Business By The Bay

Business By The Bay

San Francisco Bay Area has given the world some of the greatest business success stories. Business By The Bay is established to share the wisdom and experience of the business leaders. The purpose is to talk about challenges and possible solutions that will help business owners to get better. The show is sponsored by Payroll Vault. Payroll Vault is a boutique-style local payroll service provider for small businesses. Payroll Vault fully handles the payroll tasks and take over complex payroll activity from the business owners so that they can focus on what they do the best – running their companies.

Episodes

June 28, 2026 29 mins

Workplace issues rarely start as lawsuits. More often, they start as small communication gaps, unclear expectations, missing documentation, or conversations that never happened.

In this episode of Business by the Bay, host Ajay Saini sits down with Robert Nuddleman, an experienced California employment attorney, to discuss what business owners, employers, families, and employees need to understand about workplace relationships, empl...

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Strong communication is one of the most valuable skills in business. Whether you are speaking with clients, leading a team, pitching investors, presenting on camera, or walking into a high-stakes meeting, the way you communicate can directly impact your credibility, confidence, and results.

In this episode of Business by the Bay, host Ajay Saini sits down with Clarisse Saam, a speaking and presence coach with a lifelong background i...

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Finding the right people is one of the biggest challenges business owners face today. Hiring is expensive, talent is hard to find, retention is difficult, and many growing companies struggle to build the team they need without overextending their budget.

In this episode of Business by the Bay, host Ajay Saini sits down with Mike Birdsall, entrepreneur, advisor, and business builder with DOXA Talent, to discuss how companies can scal...

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Money is something we all deal with every single day. Yet almost no one is ever taught how to manage it.

In this episode of Business by the Bay, Ajay sits down with money coach Crystal Rigley Janis for a refreshingly honest conversation about why so many people, regardless of income, feel overwhelmed, stressed, and stuck when it comes to money. What makes this conversation powerful is how real it gets.

Crystal shares her jo...

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In this episode of Business by the Bay, Ajay speaks with leadership coach Thomas Rosenberg about how business owners and executives can improve performance by focusing on the human side of leadership.

With over 25 years of experience, Thomas explains why most business challenges are not just operational, they are rooted in mindset, communication, and behavior. He shares how leaders can identify blind spots, build trust within teams,...

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Kim described a challenge that many small business owners quietly struggle with, operational chaos. While most businesses focus on growth strategies, marketing, and sales, the reality is that many of the real bottlenecks exist behind the scenes. Missing processes, lack of documentation, and inconsistent workflows often lead to missed details, communication breakdowns, and a constant cycle of “putting out fires.”

Kim shar...

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In this episode, Joe Popper of Popper Tech Team, who is known as the “OG IT and AI guy.” shares what business owners must understand about technology, cybersecurity, and AI before it’s too late.

From real-world stories of $100K cyber fraud incidents to practical insights on hyper-automation, Joe breaks down how businesses can dramatically improve efficiency while staying protected in an increasingly risky digital l...

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Choosing the right care for aging parents is one of the most emotional, and often overwhelming decisions families face. Yet many families wait until a crisis forces the conversation.

In this episode of Business by the Bay, host Ajay Saini sits down with senior living expert Wes Whittemore, who brings over 17 years of experience in senior living operations, sales, and leadership.

Having been raised by his grandparents, Wes brings a de...

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Most business owners don’t have a tax problem. They have a tax planning problem.

In this episode of Business by the Bay on KDOW radio 1220 AM, Ajay sits down with Emily Tsai, CPA and Founder of Meridian Tax Advisors, to discuss why so many entrepreneurs and high earners are overpaying in taxes, and don’t even realize it.

After rising to Senior Manager at a Top 10 national accounting firm, Emily saw a troubling pattern:

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John Maybury, a New Zealand–based communication coach and former radio broadcaster who now helps small business owners in New Zealand and the U.S. speak with clarity, confidence, and impact.

John shares his deeply personal journey from growing up around entertainers and dreaming of a career in broadcasting, to developing a severe stutter at age 11 that shook his confidence. Through years of theater, voice training, and persist...

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In this episode, Ajay Saini speaks with Scott Carley, a leadership consultant, speaker, and author of Can I Trust You? Scott spoke about trust, leadership, and personal transformation in business and life. Scott shares his unconventional journey from formal training in theology and decades as a pastor and church growth consultant, to a major personal failure that shattered trust and forced him to rebuild his life, relatio...

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Khivi Care is a six-bed residential care home in Livermore, California, built on compassion, dignity, and a deep sense of community. Sharan Kaur shares her personal journey from a diverse career spanning tech, healthcare, banking, and startups to finding purpose in senior care, a decision driven by her desire to create meaningful, people-centered work. 

Sharan discusses the emotional, physical, and practical challenges seniors ...

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Andriana Mendez, Certified Senior Advisor and co-founder of Custom Moving Solutions shares her entrepreneurial journey from corporate marketing and grocery retail into building a family-owned moving and senior move-management company founded in 2017. The business evolved from residential moving into a specialized focus on seniors and adult children navigating downsizing, relocations, and crisis-driven transitions, emphasizing compa...

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Lilit shares her journey from growing up in Armenia during its independence movement to immigrating to the U.S., pursuing foreign service, and then navigating careers in Oracle, pharma, and entrepreneurship, all of which taught her that change is constant and success depends on readiness. As co-founder of Realatable, she helps long-established small businesses identify operational gaps, regain alignment, and avoid piling disjointed...

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April Mora shared her remarkable journey, from launching a financial literacy mission in 2007 to help individuals and business owners understand money, to shifting toward health and wellness after witnessing aging family members struggle with chronic wounds and limited continuity of care. She explained how Wound Menders MD addresses a growing but underserved problem; millions of seniors nationwide suffer from chronic wounds, yet ma...

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Despite a successful career in tech and healthcare, it was Brian's own family’s difficult experiences with inconsistent caregiving that ultimately redirected him toward home care. This personal connection fuels his mission today: to raise the standards of reliability, caregiver training, and compassion for families who need support the most.

Brian explained that families typically reach out when they are overwhelmed or burned ...

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Melissa shares her 25+ years in recruiting and business development. She describes how ZRG Partners (a global talent advisory with a deep interim/fractional bench) steps in when stakes are high, say IPO prep, leadership turnover, audits/compliance, transaction readiness, and rapid scale. She touched upon uncertainty in the market, the cost of a wrong hire, and why speed, precision and culture fit matter. Typical process is to ...

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October 12, 2025 29 mins

Fractional COO Guy Beretta, explains how small businesses can stop firefighting and scale with structure.The COO guy shares a practical playbook; start with your P&L, clarify the owner’s vision, run dual SWOTs (owner and business), and set a weekly 90-minute execution rhythm. We cover picking the right fractional leader, common franchise/real-estate ops pitfalls, and why fundamentals beat AI hype. Walk away with steps to ...

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Breanna shares her inspiring journey from receptionist to founder of a multi-state HR consulting firm. She discusses the most common HR challenges small businesses face; compliance gaps, employee-relations issues, and why clear expectations and professional guidance are essential. Breanna explains how her personalized, people-first approach combines technology with genuine human connection. She also offers practical advice for...

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Eric is a former videographer who turned his creative eye toward marketing and went on to found Solid House Marketing. Today, he works as a fractional CMO for small businesses, helping them scale by building the foundations that make marketing truly work - optimized websites, CRM and lead capture systems, data tracking, SEO, aligned channel strategies, and a clear sales process. His approach blends AI automations with authentic sto...

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