40 Influencers Under 40 October2021

UNDER

INFLUENCERS

Editor’s Desk

Impacting Through Influence

Iamsureyouallhavecomeacrossnumerousbooks,

courses,andessaysthattalkaboutleadership.Theone evidentthingthatcameoutfromallthesesourcesis thatleadershiphasgotnothingtodowithtitles.

HavingaC-leveltitlemightmakeyouagoodmanagerbut doesn’tnecessarilymakeyouagreatleader.

Forinstance,ifyouareinamanagerialpositionandare guidingyourteamtowardssuccessfullyachievingtheir designatedtargets,youmightberegardedasagood manager.But,ifyouencourageyourteamtogoaboveand beyond,notonlytocompletetheirtargetsbutalsoto transcendbeyondtheircapabilities,thenyouwillbeknown asasoundleader.

Ibelievethatyoudon’tneedanytitletolead.Ifyouare walkingalongwithyourteamandiftheyarelookingupto youandtrustingyoutoguidethemtowardstheirdesired goals,youhavemarkedyourselfasagreatleader

Undoubtedly,thedefinitionofleadershiphasevolved throughtheages.Theapproachandmindsetthatusedto workearlierwon’tbeeffectiveintoday’smodernworld.

Today,influenceisthekeyingredientthatseparates successfulleadersfromtheherd.

WhydopeopleseeleaderssuchasElonMusk,Sundar Pichai,JeffBezos,etc.,astheirrolemodels?Becausethey leadbyexample.Theycreatedapictureofwhatispossible. Itiscertainlytheirinfluence,actions,andachievementsthat

inspireotherstotakeanuntraveledroadandcreatea landmarkoftheirown.

Influentialleadershipisallaboutmakingpeople believeinyoubygainingtheirconfidenceandtrust. Itultimatelycreatesaculturewhereeveryoneis motivatedtobringtheirbesttothetable.

Inthiseditionof “40 Influencers Under 40”,we havecompiledalistofinfluentialleaderswhoare settinganexampleforemergingleadersand entrepreneursbybeingpassionate,engaging, trustworthy,anddemonstratingintegrity

Let’sunveilmorealikeandinspiringstoriesofsuch influentialleadersandspreadthewordabouttheir contributiontomakingthisworldabetterplace.

Lastly,youmightcomeacrossthearticleswrittenby ourin-houseeditorialteamandCxOstandpointsof someoftheleadingindustryexpertstohavethe know-howaboutdifferentindustries.Makesureto scrollthroughthem,whileflippingthroughthe pages,

Let’sgetonboard!

Precious Leadership

The Relevance Of Collaborative Ecosystems in The New Competitive Payments Market: The Experience Of The Italian Financial Community With CBI

Digital Life

Want Digital Transformation? Start by Changing Minds

Leader’s Viewpoint

When Construction Meets AI

Rethinking Traditional Training: The Forgetful Curve

Nick Greenfield

Promoting Wellbeing of People by Redefining Oral Health Using Modern Technology

The Ambitious Trail-Blazing Change-Maker 88

Philippa Dods

Rogayeh Tabrizi

Leading Complex Science with Artful Simplicity 92

Shivani Pillay Empowering Women to Step Up

Managing

David,

Business

Steve,

SME-SMO

Circulation

FeaturedPerson

CompanyName

AdamCmejla President

AliyaMohamed HeadOfPublicAffairs

AndrewCarnes VPofEconomic Development

AssafBenOr Founder&CEO

IntegratedPlanning& WealthManagement LLC integratedpwm.com

TransLink translink.ca

PartnershipGwinnett partnership gwinnett.com

Greeneum greeneum.net

AudieChapman QualityEngineer

BristolMetal brismet.com

IPWMsubscribetoacoresetofinvestmentprinciples,largely dictatedbythegreatempiricalresearchdoneinbothacademia andatDFA.

TransLinkbringsthepeopleandplacesofMetroVancouver together

PartnershipGwinnettisapublic-privateinitiativededicatedto bringingnewjobsandcapitalinvestmenttoGwinnettCounty, Georgia.

Greeneumisadecentralizedplatformandmarketplaceforlocal energymanagementthatsupportsyoutobecomeenergy independentandwithnofossilandzeroemissions.

BRISMEThasbeenanindustryleaderinstainless,duplex, superduplex,6moly,nickelalloyandtitaniumweldedsteel pipemanufacture.

CharlotteCain HRManager

DakotaHendrickson Co-Founder&CEO

DannySava DivisionVicePresident

DustinTenBroeck President

Continent8 Technologies continent8.com

Filti filti.com

JacobsTechnology jacobs.com

Continent8Technologiesistheworld’slargestiGamingdata centerandglobalnetworksolutionsprovider.

Filtidistributeshigh-qualityHVACfilters,facemasks,and respirators.

JacobsTechnologydeliverimpactfulglobalsolutionsfrom intelligencetoinfrastructure,cybersecuritytospace exploration.

PresidioCapital Management presidiocm.com

EmilyMarburger Mayor BoroughofBellevue bellevuepa.org

PresidioCapitalManagementisanindependentwealth managementfirm.

TheTownofBellevuewasfirstincorporatedin1867whenthe CommonwealthofPennsylvaniagrantedatractoflandcalled SidneyBottomtoHughH.BrackenridgeofPittsburghandan adjoiningtract,calledSandyBottomtoJamesRobinsonof AlleghenyTown.

FeaturedPerson

CompanyName

GarrettTaylor ManagingPartner

JamesHubbard President

JamieBosse FinancialPlanner

JaredTanimoto President

CoastlineWealth Management coastlinewealth.com

JacksonvilleEconomic Development Corporation jacksonvilletxedc.com

AspyreWealthPartners aspyrewealth.com

AscentWealthAdvisors ascentwealth advisors.com

JasonKrein TaxPartner

RSMUSLLP rsmus.com

CoastlineWealthManagementbelievesinbuildingpersonal relationshipstolayastrongadvisoryfoundationina collaborativeway.

TheJacksonvilleEconomicDevelopmentCorporation (JEDCO)existstoservetheneedsofexistingbusinessesandto attractnewinvestment.

AspyreWealthPartnershelpsuccessfulbusinesspeopleto MasterWhat’sNext®-intheircareer,lifeandfinances.

AscentWealthAdvisorsLLCisanIndependentRegistered InvestmentAdvisorofferingfinancialplanningandwealth managementservices.

RSMistheleadingproviderofaudit,taxandconsulting servicestothemiddlemarket.

JesseStowell Principal

PARKER|PHOENIXPR parkerphoenixpr.com

Parker|PhoenixPRdevelopsandexecutesstrategiccampaigns thatinterfacewithconsumers,influencersandthemedia.

JoeDeobald Founder

FullFrameMarketing fullframemarketing.com

JoelRicher NationalHealth &SafetyLeader EmcoCorporation emcoltd.com

JoshuaNoonan GeneralManager

Ka'NedaBullock PresidentandFounder

C.H.Robinson chrobinson.com

MasterPlan InvestmentGroup masterplaninvestment group.com

FullFrameisacompletebrandingandmarketingagencybased inVancouver,BC.

EMCOoffersproductsinthedistinctcategoriesofplumbing, waterworks,industrialandHVAC.

C.H.Robinsonsolveslogisticsproblemsforcompaniesacross theglobeandacrossindustries.

MasterPlanInvestmentGroupisacomprehensiveWealth ManagementandRetirementPlanAdvisoryfirm.

FeaturedPerson

KaylaRussell PracticeandBusiness ServicesManager

LindseyBell TitleChiefMarkets &MoneyStrategist

LindseyCooksen Founder,Managing Director

LouwBarnardt Co-founder

CompanyName

PalfreymanChartered Accountants palfreyman.com.au

PalfreymanCharteredAccountantsaimstoprovideyouwith advicewhenyourbusinessneedsit–notjustwhenyouaskfor it.

MagalyGomez Partner

MaiYang ManagingPartner

MannyHernandez VP

MauricioOlaiz AssociateBroker

MelissaPerlman Founder&President

MykeCelis

GlobalMaster Coach–CEO

AllyInvest ally.com

CooksenWealth cooksenwealth.com

OutsourceCFO ocfo.com

Vaco vaco.com

GreenwaldWealth Management gwm.life

QueclinkWireless SolutionsLtd queclink.com

Lee&Associates Pasadena,Inc. lee-associates.com

BlueIvy Communications blueivy.co

BestMeEver ProfessionalCoaching Training& DevelopmentServices bestmeever.com

AllyFinancialInc.isaleadingdigitalfinancialservices company.

CooksenWealthisaboutiqueindependentfinancialadvisory firmservingaffluentfamilies.

OutsourceCFObuildsworld-classfinancefunctionsforscaling companies.

Vacodeliverscriticaltalentsolutionstocompaniesintheareas ofconsulting,projectresources,executivesearch,directhire andstrategicstaffing.

GreenwaldWealthManagementhelpsphysiciansmanagetheir financessotheycanfocusontheirpatients.

QueclinkWirelessSolutionsempowersbusinessesworldwide bydesigningoriginalIoTsolutions.

Lee&Associatesoffersanarrayofrealestateservicestailored tomeettheneedsofthecompany’sclients,including commercialrealestatebrokerage,integratedservices,and constructionservices.

BlueIvyCommunicationsisaboutiquecommunicationsand publicrelationsagency

BestMeEverProfessionalCoaching,Training&Development Servicesfocusesonhelpingindividualsandcompaniesbecome self-actualizedastheybecomeempoweredfromwithin.

FeaturedPerson

CompanyName

NickGreenfield CEO

Candid candidco.com

PhilippaDods HeadofMarketing Meltwater meltwater.com

Candideliminatesbarrierstoorthodontictreatmentand providingthehigheststandardofcare,weempowerpeopleto changetheirlives.

Meltwateristheworld'sfirstonlinemediamonitoring company

RogayehTabrizi FounderandCEO

SabreenaBraich CFO

ShaunGibbs ExecutiveDirector

Theory+Practice tap.work

OperationEyesight Universal operationeyesight.com

SouthCoast Development Council,Inc. scdcinc.org

ShivaniPillay Managingdirector WickedDips planit.za.net

SteffiHafen Partner

Snell&Wilmer swlaw.com

Theory+Practice™focusesonfindingimmediate,actionable insightswithasharpviewoftheclient’sdataassets.

OperationEyesightinvestsinsustainabletreatment,blindness preventionandcommunitydevelopmentactivitiestoaddress specificproblemsaswellastherootcausesofavoidable blindness.

TheSouthCoastDevelopmentCouncil,Inc.isa501(c)3 privatenon-profit,economicdevelopmentorganization.

WickedDipsismissionedistobeahouseholdnameinthe motorindustry.

Snell&Wilmerisafull-servicebusinesslawfirm.

StelianDamu Partner MossAdams mossadams.com

ZacharyBouck ManagingPrincipal& ChiefInvestmentOfficer

DenverWealth Management denverwealth management.com

ZacharyGarber VicePresident AlexBrown alexbrown.com

MossAdamsisafullyintegratedprofessionalservicesfirm.

DenverWealthManagementisalocal,full-servicewealth managementfirm.

Alex.Brown&Sonswasfoundedin1800asthenation’sfirst investmentbankingfirm.

Audie L. Chapman, II, Quality Engineer, Bristol Metals, LLC (BRISMET)

Audie L. Chapman, II

A Solution-oriented Leader in the Manufacturing Industry Ensuring Superior Products

Themanufacturingsectorisoneofthemost importantsectorsofalleconomiesintheworld.It isthepillarofthegrowthofanynation.Withouta strongmanufacturingsector,thedevelopmentofany countrycannotbewholesomeandsustainable.Itisonly possibletoprovidesuperiorproductstothecustomerswith adevelopedmanufacturingindustry,andtheimportanceof qualityengineersincreatingsuchhigh-qualityproducts cannotbeemphasizedenough.Therolesuchquality engineersplayincreatingsuperiorproductsisvery significant.

AudieL.Chapman,IIisonesuchqualityassurance specialistwhohasmadeanoverallimpactinthe manufacturingindustrythroughhisbusinessstrategiesand overallleadershipcapabilitiesinfindingsolutionstothe necessaryproblemsthatmayoccurduringmanufacturing production.Hesays, "when those problems occur, one has to be a great leader to solve them." Heisastrongquality assuranceprofessionalwithElectricalandElectronics EngineeringfromGranthamUniversity

Withhisprofoundknowledgeandexemplaryquality assuranceskills,Audiehasbeeninstrumentalinthegrowth ofBristolMetals,LLC(BRISMET).AsaQualityControl EngineeratBristol,heperformsandimplementsquality assuranceevaluationstoensurequalitycontrol.The companyoffersoneofthemostdiverseproductlinesinthe industry.Fromlargediameterstogaugewallsandpipe schedulestothebroadestlistofalloysproducedand stockedinNorthAmerica,itcanofferone-stopshopping, customercommitment,andshortleadtimes.

AtInsightsSuccess,wecaughtupwithAudieL.Chapman, II,toknowmoreabouthisjourneyandhowhehas contributedtothemanufacturingindustry

Below are the highlights of the interview:

Briefouraudienceaboutyourjourneyasaninfluential businessleader.Whatchallengesyouhadtoovercometo reachwhereyouaretoday?

MycareerjourneyasaQualityEngineerhasbeenlikeany otherEngineersinthemanufacturingfield,wearealwaysin highdemandandinafast-pacedenvironment.Thebiggest challengeIhadtoovercomeistheabilitytoadapttochange atamoment'snotice.Manufacturingissuchafast-paced sectortowherethingschangebytheminutedowntothe second.Youmustbereadyforthechangeorelseyouwill belate!

Tellussomethingmoreaboutyourcompanyandits missionandvision.

BristolMetals,LLChasbeenanindustryleaderin stainless,duplex,superduplex,6moly,nickelalloyand titaniumweldedsteelpipemanufacturesince1941.Our missionistoprovidesuperiorqualityproductstoour customerswhilemeetingourmanagementprincipal standards.

Describeindetailthevaluesandtheworkculturethat drivesyourorganization.

OneBigvaluethatdrivesourcompanyisouroverall teamwork,ourcommitmenttoQualityproducts,and servicetoourcustomers.Withoutagreatteamnoneof thosevalueswouldbeaccomplishedandmet.

“BRISMET is the undisputed North American leader in welded stainless, duplex, super duplex, nickel alloy and titanium pipe production with vast experience in providing stainless steel and high alloy solutions to projects throughout the world.”

Undeniably,technologyisplayingasignificantrolein almosteverysector.Howareyouleveraging technologicaladvancementstomakeyourcompany's solutionsresourceful?

Innovationiskeytoanybusinessandplaysahugerolein ourManufacturingsector Weembraceinnovationtoour

qualityeffortssuchastheuseofHighprecision measurementtoolsinourEngineeringlabsandalso innovationofkeepingourworkerssafeduringworkhours.

Ifgivenachance,whatchangewouldyouliketobring inyourindustry?

TheonechangeIwouldbringistoHighlightmore manufacturingcareerawarenesstoyoungstudents.Many studentsareunawareaboutthegreatlongtermcareer opportunitiesthatamanufacturingcareerhastooffer.If giventheopportunityinthefutureIwouldliketohold studentshadowprogramswithouremployeesand company Also,astudentjobfairwithinformationonhow toobtainemploymentforthefuture.

Whatadvicewouldyouliketogivetobuddingleaders andentrepreneurs?

Myadvicewouldbe " Always be on Time"! Whenyouare ontimethat'smeansyouaredependableandbeing dependablegoesaverylongway

Wheredoyouenvisionyourselftobeinthelongrun andwhatareyourfuturegoalsforyourcompany?

Mystoryisstillbeingwritten.Iknownothingispromised butIseemyselffindingnewwaysandnewinnovativeideas forourmanufacturingprocesses.

Co-founder and CEO

Dakota Hendrickson

Fil

Dakota Hendrickson

A Leading Voice of Reason in Technology

Theworldhasundergonesignificantadvancements inthelastfewcenturies.Acoupleofcenturiesago, menonhorsebackrodethroughvillages,pillaging andlootingeverythingtheysettheireyesupon.Today, someofthebiggesttechnologygiantsintheworldenable consumerstoreachbillionswithafewfingertouches.In ordertoinvestinthispromisingworldwehavebuilt together,itisimportantforustobuildsystemswith transparency,trust,andaccountability.Thisisevenmore crucialintheworldoftechnology,whereinsophistication oftenmakeswayforhundredsofregulatoryloopholes.A voiceofreasonthatpromisesitsconsumersabusiness solutionlikethatisDakotaHendrickson.

Dakota,theCo-founderandCEOofFilti,isnotan inspirationtobetrifledwith.HefoundedFiltiwithaclear missiontobringhighlyefficientresidentialHVACfilter technologytomillions.Filti’spatentedtechnologytookoff globally.Meanwhile,Dakotaworkedoncoreoperationsat Filti,includingbuildingthebrand,R&Dforthefilter,and expandingitsofferingsthroughe-commerce.However, soonafterFiltilaunched,Dakotafacedachallengehehad neverenvisioned–Thecoronaviruspandemic.The pandemicforcedFiltitochangeitsstrategytoadaptto growingconsumerneeds,includingdemandfortheface mask.Dakotatookthechallengeinhisstrideandchanged thestrategicdirectionforthecompany.Filtisoonstarted supplyingfacemaskmaterialtovariousAmerican manufacturersandlaunchedanairfiltrationmask technologyofitsown.Dakotaoversawthedevelopmentof oneofthebestairfiltrationmasktechnologyatFilti,with inclusionofnanofiberthatpromisesadvancements-stilla dreamformanymaskwearers.

APromisingTechnology

ThankstoFilti’samazingadvancementsinairmask filtration,thecompanysoonsuppliedmaskstoover40 millionindividualsacrosstheUnitedStates.Furthermore, thecompanyalsopartneredwithvariouslocallaw enforcementagencies,nursingassociations,firefighting departments,governmentofficials,andmilitarypersonnelto deliverthebesttechnologyintherighthands.The company’sGradeARespiratorshelpeditgetanideal responseassoonasitknockedonthedoorsofindividuals andorganizationsinneed.ThestoryofFiltiwouldhave neverbeencompletewithouttheleadershipofDakota,who ledthecompanyfromtheshacklesofthepandemictoa leadingmask-manufacturerintheUnitedStatesinadverse businessconditions.Moreover,hisleadershipalso establishedabenchmarkofinnovationatFiltithatwill likelyremainirreplaceableinyearstocome.

