Bite Sized Finance

Join me today as I sit down with Roger Dreyer, the esteemed attorney whose lineage and legal prowess form the spine of this riveting edition of Bite Size Finance. Discover the heroic tales of Roger's father—a nimble navigator and bombardier during World War II—whose experiences in the skies and struggles as a POW shaped the ethos that Roger carries into his own battles for justice. Our conversation traverses the landscape of Roger's influential cases, shedding light on how his pursuit for accountability in the face of corporate giants like Ford and Nissan has led to industry-wide safety transformations and policy reforms. Witness the personal side of the law as Roger reveals the profound impact his father's service and advice had on his career trajectory. From his teenage years through the halls of UC Davis and Hastings, the spirit of the Greatest Generation is a guiding force for Roger, propelling him to affect change through the legal system. The ebbs and flows of his journey, marked by high-stakes litigation and the relentless quest for client justice, emphasize the human element that resides at the heart of legal advocacy—a sentiment no artificial intelligence can replicate. As the episode draws to a close, we honor the solemn rituals that commemorate a veteran's service to their country. You'll hear an intimate recollection of Roger's father's military funeral at Arlington National Cemetery, a moment steeped in gratitude and reflection on a life well-served. This narrative not only serves as a tribute to those who have worn the uniform but also as a reminder of the imperishable influence of the rule of law and the importance of upholding justice in an ever-evolving world. To learn more about Roger's firm, Dreyer, Babich, Buccola, Wood , Campora visit www.dbbwc.com For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

Join me as I talk with the owner of 10 million square feet of commercial property, Ethan Conrad. Listen intently as he takes us behind the scenes of his remarkable journey amassing a real estate empire valued at a staggering $1.6 billion. Hear how Ethan challenges the prevailing narrative about the decline of retail spaces, providing compelling evidence to the contrary. With vacancy rates lower than those for office spaces, Ethan's insights reveal a dynamic and evolving retail landscape, ripe with opportunities for the discerning investor. Transitioning from theory to personal narrative, Ethan takes us on a trek through the intersection of sales expertise and commercial real estate prowess. He reflects on how early career experiences, from internships to navigating the 'bro culture' of Bishop Hawk, laid the groundwork for entrepreneurial success. Our dialogue uncovers the essential sales skills that translate into real estate acumen—empathy, audience awareness, and knowing the fine balance between persuasion and patience. The conversation continues as we celebrate the milestones and calculated risks that transform the ambitious into property moguls. Peering into the crystal ball of commercial real estate, we'll unpack some of the sector's potential trajectories. My conversation with Ethan offers an educated forecast on the office space recovery where many find enhanced productivity away from home distractions. Furthermore, we touch upon the subtle art of maintaining a competitive edge through strategic rent offerings, emphasizing Ethan's commitment to community improvement through thoughtful property development. Ethan Conrad Properties are not only good neighbors but they enrich the communities in which they reside, increase surrounding property values and generate favorable and positive feedback from many in the shadow of his holdings. For more information about Ethan Conrad Properties visit www.ehtanconradprop.com For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

When Anne Rosenthal, the managing shareholder of Drobny Law, speaks about estate tax law, it's impossible not to get engrossed in the conversation. Her journey from the Midwest to Sacramento's estate planning elite is not just a story of geographic change but a testament to her dedication in helping families circumnavigate the looming complexities of wealth protection. This episode is an essential listen as Anne illuminates the stark realities of the forthcoming estate tax exemptions slated for 2026. With the threshold set to drop, more families—and not just those in high-value states like California—are poised to experience significant financial impacts. Tax planning seems like a daunting task, but she'll break down the process with precision and clarity. She underscores the critical nature of proactive steps, such as securing powers of attorney and healthcare directives once you hit adulthood. The advice doesn't stop there; whether you're starting a family or running a family business, Anne's insights on navigating the tax landscape in light of the 2025 amendments are invaluable. She also delves into the specific challenges faced by those in second marriages, ensuring that all loved ones are provided for without unintended oversights, like outdated beneficiary designations that can lead to ex-spouses accidentally inheriting assets. Finally, Anne addresses a more somber topic—the financial exploitation of the vulnerable. She champions the role of fiduciaries to protect those who may not be able to protect themselves and cautions listeners on the importance of making these decisions early. With a practical approach, she provides listeners with strategies for maximizing exemptions and deftly managing asset transfers before the estate tax changes take effect. Anne Rosenthal's expertise in estate tax law is a necessary episode if the law impacts you or your loved ones. Providing a comprehensive guidebook to safeguard your legacy in these unpredictable times is absolutely necessary. For more information about Drobny Law visit: www.drobnylaw.com or call 916-419-2100 For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

