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TRANSCRIPTION WITH SPEAKERS
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[00:00] SPEAKER_00: From unsolved mysteries to unexplained phenomena, from comedy goal to relationship fails.
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[00:15] SPEAKER_01: Welcome to Canada's podcast.
[00:20] SPEAKER_01: Ladies and gentlemen, welcome to Canada's podcast, the Atlantic Canada version. My name is
[00:26] SPEAKER_01: River's Corbett, hanging out in the beautiful province of New Brunswick.
[00:31] SPEAKER_01: I've got my colleague and friend Nick Mumberket with us today,
[00:36] SPEAKER_01: Nick's with New Ground Financial.
[00:40] SPEAKER_01: This guy is not your average insurance sales guy, so we can get put that right away right now.
[00:45] SPEAKER_01: Nick is a guy who is an entrepreneur, has built a very interesting business,
[00:52] SPEAKER_01: continues to build nationally and combine that with doing some cool things in the community.
[00:59] SPEAKER_01: He really knows what the journey of the entrepreneur is all about.
[01:05] SPEAKER_01: We're going to talk a bit about some of the things that he's experienced as an entrepreneur.
[01:09] SPEAKER_01: We're going to talk about his business and we're going to bring in some advice for you folks
[01:13] SPEAKER_01: who are listening in from across the country.
[01:17] SPEAKER_01: So Nick, welcome to Canada's podcast.
[01:20] SPEAKER_01: Thanks for having me.
[01:21] SPEAKER_01: Yeah, it's great to have you for sure.
[01:24] SPEAKER_01: So when we first started this conversation a few weeks ago, you read something.
[01:31] SPEAKER_01: I was like, okay, give me your background, give me a bit of the taste of what it's about.
[01:36] SPEAKER_01: That's why I got excited was because of this document.
[01:41] SPEAKER_01: And so what I'd like you to do is, I know you found it, which is great.
[01:45] SPEAKER_01: So maybe you can, we can turn this around instead of you being the guest,
[01:51] SPEAKER_01: you're going to be the host who's giving us an overview of the guest.
[01:56] SPEAKER_01: So take it away, my friend.
[01:58] SPEAKER_01: I really, really, really love what you have to say about your journey.
[02:01] SPEAKER_02: Yeah, here it is.
[02:02] SPEAKER_02: So I'm going to have it posted on LinkedIn and a couple of weeks ago, I posted this.
[02:07] SPEAKER_02: So I said, how bad do you want it?
[02:09] SPEAKER_02: I'm nearing 14 years into my professional career and I feel like I'm just getting started.
[02:15] SPEAKER_02: Don't expect great things without a great effort.
[02:18] SPEAKER_02: I would not be where I am today without the help of my wife, mentors, staff, coaches,
[02:24] SPEAKER_02: courses, conferences, self-education, reading hundreds of books, listening to thousands of podcasts,
[02:32] SPEAKER_02: looking after my physical and mental health and making well over 5,000 goal goals.
[02:37] SPEAKER_02: I've always doing what I previously thought was impossible with the goal of becoming the person
[02:42] SPEAKER_02: I want to be, not the person I once was, your clients and prospects buy into who you are
[02:49] SPEAKER_02: and how you make them feel, not what's in your bag.
[02:52] SPEAKER_02: Nothing comes without an immense amount of focus effort.
[02:56] SPEAKER_02: Put in the work, nobody else will do it for you.
[02:58] SPEAKER_01: Bravo, man.
[02:59] SPEAKER_01: Bravo, Bravo.
[03:00] SPEAKER_01: And you do this through your company New Ground Financial.
[03:04] SPEAKER_01: Can you tell us a bit about New Ground?
[03:06] SPEAKER_02: Yeah, New Ground Financial is a firm that I founded in 2018, late 2018, early 2019.
[03:12] SPEAKER_02: And we specialize in helping small and medium-sized businesses with their employee benefit programs.
[03:18] SPEAKER_02: And we also help those business owners eventually as they grow from startup to growth and maturity
[03:25] SPEAKER_02: with their tax and estate planning and wealth planning.
[03:28] SPEAKER_01: So when you say that, that's a service that has tremendous competition associated with it.
[03:36] SPEAKER_01: What's your differentiator? How do you last 14 years and when I'm sure many don't?
[03:42] SPEAKER_01: So can you talk about that?
