October 8, 2025 • 35 mins
Mowbray and Cherina Rowand.
🎙️ Interview Summary: Mowbray & Cherina Rowand Purpose of the Interview
To showcase the entrepreneurial journey of Mowbray and Cherina Rowand, co-founders of The Rowand Group and One Stop Taxes, the largest Black-owned virtual tax preparation service in America. The interview highlights their business evolution, scaling strategies, community impact, and the creation of the Black Tax Festival.
🧭 Interview Outline 1. Background & Origins
- Both from Memphis, Tennessee; met in high school.
- Started tax preparation in 2010 as a mom-and-pop operation.
- Transitioned from brick-and-mortar to virtual model by 2015.
2. Business Philosophy
- Entrepreneurship is defined as service to others.
- Mowbray is the visionary; Cherina is the implementer.
- Emphasis on scaling with structure: legal, accounting, HR.
3. One Stop Taxes
- Grew from a single office to over 1,000 virtual franchise locations.
- Offers free training, no startup costs, and shared revenue model.
- Built a platform allowing clients to submit documents and sign remotely.
4. Virtual Tax Model
- Designed for convenience and accessibility.
- Clients and tax preparers never need to meet in person.
- Platform includes document upload, e-signature, and cloud storage.
5. Franchise & Training
- Learning Management System (LMS) for onboarding.
- Training includes tax prep, customer acquisition, and platform use.
- Strategic partnerships with local businesses (e.g., dealerships, daycares).
6. Black Tax Festival
- Annual event held in Atlanta (Oct 16–18).
- Combines networking, education, and recognition.
- Includes IRS updates, business workshops, and the Titan Awards.
- Open to all entrepreneurs, not just tax professionals.
7. Expansion & Diversification
- Own restaurants in Memphis and the Dominican Republic.
- Franchised Fat Tuesday and Esco Restaurant (did \$1M in first 6 weeks).
- Own a yacht for rental experiences in the DR.
- Plans to develop a restaurant strip near FedExForum in Memphis.
💡 Key Takeaways
- Vision + Execution = Growth: Their complementary roles fuel business success.
- Virtual is Scalable: Transitioning to virtual allowed exponential growth.
- Community Impact Matters: Black Tax Festival fosters education and recognition.
- Diversification is Strategic: Restaurants and real estate expand their brand.
- Mentorship & Learning: They study successful entrepreneurs like Tilman Fertitta.
- Faith & Family Drive: Their journey is rooted in love, planning, and purpose.
🗣️ Notable Quotes
- “Entrepreneurship means being a servant to other people.”
- “The same thing that works at \$1M doesn’t work at \$15M.”
- “We had to fire ourselves from some jobs and hire professionals.”
- “We built a platform where you can do taxes from your couch.”
- “We started before social media—we know belly-to-belly marketing.”
- “Recognition matters—people don’t get it at home or work.”
- “We’re trying to bridge the wealth gap through proper paperwork.”
- “We bought a yacht in the Dominican Republic to rent for experiences.”
#SHMS #STRAW #BEST
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hi, I'm Rushan McDonalds hosts weekly Money Making Conversation Masterclass show.
The interviews and information that this show provides off for everyone,
and it's time to start reading other people's success stories
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(00:22):
motivational speaker, influence or nonprofit, I want you on my show.
Now let's get to this interview. My guess our gas
are the co founders of the Rowing Group. They used
to be an LLC. Not they it's called I'm gonna
ask them about that and the vision areas behind One
Stop Taxes, the largest black owned tax preparation service in America,
were more than one thousand virtual locations nationwide and the
(00:45):
creators of the Black Tax Festival. They have expanded their
business portfolio into restaurants, real estate, and hospitality. Wow, we
got a lot to talk about. This is a money
making conversation for real Please welcome to the Money Making
Conversation Masterclass. Sharina and Mowbray rowing, thank you so much.
Speaker 2 (01:04):
I'm glad to be here.
Speaker 1 (01:05):
Well, first of all, I'm glad that you got a
Memphis shire on. What's going on there? Lock it down?
What's happening?
Speaker 3 (01:10):
Yeah, born and raised Memphis Center c been in Atlanta
almost a decade right now, But I played football University
of Memphis.
Speaker 1 (01:16):
Okay, still they undefeated right now, right Memphis undefeated.
Speaker 2 (01:20):
I'm not gonna jink some right now.
Speaker 1 (01:22):
We came back and beat Arkansas ball.
Speaker 2 (01:26):
Going crazy.
Speaker 1 (01:28):
Well, congratulations man. You know, hopefully by the time this
airs they still be under fan I hope so. But
I'm very familiar with with Memphis. Been there a lot.
You know, the little watch the little ducks go down by,
coming by, the kids come down, go down the hallway.
You know, people at the hotel. If everybody ever been
there a hot chicken? Yeah, you know down there. Steve Harvey,
(01:49):
who I managed beent the years. Marjorie Harvey is from Memphis.
The family is from Memphis. So I'm very familiar. Been
up there a lot. So never went up there for Elfas.
I will tell you that I have never went up
there for Elvis, but there for me now. Serena where
are you from.
Speaker 4 (02:03):
I'm originally from Memphis as well.
Speaker 1 (02:04):
Okay, I apologize for just assuming he was just Memphis
because you had logos are yeah as well.
Speaker 4 (02:10):
Went to the University of Memphis and we actually met
in high school. Never dated in high school, okay, and
we met surely after he graduated and he've been together.
Speaker 1 (02:18):
Awesome, awesome. So you guys are entrepreneurs, Yes, sir, I'm
gonna start with you. What does entrepreneurship mean to you?
Speaker 3 (02:26):
And so it means to me, entrepreneurship being able to
set your own path. It means being a servant to
other people. And that's what I define entrepreneurship as finding
a service, finding how you can serve people, and there
you can ultimately build a business around around their service.
And so I just try to be better at that
than most people.
Speaker 1 (02:44):
Now, you know Serena when he says that building a business,
you guys are partners. Let's talk about that business first,
because definitely, I always feel that you gotta have a
big business to expand the business. It's called scaling. So
you guys are scaling now, but in the early stages,
(03:06):
what was your vision for the business.
Speaker 4 (03:08):
Well, Mowbray is our visionary. Mowbray is the big idea guy.
He always is coming up with.
Speaker 1 (03:13):
He's a big idea that.
Speaker 4 (03:14):
He's a big idea guy. Right, He's always like, Babe,
I got it. And for me, I'm the implementation person.
I'm going, Okay, if we're going to go from A
to Z, this is the way we have to get there.
And so that's kind of how the dynamic has always.
Speaker 1 (03:27):
Somehow, somehow. She complimented herself in that and that, like
you you always got these ideas, but she got to
come in to clean up. That's how that came on
fast from me.
Speaker 2 (03:38):
I'm I'm glad you said.
Speaker 1 (03:41):
I'm just gonna tell you that, brother. You know. But
that's a good thing because my wife does that to me,
you know, And I would tell you I don't want
to listen to her. She'll talk about rashon. You're just
learning your words. You're talking too fast. I go whatever,
but whatever, whatever. And I'm taking notes. I'm taking notes.
I'm taking notes. You know, I'm not on here, but
I'm taking notes.
Speaker 2 (03:59):
How is that?
Speaker 1 (04:00):
How does that work with your mobile?
Speaker 4 (04:01):
You know?
Speaker 3 (04:01):
I always tell the look I know you're going to
figure out how to do it, but let me get
the vision out first, right, and then once I get
you then start asking me questions.
Speaker 2 (04:09):
But how you gonna do it?
Speaker 1 (04:10):
How's it going to work?
Speaker 2 (04:11):
Now?
Speaker 3 (04:11):
You thought about all their parts here, right, I'm just
trying to see if I want to do it first,
and so yeah, I kind of cast the vision, make
sure that there's something that I know we want to do,
and then we start figuring out the pieces of it.
She want to figure the pieces out before we get
the idea out first.
Speaker 1 (04:24):
Well, you know, now I agree with her, you know,
because a lot of people jump out there on faith.
But I would say that's cool, but please jump with
a plan that is right, Please jump with a budget,
because I would tell people that when you start a business,
there are three things. You should have an accountant, lawyer,
and if you have employees hr those are and people
(04:47):
want to cut corners on all three of those. Now,
being a person, Marlbury, you know, you're you're you're you're
expanding along with SHARENA outside of taxes, which means that
you're picking up employees, real estate restaurants. We're gonna get
into individuals and also gonna get to the Black Tax Festival,
which is another contractors and all those things. And I
(05:09):
know that I'm not looking at just two people, y'all,
not the two main operations. So when I say the
word accountant, I say the word our CPA, our bookkeeper,
I say the word legal, I say the word HR.
What do you say back to me?
Speaker 2 (05:25):
You know, I say, gotta have it all?
Speaker 3 (05:27):
And you know, you talk about scaling what we have
when we first started the business Ms McDonald, and what
we have to have now. Now we have to have
a new attorney. Now we need a new CPA. Like
the same thing that works at one million dollars, it's
not the same thing they work at ten million, fifteenth
In every stage, I didn't realize either. At every stage
we needed to kind of up the team a little bit.
(05:49):
And so yeah, so we had to allow people that
you know, to even know more about certain things than
us to can kind of help us with some In
some of those arenas, we needed a big time attorney.
We had to get a different CPA through the business
and stuff. So those are big, key, key things. It's
surrounding with a real quality team as a business begins
to scale, because it's hard to scale without it.
