Vital Wealth Strategies

What happens when a "genius" tax write-off you saw on TikTok turns out to be the same strategy that landed two professionals in federal prison for over 20 years each? In this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with colleague Michael to unpack the difference between smart, compliant tax strategy and the sham strategies that can trigger IRS penalties, audits, or worse. From viral myths about writing off G-Wagons and vacation homes to real-world fraud cases involving KPMG, syndicated conservation easements, and abusive trust structures, this conversation separates the tax moves that build real wealth from the ones that build a case file.
Pat and Michael break down five of the most common tax "myths" circulating online today, explain what actually makes a deduction legitimate under the IRS's own rules, and walk through several high-profile case studies where aggressive tax planning crossed the line into fraud. Entrepreneurs making seven figures or more will walk away with a practical framework for evaluating any tax strategy before they implement it, including the exact questions to ask an advisor and the red flags that separate a smart move from a dangerous one. Whether you're considering a cost segregation study, putting your kids on payroll, or wondering if an S-election makes sense for your business, this episode gives you the guardrails to pursue aggressive tax savings without putting your business, or your freedom, at risk.
Key Takeaways:
Why "it's a write-off" doesn't mean it's free, and how the math on tax deductions actually works
The truth about writing off vehicles over 6,000 lbs, and why depreciation recapture can undo the benefit
How cost segregation studies really work, and what's required to use the deduction against active income
The right and wrong way to put your kids on payroll for tax savings
Why not every entrepreneur should rush to file an S-election
Real case studies: the KPMG tax shelter scandal, syndicated conservation easement fraud, and abusive trust schemes
The critical difference between tax avoidance and tax evasion
A five-question framework for vetting any tax strategy before you implement it
Resources:   
Visit vitalstrategies.com to download FREE resources     
Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs
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Credits:    
Sponsored by Vital Wealth
Music by Cephas
Art work by Two Tone Creative 
Audio, video, research and copywriting by Victoria O'Brien

What if the single most important financial decision of your life happened before you ever built a business, bought a house, or started a family? On this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Dale Alexander, a CFP, national speaker, and author of The Talk About Money, to unpack the framework Dale calls Make 70 Your 100: live on 70% of your income, invest 20%, and give 10%, starting with your very first paycheck. It's a conversation built for entrepreneurs, parents, and anyone who's ever wondered why more income never seems to solve a spending problem.
Together, Patrick and Dale dig into why financial "drift" quietly derails even high-earning households, how social media has rewired the comparison trap for an entire generation, and why 90% of family wealth disappears by the third generation and what entrepreneurs can do to break that cycle with their own kids. Whether you're building generational wealth, coordinating your tax and financial strategy through the Entrepreneur Private Office model, or simply trying to raise financially literate kids in a world of one-click spending, this episode delivers practical, immediately actionable frameworks for making money decisions that compound for decades.
Key Takeaways:
The 70/20/10 framework: live on 70% of income, invest 20%, give 10% and why this beats the popular 50/30/20 budgeting rule
Why increased income rarely solves a spending problem, and how lifestyle creep silently erodes wealth at every income level
The concept of financial "drift" and why intentionality, not willpower alone, is required to stay on course
A two-step method for rebuilding financial margin at any age, even if you didn't start with 70/20/10 from your first paycheck
Why 90% of family wealth is lost by the third generation, and how proactive conversations about money can break that pattern
The psychological and neurological case for giving 10% of income, and how generosity fits into a coordinated wealth strategy
A practical, at-home system for teaching kids financial responsibility before they leave the house
Resources Mentioned:
The Talk About Money Dale Alexander official site
The Talk About Money by Dale Alexander
The Psychology of Money by Morgan Housel
The Art of Spending Money by Morgan Housel
Resources:   
Visit vitalstrategies.com to download FREE resources     
Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs
Follow on Instagram at https://www.instagram.com/vital.strategies
Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast
Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/
Credits:    
Sponsored by Vital Wealth
Music by Cephas
Audio, video, research and copywriting by Victoria O'Brien

Why do some ideas spread like wildfire while others die the moment they leave a boardroom? In this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Neal Foard, a 25-year advertising veteran to unpack the real reason facts, data, and bullet points fail to persuade and what actually does. Neal has spent his career teaching some of the biggest brands in the world how to turn ideas into stories that stick, and in this conversation he brings that same expertise directly to entrepreneurs, business owners, and leaders who want their vision, their pitch, and their values to actually land with the people who matter most.