[03:44] SPEAKER_02: It's patience.
[03:47] SPEAKER_02: I'm a younger advisor in the industry,
[03:50] SPEAKER_02: still even 14 years later.
[03:51] SPEAKER_02: The average advisor in our world is somewhere between 50 and 60 years old.
[03:55] SPEAKER_02: So when I started in the industry, my sole focus was on employee benefits.
[04:00] SPEAKER_02: I spent about 110% of my time working that market.
[04:04] SPEAKER_02: And we still do spend about 80% of our time specializing in employee benefit programs.
[04:10] SPEAKER_02: And I guess what makes us different is we offer unique products and services and a view
[04:18] SPEAKER_02: of the industry that is fresh. It's a fresh perspective.
[04:23] SPEAKER_02: One of my tag lines is, we're breaking New Ground in a time more in industry and no offense to
[04:31] SPEAKER_02: some of the older advisors. There are some great advisors in the country.
[04:35] SPEAKER_02: But oftentimes what I found was they were doing the same thing year over year.
[04:41] SPEAKER_02: They may have 40 or 50 years experience, but they have the same 40 and 50 year experience year
[04:46] SPEAKER_02: over year over year. And what we've done is created an accelerated growth pattern,
[04:51] SPEAKER_02: not only for myself based on the efforts that I just discussed, but for that of any of our
[04:56] SPEAKER_02: associates. So, you know, our specialization and benefits sets us apart because most people
[05:02] SPEAKER_02: want to be generalists in this industry. And when you're a generalist, you know, you don't go to
[05:08] SPEAKER_02: your GP and ask for heart surgery and more of the heart surgeons of employee benefits in Atlanta,
[05:12] SPEAKER_01: Canada. Yeah, that's cool. I love that, I love that descriptive. So, so, um,
[05:21] SPEAKER_01: talk me through the sales approach and, and you know, part of the Canada's podcast is to
[05:27] SPEAKER_01: get advice in a way that people can take and reply to their businesses too. So, other, I think
[05:33] SPEAKER_01: other businesses that are that have a lot of competition and would really be keen to
[05:39] SPEAKER_01: the interested, okay, I get the differentiation. That makes a ton of sense to me. Now, how do you
[05:44] SPEAKER_01: ultimately get in front of somebody when to tell them about that differentiation? What's the process
[05:50] SPEAKER_02: you go through for that? Yeah, absolutely. So, at this point for myself personally, it's mostly
[05:56] SPEAKER_02: referrals. Thankfully. So, we've built a strong client base of clients as well as centers of
[06:03] SPEAKER_02: influence in our community. So, from a marketing and sales perspective, what was important to me
[06:08] SPEAKER_02: is really I built a business around a few different pillars. One was a lot of coal calls, like
[06:14] SPEAKER_02: I discussed a minute ago. We niche down in that market. We weren't scared to make calls and still
[06:26] SPEAKER_02: specific business that we had our eye on and introduce ourselves and see if there's a way we can
[06:30] SPEAKER_02: help. We still do that. And I believe that is still a valid way to build your business regardless
[06:37] SPEAKER_01: of the noise out there in today's market. What is that starting interrupt Nick? What is that
[06:44] SPEAKER_01: intro sound like when you call somebody and I say out of the blue, what can you give us a 60 second?
[06:49] SPEAKER_01: How do you get them to say, okay, yeah, talk to me. Hey, rivers, it's Nick Mombrake from Newground
[06:54] SPEAKER_02: Financial. May I ask for two minutes of your time to tell you why I'm calling and if you don't
[06:59] SPEAKER_02: want to talk after that, I'll go away. Is that okay? Beautiful. Beautiful. And just smiling
[07:04] SPEAKER_02: dialing. I love it. Smiling dialing. Yeah. Very cool. Cold referrals, or sorry, coal calls was a
[07:11] SPEAKER_02: huge pillar of our business. It still is. Now that we have a well-established block of business,
[07:16] SPEAKER_02: we continue to dig down in the relationships that we have and add value as much as we can.
[07:22] SPEAKER_02: Effectively, it's important for me when any of our clients ever hear the word,
[07:27] SPEAKER_02: root benefit, pension, life insurance, insurance in a state planning that they think of us first.
