Joshua Dominic is the Co-Founder & CEO of Dreamstar Lines, the premier overnight sleeper train service in North America. Joshua co-founded Dreamstar after experiencing the significant shortfalls in today’s travel and realizing other countries had a working solution, but one needing further development for the American market. By developing a luxury rail service that solves many of those issues, Dreamstar Lines was born. Joshua is responsible for the company’s overall vision and direction, based on 13 years of experience in startups, finance, strategy and logistics. Prior to creating Dreamstar, Joshua served in the United States Air Force Reserves specializing in logistics and mobility before going on to graduate with a degree in Economics from Columbia University. After a brief financial career focused on corporate strategy and acquisitions, Joshua transitioned to start-ups focused on business development for Darktrace and Cloudkitchens. Lastly, he was a partner and co-founder in Falcon Funds, a search fund focused on finding, acquiring and operating businesses in the lower-middle market. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.

Bita Safari is the founder and CEO of GIGO Clean Technology. GIGO Clean Technology provides a platform for an application that works like Uber for the cleaning industry. Starting from a small office in Santa Ana, California, the company plans to provide services nationwide by 2028. Bita Safari is an effective leader with an extensive project management background. Under her vision and leadership, GIGO Clean is revolutionizing the cleaning industry. Born in Iran, living under a socially unjust system, experiencing war and revolutions, and witnessing many traumas, she experienced additional challenges when she emigrated to the United States. As she acclimated to United States business norms, her personal life and career have been a roller coaster taking her up and down many challenging and complex paths. But she does not give up. “I am like the city of Venice, built out of desperation and survived unimaginable circumstances," says Bita. "We are both strong as ever, even with an uncertain future." While Bita is a dedicated business leader, founder, and President of successful commercial cleaning company Simply Crystal Clean, she is also a devoted wife and a loving mother. She loves to spend time with her family and friends. Additionally, Bita truly believes in giving back to society. “As we all have responsibilities toward ourselves and our family, we all have responsibilities toward the society that we live in and the environment,” Bita says. Safari has volunteered for an organization, Moms Against Poverty, that has been awarded the prestigious Jefferson Award and Jacqueline Kennedy Onassis Award for the past 15 years. Despite her busy life schedule, she has never passed on her duties as a volunteer helping others. A chemical engineer, Bita's skill in management and leadership have been learned through hard work in top level management positions over the past twenty years at busy operations. These experiences have shaped her into a strong leader who knows how to overcome obstacles and challenges of business. She is a visionary entrepreneur, a hard worker, and a very disciplined individual. At the same time, she takes her role as a mother very seriously. Nothing is more important than her daughter to her. Residing in Southern California with her husband, daughter, and her German shepherd, she has a beautiful and happy family. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Bryan Crain is the President of Orange County Rescue Mission, Bryan’s entrepreneurial career began 28 years ago as an undergraduate at the University of Southern California. He co-founded what became the largest independent radio show prep company in the nation, serving over 2,000 radio morning shows with daily written and audio content. After selling the company in 2014, Bryan was hired as the Chief Operating Officer at Orange County Rescue Mission. In his role as COO, Bryan led the development of diverse programs and facilities such as Tustin Veterans Outpost, Restoration Roasters, Double R Ranch, and emergency housing for human trafficking survivors. He was promoted to CEO in 2023. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Jennifer Strong is the founder of Cognitive Diagnostic Associates (CDA), the largest special education company in the United States. An accomplished School Psychologist with specialized expertise in School Neuropsychological Assessment. Boasting an illustrious background in the field, Jennifer has embraced the role of Board Member and Region 9 (IX) Representative for Orange County within the California Association of School Psychologists (CASP). Furthermore, she actively mentors aspiring School Psychologists through the National Association of School Psychologists (NASP) mentorship program. She has pursued advanced post-graduate training in school neuropsychology, garnering the Diplomate distinction from the American Board of School Neuropsychology. Raised in the diverse landscape of Alaska, Jennifer’s unique perspective is enriched by her upbringing alongside her father, Dr. Larry Reynolds, a distinguished Physician in the state of Alaska who earned legislative recognition for his remarkable contributions. Her extensive experience in educational settings includes her recent leadership involvement in shaping policies and procedures for Special Circumstances Instructional Assistance (SCIA) at her previous district. She possesses a profound passion for Special Education Case Law and adeptly provides clients with expert guidance concerning their children’s Individualized Education Programs (IEPs). Jennifer has exceptional expertise in ADHD/ADD, behavioral disorders, autism spectrum disorder, traumatic brain injuries, 504 plans, manifestation determinations, as well as comprehensive assessments of memory, attention, and learning. Beyond her professional pursuits, Jennifer finds joy in skiing, gardening, and culinary exploration. A devoted mother and former athlete, she actively contributes to philanthropic initiatives, including her engagement with the Newport Beach Chamber of Commerce, membership/involvement with the 11-99 Foundation, and developing “Cans 2 the Curb” with her sons—a meaningful endeavor dedicated to giving back to the Special Education Department of their local school. Jennifer also participates in the Boy Scouts of America’s Wreaths for Veterans program with her sons. Furthermore, as the Chair/Head of the Scholarship Program for School Psychology in Graduate Schools, Jennifer is deeply committed to empowering and supporting aspiring school psychologists in their educational endeavors, through a focus on health, wellness, and balance. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Jay Rogers is an investment professional and entrepreneur with almost three decades in the financial services industry. His career began with such firms as Morgan Stanley, Wells Fargo and Bear Stearns and later transitioned to working full time with family offices and creating diverse investment portfolios. Alpha Strategies was established in 2009 by a group of highly experienced investment professionals with a shared belief that qualified investors are still underserved in their access to deep domain expertise in alternative investments generating consistently high levels of “pure” alpha. It has since grown into a diversified financial services company with specialties in alternative investment consulting and management. Jay has been a trusted advisor to multiple family offices and is instrumental in syndicating private investment opportunities among family offices and institutional investors nationwide. These opportunities include real estate, private debt & equity, and venture capital. Jay also acts as advisor to Native American Tribal Nations for economic development and investment opportunities. An advocate for tribal independence he has provided financial solutions to several tribes and is the founder of the Native Made Foundation, championing the purchase of goods and services originating on Native American Reservations. Jay is also a frequent speaker at industry events on family office and alternative investment issues. He has appeared on CNN’s Your Money and is frequently quoted and interviewed for financial publications including the Wall Street Journal, Bloomberg News and NPR. He has presented to audiences at IMN, Opal Financial, IvyPlus, World Research Congress, Marcus Evans, Institutional Investor, and other investment conferences around the country. Jay is a guest lecturer at USC Marshall School of Business and provides expert witness services including testimony for litigation involving securities and investment industry matters. Jay holds a BS from Northeastern University, is a graduate of the USMC Officer Candidate School in Quantico, VA and has completed graduate courses at UCLA and the Wharton School of Business at UPENN. He held multiple securities licenses and was a member of the CFA Institute and the CFA Society of Orange County (CFAOC). Currently residing in Ladera Ranch with his wife and children, he is active in his local community as President of the Board of Directors for Ladera Ranch Community Services (LARCS), a community services organization. Mr. Rogers is also on the boards of Family Office Association, Altriarch Capital Partners, and several private companies. