The learning curve costs money—I didn’t make very good returns on my first investments, but I probably learned $200,000 worth of education.

- Aaron Fragnito

In this episode, we’re discussing real estate investment strategies. with Aaron Fragnito. Aaron is the Co-founder of Peoples Capital Group as well as a full time real estate investor with a primary focus on helping Accredited Investors, Family Offices and RIA's preserve their wealth in real estate. He is also the host of the New Jersey Real Estate Network (NJREN), the Passive Cash Flow Podcast and was an adjunct professor writing and teaching the course “Real Estate Entrepreneurship” at Rowan University. Aaron has built an 8 figure Real Estate Portfolio and is a well known name throughout the New Jersey Real Estate investment industry.

Join us to learn the whole story!

"You can buy a bad deal but be a good manager and make it into a good deal; you can buy a good deal but be a bad manager and turn it into a bad deal."

- Aaron Fragnito

Why Real Estate Can Be a Smart Move

I talked with Aaron about why many people choose real estate over the stock market. He explained that real estate can offer steady cash flow, tax benefits, and the chance to grow wealth over time. Many wealthy families put most of their money into alternatives like real estate, not just stocks. Aaron says it’s important to think about your long-term goals and learn from people who already have the kind of wealth you want.

Starting Your Real Estate Journey

Aaron shared that before diving in, you should figure out how you learn best. Whether it’s reading, listening to podcasts, or watching videos, there’s no shortage of good information out there. He suggests using “no extra time” moments—like driving or doing chores—to fit in learning. For busy business owners, he recommends starting as a passive investor with a trusted operator so you can see how deals work without taking on all the headaches yourself.

Why Passive Investing Often Makes Sense

Owning and managing properties isn’t always glamorous. Aaron shared some tough lessons from early deals—like dealing with bad tenants, unhelpful property managers, and unexpected repairs. He says the learning curve is expensive, and most business owners can make more money by staying focused on what they do best. By investing with a skilled operator, you can still benefit from real estate while avoiding tenants, toilets, and trash.

Keeping Focus and Avoiding Distractions

Aaron also talked about keeping his company focused on what they do best—buying and managing large apartment buildings in New Jersey. Instead of trying to do everything in-house, they partner with trusted contractors and specialists, which keeps the business lean and effective. His advice: know what you sell, avoid distractions, and be the best in your niche. This way, you can grow steadily without losing sight of your main goal.

"Know what your service is and just do it really darn well—be the best person in that industry at it."

- Aaron Fragnito

Want to get in touch with Andrea Jenson?

Website: https://thecashflowcfo.com/

Podcast: https://pod.co/the-cash-flow-cfo-podcast

LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/

Facebook: https://www.facebook.com/thecashflowcfo/

Instagram: https://www.instagram.com/cashflowcfo/

YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ

Want to get in touch with Aaron Fragnito?

Website: www.peoplescapitalgroup.com

Email: aaron@peoplescapitalgroup.com

"Everybody has their own personal economy that may or may not have anything to do with the economy at large."

- Penelope Jane Smith

Welcome back to a new episode of the Cash Flow CFO Podcast! Today’s conversation is with Penelope Jane Smith, the premier financial freedom mentor for women entrepreneurs and the go-to expert for some of the biggest names in the conscious business industry. She is an acclaimed international speaker and certified trainer with over 20 years of teaching experience, the author of the Little Book of Prosperity, and the creator of Prosperity Coin, the world’s first cryptocurrency designed to support financial freedom for women entrepreneurs. Her unique magic is supporting women entrepreneurs to become financially free in 5 years or less with $10,000+ per month in passive income so they don’t have to depend on their business, a job, a partner, the government, or anyone else for money.

Join us to learn the whole story!

"You want to have a big enough golden goose that you can live off the golden eggs and you never want to kill your goose."

- Penelope Jane Smith

The Secret to Financial Freedom

Penelope shared that the secret to being financially free is simple. You just need to have more money coming in from your investments each month than you spend. She calls this "passive income." It's like having a money tree that gives you fruit every month to pay for all your bills and fun stuff. You don't need millions of dollars to start. You just need to know your goal and you can get there in five years or less.

A Simple Three-Step Plan

So, how do you get there? Penelope explained her three simple steps. First, you have to dream about the life you want to live. How much money would you need each month to live that happy life? That number is your goal. Second, you start buying things that make you money, which she calls "assets." Think of this as getting your own "golden goose" that will lay golden eggs for you. Even starting with a small amount of money helps it grow over time because your money starts working for you.

