October 14, 2025 • 34 mins
Welcome back to Market It with ATMA! 👋 In this essential episode, host Atma is joined by Dolly Chevalier, Founder of Mission Complete and a seasoned financial professional with over 20 years of leadership experience, including 25 years as an Army veteran. Dolly shares her powerful journey from the military to the finance industry, driven by a passion to educate people on financial independence and ensure families are protected.
🚨 Are your finances truly taken care of? Dolly reveals common financial blind spots for both individuals and business owners, emphasizing that a tailored approach is key to securing your future. She explains how being an independent financial professional allows her to custom-design strategies from over 150 different companies—unlike working with a single bank.
In this must-watch interview, you will learn:
Why traditional life insurance assumptions are wrong (and the crucial role of living benefits).
Wealth protection strategies tailored for different ages—from young people building wealth to older adults protecting assets from long-term healthcare costs.
Critical questions every small business owner must ask about tax-free accounts and business continuity.
How to potentially set up an account to avoid college loans for your children.
Dolly’s successful marketing strategy built on trust and word-of-mouth referrals.
Ready to Elevate Your Business Marketing?
Market It with ATMA is dedicated to bringing you the tips, tools, and strategies for business success.
🤔 Is your business ready to grow? Book a strategy session with Atma and refine your process, methodology, and market approach: https://adventtrinity.com/consultation/
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www.adventtrinity.com
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
SPEAKER_02 (00:16):
Welcome back to Market It With Atma, where we
share the tips, tools, andstrategies to help your business
be successful.
Today I'm joined by Dolly.
Dolly is the founder of MissionComplete, and she is a financial
professional with over 20 yearsof leadership experience.
Welcome, Dolly.
Thank you so much for having metoday.
(00:37):
I'm so excited.
I'm excited to have you on theshow.
Now, can you tell our listenersa little bit about you?
What inspired you to start thisbusiness and what has driven you
and led you on this path in yourin your background and in your
history?
SPEAKER_01 (00:53):
So I just want to start by saying that I am a
financial professional.
So what I do is I educate peopleon being financially
independent.
So I market for over 150different companies.
So they include companies likeNationwide and Trans America.
Have you ever heard of thosecompanies?
Absolutely.
I think we all have right.
Yes, we're great.
(01:14):
So what started me in theindustry is I had family members
that passed away and they didnot have life insurance.
So what happened was we had toget together and basically bury
them.
So that kind of started me withlooking into some um just
understanding that they didn'thave their finances in line, in
(01:37):
order.
So that was one of the reasons.
Another reason was I was intothe stock market and I had lost
some money.
And um understand that I lostmoney before because the market,
as we know, is always up anddown.
Of course.
So losing money in the earlyyears was no big deal because I
felt that it would rebound.
So, you know, I was fine withthat.
(01:59):
Well, as I got older, you know,losing money didn't feel as
well.
You know, so I needed to protectthe money that I had and worked
so hard for.
So with that, I needed to finddifferent strategies to protect
the money that I had.
So based on those reasons and anumber of other ones is what got
me into the financial umindustry.
SPEAKER_02 (02:19):
Wow.
And not only are you anexperienced financial leader,
but you're also a veteran.
Is that correct?
SPEAKER_01 (02:26):
I am a veteran.
I am a veteran.
So I did 25 years in the army.
So the transition between movingfrom the army and then going
into my own business was verysmooth.
So what I did was I just movedmy leadership skills that I
learned in the military andmoved it on front to the
(02:46):
business.
And what I mean by that is justintegrity that I learned in the
military.
I mean the affectedcommunication that I learned in
the military.
I was able to use in my businesstoday, as well as meeting people
where they're at and helpingthem grow is what I also use
today in the business that Ihave as well.
SPEAKER_02 (03:08):
Wow.
Would you say that the militaryreally helped your consistency
and your structure in yourbusiness?
It helped you transition easierbecause you already had that
structure created to yourprocess, your methodology of how
you approach people and how youhelp them.
Oh, definitely.
Yeah.
SPEAKER_01 (03:27):
Definitely.
It it gave me, it just gave me abetter understanding of people.
And so that, I mean,understanding finance, everyone
does not on the same um level.
So going into this business, Iunderstood because of the
military that you meeteverybody.
