Banking on Digital Growth
Banking on Digital Growth

Episode · 1 month ago

132) #ExpontentialInsights: Retire as You Desire: Where Do You Put Your Dollars?

ABOUT THIS EPISODE

It’s always nice to have some extra cash.

The trouble is: knowing where to invest it.

The truth is that most people need help deciding what to do with their money — especially entrepreneurs.

Today’s guest, Bill Bloom , President, Bloom Financial Company , is on a mission to help entrepreneurs better invest their dollars to maximize their success.

In this episode, we discuss:

  • Why people need help investing
  • What to look for in an advisor
  • How Bill’s latest venture will provide sound financial advice at scale

You can find this interview and many more by subscribing to Banking on Digital Growth on Apple Podcasts, on Spotify, or here.

Listening on a desktop & can’t see the links? Just search for Banking on Digital Growth in your favorite podcast player.

...there's just so many things thatentrepreneurs are great at doing, of planning their money is not one of them,they don't want to deal with that, No, Yeah, You're listening to banking ondigital growth with James Robert, lay a podcast that empowers financial brandmarketing, sales and leadership teams to maximize their digital growthpotential by generating 10 times more loans and deposits. Today's episode ispart of the exponential insight series where James robert interviews theindustry's top marketing sales and fintech leaders sharing practicalwisdom to exponentially elevate you and your team. Let's get into the showgreetings and hello, I am James robert ley and welcome to the 132nd episode ofthe Banking on Digital Growth podcast. Today's episode is part of theexponential insight series and I'm excited to welcome Bill bloom to theshow. Bill is an independent financial planner and principle of bloomfinancial company as well as the host of the retire as you desire podcastsand author of the book by the same name, retire as you desire your guide to ahappy and healthy retirement. Now, what I'm most excited to chat with Billabout today is the journey he is just embarking on that is rooted intechnology using technology as an exponential multiplier to create evenmore value for people through collaborations with financial brandswith banks with credit unions and it is this journey, I know many financialbrands are thinking about to welcome to the show. Bill, it is so good to haveyou on today, my friend always great to be with you. James, thank you so muchfor having me. I've been a fan of your show for a long time and I'm reallyglad that I had a chance to meet and connect through strategic coach.Absolutely. And you know, Justin Brain has also been a guest on this show. Imean he is the ultimate, ultimate connector of people, he helps peoplefind the who's to their house, something that dan and I had talkedabout in a previous episode, but what I'm looking forward to talking abouttoday and before we get into that is really like the journey that you'vebeen on as an independent financial planner who is looking at utilizingtechnology as an exponential multiplier and really I would say it's even moreof the fin tech side of things. But before we get there, always like tostart off on a positive note, what's good for you personally, professionally,it's always your pick. Well, I would say personally our little guy was mybirthday yesterday, so that's that was amazing birthday and our son, thank you,thank you. Our son is two and he was singing, Happy birthday, happy birthday,happy birthday and he was like helping me blow out the candle where he wasdoing it. So we did it four times yesterday and my wife got me this liketriple layer doughnut cake cause I love...

...sweets, I'm a big donuts pastries,that's my thing with a excellent cup of coffee. So just had a great dayyesterday, life is good, very, very grateful. Well, you know, I love I lovethe story because you're bringing me back in my own mind with my my fourkids who are now 11, 975. And we went through those experiences together. Soyou're definitely recalling some some really good positive memories and andthanks for getting, you know, just, just setting the stage here. Because atthe end of the day, I that's that's what it's all about, right. I mean,you've got the retire as you desire podcast, you've got the book. Let's getinto your thinking now on the technology side and where your journeyhas been as an independent financial planner, really looking to create amuch bigger, better, brighter future for all of those in your universe perse, What's that journey been like? The journey spent outstanding because whenI started my company, I was 28, I think I made $24,000 of revenue that year. Itwas brutal. It was really like, like net net net, it was crazy. I was young.I didn't know what I was doing at the time, but over time I started to figurethings out and that's when I joined strategic coach that year. So it was agreat year, difficult year. But I realized one thing and you know whatthat was James, what's that? I realized that I was not going to be able to helphundreds of thousands of people, millions of people just doing one onone financial advising and I love doing that. I love being a hero to people whoare 50 and older and helping them plan for income for the rest of their livesand the same thing with high level entrepreneurs, which I know listen toyour show because once you get your money in order then you can go out andcreate next company, then you can go out and do the things you want to do ortake a one year sabbatical. There's just so many things that entrepreneursare great at doing, of planning their money is not one of them, they don'twant to deal with that. So it's been an interesting journey. I'm curious andyou're touching on something that Audrey and I just had a conversation afew episodes ago framed around Kobe and we're utilizing Kobe more and morethrough the conversations in the advisory work that we're doing isepisode 1 24 to really help Bank Leaders marketing team sells teams,understand their natural operating strengths. You're coming at this,looking at this from the lens of an entrepreneur, which I just facilitateda panel discussion in august that will be released through some collaborativework that I'm doing with Nimbus on the Fintech front and we're looking atsmall business, the work that they're doing also with auto books, smallbusiness as a major growth opportunity here, coming back to the entrepreneurand the issues and the challenges...