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Chris Skaling is the visionary founder and CEO of NAITIVE, an innovative AI Consulting Agency that is transforming the consulting landscape. With over 15 years of experience in AI integration and cloud transformations, Chris is at the forefront of pioneering AI-driven solutions that redefine how businesses operate. At NAITIVE, Chris leads a team dedicated to offering a fresh, personalized approach to consulting. One notable achievement includes developing an AI Agent team for a real estate firm. This groundbreaking solution autonomously scans specialized data to identify target clients, generates personalized marketing material, and translates complex data queries into real-time insights—all through natural language processing. Such innovations empower clients to make informed decisions with unprecedented speed and precision, exemplifying NAITIVE's commitment to transforming industries. Chris's journey from architecting data solutions for global tech giants to founding NAITIVE reflects his passion for challenging the status quo and delivering exceptional value. Under his leadership, NAITIVE aims to be the only partner businesses need to integrate and leverage artificial intelligence, ensuring they stay ahead in the new era of AI.   -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Polina Kratova is the Founder and CEO of RiseUP Stars, a pioneering organization in youth enrichment and education. With over a decade of experience working with tech-enabled startups and building impactful programs, Polina has dedicated her career to empowering young minds through innovative, hands-on learning experiences. RiseUP Stars is a leading provider of enrichment programs that span before, during, and after-school settings, as well as structured recess and out-of-school camps. Under Polina’s leadership, the organization has expanded to reach thousands of students in California, offering unique opportunities in STEAM (Science, Technology, Engineering, Arts, and Math), wellness, and mindfulness education. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Tom Wood is a seasoned entrepreneur and industry expert with a passion for helping business maximize profits and increase their bottom line. As the CEO of Silent Streams, he has successfully saved companies millions of dollars and increased employees' benefits at the same time. With a keen eye for innovation and a commitment to excellence, Tom is dedicated to changing the way business owners approach cost containment and risk mitigation. Silent Streams is an industry leader and completely revolutionizes the way businesses operate by providing innovative solutions in cost containment and value-added services. Our cutting-edge technology and expert team help businesses dramatically increase bottom line profits and create healthier and more profitable work environments for their employees. Whether you're a small business owner or a large corporation, we can help you achieve your goals and drive growth without risk or financial investment. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com.   

Known as The Transformational Book Coach for “cause publishing,” Susie Schaefer believes that books are the gateway to creating a movement. Whether writing a book helps an author heal past trauma or raise awareness for social change, Susie empowers storytellers to be part of the global conversation and create a ripple effect for humanity, particularly when an author shares their own story in connection to their mission, message, and community. Susie's bestselling books include A Path to Purpose: Seven Inspired Stories to Discover Your True North, The Pivot Project: Stories to Inspire the Shift in Your Life, Your First Book: The Publishing Guide for New Authors, and The Escape: How to Leave Your Abusive Relationship Safely (International Impact Book Award). -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Shannon Chapman graduated from Mission Viejo High School in 2000, making her way to SDSU days before her 18th birthday. She wanted to be a teacher, so she majored in English & had her BA by 2004. She was 21 when she graduated college & set out to become a teacher abroad. Instead, she welcomed a baby boy at age 23 with half of her credential completed & a job as a substitute teacher. This was not exactly how she had imagined her pathway into teaching, but she knew she would somehow, someway, accomplish her goals. Fast forward a few years & she was living in Orange County again, working as an executive assistant for Pepsico. She was learning the beverage industry, but she was also learning how to run a business. A year or so later, she moved on to Pepsi Bottling Group, learning sales, marketing & anything she could about small-format business. She became the number one sales rep in CA, breaking records and exceeding quotas. From there she took over a dive bar for a friend who wanted out of the bar business. She took everything she knew and translated that into an extended “beverage” career as a bar owner, quadrupling sales within two months. She started baking cookies to sell in the bar & turned her side hobby into a multimillion-dollar manufacturing & distribution company for 15 years. Then, she was ready to transition. She moved back to Mission Viejo to be closer to her parents when her father was diagnosed with Leukemia & Lymphoma. Now a single mother with three boys & a new house, Shannon had a desire to try something new. The goal was to start a business where she could still coach little league, make good money & prioritize her boys. Construction was a perfect fit & fell in her lap when she began construction in her backyard. She’s always loved construction & comes from a big family of men & women who are very handy & construction-oriented. Shannon was working from home, so she became a student of the construction process from beginning to end. She made friends with the General Contractor, took over the construction of her house, then asked him for a job as a project manager of his construction company. She proved she could do the job by bidding a handful of jobs, landing those jobs, then completing the work as a project manager—all while starting a new company in the self-storage world. Self-storage allowed her to do the construction she enjoyed, work the hours she wanted (mostly from home) & build generational wealth for her boys. She learned everything she could, built her team & took on a $17M ground-up development in AZ as her first project. Shannon is now a developer, doing her own projects as well as a vendor of services for other development companies. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Jenn Quader is President & CEO of The Smart Agency, a 30-year-old company she acquired in 2018 that is now the leading professional communications firm for commercial real estate and financial services companies in the United States. Her personal mission is to empower the next generation of confident communicators by sharing her voice in the global movement toward empathetic and human-first business leadership. Jenn honed her skills working on behalf of major companies such as Fox/MGM Entertainment, Ford Motor Company, Michelin, and Mazda before specializing in commercial real estate. Today, in addition to leading her company, she is a poet, author, and now a recording artist with her debut vocal jazz album called “Love, In All Its Forms.” -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com.   

