deals for everyday investors, the same deals backed by Andreessen Horowitz, Sequoia, and Benchmark and making them available to a community of 25,000 individual investors through Alumni Ventures. Patrick and Mike go deep on exactly how venture capital works, how it differs from private equity, and why a diversified portfolio of startups may actually be one of the most prudent moves an entrepreneur can make with their wealth. They unpack the explosive opportunities emerging right now in AI, defense tech, nuclear energy, and biotech drug discovery, and reveal why 2026 is shaping up to be one of the most target-rich environments for venture investing in a generation. Mike also shares the Alumni Ventures framework for evaluating deals, the tax advantages savvy investors are using, including QSBS, Roth IRA conversion strategies, and cash balance plan rollovers and why the illiquidity of venture capital is actually one of its greatest strengths for long-term wealth building. This is a must-listen for any entrepreneur serious about putting their money where the real value is being created. Key Takeaways * The best venture capital deals have historically been locked behind institutional access; Alumni Ventures pools capital from 25,000 individuals to co-invest alongside tier-one VCs like Andreessen Horowitz, Sequoia, and Benchmark under the same terms * A smart VC strategy targets a portfolio of approximately 100 companies built over 3–4 years - 5–10% of those investments can generate returns large enough to make the entire portfolio worthwhile * Venture capital and private equity are fundamentally different, VC bets on early-stage growth companies while PE focuses on established businesses, leverage, and financial engineering * Adding alternatives like venture capital to a portfolio reduces overall volatility and protects against the compounding damage that market drawdowns cause to long-term wealth * The illiquidity of venture capital is a feature, not a flaw, it eliminates emotional short-term decision making and forces the patient, disciplined approach that actually builds generational wealth * AI is just one of several exciting frontiers right now, nuclear energy, space communications, defense tech, and AI-driven drug discovery are all generating compelling venture opportunities in 2026 * Powerful tax strategies including QSBS (Section 1202), Roth IRA conversions on discounted private holdings, and cash balance plan rollovers can dramatically reduce or eliminate the tax burden on venture capital gains * Alumni Ventures offers flexible entry points including diversified funds, sector-specific funds, and individual deal access so investors can participate at whatever level fits their goals and risk tolerance * By the time a company goes public, the most explosive growth phase is already over; getting in early through venture capital means investing where value is actually being created, not chasing it after the fact Learn More About Mike: * Website: av.vc [https://av.vc] Resources:    Visit www.vitalstrategies.com [http://www.vitalstrategies.com/] to download FREE resources      Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs [https://www.vitalwealth.com/podcasts/]   Follow on Instagram at https://www.instagram.com/vital.strategies [https://www.instagram.com/vital.strategies]       Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast [https://www.facebook.com/VitalStrategiesPodcast]      Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/ [https://www.linkedin.com/in/patricklonergan/]      Credits:     Sponsored by https://www.vitalwealth.com/Vital Wealth [https://www.vitalwealth.com/]     Music by https://open.spotify.com/artist/6ullBRZTTK0lT7fUqbgbKD?si=GlsDiJdeSg2bLkb3lxO0Ig&fbclid=IwAR1Gn1Jz2thWofOrFilg6HV1AcxV5AumMjNyTH_5xvrtQsnVuPElY9XzVFU&nd=1&dlsi=fed5b9538f23480eCephas [https://open.spotify.com/artist/6ullBRZTTK0lT7fUqbgbKD?si=GlsDiJdeSg2bLkb3lxO0Ig&fbclid=IwAR1Gn1Jz2thWofOrFilg6HV1AcxV5AumMjNyTH_5xvrtQsnVuPElY9XzVFU&nd=1&dlsi=fed5b9538f23480e]     Art work by Two Tone Creative  [https://www.twotonecreative.com/strategy-consulting/] Audio, video, research and copywriting by Victoria O'Brien

