Agency Navigators™

Watch this episode on YouTube: https://youtu.be/pVPKZ5Ko5Ek 🚀 Industry Premiere: The AgencyCFO® Client Survival Metric™ — Your Client Retention Secrets RevealedWhat if the real problem in your agency isn’t what’s coming in… but what’s quietly slipping out the back door?In this episode, Roe, Don & Adam pull back the curtain on a game-changing, industry-first approach to finally understanding client retention—for real this time. No noise. No shortcuts. No guessing.Introducing Client Survival™ — a concept that sounds simple (“who stayed vs. who left”), but is powered by deep, behind-the-scenes data intelligence that most agency systems simply can’t deliver. This isn’t just another metric… it’s a whole new lens on your business.You’ll hear:• Why retention is the most important (and most ignored) metric in the industry• How agencies have been flying blind when it comes to their book of business• The difference between thinking you’re retaining clients… and actually knowing• How slicing your data (by producer, CSR, department, etc.) reveals the real story• And why keeping clients is WAY cheaper (and smarter) than constantly chasing new ones💡 The big takeaway:Growth isn’t just about new business—it’s about protecting what you already built.Because at the end of the day…👉 Your agency’s value is your book of business👉 And if that book is quietly shrinking… nothing else mattersStay Tuned for what’s next from Agency Navigators!Make sure to like, rate, review, and subscribe – your support helps us grow and bring more incredible content your way!Connect with us!Meet us: www.agencycfo.comLinkedIn: www.linkedin.com/company/theagencycfo Facebook: www.facebook.com/AgencyCFOYouTube: www.youtube.com/@AgencyCFOAgencyNavigators#AgencyNavigators #AgencyCFO #IndependentInsuranceAgent #independentinsuranceagency #ClientSurvivalMetric

Watch this episode on YouTube: https://youtu.be/crE-I0UDSG4The market is shifting faster than expected, and many agencies are already feeling pressure. In this episode, Roe and Don break down what a soft market really means and why it matters right now. Over the past few years, growth has felt strong, but much of it was driven by rising premiums, not true growth in clients or policies. Now, that cushion is going away. They walk through how this shift impacts revenue and profitability, and why many agencies are feeling pressure sooner than expected. More importantly, they focus on what you can actually do about it. The game plan is simple, not easy: double down on new business, tighten your renewal process, and protect retention at all costs. The agencies that stay proactive here are the ones that come out ahead. Make sure to like, rate, review, and subscribe – your support helps us grow and bring more incredible content your way! Connect with us! Meet us: www.agencycfo.com LinkedIn: www.linkedin.com/company/theagencycfo  Facebook: www.facebook.com/AgencyCFO YouTube: www.youtube.com/@AgencyCFOAgencyNavigators #AgencyCFO #AgencyNavigators #InsuranceAgency #SoftMarket

Watch this episode on YouTube: https://youtu.be/1aRUHPjYvDo  This episode is a big one! We’re taking you behind the curtain on Dashboard 2.0!Roe, Don, and Adam walk through what’s really changed, and how this evolved from a simple reporting tool into a true decision-making engine for agencies. On the surface, it may look familiar. Underneath, everything has been rebuilt to be faster, cleaner, and significantly more powerful. At the center of it all is your book of business. They show how to actually see what’s happening inside your agency by connecting the full picture, client count, policy count, commissions, and premium, all in one view instead of scattered across reports. When you look at it this way, the story changes. What feels like growth on the surface often tells a very different story underneath. You’ll also get an inside look at the features that make this possible, from data integrity scoring to combined performance views, expiration and workload tracking, and deeper visibility into new business and retention. But more than anything, this is about what that visibility unlocks. Better data leads to better decisions. And for the first time, you can act with real clarity and confidence.And just as this episode hinted at, this is only the beginning. Something even bigger is on the horizon.Make sure to like, rate, review, and subscribe – your support helps us grow and bring more incredible content your way! Connect with us! Meet us: www.agencycfo.com LinkedIn: www.linkedin.com/company/theagencycfo  Facebook: www.facebook.com/AgencyCFO YouTube: www.youtube.com/@AgencyCFOAgencyNavigators #AgencyCFO #AgencyNavigators #BookOfBusiness #DataDrivenDecisions #AgencyGrowth