Speaker 1 (06:08):
And I will tell you this, and I agree with
you because I remember when I and I asked the
money was coming in. You know, I had no problem
buying clothes, had no problem going on trips, buy the car,
but going I was struggling paying that tax man. I
was struggling paying I didn't understand those those bills, you know,
(06:30):
because I went, like you said, I used to have
an accountant, and it's nothing longer to have account Then
I went to a CPA firm. Okay, that check is crazy,
you know, but I know when anybody ordered to me,
they had it. They defended, you know, and so that's
how it works. But putting that structure together, he's pretty
(06:54):
calm and cool. His Sharina, talk to me about your rope.
Speaker 4 (06:57):
Oh my goodness. So originally I was the HR, the attorney.
Speaker 2 (07:04):
It was all yeah.
Speaker 4 (07:07):
Actually at the point where you realize, hey, we need
professionals in here. And I got to fire myself from
some of these jobs. Okay, so that's what I started
to do. It's like, hey, you know, we need a team.
And you know, over the years that team.
Speaker 1 (07:20):
And when you say that over the years, talk about
the years, oh yes, like when you really started being
you know, you all start with a party of too.
You got to start this the route when you start
bringing people on. What was that year that it clicked
kicked in?
Speaker 4 (07:34):
So we started doing taxes in twenty ten. Okay, just
mom and pop and I. We had an office in Memphis, Tennessee,
and we were just you know, learning how to do
this industry. We didn't have a ton of support, we
didn't have a ton of training, but we had a
lot of drive, right, and so we got to work,
put our heads down for a few years, and the
business was growing, but not at the rate we wanted to.
(07:55):
We knew we wanted to scale, but we knew that
that wasn't going to be just us going out and
getting more customers. So by twenty fifteen, we had the
idea of saying, hey, listen, it's not just us that
want to make a lot of money during the first
part of the year. Taxes is a different industry from
a lot of things we've been able to see, right,
and so when we found that concept, we said, what
(08:16):
if we put a system in place to show other
people how to do this, and so we started one
Stop Taxes, the franchise model. We started teaching people how
to do taxes, how to structure their companies so that
they could be profitable, how to find customers in their marketplace.
And it grew from there. And so we looked up
after a year and we had ten new stores, one
hundred new stores.
Speaker 1 (08:36):
Now these were now because we said a thousand virtual locations.
Now now we're talking about you said twenty ten, then
you said twenty fifteen. Were those were those brick and
mortar stores at the time. Okay, talk about the brick
and mortar financial model versus the virtual financial model.
Speaker 4 (08:55):
Oh, it's night and day. Right. Starting out, it was
you know, paying all the money out up front, trying
to figure out if the tax season was going to
be able to sustain you for the rest of the year.
Speaker 3 (09:06):
Right right, yea, So those were things it's kind of difficult,
you know, trying to you know, you got to virtual
a brick and mortar business, right when you got three
months you got to make money, but you got to
pay these.
Speaker 1 (09:16):
Bills, right, So it's just insurance ensuring like GAZZ.
Speaker 3 (09:22):
So it's hard to scale with that type of model,
and it's hard to teach someone else how to start
their model when it costs so much money.
Speaker 2 (09:28):
Out of pocket, right, So that's what we came a franchise.
Speaker 3 (09:31):
Franchise is right, But what if we can remove the
doors and windows and make it to where you can
do everything online, do it all from an app.
Speaker 1 (09:38):
Now we're talking visionary talk now, right.
Speaker 3 (09:39):
Right, because I think I'm talking about this before you
got apps, before.
Speaker 1 (09:43):
People talk this, visionary talk, before people.
Speaker 2 (09:45):
Even trust taking pictures of their documents on the sale.
Speaker 1 (09:48):
You're talking visionary talk, right, you know, visionary talk come
with Are you crazy?
Speaker 2 (09:52):
Right?
Speaker 1 (09:52):
What you talking about?
Speaker 2 (09:53):
Yeah?
Speaker 1 (09:53):
Boy?
Speaker 2 (09:54):
Anybody? Aybody documents stuff? I ain't sending my ID on
those the phone. Anybody ain't nobody going ahead? You know
what I mean?
Speaker 1 (10:02):
Everybody just prising no money right exactly right through their phone.
Speaker 3 (10:05):
Nobody's going to trust you, right, Okay, before everybody started
doing it, the sounds crazy.
Speaker 1 (10:09):
Okay, Now let's go to faith.
Speaker 2 (10:10):
Now.
Speaker 1 (10:11):
See this is where faith comes in because because you know,
when you're a visionary, people tear down. So where did
y'all go when they were tearing down, when they was
calling you crazy, when they would call it but still
borrow money for you?
Speaker 3 (10:28):
So you know, it's one of those things where you
got to just start showing people right, and you start
doing it, you know, you know my piece. Okay, the
first year gets a little bitch to get a little traction,
and we were okay with you know, this is one stop,
one stop.
Speaker 1 (10:39):
Taxis went from brick and mortar to virtual. Right, Okay,
let's talk about twenty fifteen. You expanded When did the
virtual aspect? Was that before more covid? Because COVID has
been a landmark of all conversations I've had with small
entrepreneurs or any business, did you do it before covid after?
Speaker 3 (11:00):
So we started in twenty ten wanting to be virtual.
So even when we had the brick and mortar stores,
we always had a virtual component, Okay, right, We always
had people other places singing.
Speaker 2 (11:11):
So it was kind of slowly transitioning to it.
Speaker 3 (11:14):
From twenty ten had the brick and mortar locations, and
then we realized we opened up brick and later locations
and people weren't coming in them. This is when I
realized too, about marketing. Just opening up a store, people
don't just come into a store because you open it.
And so we opened up brick and mortar stores, no
customers came in right, right, And so we was like, that.
Speaker 2 (11:32):
Ain't the way to go, babe. All this costs customers.
It's not it you know what I mean.
Speaker 1 (11:37):
And then our wife that was your clientele, minorities or
so they have that block mentality, you know, first quarter,
don't worry about the rest of the year, you know,
especially so that's a problem too, Right, So you have
to deal with your income being shuttered maybe eight months
out of the year, right right.
Speaker 4 (11:58):
Absolutely, So again, season is a very seasonal business. But
again for us, as we started to grow the franchises
twenty fifteen, we started with a few stores. By the
time we got to twenty nineteen, there were one thousand
franchises in the system. And pre COVID, you know, the
world shuts down and we're already in place. We already
(12:21):
have all these stores that are fined and ready, and
so that just kind of changed the game for us,
and it helped so many families within our ecosystem not
have to have the same struggles as every also experience.
Speaker 1 (12:34):
You were virtual, yes, and the world became virtual, and
the world became zoom. The world became I don't mind
looking at you and talk about my business over a
small over a phone or a monitor. So let's talk
about this because I will be honest with you, Marlvaret
and Serena. I am confused on how virtual works. Okay, okay,
(12:57):
I'm a traditionalist. You know, from a standpoint of when
I used to do taxes, I going office, shit down
or waiting line and come up here, somebody do my TAXI.
Now you're talking about you have one thousand virtual locations.
How does that work?
Speaker 3 (13:11):
So from the very beginning, we wanted to make it
to where people could be at home, right and send
it home on my couch, get my taxes done. And
and if Mr McDonald's my tax person, I can send
him my documents. He can prepare them from the house.
I can sign from my house, and neither one of
us have to go anywhere, right, And so we built
out a platform that does just that. I can take
the pictures on my phone. I can select your name
(13:33):
and an app. The documents are gonna come to you.
You can prepare them right there, send it back for signature.
I can sign it. My files is in my in
my inbox, in the cloud, in the cloud, and neither
one of us is left home. I got my cash
advance in my pocket, my stuff is.
Speaker 4 (13:49):
Done, tax refund deposit.
Speaker 2 (13:52):
No waiting in line, no, but no driving in traffic.
And this is impressive.
Speaker 1 (13:57):
This is impressive because accounting is neither of your background.
Speaker 3 (14:03):
Correct, not really, this is a business degree. I took
some accounting classes, but I was say, it's all good.
Speaker 1 (14:09):
It's all good, you know, you know, look look at people.
Ain't making donuts? Who own the doughnut play pop, ain't
making hamburgers. I don't think my man own chickenil A
making a chicken sandwich. Okay, So we talked about a
business model. Did you guys create it? But from an
advanced standpoint And it's from a standpoint of like they said,
from personal experience, how could I make it easier for
(14:32):
me and then share it through a business model? And
that's why, you know, I have to commend that because
that takes a lot of goods.
Speaker 3 (14:43):
Talk to me, Yeah, it took a lot of goods
to be able to give people something they never heard
of before. Because when you tell a person we own
a virtual tax company, like what is a virtual tax.
Speaker 4 (14:53):
What?
Speaker 2 (14:53):
Yes? Yes, you know what I mean.
Speaker 1 (14:55):
It's like I said, I've heard it all and I'm aware,
kind of aware of it because you know, AI and
apps and stuff like that. But especially when you two
guys would start, you know, they were just you know, hey,
social media was kind of still ramping up.
Speaker 3 (15:12):
Yeah, we started before social media, right, we started, So
we started where which is good though, because we know
billy to belly. These kids they don't know billy to
belly anymore. Right, even in the app world, even in
the AI world, you still got to go talk to people.
You still got to understand some belly to belly billy
relationships with people. And so we can teach people the
old school side of it, and we know all.
Speaker 2 (15:33):
The new school stuff and AI to tech and all
this stuff as world too.
Speaker 3 (15:36):
But in order to make it really successful, you really
got to be able to do all of it.
Speaker 2 (15:41):
And so that's kind of how we hedged our bed.
Speaker 3 (15:43):
We win and show people how the old school way
and the new school way, and then you put it
all into an app and a platform and they just
took off.
