Welcome back to The Entrepreneur’s Journey. In this episode, Jason Gabrieli sits down with John Cavanaugh, CPA and tax attorney at Firenze Advisors, to discuss the foundational role that legal entity structure plays throughout the life of a business—from launch to scale to exit. They explore common pitfalls, how to adjust structures as businesses grow, and key planning considerations for exits, succession, and estate transitions. If you’re a business owner thinking about growth or preparing for a future sale, this episode is packed with practical knowledge.

● Why your legal entity structure isn’t just paperwork—but the core of your business.

● How and when to shift from LLC to S-Corp or C-Corp status.

● The role of installment sales, trust planning, and QSBS in reducing tax liability.

● What business owners often overlook when preparing for a sale or succession.

● [00:01:36] Why entity structure is foundational—and what most owners overlook.

● [00:03:16] How and why business structures should evolve over time.

● [00:05:06] The niche John fills: strategic planning across legal and tax.

● [00:06:54] Real estate and multi-entity structures: liability and tax traps to avoid.

● [00:09:01] Debt, partners, and why cross-collateralization needs careful planning.

● [00:10:40] Transitioning a business: selling to outsiders vs. keeping it in the family.

● [00:13:03] What surprises owners during due diligence and how to be prepared.

● [00:16:45] Why planning ahead matters: using trusts and state residency smartly.

● [00:18:11] Charitable trust and life insurance planning to reduce estate tax.

● [00:20:31] Holding company structures: when and why to consider one.

● [00:24:31] What clients usually miss: books, documentation, and cleanup.

● [00:26:24] Installment sale example that saved significant taxes.

● [00:30:07] Managing wealth post-sale and preserving it for future generations.

● [00:32:06] The power of looking at your structure every 2–3 years.

1. Your legal and tax entity structure should evolve as your business grows.
2. Planning for sale or succession starts years in advance—don’t wait.
3. Holding companies, trusts, and installment strategies can drastically reduce taxes and protect assets.

Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn

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In this episode of the Entrepreneurs Journey, Michael Pallozzi speaks with Shawn Calkins, owner of Universal Service Solutions in Edwardsville, Pennsylvania. Shawn shares how he went from being unemployed during the 2008 housing crisis to owning a successful full-service pavement maintenance company. The conversation highlights the importance of grit, financial discipline, mentorship, and building a team culture rooted in values. Listeners will hear about Shawn’s “profit-first” approach, how he supports his crew's financial growth, and why relationship-building is at the core of his business strategy.

● Why cash flow management and profit-first thinking transformed Shawn’s business.

● How mentorship and one break led to long-term entrepreneurial success.

● The mindset shift needed to scale while staying grounded in values.

● What qualities Shawn prioritizes when hiring and developing his team.

● [00:01:12] Shawn shares how he stumbled into entrepreneurship out of necessity.

● [00:03:22] Overview of services offered by Universal Service Solutions.

● [00:04:12] Shawn recalls his first big break and the value proposition that earned him a client.

● [00:08:12] Dealing with unpredictable weather and job delays in outdoor contracting.

● [00:10:45] The systems Shawn uses to manage cash flow and build long-term business resilience.

● [00:15:39] What Shawn looks for in team members beyond experience.

● [00:18:49] Building long-lasting client relationships through authenticity and connection.

● [00:21:41] Vision for future growth and scaling the business responsibly.

● [00:23:24] How Shawn mentors his team financially and supports their goals.

● [00:24:54] Shawn’s view on retirement and what legacy means to him.

1. Profit-first strategies can give small business owners confidence, control, and financial security.
2. Culture fit and positive attitude often matter more than technical skills when hiring.
3. Building real relationships—whether with clients or employees—can lead to lasting success.

Connect with Michael Pallozzi: mpallozzi@hfmadvisors.com | LinkedIn

Welcome back to The Entrepreneur’s Journey. In this episode, Michael Pelosi speaks with Kevin Brenner, founder of Healthy Home Energy & Consulting. Kevin shares his unexpected journey from podiatry school to building luxury homes for billionaires, and ultimately to pioneering sustainable construction practices as a “building scientist.” He discusses his transition from Brenner Builders to Healthy Home, and how energy efficiency, education, and environmental stewardship have shaped his mission. Kevin’s story is a masterclass in evolving your career with purpose and principle.

Tune into this episode to also learn:

● How Kevin transitioned from medical school to multi-million-dollar homebuilding.

