https://www.youtube.com/@employeradvisoryboardRiverside.fm (https://riverside.com)Tue, 03 Nov 2026 10:28:01 GMTFri, 23 Oct 2026 15:54:33 GMT60Matt RagudoEmployer Advisory Board gives business owners and CFOs a seat at the table for the conversations their advisors already have. Each episode, one expert who serves employers (an ERISA attorney, a fractional CFO, a CPA, a broker) brings the questions employers ask them most, and answers them straight. No sales pitch, no jargon for its own sake. Just the people who know, explaining what you should know before you sign, renew or hire. Hosted by Matt Ragudo. Letting experts be experts. New episodes on Fridays. Video on YouTube at @employeradvisoryboard.episodicMatt Ragudoaloha@mattragudo.comnohttps://www.youtube.com/watch?v=RWnJKgn0J80b0cf675b-8218-449c-a2ea-04630ffa952aFri, 30 Oct 2026 14:00:00 GMTJohn Claborn, founder of Frontier Business Design, spent 12 years running operations and now works with $2M to $4M trade and service businesses to get the owner out of the truck. We get into owner dependency, why "we're a family" backfires, the three jumps every owner hits (zero to a million, a million to five, five to ten), and the one question to ask if you're at the office at 6 AM. Watch the video on YouTube: https://www.youtube.com/watch?v=RWnJKgn0J80 John's assessment: https://pages.frontierbusinessdesign.com/assessment Hosted by Matt Ragudo. Letting experts be experts.no00:40:132Why Your Trade Business Still Runs Through You | John Clabornfullhttps://youtu.be/ZT10LRZ_bBQb8256f0e-0e1b-4aa7-bf2e-15cf6aa47023Fri, 23 Oct 2026 14:00:00 GMTEvery mid-market CFO has gotten the email: a "wellness plan" that cuts FICA, raises take-home pay, and adds benefits, all at once. ERISA attorney Chris Vanderwolk explains why those three things can't all be true, and what to do if your company already signed up. Chris is Director of Compliance and Innovation at OneDigital | Kistler Tiffany Benefits and chairs NABIP's Legislative Council. We cover how the FICA double dip works, why the IRS has been warning about these for years, how to spot one hiding in your payroll, and the newer scheme he's seeing: vendors moving high-cost claimants off group plans and onto the individual market. This episode is general education, not legal or tax advice. If you have one of these in place, talk to your own attorney and tax professional. Connect with Chris on LinkedIn: https://www.linkedin.com/in/christophervanderwolk/ Watch the video: https://youtu.be/ZT10LRZ_bBQ Chapters 0:00 Cold open 1:02 How Chris first ran into the FICA double dip 3:01 The original scheme and the IRS crackdown 4:28 The pitch in every mid-market CFO's inbox 5:27 Face-scanning apps and "reimbursements" with no expense 9:35 What happens when it unravels 13:15 Who to call for an unbiased second opinion 15:08 Law firm letters and the fine print 18:43 Unwinding it: where CPAs and employers start 21:27 How to find one hiding in your payroll 22:55 Where brokers get compliance help 25:33 How benefits advisors stay sharp 27:34 How to reach Chris 29:09 The next scheme: pushing sick employees off the plan 33:07 "Charitable funding" with a 100% success rate 35:37 Why promoters push so hard: the money 37:11 Red flags to check before you sign 40:06 Wrap-upno00:40:561The "Wellness Plan" Tax Scheme in Every CFO's Inbox | Chris Vanderwolk, ERISA Attorneyfull