John Cervenka is the CEO and a co-founder of Starfish Social Media Inc. Starfish is a fast growing global social media platform that enables users to promote their good, connect with others that share common interests, and easily connect with the causes they about. Prior to launching Starfish, John was an Institutional Advisor with Morgan Stanley. Before joining Morgan Stanley, John was a producer and writer with FOX Studios, Sony Television, Spike TV and Game Show Network. John attended the University of Southern California and the Thunderbird School of Global Management. He and his wife, Kerry, live in Southern California and have 4 children. Steven Mott, COO and co-founder of Starfish Social Media Inc., is an experienced business professional with a focus on Real Estate Construction and Management. He has worked with Williams-Sonoma and Dole Foods, among other top-tier companies. Founding Starfish Social Media is the result of Steven’s desire to create a legacy and make a difference with his time and treasures. Steven believes in the power of giving back through supporting the American Himalayan Foundation, his alma mater UC Berkeley and other nonprofits with needs both big and small. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Ian Tonks is an expert EOS Implementer at EOS Worldwide. Through the Entrepreneurial Operating System™, Ian Tonks combines timeless business principles with a set of simple, practical, real-world tools to help entrepreneurs get what they want from their businesses, enabling them to crystalize their vision, instill discipline and accountability throughout the organization, and build healthy, functional and collaborative work teams. His journey to EOS began in the late 1990s, when he spent seven years running a 650-employee company that provided youth sports programming to a variety of professional sports organizations, including Major League Soccer, the NFL and Jack Nickalus’ Golden Bear International. After getting married in 2006, he traded the grind of 100,000+ flight miles a year for the short commute to a private Bay Area University, where he led several capital fundraising campaigns and saw the institution through its transition to NCAA division 2. In 2009, he launched a business development practice to pursue his true passion and purpose: helping business leaders plan more strategically, grow more reliably, and maximize the talent in their companies. His EOS light bulb moment occurred in early 2015, when a friend and mentor recommended he read the book “Traction,” by Gino Wickman. He instantly connected with the simplicity and practicality of its transformative message and seized the opportunity to create his own EOS practice. Today, he’s an expert EOS Implementer with 750-plus sessions of real-world experience across an array of industries. Fusing three decades of executive and entrepreneurial experience, he customizes EOS’s proven system to each client’s unique situation and needs. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com.   

Sebastian Zelger, born in 1988 in Germany, is the CEO of Liqui Moly USA. His early experiences with low-paying and physically exhausting vacation jobs during high school fueled his determination to pursue higher education and a successful career. While studying, Zelger gained hands-on experience at prominent companies like Porsche AG in Stuttgart and Carl Zeiss in Aalen. In 2014, Sebastian joined Liqui Moly as a junior export sales manager, where he underwent two years of intensive training. His hard work and dedication paid off when he was appointed CEO of Liqui Moly USA. At the start of his leadership, the company had just 10 employees and annual sales of $10 million. Over the span of eight years, Zelger successfully grew the business, expanding the team to over 70 professionals and increasing sales to more than $100 million annually. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Scott Cannon is the CEO of OC-based BigRentz, a leading procurement software company that solves long-standing challenges in construction by streamlining equipment procurement and improving logistics. The platform connects contractors to over 14,000 rental yards and 6,000 rental companies across the U.S., reducing inefficiencies in a traditionally fragmented industry. With BigRentz’s expansive network, 90% of job sites nationwide are reachable within 30 minutes, helping contractors optimize operations, cut transportation costs, and enhance project efficiency. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Curtis McCullom is a Human Potential Coach, Certified Clinical Hypnotherapist, speaker, and trainer with over 35 years of experience in self-improvement and personal development. As the CEO of the Curtis McCullom Group LLC, Bespoke Human Potential Coaching, Curtis helps individuals and entrepreneurs break through mindset blocks, increase income, and find fulfillment through his L.G.E.T. Mindset™ (Learning, Growing, Expanding, and Transforming) framework. Certified in hypnotherapy, Master Neuro Linguistic Programming (NLP), Master Mental Emotional Release ® (MER), and Executive Coach, Curtis integrates these modalities into his coaching programs to help clients achieve profound transformations in life and business. Passionate about empowering others to become the best version of themselves, Curtis is dedicated to teaching the principles of personal growth, transformation, and alignment with core values. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

For more than 25 years, Bill Wilhelm has played a pivotal role in helping shape R.D. Olson Construction to become one of the nation’s leading general contractors, commemorating 40 years in business this year. Under Wilhelm’s leadership, R.D. Olson Construction has earned an award-winning reputation across the Western U.S. and Hawaii for projects spanning hospitality, multi-unit, adaptive reuse, education and senior living. The firm has been repeatedly recognized by Engineering News-Record as a Top 400 Construction Company Nationwide and Top 40 General Contractor in California. Wilhelm has spearheaded some of R.D. Olson Construction’s most iconic projects and continues to cultivate the company’s nationwide reputation as a trusted, relationship-focused builder. Notable projects completed under his leadership include Lido House, Los Angeles’ NoMad Hotel, Irvine Spectrum Marriott, Paséa Hotel and Spa, Chapman University’s Reeves Hall and Atria Senior Living, among many others. Wilhelm’s hands-on leadership approach and forward-thinking industry expertise has made him a highly sought-after speaker for events such as The Lodging Conference and Bisnow. He also frequently contributes his insights to Forbes, The Wall Street Journal, GlobeSt, Construction Today, Hotel Business Magazine and other prominent business and commercial real estate publications. In addition to leading R.D. Olson Construction, Wilhelm has dedicated his career to giving back to the local community by volunteering, fundraising and building homes alongside his employees for Habitat for Humanity, Olive Crest, HomeAid, Pediatric Cancer Research Foundation and OC United. His team-oriented leadership and civic-minded approach has helped garner the company numerous awards and recognitions, including “The Olive Crest Leadership Award,” Orange County Business Journal’s “Best Places to Work” and OneOC’s “Civic 50” – a coveted list of the top 50 philanthropic companies in Orange County. In 2019, Wilhelm was recognized by Boy Scouts of America, Orange County Council, as a Men of Character Honoree. Wilhelm graduated from California State University, Long Beach with a bachelor’s degree in industrial engineering. He later went on to study at the University of Southern California, where he completed the university’s Management Development Program followed by Harvard University’s Executive Finance Program. He continues to strengthen the core of the company and attributes his leadership success to his ability to bring out the best in his associates, employees and project partners through a collaborative, team-oriented work environment. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Paul Brinkman has spent 15 years in management consulting, bringing expertise in Process Improvement, Cost Reduction, and Value Creation for his transportation consulting customers. Paul recently purchased Trans-Solutions, a business focused on strategic planning and execution for clients' Supply Chain needs, creating efficiency in modality and transportation, as well as leading carrier sourcing negotiations and operational optimization initiatives. In addition to his expertise in Supply Chain, Paul has also assisted customers with their Print, Mail & Packaging needs. This includes corrugated, non-corrugated and bottling solutions. Paul holds a Bachelor of Science, Business Administration from University of Southern California with an emphasis in Financial Analysis & Valuation. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Richard Cabrera is an Executive Vice President at Umpqua Bank and the Head of Commercial Banking for Arizona, California, Colorado, Idaho Nevada, Oregon, Utah and Washington. He has been with Umpqua since 2016 and leads the bank’s asset-based lending division, debt capital markets, and corporate banking operations. Under his leadership, the bank has expanded and growth the Commercial Banking division. Prior to his time at Umpqua, Cabrera worked for California Bank and Bank of America in a variety of leadership roles. A fourth-generation Californian with a lifelong affinity for numbers, Cabrera is dedicated to serving the vibrant business communities within California and Umpqua’s broader footprint. He is a graduate of San Diego State University. Cabrera and his wife, Karen, reside in Southern California. They have three adult children and two grandchildren. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Julie Keyes is a Business Consultant and Certified Exit Planner based in Central Minnesota. Her company, KeyeStrategies has worked with business owners of private companies since 2012. Julie’s been an entrepreneur herself for many years and has won numerous national awards for her work in exit planning. She a member of the Exit Planning Institute’s Leadership Council and faculty, as well as a contributor to its online Academy. She instructs business owners and advisors from across the country on topics related to exit planning and business transition readiness. Julie's speaking and teaching engagements for various professional organizations include but are not limited to: Exit Planning Institute, Independent Electrical Contractors Association, MN State Bar Association, MN Society of CPAs, NAIFA, Women in Insurance and Financial Services, Edward Jones, Financial Planners Association, National Association of Women Business Owners, RBC, Merrill, Independent Business Brokers Association, Lincoln Financial Services, Midwest Business Brokers and Intermediaries, LeClair Group, Principal Financial Group and Frost Bank. Julie’s also an author and podcaster. You can find the 2 nd Edition of her book “Poised for Exit” on Amazon and Barnes and Noble, and her podcast of the same name on Apple, Spotify, iHeart, and Google Podcasts. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Brett Buettner is the President of Buettner Insurance Agency, a full-spectrum employee benefits firm located in Orange County, California. Brett helps companies grow, maintain top talent, and reach their goals by providing boutique employee benefit solutions to his clients alongside HR technologies and compliance tools. He is a 3rd Generation broker, has been on the Board of OCAHU (now called CAHIP-Orange County), and is a select broker to be a part of carrier roundtables to participate in discussions centered around the insurance market, what clients want and need from the insurance carriers, and the future of healthcare. Buettner Insurance Agency, Inc. has been serving clients since 1992, and has achieved multiple excellence statuses with insurance carriers. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

David Bagga is the CEO of the David Bagga Company, founded in 2013. Since its inception, David has successfully placed over 600 candidates in medical device sales jobs and is ranked in the top 1% of sales recruiters across the U.S. on LinkedIn. David is the author of "A Millennial's Guide to Breaking into Medical Device Sales" and holds the title of the most recommended medical device sales recruiter on LinkedIn, with over 270 recommendations year-to-date. In addition to his recruitment work, he provides a 1:1 coaching program for candidates seeking to enter the medical device sales field and is currently developing a course, scheduled for release in 2025. Before his career in recruitment, Bagga played college basketball at the University of Arizona from 2005 to 2009. He went on to play professionally in the British Basketball League in England during the 2009-2010 season as part of FIBA. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Ajay Prasad, Founder and CEO of RepuGen (founded in 2016), is a healthcare marketing leader passionate about aligning online reviews with patient satisfaction. He recognized a critical gap – most healthcare providers' online reviews don't reflect their high internal satisfaction ratings. This disconnect hurts businesses, as over 80% of patients rely on online reviews when choosing a doctor. Ajay established RepuGen to bridge this gap, empowering healthcare providers to showcase their excellence and attract patients seeking top-notch care. Previously, Ajay founded GMR Web Team (2004), a thriving digital marketing agency for healthcare providers. Ajay believes patient satisfaction, stellar reviews, and a strong web presence are the cornerstones of a successful healthcare business. This philosophy guides his work at RepuGen, ensuring clients not only shine online but also prioritize patient experience. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Shane Silsby has 25 years of experience influencing strategic planning, public policy, organizational development, and the delivery of major infrastructure projects. His expansive career includes executive leadership roles in the private sector and with government agencies across the country, including his last public sector post as the Director of Orange County Public Works. As the current CEO of Silsby Strategic Advisors, he is now focused on helping public agencies develop creative solutions to complex challenges, including strategies around federal funding acquisition and implementation. Mr. Silsby holds a bachelor’s and master’s degree in civil engineering from Michigan State University, is a current member of the American Public Works Association national government affairs committee and has recently authored and published the book “Managing for Meteors: Preparing Local Government Leaders Before the Impact.” -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Angie Rowe serves as President and Chief Executive Officer of Beyond Blindness. Through their mission-focused programs, Beyond Blindness empowers children with visual impairments and other disabilities to achieve their fullest potential. Beyond Blindness envisions a world where