You meet people from alldifferent walks of life.
So going into this business,that's definitely what I have
(03:48):
met.
I've met all uh differentpeople.
So I was able to help everybodythat I met in different walks of
life grow.
SPEAKER_02 (03:56):
Absolutely.
It seems like you're sopassionate about helping people
too.
SPEAKER_01 (04:00):
Wow, I am in this business to educate people.
That is the reason I'm there andto help people.
It is so many people out there,families, that need the services
that I offer.
SPEAKER_02 (04:12):
And they don't even know it, maybe sometimes.
That's incredible.
So I'm glad we're having you onthe podcast today.
So you mentioned um MissionComplete has been operating for
a little while now with your ownbusiness, but you bring over 20
years of leadership experienceto the table.
How has your leadershipbackground influenced the way
you run your business?
(04:32):
We kind of just talked aboutthat with the military, but does
it change it, you feel?
Did you change how you approachhelping people in the financial
industry versus people that werenot in the military?
Do you think?
SPEAKER_01 (04:46):
For me, um, the approach is the same.
SPEAKER_02 (04:49):
Really?
SPEAKER_01 (04:50):
The approach is the same.
Again, I have I joined themilitary very young.
I joined at 18.
So that is all I know.
That is all I know isleadership.
I I joined at 18 and that thatthat they taught me.
So I grew up in the military, soto say.
So I have been taught leadershipfrom day one.
(05:12):
So again, um, teaching um and megoing into the finance, and
that's what I'm doing.
I'm educating.
I am teaching people, and I'mhelping people grow their
finances.
I'm helping them build legacy,I'm helping them build wealth.
And if they have that already,I'm helping them protect the
wealth that they already have.
SPEAKER_02 (05:33):
That's a good point.
Protecting what you already haveis it can be very the primary,
most important thing in yourlife, especially at a certain
age, right?
So you've already achieved amajor financial milestone and
received a medal for it.
Can you tell us more about that?
SPEAKER_01 (05:50):
Yeah, so in July, I received a medal for receiving a
financial milestone within thefinancial group that I have
partnered with.
So I'm I'm let's just say thatI'm very proud that I received
that financial milestone.
But what's even better is that Iwas able to um contribute to the
(06:12):
um financial group that I'm apart of.
They actually helped already.
We're just in September.
They have been able to help twomillion families already this
year.
Oh my goodness.
And I was able to be a part ofthat.
So that's amazing to me.
SPEAKER_02 (06:28):
It is, that's an achievement in itself.
It is something to be very proudof.
So your audience spans bothyoung and older, building
wealth, holding on to wealth.
Um, so how do you tailor yourapproach to meet the unique
needs of each and every person?
SPEAKER_01 (06:45):
So, giving an example, so let's just say my
young audience.
So with a young audience,they're looking to build.
So if I'm looking for if I havea young client, because they're
looking to build, so mystrategies is to help you build.
My strategy, geez, is to helpyou save.
(07:07):
My strategies is to help you notlose.
We're building.
SPEAKER_02 (07:11):
Okay.
Okay.
SPEAKER_01 (07:12):
That's what we're doing.
We're I'm helping you build.
I'm helping you build legacies.
Uh-uh.
This is what I'm helping you do.
Now, if you're older, let's justsay 65 or something, okay.
You don't want to lose at thispoint.
What I'm doing, I'm trying tohelp you protect.
And and I'm trying to help you.
In some cases, you might say,Well, Dolly, I want you to
(07:34):
protect, but I also want you tocontinue to help me grow what I
have.
SPEAKER_00 (07:37):
Absolutely.
SPEAKER_01 (07:38):
So in some cases, I want to help you protect, uh,
and I want you to grow.
But then at some time you say,Well, Dolly, I want you to help
me grow, protect.
And at some time, well, maybethat's not what I'm looking for.
What I want you to do is, in acouple years, I want, I want
this income.
I want, you know, I want to beable to draw from this every
(08:00):
month.
And so that's the strategy thatwe're gonna use.
So it really depends on what youcome to me and tell me that
you're looking to do um movingforward.
And and based on what you'relooking to do is how I I move
forward.
SPEAKER_02 (08:14):
Yeah, and structure that conversation.
SPEAKER_01 (08:17):
Exactly.