Throughout the episode, Neal and Patrick dig into why the human brain is naturally resistant to logic-based persuasion, how to reframe every story so the listener, not the storyteller, becomes the hero, and why capturing everyday moments in a simple notebook can become one of the most valuable habits an entrepreneur can build. They also cover how to turn even the worst days into powerful material, why rehearsing a story is the secret behind every effortless-sounding presentation, and how a single mindset shift, discovered by accident at a state fair, can transform the way any entrepreneur approaches sales, leadership, and client relationships. Whether you're trying to align your team, close more deals, or simply be remembered for the right reasons, this episode offers a practical framework for making your ideas impossible to ignore.
Key Takeaways:
Facts and bullet points rarely persuade - stories build trust in a way data cannot
The best stories position the listener as the hero, not the storyteller
Capturing small daily moments in a notebook creates a library of powerful stories over time
Reframing tough experiences as future stories changes how they're processed in the moment
Rehearsing a story or presentation is what separates polished delivery from average delivery
Shifting from viewing people as "prospects" to viewing them as people you're trying to help changes the entire sales dynamic
Storytelling strengthens culture, leadership, sales, and even parenting
Learn More About Neal:
storyfire.net Neal Foard's storytelling course and speaking/booking inquiries
Episode Resources:
Storyworthy by Matthew Dicks
Soundtracks by Jon Acuff
How to Win Friends and Influence People by Dale Carnegie
Resources:   
Visit vitalstrategies.com to download FREE resources     
Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs
Follow on Instagram at https://www.instagram.com/vital.strategies
Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast
Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/
Credits:    
Sponsored by Vital Wealth
Music by Cephas
Audio, video, research and copywriting by Victoria O'Brien

Why is it that entrepreneurs who've hit every financial goal they set still feel like something's missing? On this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Ryan Johns, one of our lead advisor at Vital Wealth, attorney, and Certified Kingdom Advisor, to unpack why financial success so often fails to deliver the peace and contentment entrepreneurs expect it to bring. Drawing on real client stories, behavioral patterns around wealth and comparison, and timeless biblical wisdom from King Solomon's own pursuit of "everything," Lonergan and Johns explore why the goalposts keep moving even after the money game has been won.
This conversation goes beyond tax strategy and portfolio performance to ask a more fundamental question: what was money actually designed to do? Listeners will hear why business exits often trigger unexpected identity loss, how rising net worth can quietly increase anxiety rather than reduce it, and what scripture does and doesn't, say about wealth, success, and contentment. Entrepreneurs walk away with practical reflection questions to apply directly to their own financial decisions, along with a clearer framework for building wealth without losing sight of what it's actually for.