all children, no matter their abilities are equipped to live full and rewarding lives. Angie is committed to the integrative and comprehensive Journey of Care provided by Beyond Blindness, giving families the security of knowing they will be with them throughout their child’s lifetime in whatever way they need or want them to be. Previously, Angie served as Chief Operating Officer and Chief Financial Officer of Global Genes, a rare disease patient advocacy organization. Angie believes in the power of collaboration and serves on the boards of several agencies in Orange County. She currently serves as treasurer and is a founding board member of CAABVI (California Agencies for the Blind and Visually Impaired), the Orange County regional representative and Treasurer of the board for CAPSES (California Private Special Education Schools), (OCDC) Orange County Disability Coalition, and is a member of OneOC's Non-Profit Advisory Board. She is also a graduate of the highly selective Octane OC Non-Profit Accelerator program. She is a past President of the Junior League of Orange County and through that found both her passion for nonprofit work and training and mentoring young women. She still actively volunteers as Chapter Advisor for Alpha Chi Omega’s Delta Psi Chapter at UC Santa Barbara as well as formally mentors Experian executives as part of Octane’s Women Leaders programming. Angie has a Master of Science in Public Policy and a Certificate in Industrial Systems Engineering from Georgia Institute of Technology and a Bachelor of Science in Environmental Resource Management from Penn State University. She has two grown sons, Colin and Brady, who reside together and are young professionals in Phoenix. She, her husband Bob, and rescue dog, Urbi are 25-year residents of Aliso Viejo, CA. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Mike Myers, is CEO, Southern Pacific at McCarthy Building Companies, Inc. A long-time McCarthy partner, Mike Myers became the Chief Executive Officer for the Southern Pacific region in 2024. In his role, he leads approximately 1,500 partners across four locations in Southern California and Nevada. His responsibilities include overseeing all operational functions that support sustainable growth and a comprehensive, client-focused approach to business. Under his leadership, the region has grown significantly, increasing service lines through enhanced preconstruction and construction services. Mike is known for driving a culture of ownership through his leadership, encouraging innovative thinking and ideas. An industry veteran, Mike has more than two decades of construction experience and a passion for giving back to the industry and community. Mike serves as a member of McCarthy Holdings’ executive committee and board. He also provides leadership to the Southern California’s Young Presidents’ Organization (YPO) and the Orange County American Heart Association Board. In addition, Mike sits on the CHOC Foundation Cabinet and is a long-time supporter of the American Heart Association, JSerra Catholic High School, ACE Mentor Program, and Flags of Valor organizations. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Bonni Pomush is the Chief Executive Officer of Working Wardrobes. With much joy, Bonni is committed to putting her strengths to work by being of service to the community. Bonni developed a great love and respect for research and data-based decision-making while earning her master’s degree in Family Resources and Human Development. Bonni brings over 25 years of leadership experience in government and non-profit agencies. Her research- and strengths-based leadership approach has resulted in the national accreditation of centers, turning around budgets from shortfalls to surpluses, and retaining high-quality employees by creating and implementing performance-based pay systems. In partnership with board members and volunteers, Bonni has secured over $6 million in capital campaign funds and $1 million from events and annual giving. Originally from the East Valley suburbs of Phoenix, AZ, Bonni administered programs for 15 years in government agencies (the Kyrene School District, Arizona State University, and the City of Chandler). After making the move to Orange County, CA in 2009, she joined the nonprofit world at Temple Beth El of South Orange County: The Samueli Center for Progressive Judaism. Following Founder and 31-year CEO (Chief Executive Officer) Jerri Rosen’s retirement, Bonni became Working Wardrobes’ second-ever CEO in January 2022 and has focused her leadership on modernizing and preparing Working Wardrobes to scale. Since her arrival, she has been nominated for several awards (LA Times 2023 & 2024 Orange County Inspirational Women, OC Business Journal’s Women in Business 2023) and was touted by the OC Register as one of Orange County’s Most Influential People in 2023. Bonni revels in creating and implementing strategic plans and sustainable systems, working with boards to accomplish a mission, developing and leading high-performing teams, engaging diverse stakeholders, and producing measurable results. When she’s not hard at work, Bonni can be found paddle-boarding, walking, playing mah-jongg, hitting balls on the tennis court, traveling, or enjoying quality time with family and friends. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

As a Soul Stylist & CEO of Style Awakenings, Amanda is the go-to expert in the fashion world helping CEOs, entrepreneurs, celebrities, TV show hosts and career professionals dress for and create their next level. Her approach reveals your inner essence of certainty, self-love, prosperity, and magnetism which is then recreated through style, with the end result being your authentic style expression to attract the success and lifestyle you want. Amanda Weil created “Style Awakenings” to help her clients find their inner authenticity and project it through their own unique style to create harmony, balance and a powerful connection between their inner being and exterior style. Her soulful styling process empowers her clients to access confidence and love for themselves, creating new passion, success and prosperity in their lives. Prior to becoming a stylist, Amanda spent 14 years in Corporate America in marketing and advertising. She began her career in advertising agencies planning traditional and digital media placement for movie releases for Sony Pictures as well as game and console launches for Sony PlayStation. She then shifted to the publisher side working as a senior executive for Yahoo!, Tremor Video and Sony Television managing clients such as Activision, Paramount and Honda/Acura. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Jeff Goldenhersh is the Founder & Chief Executive Officer of FindYourCrew, Inc. Jeff has deep experience in technology companies, building and managing teams, negotiation and capital allocation. After graduating from Washington University in St. Louis in 2011, he moved to China, where he became proficient in Mandarin. He returned to the United States to attend Stanford Law School, where he graduated with a J.D. in 2016. In 2021, following a legal career with a focus on private equity work that started at global powerhouse Skadden, Arps, Slate, Meagher & Flom, he moved to San Francisco to join PingPong Payments, a profitable fintech unicorn that did +$100M in annual revenue. At PingPong, Jeff became the general counsel of PingPong’s international business and served as a member of the global senior management team across the United States and Europe. He built and managed an 11-lawyer legal department operating on 3 continents covering over 100 countries, and helped build and supervise teams across the human resources and business development functions in the United States and Europe, where PingPong had more than 60 employees. Jeff left PingPong in early 2024 to start Crew. