The Business of Benefits Podcast

The Business of Benefits Podcasthttps://www.spreaker.com/podcast/the-business-of-benefits-podcast--6053731enBusinessCopyright Hi Hello Labs Networkhttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/3f4968159bb4676248d8c564cea163f6.jpgThe Business of Benefits Podcasthttps://www.spreaker.com/podcast/the-business-of-benefits-podcast--6053731Wed, 15 Jul 2026 14:39:44 +0000Hi Hello Labs NetworkHi Hello Labs Networkpodcast@ethoseffectpodcast.comFor decades, employers have been fed a lie: “There’s nothing you can do to control healthcare costs.” This couldn’t be further from the truth. The system is doing exactly what it was designed to do—profit off of HR, CFOs, and CEOs who believe that lie...trueepisodic82. A Panel Discussion with 2 Employer Case Studies w/ Jaimie Jarvis & Stephanie Porrinohttps://www.spreaker.com/episode/82-a-panel-discussion-with-2-employer-case-studies-w-jaimie-jarvis-stephanie-porrino--72990801At SHRM26, moderator Chelsea Ryckis and Ethos Benefits co-founder Donovan Ryckis brought two employers on stage to show what taking control of a self-funded health plan looks like in dollars and cents. Stephanie Porrino (formerly HR Director at Hendry Marine Industries, now Founder & CEO of Empower Healthcare Insights) and Jaimie Jarvis (HR Director at Kalos Services) walk through the plan changes, broker breakups, and multi-year strategy that took their companies from reactive renewals to governed, fiduciary-driven plans, backed by real claims data. We cover the four moving parts of every health plan (PBM, network, TPA, stop loss), why fully funded and level funded plans leave employers with no real data, how reference-based pricing works, and how two very different employers landed in the same place: lower costs, better access to care, and employees who feel it.What you'll learn:

Fully funded vs. level funded vs. self-funded, and why most employers never see their real claims data
How reference-based pricing works, and why 13 states have already adopted it
A 300-employee shipyard's five-year case study: 77% off billed hospital claims
How a construction company went from a 37% renewal increase to zero premium increases in four years
Why removing cost-sharing on primary care, imaging, and mental health can lower total spend
Why more balance bills can actually be a good sign
How to tell if your broker or advisor is really working in your best interest

Fully funded vs. level funded vs. self-funded, and why most employers never see their real claims data
How reference-based pricing works, and why 13 states have already adopted it
A 300-employee shipyard's five-year case study: 77% off billed hospital claims
How a construction company went from a 37% renewal increase to zero premium increases in four years
Why removing cost-sharing on primary care, imaging, and mental health can lower total spend
Why more balance bills can actually be a good sign
How to tell if your broker or advisor is really working in your best interest

Get more on our guests at:
Stephanie Porrino, Founder & CEO, Empower Healthcare Insights
Website: https://empowerhcinsights.com
LinkedIn: https://www.linkedin.com/in/stephanie-kochporrino/Jaimie Jarvis, HR Director, Kalos Services
LinkedIn: https://www.linkedin.com/in/jaimie-nyhuis-jarvis/Patrick Williams, Co-Founder, Fiduciary in a Box
LinkedIn: https://www.linkedin.com/in/corporatefiduciary/Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink your benefits strategy and finally take control.Connect with Chelsea and Donovan:
Website: www.businessofbenefitspodcast.com
YouTube: https://www.youtube.com/@thebusinessofbenefitspodcast
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/
The Business of Benefits Podcast:Subscribe wherever you listen to podcasts: Apple, Spotify, or your favorite podcast app.
Ethos Benefits is a fee-only, fiduciary benefits consulting firm. We don't take commissions. We don't represent carriers. We represent you.—-Finished with the content? Claim your CE credit here:https://ideas.ethosbenefits.com/continuing-educationSHRM:Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or...]]>3756benefits,employee,fiduciary,healthcare,pbm,shrm26false282full81. Why Your Wellness Program Isn't Working: The Data-Driven Fix for Employee Burnout w/ Dr. Romie Mushtaqhttps://www.spreaker.com/episode/81-why-your-wellness-program-isn-t-working-the-data-driven-fix-for-employee-burnout-w-dr-romie-mushtaq--72756117Dr. Romie pulls back the curtain on why burnout has become one of the most overused and misunderstood terms in corporate America, and what's actually driving the crisis. From her personal story of near-fatal burnout in 2010 to building science-backed, data-driven wellness programs for 14,000+ employees, she brings the clinical receipts to a conversation that most "wellness influencers" simply can't.Chelsea and Dr. Romie also dig into what burnout really looks like in claims data and it's probably not what you think plus how organizations of any size can build a culture shift that drives measurable ROI without jump ropes, Pelotons, or wellness apps nobody uses.

The 45th Annual Employee Benefits Symposium (Aug. 23–26, Phoenix) is where benefits professionals go to connect, learn, and level up. Register by July 21 for early bird pricing: www.iscebs.org/symposium

What you'll learn
Why burnout is being misdiagnosed and what employees are actually asking for
How the Busy Brain Test gives organizations a data-driven snapshot of workforce mental health
What burnout really looks like in claims data (hint: it's musculoskeletal injuries and metabolic syndrome, not just mental health claims)
Why trust is the pathway to actual utilization of every benefits program you've invested in
How Dr. Romie's three-pillar framework Protect Your Brain, Protect Your People, Protect Your Business, applies to companies of 25 or 25,000
What happened when one plan sponsor removed every barrier to mental health access (the cost result will surprise you)
Why wellness dies when it lives solely with the benefits director
How empathy and accountability coexist and why caring cultures still have high expectations
]]>https://api.spreaker.com/episode/72756117Thu, 02 Jul 2026 11:00:02 +0000Hi Hello Labs NetworkIn this episode of The Business of Benefits, host Chelsea Ryckis sits down with Dr. Romie Mushtaq, triple board-certified physician, national bestselling author, Chief Wellness Officer at Great Wolf Resorts, and founder of the brainSHIFT Institute, to...Dr. Romie pulls back the curtain on why burnout has become one of the most overused and misunderstood terms in corporate America, and what's actually driving the crisis. From her personal story of near-fatal burnout in 2010 to building science-backed, data-driven wellness programs for 14,000+ employees, she brings the clinical receipts to a conversation that most "wellness influencers" simply can't.Chelsea and Dr. Romie also dig into what burnout really looks like in claims data and it's probably not what you think plus how organizations of any size can build a culture shift that drives measurable ROI without jump ropes, Pelotons, or wellness apps nobody uses.

The 45th Annual Employee Benefits Symposium (Aug. 23–26, Phoenix) is where benefits professionals go to connect, learn, and level up. Register by July 21 for early bird pricing: www.iscebs.org/symposium

What you'll learn
Why burnout is being misdiagnosed and what employees are actually asking for
How the Busy Brain Test gives organizations a data-driven snapshot of workforce mental health
What burnout really looks like in claims data (hint: it's musculoskeletal injuries and metabolic syndrome, not just mental health claims)
Why trust is the pathway to actual utilization of every benefits program you've invested in
How Dr. Romie's three-pillar framework Protect Your Brain, Protect Your People, Protect Your Business, applies to companies of 25 or 25,000
What happened when one plan sponsor removed every barrier to mental health access (the cost result will surprise you)
Why wellness dies when it lives solely with the benefits director
How empathy and accountability coexist and why caring cultures still have high expectations
]]>2612accountability,benefits,burnout,empathy,insurance,wellnessfalsefull80. Built Different: The Ethos Story w/ Chelsea Ryckis & Donovan Ryckishttps://www.spreaker.com/episode/80-built-different-the-ethos-story-w-chelsea-ryckis-donovan-ryckis--72571625

In this episode, host Austin Townend sits down with Chelsea Ryckis (President) and Donovan Ryckis (CEO) of Ethos Benefits for the origin story nobody asked for but everyone needs to hear. From Donovan's background as a fiduciary securities advisor who saw the same conflicts in healthcare and couldn't look away, to Chelsea getting hit in the head with a softball and learning the hard way that you can run but you can't hide from medical debt... this is the story of how Ethos was built different on purpose.

Take the next step in your career. Start your CEBS journey today at CEBS.org.
https://bit.ly/48k4aeZ

What You'll Learn
Why Donovan left a lucrative securities career to fix a bigger problem in healthcare
Chelsea's personal experience with medical debt and how it shaped the Ethos mission
The real definition of fiduciary — and the three things it actually requires
Why there is zero fiduciary standard in insurance (and what that means for you)
The $37,824 number every employer needs to hear
A claim is a dollar, not a condition — and why that distinction changes everything
The four things you can do with healthcare risk: reduce, avoid, retain, or transfer
Why brokers go straight to the transfer (and how that lines their pockets)
How to vet whether your advisor is actually living the fiduciary standard — not just marketing it
Where the industry is headed over the next five years, including PBM legislation and litigation
at

Connect with Chelsea Ryckis:

LinkedIn: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Connect with Donovan Ryckis:
LinkedIn: https://www.linkedin.com/in/donovanryckis/

Connect with Austin Townend:
LinkedIn: https://www.linkedin.com/in/austintownend/

Connect with Ethos Benefits:
LinkedIn: https://www.linkedin.com/company/ethosbenefits/
Website: https://www.ethosbenefits.com

—

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.

#EmployeeBenefits #HealthcareCosts #FiduciaryDuty #BusinessOfBenefits #EthosBenefits #HRLeadership #GroupHealthInsurance #BenefitsStrategy #HealthcarePlanning #PBM #ERISA #HealthBenefits #EmployerHealthcare #BenefitsBroker #OpenEnrollment #HealthcareCostContainment #SelfFundedHealthPlan #HRPodcast #BenefitsPodcast #PlanSponsor

]]>https://api.spreaker.com/episode/72571625Thu, 18 Jun 2026 12:30:02 +0000Hi Hello Labs NetworkThe benefits industry is broken. $37,824. That's the average cost of a family of four on an employer-sponsored health plan in 2026 and it's growing at 9% a year. So how did we get here, and what does it actually look like to fight back? In this...

In this episode, host Austin Townend sits down with Chelsea Ryckis (President) and Donovan Ryckis (CEO) of Ethos Benefits for the origin story nobody asked for but everyone needs to hear. From Donovan's background as a fiduciary securities advisor who saw the same conflicts in healthcare and couldn't look away, to Chelsea getting hit in the head with a softball and learning the hard way that you can run but you can't hide from medical debt... this is the story of how Ethos was built different on purpose.

Take the next step in your career. Start your CEBS journey today at CEBS.org.
https://bit.ly/48k4aeZ

What You'll Learn
Why Donovan left a lucrative securities career to fix a bigger problem in healthcare
Chelsea's personal experience with medical debt and how it shaped the Ethos mission
The real definition of fiduciary — and the three things it actually requires
Why there is zero fiduciary standard in insurance (and what that means for you)
The $37,824 number every employer needs to hear
A claim is a dollar, not a condition — and why that distinction changes everything
The four things you can do with healthcare risk: reduce, avoid, retain, or transfer
Why brokers go straight to the transfer (and how that lines their pockets)
How to vet whether your advisor is actually living the fiduciary standard — not just marketing it
Where the industry is headed over the next five years, including PBM legislation and litigation
at

Connect with Chelsea Ryckis:

LinkedIn: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Connect with Donovan Ryckis:
LinkedIn: https://www.linkedin.com/in/donovanryckis/

Connect with Austin Townend:
LinkedIn: https://www.linkedin.com/in/austintownend/

Connect with Ethos Benefits:
LinkedIn: https://www.linkedin.com/company/ethosbenefits/
Website: https://www.ethosbenefits.com

—

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.

#EmployeeBenefits #HealthcareCosts #FiduciaryDuty #BusinessOfBenefits #EthosBenefits #HRLeadership #GroupHealthInsurance #BenefitsStrategy #HealthcarePlanning #PBM #ERISA #HealthBenefits #EmployerHealthcare #BenefitsBroker #OpenEnrollment #HealthcareCostContainment #SelfFundedHealthPlan #HRPodcast #BenefitsPodcast #PlanSponsor

]]>2119benefitsbroker,benefitspodcast,benefitsstrategy,businessofbenefits,employeebenefits,employerhealthcare,erisa,ethosbenefits,fiduciaryduty,grouphealthinsurance,healthbenefits,healthcarecostcontainment,healthcarecosts,healthcareplanning,hrleadership,hrpodcast,openenrollment,pbm,plansponsor,selffundedhealthplanfalsefull79. Stop Ignoring Women's Health Benefits w/ Brittany Georgehttps://www.spreaker.com/episode/79-stop-ignoring-women-s-health-benefits-w-brittany-george--72091142

They cover the cascade of interventions most women don't know they're signing up for, why the incentives inside hospitals are misaligned against patients, what fentanyl has to do with labor and delivery, and — critically — what self-funded employers can do RIGHT NOW to support the women on their plans.

What You'll Learn
- Why 70% of women get an epidural containing fentanyl — and most aren't told
- How a C-section can cost a health plan $80,000–$100,000+ vs. $4,000–$7,000 for a vaginal birth
- Why doula coverage is the single highest-impact benefit employers can add today
- The downstream health risks for dependents born via C-section — and what that means for your plan
- How the birth center vs. hospital vs. home birth decision affects both outcomes AND claims
- Why women at every stage — postpartum, perimenopausal, infertile — are being underserved by traditional benefits
- What "A Tale of Two Births" taught Brittany about asking better questions in any healthcare setting

Connect with Chelsea Ryckis:
LinkedIn: https://www.linkedin.com/in/chelsearyckis
Website: https://www.ethosbenefits.com

Connect with Brittany George:
LinkedIn: https://www.linkedin.com/in/brittanyspaziano/
Website: https://ataleoftwobirths.com/

Connect with Ethos Benefits:
LinkedIn: https://www.linkedin.com/company/ethos-benefits
YouTube: https://www.youtube.com/@ethosbenefits
Instagram: https://www.instagram.com/ethosbenefits
Website: https://www.ethosbenefits.com

The Business of Benefits Podcast:
Subscribe wherever you listen to podcasts: Apple, Spotify, or your favorite podcast app.
Ethos Benefits is a fee-only, fiduciary benefits consulting firm. We don't take commissions. We don't represent carriers. We represent you.

—

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>https://api.spreaker.com/episode/72091142Thu, 04 Jun 2026 12:10:02 +0000Hi Hello Labs NetworkIn this episode, host Chelsea Ryckis sits down with Brittany George( insurance industry veteran, founder of Her Consulting, and author of A Tale of Two Births) to pull back the curtain on maternal healthcare in America. Brittany brings a rare...

They cover the cascade of interventions most women don't know they're signing up for, why the incentives inside hospitals are misaligned against patients, what fentanyl has to do with labor and delivery, and — critically — what self-funded employers can do RIGHT NOW to support the women on their plans.

What You'll Learn
- Why 70% of women get an epidural containing fentanyl — and most aren't told
- How a C-section can cost a health plan $80,000–$100,000+ vs. $4,000–$7,000 for a vaginal birth
- Why doula coverage is the single highest-impact benefit employers can add today
- The downstream health risks for dependents born via C-section — and what that means for your plan
- How the birth center vs. hospital vs. home birth decision affects both outcomes AND claims
- Why women at every stage — postpartum, perimenopausal, infertile — are being underserved by traditional benefits
- What "A Tale of Two Births" taught Brittany about asking better questions in any healthcare setting

Connect with Chelsea Ryckis:
LinkedIn: https://www.linkedin.com/in/chelsearyckis
Website: https://www.ethosbenefits.com

Connect with Brittany George:
LinkedIn: https://www.linkedin.com/in/brittanyspaziano/
Website: https://ataleoftwobirths.com/

Connect with Ethos Benefits:
LinkedIn: https://www.linkedin.com/company/ethos-benefits
YouTube: https://www.youtube.com/@ethosbenefits
Instagram: https://www.instagram.com/ethosbenefits
Website: https://www.ethosbenefits.com

The Business of Benefits Podcast:
Subscribe wherever you listen to podcasts: Apple, Spotify, or your favorite podcast app.
Ethos Benefits is a fee-only, fiduciary benefits consulting firm. We don't take commissions. We don't represent carriers. We represent you.

—

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>2443birth,birthing,healthinsurance,hospitalbills,hospitalbirth,hospitals,insurance,maternal,maternalcare,maternitycare,pregnancy,pregnant,prenatal,withchildfalsefull78. The Real ROI of Mental Health Benefitshttps://www.spreaker.com/episode/78-the-real-roi-of-mental-health-benefits--72061264

In this solo episode, host Chelsea Ryckis breaks down one of the most compelling case studies in Ethos Benefits' history, a manufacturing company with 350–380 employees that eliminated every financial barrier to mental health care. Zero copays. Zero deductibles. Unlimited sessions. Open network. No prior authorization.

The result? 12% utilization (vs. a 4% national benchmark), 594 claims, an average of 14 sessions per member — and a total cost of just $7 per employee per month. Meanwhile, traditional plans with restrictions are benchmarking at $14–$17 PEPM for mental health.
Chelsea also covers the Mental Health Parity and Addiction Equity Act (MHPAEA), updated in 2024, and walks plan sponsors through the compliance pitfalls she sees most often — from restrictive prior authorizations to narrow behavioral health networks to inconsistent NQTLs.
This episode is for HR leaders, CFOs, and plan sponsors who are tired of designing benefits around fear of cost — and ready to see what happens when you design around actual employee needs.

What you'll learn:
Why EAPs alone are not enough (only 4% of employees actually use them)
The real cost of untreated mental health: 23% more absenteeism and 3x higher healthcare costs
What a zero-barrier mental health plan design actually looks like
How 594 claims over 2.7 years cost just $129 per claim on average
The MHPAEA compliance pitfalls plan sponsors overlook — including NQTLs and network adequacy
Why the cultural component of mental health support matters as much as the plan design
How to audit your current plan for mental health parity compliance.

Connect with Chelsea Ryckis:
LinkedIn: https://www.linkedin.com/in/chelsearyckis
Website: https://www.ethosbenefits.com

Connect with Ethos Benefits:
LinkedIn: https://www.linkedin.com/company/ethos-benefits
YouTube: https://www.youtube.com/@ethosbenefits
Instagram: https://www.instagram.com/ethosbenefits
Website: https://www.ethosbenefits.com

The Business of Benefits Podcast:
Subscribe wherever you listen to podcasts: Apple, Spotify, or your favorite podcast app.
Ethos Benefits is a fee-only, fiduciary benefits consulting firm. We don't take commissions. We don't represent carriers. We represent you.

Learn about CEBS!
In a field as complex as employee benefits and retirement, experience alone isn’t always enough. Credibility matters.

That’s why professionals turn to CEBS—the Certified Employee Benefit Specialist designation. Developed in partnership with the Wharton School of the University of Pennsylvania and the International Foundation of Employee Benefit Plans, CEBS delivers comprehensive expertise across both group and retirement benefits—equipping you to lead with confidence and authority.

Set yourself apart with a designation that speaks for itself.
Start your CEBS journey at CEBS.org.

https://bit.ly/48k4aeZ

—

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>https://api.spreaker.com/episode/72061264Thu, 21 May 2026 12:10:02 +0000Hi Hello Labs NetworkWhat if making mental health care completely free for your employees actually lowered your total plan costs? In this solo episode, host Chelsea Ryckis breaks down one of the most compelling case studies in Ethos Benefits' history, a manufacturing...

In this solo episode, host Chelsea Ryckis breaks down one of the most compelling case studies in Ethos Benefits' history, a manufacturing company with 350–380 employees that eliminated every financial barrier to mental health care. Zero copays. Zero deductibles. Unlimited sessions. Open network. No prior authorization.

The result? 12% utilization (vs. a 4% national benchmark), 594 claims, an average of 14 sessions per member — and a total cost of just $7 per employee per month. Meanwhile, traditional plans with restrictions are benchmarking at $14–$17 PEPM for mental health.
Chelsea also covers the Mental Health Parity and Addiction Equity Act (MHPAEA), updated in 2024, and walks plan sponsors through the compliance pitfalls she sees most often — from restrictive prior authorizations to narrow behavioral health networks to inconsistent NQTLs.
This episode is for HR leaders, CFOs, and plan sponsors who are tired of designing benefits around fear of cost — and ready to see what happens when you design around actual employee needs.

What you'll learn:
Why EAPs alone are not enough (only 4% of employees actually use them)
The real cost of untreated mental health: 23% more absenteeism and 3x higher healthcare costs
What a zero-barrier mental health plan design actually looks like
How 594 claims over 2.7 years cost just $129 per claim on average
The MHPAEA compliance pitfalls plan sponsors overlook — including NQTLs and network adequacy
Why the cultural component of mental health support matters as much as the plan design
How to audit your current plan for mental health parity compliance.

Connect with Chelsea Ryckis:
LinkedIn: https://www.linkedin.com/in/chelsearyckis
Website: https://www.ethosbenefits.com

Connect with Ethos Benefits:
LinkedIn: https://www.linkedin.com/company/ethos-benefits
YouTube: https://www.youtube.com/@ethosbenefits
Instagram: https://www.instagram.com/ethosbenefits
Website: https://www.ethosbenefits.com

The Business of Benefits Podcast:
Subscribe wherever you listen to podcasts: Apple, Spotify, or your favorite podcast app.
Ethos Benefits is a fee-only, fiduciary benefits consulting firm. We don't take commissions. We don't represent carriers. We represent you.

Learn about CEBS!
In a field as complex as employee benefits and retirement, experience alone isn’t always enough. Credibility matters.

That’s why professionals turn to CEBS—the Certified Employee Benefit Specialist designation. Developed in partnership with the Wharton School of the University of Pennsylvania and the International Foundation of Employee Benefit Plans, CEBS delivers comprehensive expertise across both group and retirement benefits—equipping you to lead with confidence and authority.

Set yourself apart with a designation that speaks for itself.
Start your CEBS journey at CEBS.org.

https://bit.ly/48k4aeZ

—

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>1377business,growth,health,healthbenefits,healthinsurance,insurance,mentalhealth,returnoninvestment,roifalsefull77. A Candid Look at Health Benefits, Compliance, and the State of the Industryhttps://www.spreaker.com/episode/77-a-candid-look-at-health-benefits-compliance-and-the-state-of-the-industry--71897825In this special episode of The Business of Benefits, host Austin Townend flips the script and interviews our very own President and Co-Founder, Chelsea Ryckis. Together, they break down exactly what employers need to know about healthcare compliance, vendor accountability, and controlling costs heading into 2026.

We cover the massive compliance shifts from the last 12 months—including the CAA of 2026 and FTC scrutiny on PBMs—and why these changes are the ultimate leverage for plan sponsors. Chelsea unpacks why Direct Primary Care (DPC) combined with HSAs is a game-changer, why ICHRAs are just a bandaid for healthcare inflation, and how to spot the red flags in your broker and PBM contracts. Plus, learn how to stop accepting the bare minimum from your vendors and start demanding true fiduciary alignment.

What you’ll learn

How recent compliance changes (like the CAA of 2026) give employers unprecedented leverage over their health plans
Why the traditional high-deductible health plan (HDHP) is failing low-wage earners, and how Direct Primary Care (DPC) actually reduces claims
The hidden dangers of ICHRAs and why they don't solve the root cause of healthcare inflation
How to identify "red flags" with your PBMs and brokers, including spread pricing and refusing compensation disclosures
Why vendor accountability requires more than just a "nice account manager"—and how to use KPIs and scorecards to evaluate them
The truth about big company purchasing power: why 10,000+ employee companies are often paying more than mid-market competitors

How recent compliance changes (like the CAA of 2026) give employers unprecedented leverage over their health plans
Why the traditional high-deductible health plan (HDHP) is failing low-wage earners, and how Direct Primary Care (DPC) actually reduces claims
The hidden dangers of ICHRAs and why they don't solve the root cause of healthcare inflation
How to identify "red flags" with your PBMs and brokers, including spread pricing and refusing compensation disclosures
Why vendor accountability requires more than just a "nice account manager"—and how to use KPIs and scorecards to evaluate them
The truth about big company purchasing power: why 10,000+ employee companies are often paying more than mid-market competitors

Connect with Us

Chelsea Ryckis on LinkedIn:
https://www.linkedin.com/in/chelsea-ryckis-8508a192

Austin Townend on LinkedIn:
https://www.linkedin.com/in/austin-townend-619520103

Ethos Benefits:
https://ethosbenefits.com/

The Business of Benefits Podcast:
https://businessofbenefitspodcast.com/

____

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.

]]>3584benefits,business,compliance,entrepreneur,healthbenefits,healthinsurance,insurancefalsefull76. The Doctor Who Cut the Middleman Out of Imaging w/ Cristin Dickersonhttps://www.spreaker.com/episode/76-the-doctor-who-cut-the-middleman-out-of-imaging-w-cristin-dickerson--71590711

We cover how direct contracting works in practice, why traditional insurance models artificially inflate imaging costs, and how Green Imaging is flipping the script by providing transparent, cash-pay rates. Dr. Dickerson explains the HIPAA Omnibus Law that makes this possible, how to build a zero-out-of-pocket benefit that employees actually use, and the real-world savings employers are seeing. Chelsea and Dr. Dickerson also discuss the future of direct primary care, navigating hospital pushback, and why every employer has a fiduciary duty to explore these solutions.