● What it means to be a “building scientist” and how that knowledge impacts home performance.

● Why Healthy Home focuses on education, not sales, to stand apart in the HVAC industry.

● How to approach energy efficiency and net-zero building practically and affordably.

What we discussed

● [00:01:12] Kevin shares how podiatry school led to carpentry, and eventually to starting Brenner Builders.

● [00:04:06] Why he left high-end homebuilding despite success: stress, pressure, and client dynamics.

● [00:07:26] The significance of building his first spec house and how it sparked exponential growth.

● [00:08:58] Most ambitious build: a 30,000 sq ft mansion for a hedge fund manager with extravagant amenities.

● [00:12:56] How passion for energy performance led to the founding of Healthy Home.

● [00:15:15] Kevin defines building science and how he teaches it across his company.

● [00:20:06] The ethos behind Healthy Home: "We give a shit." And how they train to that level.

● [00:22:17] Why 95% of HVAC installs are wrong — and how Healthy Home does it differently.

● [00:24:32] The importance of testing outcomes and guaranteeing measurable results in energy performance.

● [00:25:54] What “net-zero” really means and how Kevin achieved it in his own home.

● [00:28:17] Converting an existing home to net-zero — is it possible and practical?

● [00:29:41] Kevin's future plans: growing Healthy Home and focusing on education to fight climate change.

3 Things To Remember

1. Career paths don’t need to be linear — following your passion can lead to greater purpose and innovation.
2. Teaching employees the science behind their work results in better service and industry transformation.
3. Sustainable building isn’t just idealistic — it’s practical, measurable, and critical for future generations.

Useful Links

Connect with Michael Pallozzi: https://www.linkedin.com/in/michaelpallozzihfm/

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Learn more about HFM HERE

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Welcome back to The Entrepreneur’s Journey. In this episode, Jason Gabrieli sits down with Michael Roth, Managing Partner of V&R Capital, to explore how business owners can thoughtfully prepare for one of the biggest financial decisions of their lives—selling their business. From his personal journey through entrepreneurship and tragedy to founding a firm focused on family-owned businesses, Michael shares the unique challenges and critical steps involved in planning a sale. Whether you're retiring, or just want to ensure your legacy, this episode offers valuable direction.

Tune into this episode to also learn:

• Why building a business “to sell” benefits you—even if you never sell.
• The major pitfalls business owners face when preparing for a transition.
• What private equity and family offices really mean for sellers.
• How VNR Capital invests alongside their clients to align long-term success.

What we discussed

[00:01:00] Jason introduces Michael Roth and the mission of V&R Capital.

[00:02:15] Why V&R focuses on family-owned businesses and their unique needs.

[00:03:29] Michael’s career journey from Anheuser-Busch to tech entrepreneur.

[00:05:09] How personal tragedy shaped his transition into business advisory.

[00:07:33] Founding V&R Capital with a mission to support underserved founders.

[00:09:31] The mindset shift: building a company for market value, not just personal preference.

[00:11:09] How early market feedback creates smarter business decisions.

[00:12:41] The truth about valuations—and why they often fall short.

[00:14:20] Why V&R invests their own capital alongside clients.

[00:16:11] Understanding private equity and family office dynamics.

[00:17:37] Common missteps in scaling or prepping a business for sale.

[00:19:25] The urgency of early planning—why 5 years from retirement means action today.

[00:21:02] How a good sale can benefit both your team and your legacy.

[00:23:25] Picking the right advisors for a once-in-a-lifetime event.

[00:24:43] What sellers often do next—and why many get back into business.

3 Things To Remember

1. A business built to sell is often a better-run business—even if you never plan to sell it.
2. Engaging a trusted advisor early gives you time to plan intentionally, not reactively.
3. Understanding your buyer’s perspective helps you make smarter growth and exit decisions.

Useful Links

Connect with Jason Gabrieli: https://www.linkedin.com/in/jasongabrieli

Like what you’ve heard…

Learn more about HFM HERE

Schedule time to speak with us HERE

In this episode of The Entrepreneur's Journey, host Michael Pallozzi sits down with Harrison Edwards, president of My Painter & Exteriors in Arlington, Virginia, to explore his remarkable journey from starting a business at age 20 to running a thriving painting and exterior contracting company by 29. Harrison shares candid insights about overcoming early challenges, understanding profitability, growing a scalable business, and learning critical lessons from tough projects. This conversation highlights practical strategies for contractors and entrepreneurs aiming to enhance their business acumen and accelerate growth.