Dakotaremainshumbleabouthisachievements.Henotes, “There is a growing need for advanced air filtration technology. People do not realize that indoor air quality due to pets and other similar reasons can be 2 to 5 times worse than outdoor air quality.” Hebelievesthisisthe missionatFilti–toconquerthehorizonsofthebestair filtrationtechnologytoalleviateakeysourceofsuffering forindividuals.Theproblemofpollutedindoorairquality ismuchseverethanmanyrealize.Manypeopleinthe UnitedStatescontinuetosufferfromillnesseslikeAsthma, lungproblems,amongothers.Furthermore,theworsening qualityofenvironmentthroughgrowingwildfireshasalso exacerbatedtheairqualitychallengeformillions.Dakota believesthenanofibertechnologyofFiltiisapromising solutiontotheproblem.

Filti’sairfiltrationtechnologyisararebreedof technologiesthatpromisetomeetthebenchmarkstandards oftheEU,withitshighmechanicalefficiencyandgrowing abilitytocapturethetiniestofparticles.Dakotaexpresses, “Our Nano fiber technology is at least 10 times smaller than the tiniest strand of human hair. This size allows our filtration technology to vastly superior than any other competing products.”

ATransparentChorusforLeadership

ThankstothetremendousadvancementsinAirfiltration technologyatFilti,thepromiseofitsproductscontinuesto growincommercial,industrial,andresidentialsegments.

Thisiscontrarytoothertechnologiesinuse,including electrostatics,whichattractsparticlesviacharge.The competingtechnologyissusceptibletowater,humidity,and

moisture,whichneutralizeschargedparticles.Ontheother hand,Filti’stechnologyremainsastepaboveothersandhas beencertifiedwiththemostpromisedbenchmarksin technology,includingtheISO16890certification.Dakota believesitistheneedofthehourforstandardsliketheseto crossoverfromEuropetoAmericatodrivequality manufacturinginthecountry.Dakotaasserts, “In ISO 16890 standard testing, ordinary mask producers need to neutralize their charges before testing. On the other hand, we don’t’have any charges, because we are mechanically efficient in our air filtration technology.”

Dakotaendshisinsightsintheairfiltrationbusinessona visionaccomplishedthroughvastbusinessexperience.He believesgreatertransparencyintheindustryistheneedof thehour.Therearemanybusinessessellingairfiltration technologytoconsumers,whichisnotparwiththeir claims.AnexampleofthisistheMERVrating,wherein manufacturersclaimastandard11ratingwhentheyare reallytestingatstandard8.However,despitetheregulatory challenges,Filtikeepsgrowingattremendousspeeds. Dakotabelievesthegoalforthecompanyistocapture5% marketshareinthenearfuture.Thisdoesn’tseemlikean unrealisticgoal,especiallywhenthecompanyhasmanaged tocreateabenchmarkinairfiltrationandcontinuesto investinbrandbuilding.

Dakotaalsoremainsstronglypatrioticinhismissionto makeFiltitheleadingbusinessinairfiltrationtechnology. Heshareshispatriotismwithfellowentrepreneurs. “We're 100% Made in the USA, so we're trying to keep manufacturing here stateside,” hesays. Onlytimewilltell whetherDakotaaccomplishesallhisstatedgoalsforFiltiin theyearstocome.However,hehasledhiscompanywitha conviction,vision,andtechnologyprowessthatsitsinthe leagueofitsown.

We strive to promote healthier living by providing superior air quality.

Making the Mining Industry Safer and More Efficient for People and the Planet

volutionMininghasbuiltareputationfor

sustainability,reliability,andtransparency–a strategyextendingacrosstheglobetoitsRedLake GoldOperationinOntario.

Aprovenrecordasasafeandsustainableoperatorseesthis leadingglobalmid-tierminerbringitsvision,strategy,and disciplinetoOntario–awelcomeadditiontohelpmakethe miningindustrysaferforbothpeopleandtheplanet. Evolutionissettinganew“goldstandard”–acommitment tocreatingsustainablevalueforthecommunitiesinwhich itoperatescentresarounditsfocusonpeople.

MostValuableAsset

KirstyLiddicoatGeneralManagerisinthedriver’sseatas herteamrestorestheoperationbacktoapremierCanadian asset.The39yearoldhasworkedinminingfor18years andisproudtosharewhatEvolutionseesasitsmost valuableassetandsecrettoculturalsuccess.

“TheminetransformationplanEvolutionhasinplaceat RedLakebalancesouroperationalandminingdiscipline withourmostimportantasset–ourpeople,”Liddicoat says.

“Oursustainabilityapproachmeansweminegoldwithour employeesandcommunityfrontofmindeverystepofthe way We’regratefultobeoperatinginRedLake–our approachstemsfromourvalues.

“SafetyisEvolution’snumberonefocus–ourRedLake teamiscommittedtolivingoursafetyvalue–it’spartof everyjob,everyday.Accountability,excellenceandrespect

arealsocentraltoourculture,successandsupportour sociallicencetooperate.”

RedLakegoldminehassignificantlyexpandedits capabilityunderEvolutionownership–meanwhilethe businessisn’tshyaboutitssustainabilitycommitment. Thesuccessfulgoldmineraimstocreatevalue.Astrategy addingsustainablerewardsintoeveryhomeintheRed Lakeregion.

History

Sinceproductioncommencedin1949,RedLakehas producedover25millionouncesofgold.Averagegradeis inexcessof20g/t.Aworld-classgoldregionOntario’sisa historyrichandproudandfutureopportunitiesareplenty

Future

In2019EvolutioncommittedUS$100millionoverthefirst threeyearsofownershiptoRedLake,andanadditional US$50millionforgoldexploration.March2021saw Evolutionexpandandconsolidate“overthefence”atRed Lake–acquiringitsimmediateneighbouraddedprocessing capacityviaanewmill.

“Wehaveacceleratedourabilitytoachieveourobjectiveof producinginexcessof300,000ouncesofgoldperannum fromRedLake.It’sanextremelyexcitingtimeforOntario, forRedLakeandtoworkinCanadiangold.”

“Evolutionremainscommittedtotheregionandourpeople toensureapositivelegacylongbeyondour13-yearmine life,”Liddicoatsays.

Environmentalandsocialconcernsremaintheforefront. RedLake,acornerstoneassetoftheASXlistedcompany,is whereLiddicoatsaysanexperiencedandhighlyskilled miningworkforce,wholargelyresideinRedLakeand Balmertown,arehelpingtoprovideregionalsecurity.

“We’reproudtosupporttheprosperityoftheregionand committosustainableoutcomesforabroadrangeof stakeholdersincludingthelocalworkforce,regional communitiesincludingEarFallsandourWabauskangand LacSeulFirstNationPartners.”

SafetyandStrategy

Evolution’sback-to-basicsapproachtokeepingitspeople andcommunitysafeseeRedLake’steamfocusonvisible leadershipinthefield–undergroundandaboveit.Themine engagescloselywiththecommunity.Liddicoat’steamis steeredbyEvolution’svalues–andtheirbootsonthe groundimpactpositivelyandstrategically.

Successfullyacquisitionandexplorationopportunities extendtoRedLakemanagementsystemsandsustainability frameworks.

SupportingtheRegion

SupportingRedLakeiscentralLiddicoat’steam.Boosting recentlocaleffortstocombatforestfiresprovesa commitmenttopartnershipswhichextendtoprotecting FirstNationscultureandlocalhabitats.

ArecentNetZerocommitmentsaveEvolutionproudly committoactivelyreducecarbonacrossitsoperations.In

July2021Evolution’sboardendorsedanew,ambitious plantomitigatetherisksofclimatechangeacrossthe businessandmadeacommitmenttoachieveNetZero Emissionsby2050–recognitionclimatechangeisoneof themostpressingproblemsfacingtheplanet.

Evolution’sactiontosupportclimateseeRedLakelead Canada’sclimateagenda-acommittedtoenhanceitselfasa sustainableoperationplacesEvolutionasonethatisclean andproductivefortheenvironmentandsupportsahealthy community.

Evolution’scommitmenttoalignwiththeglobalgoalofthe ParisAgreementtolimitglobalwarmingto1.5degrees Celsiussupportsaclearplanofaction.Interimtargetsofa 30%reductioninemissionsby2030meanRedLakewill playanintegralrole.

Evolution,valuesRedLake

Evolutionremainscommittedtounderstandingand proactivelymanagingtheimpactofclimaterelatedrisksto businessandtheenvironmentandbeinginnovativein tacklingthischallenge.Workingtobuildclimaterelated riskresilienceinoperations,communitiesandthe environmentmeanssoundriskmanagementprocessesare instilledacrossthebusiness.RedLake’sincreasingsuccess meansEvolution’sfocusstaysonpeopleandcommunities:

“EvolutionisproudtoplayapositiveourroleinRed Lake.”

Danny Sava

A Savvy Veteran and an Exceptionally Dedicated Leader

Achievementisaneedthatdominatestheworld.

Achievingadeterminedgoalatayoungageseems challenging.Peoplethrowawaytheirentirelifeto attainheightsofsuccess.Individualswhohaveachieved thismilestoneatsuchearlyageareaninspiration.

Lookingatsuchafocusedpersonalityismesmerizing.In thisendeavoroffinding40InfluencersUnder40,we crossedpathswithDannySava,aMarineVeteranwho servedhisnationforeightyears.

Currently,DannyisservingasDivisionVicePresident, DeputyGeneralManager,andDirectorofO&M, NISSCIIatJacobs,acompanymakingtheworldsmarter, moreconnected,andmoresustainable.

DannyservedintheUnitedStatesMarineCorps(USMC) from1999-2007asaTacticalNetworkSpecialistandData Chief.Hewaspartofthe15thMarineExpeditionaryUnit forfourdeployments,whereheandhisunitwerepartofthe longestamphibiouslandinginhistoryandfirstinto Afghanistanafter9/11.

Danny was also deployed to Iraq three times and supported themarchtoBaghdad.TheexperienceshehadintheMarines preparedhimforeverythinghehasencounteredinhisrolesat Jacobs.

DannystartedhiscareerwithJacobsasaPersonal ComputerTechnicianatMarineSpecialOperations Command(MARSOC)andthenmovedtoProjectManager atNavalSpecialWarfareCommand.Hewentbackto AfghanistansupportingtheJointImprovised-ThreatDefeat OrganizationasanInformationAssuranceManager(IAM) andthenfinallyendedupattheUnitedStatesSpecial OperationsCommand(USSOCOM).Heheldseveral positions,includingSystemsArchitectandDirectorof

InformationTechnology(IT)Planning,Engineering,and Innovation,whichprovidedTier4supportto76,000users inover40locations.Heenjoyedtakingonnewchallenges andtookontheproposalworkfortheNISSCIIcontract. Throughthewinofthecontract,hewasawardedhislatest position,whichheisthoroughlyenjoying.

InthisexclusiveinterviewwithInsightsSuccess,Danny unveilshisimpassionedjourney

Below are the highlights of the interview:

Whatwerethechallengesyoucameacrossthroughout yourjourney?

Thebiggestchallengewasstrivingforpromotionsbut alwaysmissingoneoftherequirements,suchas certifications.Gettingoutofthemilitary,certificationswere notasvaluedbackin2007astheyaretoday Afterbeing rejectedseveraltimes,Imadeitmymissiontobe overqualifiedsomybosscouldneversay‘no’again.

BeinganexperiencedInformationTechnologyLead whatisyouropinionregardingtheimpactofthe COVID-19pandemicontheEngineeringIndustry?And howhasJacobsmanagedtoovercomethissignificant challenge?

Theimpactaffectedrawmaterialsupply,disruptedthe electronicsvaluechainandofcourse,inflationofproducts. IhadaCOVIDoutbreakof40personnelearlierthisyear, soIalsohadtodealwithcrisismanagementtosupport 24x7x365operations.

Jacobshasexcellentrelationshipswithourmetalpartners, originalequipmentmanufacturersandavarietyofvalueaddedresellers,whichresultedinoursupplychainbeing impactedmuchlessthanothers.Wewerefullystaffedon ourNISSCIIcontractduringtheoutbreak,whichresulted

Danny Sava, Ph.D., Division Vice President, Deputy General Manager and Director of Operations & Maintenance, NISSC II, Jacobs

Dr. Danny Sava and Mr. Marcus Neal (Jacobs Director of NSOCC-A) being awarded Disnguished Young AFCEAN Awards, 2019

inbeingabletomaintainthemissionandnotexperience anyoutages.

Whatpeople,whatbooks,whatlifefactorshave influencedandimpactedyou?

ThebestinfluencesIhavehadweremyfamilybeing supportiveofmethroughoutmyentirelife.Iamveryclose withmyparents,andIstilldependonthemforguidance andlifedecisions.

Mywifehassupportedmethroughmymilitarycareer,10 yearsofdeployments,multipledegrees,certifications,and shehasalwaysstoodbymeandencouragedmenomatter what.Mykidswerealwayspatientwithmylatenightsand educationalmoodswings.Iwouldn’tbewhereIamtoday withoutthem.

Themostinfluentialbookduringmycareerhasbeen ‘LeadingGeeks:HowtoManageandLeadthePeopleWho DeliverTechnology’byPaulGlen.NoteveryIT professionalisthesame,andthisbookhelpsleadersto understandhowtomotivate,reward,understand,andmesh withavarietyoftechnicalbackgrounds.

Dr. Danny Sava, Jr., Mrs. Julia Sava, Ms. Alyssa Sava, Carol Sava, and Danny Sava, Sr. at family dinner

NISSC II Leadership team in from of the Cheyenne Mountain Space Force Complex, Colorado Springs, CO Mr. Clarke Moyer, Mr. Bill Johnson, Mr. Doug Cook, Mr. Clinton Ausn, Dr. Danny Sava, and Mr. Greg Stevens

“I approach everyday as an opportunity to learn something new”

Inwhatwayshaveyouorthecompanycontributedto thecommunity?Ifgivenachance,whatchangewould youbringintransformationofProgramand ConstructionManagement,withITManagement? Formyownteam,weworkverycloselywiththelocal community.Wehavecompletedfundraisingeffortsfor studentsneedingschoolsupplies,adoptedseniorcitizensin recoveryandprovidedthemessentialsandChristmas presents,anddonatedtoysduringtheChristmasinJuly eventforkidsintherecoveryward.

WeareheavilyinvolvedwithAFCEA,wherewecomplete avarietyoffundraisingeffortstosupportscholarship opportunitiesforScience,Technology,Engineering,and Math(STEM)forfuturegenerations.

Jacobs,asacompany,hasdonatedover2.1million(FY19) tosupportavarietyofcharitableorganizationsandhasa specialprograminplacewhereemployeescanrecommend organizationsforJacobstosupport.

Accordingtoyou,whatcouldbethenextbigchange (technology/innovation)inthe ScientificResearch&Testingindustry?

ThenextbiginnovationIamhopingforisthatthe DepartmentofDefense(DoD)willadoptvirtualreality technologylike,theOculusasanall-in-oneplatformfor accessingmultiplesystems.WeusetechnologylikeaKVM switchformultipleenclavesbutusinganOculuscould providebenefitswithbeingabletoseeallsystems simultaneouslywhilekeepingseparationwithinthe technology

Wehavetoomanysystemsandnotenoughtimetogoback andforthtoprocessthedatasoanysolutioningforeaseof accessandbetterdisplaywouldbeimpactfultothose outsideoftheDoDaswell.

Whathaveyouenvisionedforyourorganization’s future,withregardstoyourroleatJacobsandforyour personalambitionsaswell?

IhavemyexpertiseinareasofprojectmanagementandIT, butthegreatthingaboutworkingwithadiverseworkforce isthattheystillteachmesomethingnewandthatiswhyI enjoycomingtowork.

ThebestthingaboutmypositionisthatIhavelearned differentaspectsofbusinessmanagement,finance,security, andover80differenttypesoflaborcategoriesonthis contract.Ihavebeenincludedinbusinessdevelopmentand proposalwriting,whichhasallowedmetohelpthe companywinalmost3billionworthofwork.

Alltheseeffortssupportmygrowthwithinthecompany andmyabilitytomoveintonewrolesinthefuture.My nextgoalistobecomeaGeneralManagerwithmyown contractthatIcanbuildfromthegroundup.

Mr. Clinton Ausn and Dr. Danny Sava providing a free AFCEA membership at a Jacobs Networking Event

Aboutamonthago,posta

presentationtotheManaging DirectorofoneofIndia’s leadingcorporategroups,wewere pleasantlysurprisedbyhisinferences andinteractions.Inspiteofbeingmade awareoftoomanymissed opportunitiesandimpending challengesinourpresentation,his reactionwasveryaccommodativeand positive.Hecongratulatedhisteamfor theircontributionswhichhadgotthe companytoitspresentposition,while takingtheresponsibilityforallthe inadequacies.Wehadreadin managementbooksaboutexemplary leadershipqualitiesbuthavenever heardsuchwordsspokeninanyboard room.

Whatmadethispersonactthisway werehardfactsanddatawhich corroboratedbusinessdecisions.As organisationsgetmoredataoriented, dataisfreelyavailabletoallinthe organisation.Everydecisionandits impactcanbemeasuredthusmaking managementandeachexecutivemore accountable.

Thebiggesttransformationwhich technologywillbringinis accountability,thecorollary:every actionismeasurableanditsimpactcan bepredictedwithdata.Today,it's easiertosimulatedifferentscenarios andunderstandbusinessresultsbetter

bychanginganyinputvariable.Thus, withdatawehaveabilitytoanalyse andthustheabilitytotakebetter decisions.Theopportunitiestoanalyse arelimitlesssoarethepossibilitiesto grow.

Predictiveanalyticsishowsomeof thiswouldbereferredtoaswellas modelling.Withdatasciencesbeingat thecoreofeveryactivity,businesses aremovingtowardsAI.Routine activitiesdonebypeoplearebeing replacedbyalgorithms. Verysoon peoplearegoingtobeexpectedto delivermorevaluethanroutine. Robotsarereplacingmanpowertocut costsandincreaseprecisionbutwestill needpeopletoprogramtherobotsand innovateonproductsandprocesses.

Jobshaveevolvedfrommechanisation toautomationtoartificialintelligence. Organisationsarebeingforcedtothink moreandthendomore,thuspeople willneedtobetrainedcontinuously andkeepthemfutureready.Human resourcesdept.isoneofthefunctions whichwillneedtoplayaveryactive roleinimprovinghumancapital.

Consideringthatmostofourtasksare drivenbydataandinformationone thingiscertainthatonecannot continuetodeliverifonedoesn’tadapt totechnologyandanunderstandingof interpretingdata.

CEOs,CXOsorMDsagedabove 45yearsarefromanerawhen programmingandcomputersmadean entryintheircolleges.Theyhave excelledinprocesses,innovation, financialacumenbutaretheyfully equippedtomanagethisinformation delugeanddigitisetheirbusiness?

Mostorganisationssitontonsofdata butareunabletounderstandwhythey arefailingorsucceedingincertain areas.Theabilityofanorganisationto deliverislimitedattimesbythosewho understandbusiness,takedecisionsbut maynotbenotstronginusingdataas atool. Whilethosewhoarestrongin analyticsdonotunderstandwhich areasinbusinessneedtobeanalysed toidentifyissues.Thisgapwill eventuallygetbridgedaspeoplelearn orchange.Buttodaydataanalysisis oftendoubted.