Watch this episode on YouTube: https://youtu.be/rVNpCHMlk8MThis special end-of-year episode of the Agency Navigators Podcast is a little different—in the best way. Instead of charts and spreadsheets, the full AgencyCFO™ team comes together to reflect on 2025, celebrate meaningful wins, and share what they’re most excited about heading into 2026!From promotions and professional growth to deepened client relationships, the conversation highlights what truly makes AgencyCFO™ unique: the people. Team members share personal milestones, proud moments with agency partners, and even a few lighthearted pet cameos that remind us work and life are deeply connected.You’ll hear:• Reflections on a year of stability, growth, and connection• Behind-the-scenes insight into budget model enhancements, dashboards, and best-practice wins• Celebrations of client success—including nationally recognized performance• Honest discussion about why agency ownership can feel lonely, and how having the right partners makes all the difference• A forward-looking vision for 2026, centered on value creation, strategic growth, and long-term planningThe episode wraps with gratitude—toward clients, partners, and each other—and a heartfelt holiday message rooted in trust, purpose, and optimism for the year ahead.If you’ve ever wondered what it looks like when financial intelligence meets real human connection, this episode captures it perfectly!Peace, love, and happiness for the holidays—from all of us at AgencyCFO™. 🎄✨Click here to listen to the audio:https://www.buzzsprout.com/917515/episodes/16483496-OR-Apple: http://apple.co/3sAQGoZAmazon: https://amzn.to/3nZGO4nSpotify: https://spoti.fi/4anuTaBConnect with us!Meet us: www.agencycfo.comLinkedIn: www.linkedin.com/company/theagencycfo Facebook: www.facebook.com/AgencyCFOYouTube: www.youtube.com/@AgencyCFOAgencyNavigators #AgencyNavigators #AgencyCFO #InsuranceLeadership #InsurancePodcast #AgencyLeadership #AgencyGrowth #IndependentAgent #PeopleBehindTheNumbers #YearInReview

Watch this episode on YouTube: https://youtu.be/-H68BYPMKJwIn this Expertise Files episode, Don and Roe sit down with someone who has become far more than a client over the years — Christopher Cook, President of Alliance Insurance Services. What began with a single unexpected phone call has grown into one of the most meaningful professional partnerships of our AgencyCFO™ journey. This conversation isn’t about dashboards or formulas. It’s about the real work of running an agency — the moments of momentum, the moments of doubt, and the people who help us stay grounded through both. Together, we talk about:How shared experiences build trust and long-term partnershipThe human side of retention, culture, and leadershipWhy candor and transparency matter more than perfectionThe seasons when agencies (and agency owners) hit despair — and how to move through itThe generosity behind developing your people and helping them grow into the roles they’re meant forThe importance of knowing your numbers not as abstractions, but as stories about real people and real outcomes What makes this episode special is simple:It’s three people who genuinely care about each other, talking honestly about what it takes to build something that lasts. If you’re looking for strategies, there are plenty in here.If you’re looking for encouragement, there’s even more of that.But most of all, you’ll hear what AgencyCFO™ is built on — relationships, sincerity and the belief that we’re better when we grow together. Click here to listen to the audio:https://www.buzzsprout.com/917515/episodes/16483496-OR-Apple: http://apple.co/3sAQGoZAmazon: https://amzn.to/3nZGO4nSpotify: https://spoti.fi/4anuTaB Connect with us!Meet us: www.agencycfo.comLinkedIn: www.linkedin.com/company/theagencycfo Facebook: 

Watch this episode on YouTube: https://youtu.be/QiaLQlsa1xs How do you really know if your agency is winning? In this episode of Agency Navigators, Roe and Don unpack the true scoreboard every agency owner should be watching — value creation. CFOs don’t just crunch numbers — they measure impact. From growth and profitability to long-term agency valuation, Roe and Don reveal how to track the value you’re building every year and why it matters more than you might think. You’ll learn:  📈 The three buckets of value creation — paycheck, profit, and intrinsic agency value  💼 How to calculate and interpret the Rule of 20 (growth + profitability)  💡 Why value growth matters even if you’re not planning to sell anytime soon  📊 How to turn your agency’s financial data into a true performance scorecard  🤝 How Agency CFO helps owners feel safe, stay profitable, and keep growing Because at the end of the day, CFOs keep score—and the ultimate score is value. Key takeaway: “At the core of financial wellness is value creation. Measure it, grow it, protect it.” 👉 Subscribe for more Agency Navigators episodes that turn insight into action. If you need our expertise and outside perspective to implement needed changes in your agency - we’d love to hear from you - reach out today!  Connect with us!  Meet us: www.agencycfo.com  Listen to the audio: https://agencynavigators.buzzsprout.com/  Apple: http://apple.co/3sAQGoZ  Amazon: https://amzn.to/3nZGO4n  Spotify: https://spoti.fi/4anuTaB 

Watch this episode on YouTube: https://youtu.be/t6RaQW_xY1s In this episode of Agency Navigators, Roe, Don, and Cayla team up with Kelly Donahue-Piro of Agency Performance Partners to explore the power of industry connections.  Together, AgencyCFO™ and APP show how data and performance insights can unite to solve agency challenges—from boosting productivity and cutting out “busy work,” to building stronger cultures, recruiting smarter, and creating standards that actually work. Kelly shares actionable tips on leadership, client experience, and how agencies can thrive in today’s tough market. If you’ve ever felt like your agency is “running through peanut butter,” this conversation is your reset. 🎧 Tune in now and learn how uniting finance and performance can unlock your agency’s next level. If you need our expertise and outside perspective to implement needed changes in your agency - we’d love to hear from you - reach out today!  Connect with us!  Meet us: www.agencycfo.com  Listen to the audio: https://agencynavigators.buzzsprout.com/  Apple: http://apple.co/3sAQGoZ  Amazon: https://amzn.to/3nZGO4n  Spotify: https://spoti.fi/4anuTaB 