What you’ll learn
• What direct contracting is and how it eliminates the middlemen driving up healthcare costs
• Why there is an inverse correlation between cost and quality in the U.S. healthcare system
• How the HIPAA Omnibus Law protects employers and employees when carving out imaging benefits
• The exact process for members using Green Imaging, from text-based scheduling to receiving care
• How plan sponsors can structure their benefits to incentivize zero-out-of-pocket imaging
• The challenges of navigating the "down the hall" mentality and how to educate employees
• Why direct contracting for imaging and direct primary care are the easiest first steps for employers

Connect with the Speakers:

Cristin Dickerson:
LinkedIn: https://www.linkedin.com/in/cristin-dickerson-md-a1a1b013/
Green Imaging: https://greenimaging.net/

Chelsea Ryckis:
LinkedIn: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Ethos Benefits: https://ethosbenefits.com/

Finished with the content? Claim your CE credit here:

https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/71590711Thu, 23 Apr 2026 14:55:22 +0000Hi Hello Labs NetworkIn this episode of The Business of Benefits, host Chelsea Ryckis sits down with Dr. Cristin Dickerson, founder of Green Imaging, to uncover the power of direct contracting for employer-sponsored health plans. They dive deep into how getting the...

We cover how direct contracting works in practice, why traditional insurance models artificially inflate imaging costs, and how Green Imaging is flipping the script by providing transparent, cash-pay rates. Dr. Dickerson explains the HIPAA Omnibus Law that makes this possible, how to build a zero-out-of-pocket benefit that employees actually use, and the real-world savings employers are seeing. Chelsea and Dr. Dickerson also discuss the future of direct primary care, navigating hospital pushback, and why every employer has a fiduciary duty to explore these solutions.

What you’ll learn
• What direct contracting is and how it eliminates the middlemen driving up healthcare costs
• Why there is an inverse correlation between cost and quality in the U.S. healthcare system
• How the HIPAA Omnibus Law protects employers and employees when carving out imaging benefits
• The exact process for members using Green Imaging, from text-based scheduling to receiving care
• How plan sponsors can structure their benefits to incentivize zero-out-of-pocket imaging
• The challenges of navigating the "down the hall" mentality and how to educate employees
• Why direct contracting for imaging and direct primary care are the easiest first steps for employers

Connect with the Speakers:

Cristin Dickerson:
LinkedIn: https://www.linkedin.com/in/cristin-dickerson-md-a1a1b013/
Green Imaging: https://greenimaging.net/

Chelsea Ryckis:
LinkedIn: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Ethos Benefits: https://ethosbenefits.com/

Finished with the content? Claim your CE credit here:

https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>2631benefits,doctor,dr,healthbenefits,healthplan,hospital,hospitals,imaging,insurance,medicalfalsefull75. Mark Cuban: Your Broker is Lying To Youhttps://www.spreaker.com/episode/75-mark-cuban-your-broker-is-lying-to-you--71196817

We cover how employers can stop overpaying for healthcare, the critical importance of aligned incentives, and why direct-to-employer programs are the future. Mark breaks down the hidden games played by traditional PBMs and carriers, and how taking an "outside-in" approach is the only way to truly advocate for patients. We also explore the value of having an internal "Healthcare CEO" to manage claims, and Mark shares his visionary idea for replacing health insurance premiums with a revolutionary healthcare banking model.

What you’ll learn:
• The "aha moment" that led Mark Cuban to start Cost Plus Drugs and expose the massive markups in the pharmaceutical industry.
• Why the traditional RFP process is designed to protect incumbents and keep employers in the dark.
• How to identify and eliminate misaligned incentives in your health plan to save money and improve care.
• The power of direct contracting and why employers need an internal "Healthcare CEO" to audit claims and manage vendor relationships.
• Mark Cuban’s vision for the future: eliminating traditional health insurance companies in favor of a healthcare banking and loan model.

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.

]]>https://api.spreaker.com/episode/71196817Thu, 09 Apr 2026 13:55:58 +0000Hi Hello Labs NetworkIn this explosive episode of The Business of Benefits, host Chelsea Ryckis and Fiduciary Benefits Consultant Talia Hansen sit down with entrepreneur and billionaire Mark Cuban to discuss the massive disruption happening in the healthcare industry....

We cover how employers can stop overpaying for healthcare, the critical importance of aligned incentives, and why direct-to-employer programs are the future. Mark breaks down the hidden games played by traditional PBMs and carriers, and how taking an "outside-in" approach is the only way to truly advocate for patients. We also explore the value of having an internal "Healthcare CEO" to manage claims, and Mark shares his visionary idea for replacing health insurance premiums with a revolutionary healthcare banking model.

What you’ll learn:
• The "aha moment" that led Mark Cuban to start Cost Plus Drugs and expose the massive markups in the pharmaceutical industry.
• Why the traditional RFP process is designed to protect incumbents and keep employers in the dark.
• How to identify and eliminate misaligned incentives in your health plan to save money and improve care.
• The power of direct contracting and why employers need an internal "Healthcare CEO" to audit claims and manage vendor relationships.
• Mark Cuban’s vision for the future: eliminating traditional health insurance companies in favor of a healthcare banking and loan model.

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.

]]>3014costplusdrugs,cuban,health,healthbenefits,healthinsurance,insurance,mark,markcubanfalsefull74. Benefits Consultant Reacts to Shady Contract Clauses w/ Chelsea Ryckishttps://www.spreaker.com/episode/74-benefits-consultant-reacts-to-shady-contract-clauses-w-chelsea-ryckis--70879779

In this solo episode of The Business of Benefits, Chelsea Ryckis of Ethos Benefits pulls back the curtain on the most alarming contract clauses she's encountered in the last six to eight months. From undisclosed broker bonuses and spread pricing to termination traps and one-sided indemnification clauses, Chelsea breaks down exactly what to look for and what it actually means for your company.

This episode is essential listening for any business owner, HR professional, or benefits committee member who wants to fulfill their fiduciary duty and protect their plan participants.

What You'll Learn:
- The six forensic lenses Ethos Benefits uses to review every vendor contract
- How to identify hidden conflicts of interest and undisclosed compensation
- Why your scope of services must be written down and what happens when it isn't
- How to use KPIs and performance guarantees to hold vendors accountable
- Why implementation guarantees matter more than service guarantees
- How vendors use HIPAA as an excuse to block your access to your own data
- The termination clause that forced a plan sponsor to pay a broker they'd already fired
- Why the future of healthcare reform lives in contract language

Connect with Chelsea Ryckis:
https://www.linkedin.com/in/chelsea-ryckis-8508a192/

Ethos Benefits: https://ethosbenefits.com/

--------------------------------

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>https://api.spreaker.com/episode/70879779Thu, 26 Mar 2026 13:00:03 +0000Hi Hello Labs NetworkYour health plan contracts are full of hidden traps and most employers never read them until it's too late. In this solo episode of The Business of Benefits, Chelsea Ryckis of Ethos Benefits pulls back the curtain on the most alarming contract...

In this solo episode of The Business of Benefits, Chelsea Ryckis of Ethos Benefits pulls back the curtain on the most alarming contract clauses she's encountered in the last six to eight months. From undisclosed broker bonuses and spread pricing to termination traps and one-sided indemnification clauses, Chelsea breaks down exactly what to look for and what it actually means for your company.

This episode is essential listening for any business owner, HR professional, or benefits committee member who wants to fulfill their fiduciary duty and protect their plan participants.

What You'll Learn:
- The six forensic lenses Ethos Benefits uses to review every vendor contract
- How to identify hidden conflicts of interest and undisclosed compensation
- Why your scope of services must be written down and what happens when it isn't
- How to use KPIs and performance guarantees to hold vendors accountable
- Why implementation guarantees matter more than service guarantees
- How vendors use HIPAA as an excuse to block your access to your own data
- The termination clause that forced a plan sponsor to pay a broker they'd already fired
- Why the future of healthcare reform lives in contract language

Connect with Chelsea Ryckis:
https://www.linkedin.com/in/chelsea-ryckis-8508a192/

Ethos Benefits: https://ethosbenefits.com/

--------------------------------

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>2000agreements,contract,contracts,disclosure,finance,healthinsurance,healthinsurancebroker,humanresources,insurance,insurancebroker,law,legalfalsefull73. From Peo to Independent Excellence: The GQR Wynden Stark Healthcare Storyhttps://www.spreaker.com/episode/73-from-peo-to-independent-excellence-the-gqr-wynden-stark-healthcare-story--70625953
We explore the highs, the lows, and the unexpected curveballs—from navigating mergers and acquisitions to tackling the complexities of a fluctuating workforce in the healthcare staffing industry. Discover how Wynden Stark, with the guidance of Ethos Benefits, moved from a fully insured model to a custom, unbundled, self-funded plan, achieving over $3.7 million in savings in just two years. This case study reveals the power of a fiduciary approach, the critical role of data in negotiations, and how to build a plan that delivers both financial results and a superior member experience. If you want to learn how to take back control of your healthcare spend and become a true steward of your company’s benefits, this episode is a must-listen.

What You’ll Learn

The 5-year roadmap from a fully insured plan to a high-performing, self-funded model.
How to navigate a 42% renewal increase and turn it into a -1.3% decrease.
The power of carving out your Pharmacy Benefit Manager (PBM) and the massive savings potential in Rx.
Strategies for implementing an unbundled plan with an independent TPA and fiduciary PBM.
How to use data and analytics to negotiate with carriers and stop-loss providers.
The importance of member communication and advocacy in a self-funded environment.
Innovative solutions like international pharmacy sourcing and spousal HRAs that drive down costs.
How to maintain an excellent member experience even with major plan design changes.

--------------------------------
Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/70625953Fri, 13 Mar 2026 16:48:08 +0000Hi Hello Labs NetworkIn this special episode of The Business of Benefits, we pull back the curtain on a real-life, multi-year healthcare strategy transformation. Join our hosts as they sit down with Connie Alvarez, Director of HR at Wynden Stark, to dissect the five-year...
We explore the highs, the lows, and the unexpected curveballs—from navigating mergers and acquisitions to tackling the complexities of a fluctuating workforce in the healthcare staffing industry. Discover how Wynden Stark, with the guidance of Ethos Benefits, moved from a fully insured model to a custom, unbundled, self-funded plan, achieving over $3.7 million in savings in just two years. This case study reveals the power of a fiduciary approach, the critical role of data in negotiations, and how to build a plan that delivers both financial results and a superior member experience. If you want to learn how to take back control of your healthcare spend and become a true steward of your company’s benefits, this episode is a must-listen.

What You’ll Learn

The 5-year roadmap from a fully insured plan to a high-performing, self-funded model.
How to navigate a 42% renewal increase and turn it into a -1.3% decrease.
The power of carving out your Pharmacy Benefit Manager (PBM) and the massive savings potential in Rx.
Strategies for implementing an unbundled plan with an independent TPA and fiduciary PBM.
How to use data and analytics to negotiate with carriers and stop-loss providers.
The importance of member communication and advocacy in a self-funded environment.
Innovative solutions like international pharmacy sourcing and spousal HRAs that drive down costs.
How to maintain an excellent member experience even with major plan design changes.

How a small employer (125 employees) can implement innovative healthcare strategies often considered only for large corporations.
The limitations of fully insured plans and the benefits of transitioning to level-funded and self-funded models.
The importance of data transparency in understanding and controlling healthcare cost drivers.
How to strategically unbundle your health plan and select vendors aligned with your company's best interests.
The critical role of a fiduciary PBM in managing pharmacy costs, which are often a significant expense.
Actionable steps to take control of your health plan, negotiate better terms, and reduce costs without compromising employee benefits.

How a small employer (125 employees) can implement innovative healthcare strategies often considered only for large corporations.
The limitations of fully insured plans and the benefits of transitioning to level-funded and self-funded models.
The importance of data transparency in understanding and controlling healthcare cost drivers.
How to strategically unbundle your health plan and select vendors aligned with your company's best interests.
The critical role of a fiduciary PBM in managing pharmacy costs, which are often a significant expense.
Actionable steps to take control of your health plan, negotiate better terms, and reduce costs without compromising employee benefits.

--------------------------------

Finished with the content? Claim your CE credit here:

https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>3546fiduciary,health,healthinsurance,humanresources,insurancefalsefull71. The Hospital Programs Your Broker Never Mentioned: 501(r) & Hospital Bill Review with Patrick Haighttps://www.spreaker.com/episode/71-the-hospital-programs-your-broker-never-mentioned-501-r-hospital-bill-review-with-patrick-haig--69892841Patrick explains how Goodbill leverages this and other strategies to audit hospital bills, find errors (which appear in about half of all bills), and secure significant savings. This is a must-listen for any CFO, CHRO, or business owner looking to fulfill their fiduciary duty, contain rising healthcare costs, and provide real, tangible support to their employees—especially those on high-deductible health plans.

What you’ll learn:
- What 501R is and how it mandates financial assistance from 80% of hospital beds in the US.
- The surprisingly high income thresholds that allow many employees to qualify for bill reductions or full waivers.
- How to get refunds for hospital bills that have already been paid.
- Why half of all hospital bills contain errors and how to find and correct them for savings of 20% or more.
- How proactive bill review can be a powerful tool for employee advocacy and trust-building, not a punitive measure.
- Practical steps for implementing a bill review and financial assistance program, whether you have a fully insured or self-funded plan.

Time Stamps:
00:00 – Preview
01:16 - The Business of Benefits Intro
01:43 – Meet Patrick Haig
03:11 – What is 501R?
05:15 – For-Profit Hospitals and Financial Assistance
08:23 – Income Limits for 501R
12:00 – How Goodbill Reviews Bills for Errors
13:35 – Why Don't More People Know About 501R?
16:05 – The Bill Review Process
18:51 – Shocking Bill Review Results
22:09 – Fiduciary Duty and Overpaying for Healthcare
25:28 – Bill Review Thresholds and Inaccuracy Percentages
29:26 – Common Hospital Billing Errors
34:28 – Implementation and Integration of Goodbill
37:15 – Timing and Refunds for 501R
41:47 – Where to Find Patrick Haig

--------------------------------

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education
SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.
HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/69892841Thu, 12 Feb 2026 13:00:02 +0000Hi Hello Labs NetworkIn this episode of The Business of Benefits, host Donovan Ryckis sits down with Patrick Haig, co-founder and CEO of Goodbill, to reveal the secrets of hospital billing that every employer needs to know. They dive deep into the world of 501(r), a...Patrick explains how Goodbill leverages this and other strategies to audit hospital bills, find errors (which appear in about half of all bills), and secure significant savings. This is a must-listen for any CFO, CHRO, or business owner looking to fulfill their fiduciary duty, contain rising healthcare costs, and provide real, tangible support to their employees—especially those on high-deductible health plans.

What you’ll learn:
- What 501R is and how it mandates financial assistance from 80% of hospital beds in the US.
- The surprisingly high income thresholds that allow many employees to qualify for bill reductions or full waivers.
- How to get refunds for hospital bills that have already been paid.
- Why half of all hospital bills contain errors and how to find and correct them for savings of 20% or more.
- How proactive bill review can be a powerful tool for employee advocacy and trust-building, not a punitive measure.
- Practical steps for implementing a bill review and financial assistance program, whether you have a fully insured or self-funded plan.

Time Stamps:
00:00 – Preview
01:16 - The Business of Benefits Intro
01:43 – Meet Patrick Haig
03:11 – What is 501R?
05:15 – For-Profit Hospitals and Financial Assistance
08:23 – Income Limits for 501R
12:00 – How Goodbill Reviews Bills for Errors
13:35 – Why Don't More People Know About 501R?
16:05 – The Bill Review Process
18:51 – Shocking Bill Review Results
22:09 – Fiduciary Duty and Overpaying for Healthcare
25:28 – Bill Review Thresholds and Inaccuracy Percentages
29:26 – Common Hospital Billing Errors
34:28 – Implementation and Integration of Goodbill
37:15 – Timing and Refunds for 501R
41:47 – Where to Find Patrick Haig

--------------------------------

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education
SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.
HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>2531healthbenefits,healthinsurance,healthplan,hospitalbills,hospitals,insurancefalsefull70. Redefining Benefits Leadership w/ Stephanie Porrino & Kristina Ewinghttps://www.spreaker.com/episode/70-redefining-benefits-leadership-w-stephanie-porrino-kristina-ewing--69626090

From self-funding and reference-based pricing to no-cost care alternatives and fiduciary governance, Stephanie and Kristina reveal how they navigated complex challenges, disrupted traditional models, and built multi-year benefits strategies that prioritize both financial sustainability and employee wellbeing.

Time Stamps:
00:00 – Welcome to The Business of Benefits
01:02 – Introduction to Guests and Episode Overview
02:19 – Stephanie and Kristina’s Backgrounds and Company Profiles
04:10 – Stephanie’s “Aha” Moment: Discovering Healthcare Pricing Discrepancies
07:19 – Kristina’s Journey: Unbundling and Finding the Right Partners
09:31 – The Importance of Ownership and Advisor Switching
10:08 – Kristina’s Multi-Year Benefits Strategy Overview
13:26 – Overcoming Challenges: Member Education and Engagement
15:41 – Vendor Summit and Setting KPIs for Accountability
18:07 – Hendry Marine’s Roadmap to Reference-Based Pricing and Pharmacy Savings
20:54 – Increasing Preventive Care Utilization with Onsite Clinics
25:29 – Financial Performance and Savings Highlights from Shoestring Valley
27:15 – New Program Innovations and Plan Design Shifts at Hendry Marine
30:25 – Managing High-Cost Claimants and Spousal Coverage Strategies
32:53 – Incentivizing In-Network Utilization and Mental Health Support
33:21 – Compliance and Fiduciary Responsibilities: Leveraging CAA and ERISA
37:03 – Procurement Best Practices: Questions to Ask Vendors
41:32 – Fiduciary Governance: Committees and Due Diligence
43:55 – Addressing Disruption and Administrative Burden in Benefits Changes
46:13 – Q&A: International Pharmacy Programs Explained
47:33 – Q&A: Direct Primary Care and C-Suite Perspectives on ROI vs. Disruption
50:44 – Closing Thoughts on Employee Experience and Leadership Alignment

Guest Links:
Stephanie Porrino
LinkedIn: https://www.linkedin.com/in/stephanieporrino/
Hendry Marine Industries: https://hendrymarineindustries.com/

Kristina Ewing
LinkedIn: https://www.linkedin.com/in/kristina-ewing-98aa9867/
Shoestring Valley Holdings: https://www.shoestringvalley.com/
Andersen Construction: https://www.andersen-const.com/

Connect with Chelsea and Donovan:
Website: www.businessofbenefitspodcast.com
Instagram: https://www.instagram.com/businessofbenefitspodcast
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

--------------------------------

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>https://api.spreaker.com/episode/69626090Thu, 29 Jan 2026 13:00:10 +0000Hi Hello Labs NetworkIn this episode of The Business of Benefits, host Chelsea Ryckis sits down with two trailblazing benefits leaders, Stephanie Porrino, Director of HR at Hendry Marine Industries, and Kristina Ewing, Director of Health and Wellbeing at Shoestring Valley...

From self-funding and reference-based pricing to no-cost care alternatives and fiduciary governance, Stephanie and Kristina reveal how they navigated complex challenges, disrupted traditional models, and built multi-year benefits strategies that prioritize both financial sustainability and employee wellbeing.

Time Stamps:
00:00 – Welcome to The Business of Benefits
01:02 – Introduction to Guests and Episode Overview
02:19 – Stephanie and Kristina’s Backgrounds and Company Profiles
04:10 – Stephanie’s “Aha” Moment: Discovering Healthcare Pricing Discrepancies
07:19 – Kristina’s Journey: Unbundling and Finding the Right Partners
09:31 – The Importance of Ownership and Advisor Switching
10:08 – Kristina’s Multi-Year Benefits Strategy Overview
13:26 – Overcoming Challenges: Member Education and Engagement
15:41 – Vendor Summit and Setting KPIs for Accountability
18:07 – Hendry Marine’s Roadmap to Reference-Based Pricing and Pharmacy Savings
20:54 – Increasing Preventive Care Utilization with Onsite Clinics
25:29 – Financial Performance and Savings Highlights from Shoestring Valley
27:15 – New Program Innovations and Plan Design Shifts at Hendry Marine
30:25 – Managing High-Cost Claimants and Spousal Coverage Strategies
32:53 – Incentivizing In-Network Utilization and Mental Health Support
33:21 – Compliance and Fiduciary Responsibilities: Leveraging CAA and ERISA
37:03 – Procurement Best Practices: Questions to Ask Vendors
41:32 – Fiduciary Governance: Committees and Due Diligence
43:55 – Addressing Disruption and Administrative Burden in Benefits Changes
46:13 – Q&A: International Pharmacy Programs Explained
47:33 – Q&A: Direct Primary Care and C-Suite Perspectives on ROI vs. Disruption
50:44 – Closing Thoughts on Employee Experience and Leadership Alignment

Guest Links:
Stephanie Porrino
LinkedIn: https://www.linkedin.com/in/stephanieporrino/
Hendry Marine Industries: https://hendrymarineindustries.com/

Kristina Ewing
LinkedIn: https://www.linkedin.com/in/kristina-ewing-98aa9867/
Shoestring Valley Holdings: https://www.shoestringvalley.com/
Andersen Construction: https://www.andersen-const.com/

Connect with Chelsea and Donovan:
Website: www.businessofbenefitspodcast.com
Instagram: https://www.instagram.com/businessofbenefitspodcast
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

--------------------------------

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>3088fiduciary,governance,health,healthbenefits,healthcare,healthinsurance,hospitals,insurance,strategyfalsefull69. Zero-Copay Generic Drugs & Six-Figure Savings w/ Trace Voshellhttps://www.spreaker.com/episode/69-zero-copay-generic-drugs-six-figure-savings-w-trace-voshell--69447835
Trace pulls back the curtain on how PBMs profit twice (on adjudication and through ownership of mail order pharmacies), why brokers often block cost-saving solutions (hint: per-script kickbacks), and how employers can bypass these roadblocks even when they feel "handcuffed" to large carrier PBMs. With real case studies showing $45,000 to $140,000+ in annual savings, this episode proves that transparent cost-plus pharmacy pricing can deliver six-figure savings while offering employees zero-copay medications.

What You'll Learn:
- Why generic drugs represent the biggest overlooked savings opportunity in pharmacy benefits
- How PBM "spread pricing" allows them to pocket the difference between what they charge you and what they pay pharmacies
- The shocking conflict of interest: PBMs owning their own mail order pharmacies and profiting twice
- Why brokers often block pharmacy savings solutions (per-script fees and backend compensation)
- Real case studies: How a 70-employee shop saves $45K annually and larger groups save $130K-$140K+
- The difference between GoGoMeds and Mark Cuban Cost Plus Drug Company
- How to bypass PBM roadblocks with direct-to-employer pharmacy arrangements
- The vague PBM contract language that enables systematic overcharging (and how to spot it)
- A 60-second ChatGPT hack to identify unfavorable terms in your PBM contract
- Why zero-copay generics are a powerful recruitment, retention, and employee trust-building tool
- How to implement mail order generic pharmacy mid-year without waiting for renewal

--------------------------------

Get more on our guest Trace at:
GoGoMeds
https://gogomeds.com/GoGoClient/

LinkedIn: Trace Voshell
https://www.linkedin.com/in/trace-voshell-34040b7a/

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
The Business of Benefits Podcast Website:
https://www.businessofbenefitspodcast.com

Instagram
https://www.instagram.com/businessofbenefitspodcast/

Chelsea
https://www.linkedin.com/in/chelsea-ryckis-8508a192/

Donovan
https://www.linkedin.com/in/donovanryckis/

--------------------------------

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>https://api.spreaker.com/episode/69447835Thu, 15 Jan 2026 12:45:08 +0000Hi Hello Labs NetworkIn this episode of The Business of Benefits, host Donovan Ryckis sits down with Trace Voshell, Chief Revenue Officer at GoGoMeds, to expose one of the most overlooked cost drains in employer healthcare: generic drug inflation. While most employers...
Trace pulls back the curtain on how PBMs profit twice (on adjudication and through ownership of mail order pharmacies), why brokers often block cost-saving solutions (hint: per-script kickbacks), and how employers can bypass these roadblocks even when they feel "handcuffed" to large carrier PBMs. With real case studies showing $45,000 to $140,000+ in annual savings, this episode proves that transparent cost-plus pharmacy pricing can deliver six-figure savings while offering employees zero-copay medications.