Create Your Own Money-Making Ideas

What if buying assets isn't enough to reach your goal? The third step is to create your own assets. This is where you can use your ideas and your time to make money that comes in on its own. For example, you could create an online course or build a business that you can sell later. Penelope shared a cool story about a friend who licensed a pet product idea and now makes money every month without doing any more work. It's all about getting your money to work harder for you than you work for it.

Make Your Money Work For You

Penelope made it really clear how your investments turn into money you can spend. You don't have to just wait for a check. You can sell a small piece of your investments each year. She called this living off the "golden eggs" without hurting your "golden goose."

"All of this is about making decisions from a place of freedom and joy and what lights you up and makes you feel alive versus making decisions from a place of debt and obligation."

- Penelope Jane Smith

Want to get in touch with Andrea Jenson?

Website: https://thecashflowcfo.com/

Podcast: https://pod.co/the-cash-flow-cfo-podcast

LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/

Facebook: https://www.facebook.com/thecashflowcfo/

Instagram: https://www.instagram.com/cashflowcfo/

YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ

Want to get in touch with Penelope Jane Smith?

YouTube: https://www.youtube.com/@PenelopeJaneSmith360

Download your free copy of The Financial Freedom Formula eBook, where you’ll discover exactly what it will take for you to become financially free, the two types of passive income, and how to get more of each!

Website: https://realprosperity.isrefer.com/go/FFF/anje24/

“Too many entrepreneurs make decisions based off of gut, not based off of scalable frameworks and ROI.”

- Bryce Keffeler

Welcome back to a new episode of the Cash Flow CFO Podcast! In this episode, I sit down with Bryce Keffeler, managing partner at Dew Wealth. Bryce helps business owners grow and protect their money using a unique model called a "fractional family office." It’s like having your own team of top financial experts—just like billionaires do—but without needing hundreds of millions of dollars! We talk about how this setup helps entrepreneurs save time, avoid mistakes, and make smarter choices with their wealth.

Join us to learn the whole story!

“A lot of entrepreneurs don’t want to be sitting in the middle of that wheel managing all these professionals. They just want the outcomes that come with a well-oiled machine.”

- Bryce Keffeler

Build a Team That Works for You

In this episode, I’m diving into how business owners can make smarter money moves that protect their time, energy, and future. We’re talking about how to build a team around you that works together to support your goals—just like billionaires do, but without needing billionaire dollars. If you’ve ever felt overwhelmed trying to manage your finances, this episode will help you see a new way forward.

Profit Over Revenue

We also chat about how important it is to focus on profit—not just sales. I’ve seen business owners chase big revenue numbers but still feel broke at the end of the day. We break down why watching your costs and knowing your numbers—like how much it takes to get a new customer—is key to running a healthy, growing business. It’s not about doing more, it’s about doing better.

From Income to Wealth

There’s a great conversation about growing up in entrepreneurial families and how that shapes the way we see business and money. We talk about what it means to go from earning income to building real wealth—and how your business is a powerful tool to make that happen when you treat it like an asset, not just a job.

Protect What You’re Building

We also get into ways to protect what you’ve built. From insurance to legal structure to where you keep your cash, we share simple steps that can make a big difference. If you’re ready to stop playing defense and start planning ahead, this episode will give you the tools and confidence to move forward.

“You start your journey and it’s all about income… but as a successful entrepreneur, you need to shift your mind frame from focusing on income to equity.”

- Bryce Keffeler

Want to get in touch with Andrea Jenson?

Website: https://thecashflowcfo.com/

Podcast: https://pod.co/the-cash-flow-cfo-podcast

LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/

Facebook: https://www.facebook.com/thecashflowcfo/

Instagram: https://www.instagram.com/cashflowcfo/

YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ

Want to get in touch with Bryce Keffeler?

Website: https://www.dewwealth.com/

"The only smart marketer is the consumer. They're going to tell us what they need."

