In this episode, Michael Pallozzi is joined by Bobby Giurintano of Premium Recovery Experts to unpack a little-known strategy that helps business owners recover overpaid workers' compensation premiums. Bobby explains how his firm audits past audits—examining insurance carriers' work to uncover errors that could mean real money back for clients. Learn how his risk-free process has helped companies reclaim tens of thousands in refunds with minimal time investment. This episode is especially relevant for entrepreneurs in the trades, where workers' comp costs can be substantial.

Tune into this episode to also learn:

● How workers' comp classification codes and risk scores impact premiums.

● Why businesses with multiple state operations have higher refund potential.

● How Bobby’s process uncovers errors without disrupting broker relationships.

● Common red flags and real-world savings from past clients.

What we discussed

● [00:02:08] Bobby introduces Premium Recovery Experts and how they help businesses recover workers' comp overpayments.

● [00:04:20] Bobby’s background and how a networking event launched his transition into the audit business.

● [00:05:41] Trades businesses that are ideal candidates—and those that aren’t—for recovery audits.

● [00:07:30] The step-by-step client process, including how minimal time is required.

● [00:10:58] Common reasons for overcharges: classification errors, misapplied risk scores, and claim mismanagement.

● [00:14:32] What experience modification ratings (EMR) are and why they matter in construction.

● [00:16:52] The forward-looking benefits of correcting audit errors—not just refunds, but future premium savings.

● [00:17:43] Ideal company size and premium range to work with Bobby’s team.

● [00:18:45] Limitations: states and business models that may not qualify.

● [00:20:04] Why union companies often pay higher premiums and how that plays into savings potential.

● [00:22:15] What happens if Bobby finds favorable conditions in your current setup—spoiler: they walk away.

● [00:24:02] How to get in touch with Bobby and what to expect from your first call.

3 Things To Remember

1. Many businesses are unknowingly overpaying workers’ compensation premiums due to classification or risk score errors.
2. Premium Recovery Experts provides a hands-off, no-upfront-cost process that identifies and corrects these errors.
3. Correcting past audits not only recovers money but can also reduce future premiums and improve competitiveness.

Useful Links

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

Connect with Bobby Giurintano on LinkedIn: https://www.linkedin.com/in/bobbygiurintano/

Premium Recovery Experts: https://premiumrecoveryexperts.com/

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In this episode of The Entrepreneur’s Journey, Jason Gabrieli is joined by Nicola Reasoner, partner at V&R, to explore what it really takes to prepare a business for sale. From financial cleanup to team dynamics, and even the emotional readiness required to exit, Nicola offers invaluable advice from years of experience guiding entrepreneurs through transitions. If you're a business owner—even just considering a future sale—this episode will equip you with clarity and concrete steps to prepare for that journey the right way.

Tune into this episode to also learn:

● Why starting the sale prep process too late can hurt your outcome.

● How financials should be restructured for buyers—not just for taxes.

● What buyers are really looking for during due diligence.

● How emotional readiness plays a critical role in a successful exit.

What we discussed

● [00:01:26] Introduction to Nicola Reasoner and her role helping entrepreneurs prepare for sale.

● [00:04:18] The most common mistake business owners make when preparing to sell.

● [00:07:28] Why going unrepresented can lead to a poor outcome.

● [00:09:42] Ideal vs. rushed timelines for preparing a business for sale.

● [00:14:17] How to properly present EBITDA and clean up financials for investors.

● [00:18:13] The importance of emotional readiness in the exit process.

● [00:21:01] How to manage confidentiality with your team during a potential sale.

● [00:27:02] Understanding the buyer landscape: strategic vs. financial buyers.

● [00:33:22] Life after a sale: what changes and how to prepare for it.

3 Things To Remember

1. Begin the exit planning process at least 12–24 months before you intend to sell.
2. Understand and adjust your financials through the lens of a buyer, not just your CPA.
3. Emotional preparation is just as important as operational readiness—know why you're selling and what comes next.

Useful Links

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

Like what you’ve heard…

Learn more about HFM HERE

Schedule time to speak with us HERE

Michael Pallozzi sits down with Phil Risher, founder of Flash Consulting, about how trades business owners can grow revenue by turning marketing from a black box into a measurable system. Phil shares how his unique path—from pest control ride-alongs to enterprise fleet sales to featured finance blogger—led him to help home service companies scale from $1M to $10M+ and even exit to private equity. You’ll hear the three key questions private equity buyers ask (and how to build systems around them), why tracking your return on ad spend is essential, and how to use automation to convert leads and re-engage past customers.

Tune into this episode to also learn:

● The three questions every home service business should answer to grow and scale.

● How to use email and text automation to improve lead conversion rates.

● Why most businesses overspend on ads without tracking returns—and how to fix it.

● How to double revenue even when competing against much larger companies.

What we discussed

● [00:01:38] Phil’s background: from pest control ride-alongs to enterprise fleet management and digital content.

● [00:03:36] Helping a $3M company scale to $5M and exit to private equity by combining marketing and operational systems.

● [00:04:48] The 3 key questions a private equity buyer asked—and how they shaped Phil’s business model.

● [00:06:58] Why most marketing agencies fail to prove ROI and how Flash ties ads to closed revenue.

● [00:09:33] Strategies for building online presence when starting from scratch.

● [00:10:55] Using secondary platforms (Yelp, Angie) to avoid competing directly with industry giants.

● [00:11:46] Improving estimate close rates from 46% to 58% using nurture sequences.

● [00:12:44] How retargeting past customers by email drove $250K+ in revenue.

● [00:17:40] Building a fully remote team and winning Inc. 5000 Best Workplaces.

● [00:23:47] Why client count is Flash’s key business metric—and how the team rallies around it.

● [00:25:06] Phil’s personal turning point from earning “enough” to multiplying his talents for greater impact.

● [00:27:18] The goal: becoming the kind of CEO who can lead a $10M company.

3 Things To Remember

1. Marketing is not about spending more—it's about tracking results and fixing conversion leaks.
2. Retargeting past customers with the right offers can drive substantial new revenue.
3. Building a company that wins culturally and operationally starts with hiring intentionally and leading with clarity.

Useful Links

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

Connect with Phil Risher: LinkedIn

Like what you’ve heard…

• Learn more about HFM HERE
• Schedule time to speak with us HERE
• Check out our Financial Wellness Program –