What You'll Learn:
- Why generic drugs represent the biggest overlooked savings opportunity in pharmacy benefits
- How PBM "spread pricing" allows them to pocket the difference between what they charge you and what they pay pharmacies
- The shocking conflict of interest: PBMs owning their own mail order pharmacies and profiting twice
- Why brokers often block pharmacy savings solutions (per-script fees and backend compensation)
- Real case studies: How a 70-employee shop saves $45K annually and larger groups save $130K-$140K+
- The difference between GoGoMeds and Mark Cuban Cost Plus Drug Company
- How to bypass PBM roadblocks with direct-to-employer pharmacy arrangements
- The vague PBM contract language that enables systematic overcharging (and how to spot it)
- A 60-second ChatGPT hack to identify unfavorable terms in your PBM contract
- Why zero-copay generics are a powerful recruitment, retention, and employee trust-building tool
- How to implement mail order generic pharmacy mid-year without waiting for renewal

--------------------------------

Get more on our guest Trace at:
GoGoMeds
https://gogomeds.com/GoGoClient/

LinkedIn: Trace Voshell
https://www.linkedin.com/in/trace-voshell-34040b7a/

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
The Business of Benefits Podcast Website:
https://www.businessofbenefitspodcast.com

Instagram
https://www.instagram.com/businessofbenefitspodcast/

Chelsea
https://www.linkedin.com/in/chelsea-ryckis-8508a192/

Donovan
https://www.linkedin.com/in/donovanryckis/

--------------------------------

Finished with the content? Claim your CE credit here:
https://ideas.ethosbenefits.com/continuing-education

SHRM:
Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI:
Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>1742benefits,employeebenefits,employer,health,healthbenefits,healthcare,pbm,pharmacy,pharmacybenefitsmanagerfalsefull68. The Great American Healthcare Heist with Guest Chris Deaconhttps://www.spreaker.com/episode/68-the-great-american-healthcare-heist-with-guest-chris-deacon--69110143
You will hear Chris unpack key themes from her new book The Great American Healthcare Heist: Why We’re Paying More and Getting Less, including nonprofit hospital expansion, fully insured versus self-funded plans, the hidden incentives of carriers and PBMs, compensation conflicts in the broker/consultant world, and why most claim review processes are built to fail employers. They also dig into gag clauses, CAA 2021, weak fiduciary enforcement, and how plan sponsors can start demanding data, transparency, and true accountability from everyone at the table.

If you are a CFO, HR leader, benefits advisor, or plan sponsor who suspects you are getting crushed by a broken system but are not sure what to do next, this conversation will both infuriate you and give you a playbook to start pushing back.

Get more on our Guest Chris at:
Website: versanconsulting.com
Linkedin: https://www.linkedin.com/in/cdeaconc/

--------------------------------
Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: www.businessofbenefitspodcast.com
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/69110143Thu, 18 Dec 2025 14:00:08 +0000Hi Hello Labs NetworkIn this episode, Donovan and Chelsea sit down with Chris Deacon, a nationally known healthcare reform advocate, attorney, and former director of the State of New Jersey’s massive public sector health plan. Chris pulls back the curtain on how public...
You will hear Chris unpack key themes from her new book The Great American Healthcare Heist: Why We’re Paying More and Getting Less, including nonprofit hospital expansion, fully insured versus self-funded plans, the hidden incentives of carriers and PBMs, compensation conflicts in the broker/consultant world, and why most claim review processes are built to fail employers. They also dig into gag clauses, CAA 2021, weak fiduciary enforcement, and how plan sponsors can start demanding data, transparency, and true accountability from everyone at the table.

If you are a CFO, HR leader, benefits advisor, or plan sponsor who suspects you are getting crushed by a broken system but are not sure what to do next, this conversation will both infuriate you and give you a playbook to start pushing back.

Get more on our Guest Chris at:
Website: versanconsulting.com
Linkedin: https://www.linkedin.com/in/cdeaconc/

--------------------------------
Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: www.businessofbenefitspodcast.com
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>3236falsefull67. How One Employer Broke The Renewal Cycle: A Case Studyhttps://www.spreaker.com/episode/67-how-one-employer-broke-the-renewal-cycle-a-case-study--68983362

Brenda shares Axiom’s transformation... from repeated renewal frustration to achieving a 13% premium decrease, lowering deductibles, expanding benefits, and reducing employee out-of-pocket costs by 27–38%. Eric and Donovan dig into why the healthcare system fails employers, how to identify misaligned incentives, and why transparency and governance are the keys to long-term success.

They also explore PBM dysfunction, compensation conflicts, the four components of a health plan, and why employers must act as true stewards of their healthcare dollars.

What You’ll Learn:
What’s really behind recurring renewal increases
How Axiom achieved a 13% premium decrease while improving benefits
Why data transparency directly drives better outcomes
Why PBM strategy is the fastest path to meaningful savings
The four structural pillars of every health plan
How to build and follow a multi-year health plan strategy
Fiduciary responsibility explained for employer health plans
How to identify and correct misaligned broker/consultant incentives
Practical governance tools: fiduciary committees, 408(b)(2), comp review
What responsible healthcare stewardship looks like for employers

Eric Dyson — 90 North Consulting
LinkedIn: https://www.linkedin.com/in/eric-dyson/
Website: https://90northconsulting.com/
Podcast: Be More Than a Fiduciary

Brenda Kruse — Axiom Healthcare Services
LinkedIn: https://www.linkedin.com/in/brenda-kruse-2078386/
Website: https://www.axiomhealthcareservices.org/

Donovan Ryckis — Ethos Benefits
LinkedIn: https://www.linkedin.com/in/donovanryckis/
Website: https://www.ethosbenefits.com/
Podcast: https://www.youtube.com/@thebusinessofbenefits

Timestamps:
00:00 – Preview
00:38 – Title Intro: The Business of Benefits
01:00 – Episode Overview: Axiom’s journey & fiduciary crossover
02:08 – Guest Introductions
03:53 – Axiom Healthcare Services: Who they are
04:39 – How Axiom Met Ethos Benefits
05:10 – Early Challenges & The Broken Renewal Cycle
05:52 – Ethos’ Approach: Strategy over sidestepping
06:44 – Building a Multi-Year Plan
07:16 – The Renewal Turnaround (13% decrease)
08:26 – Lowering Costs for Employees
09:19 – Why Data Matters in Healthcare Strategy
10:50 – Making Data Simple for Decision Makers
12:27 – Pharmacy Benefits: The 60% Cost Problem
13:25 – PBM Conflicts & Misaligned Incentives
15:25 – Fixing PBM First: High-Return, Low-Friction Changes
16:27 – Member Experience: What Improves
17:37 – Understanding the Four Parts of a Health Plan
18:20 – Increasing Competition & Transparency
19:46 – Compensation Transparency & Fiduciary Responsibility
20:35 – Forming a Fiduciary Committee
22:53 – Industry Conflicts & Broker Incentives
25:07 – 408(b)(2) Disclosures & Reasonable Arrangements
26:22 – Why Compensation Alignment Matters
27:15 – Advice to New Advisors & Consultants
27:50 – Advice to New Benefits Managers
29:18 – Raising the Standard of Care in Healthcare
31:11 – Internal Alignment: How Employers Improve Outcomes
32:27 – A Better Approach: Curiosity Over Judgment
33:10 – What “Good Healthcare Stewardship” Means
34:28 – Ethos Healthcare Documentaries
35:20 – Closing Remarks & Episode Wrap

--------------------------------

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/68983362Thu, 11 Dec 2025 14:00:07 +0000Hi Hello Labs NetworkIn this episode of The Business of Benefits, Donovan Ryckis guest starred on a Be More Than a Fiduciary Podcast episode with Eric Dyson of 90 North Consulting and Brenda Kruse of Axiom Healthcare Services. Together, they break down how employers can...

Brenda shares Axiom’s transformation... from repeated renewal frustration to achieving a 13% premium decrease, lowering deductibles, expanding benefits, and reducing employee out-of-pocket costs by 27–38%. Eric and Donovan dig into why the healthcare system fails employers, how to identify misaligned incentives, and why transparency and governance are the keys to long-term success.

They also explore PBM dysfunction, compensation conflicts, the four components of a health plan, and why employers must act as true stewards of their healthcare dollars.

What You’ll Learn:
What’s really behind recurring renewal increases
How Axiom achieved a 13% premium decrease while improving benefits
Why data transparency directly drives better outcomes
Why PBM strategy is the fastest path to meaningful savings
The four structural pillars of every health plan
How to build and follow a multi-year health plan strategy
Fiduciary responsibility explained for employer health plans
How to identify and correct misaligned broker/consultant incentives
Practical governance tools: fiduciary committees, 408(b)(2), comp review
What responsible healthcare stewardship looks like for employers

Eric Dyson — 90 North Consulting
LinkedIn: https://www.linkedin.com/in/eric-dyson/
Website: https://90northconsulting.com/
Podcast: Be More Than a Fiduciary

Brenda Kruse — Axiom Healthcare Services
LinkedIn: https://www.linkedin.com/in/brenda-kruse-2078386/
Website: https://www.axiomhealthcareservices.org/

Donovan Ryckis — Ethos Benefits
LinkedIn: https://www.linkedin.com/in/donovanryckis/
Website: https://www.ethosbenefits.com/
Podcast: https://www.youtube.com/@thebusinessofbenefits

Timestamps:
00:00 – Preview
00:38 – Title Intro: The Business of Benefits
01:00 – Episode Overview: Axiom’s journey & fiduciary crossover
02:08 – Guest Introductions
03:53 – Axiom Healthcare Services: Who they are
04:39 – How Axiom Met Ethos Benefits
05:10 – Early Challenges & The Broken Renewal Cycle
05:52 – Ethos’ Approach: Strategy over sidestepping
06:44 – Building a Multi-Year Plan
07:16 – The Renewal Turnaround (13% decrease)
08:26 – Lowering Costs for Employees
09:19 – Why Data Matters in Healthcare Strategy
10:50 – Making Data Simple for Decision Makers
12:27 – Pharmacy Benefits: The 60% Cost Problem
13:25 – PBM Conflicts & Misaligned Incentives
15:25 – Fixing PBM First: High-Return, Low-Friction Changes
16:27 – Member Experience: What Improves
17:37 – Understanding the Four Parts of a Health Plan
18:20 – Increasing Competition & Transparency
19:46 – Compensation Transparency & Fiduciary Responsibility
20:35 – Forming a Fiduciary Committee
22:53 – Industry Conflicts & Broker Incentives
25:07 – 408(b)(2) Disclosures & Reasonable Arrangements
26:22 – Why Compensation Alignment Matters
27:15 – Advice to New Advisors & Consultants
27:50 – Advice to New Benefits Managers
29:18 – Raising the Standard of Care in Healthcare
31:11 – Internal Alignment: How Employers Improve Outcomes
32:27 – A Better Approach: Curiosity Over Judgment
33:10 – What “Good Healthcare Stewardship” Means
34:28 – Ethos Healthcare Documentaries
35:20 – Closing Remarks & Episode Wrap

2148benefits cost,benefits healthcare,consulting hr,containment healthcare,costs renewal,employee,governance pbm,healthcare benefits,insights health,insurance,leadership cfo,plan,planning healthcare,plans pharmacy,reform data,responsibility health,stewardship strategic,strategy fiduciary,strategy self-funded,transparency employerfalsefull66. Self-Funding Explained in 60 MINUTES with Spencer Smithhttps://www.spreaker.com/episode/66-self-funding-explained-in-60-minutes-with-spencer-smith--68549292Spencer shares how short, educational content helped bring self-funding concepts downstream, why captives act like “bumpers” against catastrophic renewals, and where employers should start: data access, pharmacy, and a long-term strategy. They cover real-world examples—NICU and oncology claims, lasers, biosimilars, international sourcing—and discuss why employee contributions keep rising when nothing seems to change.

You’ll walk away with a framework to move from guaranteed cost to variable cost with discipline, reduce claims costs without cutting benefits, and ask your broker the questions that matter.

What You’ll Learn:

Self-funded fundamentals and the role of stop-loss
How group captives improve predictability across renewals
The first lever to pull: pharmacy strategy and data access
Why “reduce claims” means smarter pricing and site-of-care, not less care
Three questions every plan sponsor should ask at renewal:
Why these solutions, specifically?
How are you paid, where, and how often?
What’s the long-term strategy beyond this 12-month cycle?
POSIWID: the outcomes your system delivers define its true purpose

Time Stamps:

00:00 – Welcome & Guest Introduction
02:10 – Spencer’s Journey into Self-Funding
06:20 – Breaking Down Stop-Loss & Captives
10:45 – Fully Insured vs Self-Funded Explained
15:12 – The 401(k) Analogy for Health Plans
19:20 – Why Short-Form Education Works in Benefits
24:05 – Pharmacy Costs & Where to Start Saving
28:48 – Broker Incentives and Transparency
34:32 – Data Access, Claims, and Real-World Fixes
41:20 – POSIWID Framework & Final Takeaways

Get more on our Guest at:
Website: https://spencerharlansmith.com/
YouTube: @SelfFunded

--------------------------------
Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>https://api.spreaker.com/episode/68549292Thu, 04 Dec 2025 15:48:00 +0000Hi Hello Labs NetworkIn this episode, Donovan Ryckis, CEO of Ethos Benefits, sits down with Spencer Smith (SVP of Sales at Pareto Health and host of Self-Funded with Spencer) to unpack captives, stop-loss, PBMs, and the steps plan sponsors can take to finally regain...Spencer shares how short, educational content helped bring self-funding concepts downstream, why captives act like “bumpers” against catastrophic renewals, and where employers should start: data access, pharmacy, and a long-term strategy. They cover real-world examples—NICU and oncology claims, lasers, biosimilars, international sourcing—and discuss why employee contributions keep rising when nothing seems to change.

You’ll walk away with a framework to move from guaranteed cost to variable cost with discipline, reduce claims costs without cutting benefits, and ask your broker the questions that matter.

What You’ll Learn:

Self-funded fundamentals and the role of stop-loss
How group captives improve predictability across renewals
The first lever to pull: pharmacy strategy and data access
Why “reduce claims” means smarter pricing and site-of-care, not less care
Three questions every plan sponsor should ask at renewal:
Why these solutions, specifically?
How are you paid, where, and how often?
What’s the long-term strategy beyond this 12-month cycle?
POSIWID: the outcomes your system delivers define its true purpose

Time Stamps:

00:00 – Welcome & Guest Introduction
02:10 – Spencer’s Journey into Self-Funding
06:20 – Breaking Down Stop-Loss & Captives
10:45 – Fully Insured vs Self-Funded Explained
15:12 – The 401(k) Analogy for Health Plans
19:20 – Why Short-Form Education Works in Benefits
24:05 – Pharmacy Costs & Where to Start Saving
28:48 – Broker Incentives and Transparency
34:32 – Data Access, Claims, and Real-World Fixes
41:20 – POSIWID Framework & Final Takeaways

Get more on our Guest at:
Website: https://spencerharlansmith.com/
YouTube: @SelfFunded

--------------------------------
Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>2721falsefull65. The New Fiduciary Frontier: Transparency, Litigation & the Future of Employer Health Planshttps://www.spreaker.com/episode/65-the-new-fiduciary-frontier-transparency-litigation-the-future-of-employer-health-plans--68649266
In this conversation, he explains why:

CAA compensation disclosures are “an absolute joke”
Brokers and ASOs avoid disclosure by redefining themselves
Employers are left negotiating blindfolded
Current PBM and ASO lawsuits are stalled by standing issues
Fiduciary governance needs to mirror 401(k) standards
Machine-readable files and AI will change everything
Hidden compensation lives in places most employers never look
Transparency is worthless without someone who knows how to use the data

If you're a CFO, CHRO, HR Director, consultant, or fiduciary of a health plan, this conversation will change how you see the entire benefits ecosystem.

What You’ll Learn:

Why CAA broker transparency rules failed
How hidden compensation still influences broker recommendations
Why employers must build fiduciary governance like their 401(k) plans
The difference between named vs. functional fiduciaries
How data, machine-readable files, and AI tools will reshape oversight
Why market concentration and hospital power keep prices high
How reference-based pricing and captives fit into employer strategy
What upcoming congressional reforms might change

Time Stamps:
00:00 – Preview
00:53 – Show Opener
01:18 – Donovan’s Introduction
02:04 – Meet Alden Bianchi
02:49 – Alden’s Background (ACA, ERISA, Romney Reform)
03:39 – Why Employer Healthcare Costs Exploded
05:10 – Fiduciary Exposure and 401(k) Lessons
07:17 – Donovan on Lack of Data in Healthcare
08:49 – ACA vs. CAA: What Transparency Actually Changed
10:12 – Machine-Readable Files: Why They Matter
10:59 – Broker Compensation Rules Are “A Joke”
12:14 – Why Disclosures Don’t Work (Undisclosed Incentives)
14:02 – Donovan on Conflicts in Broker Comp
15:30 – The True Fiduciary Standard for Employers
16:14 – Alden’s B.O.L.O.s: Override Commissions, Referral Fees
17:48 – Fiduciaries Must Become Quant Analysts
18:54 – Who Is a Fiduciary? Alden’s Simple Definition
20:36 – Why Fiduciary Exposure Is Personal
21:13 – SHRM, CAA Compliance, and Employer Pushback
21:56 – Challenges With Gag Clauses, RxDC, and Disclosures
23:33 – Why Naming a Fiduciary Protects the Board
25:40 – PBM Lawsuits: Standing Problems Explained
27:35 – Why ERISA Remedies Are So Hard to Win
29:20 – How PBM Practices Impact Premiums & Wages
30:31 – Employers Subsidizing Medicare Rates
31:13 – The $35,000 Family Plan Problem
31:44 – Extreme Cases of 16x–21x Medicare Pricing
32:29 – Alden on Reference-Based Pricing’s Role
33:29 – Why Obamacare Didn’t Lower Costs
34:27 – Hospital Profits, Medicare Rates & Misconceptions
35:08 – Are Hospitals Really Underpaid?
36:18 – Where Employers Should Actually Start
37:43 – Incentive Problems in Broker/Consultant Models
38:29 – Group Captives, AHPs, and Small Employer Solutions
39:47 – Why Transparent Products Matter
40:20 – Claims Reporting Problems (Body-Part Categories)
41:18 – The Real Issue: Market Concentration, Not Just Benefits
41:43 – PBM Regulation vs. Antitrust Problems
42:26 – Broker Compensation Should Be on Page 1 of Renewals
44:05 – Hidden Comp in MECs, Indemnity & Non-ERISA Lines
45:48 – Excess Compensation, Double-Dipping & Fiduciary Risk
46:03 – Alden’s Final Advice to Employers
46:55 – Follow Alden on LinkedIn (B.O.L.O. Posts)
47:28 – Closing Thoughts & Episode Wrap-Up

Connect With Alden Bianchi
LinkedIn: https://www.linkedin.com/in/ajbianchi/
Firm Bio: https://www.mintz.com/people/alden-j-bianchi

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Subscribe for Weekly Employer Insights!

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>https://api.spreaker.com/episode/68649266Thu, 20 Nov 2025 13:00:08 +0000Hi Hello Labs NetworkIn this episode of The Business of Benefits, Donovan Ryckis sits down with attorney and national thought leader Alden J. Bianchi to expose one of the most costly and overlooked failures in employer-sponsored healthcare: the illusion of broker...
In this conversation, he explains why:

CAA compensation disclosures are “an absolute joke”
Brokers and ASOs avoid disclosure by redefining themselves
Employers are left negotiating blindfolded
Current PBM and ASO lawsuits are stalled by standing issues
Fiduciary governance needs to mirror 401(k) standards
Machine-readable files and AI will change everything
Hidden compensation lives in places most employers never look
Transparency is worthless without someone who knows how to use the data

If you're a CFO, CHRO, HR Director, consultant, or fiduciary of a health plan, this conversation will change how you see the entire benefits ecosystem.

What You’ll Learn:

Why CAA broker transparency rules failed
How hidden compensation still influences broker recommendations
Why employers must build fiduciary governance like their 401(k) plans
The difference between named vs. functional fiduciaries
How data, machine-readable files, and AI tools will reshape oversight
Why market concentration and hospital power keep prices high
How reference-based pricing and captives fit into employer strategy
What upcoming congressional reforms might change

Time Stamps:
00:00 – Preview
00:53 – Show Opener
01:18 – Donovan’s Introduction
02:04 – Meet Alden Bianchi
02:49 – Alden’s Background (ACA, ERISA, Romney Reform)
03:39 – Why Employer Healthcare Costs Exploded
05:10 – Fiduciary Exposure and 401(k) Lessons
07:17 – Donovan on Lack of Data in Healthcare
08:49 – ACA vs. CAA: What Transparency Actually Changed
10:12 – Machine-Readable Files: Why They Matter
10:59 – Broker Compensation Rules Are “A Joke”
12:14 – Why Disclosures Don’t Work (Undisclosed Incentives)
14:02 – Donovan on Conflicts in Broker Comp
15:30 – The True Fiduciary Standard for Employers
16:14 – Alden’s B.O.L.O.s: Override Commissions, Referral Fees
17:48 – Fiduciaries Must Become Quant Analysts
18:54 – Who Is a Fiduciary? Alden’s Simple Definition
20:36 – Why Fiduciary Exposure Is Personal
21:13 – SHRM, CAA Compliance, and Employer Pushback
21:56 – Challenges With Gag Clauses, RxDC, and Disclosures
23:33 – Why Naming a Fiduciary Protects the Board
25:40 – PBM Lawsuits: Standing Problems Explained
27:35 – Why ERISA Remedies Are So Hard to Win
29:20 – How PBM Practices Impact Premiums & Wages
30:31 – Employers Subsidizing Medicare Rates
31:13 – The $35,000 Family Plan Problem
31:44 – Extreme Cases of 16x–21x Medicare Pricing
32:29 – Alden on Reference-Based Pricing’s Role
33:29 – Why Obamacare Didn’t Lower Costs
34:27 – Hospital Profits, Medicare Rates & Misconceptions
35:08 – Are Hospitals Really Underpaid?
36:18 – Where Employers Should Actually Start
37:43 – Incentive Problems in Broker/Consultant Models
38:29 – Group Captives, AHPs, and Small Employer Solutions
39:47 – Why Transparent Products Matter
40:20 – Claims...]]>2862aldenbianchi,broker,business,businessideas,businesspodcast,ceo,cfo,chelsearyckis,donovanryckis,fiduciary,finance,health,healthbenefits,healthcare,healthinsurance,hospital,hr,humanresources,insurancefalse65full64. Breaking Free from the Broker Trap with Lori Kleimanhttps://www.spreaker.com/episode/64-breaking-free-from-the-broker-trap-with-lori-kleiman--68549293

We cover how small to mid-size employers can decide when to hire fractional or in-house HR, why headcount matters more than revenue, and the rising complexity of multi-state compliance. We also unpack the hidden opportunity for HR to lead on healthcare and benefits strategy.

Chelsea explains renewal “stall” tactics, fiduciary responsibility on health plans, and practical steps HR can take to earn a seat at the table with data and action.

What you’ll learn:

When a company truly needs fractional HR vs its first in-house generalist
Why certifications like PHR and SHRM-CP help smaller employers hire confidently
How tech can increase HR workload and employee questions, not reduce them
A simple path to move from tactical HR to strategic HR that drives ROI
The fiduciary duty HR has on health plans, what to ask from brokers, and how to escape the 60-day renewal crunch
Practical ideas HR can implement now: communications, data access, compliance checklists, and off-cycle planning

Time Stamps
00:00 – Welcome to The Business of Benefits
01:08 – Meet Lori Kleiman
04:45 – Building an HR Business from the Basement
07:15 – When Small Businesses Really Need HR
10:02 – Technology’s Impact on HR Workloads
12:18 – Tactical vs. Strategic HR
15:26 – What to Look For When Hiring HR
18:41 – How Much HR Certifications Cost
21:10 – Using ExamEdge and Affordable Prep Options
23:20 – Moving from Tactical to Strategic HR
27:00 – Understanding Fiduciary Duty in Health Plans
30:36 – How HR Can Drive Benefits Strategy
33:22 – Why Benefit Renewals Feel Impossible
36:10 – Taking Back Control of Your Renewal
38:28 – Shaking Up Your Broker Relationship
40:12 – Giving Back to the HR Community
41:25 – Final Thoughts and Where to Find Lori

Get more on our Guest at:
Website: https://www.hrtopics.com
YouTube: @lorikleimanhrtopics7385

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

--------------------------------

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>https://api.spreaker.com/episode/68549293Thu, 13 Nov 2025 14:00:08 +0000Hi Hello Labs NetworkIn this HR Special, host Chelsea Ryckis sits down with friend and industry leader Lori Kleiman to talk about what it takes to level up from HR department-of-one to strategic business partner, without losing sight of day-to-day realities. We cover...

We cover how small to mid-size employers can decide when to hire fractional or in-house HR, why headcount matters more than revenue, and the rising complexity of multi-state compliance. We also unpack the hidden opportunity for HR to lead on healthcare and benefits strategy.

Chelsea explains renewal “stall” tactics, fiduciary responsibility on health plans, and practical steps HR can take to earn a seat at the table with data and action.