- Jennifer Orechwa

Welcome back to a new episode of the Cash Flow CFO Podcast! Jennifer Orechwa is a seasoned entrepreneur and marketing expert with over 20 years of experience in the business world. She is the founder of Salt Marketing, a firm specializing in organic content-based marketing for industries like health and wellness, as well as financial services. Before launching Salt Marketing, Jennifer sold her previous company to a larger firm, where she reinvested in their growth while continuing to lead their marketing efforts. Passionate about helping businesses grow sustainably, Jennifer shares valuable insights on acquisitions, reinvestment strategies, and the power of building content assets to ensure long-term success.

Join us to learn the whole story!

"Marketing is iteration. You do something, you learn from it, and then you improve."

- Jennifer Orechwa

Preparing Your Business for Sale

This episode is all about preparing your business for sale. I sat down with Jennifer Orechwa, an expert who specializes in helping business owners like you get ready for a successful exit. Whether you’re thinking about selling now or just want to be prepared for the future, this conversation has some valuable insights.

Building a Strong Foundation

Jennifer shared how it’s not just about selling. It’s about building a strong team, keeping things running smoothly, and making sure your business can work without you. She gave great tips on how to get ready early, even if you're not thinking about selling yet.

Marketing and Selling Your Business

We also talked about how marketing changes when you want to sell. Jennifer explained how your team and brand need to stay strong so buyers see the real value. It’s all about showing your business is ready to keep growing.

Smart Ideas for Business Owners

Our conversation is full of smart ideas and simple steps you can start now. If you’ve ever thought about selling your business or just want to make it better, this episode is for you.

"Your marketing is working if your revenue is increasing."

- Jennifer Orechwa

Want to get in touch with Andrea Jenson?

Website: https://thecashflowcfo.com/

Podcast: https://pod.co/the-cash-flow-cfo-podcast

LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/

Facebook: https://www.facebook.com/thecashflowcfo/

Instagram: https://www.instagram.com/cashflowcfo/

YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ

Want to get in touch with Jennifer Orechwa?

Website: saltmarketing.co

Email: jennifer@saltmarketing.co

“Scenario planning is like looking into a crystal ball—not to predict the future, but to be ready for it.”

- Marla Reynolds

Welcome back to a new episode of the Cash Flow CFO Podcast! Today’s conversation is with Marla Reynolds, a seasoned strategic advisor who brings clarity, calm, and confidence to business owners navigating financial challenges. With decades of experience helping companies of all sizes manage cash flow, plan for the unexpected, and build long-term resilience, Marla has a gift for making complex financial strategies simple and actionable. Her mission is to empower CEOs with the tools and insights they need to lead with clarity and protect their business’s future.

Join us to learn the whole story!

“Cash is oxygen for a business. Without it, you can’t breathe, and you can’t grow.”

- Marla Reynolds

Understanding Your Cash Flow

Hi friends! In this episode, I talk with Marla Reynolds. Marla is great at helping businesses get smart with their money. We dive into why it’s so important to really understand your cash flow. That just means knowing how money moves in and goes out of your business. When you keep a close eye on your cash, it helps you make better choices and sleep better at night!

Planning for the What-Ifs

Marla and I also talk about something called “scenario planning.” Don’t worry—it’s not as hard as it sounds! It just means thinking ahead and asking, “What if this happens?” That way, you're ready for good times and tough times. We share tips on how you can look at different options and stay calm when things change.

Getting Paid on Time

Another big topic is collections—getting paid on time! We explain how to make it easier for clients to pay you, and why it’s okay to have clear rules about payments. We both agree that setting up smart systems helps you avoid money stress and run your business with more confidence.

Tools That Make Life Easier

At the end of the episode, Marla shares some great tools that help you manage your money, even when things feel uncertain. This episode is full of simple ideas that really work. I hope you enjoy it and feel more in control of your business finances!

“Having the right tools gives you freedom. When you know where your money is going, you get your power back.”

- Marla Reynolds

Want to get in touch with Andrea Jenson?

Website: https://thecashflowcfo.com/

Podcast: https://pod.co/the-cash-flow-cfo-podcast

LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/

Facebook: https://www.facebook.com/thecashflowcfo/

Instagram: https://www.instagram.com/cashflowcfo/

YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ

"You can evolve your business without throwing everything away. You get to keep what still fits and let go of what doesn’t."

- Alex Pursglove

Welcome back to a new episode of the Cash Flow CFO Podcast! Today’s conversation is with Alex Pursglove. Alex helps women break through limitations, embody their worth, and become fully expressed to elevate in business growth and soulful alignment—all while living with more fulfillment in their daily lives. As a master coach, she has supported hundreds of women worldwide in accelerating in business and most importantly, learning how to accept and love their true selves.