...around managing money. How much doesColby play into that because an entrepreneur is typically going to be avery high quick start on that Kobe scale. But then the fact finding andthe follow through they're going to be lower in. So it's not a now they can doit but it's not a natural operating strength and they're gonna get tiredand burned out. How much of that do you think plays into some of the strugglesand challenges an entrepreneur might have with managing money here. Oh a ton,a ton James because for instance, some of the folks that I work with, thatstrategic coach, not at the company itself, but some of their clients, youknow the higher fact finders, they take a lot of time to make decisions. Theywant to know all the investments, they want to know all the costs and we gothrough that with everyone. But they go into all those details a lot more thana quick start and quick starts, they say, you know what I trust you, I wantto work with you. I like your personality. I like what you have tooffer me because again at the end of the day it needs to be all about them.That's what I create customize. But the cold, the score is fascinating becausewhen you're taking that high level entrepreneur who loves details, youneed to go slow, slow and steady and when you're in the banking world,there's a lot of regulation, there's a ton of regulation in my world and I'm afan of that, I believe because it helps me, it helps my clients, it needs to bethere. But when you're dealing with the banks in the Fintech, if you are ableto use the Colbert to understand who should be doing what and put the rightpieces in place and the same thing with clients, like we talked about Justin,he's better off working with quick starts as well. The people who havereally high fact finding, they don't make decisions quickly and you maynever hear from them again because they don't take action. So understandingthose things are very important. It's so interesting that you say thatbecause when we look at the typical, you know, bank leader, credit unionleader profile, it is more their, their, their natural initiating strength isaround fact finding or even follow through and there, the opposite is trueon that quick start. But if you're getting to the fintech space, which ismore entrepreneurial driven, that's why I think we've seen an explosion ofFintech over the last really 3 to 5 years and I think it's just going tocontinue to grow because there's opportunity and onto an entrepreneursees opportunity, we're going to go into that and let's let's look at that,you see opportunity here because coming back to your point, you want to createan impact much larger than yourself than the one on ones and so you have avision and I'm excited to see where this goes. And as before we hit records,like we can come and do a check in, you know six months from now, three monthsfrom now and see the progress that...

...you're making on this journey. Andthat's why I'm I think there will be a lot of lessons too for you know someonein banking, someone at a credit and who is listening to learn from thisexperience because you if my memory serves correct, you're an eight quickstart. Am I correct on that? 5582. So and a quick start and once again, ifyou haven't, if you're confused with what we're talking about, go back andlisten to episode 1 24 you're gonna get a lot of clarity out of that because Iknow there's a lot of facts. What are they talking about on here? This quickstart fact finding? So go back to episode 1 24. Listen, but let'stransition now into you see an opportunity. What is this opportunitythat you're seeing and what are you doing to create, capture and capitalizeon that opportunity here with technology James. I'm starting a newcompany and it goes back to financial advice when you're doing a financialplan, the way that advisers get paid is when you manage the money for theclient. So if you're listening to the show watching the show and you have afinancial advisor, they get paid for managing your money and you hope thatthey're doing a good job. The thing that I see and it's missing is whatdoes it look like from a big picture. What do the numbers say? How do you usethe numbers every single six months, every single quarter every month, everyweek to make better financial decisions? And that's the technology that I'mbuilding right now with my team. I'm not doing it because I wouldn't knowhow to how to do that. I found a who and they're phenomenal. So, and I'mreally looking to collaborate with other financial institutions who haveadvisory services or banking services that we could help make lives betterfor our clients. And I see the vision being a really tech base for people'sfinancial futures and just what does it actually look like? And I think we'regonna be able to solve a lot of those questions moving forward and I'm reallyexcited about this. You bring up a point of collaboration and I'm a bigbeliever that particularly now in a post Covid world with technology,there's so much collaborative opportunity all the way around and dan,and I talked about this in episode 1 69. The title is why exponentialtechnologies, demand, exponential teamwork and so you're looking atcollaboration opportunities with other institutions, other organizations, whenyou take a step back and you think about the the premise of the drivingforce, the why you're doing what you're doing with this new venture here? Whatare the biggest questions? What are the biggest concerns that people have thatyou're seeing from just your experience that they have around money? Becausemoney is really it's it's an emotional game that people get really tied upinto. So what are those questions? What are those challenges? What are theconcerns that you're seeing here? Well,...