[07:35] SPEAKER_02: So I basically do everything I can to be top of mind to all of our current clients to ensure
[07:41] SPEAKER_02: that referrals are coming our way. And furthermore, developing centers of influence in the community.
[07:46] SPEAKER_02: So a lot of the planning that we do, coincides with that of legal offices and accounting offices
[07:53] SPEAKER_02: and those types of things. So I've literally called and continued to call on all of these professions
[07:58] SPEAKER_02: throughout Atlanta, Canada, as well as Ontario, and Alberta, where we are also licensed and
[08:04] SPEAKER_02: introduced myself and get to know these other professionals and teach them why we are different.
[08:09] SPEAKER_02: And as I reflect a little bit more, one of those big differentiators for us and I can speak
[08:14] SPEAKER_02: truthfully for myself is that although I do this as a career to provide for my family,
[08:22] SPEAKER_02: it's not about the money, it's not about the Ferrari, it's not about the Rolex, it's not about
[08:26] SPEAKER_02: the bigger hosts, all of that type of thing. It's about what value can we add to our potential clients?
[08:31] SPEAKER_02: How ethically and transparent can we be during that whole process? And sometimes that means I
[08:38] SPEAKER_02: don't get the sale today. It might mean I never get the sale, but it means that whomever is on the
[08:42] SPEAKER_02: end of the line, they're understanding what we do as an industry more, they're understanding
[08:49] SPEAKER_02: their situation and now they're making a more informed choice regardless of what benefit or
[08:53] SPEAKER_01: lack thereof I may have after that conversation. Yeah, very cool. It's a philosophy that you've
[08:59] SPEAKER_01: adopted with Newground Financial and I think it's all about, people ask me about branding and
[09:08] SPEAKER_01: how important is branding to an organization and I say it's everything, it's your DNA, it really,
[09:16] SPEAKER_01: and it needs the attention put to it versus just kind of think about it. You've got to really
[09:21] SPEAKER_01: put some attention to it. What do you want other people to say about you? I love that you said
[09:27] SPEAKER_01: that previously. We had a conversation a little second ago about LinkedIn. Talk about what
[09:34] SPEAKER_01: LinkedIn or any of the social media platforms that you might use in order to help you market your
[09:40] SPEAKER_02: business. Yeah, social is one of those pillars that we spend a lot of time on and LinkedIn happens
[09:45] SPEAKER_02: to be the number one that we focus on. There's hundreds of millions of business owners on LinkedIn
[09:51] SPEAKER_02: or business professionals who are there specifically to do business. So that's a huge focus of hours.
[09:57] SPEAKER_02: We do spend some time on Facebook and Instagram for different markets and things like that,
[10:02] SPEAKER_02: but ultimately LinkedIn is the big one. What we've done there is, again, try and add value as much
[10:10] SPEAKER_02: as we can. So if it's creating a bi-weekly post or even a couple of posts a day in some situations
[10:18] SPEAKER_02: in and around a certain topic to educate our audience, connecting with those centers of influence
[10:25] SPEAKER_02: again. So anyone who's connected to me on LinkedIn, I say you're either going to love what's there,
[10:30] SPEAKER_02: you're going to delete me in a few weeks, but I want people to understand and learn as much as
[10:37] SPEAKER_02: they can. And that's what we try to do as educate our audience. We are teachers in the industry.
[10:44] SPEAKER_02: And that's it. So we went on further to develop a podcast, one in which we call the interesting
[10:50] SPEAKER_02: people you meet. And the goal of that is to highlight local and national business professionals and
[10:55] SPEAKER_02: understand better understand their journey. So we used LinkedIn as a portal to share the stories
[11:00] SPEAKER_02: of others as well on our own platforms. And we feel that it does add a lot of value to our
[11:05] SPEAKER_02: community that we're building and gives a better idea and awareness of those other local business
[11:11] SPEAKER_02: owners who want to get their name out there. And we do it and sponsor it and pay for it all for them.