Whenwesaydataandtechnology,they areenablersandaresource.Theability tousethemtodeliverhigh performancerestswiththeuser. Howevertopmanagementneedsto demandtheuseofdataindecision making.Onlywhenthereisacultureto supportdecisionwithdatawill decisionmakingimprove.

Fewyearsago,itusedtobesaidin boardroomsthatwecan’twaitforthe dataanditsanalysisasthatwould

delaythedecisionmaking.Decision wasmadeonahunchorbythepower ofthechair.However,inthelastfew yearsallfunctionsandroleshave mostlybeendigitisedsothetrendsand numbersareavailableonlineprovided weknowwhattolookfor

Takingacuefromthevariousnewage businesswhetheritse-retailing, ecommerce,deliveryintegratorsor datamanagementandsocialmedia theyhavebeenforcedtodevelop algorithmstosurviveandgrow They tracethecustomerjourneyatevery pointandmapit.Astheirbusinessis onlineithasbeeneasierforthemto

TarunKhanna Managing Partner EvolutionStrategy AdvisorsLLP

trackandcapturecustomerlossreal time.Thisiswhatwillrulecustomer retentionandbehaviour.Ifanonline customerisnothappy,hegetsona chatorjustclicksoncustomer feedbackthatheisnothappy Atrained callcentreexecutivecallshimand settlesthecomplaintimmediately.This issomethingthebrick-and-mortar industriesareyettounderstandand implement.Thefutureofanybusiness isdefinedbytheirabilitytogainand retaincustomerswithanexceptional customerexperience.

Postthepandemicitisclearthatthe preferredmediumofcommercewillbe

ecommercegoingforward.Thus,there willbeanincreasedexpectationof serviceandresponsefromthe customerandconsumerwhohavebeen exposedtothismedium.Theyexpect issuestoberesolvedastheyoccur, theywantagoodexperienceorrather noglitches.

Arewedesigninganorganisation whichcanoffersuchservices,ifnot thencustomers’expectationswilllead themtomakedifferentchoices.

VineetTrakroo CEO EvolutionStrategy AdvisorsLLP

Jared Tanimoto CFP®, Founder & President

Advisors

Jared Tanimoto

ALeaderwithaClientFirstApproach

Therehavebeenfalseimplicationsinthefinancial industryforyearswherepeopledisguised themselvesasfinancialadvisors,butinreality,are brokersindisguise,wolvesinsheep'sclothing.Theyare knownforputtingtheinterestsoftheiremployersand themselveswellabovetheinterestoftheclientstheyserve. Soundsscary,right?WhatifIweretotellyouthat recognizingtheseflaws,onemanseparatedhimselffrom theherd,leavingallthesalescommissionsandincentive bonusesbehindtobecomeapurefiduciaryfinancial advisor?Wouldyoubelieveme?

Departinghimselffromsuchtraitsandsystem,Jared Tanimoto,aCertifiedFinancialPlanner®,startedhis financialfirm,AscentWealthAdvisors,aRegistered InvestmentAdvisor(RIA)firm,in2017,utterlyfocusedon client-firstapproach.

Beforesteppingintohisentrepreneurialdrive,Jaredworked withseverallargewealthmanagementfirmsandtimeata privatehedgefundthatmanagedthemoneyofsomeofthe wealthiestfamiliesinthecountry

AstheFounderandPresidentofAscentWealthAdvisors, Jaredhelpspeopleprepareforretirement,familiesnavigate retirement,andachievefinancialclaritybyimplementinga uniqueandcustom-tailoredfinancialplanningprocess combinedwithinstitutionalqualitywealthmanagement.

Thefirmoperatesunderthefiduciarystandardandnever acceptscommissions,kickbacks,orotherincentivesmeaningitsclients'interestsalwayscomefirst,evenif doingsoresultsinlowercompensationforthefirm.The firmisalsopartoftheFinancialPlanningAssociation (FPA),NationalAssociationofPersonalFinancialAdvisors (NAPFA),Fee-OnlyNetwork,andtheXYPlanning Network(XYPN).

PersonalLife

JaredisaproudgraduateofTheUniversityofCalifornia, Irvine(UCI).HestudiedBusinessEconomicsandthe

ExecutiveFinancialPlanningprogramatTheGraziadio SchoolofBusinessatPepperdineUniversity.

Apartfromhelpingclients,Jaredcanbefoundoutdoors carryingfunactivitieswithhislovelywifePaige,daughter QuinnanddogGrace(Schnoodle).Heisveryfondof backpackingandmountaineeringtorockclimbing, spearfishing,andskiing.Healsoplaysgolfwhenheseeksa littlerelaxation.

TheChallenges

Jaredhasinfluencedthefinancialindustrywithhis involvementintheFinancialPlanningAssociation.Heis alsothecurrentpresidentoftheOrangeCountyChapter (FPAOC–FinancialPlanningAssociationofOrange County),a500-membergroupoffinancialplannersinthe area.

Jaredhasspentaconsiderableamountoftimehelpingother advisorstransitionfromtheinsuranceandbrokerage industrytotheRIAsideoftheindustry Aftersevenyearsat multipleinsurancebroker-dealers,heventuredtofindhis firm.Heexpresseshisstruggles, "It's been a challenge to go from the side of the industry that was driven by commissions and incentives to become a fiduciary advisor where I no longer can accept any commissions.”

Accolades

JaredhasbeenfeaturedinvariousmediasuchasForbes, Money,CNNMoney,NerdWallet,InvestmentNews,and otherpublicationsforhisfinancialexpertise.Hewasalso nominatedtoInvestmentNews'2021Top40Under40list forhisaccomplishmentsandcontributiontofinance.

EffectiveContributions

Withcountlesshoursdedicatedtothefinancialplanning professionandasthepresidentoftheFPAOC,Jaredhas helpedrunanorganizationthatcontributestoseveral professionalareasfromdevelopment,networking,practice

Abetterapproach toretirement planning. ‘‘ ‘‘

management.Theorganizationalsocontributestowards continuingeducationofCertifiedFinancialPlanners.

UpholdingValues

AscentWealthAdvisorsisafee-onlyfirmwithamissionto providefiduciaryadvicewhereemployees' recommendationsarenotaffectedbythewaytheygetpaid.

Jaredbelievesthatthereisadifferenceinanadvisor motivatedbyproductsversustheadvisororfinancial plannerdriventoprovidethebestvalueandservicebecause it'stherightthingtodo.AscentWealthAdvisorsprovides excellentplanningandadvicetoitsclients.

AttheForefrontofTechnology

Technologyhasmadepeople'slivesmoreaccessible,and Jaredexperiencedthesechangesfirsthandformanyfintech asanearlyadopterandbetatester AsanRIA,hecan implementnewsoftwareandtechnologyataquickpace thatallowshimtoprovidemorevaluetotheclients.

TheChange,TheFuture,andTheGuidance

Everyonewishestomaketheworldabetterplace,andits startswithyou.Learningfromhisvariousexperiencesin thefinancialindustry,Jaredwouldlovetomakethe industryacleardistinctionbetweenbeingafiduciaryanda salespersonbecauseit'stooeasyforcommission-based professionalstopretendtobetheformer.

Jaredaimstohelpasmanyindividualsobtaintheirfinancial goalsandpositivelyimpactotheradvisorsandplannersin thefinancialindustry.Headvisesbuddingandupcoming leadersandentrepreneurstodotherightthingforclients 100%ofthetime,andeverythingelsewillfallintoplace.

Liliana Frani Passi Managing Director CBI

TheRelevance TheNew

Overthelastyears,theglobal paymentlandscapehas changedfasterandmore dynamicallythanever.

Thepandemichasshownthatthe futurewillbedigital.partnerships betweennewcomersandincumbent playersarebasedoninnovative technologiesthatareconsideredas enablerofnewcost-efficientbusiness models.

ThemainchangethatPSD2has introducedisbasedontheconceptof “openbanking”,thatforcesbanksto sharetheircustomers’account informationwiththeso-calledthird parties.Therefore,thisneweconomic paradigmallowscustomerstorefertoa varietyofbankingandnon-banking players,includingFintechandBig Tech,togetfinancialservices.

Consideringthisrevolution,banksare evolvingthroughregulationand digitizationtoanewerawhichisbased onopendata.Needlesstosay,dataare thefuelofneweconomicmodels.

ofCollaborativeEcosystemsin CompetitivePaymentsMarket: TheExperienceofTheItalian FinancialCommunitywithCBI

WiththepublicationoftheEUDigitalFinancePackage (September2020),theEuropeanCommissionhassetanew ambitiousroadmaptostrengthenthecompetitivenessofEU financialsector.Indoingso,itaimstofacilitateaccessto innovativefinancialserviceswhileensuringconsumers’ protectionandmarketstability.”

WithintheEUDigitalFinancePackage,theEUDigital FinanceStrategyandtheEURetailPaymentsStrategyset severalobjectivesandprioritiesthattheCommission intendstoachieveby2024.Italsoincludeslegislative proposalsonmarketincrypto-assets(MiCA),topavethe wayforaregulateduseofdistributedledgertechnology (DLT)inthefinancialservicesector,andthedigital operationalresilienceforthefinancialsector(DORA)to bettermanageICT-relatedrisksinthefinancialdomain.

Inthisdynamicandcompetitiveenvironment,focusingon pureregulatorycomplianceisthemostshort-sighted strategywiththelesschancestobesuccessful.Inorderto maintainahighdegreeofcompetitiveness,bankshaveto developvalue-addedservices,alsobuildingpartnerships withotherplayerstocovertheirservicegaps.Thisscenario encouragesthecreationofecosystems,wheredifferent playerscooperatewithacoordinatedapproachtocreatean innovativeofferthatmeetscustomers’needsandguarantee interoperabilityamongstakeholdersinthepayments market.

InItaly,CBI(www.cbi-org.eu),aPublicLimited ConsortiumCompanycomprisingaround400Payment

ServiceProviders(PSPs)asshareholdersandcustomers, facilitatestheestablishmentofcollaborativeecosystems.

ByoperatingfromaBusiness-to-Business-to-Customer (B2B2C)perspective,CBIenablesthePublic Administration,thefinancialindustry,enterprises,and citizenstoeasilycommunicate.

CBIoperatesasthehubofthefinancialindustrypromoting technologicalinnovationanddigitalization.Overthelast20 years,CBIhasrealizedstandards,ITinfrastructuresand digitalservicestothebenefitoftheItalianfinancial communityandthePublicAdministration.These functionalitiesincludetheCBIandCBILLservicesand CBIGlobe(www.cbiglobe.com).ThelatterisanAPIpoweredRegTechPlatform,whichsupported80%ofthe Italianbankingsystemtomeettheoperationalrequirements imposedbythePSD2anddevelopservicesbeyond compliance.

CBIGlobeallowsbankstosecurelysharetheircustomers’ onlinebankaccountdatawithmorethan180domesticand foreignTPPs.Theplatformhasfacilitated,sofar,the evolutionoftheOpenBankingmarketinItaly:sinceits launch,CBIGlobehasregisteredmorethan130million APIcalls.

Afterhavingovercomethe“compliancephase”,bankshave startedpartneringwithFintechandstart-upstofurther innovatetheirbusinessmodels,offeringservicesthatgo beyondthemere“banking”products.InItaly,bankshave

AbouttheLeader

LilianaFratiniPassiistheManagingDirectorofCBIS.c.p.a,an interbankingcompanythatdevelopscross-borderdigitalpayment servicesfocusingcashmanagement,forallbanks,andthePublic Administration.

Sheperformsavarietyofroles,includingthoseofIndependentboard memberoflistedcompanies;UN/CEFACT(UnitedNationsCentre forTradeFacilitationandElectronicBusiness)Vice-ChairofthePay SectionoftheInternationalSupplyChainProgrammeDevelopment AreaandliaisonRapporteuroftheUNECEtotheISOTechnical CommitteeonFinancialServices(ISOTC68);ItalianDelegatefor UNINFOoftheISO20022RegistrationManagementGroup(RMG).

Overtheyearssheistheauthorofarticlesandpapersthathavebeen publishedatthedomesticandinternationallevel.Sheisalsoa keynotespeakerandanopinionleaderfordigitalization,e-payments, openfinanceandgenderdiversity.ShehasbeenselectedbyForbes Italiaamongstthemost"100influentialItalianwomenof2021"and shewasnominatedamongthe"InspiringFiftyItaly".

begunoperatingasAccountInformationServiceProviders (AISP)andPaymentInitiationServiceProviders(PISP) thankstotheupdatedofferofCBIGlobe,which implementedin2020anactivefunctionalitytoallow financialintermediariestoplaytheroleofTPPs.Through thenewfunctionality,PSPscanreachthewholeItalian bankingcommunityandmainpan-Europeanfinancial intermediaries.

ThisnewphasealsocoincidedwiththeCovid-19crisis, whichpavedthewayforafostereddigitalizationaroundthe globe.Theopportunitiesstemmingfromadvanced technologieshaveinducedCBItodevelopOpenFinance value-addedservicestosupportpublicgovernmentsandthe privatesectorincarryingouttheiractivities,despitethe internationalhealthandfinancialcrisis.

ThankstotheparticipationoftheItalianbanking community,CBIlaunchedin2020CBICheckIBAN,an APIservicethatallowspublicgovernmentsandcorporate tocheckonlinethedata(IBANcodeandfiscalcodeorvat number)providedbyanaturalorlegalentitytoobtaina fiscalbonusorsubscribetoaservice.Thusfar,thepublic administrationhasperformedmorethan5millionchecksto guaranteethecorrectdisbursementofeconomicresources tocitizensandcorporatessufferingthefinancial consequencesoftheCovid-19crisis.

Overthelastfewmonths,theservicewasmadeavailable alsototheprivatesector.Hence,corporatesandutilitiescan useCheckIBANtoverifytheIBANandFiscalCodeorVat Numberoftheclientswishingtosubscribetoaserviceorto signacontract.Theservicewillenablecorporatesto optimiseinternalprocessesandstrengthenthesafetyof corporatesandendusers,thusimprovingtheuser experience.

TakingintoaccountthenewtrendsderivingfromOpen Finance,CBIisalsodevelopingotherdata-basedvalueaddedservices,includingSmartOnboardingandother functionalitiescurrentlyinprogress.Thegoalistosupport collaborativeinnovationforbanksandotherintermediaries, sothattheycanoffervalue-addedservicestothePublic Administration,CorporateandRetailcustomers.Inthenew OpenFinancescenario,thecompetitionshiftsfroma domestictoaninternationalcontext,facilitatingthebirthof newglobalmarketplayers,andrelativizinglargebanksthe dominantpositions.Thechallengewillbetoguaranteethe interoperabilityandconnectionamongallstakeholdersto ensuretheimplementationofalevelplayingfieldbasedon theprinciple“sameactivities,samerules,samerisks.”

Parker|Phoenix Public Relations

Jesse Parker Stowell Principal

Jesse Parker Stowell

Developing Strategic Campaigns that Interface with Consumers, Influencers, and Media

Thefieldofpublicrelationsisallaboutbuilding relationships,sendingtherightmessageattheright time,andstrengtheningthebondbetweenabrand anditsaudience.Andittakescourage,ability,and eloquencetodrivestrongcampaignsforbrandsthatwill increaseawarenessanddrivetheirsales.Youcanfindall thesetraitsinJesseParkerStowell.

Bygettingtoknowthecommunityandmakingconnections betweenpartiesthatwanttoservetheoverallgood,Jesse hasbeenabletocreatepublicrelationscampaignsthatraise awarenessandfundsfornon-profitorganizationsaroundthe country.

JesseisaPrincipalatPARKER|PHOENIXPublic Relations.Butthisisn'thowitallstarted.

Jessebeganhispublicrelationsjourneywithaninternship ataLansing-basedPRandlobbyingagency.Heworkedata fewagenciesduringcollegebeforesettlinginatan entertainmentandlifestyleagencythatheworkedatfor13 years.Thebiggestobstacleforhimwasmaintainingthe staminatostickwiththejobinNewYorkCity.6amcall timesattheTodayShowfollowedby2ammeetingsover cocktailswithclientsandreportersatanightclub.In2015, hedecidedtotakeastepbackandfocusmoreonstrategy, andshortenedhisclientlistbystartinghisownagencyin Austin,Texas.Now,hecontinuestoworkcloselywith clients,workingsmarter,notharder.

FrominterningwhileatColumbiaUniversitytodirecting publicityforbillion-dollarbrands,Stowellandhis

colleaguesprovideahands-on,personalizedclient experience.

We,atInsightsSuccess,caughtupwithJessetoknowhow heishelpingbrandsincreaseawarenessanddrivesales.

Below are the highlights of the interview:

Tellussomethingmoreaboutyourcompanyandits missionandvision.

Iworkwithclientstotelltheirstorytothelargestaudience possible.BecauseIcanpickmyownclients,Iworkwith peoplethatwanttobeapositivecontributortotheir community,andasanagencyIfollowthesamemodel.

Enlightenusonhowyouhavemadeanimpactinyour respectiveindustrythroughyourexpertiseinthe market?

IhavebeenabletocreatePRcampaignsthatraise awarenessandfundsfornon-profitorganizationsaroundthe country.

Describeindetailthevaluesandtheworkculturethat drivesyourorganization.

ParkerPhoenixPRisdedicatedtoreliabilityand accountabilitytoourclients,themediaandourcommunity. Werepresentourclientstothebestofourability,consult withthemonthebestwayinwhichtoengagethemedia anddevelopandexecutecampaignsthatbetterservethe

By offeringconsulting services for media relations, special events, influencer seeding, strategic partnerships and social media,Parker|Phoenix Public Relations provides solutions to

clients that will increase awareness and drive sales.

“

community,whetherregionalorglobal.Becausewearea smallandflexiblefirm,wecanchooseclientsthatmakean impact,eveniftheydon'thaveahighbudget.The satisfactionofgettingastoryinamajoroutletthatgivesa voicetounderrepresentedgroupsisoneofthebestfeelings apublicistcanhave.

Undeniably,technologyisplayingasignificantrolein almosteverysector.Howareyouleveraging technologicaladvancementstomakeyourcompany's solutionsresourceful?

Technologyhaschangedthemedialandscapefroma handfulofprintoutletstohundredsofonlineoutletsand socialmediainfluencers.Wehavehadtostreamline communicationstrategiestofocusthemessage.Ihelpmy clientscometothetablewitheverythingtheyneedtotella clearstorythrougheverychannelavailable.

Ifgivenachance,whatchangewouldyouliketobring inyourindustry?

IfIcouldchangeonethingaboutthepublicrelations industry,itwouldbeforitsprofessionalstobemore representativeofthediversityofourclients.

Wheredoyouenvisionyourselftobeinthelongrun andwhatareyourfuturegoalsfor yourcompany?