...the majority of people here in Americadon't understand what to do with the dollar. Where should it go? Should Iallocate it? Should I save it that try to pay off that? Should I invest it?The majority of folks don't know what to do? And that's true of businessowners do. They don't know where to put their money and that's what the currentcompany is. What we're gonna be building. What I'm going to be buildingis to help answer those questions on a holistic scale and a personalized scaleAnd banks are great at doing certain things. Financial advisory firms aregreat at doing other things. I'm looking at how do we incorporate this?And then looking down the road, how do we get aligned with insurance companieswith mortgage companies? Like how do we bring this from a big picturestandpoint put to make the proper and best decisions for people holistically,that's what the what the end game is here. Yes. And into that point of thatbusiness owner. You know one of the things that I opposed this on linkedin,I said small business is still one of the fastest growing opportunities forfinancial brands to to really capture. And I noted that and even predict thatit's going to continue to grow particularly in a decentralized worldbecause I think we'll see an explosion of small business and the idea the veryidea of what is small business will continue to transform. And so there'sthe opportunity it comes down to focusing on a niche. What are thosepains? What are those common questions and concerns? But regardless of whatsmall business was in the past, what it is today. I think there's some commonpatterns that we see and are experiencing here when you look at thethe pains of the small business owner in aligning yourself with that. Whatwhat's keeping them up at night most that someone who is listening to like Ireally connect with that because I've got people who are dealing andstruggling with that too. What are those pains? Well the small businessowner does not follow the advice as you should for your own personal household.And we saw this to the pandemic, how many business owners had to file for P.P. P. Money. So the way that I talked to a lot of the business owner clientshave the opportunity to work with this. Okay what are your reserves for yourbusiness? How long can you pay your employees if God forbid we go throughanother pandemic or your industry is not doing well if they're shortages. Sohave that six months to a year set aside in reserves or liquidity or otherinvestments just to be able to run your business. That's the first and foremostone that I've seen over the past couple of years because look what's happenedright? And then figuring out, should you invest your money, should youinvest in staff? I'll give you an example that just happened the otherday. I was working with the business owner. They were very successful andthey're like, Should I invest $250,000...

...with myself? And guess what folks, Iwould get paid on it. And I told him you should invest in more staff Becauseit's the right thing for him to do with his business. He needs to grow outanother team and then he's going to be able to 10 times 20 times 50 times thatinvestment in a sales team. So again, I had to do the right thing not get paidand tell him to invest that money with building out another team. So, and itfeels good to do that. It truly truly does. It's going to help him in thelong run technology has transformed our world and digital has changed the wayconsumers shop for and buy financial services forever. Now, consumers makepurchase decisions long before they walk into a branch. If they walk into abranch at all, but your financial brand still wants to grow loans and deposits,we get it. Digital growth can feel confusing, frustrating and overwhelmingfor any financial brand, marketing and sales leader, but it doesn't have tobecause James robert wrote the book that guides you every step of the wayalong your digital growth journey, visit www dot digital growth dot com toget a preview of his best selling book banking on digital growth or order acopy right now for you and your team from amazon inside you'll find astrategic marketing manifesto that was written to transform financial brandsand it is packed full of practical and proven insights you can start usingtoday to confidently generate 10 times more loans and deposits Now back to theshow and I think you bring up a very interesting point. It's what I seereally as the future of, we'll just call it at a macro level financialservices, whether that be on the banking front, the commercial smallbusiness front, the advisory front, the mortgage front, it's this idea andessence around coaching, right? And we both have had experience throughworking with dan and just you know, I can see why he says coaching is goingto kind of be the next big growth opportunity in multiple verticalsbecause the world is getting more confusing the world is getting morecomplex, the world's getting more chaotic and there's two, we can do oneof two things at that point. We can either go into what I call the cave ofcomplacency, which creates a false sense, a pseudo sense of security. Butif you look around all the corpses and the skeletons on the floor, like it'sprobably not best to stay here and that's why I think it's the call toadventure. It's the call to come out of the cave of complacency. But when yougo out on that journey into unchartered territory, you don't want to do italone. You want to do it with someone who has been there, they've helpedothers along a similar journey. And you know, it's the quintessential helpfulguide that I speak so much about through, through the methodology ofstory selling, Thinking about financial...