Watch this episode on YouTube: https://youtu.be/tHk8vDmDJ0g Ever feel like your agency is stuck in neutral? In this episode of Agency Navigators, Roe, Don, and Cayla break down the concept of inertia—what keeps agencies from moving forward, and what it really takes to turn things around. Using analogies from freight trains and cruise ships to real-world agency operations, they explore: 🚀 Why momentum matters more than motivation ⚙️ How leadership and team alignment impact growth 📊 The lag between effort and results (and how to stay patient) 💡 The role of compensation, hiring, and AI in building efficiency 🧭 Why continuous training and leadership development are non-negotiable 🎯 How to create motion through better client conversations and feedback Whether you're leading a growing agency or trying to reignite your team’s drive, this episode delivers actionable insights to help you build lasting momentum. Key takeaway: “Small changes lead to big results — but only if you stay in motion.” 👉 Subscribe for more episodes of Agency Navigators, where we help insurance agency leaders turn insight into impact. If you need our expertise and outside perspective to implement needed changes in your agency - we’d love to hear from you - reach out today!  Connect with us!  Meet us: www.agencycfo.com  Listen to the audio: https://agencynavigators.buzzsprout.com/  Apple: http://apple.co/3sAQGoZ  Amazon: https://amzn.to/3nZGO4n  Spotify: https://spoti.fi/4anuTaB #AgencyNavigators #AgencyCFO #Leadership #AgencyGrowth #Momentum 

Watch this episode on YouTube: https://youtu.be/jjbj5rOgo7UIn this episode of Agency Navigators, Roe and Don sit down with Lauren Roberts from Kite Technology Group to explore the critical foundations every insurance agency needs to thrive.Together, they break down four game-changing areas:Change Management – why leadership buy-in and positive momentum make or break system migrations.Right Person, Right Seat – the hard truth about misaligned roles, and how to avoid disengagement across your team.Awareness – uncovering blind spots and “you don’t know what you don’t know” moments that hold agencies back.Maximizing Systems – how to stop treating your AMS like an expensive file cabinet and start using it as your single source of truth.Lauren shares real-world stories from agency projects across the country—highlighting what works, what fails, and how culture, process, and accountability combine to drive efficiency and growth.🎧 Tune in and learn how to clean up your book of business, engage your team, and build the kind of operational foundation that can fuel sustainable success.If you need our expertise and outside perspective to implement needed changes in your agency - we’d love to hear from you - reach out today! Connect with us! Meet us: www.agencycfo.com Listen to the audio: https://agencynavigators.buzzsprout.com/ Apple: http://apple.co/3sAQGoZ Amazon: https://amzn.to/3nZGO4n Spotify: https://spoti.fi/4anuTaB#agencycfo #AgencyNavigators #KiteTechnology #LaurenRoberts #ChangeManagement #Insurance

You don’t sell a lot of insurance without giving great advice. In our latest Expertise Files episode, Larry Linne breaks down what separates a producer from a true advisor—and why consulting your future self may be the mindset shift you need. From the five levels of consulting to building momentum through goal-setting, this one’s packed with insight. Roe and Don also reflect on how Larry helped shape their careers—and the power of having someone challenge how you think, so you can do what you didn’t think was possible. 🎧 Watch it now → https://youtu.be/FNqaJGO4aYk #AgencyNavigators #podcast #InsuranceLeadership #AgencyGrowth #ExpertiseFiles #InCitePartner #AgencyCFO Connect with us! Meet us: www.agencycfo.com Listen to the audio: https://agencynavigators.buzzsprout.com/ Apple: http://apple.co/3sAQGoZ Amazon: https://amzn.to/3nZGO4n Spotify: https://spoti.fi/4anuTaB

Watch this episode on YouTube: https://youtu.be/PjZzHHRY8pMAvoiding financial “surprises” in the new year starts before December. The AgencyCFO™ team breaks down the critical steps you need to take now to protect your agency’s financial health in 2026.  Understand the importance of: Staying ahead with mid-year CPA reviews Keeping debt covenants and policy cancellations under control Prepping for producer true-ups and compensation planning Tidying up your books before the holidays hit If you’re ready to prepare for the new year, now is the time and we can help!  We have a few openings in the AgencyCFO Mastery Program™—reach out today. Like what you're hearing? Connect with us!Meet us: https://www.agencycfo.comLinkedIn: https://www.linkedin.com/company/theagencycfoFacebook: https://www.facebook.com/AgencyCFOYouTube: https://www.youtube.com/@AgencyCFOAgencyNavigators#AgencyCFO #AgencyNavigators #Podcast #FinancialHousekeeping #YearEndCleanUp 

Watch this episode on YouTube: https://youtu.be/A5hkjuWfUyYWhat do we mean when we say, “We’ve got a Jamie for that”? It’s about having a teammate who just gets it—someone who bridges the gaps, lightens the load, and keeps everything moving forward. In this episode, Roe, Don, Adam, and Cayla celebrate Jamie’s journey from Executive Assistant to AgencyCFO™ Experience Coordinator and the lasting impact she’s made on the team. From streamlining operations to elevating client relationships, Jamie has become the glue that holds it all together. They also share why every agency leader should consider the game-changing impact of a strong executive assistant. Because when you have a “Jamie,” you’re not just saving time—you’re creating space to focus on what matters most. #ThePowerOfAnEA #Podcast #InsuranceAgencyPartner #AgencyNavigators #HireIntentionally #AgencyCFO Like what you're hearing? Connect with us!Meet us: https://www.agencycfo.comLinkedIn: https://www.linkedin.com/company/theagencycfoFacebook: https://www.facebook.com/AgencyCFOYouTube: https://www.youtube.com/@AgencyCFOAgencyNavigators