Key Takeaways:
Reaching financial independence doesn't eliminate life's problems, it often just changes their scale
Social comparison resets as income grows, which is why "enough" constantly moves further away
Roughly 90% of business owners report dissatisfaction after selling, usually tied to lost purpose rather than price
Liquidity, not lack of opportunity, is one of the most overlooked risks entrepreneurs face
Scripture never condemns wealth itself, but warns against the love of money and the pursuit of security through possessions
True contentment is tied to purpose and identity, not net worth
Episode Resources:
Primary Scripture
Ecclesiastes 2:1-11
Ecclesiastes 5:10
Matthew 6:19-24
Luke 12:15
1 Timothy 6:6-10
Supporting Scripture
Proverbs 11:28
Proverbs 23:4-5
Psalm 62:10
Mark 8:36
Hebrews 13:5
Philippians 4:11-13
Resources:   
Visit vitalstrategies.com to download FREE resources     
Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs
Follow on Instagram at https://www.instagram.com/vital.strategies
Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast
Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/
Credits:    
Sponsored by Vital Wealth
Music by Cephas
Art work by Two Tone Creative 
Audio, video, research and copywriting by Victoria O'Brien

If you sold your business tomorrow, would you know who you are without it? It's a question most entrepreneurs spend years avoiding, and in this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan turns the tables and sits down as the guest, with his teammate Michael stepping in to host. Together they close out the Designed to Last series with a conversation that shifts away from financial strategy and into something entrepreneurs rarely make time for: themselves. Patrick shares the story of a friend who sold his company for a life-changing exit and broke down in tears the same day, revealing a truth many high-performing business owners eventually face when their identity and their business have quietly become the same thing.
Listeners will walk away with a practical framework for building a life that can hold up alongside a growing business, including the REACH method for identifying what actually matters, the difference between stewardship and ownership, and why chasing balance is the wrong goal entirely. Patrick also unpacks the Strategic Coach concept of 150 free days a year, the tools he personally uses to protect time with his family, and why the health of the entrepreneur, not just the business, determines whether either one lasts. Entrepreneurs looking to build sustainable wealth without sacrificing the life they're building it for will find this episode essential listening.
Key Takeaways:
Entrepreneurs often build their identity around their business, which can create a painful reckoning if that business is ever sold or lost
The REACH framework (Relationships, Experiences, Advancement, Contribution, Health) offers a structure for evaluating what matters most in life
Harmony, not balance, is the goal: giving each priority the right amount of attention rather than equal amounts
Building a self-sustaining business through delegation is what allows entrepreneurs to actually take time away
The Strategic Coach concept of 150 free days a year illustrates how much true time off is possible with the right systems in place
A personal Vision/Traction Organizer (VTO) can bring the same clarity to an entrepreneur's personal life that it brings to their business
Divorce, burnout, and health breakdowns are often the result of small, unnoticed decisions made over time, not a single event
Entrepreneurs do not have to choose between a successful business and a successful life; both are possible with the right stewardship mindset
Episode Resources:
vitalwealth.com/resources
vitalwealth.com/questions
Strategic Coach: Business Coaching For Entrepreneurs | Strategic Coach
EOS (Entrepreneurial Operating System): EOS - Entrepreneurial Operating System for Businesses, home of Traction tools & library
Opal app (email/phone blocking tool): Opal - The #1 Screen Time App
Designed to Last series:
https://podcasts.apple.com/us/podcast/124-designed-to-last-why-most-entrepreneurs-take-the/id1716929954?i=1000756957019
https://podcasts.apple.com/us/podcast/119-designed-to-last-the-shift-from-operator-to/id1716929954?i=1000750110063
https://podcasts.apple.com/us/podcast/116-designed-to-last-a-strong-financial-foundation/id1716929954?i=1000746829876
Resources:   
Visit vitalstrategies.com to download FREE resources     
Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs
Follow on Instagram at https://www.instagram.com/vital.strategies
Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast
Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/
Credits:    
Sponsored by Vital Wealth
Music by Cephas
Art work by Two Tone Creative 
Audio, video, research and copywriting by Victoria O'Brien

Why do 96% of deals never get funded, even when the product is exceptional? In this episode of the Vital Wealth Strategies Podcast, host Pat Lonergan sits down with Jason Fishman, CEO of Digital Niche Agency and the marketing mind behind more than 500 capital raises that have generated hundreds of millions of dollars for founders. Jason has spent over 15 years proving a truth most entrepreneurs learn too late: they don't have a funding problem, they have a marketing problem. The best companies don't win the capital, the companies that communicate value most clearly do. Pat and Jason break down the psychology of social proof, why "everyone wants to be first to be second," and how successful campaigns create demand long before they ever launch.