...services once again at the macro level,where do you see an opportunity to really, I think bridge the humandigital divide because you know, we can check out all day long, but I can onlybe held accountable so much by, I mean I'm not even held accountable by likealarms and I try to hack all of this stuff, but when a human being comes andsays you need to do this, I need to do this. I'm like, okay, you know, Billtold me to do this. I like Bill, I know Bill, I trust Bill. So I'm going to doit because Bill is gonna hold me accountable, how do we like find thatbalance of human digital divide and and what are your thoughts on, on on onthis whole coaching aspect here coaching, there's been so many coachesthat have come out of the woodwork during the pandemic and again you haveto start somewhere dan started somewhere, he was doing it one by one,they needed groups and then he had some coaches and now he's only doing 10 Xand free zone, then he'll only do his own after next year. So for all thecoaches listening, you have to start somewhere. But I think from a financialperspective you need to work with someone who understands your industry.So if a millennial came to me and they're 22 years old and they justwanted to start out planning their investments, I'm not the person forthem. If a 30 year old millennial and I'm a millennial too by definition, Ifa 30 year old millennial who just sold a tech company and says, you know whatI need to plan out my money for the rest of my life, I'm the person, sounderstanding whomever the right coaches, for you take your time,interview people hire them and actually allow them to help you and if it worksand if it doesn't it's okay to fire people just like in your business. Ifthey're not helping you, it's okay to find a new coach, you don't have to bestuck with them for life. So I understand what you want first and ifthe coach is going to be doing a good thing for you to help bring that out ofview and give you clarity and clarity is the best thing in life. I think onceagain you're hitting on another key topic that that is really kind oftranscended through multiple conversations that I've had. It'sknowing who the audience is, knowing who you want to serve, knowing who youwant to create the greatest value for. And back to your point here of yourexample. I can't help but think of Ben stop it. Who's the ceo at unify money,another fintech startup and who is targeting those with net income of$150,000 or more and there's a marketplace in the United States ofabout 15 million people, more or less who fall into his ideal quote unquoteaccount holder and so, you know, flipping this back around, you provideprovided advice, You provided guidance that wasn't necessarily to the benefitof yourself, but to the benefit of that...

...person that you are helping. I thinkit's it's that type of courage to look beyond the present moment and reallylook into the future because it will come back. But I see a lot of, you know,financial institutions financial brands who are just so focused on the presentmoment, it's hard to, you know, to make that leap, what for someone who islistening that like I get it, I get what you're saying, I believe in that.But you know, I'm like the 2% of my organization because we're so focusedon the here and now. What advice would you give them to? Maybe start shiftingfrom looking beyond just the present moment of value creation to playing amuch bigger, even longer term game? Well, I received a couple of greatintroductions from this person because of what I did and that was unexpected.I didn't ask for it. That happened organically because I am playing thebigger game and I am playing the long game. It's not about now. I've createdmy company to create cash flow so that I could spend my time doing the thingsthat I want to and that's what my family with, my clients, with my team,with the people who I really enjoy spending time being around. So itshould always be about the long game. Yeah, we have quarterly numbers. Butthat's why you need to have teams and people focusing in on those revenuegoals. Maybe you shouldn't be doing the selling in and of itself. Maybe youshould have a team surrounded focusing on that. So you could be in your uniqueability and I know the things that give me energy, I know the things that Ilove doing and my number one strength finder is a futurist. So thinking inthe future is easy for me. That's what I love doing. That's why I'm a plannerby nature. So if you're thinking about now you're probably playing the wronggame. You know it's interesting you say that because one of the things that Iwrote in banking on digital growth is you have two key roles in anyorganization. I think these roles are probably more important now in thebanking space. You have a what I would call a visionary, a visionary leaderwho sees the future. They see opportunities that others don't see,they're even able to bring the future back into the present moment. So alittle bit of quote unquote time travel, we can hop in the DeLorean and take aspin around the block if you will and then you have managers, managers whoare focused on the present moment, you know, to make sure that things arehappening but what is not better than the other. We need those visionaryleaders to bring the future back into the present. But we also need themanagers to actually execute in the present moment to then achieve thatfuture vision going forward. When you think about the greatest opportunitiesin the financial services space, once...

