Most Influential Business Leaders To Watch Out

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Krishna Mohan President GENIUS VISIONARY INC

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Dear readers, It is with great pleasure and anticipation that we present to you the latest edition of The Enterprise World, dedicated to showcasing the “Most Influential Business Leaders to Watch Out.” In a world marked by dynamic shifts and unprecedented challenges, the resilience and vision of these leaders stand as beacons of inspiration for the global business community.

In the pages that follow, you will find in-depth profiles and exclusive interviews with individuals who have not only navigated the complexities of the contemporary business landscape but have also left an indelible mark on their respective industries. These leaders embody the spirit of innovation, perseverance, and strategic thinking that propels businesses towards new heights.

As the editorial team delved into the selection process, it became apparent that the honorees share common threads of excellence, a commitment to ethical leadership, and a relentless pursuit of excellence. From groundbreaking entrepreneurs who have disrupted traditional business models to seasoned executives who have transformed established corporations, each profile provides a glimpse into the strategic minds steering the course of global commerce.

Throughout the issue, you will encounter stories of triumph over adversity, insights into leadership philosophies, and a reflection on the evolving nature of business in the 21’st century. As we celebrate these influential figures, we also invite you, our esteemed readers, to draw inspiration from their journeys and consider how their strategies and philosophies can be applied to your own professional endeavors.

In addition to profiling these exceptional leaders, this issue features expert analyses, industry trends, and thought-provoking commentary on the future of business leadership. Our aim is to not only recognize those who have already made a significant impact but also to spark discussions that will shape the next generation of business leaders.

On the cover of this magazine issue, we have featured Krishna Mohan (President of GENIUS VISIONARY Inc.) Krishna is a decorated business consultant helping businesses achieve their goals. With an extensive experience of 26 years in sales, business development, and finance, he is playing an instrumental role in the company’s success. In the special profile section, we have featured Brandon Sherwood (Co-Founder and Chief Investment Officer at Cortex Technology Capital).

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On the cover of this magazine issue, we have featured Krishna Mohan (President of GENIUS VISIONARY Inc.) Krishna is a decorated business consultant helping businesses achieve their goals. With an extensive experience of 26 years in sales, business development, and finance, he is playing an instrumental role in the company’s success.

Throughout his illustrious career, Krishna has helped three Fortune 500 companies and several start-up organizations. He has achieved definitive and long-term outcomes in Team Leadership, Information Technology, Data Center Consulting, and Client Relations, and has generated millions of dollars in annual profits.

Krishna has always been passionate about entrepreneurship and creates value through acquisitions. He has been actively looking for opportunities to buy and grow small businesses that match his interests. His networks with various brokers, investors, and advisors have helped him in his acquisition journey. Moreover, Krishna has made a well-thought-out infrastructure within the organization to ensure productivity. He has hired a competent and motivated team to manage the day-to-day operations of the business. Krishna has been using his experience to spearhead the growth of Genius Visionary.

In the special profile section, we have featured Brandon Sherwood (Co-Founder and Chief Investment Officer at Cortex Technology Capital). With an impressive educational background and a diverse career, Brandon has cultivated a reputation for his remarkable financial understanding and expertise. As one of the iconic leaders to watch in 2023, Brandon embodies the qualities and attributes that inspire and motivate others to strive for excellence in their entrepreneurial endeavors.

LEADERS IN SPOTLIGHT

For the cover read about-

CONTENTS

12

Krishna Mohan

From Coffee Fields to Cloud Forests: Manizales’ Enchanting Beauty

Brandon Sherwood Unleashing Innovation and Redefining Success at Cortex Technology Capital

American Express: A Journey that Revolutionized the Financial WorlD

10 Steps to Finding a Banking Partner That Supports Your Entrepreneurial Vision

UPSHOT

22 Exclusive Profile

32 CASE STUDY

42 Article

52

12 | November 2023

Cover Story

MOHAN A MULTIFACETED VISIONARY DRIVING BUSINESS GROWTH

Krishna Mohan | PRESIDENT

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T

he business landscape has witnessed major shifts in the past two decades. Businesses have shifted from conventional methods to digital ways, especially from the onset of the pandemic. Many of the changes induced by the pandemic have been permanently adopted by businesses. Amid all these changing circumstances, the importance of business consulting has increased multiple fold.

”

Businesses That Can Identify And Capture These Opportunities, As Well As Diversify Their Portfolios And Markets, Will Be Able To Increase Their Revenues And Profitability.

”

14 | November 2023

Today, business consultants play a major role in guiding companies towards growth. Krishna Mohan (President of GENIUS VISIONARY Inc.) is one such decorated business consultant helping businesses achieve their goals. With an extensive experience of 26 years in sales, business development, and finance, he is playing an instrumental role in the company’s success.

The Multifaceted Leader Krishna completed his Master’s Degree in Marketing Management MMM, MBA-International Business, and an MS in Finance. There, he gained valuable insights and skills in various industries and domains. He also participated in various projects involving business valuation, due diligence, negotiation, and integration.

Throughout his illustrious career, Krishna has helped three Fortune 500 companies and several start-up organizations. He has achieved definitive and long-term outcomes in Team Leadership, Information Technology, Data Center Consulting, and Client Relations, and has generated millions of dollars in annual profits.

Krishna has always been passionate about entrepreneurship and creates value through acquisitions. He has been actively looking for opportunities to buy and grow small businesses that match his interests. His networks with various brokers, investors, and advisors have helped him in his acquisition journey. Moreover, Krishna has made a well-thought-out infrastructure within the organization to ensure productivity.

He has hired a competent and motivated team to manage the day-today operations of the business. Krishna has been using his experience to spearhead the growth of Genius Visionary.