Watch this episode on YouTube: https://youtu.be/W8doZ-tpCSk Agency Navigators started as a COVID-era project that eventually lost momentum. With Adam Bushey taking on the roll as the newly appointed Podcast Producer, Ryan Miller streamlining production, Ryan McGrogan elevating the visuals, and a renewed focus on intentional topics, the show has been brought back to life. The team shares how they simplified the process, raised quality with new tools, and focus on keeping conversations relevant to agency client partners and the insurance industry as a whole. The biggest lesson? A committed team, strong subject matter, and the right resources can transform a podcast into something sustainable—and fun. #agencycfo #agencynavigators #RustBeltStartup #McGroganDesign #podcast #InsurancePodcast #PodcastProduction Like what you're hearing? Connect with us!Meet us: https://www.agencycfo.comLinkedIn: https://www.linkedin.com/company/theagencycfoFacebook: https://www.facebook.com/AgencyCFOYouTube: https://www.youtube.com/@AgencyCFOAgencyNavigators

You don’t sell a lot of insurance without giving great advice. In our latest Expertise Files episode, Larry Linne breaks down what separates a producer from a true advisor—and why consulting your future self may be the mindset shift you need. From the five levels of consulting to building momentum through goal-setting, this one’s packed with insight. Roe and Don also reflect on how Larry helped shape their careers—and the power of having someone challenge how you think, so you can do what you didn’t think was possible. 🎧 Watch it now → https://youtu.be/FNqaJGO4aYk #AgencyNavigators #podcast #InsuranceLeadership #AgencyGrowth #ExpertiseFiles #InCitePartner #AgencyCFO Connect with us! Meet us: www.agencycfo.com Listen to the audio: https://agencynavigators.buzzsprout.com/ Apple: http://apple.co/3sAQGoZ Amazon: https://amzn.to/3nZGO4n Spotify: https://spoti.fi/4anuTaB 

Watch this episode on YouTube: https://youtu.be/GGAGltyUJgk AI is powerful—but it’s meant to enhance human intelligence, not replace it. We see too many agencies get caught in the shiny object trap: pouring money into tech without first investing in the people using it. With limited resources, ask yourself: Are we technology-rich and human poor? Before chasing the next tool, take a step back. Would your agency benefit more from developing your team—or adding more software? The answer might reveal what’s really holding back your growth. #agencycfo #agencynavigators #podcast #InsuranceAgency #AgencyGrowth  #AgencyFinance #BusinessStrategy #InsurancePodcast #ai Like what you're hearing? Connect with us!Meet us: https://www.agencycfo.comLinkedIn: https://www.linkedin.com/company/theagencycfoFacebook: https://www.facebook.com/AgencyCFOYouTube: https://www.youtube.com/@AgencyCFOAgencyNavigators

Watch this episode on YouTube: https://youtu.be/-2xcslmmhX8 Where do you even start when hiring a new producer—and how do you justify the investment? There are plenty of tools to help (lots of routes to Vegas, so to speak), but at the end of the day, a producer’s ability to prospect is what drives success. That’s where the SPQ Gold/FSA comes in—it helps identify reluctance before someone is in the role. Hire slowly. Be objective.  Use intentional evaluation and don’t go it alone—bring in a second set of eyes, whether it’s a mentor or an industry partner, to help make the right hire. Currently, we have a few spots open in the AgencyCFO Mastery Program, don’t miss out on this opportunity to work with us full time. Contact us now. #InsuranceHiring #AgencyGrowth #ProducerRecruiting #SmartHiring #SPQGold #InsuranceProducers #AgencyLeadership #HireIntentionally #AgencyCFO Like what you're hearing? Connect with us!Meet us: https://www.agencycfo.comLinkedIn: https://www.linkedin.com/company/theagencycfoFacebook: https://www.facebook.com/AgencyCFOYouTube: https://www.youtube.com/@AgencyCFOAgencyNavigators

Watch this episode on YouTube: https://youtu.be/bcbXEG-U_TE How healthy is your agency’s growth trajectory? Are you gaining ground—or losing it? The ACFO Magic Ratio answers both of these complex questions using just two data points and one simple formula. More than just a metric, the Magic Ratio gives your entire agency a shared understanding of performance. And when everyone’s on the same page, you’re better equipped to navigate both market and human variables.#agencycfo #agencynavigators #podcast #InsuranceAgency #AgencyGrowth  #AgencyFinance #BusinessStrategy #InsurancePodcastLike what you're hearing? Connect with us!Meet us: https://www.agencycfo.comLinkedIn: https://www.linkedin.com/company/theagencycfoFacebook: https://www.facebook.com/AgencyCFOYouTube: https://www.youtube.com/@AgencyCFOAgencyNavigators