Speaker 2 (15:51):
Stay with us.
Speaker 5 (15:52):
More Money Making Conversation Master Class coming up next. Welcome
back to Money Making Conversation Mastered Lass with me Rashaun mcdonaldo.
Speaker 1 (16:05):
I'm speaking to the co founders of the Rowing group
the visionaries behind the one stop the largest black owned
tax preparation service in America with more than one thousand
virtual location These are franchises, Yes, sir, How does one
get involved? How do they contact you?
Speaker 4 (16:20):
So we made the platform the bullhont We originally we
used to come from a network marketing background, you know,
when we were in our twenties. That was one of
the first businesses that we were in. So there were
a lot of things that we loved about that industry.
So when we created the platform, we created it with
that model in mind, and so we don't have any
(16:41):
startup costs to get going and train for free. We
provide all of the tax software put people in the
system because we believe that if you truly take what
we were teaching you, you'll go out and you will
make money and then we can split up on the
back end and you know, it's no problem. And so
that has really been one of the reason since that
we've grown so fast, is that we've lowered that barrier,
(17:03):
that point of entry barrier for most people so that
they can say, hey, if I have a lot of drive,
but I haven't found the things that will work for me,
maybe this is it. And so one Stop Taxes has
been that for a lot of people over the years.
Speaker 1 (17:16):
Well, you know the websites absolutely, one stop taxes dot Com,
One stop taxes dot Com. And when they go to
that screen or go to that website, what what's the process?
Speaker 2 (17:26):
What do they do?
Speaker 1 (17:27):
What do they click?
Speaker 3 (17:28):
It's gonna right in the middle of stage. It's gonna
say build my business online. It's right as soon as
you go in the middle of the page, right, and
you can get clicking on the about if you want
to just get more information. Our direct phone numbers and
everything is on there as well. Our phone numbers are
our Instagram And if you want to just go in
there and just sign up and get started, you can
do that.
Speaker 2 (17:44):
As well too.
Speaker 1 (17:46):
Now, when you started, you're an LLC. Yes, now you're
an S groupes Court. I apologize, that's Court. Why did
you shift?
Speaker 2 (17:54):
Well change?
Speaker 3 (17:55):
Yeah, Well, initially it was just her and nine, so
we didn't have any employees, we didn't have any k ones,
we didn't have anything needed to flow.
Speaker 2 (18:00):
Up to us or anything like that.
Speaker 3 (18:03):
And so as we beget one business, you know, you know,
just two of us entrepreneurs. But as we began to
have all these other entities, Black Tax, Fitts, Marti Garard
and Memphis, the restaurants, multiple restaurant groups, and so.
Speaker 2 (18:14):
Then we have to start having Kate Launagar.
Speaker 3 (18:19):
We had all these entuities that we have, and so
the Kate we needed something where all this could flow
back up, and we had to change the whole structure.
And so there's all types of tax advantages when you
when you switch to escort.
Speaker 2 (18:29):
But well it was just us too.
Speaker 3 (18:30):
You know, all we know is just LLC in the beginning, right,
and so a lot of people, most people, let me
give me a business. LLC is better than nothing, right,
But as the business grew, we had to also again
we had to change with it.
Speaker 1 (18:42):
So how does one market a virtual tax company virtually?
Speaker 4 (18:48):
And so we teach people how to one tap into
their warm market, because we believe that, again, your customer
base should start out at least a little bit warm,
familiar people that want to support your business. So we
teach them how to approach that warm market. But then
we start teaching them how to go out and align
strategically with other people that can send you more customers.
If you're in the tax industry, you have a lot
(19:09):
of different industries that can funnel and feed into that
customer base, and you can also help those customers or
those businesses as well with your customer base. And so
we teach people how to go strike up partnerships with
a dealership, a car dealership, or daycare or an apartment
complex and different places where people often come at a
(19:31):
certain time of year and say, hey, I need a
lump sum of money. I need to be able to
have a down payment for a car or moving expenses.
And now we have a resource to be able to
get that to them.
Speaker 1 (19:41):
So is there an onboarding process to get a virtual
one stop tax location.
Speaker 3 (19:47):
So we built in this platform a whole learning management system,
so you actually go through all the different steps from
how to prepare taxes, how to get customers, what do
you do?
Speaker 2 (19:57):
How do you work the system?
Speaker 3 (19:58):
So yeah, once you go through this complete training, then
it's all online at your own pace. Then we go
ahead to issue you out all the email addresses and
give you out access to the software and we kind
of finish your your onboarding process once you complete the training.
Speaker 1 (20:11):
Let's go to something big. Like I said, we're not
gonna talk about the MARTIROO. That's the first time I
heard Martiro, but Black Tax vestib how many years?
Speaker 4 (20:21):
So this is our tenth annual event.
Speaker 1 (20:24):
Okay, why it is started? And why was their need
for the Black Tax Festival which is in Atlanta, Georgia correction, right?
Speaker 3 (20:31):
And so we started it because we all of our
stores are virtual for the most part, and so a
lot of them, you know, they would sign up virtually
all across the country. We never met them before, and
so it was so we needed something to bring everybody
together or we can be able to meet. We can
we can put our arms around and we can give
them recognition for what they've done, and we get to.
Speaker 2 (20:49):
Hear their stories.
Speaker 3 (20:50):
And I'm telling you, well, you hear some of these
stories of where these people were when they heard about
this business and what has happened in their life because
of it. I mean, it just melt you down. I mean,
it is an amazing thing. And so once we started
doing that, it just became important for us to do
it every year and it just kept getting bigger. But
now people push and work hard because they want the
recognition in black techs oience, right, you know, people don't
(21:12):
get recognition on their jobs at home.
Speaker 1 (21:14):
A lot of time now with the words recognition, how
are you recognizing people?
Speaker 2 (21:18):
So there's a whole award show that we do.
Speaker 1 (21:20):
Okay, so it's a Black Tax Festival and there's an
award show, yes, sir. How many days it's the festival?
Speaker 4 (21:29):
So it's October sixteenth through the eighteenth this year, and
so two days is all conference content. We have the
irs coming out to give updates. We have so many
different speakers coming to share business opportunities, to share their
secret sauce on how they've been able to grow and
scale their businesses. And so we curate this room so
that it can be a resource to everyone that attends,
(21:51):
whether you're in the tax industry or not. If you're
just an entrepreneur, this is a great room for you
to be in to just soak in the knowledge, network
with people on a high level, and hopefully leave with
better than we found you. And so that's always our
goal at Black tas.
Speaker 1 (22:04):
Okay, So because now I'm trying to shape because you
said a magical word, you don't want to have to
be involved with taxes to attend, Yes, sir, Okay, how
do you get around with that messaging? Because it feels
like if I'm looking for a tax person. I'm looking
for entrepreneurship, I'm looking for a bank law. I'm looking
for anybody that can help me at scale. Those are
type people that are going to be at the Black
(22:26):
Tax Person. I'm not assuming that, but I think that's
the purpose.
Speaker 3 (22:28):
Correct, absolutely, And so yeah, we definitely want to attract
all those types of people. And like we're bringing out
our bankers from Chase to be able to talk to
people about actually, how do you kind of banking you
need because one of the problems with us and it
just pays me so much, but we aren't. We are
left out of the rooms because we don't have the
proper paperwork, we don't have the proper financials, right, So
(22:49):
we're underserved, we're under insured. And so we're going to
bring out people within these different alliances so we can
start kind of helping bridge some of this wealth gap.
So that's a big part of Black Tax Fast because
as tax professionals, we're the ones that help bridge the gap.
Why because we're the ones do the tax returns. Favorite
So if you want a house, who you got to
call your tax guys right right, And so us as
(23:10):
tax professionals that we're giving the right information to all
of our clients nationwide, we can start moving the envelope
a little bit. And so that's why we bring all.
Speaker 1 (23:19):
So Triton Awards, Right Tight Awards, Tight tightan Awards. That's
when you're celebrating the success of the Virtual tax, one
stop tax on us. Right, they come in. What does
that opening day look like? Walkway through each day of
the Black Tax Festival.
Speaker 4 (23:38):
On Thursday, we'll start with, as.
Speaker 1 (23:40):
You said, the sixteenth through the eighteen.
Speaker 4 (23:41):
That's right, the sixteenth through the eighteenth. On Thursday, we'll
start with what we call Breakfast with Bosses. It's a
networking breakfast with some of the amazing business leaders that
we've been able to meet here in the Atlanta area.
Will have you know, a day filled with general sessions
and breakout sessions.
Speaker 1 (24:01):
I apologize what location, where is it? Where the hotels
is downtown? Where is it that episodes? It's a epicenter,
epicenter that's in River, Riverside, Riverside percent Okay, I apologize
for not bringing that up. Riverside air per Center and Riverside.
Speaker 4 (24:16):
And then on so Thursday and Friday is full of
content like that, activations, things that people can can go
to breakout sessions, get workshops in how.
Speaker 2 (24:25):
To use AI and business these types of things.
Speaker 3 (24:27):
So to your point of just all types of different
business owners, Like we talkt we go through how do
you really use AI in your business? How do you
regardless of the industry, Like how do you take it
and help you scale your business? Like how are you
using SEO to become an expert in your market? Right
to come to the top of Google searches? And so
it's a lot of things. How you use in business funding?
What kind of bank accounts that you have? Business financials? Like,
(24:49):
how do you really go get business credit as an
entrepreneur Because there's a lot of things floating around of
what business credit looks like, which is we access to funding,
which all of our business owners need, But what do
you really need?