[11:16] SPEAKER_01: Very cool. I love it. You just came through a week of COVID. Talk to, talk to, and this is in a
[11:23] SPEAKER_01: place still to talk about COVID. It's a bit of a pedestal to talk about how do you, as an entrepreneur,
[11:28] SPEAKER_01: entrepreneur prepare for those days when you can't get out of bed, if the business needs to keep on
[11:33] SPEAKER_02: going. That's such a great question. And I was reflecting on that this morning and even last night
[11:37] SPEAKER_02: coming out of COVID, so to speak. And I think one of the things, and it's not a brag, but I think
[11:44] SPEAKER_02: as a business owner and especially as a business owner in the insurance industry, this again,
[11:49] SPEAKER_02: perhaps as a differentiator that sets us apart that might not sound so surprising to some of your
[11:54] SPEAKER_02: listeners who run businesses. But if, you know, I guess I'll go on a bit of a tangent. But in the
[12:01] SPEAKER_02: insurance industry, generally, people are really good salespeople, but they can't run a business.
[12:05] SPEAKER_02: There's very few who can. So one of the big things I thought of as I introduced Newground and created,
[12:11] SPEAKER_02: it was I wanted the people processes and policies in place to know that in the event that Nick
[12:16] SPEAKER_02: ever got hit by a bus at this thing would run as a smooth ship. That's why I didn't call it
[12:21] SPEAKER_02: Mombra Cat Financial, like I called it Newground Financial. Right. I wanted a saleable,
[12:25] SPEAKER_02: buildable asset that could run on its own. So that's kind of what we created pre COVID. COVID helped,
[12:33] SPEAKER_02: it kind of made me look smart, but I didn't expect that happening. So last last week, I'm at the gym.
[12:39] SPEAKER_02: I have one of the best gym days of my year, and I measured that. So I knew for sure. And I get a
[12:46] SPEAKER_02: text from my wife who goes, hey, Nick, I just tested positive for COVID. I was like, oh, wow,
[12:52] SPEAKER_02: I feel great and went home and then sure enough the next morning, I'm rocked with it. So, you know,
[12:58] SPEAKER_02: how did I manage through that time? Well, my business, I can literally stop working today and come
[13:04] SPEAKER_02: back in a couple of weeks and it will still do its thing. You know, we've digitized our business
[13:10] SPEAKER_02: as much as we can. I have an amazing staff of sales, another sales associate, an amazing
[13:16] SPEAKER_02: administrator who's always there when I'm not to make sure that this is a true and tried and tested
[13:23] SPEAKER_02: business and not just one guy trying to, you know, run around with his head cut off. Yeah, I love
[13:28] SPEAKER_01: that. What do you say to the one guy trying to run around with his head cut off? Because I'd say,
[13:33] SPEAKER_01: yeah, sorry, because they exist. So for those new guys, yeah, and talking if you talk about
[13:41] SPEAKER_01: it in general, it's because there's a lot of solo printers out there. Absolutely. I'd say, yeah.
[14:05] SPEAKER_02: You got to define the lifestyle that you want to create by being an entrepreneur and
[14:11] SPEAKER_02: if running around and being busy, busy, busy all day makes you feel really good and you go home
[14:16] SPEAKER_02: and you sleep well at night and your marriage is awesome and your kids love you and you get lots of
[14:20] SPEAKER_02: money in the bank, then go for it. That doesn't work for me. So, you know, if you're in that position,
[14:28] SPEAKER_02: know that one, there's hope you can get out of it. You're probably going to have to find a
[14:34] SPEAKER_02: business coach. You're probably going to have to find a mentor and maybe even pick up a couple
[14:39] SPEAKER_02: of books. Ultimately, you become what you read and who you hang out with. So if you're stuck in that
[14:44] SPEAKER_02: little spot and you feel like you're running around and you're running an amazing business, you have
[14:48] SPEAKER_02: a great product or great service, but you're you know, you're bagged at the end of the day and
[14:54] SPEAKER_02: wondering, is this what entrepreneurship really is? In some days, it is, but there is an opportunity
[15:01] SPEAKER_02: to create systems. Read the book called The E-Meth by Michael Gerber. That's a great start.
[15:06] SPEAKER_02: Yeah, absolutely. And there's a million that I could recommend. Reach out to me. I'd be glad to
[15:10] SPEAKER_02: share five or 10 minutes with you and give you a couple of ideas on what has helped me systematize
[15:15] SPEAKER_02: my business to allow me to step away without having to stress out about it. So I'm going to take a
[15:24] SPEAKER_01: mean where how do people reach out and we're going to continue our conversation, but how do people
[15:28] SPEAKER_02: get a hold of you? Yeah, sure. You can find us. The best way would be to connect with me on LinkedIn.