Bouquet of Services Genius Visionary offers a multitude of services to its clients. Here are some of them. Ÿ Business Growth Advisory: Genius Visionary helps clients grow their businesses by providing

Cover Story

customized and professional advice, new market entry strategies, ecommerce strategies, and more. Ÿ Business Coaching:

Ÿ Business Funding Advisory: It assists clients in collecting and securing funding sources for their businesses, such as private equity, venture capital, or loans.

The company offers training services to Ÿ Business Consulting: clients who want to improve their overall business skills in all aspects of Genius Visionary provides consulting business, leadership, and performance. services to clients who need support for

their business matters, such as entity structuring, energy consulting, real estate consulting, and more. Ÿ Mergers and Acquisitions: The company enhances the process of buying or selling businesses, by providing valuation, due diligence, negotiation, and closing services.

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16 | November 2023

”

Cover Story Ÿ Partnering for Growth:

Post-Pandemic Business Scenario

It assists clients to identify and establish strategic partnerships that can enhance their business growth and competitiveness.

The pandemic has disrupted many aspects of work and life and has created new challenges and opportunities for businesses. It has increased the use of digital, tech, and analytic solutions in various industries.

Moreover, the shift to remote and hybrid work models has helped in understanding organizational resilience and the importance of human capital.

Ÿ Powerful Exit Strategies: It helps clients to plan and implement effective exit strategies for their businesses, such as selling, merging, or liquidating.

Besides the aforementioned services, Genius Visionary provides some additional services to make a mark. To stand out, it provides a single platform for all business solutions. Genius Visionary provides a vision to create a productive business environment and a thriving economy. Leveraging the relationship of trust, value, and work it has with clients, the company provides detailed insight into clients’ current business goals, values, processes, and financial resources. It concentrates on bringing about a 360-degree change in the business models with a new approach to leadership.

Paving the Way to Success Krishna had his fair share of setbacks in the initial days of his struggle. Some challenges he faced during that time were building a team, hiring, training, and retaining talented and motivated people. He wanted employees who shared his vision and were able to contribute to the growth and success of the company. Time and trial have polished the company’s business advisory services into a carefully crafted art that is established on profound market analysis, financial knowledge, and business skills. He adds, “We are proud to have served various businesses across different industries in the market that imparted us the experience required to run a shrewd business management consultancy”.

Krishna mentions that the pandemic has also created new opportunities for growth and innovation in some sectors and regions that have been less affected by or more resilient to the crisis. He further adds, “Businesses that can identify and capture these opportunities, as well as diversify their portfolios and markets, will be able to increase their revenues and profitability.”

Innovation Leads to Business Growth Krishna believes innovation is important for growing the company, especially for acquisition entrepreneurs who face the challenge of transforming an existing business into a more competitive and profitable one.

According to him, innovation can be implemented in many forms. From introducing new products or services, improving operational efficiency, enhancing customer satisfaction, expanding into new markets, to acquiring complementary businesses, innovation is necessary.

He further asserts that to add value as an acquisition entrepreneur, business leaders need to have a clear vision of how they can add value to the business they are buying, and how they can leverage its strengths and overcome its weaknesses. They also need to have the skills and resources to achieve their vision and handle the change process.

We are proud to have served various businesses across different industries in the market that imparted us the experience required to run a shrewd business management consultancy.

”

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These skills include creativity, adaptability, and resilience in the face of uncertainty and risk.

He adds, “Innovation can help you create a positive impact on your industry, society, and environment by solving problems, creating opportunities, or enhancing sustainability.”

Team with a Shared Vision Being an acquisition entrepreneur, Krishna is interested in buying and growing existing businesses. He believes that the workforce of every business plays a significant role in its growth. The workforce represents the culture and values of the business that affect the performance and reputation of the business.

existing customer base, supplier relationships, and brand recognition of the business to increase revenue and market share. To enhance the business in terms of efficiency and competitiveness, he has implemented operational improvements and strategic initiatives. Ÿ Delegation & Flexible: Krishna has built a strong team that shares his vision and thought process for the business. He has empowered them to be accountable for their roles and responsibilities by providing opportunities for learning and development. Moreover, he has nurtured a culture of collaboration, innovation, and brilliance within the organization. Ÿ Social Impact:

cleaning specialist for commercial properties, in 2021. He also invested in new equipment, training, and marketing to enhance the company’s reputation and reach. He grew the company’s customer base by 30% and its revenue by 35% in the first year.

These are just two of the many client success stories Krishna shared. These stories positively impact his businesses, employees, customers, and communities.

Further Expansions Krishna believes in carrying a growth mindset. He tackles the same by seeking and exploring new opportunities and markets and scaling and growing the company. He aspires to expand his company’s reach by creating a unique and fascinating brand identity, value proposition, and customer experience. He fosters a culture of creativity, curiosity, and collaboration within the company, and encourages his team to generate and implement new ideas and solutions.

His team includes talented and passionate professionals who share his vision. The team is divided into experts in various fields like finance, marketing, operations, legal, and human resources. The team provides support to formulate strategies to improve the efficiency, profitability, and scalability of the acquired businesses. His team is his greatest strength and support of Genius Visionary.

Krishna understands the importance of giving back to society. He has created noticeable social and environmental impacts through his business. He has aligned his business goals with sustainable development goals and exercised best practices for corporate social responsibility. He has also supported various causes and social initiatives that have benefited his local community and the wider society.

To expand his operations, he wants to craft a clear and compelling vision and mission for the company. A set of strategic goals and objectives too, that will align with his values and culture.

Critical Victories

Client Success Stories

Favourite Quote

Ÿ Tangible Results:

Krishna has a client who bought a company that manages billing for emergency service providers. She used her engineering background and MBA education to improve the company’s processes, technology, and customer service. She also expanded the company’s market share by acquiring two smaller competitors in the same industry. Under her leadership, the company’s revenue grew by 40% and its profitability increased by 25% in the first year.