Speaker 2 (25:00):
Right? Right? Do we know what a personal financial statement is?
Speaker 3 (25:03):
You know, the tax returns is needed parked, the law
statements that you gotta have. Like once we start teaching
us really what's needed to go into these banks and
go be bankable, I think we start moving the needle.
So that's what we kind of do those first two days.
Last day we bring it off with the gala and
we have a little fun. We're gonna bring Rick Ross
is gonna be our keynote that day. Q Parker is
gonna come in.
Speaker 2 (25:26):
You gotta come in and do some.
Speaker 3 (25:27):
QQ did our wedding for us, one of my good
one of my good buddies. And he's gonna come you know,
bless us, you know, with some music, good good people.
Speaker 1 (25:36):
QU Parker, you know me, I know him well yeah yeah,
So I gotta call that surprising definite.
Speaker 3 (25:42):
And so the last day is the awards. We get
recognition to all types of people.
Speaker 1 (25:46):
You know, how many categories are there, how many awards
are distributed and one are the types categories.
Speaker 4 (25:51):
Eight categories of the tax tight and awards, so everything
from top revenue stream to marketing Guru and everything in between.
So we like to recognize people for different facets, a
community award, a tech guru board. So we like to
recognize people that are doing different things because there are
so many people that are doing amazing things in the
(26:12):
tax industry, right.
Speaker 3 (26:13):
We know.
Speaker 1 (26:13):
The thing I like about interviewing people who are have
a visionary approach to what you guys are doing is
that you're scaling outside the original plan. You're also into
real estate, you're also into a restaurants. Why right, Well,
you know it looks like you're doing good.
Speaker 3 (26:31):
Why when you get missed by My wife said, why
you wanna give me something else? But you know, it's
kind of a sense of to a responsibility to. And
you know, once we got to a certain I.
Speaker 1 (26:42):
Know, Steve Over said jumping, you jumped already, keep you up.
Speaker 3 (26:47):
And so after the text business got to a place
like we felt like it was time that where we
could start beginning to diversify, right, And then so we
started looking at different restaurants because we you know, we
love to travel, we love to you know, service people
provide great experiences with people. And so we bought the
fat tuesdays that they went off really really well tatoos
you were, So we bought one and we took it
(27:07):
to Memphis, Tennessee. But we we purchased the last franchise
before they stopped franchising. Okay, So we bought the rights
to the Tennessee market. Shortly after that, two chains in
his group and Snoop started franchising.
Speaker 1 (27:20):
Yeah yeah, you bringing up so many names that note okay, okay, okay, okay,
and so.
Speaker 3 (27:28):
Yeah, snoop and two chains started franchising Esco so boom.
We bought one of those, and then we took that
to Memphis as well too, and so again just kind
of going back there, giving back to our hometown. Even
though we live in Atlanta now, we still go back
there and we get back.
Speaker 1 (27:42):
Well, the beauty of going back to a community, a
customer service or business they don't normally have, knowing your
market share, being a big fish in a small pond.
Speaker 2 (27:54):
All those things.
Speaker 1 (27:56):
Marketing is cheaper cheapers believe that was playing it right?
Oh yeah, right right, because the yeah I know right
across the street is like the hotels right across the street,
and you're going, really all this is what you're paying.
And FedEx's right, there were a constant floor of traffic
(28:17):
and you're right there Atlanta. You'll be five times oh yeah,
absolutely absolutely, and let alone trying to advertise, let alone
insurance and all that good stuff. So with that being said,
what is the future for your brand?
Speaker 4 (28:29):
Oh goodness, so many things coming down the pipeline. We
have a few restaurants over in the Dominican Republic and
so we love being We didn't.
Speaker 1 (28:43):
Just gonna slide that in there. Why would that? Let
me see? So on the cord, I heard about the
Martigorol festival. Now she's gonna throw out the Dominican Republic
a restaurant. Okay, keep talking, he said, if you may
be longer than I expected. I thought i'd be at
the ind of course, that's you're going Domesic Republic. I
can't keep it, sure, but that's a beautiful thing.
Speaker 4 (29:04):
Oh but yeah, we we have some restaurants over there,
and we bought a yacht over there to be able
to rent out for experiences to people as well. And
so you know, as we look at the next few years,
you know, we're trying to convince the kids. Now, hey,
you know, what do you guys think about going and
hanging over at the beach for a little while for
a few years. But you know, who knows, who knows?
(29:27):
You're always moving on.
Speaker 1 (29:28):
I've been I've been doing money Made Conversation match classes.
Twenty seventeen. First black couple that ever came on my
show said the word yacht and just blew right past
it like they've said like, because they've said it a lot.
They've said it. Mall Bra and Sharena have said the
word yacht so much. They just like saying pento b
(29:50):
pent over to them. Okay, continue with your story, keep
yapread over there and make me feel smaller. I'm just
gonna shrink. I'm gonna be tattooed.
Speaker 2 (29:58):
By the time. So now we're the place where we
really want to drill down into the restaurant. Absolutely scale.
Speaker 3 (30:04):
And so as we scale, we want to kind of
dig into because their first restaurant, Esco Restaurant, it maan
it we did a million dollars the first six weeks, congratulations,
And so like when you have that, and what's that menu?
Speaker 2 (30:17):
What is that menu? So it's I mean it's stripping grids,
fishing grids. It's it's lamb.
Speaker 3 (30:21):
Chops, lost turkey ribs, our specialty turkey ribs, and so yeah,
so it's all of the you know, you all type
of cool food there. You know, steaks, lots of tails,
you know everything, orsus Rockefeller, you know the drinks everything.
Oh yeah, I love it. Then we got the best
and so gumbo everything there. And so now I want
(30:42):
to be able to see how do we take these restaurants.
What's what new concepts can we get. We're gonna finish
developing all the restaurants in front of the fed ex Form,
so we'll own that entire strip.
Speaker 2 (30:51):
There of restaurants.
Speaker 1 (30:52):
Congratulations fed ex Form.
Speaker 3 (30:54):
There's three three total restaurants that we're going to open
there in the next twelve months. So this given people
something downtown to and then keep expanding all of our
other and keep it safe.
Speaker 1 (31:04):
Keep security a number one priority.
Speaker 4 (31:06):
Absolutely, Souse.
Speaker 1 (31:08):
That's the key. When you get success, you skimp on
the most important things security because once the area gets
bad from a bad reputation, like the Linux maw here
and Atlanta almost closed because of security issues with people
doing silly stuff around it, people feeling they was unsafe
to go in that shopping are Beautiful mall almost shut
(31:29):
down because they had to up to security. Now people
are comfortable going in there. Traffic is popping back up
because that's because that's the you know, you guys have
a first of all, y'all, I don't throw the word
visionary out as a joke. I met that when I
said when I saw it early on in the conversation affair,
when I was talking to Sara about you know, the
(31:50):
vision to be able to master a business, and that
wasn't your educational background, which means you had to educate
yourself to be able to be successful business. And that's
why I've said there's no there's no apologies to say
that you don't have an accounting back on your business man.
You're a business woman and y'all very successful. What y'all
do you know? The word chef behind your name or
(32:12):
in front of your name, and y'all great restaurant tiers.
Speaker 2 (32:15):
So are you a chef?
Speaker 1 (32:17):
And that's that's what life is. But you're business people. Tillman,
you know he's.
Speaker 2 (32:24):
Not a chef.
Speaker 1 (32:25):
Okay, every time you go on one of this restaurant,
that food tastes cool. If he put a restaurant, your
boy going in or till the.
Speaker 2 (32:32):
Restaurant tell you going in.
Speaker 1 (32:35):
He does not mess around with his food and.
Speaker 2 (32:38):
He gives you a total. I study him a lot too.
He gives a.
Speaker 1 (32:42):
He's also owns the Houston Rockets. Just get a little background,
one of the biggest restaurant owners in the country. Correct, yes, sir,
on part of the Wind Hotel. To go to The
Nugget in Las Vegas. He based in Houston, Texas. One
of the biggest donors donors for the University of Houston.
But more importantly, you have eaten in his restaurant, I sweat.
Speaker 3 (33:03):
One of the things he says is always have eggs,
And it's like, no matter what people you know, no
matter what time of day, it is like, always get
people what they want.
Speaker 2 (33:12):
Right.
Speaker 3 (33:12):
If you've got eggs in your restaurant, regardless of what
time of day is, sell to people eggs. So I
kind of take that same. You know, it's about hospitality,
like always saying yes to the customers. So I spent
a lot of time studying people like that and taking
some of those inspirations and putting.
Speaker 2 (33:27):
Them into into our models as much as I can.
Speaker 4 (33:30):
So we don't have a lot of mentors in the
spaces that we're in, so we have to go out
and we have to read, we have to you know,
do personal development to make sure that we're feeding ourselves.
Is we're pouring out into the groups and pouring into
the staff and things like that. So it's always important
for us to be awesome.
Speaker 1 (33:46):
Interview here a lot of sound bite if we're gonna
drop on social media, because people need to hear two individuals,
a couple, a loving couple. You know, think differently, but
think together and to to accomplish something in various platforms,
various length before we go one stop taxes, How we
reach out on that, how we reach out for one
(34:07):
stop taxes.
Speaker 4 (34:08):
Start your own virtual franchise with one stop taxes at
one Stop Taxes dot com. You can give us a
call at eight by five two one two eight nine
eighty three if you have any questions. We have a
great team there to answer anything. Yet.
Speaker 1 (34:20):
Black Tax Festival, Yes, visit us.
Speaker 4 (34:23):
At Black tax Fest dot com to grab a ticket
October sixteenth through eighteenth at the Riverside Epicenter. We look
forward to having you guys there. Meet us, don't meet us?