132 | More Americans Drink Coffee Than Water - Here's Why That's an Investment Opportunity with Adam Jason

Did you know more Americans drink coffee every day than a glass of water and yet almost nobody thinks of coffee as an investment opportunity? In this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Adam Jason, co-founder of Green Coffee Company and former Wall Street capital markets attorney, to unpack one of the most compelling alternative investment opportunities available to accredited investors today. Patrick and Adam explore how Green Coffee Company became the largest coffee producer in Colombia, why the traditional coffee supply chain is fundamentally broken, and how their farm-to-cup model is disrupting an industry worth billions. From major retail partnerships with Target and Walgreens to serving as the official coffee for Carnival Cruise Lines and the Western US National Parks, Green Coffee Company is quietly building something extraordinary and a Nasdaq IPO is on the horizon within 18 months. For entrepreneurs and high-net-worth investors looking to diversify beyond stocks and bonds, this episode of the Vital Wealth Strategies Podcast is essential listening. Patrick and Adam break down why alternative investments like coffee commodities can dampen portfolio volatility, how pre-IPO opportunities create asymmetric upside, and why traceability and sustainability aren't just feel-good buzzwords, they're competitive advantages driving real revenue growth. Whether you're a seasoned investor exploring private market opportunities or an entrepreneur looking to align your wealth-building strategy with your values, this conversation delivers the insight, inspiration, and actionable perspective you need to think differently about where your money works hardest. Key Takeaways: * Coffee is the second most traded commodity on earth behind petroleum, with 2 billion cups consumed daily worldwide * Green Coffee Company owns approximately 10,000 acres and 10 million coffee trees, making them the largest coffee producer in Colombia * Their farm-to-cup supply chain model provides full traceability, a major differentiator as ESG standards and ethical sourcing demands increase * The Juan Valdez brand has grown from zero to 2,500+ retail doors in just over a year, including Walgreens (1,400 stores) and Target (317 stores) * Alternative investments like coffee can reduce portfolio volatility by operating independently of traditional stock and real estate markets * Green Coffee Company is structured as a US Delaware holding company, giving investors the comfort of US law, US banking, and a familiar legal framework * A Nasdaq IPO is targeted within 18 months, creating a potential pre-IPO opportunity for accredited investors with a $100,000 minimum commitment * To connect with Adam Jason and learn more about investment opportunities, find him directly on LinkedIn Learn More About Adam: * Adam Jason's LinkedIn profile: Adam Jason | LinkedIn [https://www.linkedin.com/in/adam-jason-98a22612/] Resources:    Visit www.vitalstrategies.com [http://www.vitalstrategies.com/] to download FREE resources      Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs [https://www.vitalwealth.com/podcasts/]   Follow on Instagram at https://www.instagram.com/vital.strategies [https://www.instagram.com/vital.strategies]       Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast [https://www.facebook.com/VitalStrategiesPodcast]      Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/ [https://www.linkedin.com/in/patricklonergan/]      Credits:     Sponsored by