Watch this episode on YouTube: https://youtu.be/h12wAl8B8gE  The good, the bad, the ugly—and why your perspective on industry benchmarking matters. In this episode, Don, Roe, and Cayla break down the real value of benchmarking in the insurance industry. Yes, it takes effort—but the insights can be transformative. Submitting your data is just the beginning. The real growth happens when you understand where you stand—and partner with experts to turn those insights into action. Why not learn from the best? Better yet—why not become one of the best? #agencycfo #agencynavigators #podcast #InsuranceAgency #AgencyGrowth #DepartmentalFinancials #AgencyFinance #BusinessStrategy #InsurancePodcastLike what you're hearing? Connect with us!Meet us: https://www.agencycfo.comLinkedIn: https://www.linkedin.com/company/theagencycfoFacebook: https://www.facebook.com/AgencyCFOYouTube: https://www.youtube.com/@AgencyCFOAgencyNavigators

Watch this episode on YouTube: https://youtu.be/Dg5fzZdPhhQIs your agency outgrowing the startup mindset—but still running with startup-level financial reporting?In this episode of Agency Navigators, we introduce the Mid-Agency Mindset and break down one of the most important financial upgrades you can make as you scale: departmental financials.We’ll cover:Why simplicity can become a liability as your agency growsHow departmental reporting reveals real performance by teamWhy this shift is crucial for compliance, profitability, compensation strategy, and smarter decision-makingIf you're hitting new growth milestones but still feel foggy on the numbers, this episode is your signal to level up. The earlier you gain this level of visibility, the smarter—and more confident—your growth decisions will be.👉 Don’t forget to like, subscribe, and share if this episode helps you see your agency in a new light.#agencycfo #agencynavigators #podcast #InsuranceAgency #AgencyGrowth #DepartmentalFinancials #AgencyFinance #BusinessStrategy #InsurancePodcastLike what you're hearing? Connect with us! Meet us: https://www.agencycfo.com LinkedIn: https://www.linkedin.com/company/theagencycfo Facebook: https://www.facebook.com/AgencyCFO YouTube: https://www.youtube.com/@AgencyCFOAgencyNavigators

Watch this episode on YouTube: https://youtu.be/dTLv2piKPtIStaying focused on the core of selling is key to long-term agency success. While the initial spark may fade, consistent sales efforts fuel your growth, stability, and long-term impact. As Don says, “Go sell some… stuff!”—because value is built through selling, not slashing expenses.A strong sales culture never goes out of style: write business, earn revenue, and keep it. Stay focused on what you're selling, who you're selling it with, and when that revenue hits—because it’s revenue, not premiums, that sustain your agency.And don’t forget: the voices you listen to shape your future. Make sure they’re actually cheering for your success.🎧 Listen now and discover how staying rooted in sales-first leadership drives real, lasting growth—far beyond just managing.#agencycfo #agencynavigators #podcast #insurance #LeadershipMatters #HumanFirst #AgencyLifeLike what you're hearing?Connect with us!Meet us: https://www.agencycfo.comLinkedIn: https://www.linkedin.com/company/theagencycfo Facebook: https://www.facebook.com/AgencyCFOYouTube: https://www.youtube.com/@AgencyCFOAgencyNavigators

Watch this episode on YouTube: https://youtu.be/ngxGSGtuL9s✨ What kind of gravity do you create as a leader? ✨In this episode, Roe and Don unpack the often-unseen influence leaders have within their agencies. Through candid insights and real-world experiences, they explore how self-awareness, intentional communication, and a human-centered approach can shape culture, inspire teams, and drive growth—reminding agency owners that their presence sets the tone more than any playbook ever could.🎧 Listen now and learn how true leaders inspire, collaborate, and grow beyond management.#agencycfo #agencynavigators #podcast #insurance #LeadershipMatters #HumanFirst #AgencyLifeLike what you're hearing?Connect with us!Meet us: https://www.agencycfo.comLinkedIn: https://www.linkedin.com/company/theagencycfo Facebook: https://www.facebook.com/AgencyCFOYouTube: https://www.youtube.com/@AgencyCFOAgencyNavigators

Watch this episode on YouTube: https://youtu.be/Tt-uVbqgtOYIn this episode, Roe, Don, and Cayla break down the tough decision many agencies face when a producer isn't the right fit. They explore the challenges through three key lenses:🔹 Tactical – What happens to client relationships and accounts?🔹 Emotional – Even when the numbers say "go," our hearts often say "stay."🔹 Organizational – As Don puts it: “An underperforming producer serves no one        well.”The real cost of keeping the wrong fit? It’s more than just dollars!Tune in for an honest convo about when (and how) to make the hard call—for the health of your agency and your team.Connect with us!Meet us: www.agencycfo.comLinkedIn: www.linkedin.com/company/theagencycfo Facebook: www.facebook.com/AgencyCFOYouTube: www.youtube.com/@AgencyCFOAgencyNavigators 

