Rebecca called me because she received a letter from Medicare stating that she lost her Part B coverage because of non-payment of the part B Premium. Now she doesn’t have full Medicare coverage. What I found out was she was using a credit card to pay the Part B premium, and it expired. She was receiving mail from Medicare but not opening it up telling her what happened. I was able to explain to her the steps needed to get this coverage reinstated. I called Medicare with her on the phone, and after talking with a few individuals, I was able to resolve the issue. She had to pay the past 3 months of Part B premium and her current month. It was all reinstated the next month with no lapse in coverage.  

I first met one of my best clients, Beth, 8yrs ago. We were introduced by former Powercore member Dan Barber. She bought a 100yr old home and from day one she had contractors telling her that certain jobs couldn't be done or would cost way more than they should. I remember asking what ideas she had for renovations. Although some of the plans were "different " I felt confident that I would be able to give her the changes she envisioned on her dream home. I'm always up for a good challenge. I would not only tell her "Yeah I can do that", but actually make her dream renovations come true exactly how she envisioned. She has said over the years, " Damon has been the only contractor I've had in my home that doesn't make me cry". 

I returned a marketing call to Teresa who was seeking for more information on our Homebased Business Legal Plans. After talking with her, I learned that she had not just one business, but four, and really was in need of having the ability to get legal advice without having to worry about get a high bill, she wanted someone to review the lease agreement that she recently signed, and that she needed websites for her businesses.  I help her understand that with our $49.50 basic LegalPlan she''d be able to get unlimited legal consultation on any issue as well as an attorney to review her contracts and documents , even the signed one. And that with our Business Plus Supplement she'd would get a website builder to create functional websites for her business for just an additional $14.95. She was very excited after I shared with her the value fo our monthly expense for the 2 services were far less than one hour that she had paid an attorney to review a document.  She bought the 2 plans.

Letters from the IRS can cause serious stress for clients.  When I sat down with John, I noticed he was fidgeting in his chair and shuffling his papers to no avail.  His IRS letter had sat unopened for some time at his home and now the deadline for him to resolve the issue was quickly approaching.   I told John the best response was for us to call the IRS together immediately.  I told him exactly how the call would proceed; how I would begin the call, introduce him, and ask the IRS to get his permission to speak to them on his behalf.  Once John knew the process, he relaxed, especially since he knew he was not going to be carrying the majority of the conversation.   Within an hour, I had gotten the IRS to hold off any action or further letters until John could comply with submitting the documentation they required.  Ultimately, John was able to pay a much smaller balance and is now clear of his IRS nightmare.

My new patient came in complaining of midback pain.  The pain was sharp and stabbing, rated as a 8 out of 10 on the pain scale(10 being a medcial emergency).  The patient loved to exercise, particularly relieving stress by shooting baskets like she did as a college player.  I pride myself on finding the source of the problem. I use xrays, a throrough physical that lasts and hour and a half and almost 20 years of experience in the field to determine how I will address the issue.  I also am different in that I adjust extremities such as the ankles, or in this case the shoulder blade that attaches to the midback.  I asked the patient how they sat at their desk chair in the home office.  When I evaluated her spine I found she had 29 out of 30 bones out of place and a functional scoliosis in her midback.  I determined that this scoliosis was caused by the way she was sitting and decided to start by adjusting the hips.  After adjusting one bone in her hip, I rechecked and all of the bones in the midback had gone back into place.  Then, I adjusted the shoulder blade.  The patient had immediate relief.  In order to hold these adjustments, I started by recommending one stretch and one strenghtening exercise.  I also told the patient how to change their work station.  All of these factors help her to come in for maintenance care without pain and spread the word about how I helped her with a different and unique approach to her problem.

I met Suzy and Jorge who had tied the knot on Valentine's Day. Jorge a previous client reached out and told me that he and Suzy had decided to find their first home. They both have demanding jobs and the option of Hybrid Remote, allowing them to work from home on the days they are not needed to come into the office. I asked them to come to my office where there were no interruptions and I sat down and discussed what they wanted in their new home. I helped them formulate a list of the must-haves they wanted in their new home. I explained the entire process from getting pre-qualified to getting to the closing table. I scheduled 10 homes for them to view over the weekend and by Sunday at 1pm they had found the home they were ready to submit an offer on. Fast forward, 25 days later Suzy and Jorge are proud homeowners

Whenever I speak with a client I often get asked to do an "apples to apples" comparison of their insurance. What I am basically being asked to do is to trust another insurance agent's work. Not all agents are created equal. I don't work off of another agent's policy because I don't know if the coverage fits the client's needs. What I do instead is a comprehensive breakdown of coverage options and let the client choose what they do or don't need. Then discuss price and explain that even if the quote I presented doesn't offer cost savings, it includes what they need where their other policy did not. Nobody ever brags about saving $20 per month on their insurance at the time of a loss. They just want their home, car, motorcycle, etc... fixed when they need it.