[15:33] SPEAKER_02: So it's Nick, Mom Burkett, M-O-M-B-O-U-R-Q-U-E-T-T-E. You can find me on LinkedIn or Nick at NewgroundFinancial.com
[15:43] SPEAKER_02: or you can check out our website at www.NewGroundFinancial.com. And you can book a time with me right there.
[15:50] SPEAKER_01: We're out there. Love it, love it. Talk about the decision to move beyond Atlanta, Canada,
[15:57] SPEAKER_01: to Ontario and Alberta. Yes. Can you talk to me about that decision?
[16:03] SPEAKER_02: Yeah, that was one like the business. I kind of had this personality where I build it before
[16:12] SPEAKER_02: it needs to happen. So I do that with my personal finances. I do that with a lot of things in my
[16:17] SPEAKER_02: life. I did that with COVID. I got an extremely good shape over the summer. I got hit with COVID.
[16:22] SPEAKER_02: It only lasted a few days in Hey, I'm great. Now I don't know if that's the same case for everyone,
[16:26] SPEAKER_02: but I did that with my business. So when we launched NewgroundFinancial, I thought to myself,
[16:33] SPEAKER_02: I want it to be a national firm at some point. COVID hit and a lot of pessimism was created,
[16:40] SPEAKER_02: a lot of frustration, a lot of fear, a lot of scarcity for some business owners. And for me at that
[16:45] SPEAKER_02: time, I said, what's the opportunity here? I thought, well, the industry changed overnight,
[16:51] SPEAKER_02: basically prior to COVID. Rivers, I would have had to drive to see you and get a wedding signature,
[16:57] SPEAKER_02: basically on everything we do to legally buy documents and those types of things in the insurance
[17:03] SPEAKER_02: industry. When COVID happened, the insurance carriers changed their processes quick as they could
[17:08] SPEAKER_02: to implement Adobe sign and Docu sign and these types of things where now we can work digitally,
[17:14] SPEAKER_02: we can work from a distance using Zoom, using Microsoft Teams, etc. And that was the opportunity
[17:20] SPEAKER_02: that I seen. I said, listen, I'm in a great market here. I'd love Atlanta, Canada. I love everything
[17:26] SPEAKER_02: that the people have to offer, but I also know that there's millions of more people in Canada,
[17:31] SPEAKER_02: in particular in Ontario and at West. So when COVID hit, I said, this is it. We're going to go make
[17:37] SPEAKER_02: a digital presence in these other provinces. We don't have physical boots on the ground there. We
[17:42] SPEAKER_02: are registered corporation, etc. All the legalities are fine. But now I said, great, here's an
[17:49] SPEAKER_02: opportunity to market digitally, to build our presence in other provinces without physically having
[17:53] SPEAKER_02: to be there every day. So I have COVID to thank for that. And that's why I made that decision.
[17:59] SPEAKER_01: And where do you have you been able to take the systems you have in Atlanta, Canada and just duplicate
[18:06] SPEAKER_01: them in Ontario or in Alberta, whereas there was a rating different that you had to do.
[18:10] SPEAKER_02: That's a great question. Absolutely. So I would say the systems themselves, yeah, the tonality,
[18:16] SPEAKER_02: the process, a little different things, different, you know, West. My experience here in Atlanta,
[18:25] SPEAKER_02: Canada is that generally everyone wants to get to know you. Perhaps a handshake at some point
[18:30] SPEAKER_02: before we're going to do business. It still exists. There's certainly some old liars that don't live in,
[18:35] SPEAKER_02: you know, don't adhere to that anymore. But I found and realized when I'm working in Ontario and
[18:41] SPEAKER_02: Alberta that those communities are are quick on their toes, not going to hesitate to make a
[18:50] SPEAKER_02: decision if it makes a lot of sense for them and their employees and their business and not I do
[18:54] SPEAKER_02: appreciate. So, you know, the tonality has had to change when we're dealing in those other
[19:01] SPEAKER_01: provinces relative to here in Atlanta, Canada. Interesting. So you've talked a few times about your
[19:07] SPEAKER_01: family. You have kids, you have your life partner, your wife. How do you how do you balance that off?