“Don’t be afraid to give up the good to go for the best.” - John D. Rockefeller, founder of Standard Oil Company.

Krishna has successfully acquired and grown a small business in a niche market that resonated with his skills and interests. He has increased his

Another client acquired a window-

18 | November 2023

About this quote, Krishna says, “This quote resonates with me because it encourages me to pursue excellence and not settle for mediocrity. It also reminds me that sometimes I have to make tough choices and sacrifices to achieve my goals. As an acquisition entrepreneur, I think this quote can motivate me to seek out the best opportunities and not be content with the status quo.”

Cover Story

” Don’t Be Afraid To Give Up The Good To Go For The Best.

- John D. Rockefeller www.theenterpriseworld.com | 19

AUGUST 2023

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22 | November 2023

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Introduction They say this is the "City among the Clouds," and once you are there, you will understand why. Its lofty location is nothing short of mesmerizing. But what makes this place truly special is the vibrant culture and rich history that have shaped its unique identity.

Today we are going to take a look at the city of Manizales. A city in Colombia's Andes Mountains. Close your eyes and imagine yourself standing at an extraordinary elevation of roughly 2,160 meters (7,086 feet) above sea level, surrounded by stunning vistas that seem to go on forever. This is not an ordinary city; it is filled with South American beauty yet to be discovered.

As you explore this city, you will find it's more than just a city; it's a fascinating blend of metropolitan modernism and natural beauty. It is not only the Caldas department's capital but also one of the important cities in the Coffee Triangle, an area known for producing some of the world's best coffee beans. So you can be sure your morning cup of joy will taste extra wonderful here!

This is only the tip of the iceberg. In the following parts, we are going to look more into the city’s rich history, involve ourselves in its lively culture, explore its gorgeous scenery, and find the numerous reasons why you must visit the city you won't want to miss out on everything this city has to offer.

Why You Must Visit Manizales?

•

A City in the Clouds

Let’s have an imaginary tour of the place where all wanderlust souls want to visit at least once in their lifetime.

Here are some highlighted points that all tourists should know about this Colombian beauty. There are many

24 | November 2023

Why You Must Visit

MANIZALES? cities in the world offering you the best experience of the place to be on earth. But, this city has its own way of taking you to the cloud number 9.

Being the heart of Colombia, Manizales greets them with open arms and a wide smile.

Now, picture this: Manizales sits way up in the Andes Mountains, at a jaw-dropping altitude of 7,000 feet above sea level. That's almost like living among the clouds! As you climb higher into the city, you will feel like you're ascending into the heavens. The air gets cooler, and the vistas become even more breathtaking.

On top of that, sipping the finest blend of coffee in the morning while gazing out over an ocean of clouds.

The higher you go, the more the landscape unfolds before you, like a magnificent painting coming to life.

This town truly is a place where you can experience the world from a different perspective, and it's an adventure you won't want to miss.

•

Micro-climate

Manizales, a lovely city high in Colombia's Andes Mountains, boasts a special microclimate. A place where it feels like spring all year round! With temperatures averaging 68-73°F, it's never too hot or too cold. Rainfall is frequent, making the hills green and the coffee tasty. Fog and mist often hug the city, creating a heavenly atmosphere.

•

Nature's Masterpiece

In the heart of this vibrant city lies the captivating Nevada del Ruiz volcano, a symbol of nature's awe-inspiring beauty and power. Its majestic snow-capped peak, often veiled in a gentle mist, draws both locals and visitors into its spellbinding presence. Access to the volcano may sometimes be restricted due to safety concerns related to volcanic activity, emphasizing the importance of prioritizing everyone's safety.

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The City of Open Doors

Whoever visited this city started calling it a "City of Open Doors" because people in this city are known for their warm hospitality. It's like visiting a close friend who can't wait to show you their favorite places. This makes not just a city but also a place with open hearts and doors.

•

Savouring Manizales: A Gastronomic Delights

In Manizales, you're in for a treat with Colombian cuisine. Don't miss the local favorite, "bandeja paisa," a hearty dish with beans, rice, meat, and plantains.

The city's street food scene is a bustling hub of flavor, offering tasty delights like empanadas, arepas, and much more.

From hearty stews to savory snacks, Manizales has something for every palate. So, prepare your taste buds for a gastronomic journey through this delightful city, where every meal is a chance to savor the essence of Colombian cuisine.

"City among the Clouds,”

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January Delights in Manizales: Feria de Manizales

8.

If you're lucky enough to visit Manizales in January, mark your calendar for the Feria de Manizales. This vibrant festival is one of Colombia's liveliest and most exciting.

Nice Park: In Parque Caldas, you can walk around, feed the pigeons, and enjoy being outside. It's a calm place to take a break.

9.

Nature Escape: El Recinto del Pensamiento is a peaceful spot with gardens, butterflies, and birds. It's a quiet place to be with nature.

•

Lasting a whole week, the celebration fills the city with parades, concerts, bullfights, and traditional Colombian dances. It's a colorful and lively experience that showcases the heart and soul of Colombian culture.

From the rhythmic beats of traditional music to the dazzling parade floats, the Feria de Manizales immerses you in a whirlwind of sights and sounds. It's a chance to join in the joyful spirit of the city and witness the rich traditions that make Colombia special.

Where to Go? What to Do? Explore Manizales!

Here are some of the top tourist attractions: 1.

Pretty Church: There's a beautiful church called the Cathedral Basilica of Our Lady of the Rosary. It looks like a big, fancy castle with colorful windows. You can visit it and take pictures.

2.

Cable Car Ride: You can take a ride in a special car that goes high up in the air. From there, you can see the whole city and the tall mountains around it.

3.

Nature Park: In a place called Los Yarumos Ecopark, you can go for walks in the forest and see butterflies and pretty flowers. It's like a big garden in the mountains.