And that's the reason I marketfor so many different companies.
I'm not like a chase or fidelitythat only sells their, or not
sales, only provides servicesfor their particular company.
I market for so many companies,and that's the beauty of it.
So if you're looking for incomefor the money that you have
(08:39):
saved, so guess what?
I could I have a company, Icould, that's not the right
word.
A company that help that couldhelp you provide income if
that's what you're looking forfor the rest of your life, or
protection, or whatever that youmight be looking for.
SPEAKER_02 (08:54):
Wow.
So you really have the abilityto research all of the different
companies and really customizesomething for each and every
person.
SPEAKER_01 (09:01):
Exactly.
SPEAKER_02 (09:02):
That's incredible.
And a lot of people don't knowyou have that capability, do
they?
SPEAKER_01 (09:06):
They do not.
And again, I offer somethingthat a lot of people need, a lot
of services that people trulyneed.
And that is the reason that I amin this business.
SPEAKER_02 (09:18):
That's wonderful.
So, what would you say is yourmost successful marketing
yourself channel?
Would it be um actual digitaladvertising?
Would it be in-person meetingswith having those intimate
conversations, or would it benetworking?
What would you say was your bestmarketing tactic in your
industry?
SPEAKER_01 (09:38):
So, right now, the best marketing channel I have
going for me right now is familyin word of mouth.
So I have tapped into startingwith family because um they was
close to me and I knew theyneeded me.
I knew they needed me.
From your own experience.
From my own experience.
So I started with them.
(09:59):
So I started with my family, Istarted with my friends, and I
started with a contact list.
So that's where I started at.
I started with going to them andthey was close, so I knew they
needed me.
And from there, the word ofmouth started.
So they knew I helped them, andthe list starts going on.
(10:20):
And once I was able to helpthem, I was able to help their
friends and then their friends.
So the word of mouth is how Igot started.
So that was my main channel,okay, marketing channel.
SPEAKER_02 (10:33):
I mean, word of mouth referrals are always the
best, right?
SPEAKER_01 (10:36):
I totally agree.
SPEAKER_02 (10:38):
So as you've grown in your business, um, what as a
business owner would you say isthat still your your primary
source of your new clientscoming in, or has your strategy
changed a little bit from whenyou started?
What is your best marketing toolright now?
SPEAKER_01 (10:54):
So right now, word of mouth is still my um best.
SPEAKER_02 (10:58):
Okay.
And asking for those referrals.
Yes.
Awesome.
That's amazing.
So you emphasize that all yourservices are free.
You've told me this before.
How does that model build trustand open the door to deeper
relationships with your clients?
SPEAKER_01 (11:14):
Well, I always explain to people because
sometimes people are saying it'sfree.
You know, and you know, peoplelike, whoa, it's free.
Well, I say to people, asalways, it only takes 10-15
minutes to sit down and talk tome.
That's it.
10 15 minutes and sit down andtalk to me.
(11:34):
It costs nothing.
10 to 15 minutes, all myservices is free.
But you sit down and talk to me,and again, I market it for all
these different companies.
SPEAKER_02 (11:43):
Mm-hmm.
Mm-hmm.
And so when when they have thoseconversations with you, they're
they're intentful, right?
So if they're coming to you,then they have some kind of
financial thought process,right?
And for me, when I first came toto understand exactly what you
do, I didn't realize how manythings I needed to take care of
(12:04):
before I turned 40, right?
And I appreciate that, but doyou run into that situation a
lot with your clients, your newclients, is they think they're
one place and they're reallynot.
SPEAKER_01 (12:18):
I say to you that it's interesting that can I give
you an example?
Absolutely.
Example is um just asking the abasic question.
A basic question can be is um ifyou pass a god forbid, if you
pass away tomorrow.
(12:39):
Um will your family have to goto probate?
Ooh.
SPEAKER_02 (12:46):
Some people don't even know what probate is.
unknown (12:49):
Okay.
SPEAKER_02 (12:50):
And that opens that door, does it not?
SPEAKER_01 (12:52):
It opens the door.
SPEAKER_02 (12:54):
And and you know, I would really value what you do
and how you it's kind of likethe build launch grow scale
methodology that we use here atAtma.
Each business owner that'ssuccessful has their own
process.