[19:18] SPEAKER_01: It's funny. I don't know if it's funny, but Richard Branson is a big mentor for me and he
[19:24] SPEAKER_01: he says it's not work life balance. It's life balance. Work is just a part of it. Personal is just
[19:30] SPEAKER_01: part. How do you do that strategically with what it is that you're bringing to the growth of
[19:38] SPEAKER_01: the new ground, but also the growth of your family? Yeah, that's that's an amazing question and I
[19:43] SPEAKER_02: would have to agree with Richard on that. I think that we're either, you know, throughout the
[19:48] SPEAKER_02: 24 hours in our day, we're either 100% in our business or hopefully 100% with your family.
[19:54] SPEAKER_02: And ultimately that that's my goal when when I'm at one or the other, that's where I am.
[20:01] SPEAKER_02: You know, so I've I've implemented a four day work week for myself. I only work on day to Thursday.
[20:08] SPEAKER_02: Friday's I'm off. It allows me to just decompress a bit when my kids were younger. It allowed me to
[20:15] SPEAKER_02: hang out with them a bit more, but now they're in school and daycare and stuff. So that that Friday has
[20:21] SPEAKER_02: been really, really good to me, allowing me to kind of decompress and be prepared to enter into
[20:27] SPEAKER_02: the weekend with my family and totally focus with them. I try not to and if and rarely bring work
[20:34] SPEAKER_02: home with me physically and or mentally. It's not perfect. Last week was an absolute nightmare.
[20:43] SPEAKER_02: Trying to manage that even though I was able to pause despite all the things I said, you know,
[20:47] SPEAKER_02: it's still running through your mind and and you grow into that. But I think the most important tip
[20:53] SPEAKER_02: I would give to any business owner is just to make sure that when you're at work, make sure you're
[20:57] SPEAKER_02: at work and you're not fooling around with other stuff and when you're home, make sure you're home
[21:01] SPEAKER_02: and you're with your family and your present for your partner, for your children, for whomever.
[21:07] SPEAKER_02: And then what I find personally is if I can do that when I get up the next day and arrive at work,
[21:15] SPEAKER_02: I don't feel guilty. I feel motivated and excited to continue and build my firm.
[21:21] SPEAKER_01: Yeah, I love it. So talk about, talk about Atlantic Canada and you know why,
[21:30] SPEAKER_01: when you talked about loving it there, you talked about doing obviously doing business there,
[21:37] SPEAKER_01: is what's the business support ecosystem like for you?
[21:41] SPEAKER_02: I think I'm a bit of a lone wolf to be honest, rivers. I know I gotta be honest with you.
[21:48] SPEAKER_02: I think it's there. I think it's there if you need it. I know there's a bunch of communities and
[21:54] SPEAKER_02: hubs and whatnot which support startups and entrepreneurs. I'm in a really weird industry where it's
[22:01] SPEAKER_02: there's not any of those existing in my opinion from the outside looking in and from what the
[22:07] SPEAKER_02: doors I've knocked on, not so supportive of what we do because there's a bit of a lack of understanding
[22:13] SPEAKER_02: of what goes on in our world and the struggles and challenges and problems and needs and frustrations
[22:19] SPEAKER_02: we go through every day, in my sector. And then yeah, and in our industry, it's so highly
[22:27] SPEAKER_02: competitive that I think everyone's scared to talk to each other, which I'm not. You'll see I share
[22:31] SPEAKER_02: tips and tricks online about what I do and how I serve, but there's a bit of a scarcity mentality
[22:37] SPEAKER_02: in my industry sometimes in which folks don't want to share. And that's frustrating and that's kind
[22:43] SPEAKER_02: of what led me to be honestly, but kind of do my own thing and look to two mentors like
[22:49] SPEAKER_02: Richard Branson or whomever that may be. I am fortunate enough to have an amazing mentor
[22:55] SPEAKER_02: who's helped me in my past number of years and he remains anonymous and he wants to be kept that
[23:00] SPEAKER_02: way, but outside of him, it's kind of me and my books and my own attitude and optimism that have,
[23:07] SPEAKER_01: you know, helped grow. Very cool, man. I love that answer. I love it. Yeah. Talk about the future.