Tune into this episode to also learn:

• How to accurately price jobs for profitability.
• Key differences between residential and commercial projects.
• The importance of investing in your employees beyond compensation.
• Strategies for scaling your business while maintaining quality control.

What we discussed

[00:01:15] Harrison’s background and how he started My Painter & Exteriors at 20 years old.

[00:03:17] The realization of how crucial understanding financials and pricing jobs correctly is.

[00:05:36] Harrison shares a business idea that didn't initially succeed and how he learned from it.

[00:07:36] Differences between managing residential versus commercial contracting projects.

[00:08:25] Experiences and challenges from handling a large, year-long commercial project.

[00:11:16] Launching his second company, Bright Bins, and navigating its unique market.

[00:14:55] Insights on scaling My Painter & Exteriors from startup to nearly $4 million annually.

[00:16:37] The importance of clearly communicating your vision and investing in your team.

[00:19:18] How consultants can accelerate your business’s growth and provide clarity.

[00:21:09] Harrison’s vision for his businesses over the next five years.

3 Things To Remember

1. Clearly understanding your overhead and accurately pricing jobs from the start is crucial for sustainable business growth.
2. Effective leadership involves investing in your employees' development and clearly communicating the vision and status of your business.
3. Working with the right consultants and mentors can dramatically accelerate your learning curve and enhance business outcomes.

Useful Links

Connect with Michael Pallozzi: https://www.linkedin.com/in/michaelpallozzihfm/

Like what you’ve heard…

Learn more about HFM HERE

Schedule time to speak with us HERE

Welcome back to The Entrepreneur’s Journey, hosted by Michael Pallozzi. In this episode, Michael speaks with Jon Winters, President of MSC Flooring, about his journey from painting houses in high school to co-founding and growing Michigan Specialty Coatings into a thriving business. Jon shares how early failures shaped his business philosophy, the lessons learned from traveling the world, and the importance of living below your means to weather any economic storm. Listen in for candid insights into building a resilient company culture and managing growth through challenges.

Tune into this episode to also learn:

● How a small painting gig turned into an entrepreneurial journey.

● The pivotal lessons Jon learned from early business failures.

● Why living below your means is critical for entrepreneurs.

● How coaching and EOS helped MSC break growth barriers.

What we discussed

● [00:01:02] The story behind MSC’s name change and branding.

● [00:02:21] Jon’s first taste of entrepreneurship painting houses in high school and college.

● [00:06:33] Traveling for 18 months and the life lessons learned abroad.

● [00:14:44] How Jon transitioned from touring with Disney on Ice to the coatings industry.

● [00:20:32] Early struggles with product failures and how they pivoted MSC’s focus.

● [00:25:18] Celebrating 20 years in business and growing a team of over 70 people.

● [00:27:49] How EOS and coaching transformed MSC’s operations and leadership.

● [00:31:22] Jon’s advice on living below your means and preparing for economic downturns.

3 Things To Remember

1. Running a business comes with hard lessons — early failures can define future success.
2. Leveraging coaching and structured systems can help break through growth ceilings.
3. Living below your means builds resilience and confidence to handle economic uncertainty.

Useful Links

Connect with Michael Pallozzi: https://www.linkedin.com/in/michaelpallozzihfm/

Like what you’ve heard…

Learn more about HFM HERE

Schedule time to speak with us HERE

Welcome back to The Entrepreneur’s Journey, hosted by Michael Pallozzi. In this episode, Michael sits down with John Moskola, co-owner of Watson & Sons Plumbing in Western Pennsylvania. With a background in cybersecurity for the Pentagon, John made an unexpected pivot into business ownership through the acquisition of a local plumbing company with his brother. They discuss the challenges of securing financing, navigating the SBA loan process, handling curveballs like environmental studies, and what it takes to successfully grow a family-run trade business in a modern world. This episode offers a candid look at making the leap from corporate life to entrepreneurship—and why trusting the process makes all the difference.

Tune into this episode to also learn:

● How to creatively finance a business acquisition without large upfront capital.

● Why adapting benefits packages is key to retaining talent in trades.

● The power of clearly divided roles in family-owned businesses.

● How side investments like real estate can support entrepreneurial ventures.