When Mike Pereira steps into a room—or onto a field—stories and wisdom seem to follow him like a shadow on a sunny day. In our latest episode, this Stockton native, who's traversed an incredible path from NFL official to Fox Sports commentator, doesn't just share his journey; he lets us in on the intimate pivots and touchdowns of a life dedicated to the love of the game. As he discusses the warm camaraderie of his broadcasting team and his recovery from back surgery, you'll feel the strength of the sports community and the genuine excitement for what the future holds, including working with famed quarterback Tom Brady. Discovering one's passion can often come from the most unexpected of places, and for Mike, it was the reluctant step into his father's officiating shoes that revealed his true calling. This episode reveals Mike's early reluctance, the transformative power of taking that first whistle, and the ripple effect that passion can have across a lifetime. His candid recounting of financial struggles and serendipitous opportunities serves as a reminder that sometimes our greatest achievements are waiting just beyond the horizon of our comfort zones. Lastly, Mike's legacy, which stretches far beyond the end zones and playbooks is Battlefields to Ballfields. A testament to his commitment to giving back, providing veterans with a renewed sense of community through the world of sports officiating. Mike's dedication to honoring service members and supporting them in their transition to civilian life is as moving as it is impactful, demonstrating that the true measure of a person's career is not in the titles they've held, but in the lives they've touched. This is surely one uncommon trajectory to the highest and most respected commentary on the game in play when it comes to the rules and the on-field calls. To learn more about Mike's Battlefields to Ballfields visit www.battlefields2ballfields.org For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

When the entrepreneurial spark meets a commitment to education, you get Billy Downing's remarkable story. Join me, Kelly Brothers, in the conversation with Billy, the founder and CEO of ESM, as he takes us on a journey through his Sacramento upbringing and into the heart of his mission where "Every Student Matters". His unique blend of an immigrant's resilience and a businessman’s acumen shines through as we discuss the inception of his academic tutoring and college coaching enterprise. Inspired by his mother's grit and his father's business smarts, Billy's tale is one of perseverance and the pursuit of an innovative educational vision. We'll hear struggles and triumphs of launching the business, as Billy recounts his early challenges, the mentorship from investor Steve Mills, and a brush with the maligned Rick Singer of the college prep scandal. This is an inspiring and eye-opening episode. To learn more about ESM Prep, visit www.esmprep.com For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

Join me, Kelly Brothers, on a fascinating journey through the life and adventures of Taro Arai, the Chief Dreaming Officer of Mikuni Sushi. Listen in as Taro recounts his unconventional path from Japan to Sacramento, painting a vivid picture of the cultural challenges and personal aspirations that propelled him to leave his homeland. His narrative is a testament to resilience and optimism, from funding his American dream through a childhood newspaper route to the entire family working tirelessly upon their arrival in the States. Taro's story is an inspiration for anyone who has ever dared to dream big. Venture into the world of entrepreneurship as we chat about the inception and evolution of Mikuni Sushi. Taro shares how his father's leap of faith, coupled with a miraculous investment, set the stage for their family business. Humorous tales of their early days, such as his mother's slow home cooking style and Taro's own rookie bookkeeping, illustrate the unexpected triumphs and trials of their restaurant. Hear about Taro's creative spirit leading to a secret menu that's a hit with customers and the valuable lessons learned from rapid expansion and economic downturns. We'll close with an insightful look at how personal growth and community engagement go hand in hand. Taro discusses the joys of spreading happiness through social media, the delicate balance of involving family in business, and the importance of guiding the next generation. This is a heartwarming and educational conversation that underscores the significance of perseverance, community, and the relentless pursuit of dreams. You can find Taro's restaurants on the website www.mikunisushi.com For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

As a kid, I remember my parents' stories about leaving Ireland with little more than hope for a better future, and the importance they placed on educating us, their children. That tenacity and foresight is the spirit behind today's conversation where we'll navigate the twists and turns of retirement planning, a journey that's become an individual responsibility in today's society. It's a path littered with "what ifs" and complex choices, from deciding when to retire to dealing with potential wealth taxes. From my family's immigrant journey to advising young doctors on avoiding the seductive trap of lifestyle inflation, we'll cover some of the emotional and financial implications of life's big decisions. We'll also touch on estate tax law changes set to shake up financial planning for many, underscoring why getting ahead of these shifts is crucial for securing your legacy. And as you contemplate your own financial voyage, I'll share insights into the key traits to seek in a financial advisor, ensuring you have a co-captain who's as invested in reaching your destinations as you are. For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