I met with Richard and Larry, 2 business owners.  They own a small business with 10 employees.   I asked if the have a partnership agreement in place.   This is a legal agreement that defines the portion of the business owned.  Also, what happens if a partner leaves the business by choice or not by choice (dies, becomes disabled, retires or just wants to leave).   They said they had their attorney do the partnership agreement. I asked if they have the agreement funded or have a pot of money to take care of this agreement.  Of course they do not have a pot of money waiting to pay out.  I read the agreement.  I explained if one were to die, they have financially obligated themselves to the business partner or heirs. Also, the employees will be concerned about their job. I showed them leveraging insurance insurance can take care of this obligation.  

I met with Alfonso, a local business owner purchasing his second personal home. While he is good with numbers, his bread & butter is residential and commercial construction. Alfonso was stuck between working with myself and another lender he was referred to. He mentioned this lender offering him a specific rate that was far below market & a monthly payment that sounded extremely attractive (and unrealistic). Because I have acute knowledge of mortgage interest rates and the financial markets that support them, I knew that there had to be a catch. I asked Alfonso to send me his preliminary loan estimate so I could get the full story. I found that while the other lender was offering him a very low rate and payment, they were charging him nearly 3% of his loan amount at closing in lender fees to offer him that rate. They also excluded taxes & insurance in order to present him his desired monthly payment. 

 I asked if he knew that he was missing information regarding his loan structure & costs of ownership. I then came to Alfonso with apples-to-apples comparisons that included all costs. Although we were a better deal with the same loan scenario, I was able to present some other options that he might prefer. We changed the financing strategy to lower the closing fees & better fit his long-term financial goals. He was pleased with my level of transparency, honesty, and attention to detail. We closed on his new home three weeks later. 

Early on in working with a recent client, I quickly realized that the husband was very impulsive when it came to spending money.  I was very direct with him in saying that this type of spending was not serving him and his family well and was also jeopardizing his financial future.  He along with his wife, developed a plan to introduce some "friction" into his buying process to help him slow down and think before he purchased.  He still has work to do, but he is making great progress.

One of the main things I try to figure out when meeting with a new prospect is the reason they have decided to take a meeting with me in the first place. It is normally do to their current payroll company has messed their payroll up one too many times. On one specific meeting I took with an owner of a Homecare business, I asked this same question. She relayed to me how bad her current service has messed up her payroll taxes. She had no idea how to fix the issues they have caused, and no longer trusted them to fix it properly. I told her I could get her past quarters amended and stop the bleeding for her, as well as keep all current and future payroll taxes on time and correct. She literally sighed with relief and made the decision to make the switch right then and there. 

Toni wanted to refresh her online presence with personal branding images for her website.  Rather than just showing up and snapping a few photos, I made it a priority to fully understand her unique needs and vision.  I found her ideal shooting location and even provided guidance on Toni’s wardrobe choices to ensure her photos felt authentic and aligned with her professional image.  Throughout the entire process, I took ownership of all the details so that Toni could feel confident and empowered to be her best self.  

I recently knocked a door in Calhoun, Ga that had been recently affected by ping pong size hail. The homeowner (Kyla) was recently on a hiking trip in the Appalachian Mountains and did not realize the severity of the damage caused by the storm. I offered an opportunity to a free drone inspection to show the damage,  I was able to detect an actual hole in her roof. I immediately wrote up a tarp estimate for her to send to her insurance once the claim was called in and next reached our to my crew to come out that evening to prevent further damage to occur inside the house. I will be helping Kyla now get a new roof provided by insurance due to storm related damage to her property.

I had a client that was miserable with their current bank.  I asked questions as to what were some pain points that made them miserable.  Upon learning what was going on I was able to recommend products and services that directly fit their needs saving them time and money.  I also explained to him what makes Ameris Bank stand apart from our competitors with one thing being the hands on customer service that he deserves.  I pulled up our Google reviews and showed him the 4.70 rating that my branch had and explained to him that he will be treated in the same way.  I also introduced him to my staff and reassured him that we would all be here to take care of him.

I get tactical with my clients to identify a strategy to get the results (often revenue) they want in their business. Then when they need it, I bring in mindset work. I was working with a client who owns a consulting business. In our weekly check in, I asked what got in the way of her taking that week's planned action. She replied that she was busy working on another service she could offer that would be even better and probably get a bigger response.  I helped her see why it made sense that her brain wanted her to work on that instead of the decision she had previously made to get her to her revenue goal. Because I held her goal and strategy with her, she was able to see where she was vulnerable the next week and not get side-tracked. She not only got booked, she got more data to drive next quarter's strategy.