https://www.vitalwealth.com/Vital Wealth [https://www.vitalwealth.com/]     Music by https://open.spotify.com/artist/6ullBRZTTK0lT7fUqbgbKD?si=GlsDiJdeSg2bLkb3lxO0Ig&fbclid=IwAR1Gn1Jz2thWofOrFilg6HV1AcxV5AumMjNyTH_5xvrtQsnVuPElY9XzVFU&nd=1&dlsi=fed5b9538f23480eCephas [https://open.spotify.com/artist/6ullBRZTTK0lT7fUqbgbKD?si=GlsDiJdeSg2bLkb3lxO0Ig&fbclid=IwAR1Gn1Jz2thWofOrFilg6HV1AcxV5AumMjNyTH_5xvrtQsnVuPElY9XzVFU&nd=1&dlsi=fed5b9538f23480e]     Art work by Two Tone Creative  [https://www.twotonecreative.com/strategy-consulting/] Audio, video, research and copywriting by Victoria O'Brien

131 | How Busy Entrepreneurs Are Quietly Building Real Estate Empires with Matthew Ricciardella

What if busy entrepreneurs could build real estate empires without ever leaving their lane? In this power-packed episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Matthew Ricciardella, co-founder of Crystal View Capital, to uncover exactly how savvy entrepreneurs are quietly building real estate empires through institutional-grade manufactured housing investments. Matthew shares how Crystal View Capital has spent over two decades acquiring affordable housing communities across 32 states, delivering outsized returns to investors, including a 26% gross IRR on their first fund, all while busy entrepreneurs focus on what they do best: running their businesses. Patrick and Matthew pull back the curtain on the strategies that real estate empires are built on, from NOI-driven value creation and vertical integration to tax efficiency through cost segregation and accelerated depreciation. Whether you are a busy entrepreneur sitting on underperforming capital or someone looking to diversify beyond your business, this episode breaks down how to leverage other people's expertise to build generational wealth in real estate. Matthew also shares the one question every investor must ask before committing capital to any real estate sponsor and the answer might surprise you. Key Takeaways: * Busy entrepreneurs can build real estate empires by investing as a limited partner (LP) and leveraging expert operators rather than managing properties themselves * Manufactured housing is one of the most compelling affordable housing investment opportunities in today's market, with strong demand tailwinds across 32 states * Controlling NOI (Net Operating Income) is the key to forcing appreciation, the best operators don't wait on cap rate compression or interest rate drops * Vertical integration separates great real estate operators from average ones, in-house management drives significantly better returns than third-party property managers * Cost segregation can allocate 80–90% of asset value to personal property, creating substantial depreciation benefits for real estate investors * Always ask a sponsor how much of their own capital is invested as an LP, aligned incentives are everything * Long-term holds, interest-only financing, and strategic refinancing are the cornerstones of how real estate empires generate tax-efficient, compounding wealth * Busy entrepreneurs who stay in their circle of competence and partner with proven real estate operators consistently outperform those who try to go it alone Learn More About Matthew: * 🌐 Crystal View Capital Website: www.crystalviewcapital.com [http://www.crystalviewcapital.com] * 📧 Crystal View Investor Relations: invest@crystalviewcapital.com [invest@crystalviewcapital.com] * 📊 Crystal View On-Demand Webinar: available at crystalviewcapital.com [crystalviewcapital.com] Episode Resources: * 📚 Influence: The Psychology of Persuasion by Robert Cialdini [https://www.amazon.com/Influence-New-Expanded-Psychology-Persuasion/dp/B08RLT11Q3/ref=sr_1_1_sspa?adgrpid=1346904273959727&dib=eyJ2IjoiMSJ9.JCumAfWDg5tgTnMbK4o9I5dF2RBcND2pHLaXVL1ZEWrVDN1nrBbn6LAhAbnoNPK07xn8tIvIh3_GeEzQQQRhdtYAPh9RRJIfAM2aYYRyRIaj8NAGv3A9ZepWK3RQ03CT3_MC5bEGw45p_oAIS6jD6vbRVTkHDdOGrzUGeFF_nWwrjts7acyzPZS7_vPlT5biUuwQKoV7QazjnYmMalFwd1BHQ8mYnUs8NtDvCS2El3k.jDOm0lIjw64AVlfJ6nYi-ZmU4n4PcZOxev4RYCwvpjo&dib_tag=se&hvadid=84181794886081&hvbmt=be&hvdev=c&hvlocphy=93688&hvnetw=o&hvqmt=e&hvtargid=kwd-84182690201581%3Aloc-190&hydadcr=22002_13325441&keywords=%E2%80%9Cinfluence+the+psychology+of+persuasion%E2%80%9D+by+robert+cialdini&mcid=0cda3ea6d0d73693ac80146f8f2c3493&msclkid=3000720e239712f1b0a21bf2f836198a&nsdOptOutParam=true&qid=1778178982&sr=8-1-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9hdGY&psc=1] * 📚 Main Street Millionaire by Codie Sanchez [https://www.amazon.com/Main-Street-Millionaire-Extraordinary-Businesses/dp/B0D1GXCMZZ/ref=sr_1_1?adgrpid=1346904222986207&dib=eyJ2IjoiMSJ9.ZSWGZnoUF3lzSWQTZEMweJV42g4nj6YwAFnCFeshqcSGpT-kFzgm8i6GxISBoHAAp3ZFBWQ3_3of0yggwieTOgYazcLXRg-rtacqPqR3Dd1369ZMfrLRgqOiWEFuMZZVdMCk7qZ8irfLzgxUsbER-w.wsgnOrD669HiJONuj7B-cpKfSbyOg0nwFpI9tmowwYU&dib_tag=se&hvadid=84181789033950&hvbmt=be&hvdev=c&hvlocphy=93688&hvnetw=o&hvqmt=e&hvtargid=kwd-84182637569461%3Aloc-190&hydadcr=21962_13325347&keywords=main+street+millionaire+by+codie+sanchez&mcid=98b1e7662cad3529995889913d1bcc95&msclkid=e8fe9cb390a01d984c0ef54f4b7a8dc0&qid=1778179037&sr=8-1] * 🎁 Vital Wealth Strategies Free Resource Vault: vitalwealth.com/resources [http://vitalwealth.com/resources] * ❓ Submit Your Question for the Podcast: vitalwealth.com/questions [http://vitalwealth.com/questions] Resources:    Visit www.vitalstrategies.com [http://www.vitalstrategies.com/] to download FREE resources      Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs [https://www.vitalwealth.com/podcasts/]   Follow on Instagram at https://www.instagram.com/vital.strategies [https://www.instagram.com/vital.strategies]       Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast [https://www.facebook.com/VitalStrategiesPodcast]      Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/ [https://www.linkedin.com/in/patricklonergan/]      Credits:     Sponsored by https://www.vitalwealth.com/Vital Wealth [https://www.vitalwealth.com/]     Music by https://open.spotify.com/artist/6ullBRZTTK0lT7fUqbgbKD?si=GlsDiJdeSg2bLkb3lxO0Ig&fbclid=IwAR1Gn1Jz2thWofOrFilg6HV1AcxV5AumMjNyTH_5xvrtQsnVuPElY9XzVFU&nd=1&dlsi=fed5b9538f23480eCephas [https://open.spotify.com/artist/6ullBRZTTK0lT7fUqbgbKD?si=GlsDiJdeSg2bLkb3lxO0Ig&fbclid=IwAR1Gn1Jz2thWofOrFilg6HV1AcxV5AumMjNyTH_5xvrtQsnVuPElY9XzVFU&nd=1&dlsi=fed5b9538f23480e]     Art work by Two Tone Creative  [https://www.twotonecreative.com/strategy-consulting/] Audio, video, research and copywriting by Victoria O'Brien

130 | Self Storage Investing: Cash Flow, Tax Benefits & 1031 Exchanges Explained with Joe Downs

In this episode, host Patrick Lonergan sits down with self-storage investing expert Joe Downs, entrepreneur, operator, and founder of The Storage Moguls, to make the case for one of the most overlooked recession-resistant real estate asset classes available today. With 80% of U.S. self-storage facilities owned by mom-and-pop operators, Joe explains why secondary and tertiary markets are overflowing with undervalued acquisition opportunities for investors willing to do the work. He breaks down three entry points - fully passive investing, hybrid owner-operator with third-party management, and active operator, showing how self-storage can generate meaningful passive real estate income with far less operational burden than traditional multifamily. Because self-storage facilities are operating businesses on commercial real estate, they qualify for SBA loans (7(a) and 504), giving investors access to favorable long-term financing that most residential strategies can't touch. Joe and Patrick also dig into the full wealth-building stack available to self-storage investors: appreciation, cash flow, loan amortization, depreciation, and the powerful tax benefits unlocked through cost