Speaker 1 (34:32):
Okay? Do y'all have a platform where one can go
and see all your restaurants?
Speaker 4 (34:37):
Is that? That is a great question that's coming up next.
Speaker 1 (34:39):
I got okay because the ring group. I'm just telling
you that's where it has to be. So I'm being
dominic and I can go eat that make it. I
go here because that's what you're doing, you know. So
I didn't. I didn't say that question to stomp you
because you spend down so much information, so much information.
I just knew that was gonna come out third. But
again that's that's something you guys are going to see
you growing. Congratulations and thank you for a lot of
(35:00):
have a great honist conversation and you know, talk about
your business and realize that hey man, hard work, planning.
Speaker 2 (35:09):
And love and.
Speaker 1 (35:10):
Faith just right, you can get you there.
Speaker 2 (35:12):
Well, we thank you for having us. It's been awesome.
Speaker 1 (35:14):
Thank you, Thank you for coming on Money Making Conversations Masterclass.
Speaker 2 (35:17):
Awesome. Thank you so much that pleasure.
Speaker 5 (35:19):
This has been Money Making Conversations Masterclass with me Rashaun McDonald.
Thanks to our guests and our audience. Visit Moneymaking Conversations
dot com to listen or register to be a guest
on my show. Keep leading with your gifts, keep winning,
Hi, I'm Rushan McDonalds hosts weekly Money Making Conversation Masterclass show.
The interviews and information that this show provides off for everyone,
and it's time to start reading other people's success stories
and start living your own Now. If you want to
be a guest on my show, Money Making Conversation Master Class,
please visit our website Moneymakingconversations dot com and click to
be a guest. But if you're a small business owner, entrepreneur,
(00:22):
motivational speaker, influence or nonprofit, I want you on my show.
Now let's get to this interview. My guess our gas
are the co founders of the Rowing Group. They used
to be an LLC. Not they it's called I'm gonna
ask them about that and the vision areas behind One
Stop Taxes, the largest black owned tax preparation service in America,
were more than one thousand virtual locations nationwide and the
(00:45):
creators of the Black Tax Festival. They have expanded their
business portfolio into restaurants, real estate, and hospitality. Wow, we
got a lot to talk about. This is a money
making conversation for real Please welcome to the Money Making
Conversation Masterclass. Sharina and Mowbray rowing, thank you so much.
Speaker 2 (01:04):
I'm glad to be here.
Speaker 1 (01:05):
Well, first of all, I'm glad that you got a
Memphis shire on. What's going on there? Lock it down?
What's happening?
Speaker 3 (01:10):
Yeah, born and raised Memphis Center c been in Atlanta
almost a decade right now, But I played football University
of Memphis.
Speaker 1 (01:16):
Okay, still they undefeated right now, right Memphis undefeated.
Speaker 2 (01:20):
I'm not gonna jink some right now.
Speaker 1 (01:22):
We came back and beat Arkansas ball.
Speaker 2 (01:26):
Going crazy.
Speaker 1 (01:28):
Well, congratulations man. You know, hopefully by the time this
airs they still be under fan I hope so. But
I'm very familiar with with Memphis. Been there a lot.
You know, the little watch the little ducks go down by,
coming by, the kids come down, go down the hallway.
You know, people at the hotel. If everybody ever been
there a hot chicken? Yeah, you know down there. Steve Harvey,
(01:49):
who I managed beent the years. Marjorie Harvey is from Memphis.
The family is from Memphis. So I'm very familiar. Been
up there a lot. So never went up there for Elfas.
I will tell you that I have never went up
there for Elvis, but there for me now. Serena where
are you from.
Speaker 4 (02:03):
I'm originally from Memphis as well.
Speaker 1 (02:04):
Okay, I apologize for just assuming he was just Memphis
because you had logos are yeah as well.
Speaker 4 (02:10):
Went to the University of Memphis and we actually met
in high school. Never dated in high school, okay, and
we met surely after he graduated and he've been together.
Speaker 1 (02:18):
Awesome, awesome. So you guys are entrepreneurs, Yes, sir, I'm
gonna start with you. What does entrepreneurship mean to you?
Speaker 3 (02:26):
And so it means to me, entrepreneurship being able to
set your own path. It means being a servant to
other people. And that's what I define entrepreneurship as finding
a service, finding how you can serve people, and there
you can ultimately build a business around around their service.
And so I just try to be better at that
than most people.
Speaker 1 (02:44):
Now, you know Serena when he says that building a business,
you guys are partners. Let's talk about that business first,
because definitely, I always feel that you gotta have a
big business to expand the business. It's called scaling. So
you guys are scaling now, but in the early stages,
(03:06):
what was your vision for the business.
Speaker 4 (03:08):
Well, Mowbray is our visionary. Mowbray is the big idea guy.
He always is coming up with.
Speaker 1 (03:13):
He's a big idea that.
Speaker 4 (03:14):
He's a big idea guy. Right, He's always like, Babe,
I got it. And for me, I'm the implementation person.
I'm going, Okay, if we're going to go from A
to Z, this is the way we have to get there.
And so that's kind of how the dynamic has always.
Speaker 1 (03:27):
Somehow, somehow. She complimented herself in that and that, like
you you always got these ideas, but she got to
come in to clean up. That's how that came on
fast from me.
Speaker 2 (03:38):
I'm I'm glad you said.
Speaker 1 (03:41):
I'm just gonna tell you that, brother. You know. But
that's a good thing because my wife does that to me,
you know, And I would tell you I don't want
to listen to her. She'll talk about rashon. You're just
learning your words. You're talking too fast. I go whatever,
but whatever, whatever. And I'm taking notes. I'm taking notes.
I'm taking notes. You know, I'm not on here, but
I'm taking notes.
Speaker 2 (03:59):
How is that?
Speaker 1 (04:00):
How does that work with your mobile?
Speaker 4 (04:01):
You know?
Speaker 3 (04:01):
I always tell the look I know you're going to
figure out how to do it, but let me get
the vision out first, right, and then once I get
you then start asking me questions.
Speaker 2 (04:09):
But how you gonna do it?
Speaker 1 (04:10):
How's it going to work?
Speaker 2 (04:11):
Now?
Speaker 3 (04:11):
You thought about all their parts here, right, I'm just
trying to see if I want to do it first,
and so yeah, I kind of cast the vision, make
sure that there's something that I know we want to do,
and then we start figuring out the pieces of it.
She want to figure the pieces out before we get
the idea out first.
Speaker 1 (04:24):
Well, you know, now I agree with her, you know,
because a lot of people jump out there on faith.
But I would say that's cool, but please jump with
a plan that is right, Please jump with a budget,
because I would tell people that when you start a business,
there are three things. You should have an accountant, lawyer,
and if you have employees hr those are and people
(04:47):
want to cut corners on all three of those. Now,
being a person, Marlbury, you know, you're you're you're you're
expanding along with SHARENA outside of taxes, which means that
you're picking up employees, real estate restaurants. We're gonna get
into individuals and also gonna get to the Black Tax Festival,
which is another contractors and all those things. And I
(05:09):
know that I'm not looking at just two people, y'all,
not the two main operations. So when I say the
word accountant, I say the word our CPA, our bookkeeper,
I say the word legal, I say the word HR.
What do you say back to me?
Speaker 2 (05:25):
You know, I say, gotta have it all?
Speaker 3 (05:27):
And you know, you talk about scaling what we have
when we first started the business Ms McDonald, and what
we have to have now. Now we have to have
a new attorney. Now we need a new CPA. Like
the same thing that works at one million dollars, it's
not the same thing they work at ten million, fifteenth
In every stage, I didn't realize either. At every stage
we needed to kind of up the team a little bit.
(05:49):
And so yeah, so we had to allow people that
you know, to even know more about certain things than
us to can kind of help us with some In
some of those arenas, we needed a big time attorney.
We had to get a different CPA through the business
and stuff. So those are big, key, key things. It's
surrounding with a real quality team as a business begins
to scale, because it's hard to scale without it.
Speaker 1 (06:08):
And I will tell you this, and I agree with
you because I remember when I and I asked the
money was coming in. You know, I had no problem
buying clothes, had no problem going on trips, buy the car,
but going I was struggling paying that tax man. I
was struggling paying I didn't understand those those bills, you know,
(06:30):
because I went, like you said, I used to have
an accountant, and it's nothing longer to have account Then
I went to a CPA firm. Okay, that check is crazy,
you know, but I know when anybody ordered to me,
they had it. They defended, you know, and so that's
how it works. But putting that structure together, he's pretty
(06:54):
calm and cool. His Sharina, talk to me about your rope.
Speaker 4 (06:57):
Oh my goodness. So originally I was the HR, the attorney.
Speaker 2 (07:04):
It was all yeah.
Speaker 4 (07:07):
Actually at the point where you realize, hey, we need
professionals in here. And I got to fire myself from
some of these jobs. Okay, so that's what I started
to do. It's like, hey, you know, we need a team.
And you know, over the years that team.
Speaker 1 (07:20):
And when you say that over the years, talk about
the years, oh yes, like when you really started being
you know, you all start with a party of too.
You got to start this the route when you start
bringing people on. What was that year that it clicked
kicked in?
Speaker 4 (07:34):
So we started doing taxes in twenty ten. Okay, just
mom and pop and I. We had an office in Memphis, Tennessee,
and we were just you know, learning how to do
this industry. We didn't have a ton of support, we
didn't have a ton of training, but we had a
lot of drive, right, and so we got to work,
put our heads down for a few years, and the
business was growing, but not at the rate we wanted to.