Watch this episode on YouTube: https://youtu.be/oo_0JbgjOL4Don and Roe are joined by CFOs, Cayla Carrillo and Shawna Cook, for a collaborative explanation of the “1-2 Cadence” in this episode of the Agency Navigators podcast. See it as a “two is better than one” or a “good cop, bad cop” scenario as Cayla jokes – either way, it just makes sense!We have tactical, strategic, and organizational passion sure, but we realized early on that we also have a passion for process. As CFOs we want to talk numbers with our clients, but we also want to be a resource for future planning. Early on, we started to ask ourselves “how do we use strategy to improve our performance?” And thus, the 1-2 Cadence was born. Our partner agencies often tell us that we provide accountability they didn’t know they needed, and our “1-2 Cadence” does just that. Connect with us!Meet us: www.agencycfo.comLinkedIn: www.linkedin.com/company/theagencycfo Facebook: www.facebook.com/AgencyCFOYouTube: www.youtube.com/@AgencyCFOAgencyNavigators 

Watch this episode on YouTube: https://youtu.be/3hT0uM-4pZ0This episode of the Agency Navigators podcast focuses on what Day 2 really looks like after acquiring an agency. Roe and Don are joined by Chip and Ted Gibson, the CEO and President, of Deland Gibson Insurance. As the agency who has been with AgencyCFO™ the longest, there’s so much that has been learned together along the way!Chip and Ted have been integral to Deland Gibson’s seven acquisitions completed over the last four years. Success in the process has come with time and experience; after countless hours of research, process development, and even a few misses early on they have refined their process. The human element of success cannot be understated, and that is echoed by Chip and Ted’s reflections (and shoutout to AgencyCFO™!).#AgencyNavigators #Podcast #Acquisitions #InsuranceIndustry #BusinessGrowth #AgencyCFO #SuccessStoryConnect with us!Meet us: www.agencycfo.comLinkedIn: www.linkedin.com/company/theagencycfo Facebook: www.facebook.com/AgencyCFOYouTube: www.youtube.com/@AgencyCFOAgencyNavigators 

Watch this episode on YouTube: https://youtu.be/aqqRT5Dti3IJoin us as we kick off Season 4 of the Agency Navigators podcast talking about every agency’smost valuable asset, and the common misconceptions and mistakes made when managing it.Intangible? Yes. Immensely Important? Also, yes. While we can appreciate agencies considering their employees to be their most valuable asset, it simply is not the case. When Don identified “Data Chaos” as a common theme and major barrier to Book of Business integrity, he and Roe knew they needed to add a data expert to the AgencyCFO team. Cue Adam Bushey, our Business Intelligence Analyst/Advisor! In his first year, Adam worked with Don, Roe and the rest of the team to maximize Book of Business success for our partner agencies. Connect with us!Meet us: www.agencycfo.comLinkedIn: www.linkedin.com/company/theagencycfo Facebook: www.facebook.com/AgencyCFOYouTube: www.youtube.com/@AgencyCFOAgencyNavigators 

Watch this episode on YouTube: https://youtu.be/aYjhEFptPjgOn this episode of the Agency Navigators podcast, Roe and Don spotlight the power of ‘find a way to say ‘yes!’’ As a fellow resource to independent insurance agencies, Austin Morehead of LAVA Automation also understands never-ending entrepreneurial needs and the loneliness that comes with agency ownership. Join Roe, Don, and Austin as they talk about their strengths, weaknesses, and the opportunities made possible with discipline (& a little tough love) from the AgencyCFO Team.This episode concludes Season 3 of the Agency Navigators podcast. See you soon! Connect with us!Meet us: www.agencycfo.comLinkedIn: www.linkedin.com/company/theagencycfo Facebook: www.facebook.com/AgencyCFOYouTube: www.youtube.com/@AgencyCFOAgencyNavigators 

Watch this episode on YouTube: https://www.youtube.com/watch?v=mK2Io5s-AHMRoe and Don traveled over the river, through the SNOW and just shy of 2,000 miles to host Mark Rodgers of Trailstone Insurance on this episode of the Agency Navigators podcast!Curious about the custom client experience at AgencyCFO? This episode highlights the day-to-day (and long-term) benefits of having a Custom Fractional CFO, the blind spots we highlight and eliminate, and the vast collaboration possibilities.Catch this episode for a client perspective of who we are at AgencyCFO, what we do, and the value we can add to your agency!Season 3 will conclude next week with a look at Industry Influence. Stay tuned! Connect with us!Meet us: www.agencycfo.comLinkedIn: www.linkedin.com/company/theagencycfo Facebook: www.facebook.com/AgencyCFOYouTube: www.youtube.com/@AgencyCFOAgencyNavigators 

Watch this episode on YouTube: https://www.youtube.com/watch?v=vyJO_sj5HXYIn this episode of the Agency Navigators podcast, Roe and Don Polczynski discuss the current "hard market" and its historical impact on independent insurance agencies. While this hard market has boosted revenues and profitability for agencies, such conditions won’t last forever. When the market shifts to a softer state, many agencies may be caught off guard and experience a noticeable drop in their key financial metrics/data. The lack of insight from agency management systems and overall agency technology is adding an extra layer of difficulty to prepare for the looming changes.As CFO’s, our job is to remove your blind spots and guide you through navigating the changes that lie ahead and make strategic, proactive decisions.Listen to this episode to stay ahead of the curve and prepare your business for success in a rapidly evolving world!Connect with us!Meet with Us: www.agencycfo.comLinkedIn: www.linkedin.com/company/theagencycfoFacebook: www.facebook.com/AgencyCFOYouTube: www.youtube.com/@AgencyCFOAgencyNavigators