What you’ll learn:

When a company truly needs fractional HR vs its first in-house generalist
Why certifications like PHR and SHRM-CP help smaller employers hire confidently
How tech can increase HR workload and employee questions, not reduce them
A simple path to move from tactical HR to strategic HR that drives ROI
The fiduciary duty HR has on health plans, what to ask from brokers, and how to escape the 60-day renewal crunch
Practical ideas HR can implement now: communications, data access, compliance checklists, and off-cycle planning

Time Stamps
00:00 – Welcome to The Business of Benefits
01:08 – Meet Lori Kleiman
04:45 – Building an HR Business from the Basement
07:15 – When Small Businesses Really Need HR
10:02 – Technology’s Impact on HR Workloads
12:18 – Tactical vs. Strategic HR
15:26 – What to Look For When Hiring HR
18:41 – How Much HR Certifications Cost
21:10 – Using ExamEdge and Affordable Prep Options
23:20 – Moving from Tactical to Strategic HR
27:00 – Understanding Fiduciary Duty in Health Plans
30:36 – How HR Can Drive Benefits Strategy
33:22 – Why Benefit Renewals Feel Impossible
36:10 – Taking Back Control of Your Renewal
38:28 – Shaking Up Your Broker Relationship
40:12 – Giving Back to the HR Community
41:25 – Final Thoughts and Where to Find Lori

Get more on our Guest at:
Website: https://www.hrtopics.com
YouTube: @lorikleimanhrtopics7385

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

--------------------------------

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>2532falsefull63. The New Health System: Inside Employer Health with Dr. Zeev Neuwirthhttps://www.spreaker.com/episode/63-the-new-health-system-inside-employer-health-with-dr-zeev-neuwirth--68349307
From the hidden “healthcare tax” driving wage stagnation to how misaligned incentives have created a medical industrial complex, this episode dives deep into the uncomfortable truth: only 20 cents of every healthcare dollar reaches doctors, nurses, and clinicians. The rest? Lost in layers of middlemen, bureaucracy, and profit-driven waste.

Chelsea and Zeev explore how employer-sponsored healthcare became the backbone of American coverage, why primary care has been stripped of its purpose, and how direct primary care (DPC) and CEO engagement can completely change the game for employees and organizations alike. If you’re an executive, benefits advisor, or HR leader who knows there has to be a better way, this conversation will challenge everything you think you know about healthcare financing, delivery, and reform.

Listen to this episode if you want to:

Understand how healthcare financing and delivery actually intersect
Learn how direct primary care can lower costs and improve outcomes
Hear real examples of CEOs transforming employee health and culture
Be inspired to rethink your benefits strategy without the sales fluff

Time Stamps:
00:00 — Welcome to The Business of Benefits
02:15 — Dr. Zeev Neuwirth’s journey from clinician to system reformer
06:40 — The truth about the “medical industrial complex”
12:10 — Where your healthcare dollars really go
18:45 — The failure of traditional primary care
24:10 — Why CEOs are the missing link in healthcare transformation
30:40 — Lessons from the Rosen Hotels model
37:20 — Following the money: the employer’s power to change healthcare
43:30 — The caregiving crisis and what leaders often overlook
47:00 — Final thoughts and resources

Get more on our Guest at: Dr. Zeev Neuwirth
Author of Reframing Healthcare and Beyond the Walls
Podcast: Host of Creating a New Healthcare Podcast
Learn more: zevnewworthhealth.com

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
]]>https://api.spreaker.com/episode/68349307Thu, 30 Oct 2025 14:07:11 +0000Hi Hello Labs NetworkIn this episode of The Business of Benefits Podcast, Chelsea Ryckis sits down with Dr. Zeev Neuwirth — physician, author of Reframing Healthcare and Beyond the Walls, and host of the Creating a New Healthcare podcast — for an unfiltered conversation...
From the hidden “healthcare tax” driving wage stagnation to how misaligned incentives have created a medical industrial complex, this episode dives deep into the uncomfortable truth: only 20 cents of every healthcare dollar reaches doctors, nurses, and clinicians. The rest? Lost in layers of middlemen, bureaucracy, and profit-driven waste.

Chelsea and Zeev explore how employer-sponsored healthcare became the backbone of American coverage, why primary care has been stripped of its purpose, and how direct primary care (DPC) and CEO engagement can completely change the game for employees and organizations alike. If you’re an executive, benefits advisor, or HR leader who knows there has to be a better way, this conversation will challenge everything you think you know about healthcare financing, delivery, and reform.

Listen to this episode if you want to:

Understand how healthcare financing and delivery actually intersect
Learn how direct primary care can lower costs and improve outcomes
Hear real examples of CEOs transforming employee health and culture
Be inspired to rethink your benefits strategy without the sales fluff

How to design an RFP that prevents surprises later
What to demand in contracts: performance guarantees, termination language, fees, BAAs, data sharing, and fiduciary status
The must-ask questions about integrations, cybersecurity, conflicts of interest, and compensation
A simple cadence for accountability meetings that gets results, not excuses
Real examples of catching hidden fees and fixing slow vendor response times
How to build team culture so your staff holds vendors accountable the right way

Who this is for:
Employers, HR leaders, CFOs, and anyone ready to transform a “set it and forget it” benefits program into a high-performing plan.If the truth is out there, are you ready to hear it?

Like, share, and subscribe for more no-BS guidance on benefits that serve your people and your P&L.

TimeStamps:

00:00 Intro and why accountability matters
02:10 Build a better RFP
07:35 Contract must-haves and red flags
13:25 Demo everything and verify claims
17:40 Meeting cadence and escalation that works
23:10 Real-world examples and fixes
28:30 Culture of accountability inside your team
32:10 Final takeaways and next steps

If this helped, like, subscribe, and share with a leader who needs to hear it. Tell us in the comments: What is the first change you will make to your benefits strategy?

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/68151185Thu, 16 Oct 2025 13:00:08 +0000Hi Hello Labs NetworkTired of shiny pitches and vague promises? In this solo episode, we break down a practical, repeatable system for holding your benefits vendors accountable so your plan actually performs. From rock-solid RFPs to airtight contracts and respectful...
In this episode, you’ll learn:

How to design an RFP that prevents surprises later
What to demand in contracts: performance guarantees, termination language, fees, BAAs, data sharing, and fiduciary status
The must-ask questions about integrations, cybersecurity, conflicts of interest, and compensation
A simple cadence for accountability meetings that gets results, not excuses
Real examples of catching hidden fees and fixing slow vendor response times
How to build team culture so your staff holds vendors accountable the right way

00:00 Intro and why accountability matters
02:10 Build a better RFP
07:35 Contract must-haves and red flags
13:25 Demo everything and verify claims
17:40 Meeting cadence and escalation that works
23:10 Real-world examples and fixes
28:30 Culture of accountability inside your team
32:10 Final takeaways and next steps

If this helped, like, subscribe, and share with a leader who needs to hear it. Tell us in the comments: What is the first change you will make to your benefits strategy?

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education

SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.

HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>2136falsefull61. Inside IFEBP: Fiduciary Duty, CEBS & Future Benefits Trends with Justin Heldhttps://www.spreaker.com/episode/61-inside-ifebp-fiduciary-duty-cebs-future-benefits-trends-with-justin-held--67957066

In this episode:

What IFEBP is and how it helps plan sponsors with objective, non-lobbying education
CEBS breakdown: curriculum, timelines, and why employers fund it
Fiduciary duty basics after ERISA and why CAA 2021 put health plans under the spotlight
The 2025–2026 benefits agenda: PBM contracts, data analysis, chronic conditions, GLP-1 coverage, mental and behavioral health, peer support models, and AI in plan administration
How to run a strategic review of your plan: surveys, focus groups, utilization data, KPIs

Simple, high-impact changes most members won’t even notice, but your budget will.

Timestamps:

0:00 Intro
1:08 What IFEBP does and why it’s neutral
6:35 Conferences, toolkits, and daily benefits headlines
10:12 CEBS overview and chapter network
14:45 ERISA fiduciary duty in health and retirement
19:18 Trends: PBM contracts, GLP-1, mental health, AI, fraud prevention
28:40 Peer support models for mental health
33:10 How to future-proof benefits with data and KPIs

What IFEBP is and how it helps plan sponsors with objective, non-lobbying education
CEBS breakdown: curriculum, timelines, and why employers fund it
Fiduciary duty basics after ERISA and why CAA 2021 put health plans under the spotlight
The 2025–2026 benefits agenda: PBM contracts, data analysis, chronic conditions, GLP-1 coverage, mental and behavioral health, peer support models, and AI in plan administration
How to run a strategic review of your plan: surveys, focus groups, utilization data, KPIs

Simple, high-impact changes most members won’t even notice, but your budget will.

Timestamps:

0:00 Intro
1:08 What IFEBP does and why it’s neutral
6:35 Conferences, toolkits, and daily benefits headlines
10:12 CEBS overview and chapter network
14:45 ERISA fiduciary duty in health and retirement
19:18 Trends: PBM contracts, GLP-1, mental health, AI, fraud prevention
28:40 Peer support models for mental health
33:10 How to future-proof benefits with data and KPIs

The red flag no one should ignore: being blocked from your own carrier portal
No access to your ben-admin system and why that traps you from shopping the market
Asking for compensation disclosures under CAA 2021 and getting a flat “no”
Fear tactics about big carriers and how to verify before you trust
Sticker shock: $125 PEPM broker fees and how to benchmark what is reasonable
Perks over performance: NHL boxes, steak dinners, and fiduciary duty
“Broker severance” and the myth of 250 years of benefits experience
“Local” vs. “large” broker labels and what actually matters
Being told you are a “small client” and why that is never an excuse
Shiny value-adds vs. real cost and quality outcomes

Key takeaways

It is your plan and your data. Own the logins, the reports, the invoices.
Verify before you trust. Ask for proof, not talking points.
Benchmark compensation and services against outcomes, not perks.
Hold every vendor accountable to frequency and severity of claims, not swag.

The red flag no one should ignore: being blocked from your own carrier portal
No access to your ben-admin system and why that traps you from shopping the market
Asking for compensation disclosures under CAA 2021 and getting a flat “no”
Fear tactics about big carriers and how to verify before you trust
Sticker shock: $125 PEPM broker fees and how to benchmark what is reasonable
Perks over performance: NHL boxes, steak dinners, and fiduciary duty
“Broker severance” and the myth of 250 years of benefits experience
“Local” vs. “large” broker labels and what actually matters
Being told you are a “small client” and why that is never an excuse
Shiny value-adds vs. real cost and quality outcomes

Key takeaways

It is your plan and your data. Own the logins, the reports, the invoices.
Verify before you trust. Ask for proof, not talking points.
Benchmark compensation and services against outcomes, not perks.
Hold every vendor accountable to frequency and severity of claims, not swag.

Why the 80/20 ACA rule can push premiums up, and what that means for your plan
How to move from reactive renewals to a strategic, employer-controlled model
The difference between fully insured and self funded, and why risk is often misunderstood
How nurse navigation and quality data reduce complications and total spend
Practical first steps to align incentives with an advisor who works for you
When to use bundled, direct contracting, international pharmacy, and reference based pricing
Why better quality often equals lower cost, and how to steer members to it

Why the 80/20 ACA rule can push premiums up, and what that means for your plan
How to move from reactive renewals to a strategic, employer-controlled model
The difference between fully insured and self funded, and why risk is often misunderstood
How nurse navigation and quality data reduce complications and total spend
Practical first steps to align incentives with an advisor who works for you
When to use bundled, direct contracting, international pharmacy, and reference based pricing
Why better quality often equals lower cost, and how to steer members to it

If you are an employer, CFO, or CEO who is tired of trend increases and status quo advice, this conversation will give you a path to real savings and better outcomes.

If this helped, like, subscribe, and share with a leader who needs to hear it. Tell us in the comments: What is the first change you will make to your benefits strategy?

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with our guest today at: https://www.nextgenbenefits.com/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>2567falsefull58. Stop Playing the Renewal Game: A Real Roadmap for Employer Healthcare Planshttps://www.spreaker.com/episode/58-stop-playing-the-renewal-game-a-real-roadmap-for-employer-healthcare-plans--67276011
In this solo episode, host Chelsea breaks down what it really means to have a multi-year healthcare strategy for your company. Instead of reacting to renewals at the last minute and hearing the same excuses year after year, Chelsea shows you how to treat your benefits program like a true business plan—with long-term goals, measurable KPIs, and strategies that actually deliver results.

You’ll hear a real client case study that has achieved five straight years of decreases by following a step-by-step benefits roadmap.

Chelsea also shares:
✅ What isn’t a multi-year healthcare strategy (the reactive renewal game)
✅ How to build a business plan for your benefits, just like any other department
✅ Why data access and employee trust are the foundation for long-term success
✅ The difference between a slow, steady approach and a “shock-and-awe” strategy
✅ Real savings examples—millions of dollars saved while improving employee experience

If you’re an employer tired of rising costs, empty promises, and lack of control, this episode will show you a better way to run your healthcare plan.

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/67276011Thu, 28 Aug 2025 13:10:31 +0000Hi Hello Labs NetworkWelcome back to The Business of Benefits Podcast – your no-BS, no-sales guide to real solutions in employee benefits. In this solo episode, host Chelsea breaks down what it really means to have a multi-year healthcare strategy for your company....
In this solo episode, host Chelsea breaks down what it really means to have a multi-year healthcare strategy for your company. Instead of reacting to renewals at the last minute and hearing the same excuses year after year, Chelsea shows you how to treat your benefits program like a true business plan—with long-term goals, measurable KPIs, and strategies that actually deliver results.

You’ll hear a real client case study that has achieved five straight years of decreases by following a step-by-step benefits roadmap.

Chelsea also shares:
✅ What isn’t a multi-year healthcare strategy (the reactive renewal game)
✅ How to build a business plan for your benefits, just like any other department
✅ Why data access and employee trust are the foundation for long-term success
✅ The difference between a slow, steady approach and a “shock-and-awe” strategy
✅ Real savings examples—millions of dollars saved while improving employee experience

If you’re an employer tired of rising costs, empty promises, and lack of control, this episode will show you a better way to run your healthcare plan.

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>1674falsefull57. Exposing the Flaws in Employer Healthcare: What Brokers Won’t Tell You with Jay Gepferthttps://www.spreaker.com/episode/57-exposing-the-flaws-in-employer-healthcare-what-brokers-won-t-tell-you-with-jay-gepfert--67276012
You’ll hear:

Why healthcare benefits need the same due diligence as retirement plans
How compensation models drive broker behavior—and what to demand instead
A real case study showing 46% savings in broker fees
Why the current healthcare system is broken—and how litigation and legislation are forcing change
What you need to start doing now to protect your plan, your budget, and your people

If you're an HR leader, CFO, or CEO who’s ready to ask the tough questions and rethink your benefits strategy—this episode is your playbook.

Subscribe now and hit the bell so you never miss an episode. Because if the truth is out there... are you ready to hear it? Let us know your thoughts in the comments & don’t forget to subscribe for more no-BS insights.

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Learn more about Jay's work: https://www.culpepperrfp.com/

Connect with Jay Gepfert on LinkedIn: https://www.linkedin.com/in/jay-gepfert-rfps-for-retirement-health-and-welfare-plans-a418027/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/67276012Thu, 07 Aug 2025 13:02:00 +0000Hi Hello Labs NetworkIn this powerful episode, Donovan Ryckis sits down with Jay Gepfert, President of The Culpepper Group, to unpack what employers don't know—and what it’s costing them. With decades of experience on both the retirement and healthcare side of the...
You’ll hear:

Why healthcare benefits need the same due diligence as retirement plans
How compensation models drive broker behavior—and what to demand instead
A real case study showing 46% savings in broker fees
Why the current healthcare system is broken—and how litigation and legislation are forcing change
What you need to start doing now to protect your plan, your budget, and your people

If you're an HR leader, CFO, or CEO who’s ready to ask the tough questions and rethink your benefits strategy—this episode is your playbook.

Subscribe now and hit the bell so you never miss an episode. Because if the truth is out there... are you ready to hear it? Let us know your thoughts in the comments & don’t forget to subscribe for more no-BS insights.

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Learn more about Jay's work: https://www.culpepperrfp.com/

Connect with Jay Gepfert on LinkedIn: https://www.linkedin.com/in/jay-gepfert-rfps-for-retirement-health-and-welfare-plans-a418027/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>2927falsefull56. The Truth About Reference-Based Pricing: What Employees Really Experience with Danielle Younghttps://www.spreaker.com/episode/56-the-truth-about-reference-based-pricing-what-employees-really-experience-with-danielle-young--67091608
We break down:

The truth about provider access
How ClaimDoc achieves a 96%+ acceptance rate
Fear-based tactics vs real-world outcomes
How to handle balance bills — and prevent them
Why communication before open enrollment is key
The co-fiduciary model that protects employees and employers
What brokers should be doing (and what to look out for)
Building a proactive communication strategy that WORKS

This episode is a must-listen for HR leaders, CFOs, and employers ready to take control of their healthcare strategy and rethink everything they thought they knew about RBP.

If you're tired of being sold to and want to make smart, transparent decisions for your people — you're in the right place.

Learn more about ClaimDoc: https://claim-doc.com
Connect with Danielle Young on LinkedIn: https://www.linkedin.com/in/danielle-young-rbp/

Subscribe now and hit the bell so you never miss an episode. Because if the truth is out there... are you ready to hear it? Let us know your thoughts in the comments & don’t forget to subscribe for more no-BS insights.

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/67091608Thu, 24 Jul 2025 13:00:08 +0000Hi Hello Labs NetworkWelcome back to The Business of Benefits Podcast! In Part 2 of our deep dive with Danielle Young of ClaimDoc, we shift focus from theory to reality — what actually happens when employees engage with a reference-based pricing (RBP) plan? We break...
We break down:

The truth about provider access
How ClaimDoc achieves a 96%+ acceptance rate
Fear-based tactics vs real-world outcomes
How to handle balance bills — and prevent them
Why communication before open enrollment is key
The co-fiduciary model that protects employees and employers
What brokers should be doing (and what to look out for)
Building a proactive communication strategy that WORKS

This episode is a must-listen for HR leaders, CFOs, and employers ready to take control of their healthcare strategy and rethink everything they thought they knew about RBP.

If you're tired of being sold to and want to make smart, transparent decisions for your people — you're in the right place.

Learn more about ClaimDoc: https://claim-doc.com
Connect with Danielle Young on LinkedIn: https://www.linkedin.com/in/danielle-young-rbp/

Subscribe now and hit the bell so you never miss an episode. Because if the truth is out there... are you ready to hear it? Let us know your thoughts in the comments & don’t forget to subscribe for more no-BS insights.

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>2062falsefull55. Stop Overpaying for Health Benefits (RBP) for Employers with Guest Danielle Younghttps://www.spreaker.com/episode/55-stop-overpaying-for-health-benefits-rbp-for-employers-with-guest-danielle-young--66904075
And is it as scary as traditional brokers and carriers make it seem? Danielle breaks it down with real-world examples, industry insights, and straight talk on what’s broken in the system and how employers can take back control. From inflated hospital bills to unfair renewal hikes, this conversation is a must-listen for HR leaders, CFOs, and any employer ready to challenge the status quo.

Tune in now to learn:

What reference-based pricing actually is (in plain English)
How RBP can save employers 25–30% in year one
Why fully insured employers are getting screwed too
How to prepare your team and employees for a successful RBP rollout
Why the right advisor makes all the difference

Don’t miss Part 2, where we dive into the employee experience and debunk the fear tactics around RBP.

Subscribe now and hit the bell so you never miss an episode. Because if the truth is out there... are you ready to hear it?

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with today's guest Danielle Young at:
Linkedin: https://www.linkedin.com/in/rbpdanielleyoung

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/66904075Thu, 10 Jul 2025 15:15:17 +0000Hi Hello Labs NetworkWelcome to The Business of Benefits Podcast — the no BS, no sales guide to transforming your health benefits. In this explosive Part 1 of our two-part series, Chelsea Ryckis sits down with Danielle Young of ClaimDoc and host of Claim Talk to unpack...
And is it as scary as traditional brokers and carriers make it seem? Danielle breaks it down with real-world examples, industry insights, and straight talk on what’s broken in the system and how employers can take back control. From inflated hospital bills to unfair renewal hikes, this conversation is a must-listen for HR leaders, CFOs, and any employer ready to challenge the status quo.

Tune in now to learn:

What reference-based pricing actually is (in plain English)
How RBP can save employers 25–30% in year one
Why fully insured employers are getting screwed too
How to prepare your team and employees for a successful RBP rollout
Why the right advisor makes all the difference

Don’t miss Part 2, where we dive into the employee experience and debunk the fear tactics around RBP.

Subscribe now and hit the bell so you never miss an episode. Because if the truth is out there... are you ready to hear it?

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with today's guest Danielle Young at:
Linkedin: https://www.linkedin.com/in/rbpdanielleyoung

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>1840falsefull54. $24 Million Saved: How Stephanie Koch Took Control of Her Company’s Healthcare Spendhttps://www.spreaker.com/episode/54-24-million-saved-how-stephanie-koch-took-control-of-her-company-s-healthcare-spend--66743663
Host Chelsea Ryckis and Stephanie dive deep into:

Why most companies are stuck in “spreadsheet” healthcare
What reference-based pricing really means (and how it changed everything)
How Stephanie turned HR into a profit center
The truth behind working with legacy brokers
Why data access, transparency, and courage are key to real change
The ROI of onsite primary care clinics — and the lives it’s saving

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/66743663Thu, 26 Jun 2025 13:00:08 +0000Hi Hello Labs NetworkToday’s episode of The Business of Benefits is a masterclass in bold HR leadership. Meet Stephanie Koch, Director of HR at Hendry Marine, who shares how she went from sitting silently in renewal meetings to transforming her company’s healthcare...
Host Chelsea Ryckis and Stephanie dive deep into:

Why most companies are stuck in “spreadsheet” healthcare
What reference-based pricing really means (and how it changed everything)
How Stephanie turned HR into a profit center
The truth behind working with legacy brokers
Why data access, transparency, and courage are key to real change
The ROI of onsite primary care clinics — and the lives it’s saving

Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink benefits strategy and finally take control.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>2394falsefull53. Is Your TPA Costing You More Than You Think?https://www.spreaker.com/episode/53-is-your-tpa-costing-you-more-than-you-think--66521695
Eugene brings over two decades of insider expertise to the table, explaining:

The core functions of a TPA—including paying claims, managing eligibility, and building plan logic
What questions employers should ask when selecting a TPA (e.g., claim turnaround time, fee transparency, ownership structure, and scalability)
Red flags to look for in TPA contracts—like hidden fees, clawback charges, or outsourced claim processing
How TPAs interact with other key components like PBMs, stop-loss providers, and networks
The importance of employee communication and education in plan success, especially when using point solutions or reference-based pricing

The core functions of a TPA—including paying claims, managing eligibility, and building plan logic
What questions employers should ask when selecting a TPA (e.g., claim turnaround time, fee transparency, ownership structure, and scalability)
Red flags to look for in TPA contracts—like hidden fees, clawback charges, or outsourced claim processing
How TPAs interact with other key components like PBMs, stop-loss providers, and networks
The importance of employee communication and education in plan success, especially when using point solutions or reference-based pricing

They also tackle a hot debate: should the consultant or the TPA be the “true quarterback”? The takeaway—collaboration is key. Success lies in choosing the right consultant who partners effectively with the right TPA, ensuring strategic alignment, smart cost-containment, and a great member experience.

Don’t be distracted by lower admin fees—value, transparency, and execution matter more. If you're ready to rethink how benefits should actually work, this episode is your playbook.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>2743falsefull52. Why Bryan Orr Said Goodbye to Traditional Health Insurance—and Wonhttps://www.spreaker.com/episode/52-why-bryan-orr-said-goodbye-to-traditional-health-insurance-and-won--66318317
In this powerful episode, the team sits down with Bryan Orr, CEO of Kalos Services, live from the 2025 Florida Health Care Alliance conference. Bryan shares how he radically redesigned his company’s health plan—cutting costs by 42% below national benchmarks while slashing employee cost share by more than half.

With 10 kids and a 400-person team, Bryan had every reason to care deeply about healthcare outcomes. His story is a masterclass in bold leadership, data-driven decisions, and building trust from the top down. Listeners will hear how Kalos implemented direct primary care, reference-based pricing, pharmacy cost control, and transparent network replacements—all while maintaining employee satisfaction and dramatically improving access to care.

From free baby deliveries to $80,000 skin grafts reduced to $2,000, this episode proves what’s possible when employers stop playing defense and start demanding better.

If you're an employer, HR leader, or benefit advisor tired of double-digit premium increases and vague justifications, this episode is your wake-up call—and a roadmap for action.

Key Topics:

Fiduciary-driven health plan design
Transparent pricing and plan accountability
Direct primary care and local care access
Employee communication and leadership trust
Real-world savings and improved outcomes

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/66318317Thu, 29 May 2025 13:06:52 +0000Hi Hello Labs NetworkThis week's episode dives deep into real-world strategies for transforming health plans—rooted in fiduciary responsibility, transparency, and measurable outcomes. In this powerful episode, the team sits down with Bryan Orr, CEO of Kalos Services,...
In this powerful episode, the team sits down with Bryan Orr, CEO of Kalos Services, live from the 2025 Florida Health Care Alliance conference. Bryan shares how he radically redesigned his company’s health plan—cutting costs by 42% below national benchmarks while slashing employee cost share by more than half.

With 10 kids and a 400-person team, Bryan had every reason to care deeply about healthcare outcomes. His story is a masterclass in bold leadership, data-driven decisions, and building trust from the top down. Listeners will hear how Kalos implemented direct primary care, reference-based pricing, pharmacy cost control, and transparent network replacements—all while maintaining employee satisfaction and dramatically improving access to care.

From free baby deliveries to $80,000 skin grafts reduced to $2,000, this episode proves what’s possible when employers stop playing defense and start demanding better.

If you're an employer, HR leader, or benefit advisor tired of double-digit premium increases and vague justifications, this episode is your wake-up call—and a roadmap for action.