...again at a macro level. Whether that befinancial advisory like you're doing banking mortgages commercial becausethey're all what they're all like little unique abilities of sorts.Absolutely at a macro level. What do you see the future being like hop inthe DeLorean, let's go out five years leap back to this point. What do yousee will happen between now until then? That may look different or it may lookthe same. What are your thoughts? I truly believe that the new company thatI'm building is going to be a big bridge and a big collaborator in thefinancial space because there's not one great company that does things well,you do everything while I should say. I think we need to be looking at what isgoing to be Your clients or whomever you want to be a hero to best interest.Because let's face it, we went through the 2008 financial crisis out of thebanks, a lot of the financial institutions, they didn't look out forpeople, then they didn't, our whole financial system collapsed because ofgreed and we need to change that if things are going to prosper in the nextfive years in this wonderful country that we live and it needs to be aboutwhomever you want to be a hero too. And I think if that's your goal, if that'syour vision, I think things will be pretty good around here. But if you'relooking internally from a scarce mindset, being all about you or yourown company, I don't foresee that being a good collaborator in the future. Andso again, I just truly believe that things need to be all about whomeveryou're being hero to. And to that point, it's about getting really clear on afew things and we've been having a lot of conversations with financial brandsin our banking on Digital Growth program. It's because I think it's it'sa time we've come out of the pandemic, we're still navigating through theother side, but we've been able to get, you know, 18 months behind us and dosome reflection first and foremost, why do we do what we do? Is it just too,you know, do transactions, you know, take deposits, you know, give loans oris there something even deeper that we might have forgotten about of why wegot started in the first place, particularly I would say thosecommunity financial institutions, those community banks, those credit unions,we started this to really transform people's lives to give them hope for aneven bigger future. And to me like that's why we do what we do here andwhy I'm so just grateful to have the conversation of like minds with youtoday because we really believe that, you know, we can help make the world abillion times better by getting a billion people beyond financial stresstowards a bigger, better, brighter future. Now we're not bankers per se orfinancial advisers, but it's through that knowledge transfer and theconnections that we're making there...

...comes the collaborations, I want tomove to this because, you know, we're in I think 125 plus countries now thatpeople are listening to the show, you're creating something from theground up, if you could say I'm looking to make these connections, I'm lookingto make these collaborations, who would the ideal person be to reach out to youand what what would that look like in in a in a perfect world scenario? Oh myGod, I'm so glad you asked this because this is the new company that I'mworking on is going to be international. This is not going to be just a UnitedStates based company because we're going to be able to utilize thetechnology and go to a country like Argentina where my wife is from or goto Mexico or Canada or go to the UK and really understand how should money beworking for you? And that's what the new company will be doing. So the folkswho I really want to collaborate with our people in the banking industry's indifferent international countries because we're going to be helping ourclients figure out, should we be paying off that? Should you be paying off yourcredit cards, should you be saving? Should you be investing in that?Technology is going to help show you that and give you options and helpeducate you self education from a technology standpoint and the Ai andthe smart tech is going to help with all of these things. So internationalbanks, international investment firms because we do want to partner withfolks too help invest their money as well. So those are the right type ofpeople right now. If you're looking out and these opportunities are there, Whatmight be the biggest roadblocks that hold, hold the financial brand, a bank,a credit union nationally internationally? What might hold themback from really creating this future that I think you and I both see becauseI am the same way I've had a lot of people say, man, you see the future andit's like I just, I I look at trends and patterns and then I do it. I mean,that's my job as a digital anthropologist is to really look at themacro level, look at marketing, sells technology, human behavior, howeverything intersex. And then it just becomes pattern matching. And I mean,coming back to your two year old, right, we start pattern matching at a very,very early age and I think sometimes we we lose that ability to match patternsand we just kind of get into the road and the mundane. What are the biggestroadblocks that you see that? You know, banks, credit unions need to be awareof moving forward into this new world here. Well, I think compliance is thebig one and I'm a huge fan of compliance James. I believe in it, itshould be there, but it could be part of it, especially going international.So for the international people...