4.

Coffee Farms: In this city, they make really good coffee. You can visit farms where they grow coffee, learn how they do it, and taste yummy coffee.

5.

Gold Museum: There's a museum where you can see shiny gold ancient things. It's like going back in time and looking at treasure.

6.

Big Square: There's a big open area in the middle of the city called Plaza de Bolívar. People go there to sit, eat ice cream, and watch the world go by.

7.

Hot Springs: Nearby this city, there are warm pools where you can relax in the water. It's like a big, cozy bath in the middle of the mountains.

26 | November 2023

From Point A to zZZ: Transportation and Accommodation in the City In this chapter, you’ll get to know how you can reach and what the accommodation options for staying in this magical city are.

From Air to Rail: Getting to Manizales is an exciting journey, whether you're a tourist looking to explore its beauty or a researcher interested in its unique microclimate and culture. To reach this charming destination, you have few options. The most common way is to fly into La Nubia Airport, which serves domestic flights from Bogotá, Medellín, and other major cities in Colombia. From the airport, you can easily take a taxi or a shuttle service to reach the city center, which is about a 20-minute drive away.

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Roadway to Manizales: If you prefer to travel by road, you can take a bus from major Colombian cities like Bogotá, Medellin, or Pereira. The journey is not only scenic but also offers a chance to witness the breathtaking landscapes of the Andes Mountains. The bus terminal in this city is well-connected to the city, making it convenient for travelers.

Another option is taking the cable car, known as the "Teleférico," from the outskirts of the city, which offers stunning aerial views as you descend into this Colombian beauty.

The Best Places to Stay in Manizales for Every Budget •

Luxury Retreats: Now, let's talk about where to stay in this town.

The city offers a range of accommodation options to suit various budgets and preferences.

If you're looking for a taste of local hospitality and culture, consider staying in one of the charming boutique hotels or guesthouses in the city center.

These accommodations often provide a cozy and authentic experience, allowing you to immerse yourself in the city’s unique atmosphere. For those seeking more upscale lodging, you'll find modern hotels and resorts that offer comfortable amenities, including restaurants, bars, and spa facilities. These options are often conveniently located near popular attractions and business districts.

This town has a variety of hotels ranging from budget to luxury. Some popular options include: Hotel Estelar Las Colinas: A luxury hotel with beautiful views of the city.

Hotel Varuna: A mid-range option with comfortable rooms and good amenities.

28 | November 2023

Hotel Carretero: A budget-friendly choice located in the city center.

•

Budget-Friendly Stays: This beautiful town also has options for budget-conscious travelers, with hostels and guesthouses offering affordable rates without compromising on comfort. These places are great for backpackers and those who want to stretch their travel budget while enjoying a comfortable stay.

If you are conducting research in Manizales, you might consider accommodations near the city's educational institutions, like the University of Caldas or the National University of Colombia, Manizales campus. Many researchers find it convenient to stay in universityaffiliated guesthouses or apartments, which can provide a conducive environment for academic work.

Hostels: If you're looking for budgetfriendly options and a chance to meet other travelers, hostels are a great choice, you can refer few of them as follows: Hostal de La Montaña: A cozy hostel with dormitories and private rooms.

Hostal Kaleidoscopio: This place is known for its friendly staff and vibrant atmosphere.

Mountain Hostel: Offers a mix of dormitory and private rooms with a social atmosphere.

Conclusion In short, Manizales is a special city high in the mountains of Colombia.

It's famous for its coffee, beautiful views, and friendly people. You can explore museums, enjoy festivals, and try delicious food. Even though it's not as famous as some other places,

Manizales is like a hidden treasure waiting to be discovered. So, if you want to experience the beauty of nature and the warmth of Colombian culture, Manizales is a great place to visit. It's a little piece of paradise in the clouds!

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Cover Story

BRANDON SHERWOOD Unleashing Innovation And Redefining Success At Cortex Technology Capital COR-TECH CAPITAL | Co Founder & CIO

32 | November 2023

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I

In today's fast-paced and everevolving business world, the need for iconic business leaders has never been more crucial. These exceptional individuals serve as beacons of inspiration, guiding their organizations toward success amidst uncertainty and intense competition.

They possess a unique blend of vision, strategic thinking, and a relentless drive to achieve greatness.

One such leader to watch is Brandon Sherwood, the Co-Founder and Chief Investment Officer at Cortex Technology Capital. With an impressive educational background and a diverse career, Brandon has cultivated a reputation for his remarkable financial understanding and expertise. As one of the iconic leaders to watch in 2023, Brandon embodies the qualities and attributes that inspire and motivate others to strive for excellence in their entrepreneurial endeavors.

Responsibilities as an Entrepreneur As an entrepreneur, Brandon believes in shouldering a fascinating collection of duties. In this role, he embraces the role of a visionary, charting the course for his enterprise and setting sail into the vast sea of business. Brandon recognizes that his responsibilities go beyond simply leading the way, extending to resource management, the guidance of his team, and making

34 | November 2023

critical decisions that will ensure his venture's future prosperity and stability.

One of Brandon's key responsibilities is to nurture a space where innovation can flourish. He understands that as the heart of the business, creating an environment that fosters creativity and empowers every individual to

Cover Story

contribute their unique skills and perspectives is essential. By cultivating a sense of belonging and purpose within his team, Brandon believes he can harness his workforce's collective potential and drive. Brandon believes the harmonious blend of creativity and teamwork is crucial for propelling his business forward. He recognizes that innovation thrives in an atmosphere

where ideas are encouraged and collaboration is valued.

Professional Journey

including the Series 3, 31, 50, 52, 63, and 65, along with the Financial Modeling and Valuation Analyst (FMVA) certification.