segregation, bonus depreciation, and real estate professional status. The conversation goes deep on 1031 exchanges, how a qualified intermediary, a 45-day identification window, and a 180-day closing timeline can defer capital gains taxes indefinitely and how a stepped-up cost basis at death can eliminate them entirely. With trailing twelve-month performance metrics still priced at a discount following the 2023–2024 interest rate surge, Joe makes a compelling argument that 2026 represents one of the single greatest buying windows for self-storage since the asset class emerged and the Storage Moguls community is being built specifically to connect deal finders with capital partners ready to move. Key Takeaways * 80% of U.S. self-storage facilities are mom and pop owned, creating a massive fragmented acquisition opportunity in secondary and tertiary markets * Self-storage is recession-resistant, with demand driven by both economic growth and downturn. * Facilities qualify as commercial real estate businesses, making them eligible for SBA 7(a) and SBA 504 loans * Investors can participate at three levels: fully passive, hybrid owner-operator, or active operator * Wealth is built through five levers: appreciation, cash flow, loan amortization, depreciation, and 1031 exchanges * Cost segregation and bonus depreciation can accelerate tax write-offs significantly in year one * Real estate professional status (750 hrs/year) allows high-income earners to offset earned income with real estate losses * 1031 exchanges defer capital gains taxes indefinitely and a stepped-up basis at death may eliminate them entirely * Every dollar of NOI growth multiplies asset value at the prevailing cap rate * 2026 represents a rare buying window - trailing twelve metrics are discounted while the broader economy recovers Learn More About Joe: * 🌐 The Storage Moguls: thestoragemoguls.com [http://thestoragemoguls.com]   Resources:    Visit www.vitalstrategies.com [http://www.vitalstrategies.com/] to download FREE resources      Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs [https://www.vitalwealth.com/podcasts/]   Follow on Instagram at https://www.instagram.com/vital.strategies [https://www.instagram.com/vital.strategies]       Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast [https://www.facebook.com/VitalStrategiesPodcast]      Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/ [https://www.linkedin.com/in/patricklonergan/]      Credits:     Sponsored by https://www.vitalwealth.com/Vital Wealth [https://www.vitalwealth.com/]     Music by https://open.spotify.com/artist/6ullBRZTTK0lT7fUqbgbKD?si=GlsDiJdeSg2bLkb3lxO0Ig&fbclid=IwAR1Gn1Jz2thWofOrFilg6HV1AcxV5AumMjNyTH_5xvrtQsnVuPElY9XzVFU&nd=1&dlsi=fed5b9538f23480eCephas [https://open.spotify.com/artist/6ullBRZTTK0lT7fUqbgbKD?si=GlsDiJdeSg2bLkb3lxO0Ig&fbclid=IwAR1Gn1Jz2thWofOrFilg6HV1AcxV5AumMjNyTH_5xvrtQsnVuPElY9XzVFU&nd=1&dlsi=fed5b9538f23480e]     Art work by Two Tone Creative  [https://www.twotonecreative.com/strategy-consulting/] Audio, video, research and copywriting by Victoria O'Brien

129 | Stop Adding Fuel to a Broken Engine - How to Finance Growth the Right Way with Brad Poulos

What if the biggest thing holding your business back isn't your market, your competition, or your capital, it's you? In this episode of the Vital Wealth Strategies Podcast, host Patrick sits down with seasoned entrepreneur, operator, and professor Brad Poulos to unpack the hard truths about what it actually takes to scale a business and run it well. With 40 years of experience, from growing a wireless company from 4 to 200 employees and taking it public, to teaching entrepreneurship at Toronto Metropolitan University for nearly two decades, Brad brings the kind of battle-tested wisdom that no textbook can replicate. Brad and Patrick dive deep into the real reasons businesses stall, from founders who