I'dliketocontinuebuildingParkerPhoenixPRtoserve brandsandorganizationsbasedinAustin.Asthecity continuestogrowandtakeabiggerroleontheglobalstage, I'dliketobethatvoiceformycommunityandshowthe worldwhatagreatplaceAustinisandwillbe.

Whatadvicewouldyouliketogivetobuddingleaders andentrepreneurs?

Iwouldadviseanyyoungentrepreneurstotakearisk.Have confidenceinyourwork,butknowwhatyouneedto improveupon.Useyournetworktobuildyourbusinessand don'tbeafraidtotakethejumptodoyourownthing.

National Health & Safety Leader Emco Corporation

Joël Richer

Joël Richer

DeterminedtoSafeguardEmployeeSafety

Inthisvolatilebusinessworld,afewcompanies

genuinelyembracechangeandencouragenew teammatestobecomeleadersandchallengethestatus quo,whichiswhatJoëlRichersoughtwhenhe interviewedatEmcoCorporation

JoëlistheNationalHealth&SafetyLeaderatEmco, whereheisdeterminedtooverseetheHealth,Safety,and Wellnessprogramforover2500employeesacrossCanada. HecoordinateswithProfitCenterManagersacrossthe nationhelpingthemtobecomemoreefficientby streamliningoperationsandputtingcontrolsinplaceto protecttheirassets,people,andcustomers.

Joëlhasinfluencednumerouspeopleinhislifeand continuestodosowithhissheerdedicationthroughhis work.Hishardworkandperseverancegainedhimthe knowledgeandexperiencetoimprovehisexpertiseinRisk ManagementandHealth&Safety.

Inourendeavortofind40influencersunder40,weat InsightsSuccesscameacrossJoëlRicherandgotintoa conversationtoknowin-depthabouthisjourneyasthe NationalHealth&SafetyLeaderandunveilthedistinct possibilitiesinthenearfuture.Let'sdiveinstraightaway.

Let Your Imagination Soar. “ “

TheJourneySoFar

Joëlworkedatapublicly-tradedbankinaccounts receivablesandcomplianceforsevenyearswhile completinghisMastersDegreeinHistory.Hewanteda changeandkeptsearchingforanorganizationtoutilizehis analyticalskillset,ambition,andworkethictohelpthem reachtheirgoals.

WhileinterviewingfortheroleofInternalAuditor,Joël realizedthatEmcoCorporationwouldbehishomefora longtimeastheCoreValuesofthecompanyand investmentinitspeopleresonatedwithwhathewas seeking.Hetookthejobasaninternalauditorlookingfor waystoimproveefficiency,maximizeprofitabilityfor Emco'slocalbusinessunits,andminimizeriskexposure.

Overtheyears,Joëlhasplayedmultiplerolesinthe organization,andafterfiveyears,hewasdesignatedasthe NationalHealthandSafetyLeader.Atthetime,Emco's HealthandSafetyprogramwasadequate,buttherewasa realneedforleadershiptocreatebetterawareness, alignment,andinvolvementtoreducerisk,andmost importantly,keepitspeoplesafe.Assomeonewhogrewup withafatherleftpermanentlydisabledandunabletowork fromaworkplaceinjury,Joëlunderstoodtherippleeffects thatworkplaceaccidentscouldhaveandwantedto approachthedevelopmentofabest-in-classHealthand Safetyprograminanon-traditionalway

JoëlisfocusedonenhancingtheNationalHealthandSafety Program.Oncetherewasalignmentontheneedforaction, hestartedimplementingsmallchangesovertimethathave ledtosignificantreductionsinrecordableinjuries,better awareness,improvedinspections,improvedtraining completion,saferworkenvironments,andimprovedoverall H&Sculture.

Withallinitiatives,Emcoconsistentlyreinforcesthegoalof movingfromReactivetoProactive,fromTacticalto Strategic,andfromComplianceMindsettoCultureShift.

MissionandVision

Emco'smissionistobethefirstchoiceforitspartners, businessandhomeowners,neighbors,andcommunities. Emcostrivestoprovideworld-classserviceatevery location,everyday.Itslegacygoesbackacentury!And, today,itcontinuestoofferthepeople,places,andproducts tobackthosecommitmentsup.

Emco'svisionistotalcustomersatisfaction…always.Emco believeseverycustomer'sneedsareimportantandunique, anditusesthisasaguidingprincipletostockitsshelves.

ImpactfulApproachThroughDifferentPerspective

Astheonememberoftheinternalauditteamwithouta formalbusiness/financialeducationalbackground,Joëlwas oftenabletoapproachchallengesanddecisionsfroma slightlydifferentperspective,whichmayhavehelpedcreate somebalanceattimesofcrucialdecisionmaking.

Joëlexpressesthatperhapshislackofexpertise,ratherthan hisspecializationinsomeareas,allowedhimtohavethe greatestimpactinhisindustryandorganization.Joël's initiativestomakeorganizationalimprovementsandfind waysforEmcotobemoreefficientandsuccessfulwerenot marriedtosomephilosophyorlearnedprocess.Itwas basedongut,buildingrelationships,andlookingatthings strategicallytounderstandwherechallengeswerepresent thatcouldbeeliminated.

ASecureWorkCulture

JoëlstatesthatEmco'snumberonestrategicpriorityisthe protectionofallteammates,whichisreflectedbythe organization'ssafetymantra:'NoOneatEmcoGetsHurt.' Fromabusinessperspective,thismindsetisextendedtothe organization'sCoreValuesandKeyBusinessPrinciples, wherethephilosophyisbasedon'creatingasafe environmenttotaketherisk.'Emcopridesitselfoncreating ahigh-performanceculturebyencouragingleadersto emphasizebuildingtheirDreamTeamscomposedof S.W.A.N.'s(Smart–WorksHard–Ambitious–Nice).

Emco'skeybusinessprinciplesdrivetheorganization forward.Itsdecentralizedmodelallowsitslocalleadersto thinklikeownersanddevelopuniquego-to-market strategiesbasedontheirrespectiveclientbases.Themodel alsoallowsitslocalleaderstohavethefreedomtomake independentbusinessdecisionswithrespecttoalmostevery facetoftheirbusiness.Everythingfromproductmixto marketingtocustomermixisdecidedandmanagedatthe locallevel.

LeapingAheadwithTechnology

Joëlexpressesthattechnologyisevolvingatablistering pace,andthisrealityhasimpactedallindustries.Asaleader whosekeystakeholdersareinternalclients,leveraging technologytomakeprocessesmoreefficientandincrease profitabilitythroughtimesavingsandcostreductionis important.

Notably,EmcohasrecentlyinvestedinanewERPtoallow theorganizationtohavebetterconnectivityandeffectively futureproof.Ithasalsotakenthesteptomodernizeafew ofitsoutward-facingtechnologythroughinvestmentsina

self-serviceportalwherecustomerscanviewandpay invoicesonlineoronmobile.

ThesetechnologicalinnovationsallowEmcotoalignwith itsevolvingcustomerneedsforspeedandefficiency Furthermore,ontheHealthandSafetyfront,itisinvesting inbetterdataanalysistounderstanditsunderlyingrisks betterandmakevalue-addedandtargetedinvestmentsin safety.

TheLongRun

Joëlseeshimselfbeinginvolvedininitiativesthathelp Emcominimizeriskandmaximizeprofitabilityby supportingitspeopleandlocalleaders.Inbusiness,thereis aconstantneedtoevolveandbenimbletothrive,addsJoël. Heseeshimselfandtheorganizationfindingwaystofocus oninitiativesthatwillhelpthemremainaheadofthecurve andprovidevaluetotheircustomers.

LeadingtheUp-and-ComingEntrepreneurs

Joëladvisesbuddingleadersandentrepreneursto

continuallyinvestinthemselves,workhard,beambitious, and,mostimportantly,beauthentic.

“The key to success is building powerful alignment with others, and to do that, you must be approachable, genuine, and stand for what you believe is the most progressive path forward in both business and life," concludesJoël.

Sustainable Success

The Role of in LINF UENCE EADERSHIP

Theabilitytoinfluencepeoplearoundusisan essentialleadershipskill.Influencediffersfrom power,manipulation,position,orcontrolover others.Itisaboutinspiringattitudes,behaviors,andchoices tounderstandwhatmotivatesemployeestoperformbetter andusingthataspre-existingknowledgetodrivepositive results,fantasticcontribution,andpeakperformance.Being atrustworthyandexemplaryleaderhelpsinfluenceothers andmakeapositiveimpactonthem.Thelevelofinfluence goesonincreasingwithanincreaseintrust.

Tosucceedinthebusinessworld,leadersshouldhavethe abilitytoinfluenceandinspireotherstotakespecific actionsthatwillbenefittheirorganizationalgrowthand development.Amongdifferentleadershipstyles,leading withinfluenceisoneofthemostsignificantstylesthat assiststheleader'sopinionbevaluedbyothersonlyifthe leaderistrustworthy,credible,andexemplary.Leaders buildtrustbyestablishingcredibility Thefoundational elementsrequiredforestablishingcredibilityareintegrity, goodintent,competence,andproactivity.Leaderscan deliverfantasticresultswiththeiroutstandingcapabilities withthesefoundationalelements.

Influentialleadersarehonest;theycommunicatetheir intentions,theyhavecompetence,skills,andknowledgeto getthejobdoneproactively.Theircompetitiveand proactivenaturehelpsthemhavetheedgeoverothersand influenceotherswiththeircredibilitybecauseoftheir abilitytodelivergreaterresults.Theyengagewithothers andbuildagoodconnectionwiththeirteammembersand employeesandbringoutthebestinotherswiththeir positiveinfluence.Theyinvolvetheiremployeesandteam membersinmakingimportantdecisionsorproposing changes.Theypushtheiremployeestocapitalizeontheir innerstrengthsandpotentialtocontributetheirbestforthe organization'scause.

Today'sbusinessleadersunderstandtheneedtoinvolve, connectingandinspireothersintheirorganizationto achieveremarkablefeatsintheindustry.Whentheylead withaninclusiveapproach,theseleaderscannaturally

influenceothers,andemployeesalsoreciprocatewiththeir leadersbycontributingtoachievingorganizational objectivesmostdiligently.Influentialleadersdon'torder people,buttheymotivate,train,andinspireothersto performbetteranddeliverprofitableresults.Theyhave greatskillstounitepeopleforacommoncausefor completingvariousprojectsandaddressingtheneedsthat needtobeaddressedmosteffectively.

Influentialbusinessleaderstapthepotentialofallthe resourcesandareverygoodatconsensusbuilding.They inspirecommitmentfromothersforgreatcausesand achieveremarkableresultsandgreatorganizational intelligence.Theyareverycleveratinfluencingothersto getthejobdonemostefficiently Theyencouragetheirteam membersandemployeestobemoreinnovativeandcreative forachievingtangiblebusinessresults.Theyleveragetheir networktoempowerthemselvesandtheiremployees.

Businessleaderscaninfluenceotherswiththeirgood intentionsandproactiveactions.Theharmonybetween theirintentionsandactionsmakesthemevenmore influentialandhelpsthemcontributesomethingmeaningful totheindustry.Influentialbusinessleadersareopenminded.Theydemonstrateopennesstoutilizetheskillsand expertiseoftheiremployeesforthecauseoftheoverall businessgrowthanddevelopment.Leaderswhopractice accountabilitybydeliveringresultsandmeetingallthe stakeholders'needscancreatemoresignificantinfluence. Withtheseinfluences,theycangainmorecredibilityand canachievegreaterorganizationalsuccess.

Influentialleaderscanchangeortransformthemindsof otherstoachieveorganizationalobjectives.Goodleaders equippedwithgreatinfluencingabilitycandrive transformationalchangeintheorganizationsforthe tremendoussuccessoftheorganizations.Theyusetheir influencetoinspireothersformoreincredibleactions,make strategicdecisions,launchnewinitiatives,anddrive positiveorganizationalchange.Theydrivehigher profitabilityandsustainablesuccessfororganizationsthey leadwiththeirpositiveinfluence.

Start by Changing Minds

- By Patrick McCreesh

AbouttheLeader

PatrickMcCreesh,Ph.DistheManagingPartnerofSimatree,an advisorypracticefocusedonStrategy,Technology,andChange Management. Theyharnessthestrengthsofexceptionalpeople tohelpclientstransformtheirorganizationandbuildmodern solutions. HeisalsoadjunctfacultyatGeorgeMasonUniversity andGeorgetownUniversity.

Acrosstheglobe,manyorganizationsquickly

adaptedtothepandemicandmovedtheirteams, theirsupplychains,ortheirdistributiontoanew digitalplatform. Thisprocesscontinuestodayastheglobal economydrivestowardamoredigitalmindsetthrough digitaltransformation. Digitaltransformationistheuseof technologytostrategicallyredesigntheworkorcustomer interactionsofanorganization. Eachtimeanorganization goesthroughadigitaltransformation,thereisonecentral challenge–adoption. Howwilltheorganizationadoptand usenewdigitalassets? Willthecompanyadoptthenew technologyandyieldtheexpectedgainstothebottomline? Orwilltheemployeesresistthenewtechnologydelaying thedeliveryofgoods,services,andbusinessobjectives?

Therealquestioniswillpeoplechangeorwilltheyget Stuck?

MycolleagueVictoriaGradyandIhavecompiledover20 yearsofresearchinaforthcomingbookcalled Stuck: How to WIN at Work by Understanding LOSS (Routledge,March 2022). Thecentralfindingofourworkissimple,people don’tactivelyresistchange,insteadtheyhaveadeeply rootedbiologicalreactionthatinfluenceschangeresponse. Thechangetakesawaysomethingthattheyexpectedbe thereand,asaresult,itdisruptstheirbehaviorinthe workplace. Atechnologicalchangecanyieldanxiety, reduceproductivity,andcanleadtowithdrawaloreven attritionbyemployees. Anditisallbiologicallydriven.

ThebrainisreactingtothelossofMEL. ThisisaMemory, Emotion,orLearnedbehaviorthatispartoftheteam

member’s“operatingsystem.” It’sanattachment. Weall havetricksandhabitsthatgetusthroughtheday. Maybeit ishowwerespondtoemails,howwecommunicatewith others,orevenjustlittlethingswedothroughouttheday likeafavoritechairorbeverage. Alltheseobjectsor behaviorsdevelopinourintuitivebrainandcomewith certainmemories,emotions,andlearningsthatcreatedthat attachment. Whenweareaskedtochangeoneofthem,the responsewehaveisabiologicallydrivenemotional responsetriggeredbytheattemptofsomeonetochangeour MEL.

Howdowehelppeoplethroughadigitaltransformation understandingthisbiologicalphenomenon? Therearefour concretesuggestionsthatanydigitaltransformationleader candotoreducethereactionandincreaseadoption:

1. SpeaktoLogicandEmotion–Weknowthatpeople createattachmentswithmemory,emotion,andlearning;but weoftentrytogetthemtochangewithlogic. Itjust doesn’twork.Changesneedtobepresentedasbothlogical forthebusinessANDhavesomeconnectiontothepositive emotionsoftheteammember. Ifamanagerknowsthat someoneontheteamstronglysupportsthemissionofthe companyandwantsthatmissionrealized,thentalkabout howthechangesupportsthemission. Ifthepersonfocuses moreonfamilyandhomelife,findwaystodescribehowthe changehelpsthemspendmoretimewiththeirfamily(e.g., efficiency).

2. CreateaPrototypeoftheFuture–Sometimesdigital transformationscanseemabstract. Akeyleadermay

describeallthe“valuecreation”orthe“enhanced efficiency.”Thesewordshavemeaning,buttheycanbe hardtoconnectwiththebrain.Instead,itisimportantfor digitaltransformationstoprovidearealviewofthefuture. Sometimes,thatisanactualview–aprototype–thathelps teammembersfeelandtouchadigitalrealityratherthan justhearaboutit. Thiswillhelpshapeandadjustemotions throughnewlearningandmemories.

3. DefinetheTransitionalSpace–Oftenintheshiftfrom thecurrentworktoafuturedigitalstate,thereisaninbetweenperiod. Thistransitionalspacecanbeleveragedto easepeopleintothetransformation. Whenourbrainis movingfromsomethingweknowandlovetosomething unknown,wehaveadesiretoplaywiththeideaandcreate newsolutions.Withstronginformation-sharingand constructiveguidelines,leaderscandevelopatransitional spacethatencouragesco-creationofthechange. Without clearinformation,theteammembersmayfillintheirown transitionalspacewithrumors,conjectures,andtheworstcasescenario.

4. HelpformNewAttachments–Theshiftfromacurrent setofattachmentstoanewsystemrequiresthatpeople createnewattachments. Luckily,thereisatooltosupport thisprocess. Itiscalledatransitionalobjectanditcanbe usedtohelpsomeoneaddresstheirownuncertaintyand connectwithanewsystem.Unliketheadvicearound messagingabove,thesearetangibleobjectsthatateam membercanholdontoduringthechange.Oftennew systemrolloutscomewithsomesortofgiveawayor

knickknack.Therightobjectcanhelpsomeonedealwith theuncertaintyofthenewsystembygivingthematactile objecttoassociatewiththechange.

Ascompaniesmovethroughtheuncertaintyofathirdyear withCOVID,wewillcontinuetoseedigital transformationsthatre-shapebusinessesandindustries. Eachdigitaltransformationhasexpensesandanexpected outcometoenhanceproductivityfortheorganization. However,withouttherightadoptionthatyieldseffective useofnewtechnologythecosthasbeenawaste.Itisnot aboutthetechnology,buthowpeopleinteractwithnew technologyinadigitalspace.Theonlywaytodrivethe effectiveadoptionofdigitalassetsacrossmanypeopleisto helpeachpersonchange–onebrainatatime.

Severalaspectsareessentialforeverymicroenterprise,andoneofthoseaspectsisbetter accounting.Areliableaccountantcanassistthese enterprisestofocusonthelargergoalswithoutworrying abouttheiraccountmanagement.CharteredAccountant KaylaRussellisanaward-winningleaderwhomentorsa talentedteamdedicatedtotheirclients.SheisthePractice &BusinessServicesManageratPalfreymanChartered Accountantsthatoffersuniqueandtailoredaccounting plansformicro-enterprises.

WeatInsightsSuccesscaughtupwithKaylainour endeavourtofind'40InfluencersUnder40.'Wegotintoa conversationtoknowandunderstandherapproachtoeach businessandhowshecontributestoachievingthefirm's goals.

Let'sdelvein!

TheBuild-uptillNow

Itcanbechallengingtoestablishyourselfasabusiness leaderwhencommencingyourcareer.Kaylathinksthe factorsthathelpedhercreatethistypeoftrustandbuild relationshipswerededicationandinitiativeinherwork. Theseelements,coupledwithbeinginnovativeandhaving agenuinedesiretohelpherbusinessclientsandworkwith thefirmtosolvetheirproblems,helpedsetherapart.