Brandon's educational background includes an MBA from the University of Denver, where he honed his skills in financial analysis. Additionally, he has completed various certifications,

Brandon reflects on a career path that has been diverse and filled with valuable experiences. It all began with his time in the United States Air Force, where he significantly managed crucial

financial components. He transitioned into the dynamic world of investment banking at George K. Baum. He embraced various responsibilities there, delving into quantitative analysis for the real estate sector and orchestrating complex financing processes. Currently, Brandon finds himself captivated by the thrilling realm of entrepreneurship at Cor-Tech

'Cortex Technology Capital is a distinguished private investment firm renowned for its expertise in its relentless pursuit in maximizing returns and minimizing risk.'

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36 | November 2023

Cover Story Capital. Leveraging his extensive knowledge of fundamental financial analysis and intrinsic valuation, he confidently navigates the vast landscape of investment decisions.

Maximizing Returns, Minimizing Risk Cortex Technology Capital is a distinguished private investment firm renowned for its expertise in maximizing returns and minimizing risk. By integrating fundamental analysis and technical expertise, Cortex offers high-end investors a unique market edge. With a meticulous approach, Cortex uncovers hidden value in the market through extensive research and analysis, enabling investors to make informed decisions.

At Cortex, fundamental analysis is pivotal in identifying market positions with exceptional growth potential. A team of skilled experts delves deep into financial statements, market trends, and competitive landscapes to uncover hidden values others may overlook.

This emphasis on understanding market fundamentals ensures that investments are well-grounded and have strong growth prospects.

In addition to fundamental analysis, Cortex leverages technical expertise to optimize market timing. By analyzing historical price patterns, market indicators, and trading volumes, Cortex identifies optimal entry and exit points, enabling investors to make strategic moves in the market. This technical insight gives investors a significant advantage, allowing them to capitalize on market fluctuations and enhance returns.

Furthermore, Cortex's strategies undergo rigorous back-testing using extensive historical data. This thorough evaluation ensures that only winning

strategies are implemented into the portfolio. With intelligent investing and effective money management, Cortex empowers investors to achieve their financial goals confidently and efficiently.

Overcoming Challenges, Fueling Growth In its early stages, Cortex encountered challenges that were characteristic of the competitive financial landscape.

The initial hurdles included navigating this landscape while simultaneously establishing trust with investors.

However, Cortex's commitment to transparency, personalized service, and robust investment strategies has played a pivotal role in overcoming these challenges.

One significant turning point that triggered the firm's growth was recognizing Cortex's personalized approach to investors. This unique approach set Cortex apart, fostering increased trust and a steady influx of clients through positive word-of-mouth referrals. Cortex has consistently exhibited positive growth since its foundation. The firm has experienced an expansion in its client base, indicative of the growing trust and confidence investors have in Cortex's capabilities. Additionally, the investment returns generated by Cortex have demonstrated a commendable upward trajectory, reflecting the firm's progress and success in delivering on its promises.

Long-standing Success Cortex's enduring success can be attributed to a combination of key factors. First and foremost, its unique investment methodology has been a crucial driver of its achievements. With a careful and adaptable approach that responds to the dynamic market

landscape, Cortex stays ahead of the curve, ensuring optimal investment decisions. The firm is committed to providing meticulously tailored strategies to align with its investors' financial growth goals, all while minimizing risk. However, perhaps the most significant factor behind Cortex's success is its dedication to its clients' financial aspirations. The firm's relentless commitment to helping clients achieve their goals serves as a driving force behind its operations.

Unique Services, Tailored Strategies Cortex provides wise investment strategies and comprehensive money management solutions to its clients. Its distinct approach to investment analysis sets it apart from others in the market. Cortex's multi-faceted approach enables it to identify promising avenues for growth while effectively managing risks.

One of the key differentiators of the firm's services is its emphasis on personalization. Recognizing that each investor is unique, Cortex tailors its strategies to align with its client's circumstances and objectives. The firm views its investors as part of a closeknit family, offering round-the-clock availability for guidance, support, and strategic discussions. Cortex's offerings strike a balance between pursuing impressive returns and protecting assets. Its sophisticated analysis methods, combined with a deep-rooted ethos of care and accessibility, enable them to help assets grow while minimizing risk.

Cortex Technology Capital Series Fund Cortex Technology Capital Series Fund, managed by Cortex, is a Delaware-based fund offering segregated portfolios with distinct

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investment objectives and strategies.

With a primary focus on capital growth, the fund trades futures, commodities, and securities of medium to large-capitalized companies. The fund uses derivatives to enhance returns and minimize risk while employing an opportunistic strategy that adapts to changing economic environments.

The Fund Manager continuously evaluates economic trends and market conditions to identify positive and negative trends in sectors and industries. Investment decisions are made on a company-by-company or index basis, emphasizing securities that trade with sufficient volume for swift execution. The Fund Manager's research includes multiple resources such as financial news services, press releases, and industry analysts.

Furthermore, the fund adheres to specific investment criteria encompassing factors like financial strength, earnings analysis, growth projections, market share, and debt-toequity ratio.

The Cortex Technology Capital Series Fund members receive audited financial statements, tax information, and regular progress reports to stay informed about the fund's performance.

The fund aims to provide transparency and optimal performance through active management and focusing on long-term growth. By actively trading derivatives based on the core portfolio, the fund can adapt to current economic and market fundamentals while employing various option strategies to reduce market volatility.

Digitization's Impact From Brandon's vantage point in the financial services industry, he perceives the digitization of the investment industry as a game-changer. With

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advancements in technology, artificial intelligence, and data analytics, digitization has revolutionized the investment landscape, presenting a myriad of untapped opportunities.

Brandon views digitization as a passing trend and a seismic shift in investment analysis. Its influence has accelerated the evaluation process, making it more precise. Moreover, it has expanded the horizons of both individual and institutional investors, offering a wider scope of possibilities.