What we discussed

[00:01:01] John’s early exposure to the business and his career journey from IT and cybersecurity to plumbing.

[00:03:47] How John’s brother was approached to buy the plumbing business and the step-by-step acquisition plan.

[00:05:00] The funding process: SBA loans, seller financing, and borrowing from personal assets.

[00:07:56] Handling last-minute hurdles—like environmental surveys—during the buying process.

[00:08:16] Transitioning from cybersecurity to entrepreneurship with a young family and financial planning.

[00:10:07] Facing seasonality and industry slowdowns, especially during election years.

[00:11:35] Balancing partnership roles: operations vs. administrative vision.

[00:13:39] Modernizing the trade business by offering benefits and retirement plans.

[00:17:13] Expansion strategy: Opening a second location and adding new service lines.

[00:19:33] Balancing business ownership with family life and four kids.

[00:22:20] Diversification: Investing in real estate and long-term strategic planning.

[00:25:28] Future vision: Acquiring additional service businesses to build a one-stop home services company.

[00:26:29] John’s closing advice: Trust your gut, trust your team, and trust the process.

3 Things To Remember

1. You don’t need a large amount of cash to buy a business—creativity and the right team make all the difference.
2. Modernizing trade businesses with strong benefits and culture can be a competitive edge for recruiting and retaining talent.
3. Entrepreneurship is not just about growth—it’s about having a clear process, a supportive team, and the discipline to stay focused.

Useful Links

Connect with Michael Pallozzi: https://www.linkedin.com/in/michaelpallozzihfm/

Like what you’ve heard…

Learn more about HFM HERE

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Welcome back to The Entrepreneur’s Journey. In this episode, host Michael Pallozzi sits down with Jayson Miletta, a 21-year-old recent graduate of Rowan University and already a seasoned entrepreneur. Jayson shares how he turned a backyard cornhole league into a national franchise, launched a digital marketing firm with automated outreach systems, and built a scalable business model rooted in partnership and performance. This conversation covers the evolution of Jayson's ventures, the systems behind his success, and his vision for the future—all before graduating college.

Tune into this episode to also learn:

Welcome back to The Entrepreneur’s Journey. In this episode, host Michael Pallozzi sits down with Jayson Miletta, a 21-year-old recent graduate of Rowan University and already a seasoned entrepreneur. Jayson shares how he turned a backyard cornhole league into a national franchise, launched a digital marketing firm with automated outreach systems, and built a scalable business model rooted in partnership and performance. This conversation covers the evolution of Jayson's ventures, the systems behind his success, and his vision for the future—all before graduating college.

● How Jayson scaled a cornhole league into a national franchise model.

● What it takes to cold-sell $100,000 franchises as a teenager.

● The difference between marketing “leads” and real business growth.

● How automation and AI are revolutionizing client acquisition.

What we discussed

[00:00:00] Jayson shares how he knew he wanted to be an entrepreneur after realizing basketball wouldn’t be his career path.

[00:03:57] Founding a national cornhole league and learning sales through trial and error.

[00:05:40] Jayson describes using Facebook Lamborghini groups for cold outreach—learning from 10,000 rejections.

[00:06:49] Launching Jersey Jays Cornhole and expanding into fundraisers with a mobile tournament model.

[00:10:02] His earliest ventures: flipping Silly Bands in kindergarten and starting a clothing brand in middle school.

[00:12:31] How he pivoted from web design to performance marketing and the launch of GDG Media.

[00:14:38] Transitioning to a rev-share business model that aligns agency success with client growth.

[00:16:19] Why most agencies fail by selling “leads” and how GDG measures success by revenue impact.

[00:18:24] Expanding into verticals like credit card processing to drive more value.

[00:22:22] How Jayson uses AI to automate email outreach and schedule meetings without manual input.

[00:24:49] Leveraging massive proprietary databases to target ideal customers for marketing campaigns.

[00:26:15] Jayson’s five-year vision: location flexibility, consulting, and continuous growth.

3 Things To Remember

1. Starting early allows more room for trial, failure, and ultimately faster growth.
2. Systems, automation, and mentorship are key to scaling a business while reducing stress.
3. Business models aligned with client success—like rev share—create long-term partnerships and impact.

Useful Links

Connect with Michael Pallozzi: https://www.linkedin.com/in/michaelpallozzihfm/

Like what you’ve heard…

Learn more about HFM HERE

Schedule time to speak with us HERE