And it seems like you start withthat introductory call or
meeting, right, to see wherethey're at and and sh kind of
give them some guidance on wherethey should be.
Is that is that appropriate?
(13:15):
Exactly.
And how often do thoseconversations lead to really
helping a family or a personwith their entire financial
journey?
SPEAKER_01 (13:24):
You would be amazed at just that simple question.
That that was really simple.
And like you say, that somepeople haven't thought about it,
or some people don't know whatit is, or some people feel that
well, they're married, that theyassume that oh, it's taken care
(13:44):
of.
But that's that's not the case.
And so asking a couple questionsand they start thinking, and
then they realize that theyfinance is not truly taken care
of.
SPEAKER_02 (13:58):
And you're truly like their liaison, right?
SPEAKER_01 (14:00):
Exactly.
SPEAKER_02 (14:01):
Okay, so you're walking them through it using
the different services that youhave available to you to really
guide them in the rightdirection, is that correct?
SPEAKER_01 (14:08):
Exactly.
SPEAKER_02 (14:09):
Wow.
It is putting a little stress onme to really reevaluate mine as
well.
So um, what are you mostfocusing on right now in this in
this financial climate?
What are you seeing is thebiggest need right now?
SPEAKER_01 (14:25):
So one of the things um one of the things we're
talking about right now, um, I'mgonna say I'm gonna focus on is
long-term health.
Okay.
And the reason I say that islong-term health is not going
down.
Right.
And people are living longer.
SPEAKER_02 (14:42):
They are.
The life expectancy is longer,isn't it?
It's longer.
SPEAKER_01 (14:47):
So, and I say this um this because a lot of times
is it's not a matter of if we'regonna get sick when we get
older.
It is when we're gonna get sick,you know.
That part so um I saw um on aretirement um news um um they
have a magazine and it says 70%of people over the age of 65
(15:13):
will have uh critical illnessover the age of 60.
SPEAKER_02 (15:17):
70 percent.
70 percent.
That's incredible.
SPEAKER_01 (15:20):
And you fear a lot of people are living past the
age of 75.
SPEAKER_02 (15:24):
Yes.
SPEAKER_01 (15:25):
So with that, um, keep that in mind.
Now, who's gonna pay for that?
And some some of them do have,most people do have medical
insurance.
But the problem with that isit's not gonna pay 100%.
And some people think that,okay, I have the PPO and it's
gonna pay.
Well, it will pay, but it willnot pay 100% of it.
(15:47):
So what does that mean?
That means that most of them aregonna have to use the hard-owned
money that they have saved up topay the difference.
Absolutely.
Now that's a problem.
They're they're gonna go throughall the money or they're gonna
use some of the money.
Well, guess what?
It is strategies out there thathelp to pay for your health
(16:10):
care, your long-term health ifneeded.
SPEAKER_02 (16:13):
So if you're not exposed to that information, you
could go without and be in areally bad position long term.
So you're saying that they'rethey're over 65, there are
options for them to be able tocover those additional costs
that they don't technicallyreally advertise very much, but
you're able to kind of sourcethose for them.
SPEAKER_01 (16:34):
I am.
And that's something we canspeak about.
And it's best to, you know, usesome of the strategies earlier
than later.
But of course you can do it, youknow.
Earlier it costs less.
You can do it later.
The options are still there, butof course it will cost a little
more.
But the strategy is still therebecause you never know.
SPEAKER_02 (16:57):
Yeah, the earlier the better to have the at least
the conversation, right?
SPEAKER_01 (17:00):
To have the conversation, but also limit
benefits, you know.
Um you never know.
Let's just say, you know, age18.
You never know.
You might get sick at 18, youmight have an accident that you
know it called accident for areason.
Yes.
And um, because you haven't beenon earth as long, you have not
(17:22):
saved up the money as if youwere 65.
So you don't have the money,that cushion.
And so what do you do now?
SPEAKER_02 (17:32):
What do you do?
SPEAKER_01 (17:32):
What do you do now?
SPEAKER_02 (17:33):
How do you help people in that situation?
SPEAKER_01 (17:35):
Again, we have strategies.
We have strategies and somepolicies that can help you with
living benefits that can protectyou if, God forbid, you have an
accident and you leave if livingbenefits that you need it.