Listeners will walk away with Jason's signature Test, Optimize, Scale framework, the real math behind investor conversions (most happen between touch points 7 and 12, yet fewer than 3% of salespeople follow up more than 7 times), and the exact metrics every CEO should have on their dashboard. The conversation covers Reg D, Reg CF, and Regulation A+ raises, how one company raised $65 million from more than 20,000 investors, why your personal brand pulls your company brand behind it, and where AI belongs (and doesn't) in your marketing. Whether you're raising capital now or building the visibility that makes your next raise easier, this episode gives entrepreneurs a proven playbook for turning attention into investment.
Key Takeaways:
Most founders don't have a funding problem, they have a marketing and visibility problem
Only about 4% of deals get funded at the angel and VC level, and the top 10% of online offerings capture nearly all the investment
Social proof and third-party validation separate oversubscribed campaigns from stagnant ones
Investors need 7 to 17 touch points before committing, and most conversions happen between touches 7 and 12
The most successful campaigns build their audience and demand before launch, within compliance guardrails
Test, Optimize, Scale: let the data, not your assumptions, decide where to invest your marketing dollars
Track your funnel like a CEO: impressions, clicks, conversions, and acquisition cost at every stage
People invest in people, so your personal brand pulls your company brand behind it
AI is a powerful assistant, but the strategic thinking still has to come from you
LinkedIn outreach is the most underrated investor acquisition channel available today
Learn More About Jason:
Digital Niche Agency: digitalnicheagency.com
Jason's video content and podcast playlist: mailto:youtube.com/@digitalnicheagency
Jason Fishman on LinkedIn: Jason Fishman | LinkedIn
Resources:   
Visit vitalwealth.com/resources to download FREE resources     
Follow on Instagram at https://www.instagram.com/vital.strategies
Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast
Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/
Credits:    
Sponsored by Vital Wealth
Music by Cephas
Art work by Two Tone Creative 
Audio, video, research and copywriting by Victoria O'Brien

What happens to an entrepreneur's wealth the day they finally step back from the business they spent decades building? On this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Andrew Horowitz, a nearly 40-year veteran of the financial services industry and host of The Disciplined Investor podcast, to break down why so many successful business owners struggle to invest their wealth with the same discipline they used to build their company.
Horowitz and Lonergan dig into why an entrepreneur's own business behaves like one of the riskiest assets in their portfolio, the real math behind a market drawdown, and a practical dollar-cost-averaging strategy called "one foot in, one foot out" that helps investors get off the sidelines without the fear of a lump-sum decision gone wrong. Whether an entrepreneur is still building free cash flow inside the business or preparing for a future liquidity event, this conversation lays out a clear framework for separating business risk from investment risk, building an all-weather portfolio, and making decisions based on process instead of emotion.
Key Takeaways:
Why business owners often confuse business success with investing skill, and why that gap creates unnecessary risk
How a founder's business behaves like a micro-cap stock, exposed to shocks that can undo years of hard work
The real math behind a drawdown: why a 50% loss requires a 100% gain just to break even
The psychology of a liquidity event, and why mark-to-market investing feels different than watching a home value rise
The "all-weather portfolio" (or "flower garden") approach to true diversification
The "one foot in, one foot out" dollar-cost-averaging strategy for investing without the fear of bad timing
Why waiting for a market pullback can end up costing more than staying invested
How to separate business risk from investment risk after selling or exiting a company
Learn More About Andrew:
The Disciplined Investor podcast / Andrew Horowitz
DH Unplugged podcast (Andrew Horowitz & John C. Dvorak)
Resources:   
Visit vitalwealth.com/resources to download FREE resources     
Follow on Instagram at https://www.instagram.com/vital.strategies
Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast
Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/
Credits:    
Sponsored by Vital Wealth
Music by Cephas
Art work by Two Tone Creative 
Audio, video, research and copywriting by Victoria O'Brien

What does it actually take to get a business loan and why are so many successful entrepreneurs getting denied? In this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Levi King, co-founder of Nav and one of the foremost experts on small business credit and financing in the country. Levi brings a rare combination of real-world experience, having started five businesses, secured over forty commercial loans across multiple industries, and built Lendio, the nation's largest commercial loan broker and the technical depth of a fintech founder who has spent a decade solving the financing gap for millions of small business owners. This conversation goes far beyond the basics and delivers a masterclass on what lenders are actually looking at, why most entrepreneurs are flying blind, and what to do about it.