Key Topics:

Fiduciary-driven health plan design
Transparent pricing and plan accountability
Direct primary care and local care access
Employee communication and leadership trust
Real-world savings and improved outcomes

What fiduciary duty actually looks like in practice (and in court)
Why the Consolidated Appropriations Act of 2021 is a game-changer for employer-sponsored plans
How to identify and eliminate conflicts of interest across your benefit ecosystem
What brokers aren’t telling you—and why that matters
Practical steps you can take today to realign incentives and protect your people

What fiduciary duty actually looks like in practice (and in court)
Why the Consolidated Appropriations Act of 2021 is a game-changer for employer-sponsored plans
How to identify and eliminate conflicts of interest across your benefit ecosystem
What brokers aren’t telling you—and why that matters
Practical steps you can take today to realign incentives and protect your people

Stick around for the debut of special guest Bryan Orr, whose real-world results show what’s possible when employers take back control.

If you’re ready to rethink your role, reclaim your data, and radically improve your health plan decisions, this one’s for you.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>2331falsefull50. Cracking the Code on PBMs: Real Cost-Saving Strategies for Employers with Guest Rachel Strausshttps://www.spreaker.com/episode/50-cracking-the-code-on-pbms-real-cost-saving-strategies-for-employers-with-guest-rachel-strauss--65824197
You’ll learn:
- The origin story of PBMs and how it all went sideways
- The real story behind rebates and why “pass-through” doesn’t always mean what you think
- How vertical integration and offshore contracts allow PBMs to hide profits in plain sight
- 40 ways PBMs make money (and how to spot the red flags in your contract)
- Actionable strategies like international sourcing, manufacturer assistance, and 340B pricing that can drastically reduce costs without impacting employee experience

Whether you’re a CFO, HR leader, or CEO, this episode is packed with no-BS insights to help you finally take control of your pharmacy spend. Plus, don’t miss Rachel’s exclusive giveaway: the top 10 questions to ask your broker if you're serious about cutting costs.

Connect with our guest Rachel:
Linkedin: https://www.linkedin.com/in/rachelmstrauss/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/65824197Thu, 01 May 2025 13:12:10 +0000Hi Hello Labs NetworkIf you've ever felt confused or frankly, duped by your pharmacy benefit manager (PBM), this episode is your wake-up call. Chelsea Ryckis sits down with the “PBM Princess” herself, Rachel Strauss, a 20+ year industry veteran and fierce advocate for...
You’ll learn:
- The origin story of PBMs and how it all went sideways
- The real story behind rebates and why “pass-through” doesn’t always mean what you think
- How vertical integration and offshore contracts allow PBMs to hide profits in plain sight
- 40 ways PBMs make money (and how to spot the red flags in your contract)
- Actionable strategies like international sourcing, manufacturer assistance, and 340B pricing that can drastically reduce costs without impacting employee experience

Whether you’re a CFO, HR leader, or CEO, this episode is packed with no-BS insights to help you finally take control of your pharmacy spend. Plus, don’t miss Rachel’s exclusive giveaway: the top 10 questions to ask your broker if you're serious about cutting costs.

Connect with our guest Rachel:
Linkedin: https://www.linkedin.com/in/rachelmstrauss/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>3474falsefull49. HR Special: An HR's Guide to the Strategic C-Suite with Guest Andy Najjarhttps://www.spreaker.com/episode/49-hr-special-an-hr-s-guide-to-the-strategic-c-suite-with-guest-andy-najjar--65612481

From redefining the path from HR manager to CHRO, to exploring innovative perks like Uber credits and unlimited PTO, this episode dives deep into what makes HR strategic, and how modern HR leaders can earn and keep their seat at the executive table. Andy shares real-world stories about saving millions on benefits, leveraging automation and AI for HR efficiency, and the untapped power of creative total rewards programs. Plus, the team tackles pressing topics like HR fatigue, upskilling, M&A people-risk, and the critical role of aligning culture beyond the written handbook.

Tune in to learn how to think like a CHRO, benchmark your current programs, use technology to lighten your load, and create a workplace where people truly thrive. This episode is your no-nonsense guide to elevating HR from compliance taskmaster to strategic business driver so you and your people can win, together.

Connect with Andy: https://www.linkedin.com/in/andynajjar

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/65612481Thu, 17 Apr 2025 15:34:28 +0000Hi Hello Labs NetworkAre you ready to finally break free from the traditional HR rut and discover the game-changing strategies shaping the future of human resources? In this special episode we are joined by Andy Najjar, COO of FutureSolve and host of The Strategic HR...

From redefining the path from HR manager to CHRO, to exploring innovative perks like Uber credits and unlimited PTO, this episode dives deep into what makes HR strategic, and how modern HR leaders can earn and keep their seat at the executive table. Andy shares real-world stories about saving millions on benefits, leveraging automation and AI for HR efficiency, and the untapped power of creative total rewards programs. Plus, the team tackles pressing topics like HR fatigue, upskilling, M&A people-risk, and the critical role of aligning culture beyond the written handbook.

Tune in to learn how to think like a CHRO, benchmark your current programs, use technology to lighten your load, and create a workplace where people truly thrive. This episode is your no-nonsense guide to elevating HR from compliance taskmaster to strategic business driver so you and your people can win, together.

Connect with Andy: https://www.linkedin.com/in/andynajjar

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>1823falsefull48. JP Morgan ERISA Lawsuit: A Case Study - with Jennifer Bermanhttps://www.spreaker.com/episode/48-jp-morgan-erisa-lawsuit-a-case-study-with-jennifer-berman--65331942
The episode navigates the complicated world of fiduciary duty and ERISA compliance, especially within the healthcare industry. We chat about the essentials of proving harm and the indispensable role that documenting decision-making processes plays in shielding your company from legal trouble. Jen dispels myths surrounding fiduciary responsibilities, asserting that ERISA principles are more than just legal requirements—they're best practices for any organization. Don't miss out on these valuable perspectives that could arm you against the mounting challenges in benefits compliance.

Connect with our guest Jennifer:
Linkedin: https://www.linkedin.com/in/jennifer-spiegel-berman-b834b15/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/65331942Thu, 03 Apr 2025 13:00:07 +0000Hi Hello Labs NetworkCould your company be blindsided by an ERISA lawsuit? Join us as we sit down with Jen Berman from MCQ Consulting, who gives us the scoop on a groundbreaking case involving JP Morgan. Unlike previous lawsuits that focused on HR and finance executives,...
The episode navigates the complicated world of fiduciary duty and ERISA compliance, especially within the healthcare industry. We chat about the essentials of proving harm and the indispensable role that documenting decision-making processes plays in shielding your company from legal trouble. Jen dispels myths surrounding fiduciary responsibilities, asserting that ERISA principles are more than just legal requirements—they're best practices for any organization. Don't miss out on these valuable perspectives that could arm you against the mounting challenges in benefits compliance.

Connect with our guest Jennifer:
Linkedin: https://www.linkedin.com/in/jennifer-spiegel-berman-b834b15/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>1513falsefull47. Exposing the Truth About Healthcare Costs: How One Business Took Control with Guest Bryan Orrhttps://www.spreaker.com/episode/47-exposing-the-truth-about-healthcare-costs-how-one-business-took-control-with-guest-bryan-orr--64994590
From slashing insurance premiums by 40% to eliminating unnecessary costs and navigating a broken system, this conversation is packed with real-world strategies and eye-opening insights. If you're an employer looking for practical ways to cut costs without cutting care, this episode is a must-listen.

We also break down the hidden truths behind insurance pricing, pharmacy benefit managers, and hospital billing practices—exposing how businesses are often overcharged without even realizing it. Learn how Kalos Services leveraged transparency, direct primary care, and strategic cost controls to take back control of their healthcare expenses while enhancing coverage for their employees.

Tune in now to learn how to take control of your healthcare plan, empower your employees, and break free from the insurance trap!

Don’t forget to subscribe, leave a review, and share your thoughts!

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>https://api.spreaker.com/episode/64994590Thu, 20 Mar 2025 14:00:57 +0000Hi Hello Labs NetworkAre you tired of skyrocketing healthcare costs and feeling like there’s nothing you can do about it? In this special episode of The Business of Benefits Podcast, we flip the script on traditional benefits planning. CEO of Ethos Benefits, Donovan...
From slashing insurance premiums by 40% to eliminating unnecessary costs and navigating a broken system, this conversation is packed with real-world strategies and eye-opening insights. If you're an employer looking for practical ways to cut costs without cutting care, this episode is a must-listen.

We also break down the hidden truths behind insurance pricing, pharmacy benefit managers, and hospital billing practices—exposing how businesses are often overcharged without even realizing it. Learn how Kalos Services leveraged transparency, direct primary care, and strategic cost controls to take back control of their healthcare expenses while enhancing coverage for their employees.

Tune in now to learn how to take control of your healthcare plan, empower your employees, and break free from the insurance trap!

Don’t forget to subscribe, leave a review, and share your thoughts!

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.]]>2577falsefull46. Dodging Lawsuits: The Must-Have Insurance for Your Benefits Teamhttps://www.spreaker.com/episode/46-dodging-lawsuits-the-must-have-insurance-for-your-benefits-team--64684188
Joining Chelsea is professional liability expert Paul Hacker, who breaks down the essential insurances every fiduciary committee should have, including fiduciary insurance, directors & officers coverage, cyber insurance, errors & omissions, and fidelity bonds. With recent lawsuits personally naming HR executives and financial officers, it’s never been more critical to ensure you and your team are protected.

Tune in as we unpack what these policies cover, how they’re priced, and why even fully insured plans aren’t exempt from fiduciary liability. Don’t leave yourself exposed—get the insights you need to safeguard your role and your company.

Listen now and make sure your fiduciary committee is covered!

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/64684188Thu, 06 Mar 2025 14:17:15 +0000Hi Hello Labs NetworkIn this episode of The Business of Benefits, host Chelsea Ryckis dives into a crucial topic for HR professionals, CFOs, and employers—how to indemnify the risk of your fiduciary committee. If you're involved in employee benefits decisions, you’re...
Joining Chelsea is professional liability expert Paul Hacker, who breaks down the essential insurances every fiduciary committee should have, including fiduciary insurance, directors & officers coverage, cyber insurance, errors & omissions, and fidelity bonds. With recent lawsuits personally naming HR executives and financial officers, it’s never been more critical to ensure you and your team are protected.

Tune in as we unpack what these policies cover, how they’re priced, and why even fully insured plans aren’t exempt from fiduciary liability. Don’t leave yourself exposed—get the insights you need to safeguard your role and your company.

Listen now and make sure your fiduciary committee is covered!

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM: Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI: Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>2137falsefull45. The Key to Fixing Our Broken Healthcare Systemhttps://www.spreaker.com/episode/45-the-key-to-fixing-our-broken-healthcare-system--64441261
Listeners will be captivated by personal anecdotes and insights into the tumultuous journey toward healthcare transparency, challenging the status quo one employer decision at a time. From dissecting the roles of medical management in both fully insured and self-funded plans to unveiling the truth behind automated prior authorizations and claim denials, this episode leaves no stone unturned.

Deb emphasizes the pivotal role employers play in reshaping the healthcare landscape, urging them to see beyond the traditional confines set by large carriers. With her direct and passionate approach, she shares innovative ways to integrate medical management, ensuring quality care while efficiently managing costs. Listeners will walk away not only inspired but also empowered with the knowledge and tools necessary to initiate change within their organization. This episode promises to shift your perspective and potentially save your business significant expenses—all while ensuring the well-being of your most valuable asset: your people.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/64441261Thu, 20 Feb 2025 14:00:08 +0000Hi Hello Labs NetworkThis episode is not just another dialogue; it's an exposé of the often hidden truths within the benefits system. As a registered nurse, Deb sheds light on the intricacies of medical management and its profound impact on healthcare delivery and...
Listeners will be captivated by personal anecdotes and insights into the tumultuous journey toward healthcare transparency, challenging the status quo one employer decision at a time. From dissecting the roles of medical management in both fully insured and self-funded plans to unveiling the truth behind automated prior authorizations and claim denials, this episode leaves no stone unturned.

Deb emphasizes the pivotal role employers play in reshaping the healthcare landscape, urging them to see beyond the traditional confines set by large carriers. With her direct and passionate approach, she shares innovative ways to integrate medical management, ensuring quality care while efficiently managing costs. Listeners will walk away not only inspired but also empowered with the knowledge and tools necessary to initiate change within their organization. This episode promises to shift your perspective and potentially save your business significant expenses—all while ensuring the well-being of your most valuable asset: your people.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>2813falsefull44. Using Data to Create Winshttps://www.spreaker.com/episode/44-using-data-to-create-wins--64206626
Whether you’re a seasoned industry professional or new to the world of benefits, this episode is packed with insights and actionable advice. Tune in and learn how you can take control of your healthcare strategy!

Highlights:
1. Introduction to Self-Funded Healthcare
2. Importance of Fiduciary Responsibility
3. Case Studies and Real-Life Examples
4. Ethos and Culture in Benefits Consulting
5. Navigating Complex Healthcare Changes

Subscribe to our channel for more no-nonsense insights into the business of benefits! If you found this episode valuable, give us a thumbs up and share it with your network. Don't forget to leave your thoughts and questions in the comments below!

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/64206626Thu, 06 Feb 2025 14:00:07 +0000Hi Hello Labs NetworkJoin hosts Chelsea and Donovan Ryckis in this engaging episode as they join Spencer in his podcast to unravel the complexities and opportunities in the self-funded healthcare space. This episode dives into the importance of fiduciary responsibility,...
Whether you’re a seasoned industry professional or new to the world of benefits, this episode is packed with insights and actionable advice. Tune in and learn how you can take control of your healthcare strategy!

Highlights:
1. Introduction to Self-Funded Healthcare
2. Importance of Fiduciary Responsibility
3. Case Studies and Real-Life Examples
4. Ethos and Culture in Benefits Consulting
5. Navigating Complex Healthcare Changes

Subscribe to our channel for more no-nonsense insights into the business of benefits! If you found this episode valuable, give us a thumbs up and share it with your network. Don't forget to leave your thoughts and questions in the comments below!

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>4783falsefull43. How "Walk On Clinic" is Changing Primary Care Accesshttps://www.spreaker.com/episode/43-how-walk-on-clinic-is-changing-primary-care-access--63835460
Chris Yarn isn’t just transforming healthcare from a business perspective; his personal story of battling cancer and his recovery journey adds a profoundly heartfelt layer to this discussion. Diagnosed with a rare form of cancer called Ewing's sarcoma, Chris's experience underscores the critical importance of early detection and preventive care, concepts that are foundational to Walk On Clinic's mission.

Chris’s passion for healthcare and his commitment to making a difference shines throughout this episode. His resilience, coupled with his professional acumen, makes for an inspiring conversation that you’ll find both insightful and motivating.

Highlights:
- Chris’s Health Journey, Battling Ewing's Sarcoma
- The Founding and Evolution of Walk On Clinic
- Primary Care Solutions: On-Site vs. Near-Site Models
- Importance of Actionable Data in Healthcare

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/63835460Thu, 23 Jan 2025 14:00:07 +0000Hi Hello Labs NetworkIn this episode, we are thrilled to host the dynamic Chris Yarn, CEO and founder of Walk On Clinic. Walk On Clinic is pioneering healthcare delivery with its innovative mobile and on-site clinic model, providing employees with easy access to top-notch...
Chris Yarn isn’t just transforming healthcare from a business perspective; his personal story of battling cancer and his recovery journey adds a profoundly heartfelt layer to this discussion. Diagnosed with a rare form of cancer called Ewing's sarcoma, Chris's experience underscores the critical importance of early detection and preventive care, concepts that are foundational to Walk On Clinic's mission.

Chris’s passion for healthcare and his commitment to making a difference shines throughout this episode. His resilience, coupled with his professional acumen, makes for an inspiring conversation that you’ll find both insightful and motivating.

Highlights:
- Chris’s Health Journey, Battling Ewing's Sarcoma
- The Founding and Evolution of Walk On Clinic
- Primary Care Solutions: On-Site vs. Near-Site Models
- Importance of Actionable Data in Healthcare

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>2478falsefull42. The Business of Benefits Podcast - Season 2 Premierehttps://www.spreaker.com/episode/42-the-business-of-benefits-podcast-season-2-premiere--63620118
In this season premiere, we kick things off with a game-changing concept: Healthcare Financing. Donovan explains why shifting your mindset from “insurance” to “financing” is the key to creating a proactive, sustainable benefits business plan. With a fiduciary perspective and a focus on real data, we uncover strategies that don't just save dollars—they save thousands, even millions, on healthcare costs.

Get ready for:

Transparent conversations about healthcare supply chains
Proven case studies with massive impact
Actionable strategies to design long-term benefits plans
A no-nonsense fiduciary approach to benefits

Transparent conversations about healthcare supply chains
Proven case studies with massive impact
Actionable strategies to design long-term benefits plans
A no-nonsense fiduciary approach to benefits

This season is all about real data, real stories, real people, and real impact.

If you're ready to stop playing the reactive game with your benefits and start implementing strategies that work, you won’t want to miss an episode.

Tune in, subscribe, and share with your network. Together, let’s change the business of benefits.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>939false242full41. Breaking the Healthcare Cost Myth: Take Control with Chelsea Ryckishttps://www.spreaker.com/episode/41-breaking-the-healthcare-cost-myth-take-control-with-chelsea-ryckis--63420086
Chelsea, President and Founder of Ethos Benefits, shares how misaligned incentives in the healthcare supply chain—from brokers to hospitals—inflate costs, and what employers can do to reclaim control. Discover practical, actionable strategies for navigating rising premiums, negotiating better contracts, and reducing costs without compromising care.

Chelsea also shares her personal journey from aspiring medical student to healthcare innovator, revealing how her experiences with brain injury and medical debt inspired her mission to help businesses and employees thrive.

Don't miss this eye-opening conversation on how to dismantle the status quo, empower businesses, and create a financially sustainable healthcare plan for your team.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/63420086Fri, 20 Dec 2024 18:33:20 +0000Hi Hello Labs Network180 million Americans rely on their employers for healthcare, but what if there's a hidden truth keeping costs unnecessarily high? In this episode of the Ethos Effect Podcast, host Chelsea Ryckis pulls back the curtain on the healthcare industry's...
Chelsea, President and Founder of Ethos Benefits, shares how misaligned incentives in the healthcare supply chain—from brokers to hospitals—inflate costs, and what employers can do to reclaim control. Discover practical, actionable strategies for navigating rising premiums, negotiating better contracts, and reducing costs without compromising care.

Chelsea also shares her personal journey from aspiring medical student to healthcare innovator, revealing how her experiences with brain injury and medical debt inspired her mission to help businesses and employees thrive.

Don't miss this eye-opening conversation on how to dismantle the status quo, empower businesses, and create a financially sustainable healthcare plan for your team.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>793falsefull40. Empowerment Through Entrepreneurshiphttps://www.spreaker.com/episode/40-empowerment-through-entrepreneurship--63130227
In this episode, we unravel the myths surrounding healthcare costs and challenge the status quo. Discover how Ethos Benefits' revolutionary flat fee model empowers business owners to take control of their healthcare expenses, shifting power away from commission-driven brokers. Our featured documentary, backed by credible voices like ex-hospital CEOs, serves as a clarion call for transparency and action in the healthcare industry.

From personal growth to strategic leadership, and celebrating women's empowerment, this episode is packed with humor, insight, and a powerful message that success is a journey, not a destination. Whether you're an aspiring entrepreneur or a seasoned leader, tune in for an inspiring conversation that challenges conventions and paves the way for lasting impact.

Don't forget to like, comment, and subscribe for more empowering content! Connect with us on LinkedIn and Instagram for updates on upcoming projects, including our eye-opening documentary.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/63130227Thu, 05 Dec 2024 14:00:07 +0000Hi Hello Labs NetworkListen as we explore a transformative journey that begins with the launch of an insurance agency at just 25, in a fiercely competitive industry. Tune into an inspiring narrative of resilience, adaptability, and strategic growth, marked by a...
In this episode, we unravel the myths surrounding healthcare costs and challenge the status quo. Discover how Ethos Benefits' revolutionary flat fee model empowers business owners to take control of their healthcare expenses, shifting power away from commission-driven brokers. Our featured documentary, backed by credible voices like ex-hospital CEOs, serves as a clarion call for transparency and action in the healthcare industry.

From personal growth to strategic leadership, and celebrating women's empowerment, this episode is packed with humor, insight, and a powerful message that success is a journey, not a destination. Whether you're an aspiring entrepreneur or a seasoned leader, tune in for an inspiring conversation that challenges conventions and paves the way for lasting impact.

Don't forget to like, comment, and subscribe for more empowering content! Connect with us on LinkedIn and Instagram for updates on upcoming projects, including our eye-opening documentary.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>3594falsefull39. What Makes a Healthier Workforce?https://www.spreaker.com/episode/39-what-makes-a-healthier-workforce--62955138
We also tackle pressing challenges, like those faced by pregnant members in Florida, and how Ethos Benefits' innovative Care Coach program supports them in navigating complex healthcare landscapes. Korie explains the revolutionary direct primary care (DPC) program offered by Ethos, which emphasizes personalized patient-physician relationships and zero out-of-pocket costs. This innovative model not only enhances healthcare accessibility but also reduces the need for costly urgent care or ER visits.

Celebrate with us as we honor Ethos Benefits' recent recognition with the Benefits Pro Luminary Award, acknowledging their commitment to transforming healthcare access and humanizing employee benefits. Join us for an insightful discussion on how Ethos Benefits is leading the way towards a healthier, more supportive workforce.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/62955138Thu, 21 Nov 2024 14:11:58 +0000Hi Hello Labs NetworkIn this episode, we dive into the world of employee healthcare with Korie, a dedicated account manager at Ethos Benefits. Kories hares her inspiring journey into the insurance industry and passion for making healthcare more accessible and humanized...
We also tackle pressing challenges, like those faced by pregnant members in Florida, and how Ethos Benefits' innovative Care Coach program supports them in navigating complex healthcare landscapes. Korie explains the revolutionary direct primary care (DPC) program offered by Ethos, which emphasizes personalized patient-physician relationships and zero out-of-pocket costs. This innovative model not only enhances healthcare accessibility but also reduces the need for costly urgent care or ER visits.

Celebrate with us as we honor Ethos Benefits' recent recognition with the Benefits Pro Luminary Award, acknowledging their commitment to transforming healthcare access and humanizing employee benefits. Join us for an insightful discussion on how Ethos Benefits is leading the way towards a healthier, more supportive workforce.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1054falsefull38. Navigating the No Surprises Act: Are Hospitals Complying - With Patrick Ansarahttps://www.spreaker.com/episode/38-navigating-the-no-surprises-act-are-hospitals-complying-with-patrick-ansara--62303968
Join us as we dive into the complexities of the American healthcare system, explore innovative approaches to reducing employer healthcare costs, and spotlight incredible case studies that have turned financial burdens into accessible, affordable care for employees. Discover the true stories behind hospital negotiations, proactive healthcare interventions, and the fascinating intricacies of aggregate claims.

By the end of this episode, listeners will walk away with actionable insights, a greater understanding of the healthcare landscape, and practical examples of how to humanize employee benefits while ensuring financial sustainability. Don’t miss this engaging conversation that promises to make healthcare finance both enlightening and relatable.

Press play and transform your perspective on healthcare benefits with Ethos Effect.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/62303968Thu, 07 Nov 2024 14:16:55 +0000Hi Hello Labs NetworkIn this compelling episode of Ethos Effect, host Donovan Ryckis sits down with Patrick Ansara, an Account Executive at Ethos Benefits. Patrick’s journey from studying health policy at the University of Michigan to tackling real-world healthcare...
Join us as we dive into the complexities of the American healthcare system, explore innovative approaches to reducing employer healthcare costs, and spotlight incredible case studies that have turned financial burdens into accessible, affordable care for employees. Discover the true stories behind hospital negotiations, proactive healthcare interventions, and the fascinating intricacies of aggregate claims.

By the end of this episode, listeners will walk away with actionable insights, a greater understanding of the healthcare landscape, and practical examples of how to humanize employee benefits while ensuring financial sustainability. Don’t miss this engaging conversation that promises to make healthcare finance both enlightening and relatable.

Press play and transform your perspective on healthcare benefits with Ethos Effect.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1579falsefull37. A New Approach to Healthcare Benefits - With Meghan Andersonhttps://www.spreaker.com/episode/37-a-new-approach-to-healthcare-benefits-with-meghan-anderson--62303969
We explore the complexities of dealing with insurance carriers, illustrated by a real-life scenario where a mishandled claim delayed essential benefits for an employee. Meghan sheds light on the importance of holding carriers accountable and setting up robust procedures to safeguard client interests. The conversation shifts to how building trust directly with clients can enhance their experience, moving away from the traditional reliance on sales reps. Celebrating Meghan's recognition as a Benefits Pro Luminary, we underscore the importance of empathy and efficiency in addressing everyday employee issues, reaffirming Ethos's commitment to elevating employee benefits.