Just briefly, if I can.
(17:57):
Absolutely.
Just if we could talk about umlife insurance for a minute.
I um most people think that lifeinsurance only pays out after
death.
That is not true.
That is my assumption, yes.
Okay.
There are policies out therethat pays out income if you have
(18:20):
a critical illness.
There are investments as part ofthe insurance, no risk of
losing.
There are policies that havetax-free withdrawals.
And in some cases, you can getyour premium, premium recovered.
(18:42):
People don't understand that.
Their first assumption is okay,as soon as you see life
insurance, oh well, that's onlywhen I die.
Well, that's not the case.
Live and benefits, long-termcare, it's a number of things
that God forbid, if needed, isthere to help your family, not
(19:06):
only you, right, but to helpyour family take care of you.
SPEAKER_02 (19:10):
And and the importance of that I I would
feel would be astronomical,right?
Correct.
So when it comes to, I'm gonnashift a little bit to that
point, but in terms of being abusiness owner, what do they
need to be looking out for thatyou're seeing um either some
don't have or some probably needto have to really help them with
their business and with theirstaff?
SPEAKER_01 (19:32):
So I would say one of the being a business owner is
I have a couple questions.
SPEAKER_02 (19:41):
Okay, I love that you asked me the question.
SPEAKER_01 (19:44):
A business owner.
SPEAKER_02 (19:45):
Or any business owner out there.
Any business owner.
Okay, okay.
SPEAKER_01 (19:48):
If you were again, God forbid, if you was to pass
away, let's just say tomorrow,do you have account in place
that is tax-free?
SPEAKER_02 (20:08):
Why is that important?
SPEAKER_01 (20:10):
Why is that important?
Why is that important?
If you was to pass away tomorrowand you was your family and it's
not tax free.
SPEAKER_02 (20:23):
Okay.
SPEAKER_01 (20:24):
So Uncle Sam is gonna take a portion of that.
Wow.
So your family is getting howmuch from that?
SPEAKER_02 (20:33):
Not not not the full percentage that they are
entitled to, right?
SPEAKER_01 (20:38):
Okay.
SPEAKER_02 (20:39):
Wow.
SPEAKER_01 (20:40):
So that could be important.
SPEAKER_02 (20:42):
Okay, okay.
What are what's anotherimportant um for a business
owner?
SPEAKER_01 (20:47):
So just just a question for a business uh
business owner.
Do you have accounts in placejust for day, not saying if you
pass away, that can help youlower your taxable income?
SPEAKER_02 (21:01):
Oh wow.
I didn't even know these wereoptions.
So these are good for people toask themselves in this climate
and this day.
These are very important thingsthat you need as a business
owner.
SPEAKER_01 (21:12):
As a business owner.
SPEAKER_02 (21:13):
Not only protect you, but your business as a
whole and your family, correct?
SPEAKER_01 (21:18):
And as a business owner, right, like myself, this
is questions I had to ask myselfprior to going into the
business.
And I can't be a business owner.
I can't sit here and talk to youabout finances without making
sure that my finances is inorder.
SPEAKER_02 (21:35):
And that's exactly why I wanted you on the show
because you truly lead byexample, it seems like.
You in every aspect of it as afinancial leader, as a business
owner, you put yourself in thesituation that your clients are
in.
Is that correct?
Exactly.
And that is I haven't found thatbefore.
So I feel like you offering thatfree consultation to even
(21:56):
communicate with you and haveyour experience reflected in in
the advice you give them isvery, very important as an
individual and uh and a smallbusiness, right?
It's very important.
SPEAKER_01 (22:10):
I will also um a question is uh do you have a
business owner account?
You know, like a retirementaccount?
What does that entail?
I don't.
It's like a 401k.
Do you have something?
I mean, or if you were to getsick today, you know, uh again,
um if you get sick today, do youhave something in place that uh
(22:37):
the business will continue torun?
Or will you continue to getincome?
Wow.
Is it something in place thatyou will continue to get income?
With the with the businesscontinue to run.
SPEAKER_02 (22:52):
Right, because your business running, I mean, that
inevitably helps your familytake care of you if there is a
crisis, right?
SPEAKER_01 (22:59):
Exactly.