can't let go, to costly mistakes in how companies are financed and structured. Brad shares why giving employees equity is almost always the wrong move, how to think about debt versus outside investment, what family businesses get catastrophically wrong across generations, and why the best entrepreneurs validate before they ever build. Whether you're running a growing operation and feeling the weight of it, or you're trying to build something that lasts, this conversation is packed with practical insight that will challenge how you think about leadership, money, and growth. Key Takeaways: * The #1 scaling problem is a founder's inability to let go - hire A-players and give them real autonomy * Not every decision needs to be optimized; learn to "satisfice" the right ones and save your energy for what matters * Most problems solve themselves, resist the urge to intervene before a situation truly demands it * Fix the business before adding capital , leverage amplifies bad results just as much as good ones * Debt is almost always cheaper and smarter than equity; bringing on minority shareholders can create serious long-term risk * Phantom share plans are a better tool than real equity for retaining and rewarding key employees * Family business succession requires early, transparent planning, equal doesn't always mean fair * Sell before you build, always validate demand with real customers before investing significant time and money * The best entrepreneurs are evidence-driven and willing to make uncomfortable decisions when the data demands it Learn More About Brad: * Most Problems Solve Themselves by Brad Poulos [https://www.amazon.com/Most-Problems-Solve-Themselves-Professor/dp/1069099651] * From Pitch to Payoff: A Founder's Guide to Finance by Brad Poulos [https://www.amazon.com/Pitch-Payoff-Founders-Guide-Finance/dp/1069099678/ref=sr_1_1?crid=DDCWWSRHYI1Y&dib=eyJ2IjoiMSJ9.MH1s3h3Uc4UJtF78XdPztg.fRFV-bW7ub1zptAZZBskxwwsTRexNvOioUXhxykH5uY&dib_tag=se&keywords=%E2%80%A2+From+Pitch+to+Payoff%3A+A+Founder%27s+Guide+to+Finance+by+Brad+Poulos&nsdOptOutParam=true&qid=1777313531&s=books&sprefix=from+pitch+to+payoff+a+founder%27s+guide+to+finance+by+brad+poulos%2Caps%2C162&sr=1-1] * The Small Business Operator's Manual by Brad Poulos [https://www.amazon.com/Pitch-Payoff-Founders-Guide-Finance/dp/1069099678/ref=sr_1_1?crid=DDCWWSRHYI1Y&dib=eyJ2IjoiMSJ9.MH1s3h3Uc4UJtF78XdPztg.fRFV-bW7ub1zptAZZBskxwwsTRexNvOioUXhxykH5uY&dib_tag=se&keywords=%E2%80%A2+From+Pitch+to+Payoff%3A+A+Founder%27s+Guide+to+Finance+by+Brad+Poulos&nsdOptOutParam=true&qid=1777313531&s=books&sprefix=from+pitch+to+payoff+a+founder%27s+guide+to+finance+by+brad+poulos%2Caps%2C162&sr=1-1] Official Website: bradpoulos.com [bradpoulos.com] Resources:    Visit www.vitalstrategies.com [http://www.vitalstrategies.com/] to download FREE resources      Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs [https://www.vitalwealth.com/podcasts/]   Follow on Instagram at https://www.instagram.com/vital.strategies [https://www.instagram.com/vital.strategies]       Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast [https://www.facebook.com/VitalStrategiesPodcast]      Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/ [https://www.linkedin.com/in/patricklonergan/]      Credits:     Sponsored by https://www.vitalwealth.com/Vital Wealth [https://www.vitalwealth.com/]     Music by https://open.spotify.com/artist/6ullBRZTTK0lT7fUqbgbKD?si=GlsDiJdeSg2bLkb3lxO0Ig&fbclid=IwAR1Gn1Jz2thWofOrFilg6HV1AcxV5AumMjNyTH_5xvrtQsnVuPElY9XzVFU&nd=1&dlsi=fed5b9538f23480eCephas [https://open.spotify.com/artist/6ullBRZTTK0lT7fUqbgbKD?si=GlsDiJdeSg2bLkb3lxO0Ig&fbclid=IwAR1Gn1Jz2thWofOrFilg6HV1AcxV5AumMjNyTH_5xvrtQsnVuPElY9XzVFU&nd=1&dlsi=fed5b9538f23480e]     Art work by Two Tone Creative  [https://www.twotonecreative.com/strategy-consulting/] Audio, video, research and copywriting by Victoria O'Brien