(07:55):
We knew we wanted to scale, but we knew that
that wasn't going to be just us going out and
getting more customers. So by twenty fifteen, we had the
idea of saying, hey, listen, it's not just us that
want to make a lot of money during the first
part of the year. Taxes is a different industry from
a lot of things we've been able to see, right,
and so when we found that concept, we said, what
(08:16):
if we put a system in place to show other
people how to do this, and so we started one
Stop Taxes, the franchise model. We started teaching people how
to do taxes, how to structure their companies so that
they could be profitable, how to find customers in their marketplace.
And it grew from there. And so we looked up
after a year and we had ten new stores, one
hundred new stores.
Speaker 1 (08:36):
Now these were now because we said a thousand virtual locations.
Now now we're talking about you said twenty ten, then
you said twenty fifteen. Were those were those brick and
mortar stores at the time. Okay, talk about the brick
and mortar financial model versus the virtual financial model.
Speaker 4 (08:55):
Oh, it's night and day. Right. Starting out, it was
you know, paying all the money out up front, trying
to figure out if the tax season was going to
be able to sustain you for the rest of the year.
Speaker 3 (09:06):
Right right, yea, So those were things it's kind of difficult,
you know, trying to you know, you got to virtual
a brick and mortar business, right when you got three
months you got to make money, but you got to
pay these.
Speaker 1 (09:16):
Bills, right, So it's just insurance ensuring like GAZZ.
Speaker 3 (09:22):
So it's hard to scale with that type of model,
and it's hard to teach someone else how to start
their model when it costs so much money.
Speaker 2 (09:28):
Out of pocket, right, So that's what we came a franchise.
Speaker 3 (09:31):
Franchise is right, But what if we can remove the
doors and windows and make it to where you can
do everything online, do it all from an app.
Speaker 1 (09:38):
Now we're talking visionary talk now, right.
Speaker 3 (09:39):
Right, because I think I'm talking about this before you
got apps, before.
Speaker 1 (09:43):
People talk this, visionary talk, before people.
Speaker 2 (09:45):
Even trust taking pictures of their documents on the sale.
Speaker 1 (09:48):
You're talking visionary talk, right, you know, visionary talk come
with Are you crazy?
Speaker 2 (09:52):
Right?
Speaker 1 (09:52):
What you talking about?
Speaker 2 (09:53):
Yeah?
Speaker 1 (09:53):
Boy?
Speaker 2 (09:54):
Anybody? Aybody documents stuff? I ain't sending my ID on
those the phone. Anybody ain't nobody going ahead? You know
what I mean?
Speaker 1 (10:02):
Everybody just prising no money right exactly right through their phone.
Speaker 3 (10:05):
Nobody's going to trust you, right, Okay, before everybody started
doing it, the sounds crazy.
Speaker 1 (10:09):
Okay, Now let's go to faith.
Speaker 2 (10:10):
Now.
Speaker 1 (10:11):
See this is where faith comes in because because you know,
when you're a visionary, people tear down. So where did
y'all go when they were tearing down, when they was
calling you crazy, when they would call it but still
borrow money for you?
Speaker 3 (10:28):
So you know, it's one of those things where you
got to just start showing people right, and you start
doing it, you know, you know my piece. Okay, the
first year gets a little bitch to get a little traction,
and we were okay with you know, this is one stop,
one stop.
Speaker 1 (10:39):
Taxis went from brick and mortar to virtual. Right, Okay,
let's talk about twenty fifteen. You expanded When did the
virtual aspect? Was that before more covid? Because COVID has
been a landmark of all conversations I've had with small
entrepreneurs or any business, did you do it before covid after?
Speaker 3 (11:00):
So we started in twenty ten wanting to be virtual.
So even when we had the brick and mortar stores,
we always had a virtual component, Okay, right, We always
had people other places singing.
Speaker 2 (11:11):
So it was kind of slowly transitioning to it.
Speaker 3 (11:14):
From twenty ten had the brick and mortar locations, and
then we realized we opened up brick and later locations
and people weren't coming in them. This is when I
realized too, about marketing. Just opening up a store, people
don't just come into a store because you open it.
And so we opened up brick and mortar stores, no
customers came in right, right, And so we was like, that.
Speaker 2 (11:32):
Ain't the way to go, babe. All this costs customers.
It's not it you know what I mean.
Speaker 1 (11:37):
And then our wife that was your clientele, minorities or
so they have that block mentality, you know, first quarter,
don't worry about the rest of the year, you know,
especially so that's a problem too, Right, So you have
to deal with your income being shuttered maybe eight months
out of the year, right right.
Speaker 4 (11:58):
Absolutely, So again, season is a very seasonal business. But
again for us, as we started to grow the franchises
twenty fifteen, we started with a few stores. By the
time we got to twenty nineteen, there were one thousand
franchises in the system. And pre COVID, you know, the
world shuts down and we're already in place. We already
(12:21):
have all these stores that are fined and ready, and
so that just kind of changed the game for us,
and it helped so many families within our ecosystem not
have to have the same struggles as every also experience.
Speaker 1 (12:34):
You were virtual, yes, and the world became virtual, and
the world became zoom. The world became I don't mind
looking at you and talk about my business over a
small over a phone or a monitor. So let's talk
about this because I will be honest with you, Marlvaret
and Serena. I am confused on how virtual works. Okay, okay,
(12:57):
I'm a traditionalist. You know, from a standpoint of when
I used to do taxes, I going office, shit down
or waiting line and come up here, somebody do my TAXI.
Now you're talking about you have one thousand virtual locations.
How does that work?
Speaker 3 (13:11):
So from the very beginning, we wanted to make it
to where people could be at home, right and send
it home on my couch, get my taxes done. And
and if Mr McDonald's my tax person, I can send
him my documents. He can prepare them from the house.
I can sign from my house, and neither one of
us have to go anywhere, right, And so we built
out a platform that does just that. I can take
the pictures on my phone. I can select your name
(13:33):
and an app. The documents are gonna come to you.
You can prepare them right there, send it back for signature.
I can sign it. My files is in my in
my inbox, in the cloud, in the cloud, and neither
one of us is left home. I got my cash
advance in my pocket, my stuff is.
Speaker 4 (13:49):
Done, tax refund deposit.
Speaker 2 (13:52):
No waiting in line, no, but no driving in traffic.
And this is impressive.
Speaker 1 (13:57):
This is impressive because accounting is neither of your background.
Speaker 3 (14:03):
Correct, not really, this is a business degree. I took
some accounting classes, but I was say, it's all good.
Speaker 1 (14:09):
It's all good, you know, you know, look look at people.
Ain't making donuts? Who own the doughnut play pop, ain't
making hamburgers. I don't think my man own chickenil A
making a chicken sandwich. Okay, So we talked about a
business model. Did you guys create it? But from an
advanced standpoint And it's from a standpoint of like they said,
from personal experience, how could I make it easier for
(14:32):
me and then share it through a business model? And
that's why, you know, I have to commend that because
that takes a lot of goods.
Speaker 3 (14:43):
Talk to me, Yeah, it took a lot of goods
to be able to give people something they never heard
of before. Because when you tell a person we own
a virtual tax company, like what is a virtual tax.
Speaker 4 (14:53):
What?
Speaker 2 (14:53):
Yes? Yes, you know what I mean.
Speaker 1 (14:55):
It's like I said, I've heard it all and I'm aware,
kind of aware of it because you know, AI and
apps and stuff like that. But especially when you two
guys would start, you know, they were just you know, hey,
social media was kind of still ramping up.
Speaker 3 (15:12):
Yeah, we started before social media, right, we started, So
we started where which is good though, because we know
billy to belly. These kids they don't know billy to
belly anymore. Right, even in the app world, even in
the AI world, you still got to go talk to people.
You still got to understand some belly to belly billy
relationships with people. And so we can teach people the
old school side of it, and we know all.
Speaker 2 (15:33):
The new school stuff and AI to tech and all
this stuff as world too.
Speaker 3 (15:36):
But in order to make it really successful, you really
got to be able to do all of it.
Speaker 2 (15:41):
And so that's kind of how we hedged our bed.
Speaker 3 (15:43):
We win and show people how the old school way
and the new school way, and then you put it
all into an app and a platform and they just
took off.
Speaker 2 (15:51):
Stay with us.
Speaker 5 (15:52):
More Money Making Conversation Master Class coming up next. Welcome
back to Money Making Conversation Mastered Lass with me Rashaun mcdonaldo.
Speaker 1 (16:05):
I'm speaking to the co founders of the Rowing group
the visionaries behind the one stop the largest black owned
tax preparation service in America with more than one thousand
virtual location These are franchises, Yes, sir, How does one
get involved? How do they contact you?
Speaker 4 (16:20):
So we made the platform the bullhont We originally we
used to come from a network marketing background, you know,
when we were in our twenties. That was one of
the first businesses that we were in. So there were
a lot of things that we loved about that industry.
So when we created the platform, we created it with
that model in mind, and so we don't have any
(16:41):
startup costs to get going and train for free. We
provide all of the tax software put people in the
system because we believe that if you truly take what
we were teaching you, you'll go out and you will
make money and then we can split up on the
back end and you know, it's no problem. And so
that has really been one of the reason since that
we've grown so fast, is that we've lowered that barrier,
(17:03):
that point of entry barrier for most people so that
they can say, hey, if I have a lot of drive,
but I haven't found the things that will work for me,
maybe this is it. And so one Stop Taxes has
been that for a lot of people over the years.
Speaker 1 (17:16):
Well, you know the websites absolutely, one stop taxes dot Com,
One stop taxes dot Com. And when they go to
that screen or go to that website, what what's the process?