Watch this episode on YouTube: https://youtu.be/7b4S1SNFM9ASurprise! We’re back with a special mini season of the Agency Navigators Podcast by AgencyCFO™! In this episode of Season 3, let’s start by taking a trip back in time to learn the backstory of the original “OG” Insurance Agency Fractional CFO. AgencyCFO™ officially launched in 2018, and the business that launched the program was founded in 2013 by married partners, Don and Roe Polczynski. 7 years later, we’re still working with agencies across the country and have no plans to slow down! We’re proud of the team we’ve built in the last 7 years, yet it was a decade of prior experiences that turned a concept into a program, a business, and now an industry-wide service.Tune in to episode 1 to learn why a Fraction CFO is important to your agency and one of the most valuable services you can invest in. Next episode will drop early next week! Stay tuned for “The Looming Change”. Connect with us!Meet with Us: www.agencycfo.comLinkedIn: www.linkedin.com/company/theagencycfoFacebook: www.facebook.com/AgencyCFOYouTube: www.youtube.com/@AgencyCFOAgencyNavigators

Since 1993 Reagan & Big “I” have conducted the “Best Practices Study.” Year over year they have provided valuable insight into the performance of agencies across the country, ranging from under $1.25M to over $25M. The 2021 Best Practices Study has been released and Don, The AgencyCFO President is giddy! This one study can put your agency ahead of the curve and prepare you for a strong 2022. Listen in to this episode to learn exactly how from the expert himself, Don.For the 2021 Reagan & Big “I” Best Practices Study: https://reaganconsulting.com/research/best-practices/Questions? Email: [email protected] with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/rdadvisorygroupYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.Instagram: instagram.com/rdadvisorygroup

You’ve thought about or have actually made the investment in hiring young talent, now what?Do you have a development plan for success or is the plan to wing it – they’ll understand eventually, right?Wrong. Potential for success starts BEFORE they even join the team. Especially young sales talent.Join Roe, Don, and Cayla this episode for tips on getting the ROI on your new hire. Questions? Email: [email protected] with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/rdadvisorygroupYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.Instagram: instagram.com/rdadvisorygroup

We get it. You’re a driven agency owner and the agency’s success is on your back. You’re probably tired and often go through periods of being completely burnout.When is the last time you took a step back and reflected on your role in the agency?That’s right. Burnout CAN be fixed and avoided. It starts with re-aligning your Highest and Best Use in the agency. Questions? Email: [email protected] with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/rdadvisorygroupYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.Instagram: instagram.com/rdadvisorygroup

Agency Owners and Principals– this episode is for you. Information out there to help you run your agency is endless and right at your fingertips! As a business owner there is always something shiny, new, or “innovative”, with the hope to solve your agency’s problems. Your AgencyCFO™ team is telling you to focus on the bottom-line results. Tune-in to hear the “Big 5” metrics that will make a difference in the results of your agency! Questions? Email: [email protected] with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/rdadvisorygroupYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.Instagram: instagram.com/rdadvisorygroup

We’re back!Thank you to everyone who offered us feedback on Season 1. We listened and are back this season with not only financial wellness tips, but growth and organizational  strategies.To our clients, partners and friends - THANK YOU.  As always, we hope to serve you well! - The AgencyCFO™ team

The #AgencyNavigators welcome their first guest: RD Advisory Group’s Growth Advisor, Cayla Carrillo.Cayla is kicking the year off with THREE TIPS for GROWTH in 2021. Yes, three, easy ACTIONABLE tips. Growth is more than a statement or mindset, it requires action. We've got your back and are here to help you move in the right direction.Questions? Want to hear more from Cayla? Email: [email protected]: linkedin.com/caylacarrilloConnect with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/rdadvisorygroupYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.Instagram: instagram.com/rdadvisorygroup

We’ve heard a common focus for insurance agencies in 2021, GROWTH.Before setting growth targets, the #AgencyCFO recommends measuring your team’s SALES VELOCITY. This metric is one of the best predictors for future earned growth. Ideally, your ORGANIC GROWTH.In this episode: The Agency Navigators not only teach you how to calculate your sales velocity (%), but also how to use it for measuring your team’s current and future performance.It is one, easy to calculate metric that can scale from agency to agency. Connect with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/rdadvisorygroupYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.Instagram: instagram.com/rdadvisorygroup

We’ve talked about why you should separate your personal and agency finances, but we’ve never talked about how much or exactly HOW to actually pay yourself. On this episode, the Agency Navigators discuss the magic formula on calculating the right compensation for owners based on agency size and  impacts to agency finances. Like most decisions, there are items to consider before moving into action.There’s no “normal” to benchmark against, so let’s talk about one of the grayest areas of independent insurance agency management. Connect with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.