By leveraging the capabilities of digital tools, Brandon believes investors can now delve deeper, think bigger, and make smarter decisions. He finds this era incredibly exciting, recognizing that embracing digitization is the key to unlocking the industry's full potential.

Personalized Strategies for Diverse Needs Cortex understands that the investment industry is vast and complex, catering to a wide range of needs. The firm's services are designed to navigate this intricate landscape by offering meticulously crafted, personalized strategies. This approach ensures that investment pathways align with individual goals and risk tolerances, effectively meeting the diverse needs of their clients.

Advancing Products and Services From Brandon's perspective as the CoFounder and CIO at Cor-Tech Capital, taking the company a step further in terms of its products and services is a carefully crafted process. It revolves around continuous learning, adaptive strategies, and strong client relationships. Brandon and his team stay vigilant, closely monitoring market trends and technological advancements. This knowledge forms the bedrock of their strategy, ensuring that Cortex remains at the forefront of the industry, offering competitive and exceptional services.

While technology plays a crucial role in their evolution, Brandon believes in the power of human connection.

Cortex has earned the trust of its investors, witnessing firsthand the impact of positive word-of-mouth. This trust and openness to new clients guide its decisions to enhance the offerings further. It actively seeks the right investors to join the Cortex family, recognizing the value of growing together in the ever-evolving investment landscape. By balancing technological advancements, client trust, and market dynamics, Cortex consistently takes the company further, aligning with client needs and industry trends.

Key Achievements

Beyond customization, Cortex places great importance on providing investors with top-tier resources. The firm believes in empowering its clients with access to cutting-edge analysis and investment philosophies. By combining these innovative insights with its tailored approach, Cortex ensures that clients receive personalized strategies and feel informed and confident throughout their investment journey.

Brandon's entrepreneurial journey has been marked by significant achievements that hold special meaning for him. One pivotal moment was the founding of Sherwood Capital Advisors, a firm dedicated to providing expert guidance in real estate. This venture served as a platform for honing his skills and paved the way for his most notable accomplishment—establishing Cortex.

Brandon and his team have

Cover Story successfully carved out a distinct position in the investment landscape through this venture, offering unique investment strategies to a discerning group of investors. Their approach consistently strikes the ideal balance between risk mitigation and maximizing returns, an achievement that fuels their commitment to pushing the boundaries in their field.

Employee Care Brandon places great importance on caring for his employees at Cortex.

Drawing inspiration from Dale Carnegie's 'How to Win Friends and Influence People,' he believes in understanding and appreciating each team member's strengths and needs.

Mutual respect, open communication,

and a celebration of unique ideas create an environment where everyone's voice is valued. Brandon fosters a culture of continuous learning, encouraging growth and nurturing curiosity among the team.

In line with the principles shared by Jim Collins in 'Good to Great,' Brandon recognizes the significance of assembling the right team members and aligning their skills with the firm's goals. The Cortex team stands out due to its extraordinary blend of diverse experiences and specialized knowledge. This dynamic mix of backgrounds enables them to approach financial analysis from various perspectives, enriching their strategies and driving innovation within their field.

Advice for Budding Entrepreneurs Based on his experience, Brandon offers valuable advice to aspiring entrepreneurs. He emphasizes the importance of continuous learning and maintaining an open mind for those interested in the investment industry.

Given the industry's dynamic nature, success hinges on adaptability, strong analytical skills, and a natural curiosity about market trends and opportunities.

Brandon's advice also centers on the significance of risk management.

While some may achieve quick wealth through a single lucrative trade, he believes in sustainability and generating consistent returns with the lowest acceptable risk.

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AMERICA

EXPRESS

A Journey That Revolutionized The Financial Wor

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AN

S

rld

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W We all have that one friend, whom you can always rely on when stuck in a financial crisis. Whether it be facing an issue in a transaction, or falling short on cash, just summon the savior. I once too had this friend, always ready with his cape on, to grab my hand when drowning in the puddle of failed transactions. Sooner, the college was over drifting everyone apart, and along with them, I lost that one friend too.

Later on, when enslaved in the corporate world I found that helping hand again but without a cape and crooked face this time.

Rather, it was someone in a fancy tie and shining boots, who was convincing me to get a credit card. As appalling as his offer was, I had to turn him down as this concept was new to me. After painstaking research and understanding the concept of credit cards, something stuck with me. That something was a diversified global financial services company – American Express. This article is your guide to take you on the journey of American Express and the story behind it.

The Beginning of a New Era During the mid-19th century, there was a significant demand for the transportation of parcels, documents, and valuable items across the United States. With the westward expansion, businesses needed a trustworthy and efficient means of sending and

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receiving these items. This was the time when security and reliability were major concerns for businesses and individuals. The risk of theft or loss of valuable items during transit was a genuine problem and people were looking for a dependable solution. In this chaos, on the bustling streets of Buffalo, New York, a daring idea was conceived by three visionary entrepreneurs. Henry Wells, William Fargo, and John Warren Butterfield founded American Express in 1850, which would soon become a global icon in the financial services industry.

After its formation, American Express (also known as Amex) skyrocketed because of its speed and reliability.

Started as an express mail business, its iconic stagecoaches, driven by fearless drivers became a symbol of trust and efficiency. Embracing its services to send parcels, currency, and valuable items across the country, Amex flourished to a greater extent. With the uncertainty of the financial market, Amex evolved too, transforming the way people conducted financial transactions. This evolution later became the foundation for several innovations in the financial sector that set the course for a new future.

contributed to the growth of international tourism.

•

First Charge Card (1958): The company introduced the first charge card — the American Express Card.

This card required cardholders to pay their balance in full each month, paving the way for future credit and charge card products.

•

Membership Rewards Program (1991): Amex launched the Membership Rewards program, which became one of the first comprehensive credit card rewards programs. Cardholders could earn points for their spending and redeem them for a wide range of rewards, including travel, merchandise, and more.