Speaker 2 (17:26):
What do they do?
Speaker 1 (17:27):
What do they click?
Speaker 3 (17:28):
It's gonna right in the middle of stage. It's gonna
say build my business online. It's right as soon as
you go in the middle of the page, right, and
you can get clicking on the about if you want
to just get more information. Our direct phone numbers and
everything is on there as well. Our phone numbers are
our Instagram And if you want to just go in
there and just sign up and get started, you can
do that.
Speaker 2 (17:44):
As well too.
Speaker 1 (17:46):
Now, when you started, you're an LLC. Yes, now you're
an S groupes Court. I apologize, that's Court. Why did
you shift?
Speaker 2 (17:54):
Well change?
Speaker 3 (17:55):
Yeah, Well, initially it was just her and nine, so
we didn't have any employees, we didn't have any k ones,
we didn't have anything needed to flow.
Speaker 2 (18:00):
Up to us or anything like that.
Speaker 3 (18:03):
And so as we beget one business, you know, you know,
just two of us entrepreneurs. But as we began to
have all these other entities, Black Tax, Fitts, Marti Garard
and Memphis, the restaurants, multiple restaurant groups, and so.
Speaker 2 (18:14):
Then we have to start having Kate Launagar.
Speaker 3 (18:19):
We had all these entuities that we have, and so
the Kate we needed something where all this could flow
back up, and we had to change the whole structure.
And so there's all types of tax advantages when you
when you switch to escort.
Speaker 2 (18:29):
But well it was just us too.
Speaker 3 (18:30):
You know, all we know is just LLC in the beginning, right,
and so a lot of people, most people, let me
give me a business. LLC is better than nothing, right,
But as the business grew, we had to also again
we had to change with it.
Speaker 1 (18:42):
So how does one market a virtual tax company virtually?
Speaker 4 (18:48):
And so we teach people how to one tap into
their warm market, because we believe that, again, your customer
base should start out at least a little bit warm,
familiar people that want to support your business. So we
teach them how to approach that warm market. But then
we start teaching them how to go out and align
strategically with other people that can send you more customers.
If you're in the tax industry, you have a lot
(19:09):
of different industries that can funnel and feed into that
customer base, and you can also help those customers or
those businesses as well with your customer base. And so
we teach people how to go strike up partnerships with
a dealership, a car dealership, or daycare or an apartment
complex and different places where people often come at a
(19:31):
certain time of year and say, hey, I need a
lump sum of money. I need to be able to
have a down payment for a car or moving expenses.
And now we have a resource to be able to
get that to them.
Speaker 1 (19:41):
So is there an onboarding process to get a virtual
one stop tax location.
Speaker 3 (19:47):
So we built in this platform a whole learning management system,
so you actually go through all the different steps from
how to prepare taxes, how to get customers, what do
you do?
Speaker 2 (19:57):
How do you work the system?
Speaker 3 (19:58):
So yeah, once you go through this complete training, then
it's all online at your own pace. Then we go
ahead to issue you out all the email addresses and
give you out access to the software and we kind
of finish your your onboarding process once you complete the training.
Speaker 1 (20:11):
Let's go to something big. Like I said, we're not
gonna talk about the MARTIROO. That's the first time I
heard Martiro, but Black Tax vestib how many years?
Speaker 4 (20:21):
So this is our tenth annual event.
Speaker 1 (20:24):
Okay, why it is started? And why was their need
for the Black Tax Festival which is in Atlanta, Georgia correction, right?
Speaker 3 (20:31):
And so we started it because we all of our
stores are virtual for the most part, and so a
lot of them, you know, they would sign up virtually
all across the country. We never met them before, and
so it was so we needed something to bring everybody
together or we can be able to meet. We can
we can put our arms around and we can give
them recognition for what they've done, and we get to.
Speaker 2 (20:49):
Hear their stories.
Speaker 3 (20:50):
And I'm telling you, well, you hear some of these
stories of where these people were when they heard about
this business and what has happened in their life because
of it. I mean, it just melt you down. I mean,
it is an amazing thing. And so once we started
doing that, it just became important for us to do
it every year and it just kept getting bigger. But
now people push and work hard because they want the
recognition in black techs oience, right, you know, people don't
(21:12):
get recognition on their jobs at home.
Speaker 1 (21:14):
A lot of time now with the words recognition, how
are you recognizing people?
Speaker 2 (21:18):
So there's a whole award show that we do.
Speaker 1 (21:20):
Okay, so it's a Black Tax Festival and there's an
award show, yes, sir. How many days it's the festival?
Speaker 4 (21:29):
So it's October sixteenth through the eighteenth this year, and
so two days is all conference content. We have the
irs coming out to give updates. We have so many
different speakers coming to share business opportunities, to share their
secret sauce on how they've been able to grow and
scale their businesses. And so we curate this room so
that it can be a resource to everyone that attends,
(21:51):
whether you're in the tax industry or not. If you're
just an entrepreneur, this is a great room for you
to be in to just soak in the knowledge, network
with people on a high level, and hopefully leave with
better than we found you. And so that's always our
goal at Black tas.
Speaker 1 (22:04):
Okay, So because now I'm trying to shape because you
said a magical word, you don't want to have to
be involved with taxes to attend, Yes, sir, Okay, how
do you get around with that messaging? Because it feels
like if I'm looking for a tax person. I'm looking
for entrepreneurship, I'm looking for a bank law. I'm looking
for anybody that can help me at scale. Those are
type people that are going to be at the Black
(22:26):
Tax Person. I'm not assuming that, but I think that's
the purpose.
Speaker 3 (22:28):
Correct, absolutely, And so yeah, we definitely want to attract
all those types of people. And like we're bringing out
our bankers from Chase to be able to talk to
people about actually, how do you kind of banking you
need because one of the problems with us and it
just pays me so much, but we aren't. We are
left out of the rooms because we don't have the
proper paperwork, we don't have the proper financials, right, So
(22:49):
we're underserved, we're under insured. And so we're going to
bring out people within these different alliances so we can
start kind of helping bridge some of this wealth gap.
So that's a big part of Black Tax Fast because
as tax professionals, we're the ones that help bridge the gap.
Why because we're the ones do the tax returns. Favorite
So if you want a house, who you got to
call your tax guys right right, And so us as
(23:10):
tax professionals that we're giving the right information to all
of our clients nationwide, we can start moving the envelope
a little bit. And so that's why we bring all.
Speaker 1 (23:19):
So Triton Awards, Right Tight Awards, Tight tightan Awards. That's
when you're celebrating the success of the Virtual tax, one
stop tax on us. Right, they come in. What does
that opening day look like? Walkway through each day of
the Black Tax Festival.
Speaker 4 (23:38):
On Thursday, we'll start with, as.
Speaker 1 (23:40):
You said, the sixteenth through the eighteen.
Speaker 4 (23:41):
That's right, the sixteenth through the eighteenth. On Thursday, we'll
start with what we call Breakfast with Bosses. It's a
networking breakfast with some of the amazing business leaders that
we've been able to meet here in the Atlanta area.
Will have you know, a day filled with general sessions
and breakout sessions.
Speaker 1 (24:01):
I apologize what location, where is it? Where the hotels
is downtown? Where is it that episodes? It's a epicenter,
epicenter that's in River, Riverside, Riverside percent Okay, I apologize
for not bringing that up. Riverside air per Center and Riverside.
Speaker 4 (24:16):
And then on so Thursday and Friday is full of
content like that, activations, things that people can can go
to breakout sessions, get workshops in how.
Speaker 2 (24:25):
To use AI and business these types of things.
Speaker 3 (24:27):
So to your point of just all types of different
business owners, Like we talkt we go through how do
you really use AI in your business? How do you
regardless of the industry, Like how do you take it
and help you scale your business? Like how are you
using SEO to become an expert in your market? Right
to come to the top of Google searches? And so
it's a lot of things. How you use in business funding?
What kind of bank accounts that you have? Business financials? Like,
(24:49):
how do you really go get business credit as an
entrepreneur Because there's a lot of things floating around of
what business credit looks like, which is we access to funding,
which all of our business owners need, But what do
you really need?
Speaker 2 (25:00):
Right? Right? Do we know what a personal financial statement is?
Speaker 3 (25:03):
You know, the tax returns is needed parked, the law
statements that you gotta have. Like once we start teaching
us really what's needed to go into these banks and
go be bankable, I think we start moving the needle.
So that's what we kind of do those first two days.
Last day we bring it off with the gala and
we have a little fun. We're gonna bring Rick Ross
is gonna be our keynote that day. Q Parker is
gonna come in.
Speaker 2 (25:26):
You gotta come in and do some.
Speaker 3 (25:27):
QQ did our wedding for us, one of my good
one of my good buddies. And he's gonna come you know,
bless us, you know, with some music, good good people.
Speaker 1 (25:36):
QU Parker, you know me, I know him well yeah yeah,
So I gotta call that surprising definite.
Speaker 3 (25:42):
And so the last day is the awards. We get
recognition to all types of people.
Speaker 1 (25:46):
You know, how many categories are there, how many awards
are distributed and one are the types categories.
Speaker 4 (25:51):
Eight categories of the tax tight and awards, so everything
from top revenue stream to marketing Guru and everything in between.
So we like to recognize people for different facets, a
community award, a tech guru board. So we like to
recognize people that are doing different things because there are
so many people that are doing amazing things in the
(26:12):
tax industry, right.
Speaker 3 (26:13):
We know.