So these are questions that whenI sit down and and speak to
business owners, these arequestions that we ask, or this
is a question could be for abusiness owner, or could just be
if I was just speaking just to aparent.
I'm are you a parent?
I am.
(23:19):
Okay, so a question I couldpossibly ask is do you have an
account that would avoid yourkids from taking out a college
loan?
SPEAKER_02 (23:31):
That is a great question.
I don't have that.
And I just had one turn 18.
I'm paying for college, right?
But I'm not, I I don't have anaccount like you just mentioned.
And why is that so important asa parent?
SPEAKER_01 (23:44):
Well, we know we know that college is so
expensive.
And unfortunately, it's likehealthcare doesn't seem like
college is going down.
And I know because I have a sonthat's at UNT right now in
Denton.
SPEAKER_02 (24:02):
Congratulations.
SPEAKER_01 (24:03):
Well, thank you.
Well, um he's going because Iretired.
You know, again, I retired umfrom the military, so he's going
with the GI Bill.
So understand that um he's goingon the GI bill, but I'm still,
you know, had to pay something.
SPEAKER_02 (24:23):
Wow, even on a GI bill, 20 years of service,
you're still having a lot.
SPEAKER_01 (24:29):
Very little.
I'm not gonna get on here andsay that I'm paying a lot.
Right.
I'm paying very little, youknow, his tuition, everything.
Uh uh, I'm paying very little.
So I can't say I'm paying a lot,but you know, it's still very
little.
But I um would say to you that Iwish I would have known about
some of the strategies.
You know, way I I did know.
(24:50):
You know, I heard before aboutlike the um the 501.
You know, I heard aboutdifferent policies, but I never
heard about some of the otherstrategies that we could have
been using that was tax-free.
SPEAKER_02 (25:05):
Wow.
It's almost like they keep it asecret.
They keep it away.
Why is that?
SPEAKER_01 (25:10):
What you don't know, you don't know.
SPEAKER_02 (25:12):
That is very true.
It unless you educate yourself,right?
SPEAKER_01 (25:15):
Unless and and that is the reason I'm in the
business of educating.
Educating.
You really are and that's thereason I say my services is
free.
It doesn't cost anything toeducate someone.
So I'm here to educate you thatwe have strategies to help you
put money away to ensure thatyour key when your kid turns 18,
(25:38):
that your kid is not your kidsare not taking out student loans
to go to college.
SPEAKER_02 (25:44):
Which is harder to do now, right?
And so you really need to havethat structure in place, if
anything, to teach your ownchildren how how to structure
their lives going forward.
(26:08):
Would you say?
SPEAKER_01 (26:09):
I would say that we are in uncertain times right
now.
Absolutely.
Everything is um we we justdon't know.
You know, health care.
I mean, everything is going up.
Um, health care, you know, likeyou said, college, everything is
going up.
And the only thing we can do isjust ensure we're doing our
(26:30):
part, we're educating everyoneon it um what we can do with
protecting ourselves and helpgrow the access that we have,
growing our wealth and justagain protecting what we have
and growing what we have.
I love that.
To me, that is that is the mostimportant.
SPEAKER_02 (26:48):
And it's really um selfless of you.
I mean, you could retire, youyou know that things are taken
care of and you've alignedthings correctly, but for you to
go out and really want to spreadthe message is is something that
I think is very admirable of youand and anyone in this financial
landscape trying to help people,it's it's something we need
right now.
(27:08):
We need you guys to be realthought leaders because I I
don't know about you, but I'veworked in the banking industry
in the past and financialadvisors that work for banks
aren't able to give you theoptions that you have access to.
Is that what did you say true?
SPEAKER_01 (27:24):
Again, I totally agree because if you work for
Chase, Chase is gonna give youthe services that Chase offers.
Absolutely.
That's the only that's the onlyservices that Chase is gonna
give you.
If you work for whatever bankthat you work for, that is the
services they're gonna offeryou.
But if you contact me, I'm gonnagive you what services that's
(27:48):
gonna be best for you.
So if you're looking forwhatever service that you're
looking for that we talk aboutthat is best, it might not, it
might be Chase or it might notbe Chase.
It might be a Fidelity, it mightbe a nationwide, it might be a
global Atlantic, it might not beat one, you know, company that
(28:10):
you thought it was.