Restaurant entrepreneur "Chando" Madrigal knows first hand "not everything you touch turns to gold". The Pandemic was not as rough on his business as others as you'll hear him tell it and he has doubled down and actually opened up new locations as the opportunity has presented itself. A fascinating story playing out as we speak, the expansion of his restaurants into other states reinforces that American Dream for those willing to manage the risk. For more information visit www.chandostacos.com. For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

Kelly's guest has an outstanding story of how identifying a niche in what could be a recession proof business led to "Reviver", the first mass produced and marketed digital license plate. We've all thought about what a great idea it would be and wondered why it hadn't been done before. You'll hear the tale of patience and fortitude it took to work with the bureaucracy to make it happen over years of persistence. The states of California and Arizona would be the first to adopt the plate with Texas, Florida and others close behind. Neville Boston shares his story of process and procedure in dealing with state government and getting funding to bring his dream to fruition, as well as some of the challenges being an African American entrepreneur. Find more at www.reviver.com. For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

Kelly's guests are the daughters of Biba Caggiano, Paola and Carla. They candidly discuss the difficulty of keeping Biba's restaurant in downtown Sacramento open after she had passed. More importantly, are some of the stories shared and memories made at the iconic Sacramento eatery established by an immigrant woman with a passion for cooking. How she built the restaurant, the following, the novelty and the personality were uniquely Biba. Books, TV shows and the ensuing success never caused her to waiver on the quality and personal relationship she had with the patrons, guests and friends of the restaurant. A truly heartwarming story full of memories and even some surprises you may not have been aware of. For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

The ability to tell stories is one of the most admired skills. Stories engage and influence. They elicit emotion and therefore can be an incredible tool for business of all types. In this episode, your host, Kelly Brothers, has a fascinating conversation with Tom Rinaldi of Fox Sports. Tom is known as one of the best storytellers and likely the best storyteller in sports. Not only will he have you moved by the end of the discussion, he literally gives a clinic on how it's done. This is a rare opportunity to both be entertained and educated by a master at his craft. For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

If you've been around Sacramento any length of time you've certainly experienced one of the many Paragary's restaurants in town. Iconic to be sure but with nearly 6 decades of entertainment and hospitality under his belt, Randy shows no sign of slowing down and, in fact, is just about to put the finishing touches on his crown jewel in the chain; Fort Sutter Hotel. Hear stories from the beginning of his career as he shares and reminisces with Kelly in today's episode. For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

This very special edition is going to shed some light on the necessary moves you're going to want to make in the next couple of months, mostly year end, to best protect yourself from unwanted taxes in 2020. Laws have changed, the outlook for taxes is that they are likely rising and to best protect you, your family and your assets from unnecessary tax burdens or payments, this episode is a must listen. For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

Join your host, Kelly Brothers as he is accompanied by Doug Wagemann of Cochrane & Wagemann Funeral Directors to talk about the business of death. You’ll hear from a guest who has spent much of his lifetime helping families navigate the most difficult days of their lives – the loss of a family member. Learn also how funeral homes are currently operating during the pandemic, some peculiar traditions, and how the business of death will change over the coming years. For more information, visit www.cochranewagemann.com For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

Join Kelly as he and Mark Drobny of Drobny Law Offices, as they discuss the necessary steps to take today, before the end of the year to ensure your tax and trust documents are where they need to be. You'll hear relevant stories and action items to consider in the event of a Biden victory as well as, a little history on how we got to our current estate tax process and the significance of updating your trust if it was done prior to 2013. This is a big concern. For more information, visit www.drobnylaw.com. For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

Ghost Kitchens. Could they help save the restaurant scene in Sacramento? Join the conversation as your host Kelly Brothers speaks with Adam Pechal of Tiger Restaurant and Ghost Kitchen. Hear the impact the virus, the heat and the smoke are having on local restaurants and how some will fail, yet others find opportunity in crisis. If you believe restaurants are part of the community, you'll enjoy your time spent with this discussion. For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/

Welcome to the inaugural episode of BiSiFi, Bite Sized Finance. On this very first episode, join your host, Kelly Brothers as he speaks with Francine Vorhees, a Partner at Moss Adams and specialist in all things “leaving the State of California”. California has been home to many for decades, but several factors are driving Californians out of the golden state. Find out why, where folk are headed and how to do it properly, if you must. Listen as Kelly and Francine discuss what it takes to leave California, and why or why not this may be the right decision for you and your family. You may be surprised at some of the answers to those things you thought so many others were getting away with…but may not be. For more information on what we provide at Captrust visit www.captrust.com. You can contact me, Kelly Brothers, through the show at: [email protected] To reach me at Captrust visit www.captrust.com/locations/sacramento-ca/