Kaylahasbeenextremelyfortunatetoworkwithan amazingleaderinthefirm'sprincipal,SimonePalfreyman, whohasbeenextremelysupportiveandpresentedherwith theopportunitytostepupandtakeontheseresponsibilities

andgrowherleadershipskills.Shesays, "I feel it is important to surround yourself with the right kinds of people and build each other up. That's not to say it has been easy, it has certainly been hard work, but it's that sort of mindset that is willing to do the work that will get you there eventually.”

OneofthebiggestchallengesforKaylaistoalterthe perceptionamongclientsabouthertechnicalabilities.Asa youngerfemale,itcanbedifficulttobeseenasa knowledgeableprofessional;somebusinessownersweren't convincedofherabilities.Kaylaalwaystriesnottotake offensetothisandinsteadtakesamoreproactiveapproach toofferherassistancewherepossibleandworkonbuilding thoserelationshipsoftrust.Thishascertainlypaidoffand seenashiftinperceptionsandcreatedamazing relationshipswithherclients.

TheSynopsisoftheFirm

PalfreymanCharteredAccountantsisasmallbusiness specialistwithastrongfocusoneducatingitsclientstohelp themgrowtheirbusinessandsucceedintheirgoals.Its professional,customerservice-focusedapproachtomeeting andexceedingclientexpectationsiswhatsetsitapart.It takesaholisticviewtoensurethatallaspectsofitsclients' businessareconsideredandcateredfor

ValuedContribution

Kaylasaysthatbeingintheaccountingindustry,onewould thinkitisgenerallyabouttaxandcompliance-based services,andwhilethisisacorecomponent,itisnotonly

partofherrole.Thefirmspecializesinsmallbusiness, whichoftenaskstodealwithclientswithlimitedfinancial acumen.ThatmeansKaylamustexplaincomplextax situationsinalanguagethatiseasilyunderstood.She focusesoneducationandencouragespersonaland professionalgrowthinherclientsandthoseshementorsin theworkplace.Sheaimstoincreaseconfidencethrough knowledgeandempowerthosearoundhertotakegreater controloftheirbusinessesorcareers.

InclusiveWorkCulture

KaylaexpressesthatPalfreyman'sworkplacecultureisone ofsupportandinclusivity,withthemaindrivingfactor behinditpromotingahealthywork/lifebalance.It maintainsanexceptionallyhighlevelofqualityinitswork andpridesitselfonexcellentcustomerservicevalues. Palfreyman'steammembersarevaluedandappreciated.It regularlycallsuponthemtoprovideinsightandinputinto workplacepracticesandactivelyimprovetheworkplace. Thefirm'sworkplaceisbasedonaholacracysystemwhere everyone'sinputisconsideredandencouraged.

ImplementingTechnologyforBetterProficiency

Palfreyman’sisalwayssearchingforwaystoimprove efficiencyforitspracticemanagementanditsclients' businesses.Kaylastatesthatassmallspecialists,thefirm centresitsapproachoneducatingthoseitmentorstotake greatercontrolofthebusinesses,andinnovative technologieshavemadethisprocessmucheasier

Throughprovidingone-on-onetraining,Palfreyman’scan breakdowntheprocessesforclientsandgivethemthat feelingofempowerment,whichenablestheteamtofocus

onmorecomplexadviceratherthandataprocessing.Its practiceusescloudaccounting,digitaldocumentsigning portals,andelectronicworkpapersmeaningthatithas adaptedtotheever-changingworldduetotheglobal pandemicratherseamlessly.Usingthesesystemsalso assistsinthefirm'scommitmenttothecommunitythrough amoreenvironmentallyfriendlyapproachwithless printing,thushelpingtoreduceitscarbonfootprint.

SettingUptheFuture

Kayla'slong-termgoalsaretocontinueservicingtheneeds ofherclientsandimprovetheirlivesthrougheducatingand empoweringthemwiththeconfidencetotakecontrolof theirbusinessandachievetheirgoals.Shewantstocreate greaterawarenessoftheimportanceofemotional intelligenceinherindustryandseeashiftinclient perceptionswithmorepositiveinteractionsandrelationship building.

Kaylaaspirestohelpbridgetheknowledgegaps surroundingourtaxationsystemfortheyounger generationstoequipthembettertoentertheworkforcewith confidence.Shewantstocontinuebuildingherfirm's reputationasthebestsmallbusinessspecialist.Kaylahopes tomentorthenextgenerationofyoungleaderstoensure Palfreyman’scanreachmoreclients.

EffectiveGuidance

Kaylaadvisesbuddingleadersandentrepreneurstoinvest inthemselves.Shesays, "Spend your time and energy on improving yourself through self-reflection, education, and personal growth. It's a long-term investment that will really pay off if you're willing and open to change.”

"Do you know why in the aeroplane safety speech they say you must secure your own mask first? It's because if you can't breathe, you won't be able to help others, and I feel this is so true in so many aspects. Make sure you look after yourself so that your BEST self will show up willing and able to help others," concludesKayla.

Louw Barnardt Co-Founder and Managing Director

Outsourced CFO

Louw Barnardt

Offering Specialized CFO and Accounting Services to SMEs

Thebusinessworldconsistsofalargenumberof

smallandmedium-sizedenterprises.These enterprisesplayacrucialroleinshapingany country'seconomybyhavingamassivefoundationof innovationthatisbeneficialsociallyandeconomically. However,thesemicro-enterprisesoftenfinditdifficultto managefinanceandseekconsultants,whichcanbehectic andhardtounderstand.

AfinanceprofessionalandCharteredAccountant,Louw Barnardtfoundaloopholeinthefinancesystemand, togetherwithhistrustedassociates,venturedtoco-found OutsourcedCFO.Louwleadsateamoftalented individualsastheManagingDirector.

Louw’saimatOutsourcedCFO(www.ocfo.com)istohelp clientsbuildworldclassfinancefunctionsfortheirgrowing companies.

WeatInsightsSuccessgotintotheconversationwithLouw tolearnmoreabouthisjourneyandhowhehascontributed tothefinancespacethroughOutsourcedCFO.

TheEntrepreneurialJourney

OutsourcedCFOwasinceptedtoprovideabetteraccess leveloffinanceprofessionalsorCPAlevelfinance resourcestohelpSMEsgrowandexpand,asthese companiescannotnecessarilyemployfull-timeCFOs.

Theseresourceswouldhelpthembuildcompaniesona morefractionalbasis.Overtime,thecompanyimplemented innovativestrategiestorolloutvitalaccountingsupport functionsforitsclients.

Louwexpressesthatitwasquiteachallengetofindsolid offersandconvinceclientswithdecadesofexperiencein theindustry Asa25-year-old,itwasinterestingtofinda solutionbasedonhisqualificationoverexperience.Since then,Louwandhisteamboltedout,winningtrustfromone clientatatimewhilecreatingastrongleadershipteam.

AnothercorechallengeLouwcameacrosswastalent sourcing.OutsourcedCFOisapeople-centricorganization thatinvestsinitscultureandcorevaluestofindtheright individualstojointheteam.Italwaysstrivestoprovidea veryhigh-qualityprofessionaltoitsclientstoworkwith themontheirorganizations.

AchievingProfessionalExcellence

LouwstatesthatOutsourcedCFOoffersvariousservicesto itsclients,includingitsthreecoreofferingsviz.,CFO services,cloudaccounting,andautomation.

ItoffersCFOservicesforfundedcompaniestohelpthem growandscale.Cloudaccountingprovidesbookkeeping, reporting,accounting,andtechnologyforentrepreneursto understandandaccessnumbers.Lastly,automationservice isforsystemintegrations.Ithasasystemsteamthathelps clientstonavigatethedifferentcloudsystemsinthe operatingenvironmenttoensureasmoothandstreamlined flowofinformationinwhichthefinancefunctioncan flourish.

Louw’steamultimatelybuildsaworld-classfinance functionforentrepreneurialcompaniesandidentifiestheir roadmaptowardsscalableinfrastructuretohelphisclients' companiesgrowandsucceed.

‘‘

‘‘

AStrongImpactinEntrepreneurialMarket

Louwandhisco-foundersstartedthecompanykeeping entrepreneursinmindandknowingthatthesecompanies canhelpcreateeconomicgrowthandjobs,ultimately leadingtoasocialimpact.Hepushedtheboundaries regardinghowhisbusinessmodelworksanditstechnology tobeatthecuttingedgeofrunningabusiness.

Initially,Louwdidn'tknowthattheirteamitselfwould becomeacoreelementoftheirimpact.However,overtime, heunderstoodthateachpersonjoiningtheteamisan essentialpartofOutsourcedCFO'simpactintermsof careergrowthexperience,thelearningjourney,and personaldevelopment.Louwandhisteamensurethateach personexperiencesagreatcompanyculturewheretheycan flourish,betheirbest,andgrowfasterasapersonand professionalindividual.

Value-DrivenCultureFivecorevaluesdriveoutsourced CFO,andLouwensuresthateverypersonheemploys, lives,andbreathesthesevalues.

Ÿ FamilyFirst:ClientsandColleaguesaretreatedasa familywithrespectandarelookedafter

Ÿ Excellence:Strivingtodotheabsolutebestforthe clientwithultimateexcellence.

Ÿ IntegrityMatters:Maintainingahighstandardof molarityandethics.

Ÿ Switch-OnThinking:Pushingboundariesofthe industrybythinkingoutsidethebox.

Ÿ GrowthandSuccess:Aimingtogrowtogetherat personal,organizational,andclientlevels.

Louwsaysthatprogressishappiness,soheensuresthat everypersonwhoworkswithhimexperiencesadeveloping journey.

LeveragingTechnologies

Louwthinksthatthewaycloudtechnologyandthe accountingindustryaredevelopingatarapidpacecreates someveryexcitingopportunitiestospendlesstimeadding morevalueperprofessional,whichissuperexcitingfor clients.Hewantstostayatthecuttingedgeofcloud

technologydevelopmentinthefinanceindustry

SettingUpFutureGoals

Louwandhisteamhavesetabighairyaudaciousgoal(or BHAG)toreach10,000founder-ledcompaniesoverthe nexttenyears,empoweredbyateamof1000professionals.

“We feel that this would really make a dent in our universe.” Andit'snotjustaboutnumbers.Theyare dedicatedtobuildingaflourishingteam,ravingfanclients, andonlydoingsweetspotwork.Healsostatesthatthe companywouldachieveitsgoalsoonerwiththecurrent growthrate,strategies,tools,andtactics.

EmbracetoLead

Louwsuggestsfellowentrepreneursstayresilient,keepat it,andkeepfiguringbetterwaystocarryouttasks.Heasks themtofindoutwhatchangesareamustandmeetthe demandstostayrelevantanddon'tgiveupeasily.

Hesays,“Technology is changing the way finance is being done, and it's also changing the way companies work. It is a must to embrace technologies. I would want to challenge leaders, entrepreneurs, and finance professionals to make sure that you stay on top of technology. It is developing and changing the world so fast that if you don't follow suit, you might find yourself on the wrong end of the train.”

“Whether you lead a company or a team or anything elsepeople are what it's all about. You do business with people at the end of the day. So, make sure you invest in relationships, and you invest in networks as much as you can because that ultimately lifts the journey onwards and upwards as you move,” concludesLouw

Manny Hernandez Vice President of North America

Manny Hernandez

Driving Market Growth with Innovative Technologies

LongbeforeMannyHernandezwastheVice PresidentofNorthAmericaatQueclink,hewas aproductmanagerandoneofthebrightminds leadingthenationallaunchofthefirst3G+4Gdevice.His teamwasleadingthetechnologicalfrontierthatwouldset thecoursefortheInternetofThings.

Hisworkhasenabledotherstoprovidecontributionsthat acceleratedtheworld’sfastestmobileinternetspeeds,and today,thosespeedsarenow100timesfasterthanitwasin 2008.

TechCrunchreportedonthefirst4Glauncheventwhere formerSprintCEODanHessemarveledatthetechnology, saying, “This is the first of its kind device that allows our customers to take the internet with them wherever they go.” Itwasanunderstatementthen–,andthisproductlaunch wouldbringtolifeanewindustryandaneweraofmobile datacommunicationsthatwouldembeditselfintothefabric ofourlives,cultureanddriveneweconomiesforcloud services,automation,andtelematics.

Mannyneverthoughtthathewasafitfortheposition becausehewasnotformallytrainedinProduct Management.Mannywasfreshoutofcollege-heservedin theUSMarineCorpsasalogisticsmanagerandworkedin thefinanceindustrybeforejoiningFranklinWirelessduring theGreatRecessionin2007.

ThecompanymadeanexcellentchoiceasMannywould eventuallysigndealswithSprint,Comcast,TimeWarner, Clearwire,andGoogle.DuringManny’stimeatFranklin Wireless,thecompanyexperiencedawildrun-inrevenue, growingover10,000%from$2Min2007toover$100Min revenueby2011.UnderManny’sproductleadership,the companyearnedthe18thspotonDeloitte’sFast-500.

Weat Insights Success caughtupwithMannyHernandez andcongratulatedhimonthehonorofbeingselected40 InfluencersUnder40.WenowseetheresultofManny’s contributionthroughthenewembeddedmachines,smart appliances,sensors,andmorethan10billiondevices worldwide.

Below are the highlights of the interview:

IS:Thanksforjoiningus,Manny.So,let’sjumpintoit, howdidyougofromaproductmanagertoaVPatoneof thelargestGPScompaniesintheworld?Andwhat challengesdidyouhavetoovercometogettowhereyou aretoday?

Manny:GettingtoaspecifictitlebecamelessrelevantasI matured.Atthebeginningofmycareer,Iwantedtobecome anexpertatjustabouteverythingrelevanttomyindustry, soIstartedtolearnnewskillsonmyown.Iwasconstantly tryingtofigureoutwhatIdidn’tknow.Iwasfortunate enoughtopickupafewgoodbooksthathelpedelevatemy understandingofbusinessandfinance.Aftermanyyearsof doingaseriesofdifferentprojectsandseeingthecross dependenciesofeachrole,itbecameeasierformeto establishmyvalueasafunctionalleaderthatcanempower managerstodriveresults.

IthinkthechallengethatIhadtoovercomewasmy expectationstomoveupfast.Whileitonlytookmeabout5 to7yearstobeproficientinmyability–ittookmelonger togainactualexperienceinexecution.So,intotal,itwas abouttenyearsbeforeIwaseffectivelyequippedwiththe decision-makingandexecutionskillsIneeded,andthatwas verydifficulttocopewithuntilIwasabletoacceptthatI neededtowaitfortherighttimeinmycareertomoveup.

IS:Lookingatthebeginningofyourcareer,forsomeone thathadnopreviousexperiencewithengineering,howdid youovercometheexperiencegap?

Manny:Ilearnedtobeabetterlistenerandaskonlyafew goodshortquestions.Irealizedthatalotofmyformer peerswouldwastealotoftimeaskingquestionstobusy engineers,anditmighthaveappearedthattheyweretoo lazytolookfortheanswerortooinexperienced.Iguess thatIwasabletofigurethingsoutbeforeIaskedany questions–notalwaysthebestmethod,butitworkedfor meatthetime.

IS:Now,youareleadingtheNorthAmericanmarketat Queclink.Couldyoutelluswhatthat’slike?What’syour missioninthemarket?

Manny:Iloveit.Ihavebeeninthisindustryforquitea longtime,andIfeelthatQueclinkhasthebestportfolioand themostexperiencetodowellinthisbusiness.Ihaveto dependonmyexperiencetohelpusdeliveraconsistent experience.MymissionatQueclinkistobeagoodand reliablevendorforourclients.Iamcommittedtocreatinga betterOEMexperiencebyimprovingtheonboarding processwithourdevices,improvingoperational communications,andenhancingforecastplanning.

IS:Describeindetailyourvaluesandtheworkculturethat drivesyourorganization.

Manny:Asaculture,Ibelieveinthreethings:honor, courage,andcommitment–itwastaughttomeinthe MarineCorps,andIholdmyselfaccountabletoit.It’s simpleformetoexplainittopeoplebecauseifyouhave honorinwhatyoudo,youcanbecourageousindoing what’srightandholdthecommitmenttoseethingsthrough.

“A connected future where everything is online.”

AtQueclink,weareafamilyofpeopleinovertencountries thatarecommittedtoachievingalike-mindedgoalthrough ethicalmeans.Ithinkthatmeansalotsinceweareaglobal company

IS:So,intermsofrunningasuccessfulbusiness,what makesthatasuccessfuloperation?

Manny:I’veadoptedtheideathatyouneedthreethingsto operateasuccessfulorganization-people,process,and product.Ibelievethatyouneedallthree.Ithinkit’s obviouswhycompaniesneedgoodpeopleandgood products,butacompanywithoutaprocessfailstodeliver

IS:Whatadvicewouldyouliketogivetobuddingleaders andentrepreneurs?

Manny:Tobeagoodleader,youshouldbeagreat follower;itmayseembackward,butnothingwilloffsetthe experienceyouneedtoseehowyourespondtoother leadershipstyles.Teachyourself,readsomebooks,learn howtofindlessonsinyourfailuresbeforepointingat someoneelse’sfailures.Ultimately,thereisnotradeofffor theexperience;youhavetopolishyourskillsbeforeyou canusethemeffectively.

Global Master Coach - CEO

Best Me Ever Professional Coaching, Training & Development Services

Myke Celis

Myke Celis

Helping People Become their Own #Bestmeever

MeetMykeCelisaprofessionallifecoachanda CEOatBestMeEverProfessionalCoaching, Training&DevelopmentServices.Mykeisa whole-heartedpersonandalifechangerwhobelievesin celebratingthelifejourneyandworkstowardsachieving dreamsforthepeople.Hehastransformedmanylivesby teachinglifelessonstobecomeoverallbetterindividuals. Heisanopen-mindedandoptimisticprofessionalwitha wealthofknowledgeincoachingandself-improvement.

We,at Insights Success, caughtupwithMyketoknow moreabouthisjourneyandhowheishelpinghisclients gainclarity,overcomelimitingbeliefs,becomeempowered within,andachievetheirbiggestgoals.

Belowarethehighlightsoftheinterview:

Briefouraudienceaboutyourjourneyasaninfluential businessleader.Whatchallengesyouhadtoovercometo reachwhereyouaretoday?

AsIlookbacknow,IthinkmajorityofthechallengesI encounteredwerebasedonmyinternalbattles.Iusedto strugglewiththefeelingsofnotbeinggoodenoughand unworthinessandforquitesometime,evenifIwasalready achievingsuccessinwhatIdo,Ifeltemptyandincomplete. IrememberhowIusedtoquestionmyselfandmyabilities, whichledmetocomparemyselfwithothersmore, somethingthatheldmebackintheprocess.