Patrick and Levi unpack why business credit and personal credit operate by entirely different rules, how a single bounced check can quietly disqualify an otherwise strong borrower, and why the way a business is structured legally can make or break a loan application before it ever reaches an underwriter. With credit markets expected to tighten in the months ahead, Levi makes a compelling case for why right now, not when you need capital, is the time to build your financial foundation. Whether you are actively seeking financing or simply want to be prepared when the opportunity arises, this episode will change the way you think about capital, credit, and the financial infrastructure of your business.
Key Takeaways:
Business credit and personal credit are completely different, low data consistency across commercial bureaus means a strong D&B score does not guarantee strong Experian or Equifax scores
The Fair Credit Reporting Act does not apply to business credit, disputes move slower and protections are weaker
Bounced checks are one of the most common and costly mistakes, even three per month can disqualify an otherwise strong borrower from many lenders
Lenders use AI and trending deposit data to determine whether a business is growing or quietly in distress
Sole proprietors face significant financing disadvantages, forming a legal entity is critical for access to business loans and credit cards
Mixing personal and business finances is an automatic decline with most lenders
Get a line of credit before you need one, in a tightening credit cycle, existing facilities stay active longer than new approvals get through
Nav aggregates personal credit, all three commercial bureau data sets, and cash flow data via Plaid to show business owners exactly how a lender sees them
The best time to build your financial profile is before you need capital, subprime emergency loans often accelerate business failure rather than prevent it
Customer revenue is always the best capital, financing should be a growth lever, not a lifeline
Learn More About Levi:
Nav platform: nav.com
Resources:   
Visit vitalwealth.com/resources to download FREE resources     
Follow on Instagram at https://www.instagram.com/vital.strategies
Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast
Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/
Credits:    
Sponsored by Vital Wealth
Music by Cephas
Art work by Two Tone Creative 
Audio, video, research and copywriting by Victoria O'Brien

Are you still the most important person in your sales process? For most entrepreneurs, the honest answer is yes and it's the single biggest thing capping their revenue, their company's value, and their freedom. In this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Mike Huey, founder of Scalable Sales Solutions and a sales veteran with 30 years of experience building, breaking, and rebuilding sales organizations from coast to coast. Mike has taken companies from founder-led sales to national scale, including growing a seven-employee facility services business into a nationwide operation and today he helps business owners get the sales hat off so they can build something that runs, grows, and eventually sells without them.
Patrick and Mike dig into the exact system that attracts A-player salespeople (and why hiring from inside your own industry almost guarantees you a B or C player), the compensation structures that actually drive new business instead of rewarding the wrong behavior, and the five sales metrics every owner should be tracking. They also cover the recruiting trick Mike uses to screen hundreds of applicants down to true A players, why you have to be willing to fire your top performer over a values violation, and how to know when your business is truly ready to scale or sell. Whether you're stuck as the bottleneck in your own company or preparing for an exit in the next five years, this conversation is a blueprint for turning a personality-driven business into a transferable asset.