...listening reach out. I mean, I love toconnect with you and just have a simple conversation to see if collaborationsdo make sense because I do want to help other people in other countries. And that's the one thing that I see thatcould be an issue. It's a big world, it's a big world and you know a lot ofopportunity here. I'm excited for you and really look forward to justchecking in, let's just say six months from now as you get started on thisjourney and we'll wrap on this what recommendation based upon all thelessons that you have learned so far, moving from just say IndependentFinancial Advisor. But moving into more of a Fin tech like space because we'vegot banks, we've got credits, we've got Fintech listening what has been thebiggest lesson that you've learned, number one and number two, the biggestrecommendation that you can make to the dear listener as they just continue tomove forward along their own digital growth journey and reflection of whatyou've done so far. So number one, I'll tell you a really short story is Ihired a gentleman to help create the technology for this new company and Iasked him three times to take the Colby, I'm not kidding you James. I said youknow what? Take the Colby please, I'd like to know, I'd like to know afterthe third time he didn't do it. Obviously he has no follow through. Andthe last straw was I sent him a text, we're just chatting. He goes pleasedon't text please send it through a portal bah bah bah. So I fired himimmediately. I said you know what this isn't a good fit. I know You don't havefollowed through so use the tools that are available to you like Colby, whatis it? $55 that saved me probably a couple $100,000. $55 investment. Youknow and I want to do this. I want to do this for the deer list because wedid this on another episode as well. If you're listening the 1st 10 people thattext Colby, K O L B E 283 to 5495792. I will get Audrey who is our certifiedKobe consultant and advisor To actually facilitate that. And so yeah it's $55.But it'll be our gift to the 1st 10 that text because you're right what weare seeing and what we're finding time and time again. The mindset is fargreater than the technology because technology will multiply one of twothings. It will multiply the clarity that you have as a leader as anorganization. It will multiply your confidence. But it will also multiplythe internal confusion, the internal conflict that you have. And so back tothe point here if someone does want to connect with you continue theconversation and I like that that's a really practical advice. And once again,one that we're out like in real time...

...collaborating on to create value forothers, how can someone connect with you to continue the discussion Bill, myemail is best and my email is Bill at bloom financial, that is B L 00 M likethe flower bloom financial dot us, it's not dot com dot u S. So Bill at bloomfinancial dot us and linkedin is a great way to connect. My name is Billbloom on there and I'm out of Chicago Illinois here in America and alsoyou've got the email you've got linked in and I want to give you a shoutoutbill for the podcast to retire as you desire. Get the podcast. Subscribe tothe podcast. I think there's a lot of great lessons for the dear listener tolearn from you as well on that And thank you so much on Mondays, I do a3-5 minute money and a tip about things that are going on in the world aboutquestions that I receive and I actually answer questions that I get fromlisteners. So we have an email that you can send your financial questions too.And on Thursdays we, we have high level guests like James and other strategiccoach folks and other high level business owners talk about their lifeand business and abundance and all sorts of great things, see there you go,there's another practical takeaway right here at the very end. So if youstuck around there was a reason that you stuck around if your bank, if yourcredit union and you're like how do I do all this content, marketing stuff?We've been dabbling with content, the money monday tip, three minutes, youget some practical content out of that and you just make that a habit tocontinue to, to publish that every single monday. So I think Bill would bea great lesson, a great teacher in that lesson to learn from. So Bill, this hasbeen fantastic. A lot of fun and really I I do thank you for joining me onanother episode of Banking on digital growth. James truly an honor. Thank youlisteners for listening. I mean that's what this is all about all about youguys. So thank you again for having me and can't wait to do this again. 100%as always. And until next time be well do good and make your bed. Thank youfor listening to another episode of banking on digital growth with Jamesrobert. Ley. Like what you hear, tell a friend about the podcast and leave us areview on apple podcasts, google podcasts or Spotify and subscribe whileyou're there to get even more practical improvement insights visit www dotdigital growth dot com to grab a preview of James roberts, best sellingbook banking on digital growth or order a copy right now for you and your teamfrom amazon inside, you'll find a strategic marketing and sales blueprintframed around 12 key areas of focus that empower you to confidentlygenerate 10 times more loans and deposits until next time, be well anddo good.

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