•

Airport Lounge Access (1994): American Express began offering cardholders access to airport lounges as a card benefit. This was one of the early examples of premium travel perks associated with credit cards.

•

Expansion into Banking Services and Digital Services: Amex expanded its offerings beyond cards to include various banking services.

This includes personal and business loans, savings accounts, and certificates of deposit (Cds). Amex also embraced digital innovation like developing mobile apps and online services to provide easy access to account management, payment options, and exclusive offers.

•

Partnerships and Co-Branded Cards: Amex formed partnerships with various retailers, airlines, and hotels, offering co-branded credit cards. This allowed the cardholders to enjoy exclusive benefits, discounts, and rewards.

Revolutionary Innovations: American Express has been a pioneer in the financial services industry. By introducing several innovations and changes that have had a significant impact on the market. Some of these key innovations and changes are listed below: •

Introduction of Traveler’s Cheques (1891): Innovation of traveler’s cheques, which were widely accepted as the means of carrying funds while traveling.

This innovation greatly reduced the risk of carrying cash and

•

All these innovations helped American Express remain a symbol of financial prowess and customer service excellence.

Out-of-the-box marketing campaigns: American Express has been known for its successful marketing campaigns and strategies over the years. Here are some smart marketing campaigns employed by Amex: •

“Don’t Leave Home Without It”(1975): One of the most iconic marketing campaigns in the credit card industry. This slogan emphasized the idea that Amex cardholders should never leave home without their card. It became synonymous with the brand’s exclusivity and the peace of mind it offered when traveling.

•

Centurion Card (Black Card): American Express created a sense of mystique around this Centurion Card. By limiting its issuance to high-net-worth individuals by invitation only, Amex built an intrigue about the card.

•

“Membership Has Its Privileges”: This marketing slogan emphasizes the exclusive benefits available to the cardholders creating a sense of belonging and prestige. This included access to airport lounges, concierge services, and unique experiences.

•

Small Business Saturday: American Express introduced Small Business Saturday. A marketing campaign aimed at encouraging consumers to support small businesses. This initiative not only promoted Amex but also supported local businesses.

These are just a few examples of smart and trend-setting marketing strategies acquired by the company. These strategies also include partnerships with influencers and celebrities to reach a broader audience, co-branded cards, a customer-centric approach, and many more.

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Famous Personalities using American Express (or vice versa): By forming partnerships with various famous personalities which contributed to the brand’s image, and customer engagement. Some notable personalities who have had associations with Amex include: •

Jerry Seinfeld: Comedian and actor Jerry Seinfeld was featured in American Express’s advertising campaigns, particularly in the “Unstaged” series.

These campaigns featured live concert performances and allowed fans to engage with artists.

•

Tina Fey: Tina Fey, an actress and comedian has been a spokesperson for Amex, endorsing various its cards and campaigns.

•

Shaquille O’Neal: Retired NBA basketball star Shaquille O’Neal was a part of Amex, during a “Shop Small” campaign which encourages people to support small businesses.

•

Lin-Manuel Miranda: The creator of the hit Broadway musical “Hamilton,” Lin-Manuel Miranda, was a part of the “Membership Experiences” program, which offered cardholders access to exclusive events.

•

Ken Chenault: While not a celebrity in the traditional sense, Ken Chenault was the CEO and Chairman of Amex from 2001 to 2018. His leadership and strategic vision played a significant role in shaping the company’s direction during his tenure.

These personalities have contributed to Amex in various ways, from endorsing its products and services to participating in marketing campaigns. Their involvement has helped the brand connect with diverse audiences and reinforce its image as a premium and exclusive financial services provider.

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List Of

AMERICAN EXPRESS CARDS:

Centurion Card

Annual fee $5,000

Since 1999

Platinum Card

$695

1984

Card

Gold Card

$250

1966

Green Card Cash Magnet

$150

1969

$0

Everyday Card

$0

2018 2014

FAQs: 1. How do American Express credit cards differ from traditional credit cards?

Its credit cards are often charge cards, which require cardholders to pay the full balance at the end of each billing cycle. This distinguishes them from traditional credit cards that allow carrying a balance with interest.

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2.Where can I use my American Express card?

Amex is widely accepted in the United States and around the world. You can use it at a variety of businesses, including retailers, restaurants, and for online purchases. However, acceptance may vary by location, so it’s a good idea to check with the merchant.

3. How do I apply for a card?

You can apply for the card on their official website or by visiting a local bank branch. The application process typically includes providing personal and financial information for a credit check.

4. What benefits do American Express cards offer?

Amex cards often come with various benefits, including rewards programs, travel perks, purchase protection, and exclusive access to events. The specific benefits can vary between different card offerings.

5.How does the American Express rewards program work?

The Amex rewards program, known as Membership Rewards, allows cardholders to earn points for every dollar spent on their card. These points can be redeemed for travel, merchandise, or used to pay off card balances.

6. Do these cards have annual fees?

Many of its cards have annual fees, but the amount varies depending on the card type and its associated benefits.

Some cards may offer no annual fee for the first year.

Today, American Express remains a symbol of financial prowess and customer service excellence. More than a company it’s an institution trusted by millions and known for its commitment to innovation and corporate responsibility. As the company enters its third century of existence, it carries a legacy of trust, service, and progress.

Always ready to meet the changing needs of its card members and shape the future of finance or to be that one friend to someone.

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10 Steps to Finding a Banking Partner That Supports Your Entrepreneurial Vision

Every business starts with an entrepreneurial vision, which consists of the bold and innovative ideas that drive entrepreneurs to follow their dreams and make a mark in their desired market. To realize this vision, however, would-be business owners need to find a financial partner that can understand what they're trying to achieve.