Speaker 1 (26:13):
The thing I like about interviewing people who are have
a visionary approach to what you guys are doing is
that you're scaling outside the original plan. You're also into
real estate, you're also into a restaurants. Why right, Well,
you know it looks like you're doing good.
Speaker 3 (26:31):
Why when you get missed by My wife said, why
you wanna give me something else? But you know, it's
kind of a sense of to a responsibility to. And
you know, once we got to a certain I.
Speaker 1 (26:42):
Know, Steve Over said jumping, you jumped already, keep you up.
Speaker 3 (26:47):
And so after the text business got to a place
like we felt like it was time that where we
could start beginning to diversify, right, And then so we
started looking at different restaurants because we you know, we
love to travel, we love to you know, service people
provide great experiences with people. And so we bought the
fat tuesdays that they went off really really well tatoos
you were, So we bought one and we took it
(27:07):
to Memphis, Tennessee. But we we purchased the last franchise
before they stopped franchising. Okay, So we bought the rights
to the Tennessee market. Shortly after that, two chains in
his group and Snoop started franchising.
Speaker 1 (27:20):
Yeah yeah, you bringing up so many names that note okay, okay, okay, okay,
and so.
Speaker 3 (27:28):
Yeah, snoop and two chains started franchising Esco so boom.
We bought one of those, and then we took that
to Memphis as well too, and so again just kind
of going back there, giving back to our hometown. Even
though we live in Atlanta now, we still go back
there and we get back.
Speaker 1 (27:42):
Well, the beauty of going back to a community, a
customer service or business they don't normally have, knowing your
market share, being a big fish in a small pond.
Speaker 2 (27:54):
All those things.
Speaker 1 (27:56):
Marketing is cheaper cheapers believe that was playing it right?
Oh yeah, right right, because the yeah I know right
across the street is like the hotels right across the street,
and you're going, really all this is what you're paying.
And FedEx's right, there were a constant floor of traffic
(28:17):
and you're right there Atlanta. You'll be five times oh yeah,
absolutely absolutely, and let alone trying to advertise, let alone
insurance and all that good stuff. So with that being said,
what is the future for your brand?
Speaker 4 (28:29):
Oh goodness, so many things coming down the pipeline. We
have a few restaurants over in the Dominican Republic and
so we love being We didn't.
Speaker 1 (28:43):
Just gonna slide that in there. Why would that? Let
me see? So on the cord, I heard about the
Martigorol festival. Now she's gonna throw out the Dominican Republic
a restaurant. Okay, keep talking, he said, if you may
be longer than I expected. I thought i'd be at
the ind of course, that's you're going Domesic Republic. I
can't keep it, sure, but that's a beautiful thing.
Speaker 4 (29:04):
Oh but yeah, we we have some restaurants over there,
and we bought a yacht over there to be able
to rent out for experiences to people as well. And
so you know, as we look at the next few years,
you know, we're trying to convince the kids. Now, hey,
you know, what do you guys think about going and
hanging over at the beach for a little while for
a few years. But you know, who knows, who knows?
(29:27):
You're always moving on.
Speaker 1 (29:28):
I've been I've been doing money Made Conversation match classes.
Twenty seventeen. First black couple that ever came on my
show said the word yacht and just blew right past
it like they've said like, because they've said it a lot.
They've said it. Mall Bra and Sharena have said the
word yacht so much. They just like saying pento b
(29:50):
pent over to them. Okay, continue with your story, keep
yapread over there and make me feel smaller. I'm just
gonna shrink. I'm gonna be tattooed.
Speaker 2 (29:58):
By the time. So now we're the place where we
really want to drill down into the restaurant. Absolutely scale.
Speaker 3 (30:04):
And so as we scale, we want to kind of
dig into because their first restaurant, Esco Restaurant, it maan
it we did a million dollars the first six weeks, congratulations,
And so like when you have that, and what's that menu?
Speaker 2 (30:17):
What is that menu? So it's I mean it's stripping grids,
fishing grids. It's it's lamb.
Speaker 3 (30:21):
Chops, lost turkey ribs, our specialty turkey ribs, and so yeah,
so it's all of the you know, you all type
of cool food there. You know, steaks, lots of tails,
you know everything, orsus Rockefeller, you know the drinks everything.
Oh yeah, I love it. Then we got the best
and so gumbo everything there. And so now I want
(30:42):
to be able to see how do we take these restaurants.
What's what new concepts can we get. We're gonna finish
developing all the restaurants in front of the fed ex Form,
so we'll own that entire strip.
Speaker 2 (30:51):
There of restaurants.
Speaker 1 (30:52):
Congratulations fed ex Form.
Speaker 3 (30:54):
There's three three total restaurants that we're going to open
there in the next twelve months. So this given people
something downtown to and then keep expanding all of our
other and keep it safe.
Speaker 1 (31:04):
Keep security a number one priority.
Speaker 4 (31:06):
Absolutely, Souse.
Speaker 1 (31:08):
That's the key. When you get success, you skimp on
the most important things security because once the area gets
bad from a bad reputation, like the Linux maw here
and Atlanta almost closed because of security issues with people
doing silly stuff around it, people feeling they was unsafe
to go in that shopping are Beautiful mall almost shut
(31:29):
down because they had to up to security. Now people
are comfortable going in there. Traffic is popping back up
because that's because that's the you know, you guys have
a first of all, y'all, I don't throw the word
visionary out as a joke. I met that when I
said when I saw it early on in the conversation affair,
when I was talking to Sara about you know, the
(31:50):
vision to be able to master a business, and that
wasn't your educational background, which means you had to educate
yourself to be able to be successful business. And that's
why I've said there's no there's no apologies to say
that you don't have an accounting back on your business man.
You're a business woman and y'all very successful. What y'all
do you know? The word chef behind your name or
(32:12):
in front of your name, and y'all great restaurant tiers.
Speaker 2 (32:15):
So are you a chef?
Speaker 1 (32:17):
And that's that's what life is. But you're business people. Tillman,
you know he's.
Speaker 2 (32:24):
Not a chef.
Speaker 1 (32:25):
Okay, every time you go on one of this restaurant,
that food tastes cool. If he put a restaurant, your
boy going in or till the.
Speaker 2 (32:32):
Restaurant tell you going in.
Speaker 1 (32:35):
He does not mess around with his food and.
Speaker 2 (32:38):
He gives you a total. I study him a lot too.
He gives a.
Speaker 1 (32:42):
He's also owns the Houston Rockets. Just get a little background,
one of the biggest restaurant owners in the country. Correct, yes, sir,
on part of the Wind Hotel. To go to The
Nugget in Las Vegas. He based in Houston, Texas. One
of the biggest donors donors for the University of Houston.
But more importantly, you have eaten in his restaurant, I sweat.
Speaker 3 (33:03):
One of the things he says is always have eggs,
And it's like, no matter what people you know, no
matter what time of day, it is like, always get
people what they want.
Speaker 2 (33:12):
Right.
Speaker 3 (33:12):
If you've got eggs in your restaurant, regardless of what
time of day is, sell to people eggs. So I
kind of take that same. You know, it's about hospitality,
like always saying yes to the customers. So I spent
a lot of time studying people like that and taking
some of those inspirations and putting.
Speaker 2 (33:27):
Them into into our models as much as I can.
Speaker 4 (33:30):
So we don't have a lot of mentors in the
spaces that we're in, so we have to go out
and we have to read, we have to you know,
do personal development to make sure that we're feeding ourselves.
Is we're pouring out into the groups and pouring into
the staff and things like that. So it's always important
for us to be awesome.
Speaker 1 (33:46):
Interview here a lot of sound bite if we're gonna
drop on social media, because people need to hear two individuals,
a couple, a loving couple. You know, think differently, but
think together and to to accomplish something in various platforms,
various length before we go one stop taxes, How we
reach out on that, how we reach out for one
(34:07):
stop taxes.
Speaker 4 (34:08):
Start your own virtual franchise with one stop taxes at
one Stop Taxes dot com. You can give us a
call at eight by five two one two eight nine
eighty three if you have any questions. We have a
great team there to answer anything. Yet.
Speaker 1 (34:20):
Black Tax Festival, Yes, visit us.
Speaker 4 (34:23):
At Black tax Fest dot com to grab a ticket
October sixteenth through eighteenth at the Riverside Epicenter. We look
forward to having you guys there. Meet us, don't meet us?
Speaker 1 (34:32):
Okay? Do y'all have a platform where one can go
and see all your restaurants?
Speaker 4 (34:37):
Is that? That is a great question that's coming up next.
Speaker 1 (34:39):
I got okay because the ring group. I'm just telling
you that's where it has to be. So I'm being
dominic and I can go eat that make it. I
go here because that's what you're doing, you know. So
I didn't. I didn't say that question to stomp you
because you spend down so much information, so much information.
I just knew that was gonna come out third. But
again that's that's something you guys are going to see
you growing. Congratulations and thank you for a lot of
(35:00):
have a great honist conversation and you know, talk about
your business and realize that hey man, hard work, planning.
Speaker 2 (35:09):
And love and.
Speaker 1 (35:10):
Faith just right, you can get you there.
Speaker 2 (35:12):
Well, we thank you for having us. It's been awesome.
Speaker 1 (35:14):
Thank you, Thank you for coming on Money Making Conversations Masterclass.
Speaker 2 (35:17):
Awesome. Thank you so much that pleasure.
Speaker 5 (35:19):
This has been Money Making Conversations Masterclass with me Rashaun McDonald.
Thanks to our guests and our audience. Visit Moneymaking Conversations
dot com to listen or register to be a guest
on my show. Keep leading with your gifts, keep winning,
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Thomas "Nephew Tommy" Miles
Carla Ferrell
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