Join us to learn the whole story!

"I had to walk away from a successful business because it didn’t feel like me anymore."

- Alex Pursglove

Following Your Heart in Business

In this episode, I talk with Alex Pursglove about how our businesses grow and change as we grow and change. We share stories about how things can feel out of place when we keep doing something that no longer fits who we are. Alex tells us how she had to make some big changes when her business didn’t match her values anymore. She chose to follow her heart, even when it meant losing clients and income.

A Real Talk About Debt

We also talk about money and debt — and how not all debt is bad. Some debt can help you grow if you use it wisely. But there’s also debt that can hurt you if you’re not careful. Alex opens up about the time she took on a lot of debt, not from a place of power, but from stress and fear. She learned a lot from that time and now helps others make smarter choices.

Changing With Life

As women, we often feel pulled in many directions. Kids, family, business — it can be a lot. I share how my life changed when I became a full-time carpool mom, and how our business models need to change with us. We talk about why it’s important to trust yourself and follow your own path, not just copy what others are doing.

Trusting the Journey

This is a deep, honest conversation about listening to your gut, trusting your journey, and building a business that feels true to who you are. I hope it helps you feel more confident in making the changes you need to grow — as a leader, a parent, and a whole person.

"When you feel out of alignment with what you’re doing, your body and energy will let you know."

- Alex Pursglove

Want to get in touch with Andrea Jenson?

Website: https://thecashflowcfo.com/

Podcast: https://pod.co/the-cash-flow-cfo-podcast

LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/

Facebook: https://www.facebook.com/thecashflowcfo/

Instagram: https://www.instagram.com/cashflowcfo/

YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ

Want to get in touch with Alex Pursglove?

Website: alexpursglove.com

LinkedIn: https://www.linkedin.com/in/alex-pursglove-1b97348/

"My job now is to lead the vision and support the people who are out there doing the work."

- Tina Forsyth

Welcome back to a new episode of the Cash Flow CFO Podcast! I sit down with Tina Forsyth, founder of Certified OBM® and a true pioneer in the world of certification and licensing. We talk about what it really takes to scale a business beyond yourself, why systems matter more than you think, and how to create programs that keep your values and vision intact—without burning out. Whether you're a service provider, coach, or visionary entrepreneur, Tina drops gems you won’t want to miss.

Join us to learn the whole story!

"Certification is about creating a ripple effect—you teach one person, and they go out and help ten more."

- Tina Forsyth

How Tina Built a Big Business Without Doing It All Herself

In this episode, I talked with Tina Forsyth. She’s the founder of the Certified OBM (Online Business Manager) program. A few years ago, Tina made a big change—she stopped running all the trainings herself and started letting licensed trainers do it instead. This helped her grow the business without doing all the work alone. Now, she spends more time supporting her team and planning big-picture stuff.

Taking Herself Out of the Center

Tina shared how she turned her business from something all about her into something that could stand on its own. It used to be that people signed up because it was Tina’s program. Now, it’s about the OBM brand itself. That shift gave her more freedom and helped the business grow even bigger. It wasn’t always easy, but it was totally worth it.

Helping More People Through Certification

One thing I love about Tina’s story is how she used certification to make a bigger impact. Over 1,100 people have gone through her program and become Certified OBMs. Those OBMs have gone on to help thousands of business owners. That’s the power of teaching others—you can reach way more people than you ever could alone.

Tips for Starting Your Own Certification

If you’ve ever thought about starting a certification, Tina has some great tips. Make sure your process works and that you’ve used it for at least a few years. Get your systems, legal stuff, and training plan in place first. It’s not something to rush. But if you do it right, it can be a powerful and lasting part of your business.

"I was the bottleneck. Everything had to go through me. And that was never going to scale."

- Tina Forsyth

Want to get in touch with Andrea Jenson?

Website: https://thecashflowcfo.com/

Podcast: https://pod.co/the-cash-flow-cfo-podcast

LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/

Facebook: https://www.facebook.com/thecashflowcfo/

Instagram: https://www.instagram.com/cashflowcfo/

YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ

Want to get in touch with Tina Forsyth?

Email: tina@tinaforsyth.com

Website: http://www.tinaforsyth.com/

LinkedIn: https://www.linkedin.com/in/tinaforsyth/