With a supportive commercial bank by their side, entrepreneurs in the Philippines have easier access to tailored financial solutions, resources, and expertise from people who can help them realize their vision. Both the funding and guidance offered by a reliable financial partner will enable budding business owners to navigate the financial landscape with confidence, propelling their entrepreneurial vision toward success. How can you reap these benefits and find a potential banking partner for business that shares your vision for your company?

Here's a step-by-step guide for finding a potential banking partner.

1. Define your entrepreneurial vision Before you even start looking for a potential banking partner, it's essential for you to have a clear understanding of what your entrepreneurial vision is really like and what sets it apart from those of others. Begin by defining your goals, mission, and values for your business. By running your own business, what do you aim to achieve?

Then, what kind of financial support will you need along the way?

By clearly defining your vision and the nature of the financial resources you require, you can effectively communicate your needs and expectations to potential banking partners. This will also ensure a better alignment of your values and goals with those of your financial partners.

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2. Assess Your Financial Needs After clarifying what your vision is like, your next step is to define the nitty-gritty of your financial needs and requirements as an entrepreneur.

Consider all the specific banking services and products that you can utilize to support your vision. These could include business loans, lines of credit, merchant services, cash management solutions, or even international banking capabilities, depending on the nature and scale of your business.

Assess your funding requirements, cash flow management needs, and any industry-specific financial challenges you may encounter while running your business. Reviewing these items will help you identify the types of banking services that will truly suit your business in your quest to find growth and success.

3. Do Some Research on Your Banking Options Next, if you run a small- to mediumsized business, do some research to identify banking options that cater specifically to entrepreneurs as opposed to large businesses or multinational conglomerates. Check out a Philippine commercial bank that has a strong track record of supporting small businesses and startups. Explore websites, read customer reviews and testimonials, and seek recommendations from fellow entrepreneurs or industry associations.

Pay attention to banks that specialize in providing financial solutions for businesses at your stage of growth.

Researching multiple options will help you narrow down your choices and select a bank that aligns with your entrepreneurial vision given your size and your needs.

4. Evaluate the Bank's Services and Expertise When assessing potential banking partners, be careful about weighing the range of services and expertise they offer. Again, look for banks that provide customized solutions tailored to the needs of entrepreneurs. Consider their experience in providing online business banking services to startups and similar types of businesses, innovative digital banking solutions, and business advisory services.

A banking partner like Maya Business, which boasts specialized expertise in the financial industry, can offer valuable insights and guidance to help you navigate various financial challenges and seize growth opportunities, all while helping you oversee your day-to-day financial needs. You'll also want to trust in your potential banking partner's ability to provide proactive support and stay updated with the latest financial trends and regulations relevant to your business. All these will set the perfect banking partner apart from others.

5. Consider the Accessibility and Technology of the Banking Solution It's also a good idea to consider the accessibility and range of technologies offered by prospective banks. Determine if they have conveniently located branches or a robust online banking platform that caters to your needs and doesn't require you to adjust to a steep learning curve.

In today's digital age, it's also essential to seek out seamless online and mobile banking experiences. Look for banks that provide user-friendly interfaces, advanced security measures, and digital tools that can streamline your financial management processes. Accessibility and technology play a crucial role in how efficiently and securely you can manage your business's financial transactions, so consider these two factors deal-makers when choosing a bank.

6. Review the Bank's Terms and Conditions Never forget to thoroughly review the terms and conditions of banking services provided by your potential banking partners. Pay close attention to fees, interest rates, transaction limits, and any restrictions or requirements you may have to

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observe, and ensure that these terms align with your business's financial goals and expectations.

Be aware of any hidden fees or charges that may impact the overall cost-effectiveness of your banking relationship. Familiarizing yourself with the terms and conditions presented by a potential banking partner will help you make an informed decision and avoid any negative surprises down the line.

7. Seek Personalized Support from Your potential banking partner Entrepreneurs often benefit from personalized support from their banking partners. Look for banks that have dedicated relationship managers or business specialists who understand the unique needs of entrepreneurs.

Banks that are committed to building a long-term relationship and are willing to go the extra mile to support your entrepreneurial journey are a good choice. Whether they're giving you advice on your financial decisions, opening up new networking opportunities for you, or connecting you with industry experts and resources, you'll definitely get more value out of your relationship with your bank.

8. Consider the Bank's Reputation and Stability Reputation and stability are crucial factors to consider when choosing a potential banking partner. You should do your research on the bank's reputation in the market and its track record of supporting businesses like yours. Assess its financial stability, longevity in the industry, and commitment to serving entrepreneurs as well as big businesses. A stable and reputable bank will instil confidence in you and provide you with the necessary assurance that you'll be amply supported in your entrepreneurial vision for the long term.

9. Schedule Meetings and Ask Questions Once you've shortlisted potential banking partners, schedule meetings or consultations with their representatives. Use this opportunity to ask specific questions about their services, expertise, and how your vision and their financial approaches align.

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Inquire about their responsiveness and willingness to understand your business. Take note of their ability to provide customized solutions, their knowledge of your home industry, and the level of enthusiasm they demonstrate for supporting entrepreneurs. These interactions will help you gauge the compatibility and suitability of each potential banking partner and narrow your choice down to one.

10. Weigh Your Final Decision Carefully After completing the previous steps, it will be time to make an informed decision and select the banking partner that best aligns with your current business goals. Again, weigh factors like their understanding of your industry, their commitment to innovation, their compatibility with your business's values, and the potential to cultivate a long-term partnership with them.

Assessing these factors will allow you to confidently choose a potential banking partner that will support your entrepreneurial journey and contribute to the growth and success of your business.

When you've found a bank that truly supports your entrepreneurial vision, you'll be well-equipped to go even further with your business.

Taking all the insights above into consideration, choose your financial partner wisely and stay true to your vision of making a difference in the world through your new business endeavours.

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