I don't work for Chase.
I don't work for you're notrestricted.
I am independent.
So I I do not work for onecompany.
I don't work for any of thesecompanies.
So I can tell you, we can lookover these different companies,
and I can go through and say,well, this is the company that's
offering the best for yourmoney, and from there we can go
(28:34):
through the process.
So I am not as anyone's desk,and they're I'm not on their
payroll, and they are not sayingyou have to, you know, sell this
product, although this is notthe product for that individual
person.
So I am not, you know, buying tosell you a product that is not
(28:55):
the best for you because I workfor this company.
Because I'm independent, we cansit down and figure out what's
best for you, and from there wecan move forward.
SPEAKER_02 (29:05):
Man, as a small business owner or even
entrepreneur that's trying toreally get their business up and
going or keep it consistent,that's almost a weight lifted, I
would say, at the end of theday.
Just knowing you have somebodyresearching these different
areas and really presenting youwith the best value for them is
something I I feel everybusiness owner and every
individual should be doing ifthey really want to have that
(29:28):
financial security, would yousay?
SPEAKER_01 (29:30):
Oh, I totally agree because you know, I always feel
that way when I um started offwith um fidelity, you know.
You know, having a fidelityaccount, you you call in and
they say, okay, you you know ifyou notice now, if you call in,
they do fidelity and they giveyou a couple different choices,
(29:53):
you know, and you have to do it.
You kind of put in the bubble.
Yes, you know, they one, two,three, and you go and you do
your Homework or one, two,three.
So those are the choices theygive you.
And you're like, okay, well, I'mgonna figure out a one, two,
three.
Well, that's not what I'm gonnagive you.
I'm gonna give you more than aone, two, three, and I'm gonna
give you a one, two, three, andit could be one, two, three
(30:15):
different companies.
It's not just not a one, two,three within the same company.
I can give you a one, two, threewithin different companies.
And again, let's tailor this tofit your needs.
Let's tater this to fit yourfamily needs.
It's not what's best for thecompany.
Let's tater this to fit what'sbest for you and your family.
SPEAKER_02 (30:36):
I asked you before the podcast started, kind of
what were you focusing on rightnow and and helping people and
what tools were you using tohelp them?
And after speaking with you, itis very true.
When you gave me your answer,I'm not focused on any one
thing.
You you're really customizingeach and every conversation you
have to accommodate each andevery person.
And that is a huge undertakingthat you somehow enjoy doing.
(31:00):
And I appreciate that.
So I I would like to ask onequestion.
I ask it to all of my guests atthe end of the podcast.
What is one thing you wish youknew in starting your business
that you know now that you wouldkind of give advice to a new
business owner?
What's one thing you wish youhad learned in hindsight?
SPEAKER_01 (31:21):
So I would say going into this business.
Starting off, can I start withsaying that if you decide to go
into this business, go into itwith the mindset of helping and
(31:42):
educating people.
Now, don't get me wrong.
I know that this is a businessand I know that everyone wants
to make money.
Of course, right?
It's a business.
Everyone has to eat.
But there is so many people outthere that need our services.
So go into it with the mindsetof helping people.
(32:07):
The money will come.
Ah.
The money will come when you gointo it with the right mindset.
SPEAKER_02 (32:14):
That is great advice.
Something I probably need toremember in everything I do,
right?
But thank you for that.
So if any of our listeners orany anyone you know that may be
listening would like to meetwith you just to get that free
consultation to see wherethey're at, at least, how can
they reach you?
Dolly Chevalier.
(32:35):
Okay, spell that last name forme.
SPEAKER_01 (32:37):
C-H-E V A L I E R.
My number is 972-215-9970.
Again, 972-215-9970.
(32:59):
Do you also post the number?
SPEAKER_02 (33:01):
Yes, I will.
SPEAKER_01 (33:01):
Okay, that's great.
SPEAKER_02 (33:02):
We'll we'll post it at the in the bottom of the
description of your podcasttoday.
So everybody has a chance toreach out.
And they can also reach you, seeyou on some different social
media platforms.
SPEAKER_01 (33:13):
Oh, definitely.
SPEAKER_02 (33:14):
Okay, great.
I'll let you update everybody onwhere they can follow you.
Because giving those tips, thetools, and strategies on social
media, I think, is imperativefor some people.