As a kid, did you ever line up your dominoes and let them fall? Ironically, as adults we can actually BENEFIT from playing with dominoes the same way as we did as children. On this episode, the Agency Navigators share insight on the book “The ONE Thing: The Surprisingly Simple Truth Behind Extraordinary Results” by Gary Keller and Jay Papasan. The trick is to treat our strategic projects, big tasks, etc. as dominoes. In a world where we glorify multitasking, it may be time to prioritize and focus on simply…. ONE THING! So, what’s your lead domino?Connect with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.

It’s the gray area that no one really talks about… complete separation of personal and agency finances. Agency owners, we get it. It’s your agency and your money, so why are we even talking about this topic?As the agency owner, it’s your responsibility to promote sound business decision making and running the agency as cleanly as possible – just as you expect your team to. Not separating the personal and agency finances could: impact the valuation of your agencydemoralize team memberslead to IRS implications (& brand damage!)…and these are only some of the reasons why clarity and complete separation are important. Listen in for tips on HOW to shift to complete separation.Connect with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.

🗣 CALLING ALL AGENCY OWNERS WITH SHINY OBJECT SYNDROME!Do you sometimes change for the sake of change? Do you come back from conferences excited, with 20+ ideas ready to share and implement with your team? Are you always looking for the next silver bullet to solve your agency’s problems?If you answered yes to any of these questions, this message is for you!In this episode, #AgencyNavigators share key financial and organizational fundamentals that any agency can tackle, RIGHT NOW. Just because you can’t travel to conferences for ideas doesn’t mean you can’t work inside your four walls and on your agency's foundation.Connect with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.

Is your agency under 2.5 million in revenue AND in growth mode? If so, have you asked yourself the 2.5 million-dollar question: “Does my agency scale AND how FAR does it scale to?”Most often the #AgencyNavigators hear agency owners say, “What got me here will get me where I want to go." Although they’ve grown the agency, 10%+ of growth year after year is not possible without changing to a Mid-Agency Mindset. As the #AgencyCFO says, the biggest difference in agency size is actually NOT the expense structure, but rather where revenue is derived.Growth doesn’t mean more policies; it means purposeful change that scales your agency forward. So, is it time to change your mindset?Connect with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.

Yes, *ANOTHER* PPP update. Another month, another set of changes! This month brings modifications to the original PPP legislation. We’re here this week to bring you clarity (as much as we can anyways) on the legislation changes.As always, this is subject to change due to the Small Business Administration (SBA) still reworking the forgiveness details. Stay tuned in the coming weeks for more updates.Connect with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.

If you work in the insurance industry, do you remember how or why you started?Very few people intend on having a career in insurance yet most "fall" into it and realize it's not so bad, so they never leave.In the spirit of graduation, #TheAgencyNavigators challenge listeners to SHARE THE MESSAGE! Educate recent graduates on the career opportunities available and the "benefits" of the industry (no pun intended). You never know, a recent grad may be your newest hire!If you are struggling with your hiring & talent pool - take a leap of faith on recent graduates. They may have limited job offers and be ready to work, learn and develop. They bring new energy and can build experience through internships. Plus, they are probably tech savvy!For those who have graduated recently, congratulations! Have you thought about a career in insurance?Connect with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.

On this episode, #TheAgencyNavigators cover the power of Gratitude.It’s easy to focus on the negative, but what’s the POSITIVE of working in the insurance industry?We may be at different isolation stages, but we all have the opportunity to offer our clients peace of mind, confidence and stability in the worst of times. It’s our choice to be grateful for what we have and what we can offer or, we can give in to the tides of negativity. Connect with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr. 

There’s no going backwards after social distancing ends. Life has changed and we’ve had to adapt in our own ways. Yet, think about what actually kept us connected during these uncertain times. The real question is: how do we create a better, new normal once it’s all over? Have we really learned anything from this experience?Before that can be answered, the RD Advisory Group team says...CAPTURE THE OPPORTUNITY. On this episode, the Agency Navigators discuss keeping a pulse on how you, your team and your clients have adapted.There’s a major learning opportunity to debrief from the experience and help us move forward when “normal” life returns. For questions, email #TheAgencyCFO: [email protected] with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.

If you were one of the lucky agencies to receive money through a PPP loan, it’s time to think about how you’re going to spend the money.Your loan amount is in the bank….. now what? First, start with the most important question: Do you want to give any money back, or get it 100% forgiven? On this episode, #TheAgencyCFO shares his tips on how to maximize your loan forgiveness amount.For questions, email #TheAgencyCFO: [email protected] with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.

On today's episode we explain the difference of having cash in the bank and truly having USABLE, working capital. During this pandemic agencies should know their net cash position and build a reserve based on the agency's working capital. We've also come up with FIVE STRATEGIES FOR BUILDING AMPLE WORKING CAPITAL, because you never know when you'll need it! For questions, email #TheAgencyCFO: [email protected] with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.

On today's episode we answer the hot question on every agency owner’s mind, “How is the COVID-19 pandemic going to impact my agency financially?”Don, the #AgencyCFO  shares his insights and experience to help provide the answers. For questions and the budget template, email: [email protected] with us!LinkedIn: linkedin.com/company/rdadvisorygroupFacebook: facebook.com/rdadvisorygroupTwitter: twitter.com/roeanddonYoutube: RD Advisory Group - Roe and Don Polczynski, Jr.