Connect with our guest Meghan:
Linkwdin: https://www.linkedin.com/in/manderson38

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/62303969Thu, 24 Oct 2024 13:00:02 +0000Hi Hello Labs NetworkMeghan Anderson, an account executive at Ethos Benefits, joins us as we celebrate our Benefits Pro Luminaries Award for humanizing employee benefits. With a unique dual role that bridges the gap between employers and employees, Meghan shares her...
We explore the complexities of dealing with insurance carriers, illustrated by a real-life scenario where a mishandled claim delayed essential benefits for an employee. Meghan sheds light on the importance of holding carriers accountable and setting up robust procedures to safeguard client interests. The conversation shifts to how building trust directly with clients can enhance their experience, moving away from the traditional reliance on sales reps. Celebrating Meghan's recognition as a Benefits Pro Luminary, we underscore the importance of empathy and efficiency in addressing everyday employee issues, reaffirming Ethos's commitment to elevating employee benefits.

Connect with our guest Meghan:
Linkwdin: https://www.linkedin.com/in/manderson38

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>1313falsefull36. The Hidden Costs of Healthcare: What Brokers Aren't Telling You- With Andy Najjarhttps://www.spreaker.com/episode/36-the-hidden-costs-of-healthcare-what-brokers-aren-t-telling-you-with-andy-najjar--62303970
Najjar pulls back the curtain on how large agencies often push for higher bonuses at the expense of clients, the crucial need for compensation disclosures, and why many brokers inadvertently contribute to rising healthcare costs. They delve into the "renewal game," the significant differences between brokers and advisors, and the immense financial burden high healthcare costs place on employees.

Listeners will gain valuable insights into why incentivization structures are flawed, how transparent health programs can stabilize and even reduce costs, and the critical importance of fiduciary responsibility and documentation in decision-making. By the end of the episode, you'll be better equipped to scrutinize your broker's fees, understand the myths surrounding healthcare costs, and explore more cost-effective and proactive strategies for your business. Plus, don’t miss the exclusive preview of Najjar’s upcoming healthcare documentary and its potential to drive transparency and change in the industry. Get ready to transform how you approach healthcare benefits with this essential episode.

Connect with our guest Andy:
Linkedin: https://www.linkedin.com/in/andynajjar

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/62303970Thu, 10 Oct 2024 13:00:03 +0000Hi Hello Labs NetworkHealthcare costs keep soaring while the service remains the same. In this eye-opening episode Chelsea is joined by Andy Najjar to dissect the complex web of incentives, transparency, and innovative strategies within the employer-sponsored healthcare...
Najjar pulls back the curtain on how large agencies often push for higher bonuses at the expense of clients, the crucial need for compensation disclosures, and why many brokers inadvertently contribute to rising healthcare costs. They delve into the "renewal game," the significant differences between brokers and advisors, and the immense financial burden high healthcare costs place on employees.

Listeners will gain valuable insights into why incentivization structures are flawed, how transparent health programs can stabilize and even reduce costs, and the critical importance of fiduciary responsibility and documentation in decision-making. By the end of the episode, you'll be better equipped to scrutinize your broker's fees, understand the myths surrounding healthcare costs, and explore more cost-effective and proactive strategies for your business. Plus, don’t miss the exclusive preview of Najjar’s upcoming healthcare documentary and its potential to drive transparency and change in the industry. Get ready to transform how you approach healthcare benefits with this essential episode.

Connect with our guest Andy:
Linkedin: https://www.linkedin.com/in/andynajjar

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1837falsefull35. What You Have To Do To Stay Ahead of the Curve - With Justin Thomashttps://www.spreaker.com/episode/35-what-you-have-to-do-to-stay-ahead-of-the-curve-with-justin-thomas--61332738
In this episode, Chelsea Ryckis is interviewed by Justin Thomas to delve into the foundational sacrifices and strategic decisions that led to the growth of Ethos Benefits. Listeners will hear about Donovan's pivotal choice to prioritize education and reinvestment over immediate profits, and Chelsea’s personal challenges and triumphs in defining and operationalizing core company values. The episode also highlights the innovative communication strategies implemented to improve employee engagement and benefits utilization, and the strategic pivot of divesting small accounts to focus on impactful solutions for larger enterprises.

Gain valuable insights into entrepreneurship, learn the importance of continuous personal development and coaching, and discover transformative strategies to reduce healthcare costs while boosting employee satisfaction. This episode promises actionable advice, inspiration from real-world examples, and a compelling story of perseverance and strategic growth.

Connect with our guest Justin:
Website: https://bullbenefits.com/podcast

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/61332738Thu, 26 Sep 2024 13:00:02 +0000Hi Hello Labs NetworkWaking up at 3 AM to drive hundreds of miles, sacrificing personal comforts, and confronting business challenges head-on—all to build a successful seven-figure enterprise isn’t a task everyone is up for. In this episode, Chelsea Ryckis is...
In this episode, Chelsea Ryckis is interviewed by Justin Thomas to delve into the foundational sacrifices and strategic decisions that led to the growth of Ethos Benefits. Listeners will hear about Donovan's pivotal choice to prioritize education and reinvestment over immediate profits, and Chelsea’s personal challenges and triumphs in defining and operationalizing core company values. The episode also highlights the innovative communication strategies implemented to improve employee engagement and benefits utilization, and the strategic pivot of divesting small accounts to focus on impactful solutions for larger enterprises.

Gain valuable insights into entrepreneurship, learn the importance of continuous personal development and coaching, and discover transformative strategies to reduce healthcare costs while boosting employee satisfaction. This episode promises actionable advice, inspiration from real-world examples, and a compelling story of perseverance and strategic growth.

Connect with our guest Justin:
Website: https://bullbenefits.com/podcast

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>1778falsefull34. What You Have To GIVE UP to WIN: Chelsea Ryckis and Taylor Young on Be Extraordinaryhttps://www.spreaker.com/episode/34-what-you-have-to-give-up-to-win-chelsea-ryckis-and-taylor-young-on-be-extraordinary--61264734
Join Chelsea Ryckis and Taylor Young as they unpack their extraordinary paths through life's severest challenges—overcoming brain injuries, navigating divorce, and conquering financial turmoil. With raw emotion and unfiltered honesty, Taylor shares how a friend's snide remark became the initial spark of his entrepreneurial fire, driving him to prove the doubters wrong. Chelsea recounts her transformation from a celebrated athlete to a top-tier business leader and industry award-winner, revealing the inevitable hurdles and victories that shaped her journey. Together, they explore the critical shifts in mindset needed to thrive, the importance of adaptability and systematic growth in business, and the often-overlooked value of personal development and self-care.

Listeners will gain invaluable insights on resilience, the power of harnessing inner ethos, and the importance of balancing ambition with well-being. Chelsea and Taylor's stories will inspire you to face your own challenges head-on, adopt new strategies for personal and professional growth, and leverage your unique strengths to create sustainable success. Whether you're an aspiring entrepreneur, a seasoned business owner, or someone navigating life's ups and downs, this episode offers a wealth of wisdom on turning adversity into advantage and achieving lasting fulfillment.

Connect with Be Extraordinary:
Website: https://beextraordinarypodcast.com/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/61264734Thu, 12 Sep 2024 13:00:02 +0000Hi Hello Labs NetworkImagine being told you'd never succeed, failing repeatedly, and struggling through immense personal hardship—only to emerge stronger, more resilient, and wildly successful. In this riveting episode, we dive deep into the astonishing journeys of two...
Join Chelsea Ryckis and Taylor Young as they unpack their extraordinary paths through life's severest challenges—overcoming brain injuries, navigating divorce, and conquering financial turmoil. With raw emotion and unfiltered honesty, Taylor shares how a friend's snide remark became the initial spark of his entrepreneurial fire, driving him to prove the doubters wrong. Chelsea recounts her transformation from a celebrated athlete to a top-tier business leader and industry award-winner, revealing the inevitable hurdles and victories that shaped her journey. Together, they explore the critical shifts in mindset needed to thrive, the importance of adaptability and systematic growth in business, and the often-overlooked value of personal development and self-care.

Listeners will gain invaluable insights on resilience, the power of harnessing inner ethos, and the importance of balancing ambition with well-being. Chelsea and Taylor's stories will inspire you to face your own challenges head-on, adopt new strategies for personal and professional growth, and leverage your unique strengths to create sustainable success. Whether you're an aspiring entrepreneur, a seasoned business owner, or someone navigating life's ups and downs, this episode offers a wealth of wisdom on turning adversity into advantage and achieving lasting fulfillment.

Connect with Be Extraordinary:
Website: https://beextraordinarypodcast.com/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>3438falsefull33. Do These Things to Maximize Your Business’ Efficiency: With Heidi DeCouxhttps://www.spreaker.com/episode/33-do-these-things-to-maximize-your-business-efficiency-with-heidi-decoux--61195260
This episode dives deep into Heidi's journey from early entrepreneurship to her latest venture, the challenges and triumphs she's encountered, and her unique approach to operational efficiency and continuous learning. Along the way, Heidi shares actionable insights on managing financial stress, setting up efficient systems, and embracing imperfections in both business and life.

Listeners will walk away with practical strategies to elevate their own ventures, optimize their financial management, and tackle challenges with newfound confidence. Tune in for an enriching conversation packed with tips, resources, and inspiration to help you thrive in the entrepreneurial world.

Connect with our guest Heidi:
Instagram: https://www.instagram.com/heididecoux/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/61195260Thu, 29 Aug 2024 13:00:03 +0000Hi Hello Labs NetworkWhat if you could transform your business operations with just one hour a month? We are joined by serial entrepreneur Heidi DeCoux, who not only built and sold multiple businesses, including a seven-figure deal, but is also revolutionizing small...
This episode dives deep into Heidi's journey from early entrepreneurship to her latest venture, the challenges and triumphs she's encountered, and her unique approach to operational efficiency and continuous learning. Along the way, Heidi shares actionable insights on managing financial stress, setting up efficient systems, and embracing imperfections in both business and life.

Listeners will walk away with practical strategies to elevate their own ventures, optimize their financial management, and tackle challenges with newfound confidence. Tune in for an enriching conversation packed with tips, resources, and inspiration to help you thrive in the entrepreneurial world.

Connect with our guest Heidi:
Instagram: https://www.instagram.com/heididecoux/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>2186falsefull32. The Entrepreneur Who Lit Up the Cigar Industry with Brian Desindhttps://www.spreaker.com/episode/32-the-entrepreneur-who-lit-up-the-cigar-industry-with-brian-desind--61106079
We explore how he’s built meaningful relationships with manufacturers, pioneered the concept of "farm rolled" cigars, and driven rapid business growth through storytelling and education. Brian also opens up about his ethos, shaped by a chaotic childhood, and how it fuels his relentless pursuit of excellence in products and experiences.

We dive into broader themes like business strategy, the importance of differentiation, and the challenges of disrupting significant industries, including healthcare. Tune in for an episode brimming with insights, inspiration, and a fresh perspective on achieving success in business and beyond. Whether you're a cigar aficionado or simply interested in entrepreneurial stories, this episode offers something for everyone.

Brian Desind, a notable figure in the cigar industry, is renowned for his transition from a musician to a successful entrepreneur. He co-founded Privada Cigar Club in 2017 alongside Ofelia Desind. Based in Orlando, Florida, Privada Cigar Club began as a monthly subscription service offering rare and limited-edition cigars. It quickly gained popularity, becoming legendary with over 18,000 monthly subscribers. The club is unique in its focus on educating cigar smokers about these exclusive cigars and the stories behind them.

In addition to Privada Cigar Club, Desind initiated the Limited Cigars Association (LCA) in July 2020. This venture aims to rejuvenate brick-and-mortar premium cigar shops across the United States. The LCA operates by distributing limited quantities of popular products to various shops and then promoted across Privada Cigar Club's social media channels. This approach has been highly successful, with the featured cigars often selling out rapidly.

Desind's journey from creating catchy music to revolutionizing the cigar industry exemplifies his innovative approach to business. He has effectively applied storytelling and branding techniques learned from the music industry to market and promote cigars. This unique blend of skills and experiences has enabled Desind to make a significant impact in the cigar world.

Connect with our guest Brian:
Instagram: https://www.instagram.com/privadacigarclub/
Website: https://privadacigarclub.com/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/61106079Thu, 22 Aug 2024 13:58:12 +0000Hi Hello Labs NetworkIn this special episode, hosts Donovan and Chelsea Ryckis sit down with Brian Desind, the visionary entrepreneur behind Privada Cigar Club. Brian shares his remarkable journey from being a sneakerhead in LA to transforming the cigar industry with his...
We explore how he’s built meaningful relationships with manufacturers, pioneered the concept of "farm rolled" cigars, and driven rapid business growth through storytelling and education. Brian also opens up about his ethos, shaped by a chaotic childhood, and how it fuels his relentless pursuit of excellence in products and experiences.

We dive into broader themes like business strategy, the importance of differentiation, and the challenges of disrupting significant industries, including healthcare. Tune in for an episode brimming with insights, inspiration, and a fresh perspective on achieving success in business and beyond. Whether you're a cigar aficionado or simply interested in entrepreneurial stories, this episode offers something for everyone.

Brian Desind, a notable figure in the cigar industry, is renowned for his transition from a musician to a successful entrepreneur. He co-founded Privada Cigar Club in 2017 alongside Ofelia Desind. Based in Orlando, Florida, Privada Cigar Club began as a monthly subscription service offering rare and limited-edition cigars. It quickly gained popularity, becoming legendary with over 18,000 monthly subscribers. The club is unique in its focus on educating cigar smokers about these exclusive cigars and the stories behind them.

In addition to Privada Cigar Club, Desind initiated the Limited Cigars Association (LCA) in July 2020. This venture aims to rejuvenate brick-and-mortar premium cigar shops across the United States. The LCA operates by distributing limited quantities of popular products to various shops and then promoted across Privada Cigar Club's social media channels. This approach has been highly successful, with the featured cigars often selling out rapidly.

Desind's journey from creating catchy music to revolutionizing the cigar industry exemplifies his innovative approach to business. He has effectively applied storytelling and branding techniques learned from the music industry to market and promote cigars. This unique blend of skills and experiences has enabled Desind to make a significant impact in the cigar world.

Connect with our guest Brian:
Instagram: https://www.instagram.com/privadacigarclub/
Website: https://privadacigarclub.com/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>4602falsefull31. Ideas that Can Change the World: With Osmoses Founder Katherine Mizrahihttps://www.spreaker.com/episode/31-ideas-that-can-change-the-world-with-osmoses-founder-katherine-mizrahi--60929469
With a strong materials science and engineering background from MIT, Katherine co-founded Osmoses—a cutting-edge startup focused on developing large-scale membranes for precise gas separations. She shares the journey of Osmoses, including the pilot system that’s as portable as a truckload, yet powerful enough to process high volumes of gas through stackable membrane modules. The episode delves into the collaborative efforts with Canada’s emission reduction initiatives and the comparative ease of working with energy-committed nations.

Listeners will gain insights into the process of creating new rigid polymeric materials for gas separation, the financial and environmental incentives associated with renewable natural gas, and the significant governmental support backing breakthrough technologies. Through Katherine’s narrative, discover the ethos of continuous growth, impact, and adaptation that drives Osmosis, promising innovations in clean technology, energy efficiency, and cost-effective solutions for reducing industrial emissions.

Connect with our guest Katherine:
Instagram: https://www.instagram.com/kattttmiz/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/60929469Thu, 15 Aug 2024 13:00:10 +0000Hi Hello Labs NetworkDive into the intricate world of hydrogen technology and industrial decarbonization featuring the brilliant mind of Katherine Mizrahi. In this compelling episode, Katherine unfolds the potential of hydrogen as a game-changer in industrial...
With a strong materials science and engineering background from MIT, Katherine co-founded Osmoses—a cutting-edge startup focused on developing large-scale membranes for precise gas separations. She shares the journey of Osmoses, including the pilot system that’s as portable as a truckload, yet powerful enough to process high volumes of gas through stackable membrane modules. The episode delves into the collaborative efforts with Canada’s emission reduction initiatives and the comparative ease of working with energy-committed nations.

Listeners will gain insights into the process of creating new rigid polymeric materials for gas separation, the financial and environmental incentives associated with renewable natural gas, and the significant governmental support backing breakthrough technologies. Through Katherine’s narrative, discover the ethos of continuous growth, impact, and adaptation that drives Osmosis, promising innovations in clean technology, energy efficiency, and cost-effective solutions for reducing industrial emissions.

Connect with our guest Katherine:
Instagram: https://www.instagram.com/kattttmiz/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>2065falsefull30. Is Your Business Speaking the Right Marketing Language? With Award-Winning Journalist, Sonni Abattahttps://www.spreaker.com/episode/30-is-your-business-speaking-the-right-marketing-language-with-award-winning-journalist-sonni-abatta--60929468
From navigating the ever-changing world of social media to crafting compelling messages for live events, Sonni shares her extensive experience and insights on how businesses can attract attention and customers in an authentic and engaging way. The conversation also delves into the personal challenges and growth opportunities that come with putting yourself out there as a business leader or expert.

Throughout the episode, Sonni emphasizes the importance of brand discovery, understanding your audience, and communicating your ethos effectively across various media platforms. Donovan and Chelsea also share their own experiences and challenges in promoting their healthcare documentary and consulting work.

Listeners will come away with practical advice on how to streamline their media operations, craft concise and impactful messages, and push through the discomfort of personal branding to build confidence and competence in their field. Whether you're a seasoned business owner or just starting out, this episode offers valuable insights and inspiration for navigating the complex world of media and marketing.

Connect with our guest Sonni:
Instagram: https://www.instagram.com/sonniabatta/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/60929468Thu, 08 Aug 2024 13:00:04 +0000Hi Hello Labs NetworkTired of the same old business advice that fails to address the real challenges you face? In this episode of Ethos Effect, award-winning journalist and former TV news anchor Sonni Abatta joins hosts Donovan and Chelsea Ryckis to discuss the importance...
From navigating the ever-changing world of social media to crafting compelling messages for live events, Sonni shares her extensive experience and insights on how businesses can attract attention and customers in an authentic and engaging way. The conversation also delves into the personal challenges and growth opportunities that come with putting yourself out there as a business leader or expert.

Throughout the episode, Sonni emphasizes the importance of brand discovery, understanding your audience, and communicating your ethos effectively across various media platforms. Donovan and Chelsea also share their own experiences and challenges in promoting their healthcare documentary and consulting work.

Listeners will come away with practical advice on how to streamline their media operations, craft concise and impactful messages, and push through the discomfort of personal branding to build confidence and competence in their field. Whether you're a seasoned business owner or just starting out, this episode offers valuable insights and inspiration for navigating the complex world of media and marketing.

Connect with our guest Sonni:
Instagram: https://www.instagram.com/sonniabatta/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>2667falsefull29. The Promise and Potential of Psychedelic Medicine with Sherry Rais, Founder of Entheahttps://www.spreaker.com/episode/29-the-promise-and-potential-of-psychedelic-medicine-with-sherry-rais-founder-of-enthea--60880796
Sherry Rais shares her incredible journey of discovering the benefits of psychedelic-assisted therapy, backed by clinical studies showing a remarkable 65% to 80% success rate in treating mental health conditions. She delves into the science behind ketamine, a safe and widely-used anesthetic that works on NMDA receptors in the brain, increasing neuroplasticity and leading to potential healing effects.

Throughout the episode, the discussion touches on the accessibility and cost-effectiveness of ketamine therapy, the shortcomings of traditional antidepressant treatments, and the staggering impact of untreated mental health on employers and the workforce. Sherry Rais also shares her vision for Enthea, which aims to address the root causes of mental health issues and expand coverage for ketamine therapy to millions of lives in the coming years.

Listeners will gain valuable insights into the potential of psychedelic-assisted therapy, not only for treating diagnosable conditions but also for personal optimization and spiritual connection. They will learn about the rigorous standards of care and credentialing employed by Enthea's network of providers, as well as the company's mission to create a world with net-zero trauma.

Discover how an intentional approach to psychedelic-assisted therapy could pave the way for mainstream acceptance and FDA approval of these groundbreaking treatments.

Connect with our guest Sherry:
Linkedin: https://www.enthea.com/https://www.linkedin.com/in/sherryrais/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/60880796Thu, 01 Aug 2024 13:00:05 +0000Hi Hello Labs NetworkAre you ready to discover a groundbreaking approach to mental health treatment that could revolutionize the way we address depression, anxiety, and PTSD? In this captivating episode of Ethos Effect, hosts Chelsea and Donovan Ryckis sit down with...
Sherry Rais shares her incredible journey of discovering the benefits of psychedelic-assisted therapy, backed by clinical studies showing a remarkable 65% to 80% success rate in treating mental health conditions. She delves into the science behind ketamine, a safe and widely-used anesthetic that works on NMDA receptors in the brain, increasing neuroplasticity and leading to potential healing effects.

Throughout the episode, the discussion touches on the accessibility and cost-effectiveness of ketamine therapy, the shortcomings of traditional antidepressant treatments, and the staggering impact of untreated mental health on employers and the workforce. Sherry Rais also shares her vision for Enthea, which aims to address the root causes of mental health issues and expand coverage for ketamine therapy to millions of lives in the coming years.

Listeners will gain valuable insights into the potential of psychedelic-assisted therapy, not only for treating diagnosable conditions but also for personal optimization and spiritual connection. They will learn about the rigorous standards of care and credentialing employed by Enthea's network of providers, as well as the company's mission to create a world with net-zero trauma.

Discover how an intentional approach to psychedelic-assisted therapy could pave the way for mainstream acceptance and FDA approval of these groundbreaking treatments.

Connect with our guest Sherry:
Linkedin: https://www.enthea.com/https://www.linkedin.com/in/sherryrais/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1941falsefull28. 100 is the New 30: Health Optimization and Longevity with Dr. Jeffrey Gladdenhttps://www.spreaker.com/episode/28-100-is-the-new-30-health-optimization-and-longevity-with-dr-jeffrey-gladden--60788194
He shares his fascinating journey from cardiology to his current passion for health optimization, sparked by his own health struggles in his fifties. We delve into the groundbreaking practices and technologies he employs to help individuals achieve a youthful body and a wise mind, no matter their chronological age. Dr. Gladden speaks on the significance of living young for a lifetime, the power of redefining our approach to aging, and his visionary goal of creating 100-year-olds with 300-year-old minds and 30-year-old bodies.

Whether you're intrigued by the latest advancements in medical technology, looking to live a vibrant, joyful life, or just curious about Dr. Gladden's inspiring work and story, this episode is packed with insights and valuable information you won't want to miss!

Connect with our guest Dr. Gladden:
Instagram: https://www.instagram.com/gladdenlongevity/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/60788194Thu, 25 Jul 2024 13:00:04 +0000Hi Hello Labs NetworkDr. Jeffrey Gladden is the CEO and chief medical officer of Gladden Longevity in Dallas, Texas, as well as a renowned expert in optimizing health and longevity, and the author of the book "100 is the New 30." He shares his fascinating journey from...
He shares his fascinating journey from cardiology to his current passion for health optimization, sparked by his own health struggles in his fifties. We delve into the groundbreaking practices and technologies he employs to help individuals achieve a youthful body and a wise mind, no matter their chronological age. Dr. Gladden speaks on the significance of living young for a lifetime, the power of redefining our approach to aging, and his visionary goal of creating 100-year-olds with 300-year-old minds and 30-year-old bodies.

Whether you're intrigued by the latest advancements in medical technology, looking to live a vibrant, joyful life, or just curious about Dr. Gladden's inspiring work and story, this episode is packed with insights and valuable information you won't want to miss!

Connect with our guest Dr. Gladden:
Instagram: https://www.instagram.com/gladdenlongevity/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>2374falsefull27. How Mental Strength Shapes Success: With Former Superbowl Champ, Fred Stokeshttps://www.spreaker.com/episode/27-how-mental-strength-shapes-success-with-former-superbowl-champ-fred-stokes--60725561
Fred delves deep into the concept of "lint brothers," emphasizing the crucial need for men—especially first responders, police officers, and military personnel—to share their personal struggles openly. Stokes highlights the alarming suicide rates among men and proposes a unique, soulful solution: long-term, supportive friendships that can alleviate stress and foster emotional well-being.

Discover how Fred Stokes' remarkable journey—from nearly quitting football to becoming a Super Bowl champion, and his transition to CEO of Fred Stokes Food—demonstrates the power of mindset and faith. This episode also uncovers his personal battles with mental health, revealing raw and inspiring stories of overcoming self-doubt and societal pressures. Listeners will gain invaluable insights into the importance of emotional vulnerability, the role of supportive male relationships, and practical strategies to improve mental health and resilience. Plus, hear about Fred's passion for food and the story behind his successful foray into the culinary world.

Connect with our guest Fred:
Instagram: https://www.instagram.com/bigplaystokes

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/60725561Thu, 18 Jul 2024 13:00:03 +0000Hi Hello Labs NetworkThis week on Ethos Effect, Chelsea and Donovan Ryckis sit down with former Super Bowl champion and successful entrepreneur Fred Stokes. In this enlightening episode, Fred opens up about his personal journey from the football field to founding the...
Fred delves deep into the concept of "lint brothers," emphasizing the crucial need for men—especially first responders, police officers, and military personnel—to share their personal struggles openly. Stokes highlights the alarming suicide rates among men and proposes a unique, soulful solution: long-term, supportive friendships that can alleviate stress and foster emotional well-being.