WhenImanagedtoresolveallofthoseissueswiththehelp ofmyowncoach,IbegantoreapthedesiredresultsI wantedinlifeasIallowedmyselftobemyauthentic, unapologetic,grandestversionofmyself:myown #bestmeever.

#

What’sinterestingtoknow,asIredefinedmyownconcept ofsuccessandlivethelife,Ihavealwayswantedinthe processofembracingwhoItrulyam,thethingswhichused tobothermee.g.,competition,changes,judgmentsfrom others,takingrisks–theyallceasedtoexistbecauseI finallybecamecomfortablewithbeinguncomfortableasI steppedoutsideofmycomfortzone.

Tellussomethingmoreaboutyourcompanyandits missionandvision.

Mycoachingcompany,BestMeEverProfessional Coaching,Training&DevelopmentServicesfocuseson helpingindividualsandcompaniesbecomeself-actualized astheybecomeempoweredfromwithin.Hopingtobecome oneofthetopcoachingcompaniesworldwidesomeday whenitcomestoself-empowermentleadingtoselfactualization,Ilookforwardtoempoweringcelebrities,top executivesandhighlysuccessfulpeople,becometheirown authentic,unapologeticgrandestversionsofthemselves: theirown#bestmeever,astheygrowpersonallyand professionallyintothepersonthatthey’remeanttobe.

Enlightenusonhowyouhavemadeanimpactinyour respectiveindustrythroughyourexpertiseinthe market?

Ihavealwaysbeenconsideredadisruptorintheindustry. Yousee,Iwasthefirst-everopenlygayprofessionallife coachandinternationalbestsellingauthortobegivena chancetorepresentthecoachingindustrynotonlyin Philippinemediaasasubjectmatterexpertbutrather, globallyasIspeakinconferencesandbeinterviewedby variousinternationalmediaoutfitsaswell.

WhenIwasstarting,IrememberwantingtogivetheLGBT communityavoiceandarepresentationinthecoaching industrybecauseIadvocateforinclusivityandequality,a battlewhichIhadtofacewhilegrowingup.AndIamquite fortunatethatduringmyjourney,peoplehavelooked beyondmygenderandfocusedontherealvalueIcould giveasaprofessionalcoachandmentor

Now,seeinghowcoachingisfastgrowingasanimportant disciplineinthePhilippines,Ican’thelpbutsmileupon realizinghowadreamcansparksomuchchangeinsociety asIworkalongsideothermentalhealthprofessionalsto

ensurethatpeoplebecomementallyfitinaworldwhereno onegetsleftbehind.

Describeindetailthevaluesandtheworkculturethat drivesyourorganization.

Authenticity,Integrity,andSuccess.ThreecorevaluesthatI holdclosetomyheartandthatIsharewithmycoachees andmentees.Ihavealwaysbelievedthatbeingtrueto oneself,comingfromaspaceofself-loveandacceptance, allowsonetocomeupwithinspiredworkgroundedon honesty Asanadvocateofbecoming,one’s#bestmeever, excellenceisalwaysexpectedaseachonegives100%inall thathe/shedoes/becometoensurethatsuccess,nomatter howthatwilllooklike,becomeswithinreach.

Apositiveworkingenvironmentthatsupportsempowers andinspiresisonethingthatIimplementinmyspaceso thateveryonewithincomesfromaspaceofloveandjoy–somethingcrucialtotheirgrowthandtomycompany’s success.Ialwaystaketoheartthatattheendoftheday,ifI amabletohelpmypeoplegrowpersonallyand professionallyhappily,thentheywillalsobeableto contributegreatlytomycompany’ssuccess.

Ifgivenachance,whatchangewouldyouliketobring inyourindustry?

I’dliketohaveanofficialinternationalregulatingbodyfor coachingbecauseasofthemoment,thereisnoneifIam notmistaken.Ibelievethatasafast-growingdiscipline, certainstandardshavetobemetandpracticeshavetobe streamlinedaccordingly.Idoappreciatethepresenceofthe InternationalCoachingFederationandthewaytheyuphold thehigheststandardsofcoachingfortheirmembers.Maybe somedayitcanbecomearecognizedglobalregulating entityforcoachingonitsown.

Wheredoyouenvisionyourselftobeinthelongrun andwhatareyourfuturegoalsforyourcompany?

Iseemyselfrunningmyownbedandbreakfastcoaching placebythebeach,hopefullyinBoracay,holdingcoaching retreatsandworkshopsthereforlocalandinternational clients.Ialsoseemyselfandmycoachingcolleagues puttingupourownCoachingUniversity,thatwilloffer coachingcertifications,specializations,andevendegrees,if possible,toaspiringprofessionalcoaches,inahighly structuredmanner,withcoresubjectsandelectives accordingly

René Morkos Founder

Technologies

ALICE

Leader’s Viewpoint

When Construction MeetsAI

Theconstructionindustryhashistoricallybeenone thathasbeenslowtoembracenewtechnologies. The"triedandtrue"ispreciselythat,andgeneral contractorsandownersbothhavelongbeeninclinedto sticktoproductsandprocessestheyknow

Butdoingsohasnotbeentothebenefitofthosebuilding ourbridges,airports,andofficebuildings,nortothepeople whoultimatelydependonthoseessentialstructures.In relyingon"oldschool"tools,generalcontractorsregularly misstheircommitments.AccordingtoMcKinsey& Company,largeconstructionprojectsaretypically completed80%overbudgetandtake20%longerthan originallyscheduled.Thesearestrikingstatisticsfora sectorrepresenting10%ofglobalGDP

Thegoodnewsisthatwe'veseenaremarkableincreasein theamountofventurecapitalinvestmentinconstructionfocusedtechnologiesinthelastfewyears.Inturn,thishas ledtotheformationofahostofpromisingstartupsfocused onsolvingdifferentconstructionproblemsviatechnological innovation.Fromrobotsthatinstalldrywalltodronesthat inspectthequalityofweldingonoilandgaspipelines, theseemergingtechnologiesarehelpingcontractorstobuild faster,cheaper,andlessrisky.

Artificialintelligenceisatechnologythatcandrive significantchangeinhowthingsgetbuilt.AIisalready prolificinothersectors.Inthesecuritysector,itisusedto detectpotentialfinancialfraudandtosecureourairports.In customerservice,AI-powered"chatbots"areefficiently processingcustomerinquiries,helpingconsumerstodo everythingfromchangingaflighttimetomakingabank transfer Andinlaw,AIsystemsarequicklyreviewing documentssuchasnon-disclosureagreements,flagging potentialproblemswithgreateraccuracythanhumans,and inafractionofthetime.

Intheconstructionworld,startupsaretargetingdifferent usecasesanddifferentphasesoftheconstructionprocess. Forexample,Versatile.aiusesimagesthatitcapturesfrom crane-mountedcameras,incombinationwithanAIengine, tocompareactualsvs.plansandhelpcompaniesdetermine howtheirprojectsareprogressing.Thesedata-driven insightsareextremelyusefulasVersatile.aiusersworkto boostjobsiteperformance.

AtALICETechnologies,webeganwithanintensefocuson thepreconstructionphase.Traditionally,whendeveloping constructionschedules,generalcontractorshaveuseda productcalledP6--originallycreateddecadesago--as wellastoolslikeMicrosoftProjectandevenExcel.With

thesetools,developingschedulesisalong,laborious process.Andgiventheirlabor-intensivenature,such solutionsmakeitverydifficultforcontractorstodoany "what-if"experimentationtotrytofindmoreefficientways tobuild.WithALICE--anAI-poweredsimulationand optimizationplatformbuiltspecificallyfortheconstruction industry--contractorscandoallsortsofexperimentation intodifferentpotentialbuildingpaths.Doesitmakesenseto addanothercranetoourequipmentmix?Ifweruna framingcrewovertimeonSundays,istheincreaseinspeed worththeinvestment?ALICEmakesiteasytoexperiment withnumerousdifferentwaystobuild--andtopicktheone thatbestmeetsaclient'sbusinessgoals.It'sanapproach thatreducesriskwhilesimultaneouslyhelpingthe contractortotrimbuildtimesandcosts.

WiththeintroductionthisyearofALICEManage,we're alsohelpingcompaniestomonitortheirprogressagainst

theirinitialschedule.And,if(orwhen)circumstances changealongtheway--thinkofamaterialsdelay,alabor strike,orevenaglobalpandemic--customerscanusethe powerofAItoinstantlyrevisetheirplanandgettheir projectbackontrack.

Constructioncompaniesembracingsuchnewtechnologies faceorganizationalandprocesschallengesaswellas technicalones.Afterall,buildingarobotintoyour workforceorusingAItocreatethousandsofpotential constructionplansinanafternooniswildlynew,and companiesneedtoinvesttimeworkingthroughthepeople issuesassociatedwithsuchchanges.Butforcompanies willingtomakeaneffort,theoutcomescanbeextremely rewarding.Theycanmeetthepromisesthey'vemadeto customerswhilesimultaneouslyreducingtheirriskand boostingtheirmargins.Itisatantalizingfuture--anditis herenow

About the Author

René Morkos is the founder of ALICE Technologies and teaches at Stanford University's Ph.D program in construction engineering. René obtained his Ph.D. in articial intelligence applications for construction as a Charles H. Leavell fellow at Stanford. He is a second-generation civil engineer with over 15 years of construction industry experience divided between industry and academia. René's professional experience includes working as a project manager in Afghanistan, underwater pipeline construction, automation engineering on a $350 million gas renery expansion project in Abu Dhabi, ERP system implementations, and various Virtual Design and Construction projects.

Nick Greeneld

Promoting Wellbeing of People by Redefining Oral Health Using Modern Technology

High-qualityorthodonticsshouldbeaffordableand accessibletoeveryone.Itwasthisideathat inspiredNickGreenfieldtostartCandid,a companythatisredefiningoralhealthbyusingmodern technologytohelpdeliverhuman-focusedcare.

Nick’sskillsreallylieinpinpointingwhat’smissingfrom thecurrentmarketofferings,findingsolutionstothe problemswiththoseofferings,aswellasbetteringtheir ownofferings,andscalingstrategicallyandsustainability. Hehasalwaysbeenapioneeringleaderwhokeepson findingsuperiorsolutionstoeverydayplights.

Nick’scareerjourneybeganatLyft,wherehewasoneof thefirstemployees.There,hehelpedlaunchtheservicein eightmarkets,fromSanFranciscotoWashingtonDC.Since then,hehasbeeninvolvedinanumberofstart-upventures throughouthiscareer,includingParibus(acquiredby CapitalOne),whereheservedasCOOfortwoyears.

Shortlyafterco-foundingCandidin2017,Nickhelpedstart RedesignHealth:aventurestudiofocusedonbuildingthe nextgenerationofhealthcarecompanies.Ithasraised$250 millionsinceitsinceptionandhas25companiesand countinginitsportfoliothathasbeenideatedinternallyand launchedfromscratch.

FacilitatingExceptionalOrthodonticCare

Candidisonamissiontodemocratizesafeandclinically superiordentalhealthcareandfacilitatestraighter,brighter, healthiersmilesacrossthecountry.Itbelievesthateveryone shouldhaveaccesstoexceptionalorthodonticcareno mattertheirlocationorsocioeconomicstatus.

Candidworksexclusivelywithorthodontistsandhas developedtechnologiesthatallowittoofferoutstanding remotecare,reducetheneedformultiplein-officevisits, anddrasticallycutdownonthecostoftreatment.

DeliveringHigh-QualityOrthodonticTreatmentat AffordableCost

Nickmentionsthathistorically,orthodonticshasbeenan expensivein-officetreatment,oftennotcoveredbydental insurance.ButCandidisreinventingorthodonticstobe accessibleandaffordablewithoutcompromisingonpatient careorclinicalexcellence.

CandiddoesitlargelythroughitsAI-driven CandidMonitoring™telehealthcaresolution,whichallows orthodontiststocheckinontheprogressoftheirpatients’ teethremotely,atanytime,anywheretoensurethattheir teetharefollowingthecourseofthetreatmentplan.

Candidisleadingtheindustrybyallowingorthodontiststo deliverexcellentcarewithouttheadditionalhassleandcost tothepatient.Itstelemedicinedeliverysystemhasallowed ittobealeaderindeliveringhigh-qualityorthodontic treatmentatapricepointthatismuchmoreaccessibleto consumerswithoutsacrificingquality.

Mostrecently,thecompanylaunchedCandidPro:its “orthodontics-as-a-service” offeringdesignedspecifically tohelpdentalandorthodonticpracticesdrasticallyincrease theirnumberofthenewcasestartswhilegeneratingthe single-mostprofitableper-chair-hourprocedure.With CandidPro,CandidisabletobringitslearningsfromDTC intothedentalpracticetoofferlow-cost,accessible,and

affordableclearalignerstopatientsgearedinremote monitoring.

BuildingBusinessRipeforDisruption

Asthefirst-everorthodontist-directedtelehealthcompany, Candidisbuildingafairlynewtypeofbusinessinan industrythatisripefordisruption.Ithashadthe opportunitytomakeitsownrulesandbuildateamfilled withfolkswhopossessanundeniablepassionforthework onbothanindividualandcompany-widelevel.

Candidvaluesout-of-the-boxthinking,determination,and desiretodomore. “We have seen this play out in a number of ways, including employees driving hours out of their way to meet with doctors in the Candid network or a group of colleagues traveling down to Mexico City to visit our philanthropic partners at Smile Train, all to get that inperson experience and interaction,” saysNick.Candid’s teammembersthroughoutthecompanytakeonthis responsibilitytolearn,withoutprompt,topursuetheirown passionsandinterests.

“At Candid, CandidMonitoring makes it easy to take scans of your teeth and track your progress from home. Your scans are reviewed to optimize your treatment and also evaluate your overall oral health.”

UpdatingBothClinicalandExperimentalAspectsof Technology

As a telehealth-first company, the bulk of Candid’s care is provided remotely. Therefore, the company relies on its advanced technology to support its orthodonsts and paents through each clear aligner treatment. When paents come into Candid’s studio, it ulizes a cung-edge dental imaging system that simultaneously records 3D, intraoral color, and NIRI images to get the most accurate informaon possible to create its 3D-printed aligners

Candid’sremotemonitoringtechnologyisunlikeanything elseonthemarket–itutilizesapatent-pendingremote TM monitoringsystem(CandidMonitoring )andits CandidAppforpatient-doctorcommunicationsandtracking treatmentprogress.Itcontinuestoupdatebothclinicaland experientialaspectsofthetechnologytoensurepatientsare achievingthebestpossibleoutcomesandemergingtheir mostconfidentselves.

ProvidingAffordable,Safe,andSuperiorDental Healthcare

Fromtheverybeginning,Candid’sgoalhasbeentoprovide affordableyetsafeandclinicallysuperiordentalhealthcare. Thisisbecauseitdidnotbelievetheoptionsavailableon themarketweremeetingthesestandards-theywereeither lesseffectivebutaffordableorhighlyeffectiveand extremelyexpensive.

Candiddoesnotbelievethatpatientsshouldbeexcluded fromhigh-qualitydentalhealthcarebasedonlocationor socioeconomicstatus,especiallysinceouroralhealthcan greatlyaffectouroverallhealth,primarilytherespiratory andcardiovascularsystems.So,thecompany’sgoalhas alwaysbeentobethatchangeintheindustrybygiving anyoneandeveryoneaccesstoitscare.

ExpandingRangeofProductsandServices

Nickexpressesthattherearealotofopportunitiesfor innovationandgrowthwithinboththedentalcareand telehealthspaces,andhehasalotofexcitingplansfor Candid,includingafewstrategicpartnershipsand expandingitsrangeofproductsandservices.

Candidhasmorestudiolocationopeningsintheworksand planstoonedayexpandbeyondtheUStobringits methodologytotheglobalmarket.

AdvicetoEmergingOnes

Inhisadvicetoemergingentrepreneursandleaders,he says, “Starting a company is all about learning from your failures to make the product better. If you have an idea, test it out. Look at the market and ask ‘Does this exist already?’ and if not, determine whether there is a hole in the market that needs to be filled.”

Rethinking Traditional Training: TheForgetfulCurve

Picturethisscenario–youaresittingatacomputerin thebreakroom,preparingtotakeyourannual trainings.Theacridsmellofslightlyover-cooked microwavepopcornpermeatestheroom(butterflavored,if youwerewondering),andyouhearapageforadepartment thatisthankfullynotyours.Youclick“begin”andthe pixelated,tinnysoundingvideofromthe80spopsuptelling youallaboutsexualharassment.Youreyesglazeover immediatelyasyoudisengage:ifthey’regoingtomakeyou watchthisoutdatedcontent,yourattentioncan’tbethat necessaryanyway

Eveninamoreidealscenario,researchtellsusthatwithin1 hourofreceivingtraining,theaveragepersonwillforget 50%ofwhattheylearned!Within24hours,70%;and withinoneweek,90%.Ineducationcirclesthisiscalledthe Forgetting Curve (Murre,2015).Withbetterengagement levels,moreknowledgecanberetained,butthenumbers arestillstark.Employeeswillforgetmostofwhatthey learn,despitecorporatetrainingbeinga$60billion industry

Whydoesthe Forgetting Curve exist?Atanygiven moment,yourbrainisreceivingthousandsofbitsof information.Smells,sounds,sights,feelings,aches,pains, nerveimpulses,andmuchmoreisfloodingourbrain.The brainsimplymakesanoteandignoresunlesswebringour mentalfocusandattentionontoit.Thetrainingyour employeeislisteningtoisoneofthosebitsofinformation floodingtheirbrainwithalltheothermessages.Experience thephenomenayourselfwiththistest,seenbyalmost25 millionpeopleasofthiswriting.

So,istrainingalostcause?Howdowemakeourcontent standoutamongstalltheotherimpulses,sowecanflatten the Forgetting Curve?Thefirststepisavoidingdistractions –reducingtheinformationgoingtothebrainthatis distractingitfromyourtrainingisthefirststep.Thesecond isengagement,whenanemployeeisactivelyengagedwith trainingtheywillretainmore.Thethirdkeytothepuzzleis focus. Neurosciencestudiesshowthatwhenanindividual isintenselyvisuallyfocusedonsomething,itgreatly reducesalloutsidestimulifromdistractingthebrain.

Finally,Ebbinghaus(2013)andMurre(2015)foundthat wheninformationlearnedisrepeatedthereisa“savings measure”wheretheamountoftimetolearntheinformation

asecondtimeis20-25%lessthanthefirst.Repeated measurescanincreasethistimesavings.Thistellsusthat repeattrainingswillbemoreefficientatrelating informationandcanalsoincreaseretentionofthe information.