[23:13] SPEAKER_02: What's the next couple of years like for you? Yeah, the next couple of years are I'm very excited
[23:18] SPEAKER_02: to see what's what's going on. I think our penetration and growth across the country is something
[23:24] SPEAKER_02: I'm very excited about learning and understanding those new markets, perhaps adding to our
[23:30] SPEAKER_02: sales team in those those markets would would be amazing having some physical boots on the ground
[23:35] SPEAKER_02: there. We are still a pretty relatively small firm. We've got one full time assistant myself and
[23:43] SPEAKER_02: a full time associate at this point a couple of years in here to the business. So my three to five
[23:49] SPEAKER_02: year goal would be to have at minimum five full time sales associates with with a couple more
[23:55] SPEAKER_02: support people to help us spread our message and service across the country. Yeah, across the
[24:01] SPEAKER_01: country. I'm going to be interested in when you're going to go to BC and Manitoba and so on.
[24:07] SPEAKER_02: Is that part of the play? Absolutely. Yeah, I would say every province and territory here in the
[24:12] SPEAKER_02: next few years outside of Quebec because their licensing is a little different and I don't speak
[24:17] SPEAKER_02: very good French despite my last name. So it's a bit of a lost cause for me. I am a huge
[24:22] SPEAKER_01: Habs fan though. So any excuse to go. I'm more of a football guy these days and I am a hockey guy
[24:31] SPEAKER_01: but when I have to be it definitely for the definitely. Absolutely. So how many children do you have?
[24:39] SPEAKER_01: I have three children. Three children. If they were all gathered around right now and you could
[24:44] SPEAKER_01: tell them one piece of advice that they needed to focus in on in order to start their
[24:52] SPEAKER_01: own business whatever that might happen to be done necessarily in the financial services world
[24:56] SPEAKER_02: will be that piece of advice be. Well, I kind of said it earlier and it's a monitor that I live by
[25:02] SPEAKER_02: and think about a lot and it's you become the people you hang out with in the books you read
[25:06] SPEAKER_02: and the stay-in-age perhaps the videos you watch. So I really think that you know protecting our mind
[25:16] SPEAKER_02: and from the inflow of information from wherever that is is one of the hardest
[25:22] SPEAKER_02: things we can do and one of the most one of the best things we can do if we can learn to control
[25:28] SPEAKER_02: the distractions and the noise and focus on what matters most right now we can do anything we want.
[25:36] SPEAKER_02: So again we got to watch out who we hang around with because we'll get the results
[25:41] SPEAKER_02: and and second we we got to watch what we read and the information we consume again it will
[25:48] SPEAKER_01: make who we are and our and our results. I love it. I love it so true so true. Well Nick this has
[25:55] SPEAKER_01: been an amazing conversation it's been concise it's been it's been wrapped up nicely and with a bow
[26:01] SPEAKER_01: and is there anything that left that you wanted to talk on maybe you can just say again one more
[26:07] SPEAKER_01: time how people get in touch with you again because that's part of the part of the advantage of
[26:12] SPEAKER_01: being on our on our podcast but if there's anything else that you'd like to say to go ahead.
[26:15] SPEAKER_02: Yeah absolutely I just want to if if you're an entrepreneur listening to this or or aspiring
[26:21] SPEAKER_02: to be one I congratulate you the road is it can be long sometimes but it's so darn rewarding if
[26:28] SPEAKER_02: you put in the efforts and then again surround yourself with the right people so congratulations to
[26:33] SPEAKER_02: anyone who's you know pulled the trigger and done it or if you're considering it you know take
[26:38] SPEAKER_02: those calculated steps but in in a few short years I hope that like me and others you'll be
[26:45] SPEAKER_02: happier healthier you know and and feeling a lot better because of that choice you made
[26:50] SPEAKER_02: I find once you get that bug in your gut and you feel it and you get that itch you can't scratch it
[26:55] SPEAKER_02: you can't get rid of it so you kind of got to go far this is the most beautiful I put call it the
[27:01] SPEAKER_02: most beautiful curse out there this is it absolutely and again so my name is Nick Mombraquette
[27:05] SPEAKER_02: Nick at Newground Financial.com you can find my schedule on our website if you want to reach out if
[27:10] SPEAKER_02: you have any questions just want to catch up find out more about me or how we might be able to
[27:15] SPEAKER_02: help you thank you so much for listening and tuning in to my story and Rivers thank you so much
[27:21] SPEAKER_01: for having me on the podcast I appreciate it. Yeah bang on dude you the you press me since the day I
[27:26] SPEAKER_01: met you which was the first day a little while ago and this is the second day so you still continue
[27:32] SPEAKER_01: to press me man. Awesome thank you thank you