Key Takeaways:
If your business can't grow without you personally closing every deal, you own a high-paying job, not a transferable asset
A-player salespeople are attracted by five things: a sales playbook, a lead generation system, a CRM everyone uses, scorecards and accountability, and a compensation plan that rewards the right activities
Hiring salespeople from within your own industry usually lands you B and C players, true A players won't leave a strong book of business
Compensation plans should adjust every year; stairstep and hurdle models push reps toward new accounts, new territories, and new products
Track five metrics: sales activity, average deal size, close rate, repeat purchase rate, and referral rate
Culture comes down to two things, the right scorecards and core values and you must be willing to fire top performers over value violations
A business is only ready to scale when it cash flows completely with the owner stepped out of the process
Start exit planning long before the emergency: "life after the business" is one of the biggest reasons deals fall apart
This week's action step: identify the two or three things you're doing that hold the company back, and build a plan to offload them
Learn More About Mike:
Mike Huey's website / consultation: mikehuey.com
Leadership Blueprint: Accountability in Action by Mike Huey
The Art of War for Business by Mike Huey
Make Your Company Scalable and Saleable by Mike Huey
Resources:   
Visit vitalstrategies.com to download FREE resources     
Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs
Follow on Instagram at https://www.instagram.com/vital.strategies
Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast
Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/
Credits:    
Sponsored by Vital Wealth
Music by Cephas
Art work by Two Tone Creative 
Audio, video, research and copywriting by Victoria O'Brien

What would it look like if your business finally stopped bleeding money through taxes, messy books, and financial blind spots and instead became the wealth-building machine it was always meant to be? In this episode of the Vital Wealth Strategies Podcast, host Patrick Lonergan sits down with Gretchen Roberts, CEO of Red Bike Advisors, a national tax, accounting, and advisory firm that has helped hundreds of business owners improve financial performance, reduce taxes, and build long-term wealth since 2009. Gretchen brings a rare combination of deep financial expertise and an operator's mindset as a multi-time entrepreneur herself, making her advice as practical as it is powerful. Whether you're drowning in disorganized books or already running a profitable business and looking to keep more of what you earn, this conversation delivers a clear roadmap for getting from financially stressed to financially free.
Gretchen walks Patrick through her firm's proprietary SOAR Framework - Stabilize, Optimize, Accelerate, and Retire; a four-stage journey designed to take business owners from financial chaos to tax-efficient wealth creation. From cleaning up years of messy books and benchmarking profit margins against industry standards, to building a 10-year tax savings blueprint and creating a business that can run without you, this episode is packed with actionable strategies that apply no matter where you are in your entrepreneurial journey. Gretchen and Patrick also dig into cash flow planning, the danger of reactive tax decisions, and what it truly means to be "financially retired", not just done working, but free to choose. This is a must-listen for any entrepreneur who wants to build a business that funds the life they actually want.
Key Takeaways:
Messy books are more common than you think and you can't grow, optimize, or sell a business without a clean financial foundation
The SOAR Framework (Stabilize, Optimize, Accelerate, Retire) gives business owners a clear, stage-by-stage path from financial disorganization to wealth creation
83% of businesses fail due to cash flow problems, building a cash cushion of 3–6 months is a critical protection strategy
Your P&L is a management tool - knowing how to read it and track trends month-over-month can help you spot problems before they become crises
An S Corporation election is often the lowest-hanging fruit for tax savings, opening up significant self-employment tax reduction year after year
Tax strategy must fit your cash flow reality, a great strategy on paper can cause serious problems if it drains liquidity at the wrong time
Exit-readiness starts long before you're ready to sell, if the business can't run without you, it's not ready for the market
"Financially retired" doesn't mean stopping work, it means having the freedom to choose your role and step back from daily operations
Learn More About Gretchen:
Official Website: redbikeadvisors.com  
Resources:   
Visit vitalstrategies.com to download FREE resources     
Listen to the podcast on your favorite app: Vital Wealth Strategies Podcast | Tax & Financial Strategies for Entrepreneurs
Follow on Instagram at https://www.instagram.com/vital.strategies
Follow on Facebook at https://www.facebook.com/VitalStrategiesPodcast
Follow on LinkedIn at https://www.linkedin.com/in/patricklonergan/
Credits:    
Sponsored by Vital Wealth
Music by Cephas
Art work by Two Tone Creative 
Audio, video, research and copywriting by Victoria O'Brien