Discover how Fred Stokes' remarkable journey—from nearly quitting football to becoming a Super Bowl champion, and his transition to CEO of Fred Stokes Food—demonstrates the power of mindset and faith. This episode also uncovers his personal battles with mental health, revealing raw and inspiring stories of overcoming self-doubt and societal pressures. Listeners will gain invaluable insights into the importance of emotional vulnerability, the role of supportive male relationships, and practical strategies to improve mental health and resilience. Plus, hear about Fred's passion for food and the story behind his successful foray into the culinary world.

Connect with our guest Fred:
Instagram: https://www.instagram.com/bigplaystokes

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>2747falsefull26. Making Intentions Match Your Actions with Iren Raineyhttps://www.spreaker.com/episode/26-making-intentions-match-your-actions-with-iren-rainey--60660267
In this episode:
- Discover Iren’s inspiring story and the pivotal moments that guided him towards a career in human development.
- Learn about the unique ways Iren connects with his players on a psychological level before even stepping on the court.
- Explore the importance of mindset, daily habits, and aligning actions with desired outcomes, especially for high performers in sports and business.
- Delve into the concept of identity and overcoming life’s adversities to reach your full potential.

Connect with our guest Iren:
Instagram: https://www.instagram.com/irenrainey

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/60660267Thu, 11 Jul 2024 13:00:02 +0000Hi Hello Labs NetworkIren Rainey, the mastermind behind the Iren Rainey School of Basketball, is often called the "Human Potential Engineer." He shares his journey from professional basketball to becoming a mentor and coach for both aspiring and current NBA athletes....
In this episode:
- Discover Iren’s inspiring story and the pivotal moments that guided him towards a career in human development.
- Learn about the unique ways Iren connects with his players on a psychological level before even stepping on the court.
- Explore the importance of mindset, daily habits, and aligning actions with desired outcomes, especially for high performers in sports and business.
- Delve into the concept of identity and overcoming life’s adversities to reach your full potential.

Connect with our guest Iren:
Instagram: https://www.instagram.com/irenrainey

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>1572falsefull25. From HR to Strategy: Are You Making Data-Driven Decisions? With Kristy Swegheimerhttps://www.spreaker.com/episode/25-from-hr-to-strategy-are-you-making-data-driven-decisions-with-kristy-swegheimer--60518155
They explore the necessity for a long-term, data-driven approach to cost management, and the transition from traditional HR roles to strategic partnership within organizations. Discover the nuances of the female leadership landscape, battling unconscious bias, and the critical importance of effective communication when presenting employee benefits.

Kristy reveals her experiences in mergers, acquisitions, and the integration of HR in the due diligence process, stressing the risks and rewards of early HR involvement. Learn the secrets to retaining key talent through compelling benefits and flexible programs, all while maintaining a company's identity and culture during rapid growth.

By the end of this episode, you'll walk away with a new perspective on how to align your human capital with your company's vision and mission. Gain actionable strategies for building a resilient, profit-aligned HR team that can lead your organization through growth and change. Perfect for HR professionals, business leaders, and anyone invested in organizational success.

Connect with our guest Kristy:
Linkedin: https://www.linkedin.com/in/kristy-swegheimer

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/60518155Thu, 27 Jun 2024 13:00:04 +0000Hi Hello Labs NetworkPrepare to rethink the way you approach HR and business strategy! We are joined by Kristy Swegheimer, the dynamic founder and CEO of Redbrick Insights. Kristy brings her wealth of expertise in human capital strategy and business growth, sharing...
They explore the necessity for a long-term, data-driven approach to cost management, and the transition from traditional HR roles to strategic partnership within organizations. Discover the nuances of the female leadership landscape, battling unconscious bias, and the critical importance of effective communication when presenting employee benefits.

Kristy reveals her experiences in mergers, acquisitions, and the integration of HR in the due diligence process, stressing the risks and rewards of early HR involvement. Learn the secrets to retaining key talent through compelling benefits and flexible programs, all while maintaining a company's identity and culture during rapid growth.

By the end of this episode, you'll walk away with a new perspective on how to align your human capital with your company's vision and mission. Gain actionable strategies for building a resilient, profit-aligned HR team that can lead your organization through growth and change. Perfect for HR professionals, business leaders, and anyone invested in organizational success.

Connect with our guest Kristy:
Linkedin: https://www.linkedin.com/in/kristy-swegheimer

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>2242falsefull24. You Either Win or Learn: Redefining Failure in Businesshttps://www.spreaker.com/episode/24-you-either-win-or-learn-redefining-failure-in-business--60439588
Tomo shares compelling insights about his transformative career path and the lessons he learned along the way. Key topics include the challenges and responsibilities of being an employer across multiple locations, the significance of hiring talent based on values, and the importance of seeing failures as learning opportunities. Tomo also opens up about the frustrating hurdles in the medical industry, shares his views on wearable technology, and discusses his mission to improve people’s lives through holistic wellness and hormone optimization. Listeners will hear candid discussions about the misconceptions of wealth, the downsides of traditional medical practices, and the uphill battle of introducing innovative solutions to a rigid industry.

By tuning in, you’ll gain practical and inspirational insights into overcoming personal and professional struggles, learn about the importance of emotional intelligence in business, and explore actionable strategies for living a more optimal and informed life.

Connect with our guest Tomo:
Instagram: https://www.instagram.com/tomo_marjanovic/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/60439588Thu, 20 Jun 2024 13:00:04 +0000Hi Hello Labs NetworkImagine leaving behind a career in law enforcement to begin entrepreneurial ventures, national expansion, and a mission to revolutionize the health and wellness industry—that’s the story of our special guest, Tomo Marjanovic. Tomo shares compelling...
Tomo shares compelling insights about his transformative career path and the lessons he learned along the way. Key topics include the challenges and responsibilities of being an employer across multiple locations, the significance of hiring talent based on values, and the importance of seeing failures as learning opportunities. Tomo also opens up about the frustrating hurdles in the medical industry, shares his views on wearable technology, and discusses his mission to improve people’s lives through holistic wellness and hormone optimization. Listeners will hear candid discussions about the misconceptions of wealth, the downsides of traditional medical practices, and the uphill battle of introducing innovative solutions to a rigid industry.

By tuning in, you’ll gain practical and inspirational insights into overcoming personal and professional struggles, learn about the importance of emotional intelligence in business, and explore actionable strategies for living a more optimal and informed life.

Connect with our guest Tomo:
Instagram: https://www.instagram.com/tomo_marjanovic/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>3337truefull23. Is Your Product Really Ready for Retail with Sherrel Sampsonhttps://www.spreaker.com/episode/23-is-your-product-really-ready-for-retail-with-sherrel-sampson--60368778
This episode dives into:
-Sherrel and Chelsea's unexpected connection through Stetson softball
-Insights into transitioning from a corporate career to entrepreneurship
-The secrets behind taking a product from farmers' markets to over 6000 retail stores nationwide
-The challenges of balancing personal hardships with professional growth
- Sherrel's groundbreaking work in healthcare, providing non-medicated solutions for scalp health

Listeners will walk away with actionable insights into product development, scaling a business, and the emotional resilience required to overcome significant obstacles. Tune in for a mix of entrepreneurial wisdom, personal anecdotes, and the inspirational drive that took Canviiy from a locally-loved brand to a healthcare innovator.

Subscribe, listen, and get inspired to transform your ideas into reality!

Connect with our guest Sherrel:
Instagram: https://www.instagram.com/sherrel_bahama/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/60368778Thu, 13 Jun 2024 13:00:03 +0000Hi Hello Labs NetworkIn this episode of Ethos Effect, hosts Chelsea and Donovan Ryckis sit down with Sherrel Sampson, founder of Canviiy. Discover the incredible story of how Sherrel founded a business that has taken the retail world by storm. This episode dives into:...
This episode dives into:
-Sherrel and Chelsea's unexpected connection through Stetson softball
-Insights into transitioning from a corporate career to entrepreneurship
-The secrets behind taking a product from farmers' markets to over 6000 retail stores nationwide
-The challenges of balancing personal hardships with professional growth
- Sherrel's groundbreaking work in healthcare, providing non-medicated solutions for scalp health

Listeners will walk away with actionable insights into product development, scaling a business, and the emotional resilience required to overcome significant obstacles. Tune in for a mix of entrepreneurial wisdom, personal anecdotes, and the inspirational drive that took Canviiy from a locally-loved brand to a healthcare innovator.

Subscribe, listen, and get inspired to transform your ideas into reality!

Connect with our guest Sherrel:
Instagram: https://www.instagram.com/sherrel_bahama/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>1636falsefull22. A Financial Inclusion Solution for Hispanic Communities: Piero Nuñez del Riscohttps://www.spreaker.com/episode/22-a-financial-inclusion-solution-for-hispanic-communities-piero-nunez-del-risco--60138720
Listen to Piero Nuñez del Risco, a visionary entrepreneur who turned personal and professional challenges into groundbreaking opportunities. Join us as he delves into the raw, unfiltered journey of launching his first startup, navigating the stormy seas of financial and emotional hardships, and ultimately emerging stronger after its closure. Discover the invaluable lessons he learned from this experience and how it paved the way for his current venture, Hola Pana—a challenger bank dedicated to serving the US Hispanic market.

Listeners will not only gain insights into the cultural nuances of Hispanic finance and the inherent trust within the community but will also explore Piero's inspiring vision for a future where content, marketplace, and financial services converge through artificial intelligence. Prepare to be inspired by Piero’s humility, optimism, and deep commitment to financial inclusion. By tuning in, you'll learn about the importance of embracing failures, the value of persistence, and the limitless potential of innovative thinking.

Connect with our guest Piero:
Instagram: https://www.instagram.com/pelro09/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/60138720Thu, 06 Jun 2024 13:00:03 +0000Hi Hello Labs NetworkTransform the way you think about failure and innovation. Listen to Piero Nuñez del Risco, a visionary entrepreneur who turned personal and professional challenges into groundbreaking opportunities. Join us as he delves into the raw, unfiltered...
Listen to Piero Nuñez del Risco, a visionary entrepreneur who turned personal and professional challenges into groundbreaking opportunities. Join us as he delves into the raw, unfiltered journey of launching his first startup, navigating the stormy seas of financial and emotional hardships, and ultimately emerging stronger after its closure. Discover the invaluable lessons he learned from this experience and how it paved the way for his current venture, Hola Pana—a challenger bank dedicated to serving the US Hispanic market.

Listeners will not only gain insights into the cultural nuances of Hispanic finance and the inherent trust within the community but will also explore Piero's inspiring vision for a future where content, marketplace, and financial services converge through artificial intelligence. Prepare to be inspired by Piero’s humility, optimism, and deep commitment to financial inclusion. By tuning in, you'll learn about the importance of embracing failures, the value of persistence, and the limitless potential of innovative thinking.

Connect with our guest Piero:
Instagram: https://www.instagram.com/pelro09/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>2372ezfalsefull21. Here’s Why It Pays to Hire Righthttps://www.spreaker.com/episode/21-here-s-why-it-pays-to-hire-right--60138719
Listeners will gain actionable insights into aligning candidates’ values with company goals, leveraging powerful tools like Omnia and Test Gorilla, and ensuring a seamless onboarding experience. Tune in to learn proven strategies that can significantly reduce turnover costs and build a team reflective of your company's core values.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/60138719Thu, 30 May 2024 13:00:03 +0000Hi Hello Labs NetworkStruggling with high turnover rates and hiring woes? Dive into this week’s solo episode with host Chelsea Ryckis, where she unveils her meticulously crafted five-step hiring process designed to bring the ideal candidates to your team. Discover how a...
Listeners will gain actionable insights into aligning candidates’ values with company goals, leveraging powerful tools like Omnia and Test Gorilla, and ensuring a seamless onboarding experience. Tune in to learn proven strategies that can significantly reduce turnover costs and build a team reflective of your company's core values.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>2173falsefull20. Use Debt as a Tool: A Lesson in Business Growth and Acquisitionhttps://www.spreaker.com/episode/20-use-debt-as-a-tool-a-lesson-in-business-growth-and-acquisition--60138718
Connect with our guest Andrew:
Linkedin: https://www.linkedin.com/in/andrewfilar/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/60138718Thu, 23 May 2024 13:00:03 +0000Hi Hello Labs NetworkHave you ever wondered what it takes to build a multi-million dollar business from scratch? Tune into this episode, where Andrew Filar shares his incredible journey from State Farm to founding his own successful agency, Peachy Insurance. Join hosts...
Connect with our guest Andrew:
Linkedin: https://www.linkedin.com/in/andrewfilar/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>2351falsefull19. What’s Stopping You From Achieving Seven-Figure Successhttps://www.spreaker.com/episode/19-what-s-stopping-you-from-achieving-seven-figure-success--60054599
Listeners will be guided through the critical aspects of scaling a business—differentiating between growth and scale, understanding the pivotal role of technology and processes, and the art of smart hiring that aligns with company culture. Discover the power of AI in streamlining operations and learn from the host's candid experiences, including a cautionary CRM tale and the year-long odyssey of SOP documentation that redefined work ethic from managing people to managing processes.

Moreover, the episode doesn't shy away from the human element, exploring how hiring and culture are the beating heart of a company. Through skill assessments and value alignment, entrepreneurs can create a purpose-driven environment that minimizes turnover. The narrative concludes with professional development tips and financial strategies that empower businesses to avoid risks and ensure wise growth.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/60054599Thu, 16 May 2024 13:00:04 +0000Hi Hello Labs NetworkFrom the gripping tale of near-legal peril over a CRM decision to the transformative journey of implementing Standard Operating Procedures (SOPs), this episode is a gold mine for any business owner on the brink of growth. Listeners will be guided...
Listeners will be guided through the critical aspects of scaling a business—differentiating between growth and scale, understanding the pivotal role of technology and processes, and the art of smart hiring that aligns with company culture. Discover the power of AI in streamlining operations and learn from the host's candid experiences, including a cautionary CRM tale and the year-long odyssey of SOP documentation that redefined work ethic from managing people to managing processes.

Moreover, the episode doesn't shy away from the human element, exploring how hiring and culture are the beating heart of a company. Through skill assessments and value alignment, entrepreneurs can create a purpose-driven environment that minimizes turnover. The narrative concludes with professional development tips and financial strategies that empower businesses to avoid risks and ensure wise growth.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>2926falsefull18. Doing Business Differently Today for a Better Tomorrow with Non-profit CEO, Bryan Williamshttps://www.spreaker.com/episode/18-doing-business-differently-today-for-a-better-tomorrow-with-non-profit-ceo-bryan-williams--59937862
Listeners will also get a sneak peek into the daily operations of a nonprofit that has mastered balancing mission-driven fervor with pragmatic business tactics. From discussions on CEO accountability to the strategic decision-making in nonprofit growth, and the pivot of business operations during the COVID-19 pandemic, this episode is packed with insights on sustaining a nonprofit in competitive environments.

Tune in to explore how the ethos of a mission-driven organization like Dogs for Better Lives intertwines seamlessly with business acumen to create a thriving entity that not only survives but also robustly expands its impact.

Connect with our guest Bryan:
Website: https://dogsforbetterlives.org/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/59937862Thu, 09 May 2024 13:00:04 +0000Hi Hello Labs NetworkBryan Williams, CEO of Dogs for Better Lives, sheds light on the fascinating intersection of nonprofit management and entrepreneurial spirit. Discussions orbit around how a nonprofit can thrive by adopting business strategies that emphasize...
Listeners will also get a sneak peek into the daily operations of a nonprofit that has mastered balancing mission-driven fervor with pragmatic business tactics. From discussions on CEO accountability to the strategic decision-making in nonprofit growth, and the pivot of business operations during the COVID-19 pandemic, this episode is packed with insights on sustaining a nonprofit in competitive environments.

Tune in to explore how the ethos of a mission-driven organization like Dogs for Better Lives intertwines seamlessly with business acumen to create a thriving entity that not only survives but also robustly expands its impact.

Connect with our guest Bryan:
Website: https://dogsforbetterlives.org/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>2598falsefull17. Is the Healthcare System Failing You? (ft. David Balat)https://www.spreaker.com/episode/17-is-the-healthcare-system-failing-you-ft-david-balat--59765178
This episode welcomes David Balat, a tireless advocate for healthcare reform and a visionary leader aiming to untangle the complexities of the American healthcare system. Delve deep into discussions about the impacts of healthcare legislation, the slow enforcement of laws, and the pivotal distinction between health insurance and healthcare. David reveals his insights on tackling the challenges hospitals face with profit margins, the vital role of employers in healthcare decisions, and the legislative hurdles in enhancing price transparency and addressing pharmacy benefit manager (PBM) issues. Moreover, the episode explores how grassroots efforts and campaign finance reform could revolutionize healthcare.

Listeners will gain an enriched understanding of the current struggles within the U.S. healthcare system and the potential paths forward through real reform. David Balat shares actionable advice for patients advocating for themselves, shedding light on the significance of primary care relationships and informed decision-making in navigating the healthcare landscape. Through David's perspective, discover how individual actions can drive collective change and how each of us can contribute to a future where the system works for, not against, the patient's best interest.

Connect with our guest David:
Linkedin: https://www.linkedin.com/in/davidbalat

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/59765178Thu, 02 May 2024 13:00:04 +0000Hi Hello Labs NetworkHow much better would it be if healthcare decisions were made with the patient at the heart of every discussion? Are your interests the main goal, or is there something more in between you and healthcare? This episode welcomes David Balat, a...
This episode welcomes David Balat, a tireless advocate for healthcare reform and a visionary leader aiming to untangle the complexities of the American healthcare system. Delve deep into discussions about the impacts of healthcare legislation, the slow enforcement of laws, and the pivotal distinction between health insurance and healthcare. David reveals his insights on tackling the challenges hospitals face with profit margins, the vital role of employers in healthcare decisions, and the legislative hurdles in enhancing price transparency and addressing pharmacy benefit manager (PBM) issues. Moreover, the episode explores how grassroots efforts and campaign finance reform could revolutionize healthcare.

Listeners will gain an enriched understanding of the current struggles within the U.S. healthcare system and the potential paths forward through real reform. David Balat shares actionable advice for patients advocating for themselves, shedding light on the significance of primary care relationships and informed decision-making in navigating the healthcare landscape. Through David's perspective, discover how individual actions can drive collective change and how each of us can contribute to a future where the system works for, not against, the patient's best interest.

Connect with our guest David:
Linkedin: https://www.linkedin.com/in/davidbalat

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>2643falsefull16. Steps to the Perfect Balance Between Entrepreneurship and Marriage John and Kate Dumashttps://www.spreaker.com/episode/16-steps-to-the-perfect-balance-between-entrepreneurship-and-marriage-john-and-kate-dumas--59643616
Discover the strategic decisions that propelled their six-figure earnings, their candid approach to income transparency, and the pivotal role of mindset in overcoming business challenges. The Dumases share invaluable insights on making and keeping money, maintaining a robust relationship despite business pressures, and why focusing on a lifestyle, not just profits, is crucial.

This episode is a guide to harmonizing life’s various pursuits without losing sight of what matters. Come away inspired by John and Kate's philosophy of intentional living, equipped with practical tips on financial transparency and strategic decision-making, and energized to implement a mindset of abundance in both personal and professional realms. Don’t miss this blend of personal wisdom and professional guidance that could shape your path to success and happiness!

Connect with our guests John and Kate:
Website: https://www.eofire.com/
Instagram: https://www.instagram.com/johnleedumas/
Instagram: https://www.instagram.com/katelerickson_/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/59643616Thu, 25 Apr 2024 13:00:04 +0000Hi Hello Labs NetworkMake it work both at home and in the boardroom. Understand the dynamics of entrepreneurial and marital success with our special guests, John Lee Dumas and Kate Dumas from the "Entrepreneurs on Fire" podcast. Discover the strategic decisions that...
Discover the strategic decisions that propelled their six-figure earnings, their candid approach to income transparency, and the pivotal role of mindset in overcoming business challenges. The Dumases share invaluable insights on making and keeping money, maintaining a robust relationship despite business pressures, and why focusing on a lifestyle, not just profits, is crucial.

This episode is a guide to harmonizing life’s various pursuits without losing sight of what matters. Come away inspired by John and Kate's philosophy of intentional living, equipped with practical tips on financial transparency and strategic decision-making, and energized to implement a mindset of abundance in both personal and professional realms. Don’t miss this blend of personal wisdom and professional guidance that could shape your path to success and happiness!

Connect with our guests John and Kate:
Website: https://www.eofire.com/
Instagram: https://www.instagram.com/johnleedumas/
Instagram: https://www.instagram.com/katelerickson_/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>2544falsefull15. The Backbone of Business with Bernadette Girvinhttps://www.spreaker.com/episode/15-the-backbone-of-business-with-bernadette-girvin--59523145
We peel back the layers of what it truly takes to provide a sense of radical ownership and dream empowerment. Listeners will find themselves inspired by Bernadette's views on the importance of mission-driven hiring, the refusal to settle for less when it comes to company culture, and her transformative transition into visionary leadership that has paved the way for her business's incredible growth.

By the end of the episode, you will have insights into creating a balanced life that values well-being, the importance of understanding where your food comes from, and the empowerment that comes from taking control of your work and personal environment.

Connect with our guest Bernadette:
https://www.instagram.com/the.band.tee.ceo/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/59523145Thu, 18 Apr 2024 13:00:03 +0000Hi Hello Labs NetworkThis week, we are joined by Bernadette Girvin, a maverick entrepreneur whose life displays the boundless pursuit of freedom both in life and business. Learn how this has shaped her approach to educating children, eating healthily, and founding her...
We peel back the layers of what it truly takes to provide a sense of radical ownership and dream empowerment. Listeners will find themselves inspired by Bernadette's views on the importance of mission-driven hiring, the refusal to settle for less when it comes to company culture, and her transformative transition into visionary leadership that has paved the way for her business's incredible growth.

By the end of the episode, you will have insights into creating a balanced life that values well-being, the importance of understanding where your food comes from, and the empowerment that comes from taking control of your work and personal environment.

Connect with our guest Bernadette:
https://www.instagram.com/the.band.tee.ceo/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>2564falsefull14. Embracing Your Passion: From Feeling Stuck to Scaling Success with Bryan Orrhttps://www.spreaker.com/episode/14-embracing-your-passion-from-feeling-stuck-to-scaling-success-with-bryan-orr--59268530
Listeners are invited to delve into the conversation about values-based hiring, operational scaling, and embracing feedback all while juggling family life. Expect an immersive discussion filled with Orr's insightful philosophies on empowering employees, the underestimated opportunities in trades, and his quest to support those keen on doing good work.

Connect with our guest Bryan:
Instagram: https://www.instagram.com/hvacschool/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/59268530Thu, 11 Apr 2024 13:00:03 +0000Hi Hello Labs NetworkIn this episode of Ethos Effect, our hosts Chelsea and Donovan Ryckis sit down with the multi-faceted Bryan Orr who unpacks the intricacies of running a business, finding joy in the darkest of times, and the powerful impact of teaching roles in an...
Listeners are invited to delve into the conversation about values-based hiring, operational scaling, and embracing feedback all while juggling family life. Expect an immersive discussion filled with Orr's insightful philosophies on empowering employees, the underestimated opportunities in trades, and his quest to support those keen on doing good work.

Connect with our guest Bryan:
Instagram: https://www.instagram.com/hvacschool/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>3717falsefull13. Clean Food, Clean Conscience: Robyn O'Brien Unveiling the Truth in Behind Our Foodhttps://www.spreaker.com/episode/13-clean-food-clean-conscience-robyn-o-brien-unveiling-the-truth-in-behind-our-food--59266273
Listeners will get sharp insights, resonating with anyone concerned about the nutrients on their table. Robyn also highlights the vital role individual actions play in fostering systemic change in the food industry. Her collaborative approach signals a call to action for consumers, companies, and investors alike, advocating for alignment of values with investment choices and igniting a critical dialogue on the intrinsic connection between food security and national well-being. Listeners are left equipped not only with informed perspectives but also inspired to bravely re-examine their daily choices and their ripple effects on personal and global health landscapes.

Connect with out guest Robyn:
Instagram: https://www.instagram.com/robynobrienusa/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/59266273Thu, 04 Apr 2024 13:00:02 +0000Hi Hello Labs NetworkLearn the truth behind our food systems, health care, and lifestyle trends with Robyn O'Brien, an award-winning author, keynote speaker, and founder of Sirona Ventures. She presses on the continuous challenges of the food industry, from GMOs to...
Listeners will get sharp insights, resonating with anyone concerned about the nutrients on their table. Robyn also highlights the vital role individual actions play in fostering systemic change in the food industry. Her collaborative approach signals a call to action for consumers, companies, and investors alike, advocating for alignment of values with investment choices and igniting a critical dialogue on the intrinsic connection between food security and national well-being. Listeners are left equipped not only with informed perspectives but also inspired to bravely re-examine their daily choices and their ripple effects on personal and global health landscapes.

Connect with out guest Robyn:
Instagram: https://www.instagram.com/robynobrienusa/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1913falsefull12. Taking Off with Gameway: Emma & Jordan Walbridge Revolutionizing Airport Leisurehttps://www.spreaker.com/episode/12-taking-off-with-gameway-emma-jordan-walbridge-revolutionizing-airport-leisure--58576170
Expect candid stories, hearty laughs over cultural quips, and a sincere depiction of the entrepreneurial spirit that thrives in the face of adversity. It's an episode rife with insights for anyone curious about what it takes to transform an industry or simply looking for inspiration to navigate the entrepreneurial roller coaster. Tune in to feel the Ethos Effect!