Alsoconsiderprojectsandtasksthatforcetheemployeesto utilizewhattheyhavelearned,whichwillhelpthem understandandretainthelearningbeingpresented. Explicitlystatingtheconnectionsbetweenthelearningand thetaskbeinggivenwillalsoincreasetheretentionand helptoflattenthelearningcurve.Fatherofmodern educationaltheory,JohnDewey,explainsthatwhenwe learnfromexperiences,wemakeforwardsandbackwards connections,andtheprocessofexperiencingbecomesthe learning(Berding,1997).Thistheoryhelpsinformhowto createqualityadultlearning–interactiveandcreative experientialtrainingsthatrequireexperientialelementsand scenariosthatrequirethelearnertoreflectandengage.

Thistellsusweneedtrainingthatisbothmentallyengaging andvisuallyengagingenoughtohelptheemployeeto focus,andthatitshouldbedoneinanenvironmentfree fromdistractions.Inthemodernworkplaceitcanbe difficulttoachieveallofthese,astrainingisoftenthirdpartypurchasedandcanbeblandorgeneric.Considera specializedtrainingprovider,suchasin2vateLLC,which utilizesalloftheseconceptsforengagingtrainingdelivery

AbouttheAuthor

Dr. David Epstein, Ed.D is the content manager and instruconal designer at in2vate, LLC. He is also a project manager, eLearning developer, curriculum writer, researcher, and web designer.

To me, the most important thing is to have a positive impact in the world. So find your purpose,lead with integrity, and always strive to give back. This fuels energy and success.

Philippa Dods Head of Markeng Meltwater

Philippa Dods

Thereareplentyofwomendoingincredibleworkin thetechindustryallovertheworld,whilemaking spaceforothersatthetop.Oneofthesewomen, whocaughtourattentionhereatInsightsSuccess,is PhilippaDods.

PhilippaistheHeadofMarketingforAfricaatMeltwater, thegloballeaderinmediaintelligence.Here,sheis responsibleforthestrategydevelopmentandexecutionof marketinginitiativesandintegratedcampaignsacrossthe continent.

Sheisalsotheco-founderofWomenInTech,aMeltwater initiativecreatedtobuildamutuallearningexchange, resultinginprogressivefemaleleadershiponaglobalbasis.

Inhersparetime,PhilipparunsFutureFemalesFoundation, anonprofitorganisationfightingtoeradicategender-based violenceanddiscrimination.

Wecaughtupwiththephilanthropicbusinesswomanto learnmoreaboutherjourney

Below are the highlights of the interview:

Philippa,congratulationsonbeingselectedasoneofthe Top40InfluencersUnder40!You’vehadaninfluential careersofar.Canyoutellusmoreabouttheworkyou doonaday-to-daybasis?

Myfull-timedayjobisHeadofMarketingatMeltwater,for theAfricanregion.Ioverseethemarketingactivitiesand campaignsacrossall54Africancountries.Meltwaterisa globalmediaintelligencecompany-thesoftwarehelps clientstracktheirbrandreputation,managesocialmedia campaigns,andunderstandindustrytrends.

It’ssuchanexcitingindustrytobein.I’msogratefultodo workthatIloveinaspacethatisreallyattheforefrontof bigdata,innovation,socialmediaandanalytics.

Irecentlylaunchedanonprofitorganisation(NPO),called FutureFemalesFoundation,whichIruninmypart-time capacity,separatefromMeltwater.

The Ambitious Trail-Blazing Change-Maker

FutureFemalesFoundationworkstocombatgender-based violenceanddiscrimination.Weworkontech-enabled, community-driveninitiativesthataresafe,scalableand sustainable,toeradicategender-basedviolenceandsupport, upskillandempowersurvivors.

Allmylife,I’vebeenpassionateaboutachievinggender equality.

Iwanttoseeequalrepresentationofwomenacrossall industries,Iwanttoshortenthegenderpaygap,Iwantall womentobefreetochoosetobewhoandwhattheywant.I strivetocreateequalopportunities,andtoopendoorsfor womenwhocomeafterme.Iworktowardsgender equityinbusiness,entrepreneurship,politics,sportsand society AndIaimtocombatgender-basedviolenceand discrimination,whichiswhyIlaunchedFutureFemales Foundation.

That’samazing.I’msurebothmustkeepyoubusy! Howdoyoujuggleboth?

IthelpsthatI’mpassionateabouttheworkthatIdo,and thatI’vealignedmypersonalvalueswiththecompany’s.

Meltwaterisagloballeaderinmediaintelligence,amajor playerinthetechindustryandapublicly-listedcompany. It’ssoexcitingtobeattheforefrontofmediaintelligence andinnovation.I’menthusiasticaboutmarketingandthe impactthatitcanhaveonbrands,businessesandthe bottomline,solovewhatIdoonaday-to-daybasis.

Italsomakesiteasiertoworkforacompanywhosevalues youalignwith.Meltwater’scorecompanyvaluesareMoro, theNorwegianwordfor“fun,enjoyingwhatyoudo”Enere meaning“numberone/averagejustisn’tgoodenough,” andRespekt,meaning“respect,treatingallpeoplewith respectandhumility.”Thesevaluesarestronglyaligned withmyownpersonalvalues.

FutureFemalesFoundationhasfivecorevalues;whichwe holdtruetothecentreofeverythingwedo,everyactionwe takeandeverydecisionwemake:Compassion,Advocacy &SocialJustice,Diversity&Inclusion,Peace,andBig, Bold&Brave.

We’reheretomakebig,bold,bravemoves.We’rehereto talkaboutwhatscaresus,theuncomfortable.Wepromise thateverythingwedoisrootedinandwillcomefroma placeofcompassion.Wearepassionatesocialjustice fighters,whovaluediversityandinclusion,andwilltake peacefulformsofprotestandactiontocreateanonviolent worldinthefuture.

Thesearestronglylinkedtomypersonalvalues,too.

Canyoutellusabouttheinitiativesyou’rerunningat FutureFemalesFoundationandhowouraudiencecan getinvolvedorhelp?

WearecurrentlyrunningtheFutureFemalesFoundation FinancialIndependenceProgram,athree-monthprogram forsurvivorsofgender-basedviolenceinSouthAfrica.

Duringthecourse,theylearnpracticalskills:sewing, beadworkandgarmentproduction,aswellasfinancial literacy,entrepreneurialandbusinessskills,sothattheycan starttheirownbusinesses,becomefinanciallyindependent fromabusivepartners,andfindfinancialandemotional freedom.Duringtheprogramtheyalsogetaccesstotrauma counsellingsessionsandmotivationaltalks,torebuildtheir self-confidence.

WearealsorunningConsentWorkshopsforschoolboysto teachthemaboutsexeducation,andconsent.Webelieve thatpreventionshouldstartearlyinlife,byeducatingand workingwithyoungboysandgirlstopromoterespectful relationships,sexualhealthandeducation,andgender equality.Workingwithyouthwillhelpustoachievea sustainablewayofpreventinganderadicatinggender-based violence.

Pleasereachouttousifyou’dliketogetinvolvedinany way,help,donateorvolunteer

Technologyisplayingasignificantroleinalmostevery sector.Howareyouleveragingtechnological advancementstomakeMeltwater’ssoftwaresolutions resourceful?

Meltwaterhasmorethantwodecadesofexperience,55 officesacrosssixcontinents,andacompanyculturesecond tonone,thathascontributedtothebrandbecomingaglobal player

Meltwaterleadsthewayinstrategicacquisitionsthathelp usstayaheadofthecurveandimproveouroverallproduct offeringofsoftwaresolutions.We’vecompleted10 acquisitionsoverthepast3years,andwearededicated,as acompany,tostayingattheforefrontoftechnological

advancementsandblazingthewayfortherestofthe industry

Arecipientofseveralawardsincludingbeingvotedasthe number1MediaMonitoringSoftwarebyG2Crowd subscribers,Top50BestProductsforMarketers2020,Best CompanyforHappiness,BestCompanyforWomen,Best CareerGrowthandBestCEOsforWomen,Meltwater createdahugeimpactinthetechworld.

IbelievetheinternalWomenInTechinitiativethatyou co-foundedatMeltwaterhashadabigimpactonthe companytoo.Canyoutellusalittlebitmoreaboutit?

Morewomenintheworkplaceisproventoincrease profitability

Infact,genderdiversityhelpstomakecompaniesmore successfulineveryaspect,includingbetteremployee retentionrates,broadertalentpools,morecreativityand collaboration,enhancedcustomerexperience,aswellas morerevenue.

Yet-womenarestilllargelyunderrepresentedintheSTEM industries(science,technology,engineering,mathematics), specificallytech.

So,Ijoinedforceswithtwocolleagueswhofeeljustas stronglyaboutgenderequality,andweco-founded Meltwater’sWomenInTech.

WomenInTechwaslaunchedtocreateadigitalcommunity withintheMeltwaterorganisationtoshareideas,continue learning,andbeinspired,tocreateasafespacefor employeestotalkabouttopicsthatgenuinelymatter.

Viaactiveparticipationandsupport,togetherwehopeto buildamutuallearningexchange,resultinginprogressive leadershiponaglobalbasis.

Wehostquarterlyglobal,onlineevents,whereweinvite fellowinspirationalwomenleadersintechtosharetheir adviceandwisdomwiththosetryingtobreakthroughthe industryforthebetter

Whatadvicewouldyouliketogivetobuddingleaders andentrepreneurs?

Tome,themostimportantthingistohaveapositiveimpact intheworld.Sofindyourpurpose,leadwithintegrity,and alwaysstrivetogiveback.Thisfuelsenergyandsuccess.

To learn more about the work Philippa does, or to contact her, visit www.philippadods.com

Rogayeh Tabrizi Founder and CEO

Theory+Pracce

Rogayeh

Tabrizi

Leading Complex Science with Artful Simplicity

Overtheyears,leadershiphaschangedtomeetthe

requirementsofmoderntimesandever-changing businesslandscapes.RogayehTabrizihas cultivatedateamthatpracticeshonestandopenfeedback anddevelopedanenvironmentwherecontinuouslearning andcuriosityisrewarded.Leadingthistypeofenvironment allowsRogayehandherteamtoasktherightquestionsto ensureTheory+Practicedrivesvaluefortheirclients.

Throughherlensofphysicsandbehaviouraleconomics, Rogayehnoticedthebusinessworldwasapproachingdata fromadata-firstperspectivewhereasshesawthetrue potentialofdatastrategiesbeingunlockedwithabusinessfirstapproach.Thisobservationledhertoco-found Theory+Practice,whichoffersarangeofservicestohelp theirclientsstayaheadofanever-changingmarket, includingdataanalysisandvalue-firstdatastrategies, automatedandintegratedAI,andbehavioraleconomics.

AstheCEOofTheory+Practice,Rogayehanalyzes behavioraleconomics,gametheory,andbehaviorpatterns insocialnetworksandseestheneedforcorporationsto understandtheirdatabettertoservetheircustomers.

TheEntrepreneurialJourney

Attheageof20,RogayehcametoCanadaandcontinued heracademiccareerinphysicswheresheearnedher Masters;however,shelatercompletelyshiftedacademic pathsandachievedaPh.D.inEconomics.Thechanges

shapedandgavehertheconfidencetotacklesignificant businessproblems.

Rogayehhasfacedseveralchallengesinherprofessional careerbuttookthemasopportunitiestoimproveandallow Theory+Practicetoevolveandgrow.Herco-founded venturestartedwithoutanyfunding,bootstrappingthe company.Anearlychallengewasthatitwasdifficultfor enterprisestotakethecompanyandtheirpromises seriouslybecauseoftheirsize,scale,history,and background.Asasmallfirm,workingwithinfluential organizationsandgovernmentdepartments,workingon projectsthataresometimesordersofbillionsofdollars, thereismuchcomplexitytonavigateinthosehighly complicatedenvironments.

Theory+PracticenowworkswithseveralFortune500 companies,andtheycontinuouslyprovetheirvalue.The teamcontinuestolearnandgrowandenjoysthechallenges thatthelarge,complexdataworkofFortune500companies presents.

MissionandVision

Thecompanyisbridgingthegapbetweentheoryand practicewithafoundationalground-upapproachto problem-solvingandputtingquestionsfirst.Withexclusive skillsandanintellectuallydiverseteam,Theory+Practice hascometogethertacklingandsolvingitsclients'big complexproblemswithpassion,ambition,anddedication

togeneratingvalue.Itsacademicandculturaldiversity providesaccesstouniqueperspectives,fosterstrue innovation,andcreatesarealedge.

Theory+Practiceispassionateabouteducationand approachingAIinavalue-firstway.So,anintegralpartof theirAIprojectsiseducatingandtrainingtheirclient's internaldatascienceteams.Bytheendofproject deployment,theclient’sinternalteamshavelearnedalot. Andthatisthebeautyofcombiningtheoryandpractice.

TheEffectiveImpact

Theory+Practiceworkswithleadingcompaniesatan executiveleveltohelpthemtranslatetheirbusinessstrategy toadatastrategyandthenhelpthemexecuteit.Rogayeh statesthatthecompanyconsistentlybypassesthedata organizingexercisescommonlysidetrackinglarge organizations,utilizingthedatatogetAIsolutionsinto productionandscale.

Theory+Practicedemonstratesthought-leadershipin deployinginnovativeend-to-endstrategiesthatapproach problemsbusiness-first.Itmixestraditionalskillslike

computersciencewithmanydifferentacademic backgrounds,suchasfinance,behavioraleconomics, sociology,andpsychology Thisinnovativeapproach uniquelyharnessestypicallyoverlookedPh.D.skills,likea deepunderstandingofgametheoryandsocialnetworks, creatingvalueandallowingspectacular(andpreviously unattainable)outcomes.It’steamisalsoproudlydiversein gender;50%ofitsscienceteamisfemale!Theory+Practice leadsbyexampleinthetechindustryandhopestoinspire andtrainthenextgenerationoffemaletechleaders.

TheteamRogayehhasbuiltisfullofbrilliantanddiverse people,anditisdoingthingsnotablydifferent,whichis whyFortune500companiesareseekingthemout.Itslean teamisachievingoutstandingresultsandnottakingadatafirstcookie-cutterapproach.Itrecentlybuilta recommendationmodelforalargeinvestmentmanagement company Themodelequipsthecompany'sregional managerswithinsightonwhotheirmostvaluable customersareandthemostappropriateproductsforthem. Thisworkdeliversanachievableaddedvalueofbetween $2.12billionand$42billion!

RobustPillars

Theory+Practicestandsonthepillarsofinnovation, determination,andcollaboration.Rogayehexpressesthat sheemphasizesindependentthinking,honestfeedback,and thedrivetolearnandimprove.Everyteammemberisan independentthinkerwhochallengeshowthingsaredone andapproachesworkthroughthelensofconstantly improvingandthatthereisalwaysabetterway

Inasimilarvein,thecompanychampionshonestfeedback internallyandfromclients.Havinganenvironmentwhere teammembersfeelcomfortablesharingpositiveand negativefeedbackissomethingRogayehhascarefully cultivatedatTheory+Practice.Builtinternallyonaculture ofexperimentation,thisextendstoitsclientsandpushes themtowardsexperimentation.Andthisisoneoftheways thecompanybridgesthegapbetweentheoryandpractice. So,whileTheory+Practicevaluesandpracticesteamwork, honestfeedback,experimentation,andcontinuallearning, equallyvitalisstrivingtoapproacheverythingwith humility.

SignificantRoleofTechnology

RogayehstatesthatTheory+Practiceisatechnology companywithdeepexpertiseinAIanddata,focusingon businessvalue;technologyisonlytheretounlockbusiness

Celebrating Navid's (Data Scientist) successful Ph.D. defense with some of the team.

value.Itusesthetechnologiesavailableincreativeways. Asatechnology-agnosticcompany,itcanunlockbusiness valueregardlessofoperatingsystemordatastorage methods.

Rogayehasserts, "The beautiful thing about technology is that it is continuing to advance, and we are fortunate enough to work at the leading edge of things that are happening. For us, it's really about how we can utilize that technology to make users/customers' lives better and create value for businesses. That is where the opportunity lies today, and that is the philosophy of theory and practice.”

AboveandBeyond

‘‘ ‘‘

The

Scienceof Complexity. TheArtof Simplicity.

Aimingtowardsalarger,broader,andmoreglobalscalethe Theory+Practiceteamwillremainfocusedoninnovation andcontinuetoproblem-solveusingtheiruniqueapproach ofTheory+Practice.Itwillfocusonbringingthenextsetof newtechnologies,newinnovativeapproaches,and technologiesandtechniquesthatwillhaveaglobalimpact.

WiseWordsforEntrepreneurs

Whilebequeathingbuddingentrepreneurs,Rogayehsays, "It's all about people. People in your team and with

partners and clients. Believing in people and investing in them is crucial. Think about questions first, don't spend a ton of resources not knowing what you want to do. Then experiment, experiment, experiment! Results are best when a talented team takes the time to focus, start small, and experiment.”

"Building a roadmap is another great tool that gives a leader confidence in their direction and reduces any misgivings. So, to sum up, my advice, people are key, ask questions first, and always experiment!" Rogayeh concludes.

Susanne Skov Diemer Founder and CEO (Risk Mitigation, Crisis Management, Intelligence and Security Specialist and Advisor.)

Inaconstantlychangingworld,newrisksariseand dynamicriskmanagementisrequiredinthese increasinglyuncertaintimes.Risksaretoodynamic andtoounpredictableforout-datedrisksmanagement approaches.Theworldismoreinterconnectedand technologicalthaneverbefore,whichenablessomerisksto changeandescalategloballyandrapidly

Inglobalbusinessenvironmentsofconstantchange, companiesshouldviewriskmanagementfromamore strategicperspectiveratherthanasatraditionalcompliance andlosspreventionfunction.Viewingriskmanagementasa keyfactortoachievestrategicgoalspaysoffsinformof highergrowth.

Prevention&preparation

Toavoidlossesandtoprotectassetsisonlyapartofrisk management.Securitydoesn'tmakeyoumoney,butitdoes preventyoufromloosingit.Anditisanessentialbusiness enabler.Thesecurityandintelligenceworldrepresentsthe voiceoftheinconvenienttruth.Wehavetheknowledgeand know-howthatmightbetemptingtoignore,butnoonecan affordthatinthelongrunorshould.Preventionand preparationisalwaysthelessexpensiveoption.

Topreparepeoplebothprivatelyandprofessionally,I recentlywrote"YourUrbanCRISISSURVIVAL PLANNER.WiththisbookIhopetopasstheawareness, understandingandknowledgetopeopleandpreparethem totakeresponsibility

Crisis,risks&dominoeffect

Acrisisnevercomesalone.Acrisiscreatesadominoeffect crosssectors,crossborders,crossdepartment.Ithasan impactonturnoverandhumanresources,customersand

By Susanne Skov Diemer

employees,internallyandexternally,andinthepresentand thefuture.AsWinstonChurchillfamouslyremarked"never letagoodcrisisgotowaste".Wecanlearn,developand improve–andpreventfuturecrisesbylearningfromthe currentcrisis.