When Brandon first came to my office, he was about to be fired from his current sales job.  He was miserable and was in a slump of what to do next.  I began to ask him questions about his overall life and situation and unmasked a more prevalent issue regarding his overuse of alcohol.   With this knowledge, I was able to pivot quickly and develop a new plan that involved addressing his issue with alcohol.  My words to Brandon were it is best to build a house on a solid foundation and not on quicksand.  He agreed.  The sessions began, tailored to his needs.  Over the next 12 weeks, he found a treatment program to work along the hypnotherapy sessions that I provided.  He found enough of a foundation working with me that he was able to move forward with getting a certification and finding a new job.

I noticed a client being hesitate to implement a solution to their problem. As a financial advisor, it is my job to be a thought leader by presenting ideas/solutions to issues and then letting the client decide what their best path forward is. The best financial decision is not always the best decision for the client. I thought I had presented a very easy solution to my client's problem only to find out the reason they took several months to decide to implement is because they did not fully understand in detail what the options I had presented to them were. It became clear after the first time discussing this issue that I needed to present the information in a different way. Changing your perspective to put yourself in your client's shoes is incredibly important and can be difficult to master.

Last week I had an amazing client who's been practicing her profession with over 20 years, with over 12 successful years in private practice.  While prepping to launch an online course fear has arisen around being seen and putting herself out there.  After her answering a few questions it was clear she had imposter syndrome, a state where limiting beliefs (often unconscious) inside of us make us doubt ourselves and our abilities, regardless of evidence. 

As these beliefs generally stem from childhood, I guided my client back to the 4 year old her. We began the process of reparenting that little one to release those olds beliefs.  I also had her begin practicing mirror affirmations to start actively changing neural pathways. This work doesn't happen overnight but I'm guiding her step by step.  

That’s excellent! It adds a bit more detail about the process and emphasizes the vision and goal-setting work. Here’s a slightly polished version with your edits:

I had a client who was running her own business but had hit a wall. She felt burnt out and had lost the passion she once had. Together, we helped dig into her limiting beliefs and fears, got clear on her vision, and set goals for what she truly wanted. By helping her focus on her personal development, she reignited her love for her business and her craft, rediscovering her motivation in the process. Fast forward a year, and she’d moved into a bigger space and doubled the size of her team.

Quanterra had been styling hair for years but finally decided to make the leap to her own studio. She knew her way around cuts, color, wigs and extensions but wasn't sure where to start with properly insuring her business. To better understand what coverages she needed, I asked detailed questions that dug into what kinds of services she would be offering, what kind of equipment she would have on site, and what kind of protection she would want if a customer got hurt in her shop or if someone wanted to sue her because of a hair treatment gone wrong. I also walked through her studio space to understand the layout and find out if she would be responsible for repairs if the walls or floors were damaged. Asking the right questions allowed me to put together a customized insurance policy that gave her all the protection she needed for $31.25/month so she was able to focus on wowing her clients with beautiful new hairdos!

Have you ever been told something isn’t possible, it’s unrealistic? That’s exactly what my client thought when she was faced with the challenging situation of losing her events coordinator 4 months before their 45th annual fundraising event. She was worried about making sure that they reached their financial goal and I noticed she was suddenly in a panic about the logistics of the event. I asked about my client’s expectations for the event and set out to go above and beyond which is what I’ve been able to do with peer to peer fundraising and acquiring business sponsorships. My gift to each client is taking the time to brainstorm fresh ideas and bring new perspectives that are uniquely tailored to their personality and event needs. In this instance we decided on hosting a silent auction which is ultimately proving to be successful and I am able to prove a client with an unforgettable experience even in a last minute emergency. I’m a great referral for your colleague who has so much to do and yet so little time. They need someone who can work on time crunch.  The next time you hear “I would but it's too late” ask them “what’s your timeline?”

Talking with a client The other day about colors she was picking out for her interior paint job. She was having trouble trying to decide what sheens to use on the walls. I recommended to her that considering she had two dogs, three kids and a cat she might want to go with a really durable, washable surface, such as satin. 

While I was doing Cynthia's (a physician) books. I noticed she was paying a yearly lump sum for her workmen's comp insurance based on an payroll estimate. Cynthia's practice was growing and she was hiring additional staff, I recommended for her to switch to a pay as you go plan to avoid having to pay a lump sum at the end of the policy because the payroll estimate at the beginning of the policy did not reflect the growth the practice was experiencing. She followed my recommendation and she avoided a cash flow crunch.

I came highly recommended by a colleague when her niece, who was looking for a personalized healthcare experience, reached out to me. She was frustrated and confused about how to select a primary care physician. 

I was happy to sit with her to listen and understand her healthcare needs and expectations. I thanked her for sharing her experience and apologized on behalf of the traditional healthcare system. I explained how my practice model is entirely different through my approach to meeting her healthcare goals comprehensively, collaboratively, and cost-effectively. 

My new patient and I have been pleased to have a meaningful patient-physician relationship that has led to positive outcomes.