Connect with our guests Emma & Jordan:
Instagram: https://www.instagram.com/jordanwalbridge/
Instagram: https://www.instagram.com/emma.walbridge/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/58576170Thu, 21 Mar 2024 13:00:02 +0000Hi Hello Labs NetworkTune into this episode with the visionary power couple, Emma and Jordan Walbridge. Join us as they recount the tumultuous journey of their groundbreaking venture, Gameway, from its genesis in the summer of 2018 amidst financial hurdles, through a...
Expect candid stories, hearty laughs over cultural quips, and a sincere depiction of the entrepreneurial spirit that thrives in the face of adversity. It's an episode rife with insights for anyone curious about what it takes to transform an industry or simply looking for inspiration to navigate the entrepreneurial roller coaster. Tune in to feel the Ethos Effect!

Connect with our guests Emma & Jordan:
Instagram: https://www.instagram.com/jordanwalbridge/
Instagram: https://www.instagram.com/emma.walbridge/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>3428falsefull11. Leading with Values: Business Advisor, Jesse Stakes on Building Culture and Connectionshttps://www.spreaker.com/episode/11-leading-with-values-business-advisor-jesse-stakes-on-building-culture-and-connections--58576169
As a beacon of hope for entrepreneurs lacking financial resources, Jesse discusses his commitment to connecting them with vital resources, embodying his belief in the potency of a simple 'yes' to unlock a world of possibilities. Beyond his podcast, listeners are given a rearview mirror glance into the unconventional path that brought Jesse from sales into the heart of banking, his passion-driven principles in business advising, and his past experiences as a collegiate athlete that infused his work ethic with the essence of teamwork.

Connect with out guest Jesse:
Linkedin: https://www.linkedin.com/in/jessestakes

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/58576169Thu, 14 Mar 2024 13:00:02 +0000Hi Hello Labs NetworkTune in as Chelsea and Donovan host engaging storyteller and business savant Jesse Stakes to explore the confluence of leadership, entrepreneurship, and personal growth. This episode dives into the heart of what makes businesses thrive beyond mere...
As a beacon of hope for entrepreneurs lacking financial resources, Jesse discusses his commitment to connecting them with vital resources, embodying his belief in the potency of a simple 'yes' to unlock a world of possibilities. Beyond his podcast, listeners are given a rearview mirror glance into the unconventional path that brought Jesse from sales into the heart of banking, his passion-driven principles in business advising, and his past experiences as a collegiate athlete that infused his work ethic with the essence of teamwork.

Connect with out guest Jesse:
Linkedin: https://www.linkedin.com/in/jessestakes

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>1787falsefull10. Sharing a Vision in Work and Lovehttps://www.spreaker.com/episode/10-sharing-a-vision-in-work-and-love--58509235
Discover the magnetic synergy between two contrasting personalities, and how they've leveraged their strengths to forge a robust partnership in both business and life. As co-owners of Ethos Benefits, they delve into the challenges and triumphs of navigating a shared vision, while maintaining distinct roles that prevent toe-stepping and promote a culture of continuous improvement.

Listeners will be treated to a treasure trove of insights on the essential components of a successful partnership—understanding the significance of defined roles, acknowledging each other's strengths and weaknesses, and the criticality of aligning values and direction. Be charmed by their quirks, from Donovan's secret barista skills to Chelsea's competitive edge, and how these traits have enriched their business dynamic.

Tune in to learn how this entrepreneurial love story led to the creation of a thriving enterprise. You'll leave not only inspired by the power of partnership but also armed with practical tips on how to cultivate a winning business relationship that can withstand the tests of both the boardroom and the heart.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/58509235Thu, 07 Mar 2024 14:00:01 +0000Hi Hello Labs NetworkWhere business acumen meets romantic chemistry, join us on an enthralling episode of the Ethos Effect podcast where we unveil the captivating journey of Chelsea and Donovan. From the first sparks in the boardroom to a harmonious blend of love and...
Discover the magnetic synergy between two contrasting personalities, and how they've leveraged their strengths to forge a robust partnership in both business and life. As co-owners of Ethos Benefits, they delve into the challenges and triumphs of navigating a shared vision, while maintaining distinct roles that prevent toe-stepping and promote a culture of continuous improvement.

Listeners will be treated to a treasure trove of insights on the essential components of a successful partnership—understanding the significance of defined roles, acknowledging each other's strengths and weaknesses, and the criticality of aligning values and direction. Be charmed by their quirks, from Donovan's secret barista skills to Chelsea's competitive edge, and how these traits have enriched their business dynamic.

Tune in to learn how this entrepreneurial love story led to the creation of a thriving enterprise. You'll leave not only inspired by the power of partnership but also armed with practical tips on how to cultivate a winning business relationship that can withstand the tests of both the boardroom and the heart.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1094falsefull9. The People Priority: Bringing Change to HR with Karla Munizhttps://www.spreaker.com/episode/9-the-people-priority-bringing-change-to-hr-with-karla-muniz--58576202
Karla makes a compelling case for inclusive programs and discusses the key to designing HR roles that can report to leaders who value the human aspect of business decisions. The conversation further explores the integration of work and personal life as a growing trend, especially among Gen Z workers, and the need for flexibility in the demanding healthcare industry.

Listeners are in for a treat as they gain insights into the impact of building a robust company culture, the ROI of investing in employee retention, and the use of data to drive HR decisions. Karla also shares her personal HR journey, acknowledging the importance of balancing various leadership approaches. Whether you are in sales, leadership, growth, or HR, this episode is packed with tangible examples that will empower you to invest in leaders, develop others within your organization, and create a culture where everyone feels seen and heard.

Connect with our guest Karla:
Linkedin: https://www.linkedin.com/in/karlagarrido/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/58576202Thu, 29 Feb 2024 14:00:02 +0000Hi Hello Labs NetworkIn this not-to-be-missed episode of Ethos Effect, we delve into the evolving landscape of workplace well-being with our special guest, Karla Muniz, Chief People Officer of IMA Medical Group. Discover the strategic importance of HR initiatives that...
Karla makes a compelling case for inclusive programs and discusses the key to designing HR roles that can report to leaders who value the human aspect of business decisions. The conversation further explores the integration of work and personal life as a growing trend, especially among Gen Z workers, and the need for flexibility in the demanding healthcare industry.

Listeners are in for a treat as they gain insights into the impact of building a robust company culture, the ROI of investing in employee retention, and the use of data to drive HR decisions. Karla also shares her personal HR journey, acknowledging the importance of balancing various leadership approaches. Whether you are in sales, leadership, growth, or HR, this episode is packed with tangible examples that will empower you to invest in leaders, develop others within your organization, and create a culture where everyone feels seen and heard.

Connect with our guest Karla:
Linkedin: https://www.linkedin.com/in/karlagarrido/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>2491falsefull8. Turning Hardships into Opportunities: with Katie Richardsonhttps://www.spreaker.com/episode/8-turning-hardships-into-opportunities-with-katie-richardson--58767200
You'll learn how Katie, amidst financial struggle and the tumult of the recession, turned her product-based business from a dream on a shoestring to a multi-million-dollar international enterprise, all while fiercely holding on to her values of family and personal development.

Listeners will get an unfiltered look at the common pitfalls that entrepreneurs face, like the trap of control and the impact of disempowering a team through projection. Katie's story illustrates not just the gritty realities of entrepreneurship but also the journey of recognizing and embracing unique perspectives to achieve remarkable outcomes. Between stories of manufacturing hurdles, intellectual property battles, and heartfelt revelations, Katie also shares her daily rituals for staying true to oneself and navigating the complex dynamics of life and business.

By the end of this episode, you will be armed with a new understanding of your potential, the art of harnessing opposition into power, and the crucial balance between freedom and control in your ventures. So, tune in, take notes, and prepare to be influenced by Katie's unstoppable energy and wise guidance on using your distinctive voice to carve a successful path in the world of business.

Connect with out guest Katie:
Linkedin: https://www.linkedin.com/in/katie-richardson-creator/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>https://api.spreaker.com/episode/58767200Thu, 22 Feb 2024 14:00:02 +0000Hi Hello Labs NetworkIf you're an entrepreneur or business leader seeking to turn life's stumbling blocks into stepping stones, then you're in for a transformative experience featuring Katie Richardson. Dive into this compelling conversation where vulnerability,...
You'll learn how Katie, amidst financial struggle and the tumult of the recession, turned her product-based business from a dream on a shoestring to a multi-million-dollar international enterprise, all while fiercely holding on to her values of family and personal development.

Listeners will get an unfiltered look at the common pitfalls that entrepreneurs face, like the trap of control and the impact of disempowering a team through projection. Katie's story illustrates not just the gritty realities of entrepreneurship but also the journey of recognizing and embracing unique perspectives to achieve remarkable outcomes. Between stories of manufacturing hurdles, intellectual property battles, and heartfelt revelations, Katie also shares her daily rituals for staying true to oneself and navigating the complex dynamics of life and business.

By the end of this episode, you will be armed with a new understanding of your potential, the art of harnessing opposition into power, and the crucial balance between freedom and control in your ventures. So, tune in, take notes, and prepare to be influenced by Katie's unstoppable energy and wise guidance on using your distinctive voice to carve a successful path in the world of business.

Connect with out guest Katie:
Linkedin: https://www.linkedin.com/in/katie-richardson-creator/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/]]>2696falsefull7. Accounting for Success with Accounting Maverick Rachel Siegelhttps://www.spreaker.com/episode/7-accounting-for-success-with-accounting-maverick-rachel-siegel--58690272
Rachel opens up about the joys of collaborating with clients who are not only zealous about their business's future but also open to expert guidance. We also shine a light on the transformative power of personal development through public speaking and writing, as Rachel teases her forthcoming book "Profit First for Optometrists," a treasure trove of wisdom applicable to various service industries. Discover how a touch of creativity led to the birth of Go Figure Accounting, a name that signifies a refreshing departure from the norm and embodies the ethos of Rachel's client-centric approach.

Connect with our guest Rachel:
Linkedin: https://www.linkedin.com/in/rachel-siegel-2b2996

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/58690272Thu, 15 Feb 2024 14:00:02 +0000Hi Hello Labs NetworkLearn the tips and tricks for financial growth and avoid the pitfalls that trip up many businesses with our latest Ethos Effect podcast episode featuring Rachel Siegel of Go Figure Accounting. Step into a world where accounting goes beyond crunching...
Rachel opens up about the joys of collaborating with clients who are not only zealous about their business's future but also open to expert guidance. We also shine a light on the transformative power of personal development through public speaking and writing, as Rachel teases her forthcoming book "Profit First for Optometrists," a treasure trove of wisdom applicable to various service industries. Discover how a touch of creativity led to the birth of Go Figure Accounting, a name that signifies a refreshing departure from the norm and embodies the ethos of Rachel's client-centric approach.

Connect with our guest Rachel:
Linkedin: https://www.linkedin.com/in/rachel-siegel-2b2996

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1337falsefull6. From $10 Bonus to Business Boss: The Making of Chelsea Ryckis' Ethoshttps://www.spreaker.com/episode/6-from-10-bonus-to-business-boss-the-making-of-chelsea-ryckis-ethos--58578831
Learn about the competitive spirit that propelled her from Team Canada softball aspirations to the captain of her college team and beyond. From the adversities of a career-altering brain injury and a divorce to the challenges faced in starting their own business, Chelsea and Donovan share their inspiring personal stories and the values that shape their business ethos. Dive into their mission to transform and disrupt the industry with a culture that champions transparency, empowerment, and making a difference.

Don’t miss this intimate look into the lives of two entrepreneurs who complement each other's strengths and have a passion for lifting others in business. Subscribe for more insightful episodes from Ethos Effect, where education and entrepreneurship intersect.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

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Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/58578831Thu, 08 Feb 2024 14:00:02 +0000Hi Hello Labs NetworkDiscover the trials and triumphs of Chelsea and Donovan Ryckis, co-founders of Ethos Benefits, on this empowering, as Chelsea reveals her incredible journey from a nonprofit fundraiser to a successful insurance agency owner and entrepreneur. Learn...
Learn about the competitive spirit that propelled her from Team Canada softball aspirations to the captain of her college team and beyond. From the adversities of a career-altering brain injury and a divorce to the challenges faced in starting their own business, Chelsea and Donovan share their inspiring personal stories and the values that shape their business ethos. Dive into their mission to transform and disrupt the industry with a culture that champions transparency, empowerment, and making a difference.

Don’t miss this intimate look into the lives of two entrepreneurs who complement each other's strengths and have a passion for lifting others in business. Subscribe for more insightful episodes from Ethos Effect, where education and entrepreneurship intersect.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

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Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1988falsefull5. Innovative Entrepreneurship: Guest Appearance on Entrepreneurs on Fire with John Lee Dumashttps://www.spreaker.com/episode/5-innovative-entrepreneurship-guest-appearance-on-entrepreneurs-on-fire-with-john-lee-dumas--58506897
Step into the vibrant sphere of innovative entrepreneurship with the power couple as they navigate the complexities of broker compensation and the intricacies of healthcare cost management. Their groundbreaking approach to business, punctuated by a steadfast ethos, has not only challenged traditional practices but has also set a new benchmark for transparency and client-centered service. The Ethos Effect podcast stands as a testament to their commitment, spotlighting trailblazers who've used their principles to carve out success in their fields. As Donovan and Chelsea chart the unpredictable yet rewarding path of entrepreneurship, they share the importance of strategic client management and resilience, offering invaluable advice for those looking to make their mark among the titans of industry.

Connect with our guest JLD:
Instagram: https://www.instagram.com/johnleedumas

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/58506897Thu, 01 Feb 2024 14:00:02 +0000Hi Hello Labs NetworkUnlock the secrets behind the Ryckis duo's revolutionary journey in the insurance industry, where transparency isn't just a buzzword—it's a game changer. Dive into the story of Donovan and Chelsea, the entrepreneurial juggernauts who've redefined...
Step into the vibrant sphere of innovative entrepreneurship with the power couple as they navigate the complexities of broker compensation and the intricacies of healthcare cost management. Their groundbreaking approach to business, punctuated by a steadfast ethos, has not only challenged traditional practices but has also set a new benchmark for transparency and client-centered service. The Ethos Effect podcast stands as a testament to their commitment, spotlighting trailblazers who've used their principles to carve out success in their fields. As Donovan and Chelsea chart the unpredictable yet rewarding path of entrepreneurship, they share the importance of strategic client management and resilience, offering invaluable advice for those looking to make their mark among the titans of industry.

Connect with our guest JLD:
Instagram: https://www.instagram.com/johnleedumas

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1383falsefull4. The Future of Education: AI and Systemic Change with Kristan Rodriguezhttps://www.spreaker.com/episode/4-the-future-of-education-ai-and-systemic-change-with-kristan-rodriguez--58438345
Listen as we delve into how Dr. Rodriguez is reshaping education through universal learning design, the application of artificial intelligence, and a strong belief in systemic change.

Kristan's insightful strategies for engaging with students and clients to build excitement and share ideas, her approach to dealing with resistance to change, and finding nontraditional ways to enhance access to education. As a disruptor in education, Dr. Rodriguez shares her experience adapting to the evolving educational landscape, including her response to the pandemic's challenges.

Learn about her collaboration with public and private schools, the sales cycle's complexities, and her organizational growth tips. Don't miss out on this enlightening conversation with Dr. Kristan Rodriguez

Connect with our guest Kristan:
LinkedIn: https://www.linkedin.com/in/drrodriguez21

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/58438345Thu, 25 Jan 2024 14:00:02 +0000Hi Hello Labs NetworkThis week on Ethos Effect, we sit down with Dr. Kristan Rodriguez, the innovative founder and CEO of Commonwealth Consulting Agency. Listen as we delve into how Dr. Rodriguez is reshaping education through universal learning design, the application...
Listen as we delve into how Dr. Rodriguez is reshaping education through universal learning design, the application of artificial intelligence, and a strong belief in systemic change.

Kristan's insightful strategies for engaging with students and clients to build excitement and share ideas, her approach to dealing with resistance to change, and finding nontraditional ways to enhance access to education. As a disruptor in education, Dr. Rodriguez shares her experience adapting to the evolving educational landscape, including her response to the pandemic's challenges.

Learn about her collaboration with public and private schools, the sales cycle's complexities, and her organizational growth tips. Don't miss out on this enlightening conversation with Dr. Kristan Rodriguez

Connect with our guest Kristan:
LinkedIn: https://www.linkedin.com/in/drrodriguez21

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1921falsefull3. The Unconventional Road to CEOhttps://www.spreaker.com/episode/3-the-unconventional-road-to-ceo--58322582
Discover how Donovan's early rejection of team sports and group activities set the stage for a life of independent pursuits and business ventures. Listen as he recounts the roller coaster ride of opening a Gold's Gym franchise on the eve of the Great Recession and the valuable lessons in branding and business resilience that followed.

Donovan's unexpected pivot into the financial services sector reveals his passion for innovation, leading him to establish a unique investment advisory firm. He shares insights on adapting to market changes and the personal motivations that drive his success.

In the conversation Donovan and Chelsea discuss the transformation of Ethos Benefits, emphasizing transparency and ethical practices. They discuss commission-free asset management and employee benefits, the importance of fiduciary roles, transparent compensation models, and future healthcare-related lawsuits. The episode offers insights for entrepreneurs and encourages listening to the Ethos Effect podcast for more innovation and impact stories.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/58322582Thu, 18 Jan 2024 14:00:01 +0000Hi Hello Labs NetworkThis week on Ethos Effect, Donovan shares his unorthodox path as a trailblazing entrepreneur and ethical business leader. Tune in as he delves deep into his formative years and the defining experiences that shaped his entrepreneurial spirit. Discover...
Discover how Donovan's early rejection of team sports and group activities set the stage for a life of independent pursuits and business ventures. Listen as he recounts the roller coaster ride of opening a Gold's Gym franchise on the eve of the Great Recession and the valuable lessons in branding and business resilience that followed.

Donovan's unexpected pivot into the financial services sector reveals his passion for innovation, leading him to establish a unique investment advisory firm. He shares insights on adapting to market changes and the personal motivations that drive his success.

In the conversation Donovan and Chelsea discuss the transformation of Ethos Benefits, emphasizing transparency and ethical practices. They discuss commission-free asset management and employee benefits, the importance of fiduciary roles, transparent compensation models, and future healthcare-related lawsuits. The episode offers insights for entrepreneurs and encourages listening to the Ethos Effect podcast for more innovation and impact stories.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1997falsefull2. The Serial Entrepreneur's Mindset: Conquering Industry After Industry with Michael Gortonhttps://www.spreaker.com/episode/2-the-serial-entrepreneur-s-mindset-conquering-industry-after-industry-with-michael-gorton--58194659
Dive deep into the competitive camaraderie that fuels business development and the power of collaboration over confrontation. Michael shares his challenging battles with medical boards to create a legal framework for telemedicine, and the innovative soft approaches that changed the healthcare industry. Learn about the influential role of data analytics, AI, and predictive healthcare in shaping the future and how Michael leverages his experience to continuously create groundbreaking solutions.

Plus, get a glimpse into his creative side as we discuss his science fiction writing adventures! Don't miss the insights from this episode as we uncover Occam's razor principle in simplifying complex systems, the Digital Medical Home concept, and pushing the boundaries of preventive healthcare.

Tune in to learn how to navigate the entrepreneurial journey from idea to implementation with resilience and innovative spirit! For full episode details and more, follow the Ethos Effect podcast. Don't forget to subscribe for updates on our latest episodes and inspiring stories from the business world.

Connect with our guest Michael:
LinkedIn: https://www.linkedin.com/in/michael-s-gorton/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/58194659Thu, 11 Jan 2024 14:00:02 +0000Hi Hello Labs NetworkWelcome to Ethos Effect, where we explore the passion behind successful businesses and the journey of pioneering entrepreneurs. This episode features the incredible Michael Gorton, a 15-time entrepreneur and the visionary founder of Teladoc. Dive...
Dive deep into the competitive camaraderie that fuels business development and the power of collaboration over confrontation. Michael shares his challenging battles with medical boards to create a legal framework for telemedicine, and the innovative soft approaches that changed the healthcare industry. Learn about the influential role of data analytics, AI, and predictive healthcare in shaping the future and how Michael leverages his experience to continuously create groundbreaking solutions.

Plus, get a glimpse into his creative side as we discuss his science fiction writing adventures! Don't miss the insights from this episode as we uncover Occam's razor principle in simplifying complex systems, the Digital Medical Home concept, and pushing the boundaries of preventive healthcare.

Tune in to learn how to navigate the entrepreneurial journey from idea to implementation with resilience and innovative spirit! For full episode details and more, follow the Ethos Effect podcast. Don't forget to subscribe for updates on our latest episodes and inspiring stories from the business world.

Connect with our guest Michael:
LinkedIn: https://www.linkedin.com/in/michael-s-gorton/

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>1909falsefull1. Our Story: The Power of Ethos with Chelsea and Donovan Ryckishttps://www.spreaker.com/episode/1-our-story-the-power-of-ethos-with-chelsea-and-donovan-ryckis--58194658
Donovan shares his unexpected entry into the financial services industry and the revelation that led him to employee benefits. Chelsea opens up about her experiences, from a promising athletic career cut short by an injury to her inspiring journey in the insurance industry.

Together, they reflect on their impactful decisions and discuss their passion for continuous improvement. Their captivating story sets the stage for future episodes, where they will host guests from various industries to share their ethos and stories of success, failure, and innovation. If you're ready to be inspired by real-life experiences that shape businesses and drive lasting impact, stay tuned for more on the Ethos Effect podcast.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>https://api.spreaker.com/episode/58194658Thu, 04 Jan 2024 06:32:40 +0000Hi Hello Labs NetworkIn this episode, hosts Chelsea and Donovan Ryckis share their personal and professional journey, shedding light on how they discovered and leveraged their ethos to build and sell multiple seven-figure businesses. Donovan shares his unexpected entry...
Donovan shares his unexpected entry into the financial services industry and the revelation that led him to employee benefits. Chelsea opens up about her experiences, from a promising athletic career cut short by an injury to her inspiring journey in the insurance industry.

Together, they reflect on their impactful decisions and discuss their passion for continuous improvement. Their captivating story sets the stage for future episodes, where they will host guests from various industries to share their ethos and stories of success, failure, and innovation. If you're ready to be inspired by real-life experiences that shape businesses and drive lasting impact, stay tuned for more on the Ethos Effect podcast.

Connect with Chelsea and Donovan:
Website: https://businessofbenefitspodcast.com/
Instagram: https://www.instagram.com/ethoseffectpodcast/
Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/
Donovan: https://www.linkedin.com/in/donovanryckis/

----------------------------------------

Podcast Produced by Hi Hello Labs
Website: https://www.hihellolabs.com/
]]>966building,business,businesses,businessexit,effect,entrepreneurship,ethos,failures,figure,impact,innovation,insurance,levelup,marriage,partnership,podcast,scaling,selling,seven,startupfalsefullWelcome to the Ethos Effecthttps://www.spreaker.com/episode/welcome-to-the-ethos-effect--58194657
In each episode, we offer you a transparent, firsthand account of how these trailblazers discovered their 'why' and used it to fuel their remarkable success. Through candid and illuminating conversations, you'll gain exclusive insights, valuable tips, and actionable strategies that will give you a distinct edge on your path to revolutionizing your industry.

Whether you're an aspiring entrepreneur eager to take the first steps toward your vision or a seasoned professional looking to pivot and push your boundaries, the Ethos Effect is your ultimate source of inspiration and guidance. Our podcast shows you how your ethos can catalyze innovation and leave an enduring legacy in the business world.

Join us on this thrilling journey as we explore how ethos can be your secret weapon for rewriting the rules of the game and achieving unparalleled success. The revolution begins here.]]>https://api.spreaker.com/episode/58194657Thu, 04 Jan 2024 06:11:41 +0000Hi Hello Labs NetworkWelcome to the inaugural episode of Ethos Effect, a dynamic podcast that shines a spotlight on the remarkable business pioneers who've harnessed the power of their ethos to blaze new trails and transform their industries. Hosted by trailblazing...
In each episode, we offer you a transparent, firsthand account of how these trailblazers discovered their 'why' and used it to fuel their remarkable success. Through candid and illuminating conversations, you'll gain exclusive insights, valuable tips, and actionable strategies that will give you a distinct edge on your path to revolutionizing your industry.

Whether you're an aspiring entrepreneur eager to take the first steps toward your vision or a seasoned professional looking to pivot and push your boundaries, the Ethos Effect is your ultimate source of inspiration and guidance. Our podcast shows you how your ethos can catalyze innovation and leave an enduring legacy in the business world.

Join us on this thrilling journey as we explore how ethos can be your secret weapon for rewriting the rules of the game and achieving unparalleled success. The revolution begins here.]]>395businessinnovation,businesspioneers,businesspodcast,challengingthestatusquo,corevalues,entrepreneurialspirit,entrepreneurjourney,entrepreneurship,ethoseffect,ethospower,gamechangers,industryrevolution,innovativeleaders,inspiration,leadership,legacybuilding,podcastlaunch,successstories,trailblazersfalsefull