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Jessica Hubbard serves as the CEO of Casa Youth Shelter, a nonprofit located in Los Alamitos, California that serves children experiencing abuse, homelessness, sex trafficking, and/or suicidal ideation. Jessica has been working with youth for over 20 years and uses her own personal experience with abuse and neglect to let kids know they have the power to shape their own brighter futures. She has a Master's Degree in Educational Leadership and a Juris Doctor Degree with an emphasis in criminal law. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Breene Murphy is the president of Carbon Collective Investing, a climate focused investment advisor. They create sustainable investment portfolios for individuals and employer retirement plans. To support portfolios, Carbon Collective Investing has launched two investment funds on the Nasdaq Exchange in New York, a climate solutions equity ETF with the ticker CCSO and a short duration green bond fund with the ticker CCSB. They also launched ClimateSmart target date fund series. Breene has been on the advisory board for USC's Wrigley Institute for Environmental Studies on Catalina Island. Breene lives in Laguna Beach with his wife and two sons. He surfs regularly, including in Laguna's Annual Brook Street contest, and he loves great books! -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Chris Fitkin helps businesses build, grow, and monetize their technology. With 20 years of engineering leadership experience, he has honed his expertise in developing innovative solutions and leading successful teams. Throughout his career, Chris has served as head of engineering and CTO for VC-backed startups and enterprise scale engineering organizations, playing key roles in driving technological advancements and business growth. As a founding partner at MetaCTO, Chris focuses on mobile app development and fractional CTO services, helping non-technical business owners introduce technologies, including AI capabilities and proprietary tech, into their companies. MetaCTO provides seasoned technical expertise and strategic guidance, allowing startups to scale their technical capabilities up and down as needed. Chris and his co-founder, Garrett Fritz, have supported companies in raising over $50 million, achieving multiple 8 and 9-figure exits, and launching over 100 market-ready products. Outside of work, Chris is an ultramarathon runner, participating in the Catalina 50 mile footrace around the island every year. He also has three young kids and coaches youth soccer. He’s pretty busy 😂 Chris is dedicated to providing practical technology solutions and strategic guidance to help clients achieve their business goals. His passion for empowering startups and transforming ideas into scalable, market-ready products drives his commitment to excellence at MetaCTO. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Bradley Ketchel is the founder and CEO of Ketchel Axle Systems, a leader in the development of advanced electric axles for commercial and industrial vehicles. With a background in powertrain development and over 25 years of experience in the automotive industry, Bradley has been instrumental in pioneering sustainable transportation solutions. His dedication to innovation has led to the creation of the eRhino and eBadger electric axles, setting new standards in performance and efficiency. Bradley's visionary leadership continues to drive Ketchel Axle Systems towards a greener and more efficient future in mobility. When not spending time with his wife Melissa and their 5 children, Brad enjoys weightlifting, snowboarding, watersports, woodworking and most anything that poses a challenge. Bradley holds a BS in Mechanical Engineering from Western Michigan University, MS in Engineering Management from Penn State University, and holds 15 design patents in powertrain design. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Ena Hull is a TIGER 21 Chair for Newport Beach and an accomplished CEO/COO Executive, investor, and entrepreneur renowned for her leadership in highly regulated sectors such as private equity backed For-Profit Vocational Education, Higher Ed Technology, and Healthcare Workforce Development. With a career spanning over three decades, she excels in driving operational excellence and enhancing customer experiences through streamlined processes and leveraged technology. Most recently, she secured the coveted role of becoming a TIGER 21 Chair for Newport Beach where she curates a confidential space for ultra-high-net-worth individuals to share insights and navigate complex business and personal challenges associated with wealth creation. She also serves as an Executive Advisor to private equity firms and private investors whose portfolio companies focus on healthcare workforce development and education technology and she is also the Chair of the Higher Education Consumer Finance Council, leveraging her expertise in student finance, nursing education, M&A and higher education technology. Ena's extensive board experience includes tenures with Legacy Education Inc. and Unitek Learning, where she played integral roles in strategic growth and successful exits. Recognized as an Exceptional Women Awardee with the Exceptional Women Alliance Foundation and has been keynote speaker at various industry conferences discussing her thoughts on career education where she advocates for innovative pathways like micro-credentials and apprenticeships for career success. Her journey from financial aid administration to CEO/COO roles underscores her commitment to innovation and excellence in every facet of her career. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Sandy and Steven Lieberman, co-founders of the Artemis Defense Institute, combined their distinct passions and expertise to create a unique training institution. After their eldest child went to college in 2011, Sandy transitioned from her academic coaching business to focus on educating people in new ways. Meanwhile, Steven, dissatisfied with his corporate counsel role, sought to merge his lifelong passion for guns and hunting with his professional skills. They discovered a video-based simulation training system used by law enforcement and saw potential for civilian training. After a compelling demonstration in Arizona, they set up an introductory system at home, which received enthusiastic feedback from friends. This led to the establishment of their first training facility just three months later, equipped with advanced training systems. Steven's role in the Army JAG Corps and his private law practice specializing in use-of-force defense complemented the institute's mission. Together, they have built Artemis into a renowned training center known for its exceptional curriculum and commitment to legal compliance. Their dedication to education and firearm safety has attracted nationwide attention, fostering a close-knit community where clients feel like family. Sandy is the founder and CEO of Artemis Group Inc., while Steven serving as “counselor at arms” for the Artemis Defense Institute, oversees legal requirements and curriculum development. Both are also founding members of Orion Training Systems, ensuring that legal principles are integrated into their innovative virtual reality-based simulators. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Kristen Brunzell, owner of Mavericks Insurance Agency, is a local Southern California Female Minority Business Owner. Her agency provides individual and group supplemental insurance products, as well as partners with other like-minded small business owners. With over 20 years of experience in the insurance industry and a certification in life, accident, and health insurance from the California Department of Insurance, Kristen also strongly supports DEI and believes it’s not just a box to check. Kristen Brunzell’s passion lies in sharing her insights and guiding others to achieve their career goals and reach the next level of success. Kristen has the privilege of mentoring and coaching talented and motivated individuals committed to making the world of supplemental insurance easy to understand. Kristen specializes in new business development and employee benefits, leveraging strong social networking skills and relationships with brokers and clients. Additionally, she is dedicated to creating a work environment that fosters work-life balance, advancement opportunities, recognition, and financial security for her team and herself. In Kristen’s free time, she spends as much time as she can with her niece and nephews: twins Liam and Eila, age 7, and Beau, age 2. They are the light of her life and what motivates Kristen to get up and do her part to make the world a better place. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

As the founder and CEO of MarketingOps.com, Mike Rizzo leads a pioneering platform dedicated to empowering Marketing Operations professionals. He spearheads the MO Pros community, a vibrant network that has grown by over 110 members monthly since 2019. MarketingOps.com offers a comprehensive suite of resources and is the destination for current and aspiring Marketing Operations professionals to build careers through events like MOps-Apalooza, Summer Camp, and regional Local Chapters. The MO Pros community on Slack is central to the offerings, complemented by a rich media suite with the Ops Cast podcast, community-led blog, and Martech solution demos. MarketingOps.com also provides templates, frameworks, and cutting-edge industry research. Mike’s professional experience before founding MarketingOps.com spans a broad range of Marketing Operations, Martech, Growth Marketing, and Community-Building. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Tony Everett is a dedicated change-maker passionate about helping individuals unlock their full potential. With a career rooted in empowering others, Tony's journey is marked by a commitment to fostering growth and development in various arenas. In 2009, Tony founded PureGame, a nonprofit organization that has transformed the lives of countless young individuals. Through a life and leadership skills program that utilizes sports as a platform to engage and inspire, Tony's innovative approach has given these kids the tools and confidence to succeed, leaving a lasting impact. Building on his success with PureGame, Tony launched My Personal Best Coaching, a program designed to assist business professionals who feel stuck and seek clarity of purpose and meaning. Through personalized coaching, Tony helps individuals break through barriers and achieve their best selves. This year, Tony joined Driven Leadership as the Director of Business Development, bringing his expertise in leadership training to the forefront. At Driven Leadership, Tony is instrumental in crafting impactful strategies that propel the organization and its clients forward. Tony's "why" is deeply rooted in the belief that everyone is here for a reason, though many remain unattached and unengaged. His mission is to help people believe in themselves so they can step boldly into their brilliance. Outside of his professional endeavors, Tony has been a dedicated youth soccer coach for 20 years. This commitment further demonstrates his belief in the power of guidance and mentorship, instilling hope and reassurance in the next generation. Tony Everett's'multifaceted career reflects his unwavering dedication to empowering individuals and fostering a culture of curiosity, passion, and purpose. His work continues to make a significant difference in the lives of many, inspiring them to embrace their potential and achieve greatness. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Chris Simonsen is the Chief Executive Officer of the Orangewood Foundation. Chris started his professional career in various finance roles, from an accountant in a large accounting firm to CFO of Auto Club. Chris joined Orangewood in 2007 as the CFO and was promoted to CEO in 2014. Chris loves that the Orangewood Foundation has a wide variety of programs that support youth in making improvements in their life. “Seeing a smile on a youth’s face after one of their success, no matter how large or small, it is always rewarding.” Chris loves music. He has seen his favorite band, Metallica, over 20 times. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

With over 20 years of experience in digital marketing, product leadership, and business transformation, Alex Scoble of Westlake Media Labs helps mid-market companies achieve exponential growth and ROI through fractional growth and performance marketing consulting and strategic advisory roles. Alex's background includes revamping VC Firms' operational structures, securing a monumental 13x revenue surge for PE properties, and orchestrating a notable $4MM YoY boost for an outdoor enterprise. Alex is also known to have collaborated with a leading multi-billion-dollar entity, catalyzing its valuation to $3 billion in 13 months. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Denice Hinden is the founder of Managance Coaching. Denice’s mission is guiding the experience and performance of senior leaders in nonprofit organizations and professional associations to more fulfillment and reward. Her clients are primarily executives, senior leaders, middle managers, and emerging leaders who work for social justice through developing affordable housing or supporting individuals with developmental disabilities to live meaningful lives as independently as possible. When these leaders fully tap into their change agent strengths, their organizations and teams elevate their mission delivery. Denice catalyzes healthy, positive leadership mindsets and organizational cultures with neuroscience-based coaching techniques, inclusive leadership practices, and transforming conversations. Before consulting and coaching, Denice had an impactful 17-year career in nonprofit and public management, serving as program associate to executive director in children, youth, family service, and community development organizations. She enjoys living in Southern California with her business partner and husband, Larry, and their fur babies, Mercury and Blu Moon. Denice is a graduate of the University of Pittsburgh, Nova Southeastern University, and Florida International University where she earned her Ph.D., She is a Master Certified Coach through the International Coach Federation. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Garnet Heraman is a serial entrepreneur and investor with 25 years experience at the intersection of innovation + technology. Originally from the island nation of Trinidad & Tobago, he was educated at Columbia University (BA), NYU (MBA) and The London School of Economics. As a dotcom entrepreneur Garnet has had 3 exits, 1 of which was to a publicly traded company. As an investor, he is co-founder and managing partner of Aperture® Venture Capital, a seed stage fintech fund backed by 7 different Fortune 500 corporations. He is also an LP in several other VC funds such as NY InsurTech Fund II and the Berkeley Skydeck Fund. Garnet is highly sought after as a startup technology expert, appearing in over 30 business publications and at events on 5 continents. He is currently finishing his first book, due out in early 2025. Garnet lives in Monarch Beach, CA with his wife and one very spoiled rescue dog. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Delarman Technologies specializes in providing IT services, cybersecurity training and testing, custom application development, and much more, all while maintaining budgets companies can accommodate. Their mission is to become your technology partner and consultant for development, offering a prestige level of white glove service. Specializing in hospitality groups with exclusive memberships, Delarman educates and brings concepts to life while maintaining simple systems to ensure smooth operations. Founder of Delarman Technologies Safa Movassaghi is an entrepreneur and board member with over 31 years of experience in technology, providing full service and support to clients. Safa is passionate about ensuring businesses become more successful and generate revenue using technology. Enjoying security and advanced technology, Safa has designed and patented security products. Safa is proud to have created a family business and watched it grow into an enterprise for the next generation. Arman Movassaghi is the Vice President of Operations for Delarman Technologies. His mission is to create and implement seamless systems into businesses, allowing technology to become their biggest asset. In his role, Arman provides IT services for small to large organizations with the highest level of service to ensure a 100% operational business. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Stephan Erkelens leads RevHubOC as President, CEO, and co-founder, drawing on over 40 years of experience in launching and expanding businesses, social enterprises, and nonprofits. His journey began from a desire to infuse purpose into business practices within a predominantly capitalist landscape. Stephan envisioned creating sustainable revenue streams for social impact organizations, transforming them from traditional nonprofits. In the US, he recognized a gap between social innovators solving global challenges and entrepreneurs mastering scalable business models. Stephan's expertise spans launching and scaling diverse ventures across industries, backed by deep insights in investment, finance, and banking. He has a track record of driving mergers and strategic partnerships, leveraging his cross-cultural fluency and global influence. Stephan's background includes extensive involvement in nonprofit management and large-scale fundraising, complemented by board roles spanning Central America, South America, and the US. With a focus on philanthro-capitalism, Stephan has pioneered initiatives merging for-profit ventures to bolster nonprofit sustainability. Since founding RevHub in 2019, he has dedicated himself to addressing critical industry challenges in Orange County through innovative programs and enterprises. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Michelle Barto is the founder and creative director of Launch Creative, LLC a digital marketing firm focused on helping mission-driven companies grow their brand. She is passionate about innovation, good writing and design, and using data to guide marketing decisions. Founded in 2011, Launch Creative has helped hundreds of clients tell their brand story via their website and share their message with digital marketing and PR. Michelle has a B.S. in Business Administration and a B.S. in Computer Information Science from Franciscan University of Steubenville. Michelle sits on the board of the Newport-Mesa Unified School District, Coastline Regional Occupation Program, Pretend City Children’s Museum, Orange County School Board’s Association, Harbor Council PTA, National Charity League Newport Chapter, and Balboa Bay Club Board of Governors. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Kayla Bartel is the co-founder and CEO of Humanity HR Consulting. As a California Certified HR Professional (PHR-CA) with 20 years of corporate experience and consulting for PEO clients; striking out on her own was a dream realized for Kayla. With experience in varying industries including hospitality, food & beverage, environmental, tech, aerospace, non-profits and beyond, she's learned the most important thing in business are the relationships that develop and thrive. Building long-lasting relationships with her clients is what she loves the most about her role at Humanity HR. In her spare time, Kayla enjoys exploring sunny Southern California with her family. She loves to build and lead teams and her purpose in life is to guide organizations in building positive work environments. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Jim Madrid is an author, a world-renowned presenter, educator. He embarked on his professional journey at Nordstrom, starting as a shoe stocker at a tender age of 15. Over time, he has evolved into a widely respected thought leader, driven by the empowering belief that "Anything Is Possible." His profound curiosity about the nexus between the mind and performance led him to pen the acclaimed Amazon bestseller, "Get Over It and Get On With It,” which has earned a stellar five-star rating. His newest book, “It’s All About Mindset” is due out this winter. Jim's indomitable mindset proved instrumental in triumphing over formidable adversaries, including stage 4 pancreatic and lung cancer, conquered within a mere year and a half. Beyond his literary accomplishments, Madrid serves as a corporate coach for Fortune 500 companies, imparting invaluable insights to executives and teams alike. He played a pivotal role in crafting the online curriculum "Win Forever" for Pete Carroll, the esteemed former coach of the Seattle Seahawks, showcasing his expertise in fostering excellence. Moreover, Madrid's impact extends to the realm of professional sports, where he collaborates with athletes in the NFL, MLS, and NBA, guiding them towards peak performance. Currently, Jim Madrid holds a prestigious position on TCU’s Chancellor's Advisory Council, contributing his visionary perspectives to the university's strategic initiatives. Jim is the CEO/Founder of Advance Sports Technology, a world-class mental fitness group and Co-Founder of Madrid Partners, enhancing corporate cultures by his process of personal professional and organizational development. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

Hoda Mehr is CEO of Products That Count, a Silicon Valley-based nonprofit with the mission to help everyone build great products and a growing community of 500k+ product managers and leaders. She joined the company to grow and shape its next chapter by enabling Fortune 1000 companies to turn their product teams into a long-lasting competitive advantage through a full suite of upskilling and training programs. Hoda is also the founder of Stock Card, an award-winning fintech platform that removes noise from fundamental investment research for individual investors with over 80K members. Before her founder experience, Hoda worked on bringing several multi-million software products to market across multiple big tech companies. Hoda has lived and worked in several countries and cultures, including the Middle East, Canada, and the U.S. She is an Economist, has an MBA from the John Molson School of Business, and lives in Southern California. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com.