Timingiseverythingandthebesttimetoprepareand preventfuturecrisesarenow,aswearecomingoutofa globalcrisis.

Thecurrentcrisishasmadetheworldevenmoredigitaland technologicaldependent.Withthat,manynewrisksare arisingandshouldbehandled.Morehackers,more phishing,moreransomwareattacks.

Today´sfuture

Whileresearchers,historiansandscientistsoftenlooktothe pasttogatherinformationandlearnfrompastmistakesand studylessons-learned;intheworldofsecurity,we constantlyhavetolooktothefuture.Criminalsdonot enjoypredictabilityandnewtechnologicalopportunities andrisksarise.Itrequiresustolookforwardandbeonthe rise,alertandimplementingnewmeasures.Tomorroẃs worldwillbedifferent.

Awareness

Securityandriskawarenessiskey.Bybeingawareofthe risksandpotentialdangersofemergingtechnologiesand thecurrentbusinessenvironment,weassurethefoundation toprevent.Anotherkeyistotakeresponsibilityratherthan playingablamegame.Weeachhavetocontributeandbe partofthesolutionratherthanpartoftheproblem.By facingrisks,wecanminimizerisks.Byoverlookingthem, wemaximizethem.

Vetting

Morestaffvettingisrequiredtroughoutthesupplychain. Management,employees,partners,freelancers,producers, consultants,customers,subcontractors...Withapandemic, globalizationanddigitalization,humaninteractionis decreasingconsiderably Wehavebecomeevenmoredigital andtechnologicalduetoCOVID.Manypeoplehavebeen hiredvirtuallyandareworkingtogethervirtuallywithout havingactuallymetfacetoface.Withthis,newchallenges andnewrisksarise.Morebackgroundchecksandvetting arerequired.NumerousstudiesofCVsthroughouttheyears showthesameresults;peoplehaveatendencytowrite inaccurateCVs.Fromsmaller"improvements"toactual fakingCVs.Thisissueismorecurrentandrelevantthan even.Doyouknowwhoyouareactuallyhiring?Whoison theothersideoftheoceanorscreen?Whoistheweaklink inyourorganization?

Companiesareusingmorefreelancersandconsultantsthan beforeandthistendencyislikelytokeepgrowing.Along withthegrowth,risksemergethatwemustcover.Itstarts withawareness-withunderstandingandknowledgeofthe risksinordertotaketheoptimalactionsteps.New measuresandimplementationsarerequired.

Theknownsandtheunknowns

Themediaandsocialmediaarefulloffakenewsand inaccuratenumbers,whilemanystoriesremainuncovered, unofficialorconfidential.Statisticsdoshowthatcyber attacksareincreasingconsiderately.Whatwedońtknow aretherealfigures.Manycompaniesarehackedwithout knowingit,otherskeepitasecret-ortryto.Andthe figuresandstatisticsdonotshowtheactualpriceand hiddencostofchainreactionswhenthereisacyberattack–forexampleanincreaseininsurancepremium,operational disruptionordestruction,lostvalueincustomer relationship,valueoflostcontractrevenue,devaluationof tradenameandlossofintellectualproperty.Manyofthese costsarelongterm.

Criticalinfrastructure

Ourcriticalinfrastructureisvulnerableandunderattack. Wehaveseencountlessattacksoncriticalinfrastructure aroundtheworld,especiallythepastyear.

Theattacksonourcriticalinfrastructureshowthatnoopen societyisimmunetoattacksbycybercriminals.Andthat

cybercrimeisthebiggestthreatintodaýssocietyas nationalyearafteryear,countrybycountry. Andthatcyber crimeisthebiggestthreatintoday´ssocietyasnational intelligenceagenciesalsopointoutyearafteryear,country bycountry

Thestakes,risksandbillsarehigh.Theattacksandfailures oncriticalinfrastructurecanresultindevastatingchain reactions.Weneedtoworkcloselytogetherandalltake responsibility–citizens,companiesandgovernments.With moresynergies,morecrossborderandcrosssector,and moreresponsibility.Preventativeactionsareconstantly required.

Thechallengesofriskmanagementincreasebythelackof awarenessofrisksandofpeople'srolesandresponsibility asfaraspreventingandcontrollingrisks,andofwaysof usingriskdataandnewtechnologiesandtools.

Riskmanagementshouldplayanimportantoffensiveand defensiverole.Itisimportanttopreventativelyand proactivelyassistacompanyinachievingstrategicgoals, innovation,andresilience.Andafuture.

Shivani Pillay

Empowering Women to Step Up

Whenyourealizeyourpassionanddiscoveryour purpose,youcanachievethegreatest milestones.Anembodimentoftheabove statementisShivaniPillay,theManagingDirectorat WickedDips.

Combiningherpassionforthemotorindustrywithher purposeofempoweringotherwomentoachieveanything theywant,ShivanihassetastrikingexampleofInfluential Leadership.

Inourendeavortofind40InfluencersUnder40,wecaught upwithShivanitoknowmoreaboutherjourneyandhow shehascreatedanimpactinherrespectiveindustry.

Below are the highlights of the interview:

Shivani Pillay, Managing director Wicked Dips

Briefouraudienceaboutyourjourneyasaninfluential businessleader.Whatchallengesyouhadtoovercometo reachwhereyouaretoday?

Mybusinessjourneybeganoveradecadeagowithvery humblebeginningsinmymum'sgarage.Iwasonly21 yearsold,freshoutofschoolwithatoddler.Ayoung femalewithapassionforanindustrydominatedbymales. Myvisionforthebusinesswasalwaystogrowsomething fromnothingandtoshowotheryoungwomenthatthey couldachievetheimpossible.Ihitthegroundrunning,and Inevergaveanyoneelseintheindustrytheopportunityto forgetmybrand.Ialwayshadaverystrongonlinepresence andtookadvantageofeveryopportunitytogetmyname outthere.

Witheverysuccesswehad,therewasalsoafairshareof unforeseensetbacks.Afewofthechallengesthatwe experiencedwerethingssuchaslogisticsandthemost commonofallbusinesstraumas,financialwoes.Oncewe overcametheseteethingissuesandgainedmomentum,we wereluckyenoughtohavegottenfinancialassistanceto takeustothenextlevel.

Iwentontolargerpremisesandbecamethesoledistributor fortheentireKwa-ZuluNatalprovince.

Tellussomethingmoreaboutyourcompanyandits missionandvision.

Mycompany’smissionistobeahouseholdnameinthe motorindustry.Myvisionslieprimarilywithempowering youngwomenandpreviouslydisadvantagedindividualsin businessandgivethemtheconfidencetobelievetheycan achievetheirgoalswithatouchofhardworkand perseverance.

Enlightenusonhowyouhavemadeanimpactinyour respectiveindustrythroughyourexpertiseinthe market?

Iwasthefirstorganizationtouseaproductofthiskind,it wasinnovativeandnewtechnologythatwasneverbefore

seeninSouthAfrica.Throughtonsofresearchandhoursof trialanderror,webecametheleadingcompanyin removablecoatingsinSouthAfrica.Wethenwentonto providetrainingtoothercompaniesandgavethemtheskill setandknowledgetoopenandexpandtheirownbrands andbusinesses.

Describeindetailthevaluesandtheworkculturethat drivesyourorganization.

Thevaluesandworkculturewithinmyorganisationare fairlysimple,neversaynever!Anythingispossibleinthe worldtoday,andbycreatingapositiveworkenvironment we,inturn,driveourstafftoachievetheunthinkable.

Undeniably,technologyisplayingasignificantrolein almosteverysector.Howareyouleveraging technologicaladvancementstomakeyourcompany’s solutionsresourceful?

Advancementsintechnologyhaveallowedustoprovide ourclientswithaproductthatiscompletelyremovable, withoutcausinganydamagestotheoriginalbodywork. Originallytheproductwasrubber-basedanddidnotreact welltoanychemicalsorevenfuelspillagesthatwould causetheproducttobubbleandpeeloff.

Wearenowabletoprovidecoatingsthatnotonlymimic originalpaintbutcanbetreatedthesamewaytoo!Youcan buffandpolishyourcarthesamewayyouwouldyour originalfactorypaintwork.

Ifgivenachance,whatchangewouldyouliketobring toyourindustry?Iwouldliketocreateaproductthathas self-levellingproperties,thiswillalleviatealotoftime spentsandingoutunevensurfaces.

Wheredoyouenvisionyourselftobeinthelongrun andwhatareyourfuturegoalsforyourcompany?

Beingafranchisedcompany,Iseemyselfexpandingacross theglobe.Iwouldalsoliketoexpandfullyintothepanel beatingandmajorbodyworkindustryasthiswouldwork handinhandwiththeproductsandserviceswealready supplyandapply.

Whatadvicewouldyouliketogivetobuddingleaders andentrepreneurs?

TheadviceIwouldliketooffertobuddingleadersand entrepreneursistonevergiveup.Startsmallandgrowinto yoursuccess,havingasolidfoundationwillenableyouto buildanempire.Successdoesnothappenovernight.

“Work hard and push through the trying times for rewards that supersede even your own dreams.”

Instilling Commitment

UNLOCKING OF PERSUASION

Humanbeingsaremoreemotionalcreaturesthan

rational.Thenaturalresponseofhumanbeingsis basedontheirprominentfeelings.Mosthuman beingsmakedecisionsbasedontheiremotionsratherthan theirintellect.Ifwegenuinelywantpeopletodo something,weneedtotapintotheiremotions.Evokingthe feelingsoremotionsofpeoplewithavarietyofmethodsis thepowerfulabilitytoconveyourmessagetothemand promptthemtotakespecificactions.

Conveyingourmessagetogeneratepositivevalenceand higharousalinpeopleinfluencesthemtomakedecisionsas weexpectfromthem.Positivevalenceandhigharousalare relatedtohappyandexcitingfeelingsinpeople,andthey aremorelikelytorespondpositivelytotheappealweare making.Thegutdecisionpromptsthebraintoreact positivelybyappealingtopeople'sfeelings.Peoplemay forgetwhatyousaidordid,buttheywillneverforgethow youmadethemfeel.

Toeffectivelyinfluencepeople,therehastobeanactivation ofarousalofpositivefeelings.Arousingpositivefeelingsin peopleispossiblewithstorytellingskills,powerfulwords, sounds,andsightsthatappealpositivelytotheiremotions. Communicatingmessageswithaparticularlanguage,

confidence,goodbodylanguage,andemotionalappealwith captivatingwordscaninfluencepeopletomakedecisionsas theywouldlikethemto.Thepowerofpersuasionhelps businessleaderscontrolthepeople'semotionalresponseby lettingthemtakeactionsaspertheirrequirements.

Theartofpersuasionhelpsbusinessleadersbringoutthe bestintheiremployeesandattractconsumerstothe productsandservicesoftheorganizationstheyareleading. Lettingpeopleknowthebenefitsofproductsorservicesis alsomorecritical.Havingtheskillofpersuasionand

THE POWER OF SUASION

invokingactioninpeopleisessentialforbusinessleaders.It alsohelpsthemeffectivelynegotiateallprofitablebusiness dealings.Theartofpersuasionortheabilitytoinfluence otherstohelpbusinessleaderspromotetheiremployeesto takebeneficialactionsforthemselves,theorganization's overallgood,andallthestakeholdersassociatedwiththe organization.

Utilizingthepowerofpersuasionforthegreatergoodofthe organizationalresultsandthewelfareoftheconsumersby deliveringsomethingvaluabletothemisethical.Itshould

beutilizedbybusinessleadersmorecreativelyfor enhancingtheirbusinessoutputs.Tappingthepowerof persuasionhasbecomemoreaccessiblewiththeutilization ofsmartdevicesandsocialmediaplatforms.Ifthebusiness leaderseffectivelyutilizetheavailablemediums,theycan reapmoreincrediblebenefitsthroughthispowerof persuasion.

Communicatingimportantmessagesinastraightforward andcrystal-clearlanguageismoreappealingtothetarget audiencethanelaboratedetails.Artofpersuasionhasmore todowithinspiringpeoplethanmanipulatingthemtotake specificactions.Influencingothersforagreatergoodis alwaysanobleconcept.Ethically,employingthisartcan leadtopositiveorganizationalresults.Influentialbusiness leaderstaptheirpotentialtoinfluenceotherswiththepower ofpersuasionforpromptingthemtomakepositivechoices thatwillbringoverallgoodresults.Theseleadersunlock theirpowerofpersuasiontohelppeoplemakebetter professionalandpersonaldecisions.Theartofpersuasion bringsbehavioralchangeinpeoplefortheirgreatergood andsuccess.Influentialbusinessleadersunlockthepower ofpersuasionforpropellingeveryoneforwardalongwith highorganizationalsuccess.

Financial Advisor

Alex Brown. A Division of Raymond James

Zachary Garber CFA

Zachary Garber

A Trusted Advisor and a Passionate Leader

Leaderswhoaresuccessfultodayknewhowto

defineacommongoal,communicateitclearlyto theirteam,andensuretohavetherightresourcesto makeithappen.ZacharyGarberCFA(Zack)isamong thoseleaders.

ZackistheClientAdvisoratAlex.Brown,aDivisionof RaymondJames.Withhisenthusiasmandthoughtfulness intohiswork,Zackstrivestohelpclientsseamlessly navigateallaspectsoftheirfinancialwell-being.

Let’sunveilhowhisjourneyinthewealthmanagement industrystarted.

AnUrgetoExploreaCareerinWealthManagement

UpongraduationfromEmory,Zackmadethedifficult decisiontosellhiscollegestartuptojoinDeutscheBankin itsglobalwealthmanagementtrainingprogram.After completingtheglobaltrainingprogramandworkingfor threeyearsonthestructuredsolutionsteam,hedecidedto attendtheWhartonMBAprogram,wherehestarteda fantasysportscompany.Havingsoft-circledinvestment capitalandhavingmadethesemi-finalsoftheWharton BusinessPlanCompetition,Zackwasonceagainfaced withthedifficultdecisionofrunningthestartupcompanyor furtherexploringacareerinwealthmanagement.

Throughaperiodofself-explorationandexaminationof aspirations,heultimatelydecidedthathecouldcreatethe largestplatformforpositivechangebyjoiningandgrowing hisfather’swealthmanagementpracticeatAlex.Brown. Hefeltthatacareerinwealthmanagementwouldbemore intellectuallyfulfillingforhimandwouldallowhimtoplay auniqueroleasatrustedadvisortofamiliesand institutions.

Throughouthisjourney,Zackhasbeenblessedtohavean incrediblementor-hisfather.Beforejoininghisfather’s practice,hedevelopedhisownexpertisebygraduatingwith honorsfromtheMBAprogramatWharton,completingthe CFAdesignation,andworkingforfiveyearsintheindustry

ConsistentApproachtoWealthPlanning

ZacharyisamemberoftheGarberWealthManagement Team,whichispartofAlex.Brown,aDivisionof RaymondJames.Heandhisteamstrivetoprovide customizedwealthmanagementsolutionswithhigh-touch, excellentcustomerservice.Theybelievethattheyareonly asgoodastheirlastclientinteraction,particularlygiven thattheirbusinessisprimarilybuiltonword-of-mouth referrals.

Thecompany’smissionistoserveclientsinawaythatit expectstobetreatedandprovideanexperiencethathelps clientsdevelopaconsistentapproachtosophisticated wealthplanningquestions.Zackstatesthatitisessentialto helpclientsmakeinformeddecisionsinuncertainvolatile markets.Thecompany’svisionistobeatrustedadvisorto helpclientsandinstitutionsbuildaplatformtocreate positivechange.

AFacilitatorofMeaningfulConnections

Zackbelievesthathehasmadeanimpactintheindustry throughhisconsistentcommitmenttoalong-term investmentapproachandclientexcellenceinan environmentinwhichmanyfocusonthenextshort-term trade,fad,ormemestock.Hestrivestoensurethatheis makingapositiveimpactontheworldthroughhiswork professionallyandpersonally.

Inanindustrythatsometimeshasanegativepublic perception,Alex.Brownstrivestoleverageitspractice,

“

By learning something new each day, developing an additional meaningful connection with a new person, and investing wisely for the long-term over time, you will find success.

investments,andfirmresourcestofacilitatemeaningful connectionsandsupportgrowthinthelocalcommunity.

Zackdoeshisbesttoactasatrustedresourceanda facilitatorofmeaningfulconnectionsamongcommunity leaders,businesses,andindividuals.Inadditiontohiswork inwealthmanagement,herunsapodcast,“CharmCity Dreamers”,inhisfreetime.Thepodcasthighlights visionaryleadersinBaltimorewhosegroundbreakingwork inareassuchasraceequity,digitalaccess,foodinsecurity, mentalhealthandaddiction,andthefutureofindustry

shouldserveasamodelforlocalandnationalchange.He hopesthathisworkwithintheprofession,aswellashis involvementinBaltimore,inspiresothersintheindustryto dreambiggerandtoleveragetheirresources,network,and timetobenefittheirrespectivecommunities.

AHeritageofTrustandExpertise

Zackismotivatedbytheprivilegeofbeingatrustedadvisor tofamiliesandinstitutions.HementionsthatAlex.Brown takesresponsibilityasadvisorsonsignificantfinancial assetsextremelyseriously Theorganization’scultureof transparency,authenticity,anddedicationtoconsistent, informed,process-drivendecision-makingensuresthatits clientsreceivethecustomizedsolutionsandguidancethey needtomakeeducatedwealthmanagementchoices.

Thecompanystrivestotreateachclientwithrespectheor shedeservesandlistentotheirneeds,goals,andrisk tolerancebeforeacceptingfundsormakinganyinvestment plans.Hebelievesthatitshigh-touch,sophisticated approachtowealthmanagementisthereasonthatthe clientsenjoyworkingwithandshareitsnameinthe community.Ultimately,thecompanyaimstohelpits communityandeducatethosearoundtomakeinformed decisionsoninvesting,preserving,anddonatingoneof theirmostvaluableassets:theirwealth.

FutureAspirations

Zackhopesthathisworkintheindustryinspiresothersto leveragetheirresources,knowledge,andconnectionsto helpthecommunityaroundthem.Furthermore,heaimsto continuetobringtransparencytothewealthmanagement industry.Healsohopesthatinaworldofmemetradingand short-termism,hecancontinuetohelpthosearoundhim continuetoinvestforthelong-runandrememberthattime andpositivecompoundingisthemostvaluableinvestment tool.

Zackenvisionshimselfcontinuingtogrowandexpandthe team.Hehopesthathewillmakeadifferenceinthe communitythroughhisprofessionalworkandactasa trustedadvisortothosearoundhim.

Inthefuture,hehopesthatwhenpeoplespeakofthe GarberWealthManagementTeam,theywilldiscussthe integrity,unwaveringcommitmenttoexcellentclient support,anditsthoughtfullong-termapproachtoproviding customized,consistentinvestmentsolutionsamidsta volatile,dynamicmarket.