SPEAKER_01 (33:22):
Okay, yes.
Um, wow, it it's been amazing.
Again, I just want to thank youfor having me today.
Um anything financial.
I just want to, you know, endwith that.
Absolutely.
And again, all my services arefree.
Um, and I wish I would haveknown what I know today in my
(33:46):
20s.
I wish I would have known.
You you know, I did know, but Iknow today.
And I'm willing to share withyou what I know today.
I'm willing to educate you withwhat I know today for free.
SPEAKER_02 (34:00):
And it's really seems like you want to hold the
hand of each and every personyou work with and really walk
them through it.
SPEAKER_01 (34:05):
You have me for life.
SPEAKER_02 (34:08):
I like that.
SPEAKER_01 (34:10):
Me for life.
SPEAKER_02 (34:11):
I love that.
I hope your son is also able togo into your industry so you
guys can carry it on.
Thank you so much for joining usand educating us in your
business journey.
And to all of our listeners outthere, please reach out to
Dolly.
Get get a mindset of where youare now, at least, and where you
should be going.
And for any of our otherlisteners that are interested in
(34:33):
coming on the podcast or meetingwith us in person, feel free to
click the link at the bottom ofthis page, and we will see you
again next time on Market Itwith Atma.
Welcome back to Market It With Atma, where we
share the tips, tools, andstrategies to help your business
be successful.
Today I'm joined by Dolly.
Dolly is the founder of MissionComplete, and she is a financial
professional with over 20 yearsof leadership experience.
Welcome, Dolly.
Thank you so much for having metoday.
(00:37):
I'm so excited.
I'm excited to have you on theshow.
Now, can you tell our listenersa little bit about you?
What inspired you to start thisbusiness and what has driven you
and led you on this path in yourin your background and in your
history?
SPEAKER_01 (00:53):
So I just want to start by saying that I am a
financial professional.
So what I do is I educate peopleon being financially
independent.
So I market for over 150different companies.
So they include companies likeNationwide and Trans America.
Have you ever heard of thosecompanies?
Absolutely.
I think we all have right.
Yes, we're great.
(01:14):
So what started me in theindustry is I had family members
that passed away and they didnot have life insurance.
So what happened was we had toget together and basically bury
them.
So that kind of started me withlooking into some um just
understanding that they didn'thave their finances in line, in
(01:37):
order.
So that was one of the reasons.
Another reason was I was intothe stock market and I had lost
some money.
And um understand that I lostmoney before because the market,
as we know, is always up anddown.
Of course.
So losing money in the earlyyears was no big deal because I
felt that it would rebound.
So, you know, I was fine withthat.
(01:59):
Well, as I got older, you know,losing money didn't feel as
well.
You know, so I needed to protectthe money that I had and worked
so hard for.
So with that, I needed to finddifferent strategies to protect
the money that I had.
So based on those reasons and anumber of other ones is what got
me into the financial umindustry.
SPEAKER_02 (02:19):
Wow.
And not only are you anexperienced financial leader,
but you're also a veteran.
Is that correct?
SPEAKER_01 (02:26):
I am a veteran.
I am a veteran.
So I did 25 years in the army.
So the transition between movingfrom the army and then going
into my own business was verysmooth.
So what I did was I just movedmy leadership skills that I
learned in the military andmoved it on front to the
(02:46):
business.
And what I mean by that is justintegrity that I learned in the
military.
I mean the affectedcommunication that I learned in
the military.
I was able to use in my businesstoday, as well as meeting people
where they're at and helpingthem grow is what I also use
today in the business that Ihave as well.
SPEAKER_02 (03:08):
Wow.
Would you say that the militaryreally helped your consistency
and your structure in yourbusiness?
It helped you transition easierbecause you already had that
structure created to yourprocess, your methodology of how
you approach people and how youhelp them.
Oh, definitely.
Yeah.
SPEAKER_01 (03:27):
Definitely.
It it gave me, it just gave me abetter understanding of people.
And so that, I mean,understanding finance, everyone
does not on the same um level.
So going into this business, Iunderstood because of the
military that you meeteverybody.
You meet people from alldifferent walks of life.
So going into this business,that's definitely what I have
(03:48):
met.
I've met all uh differentpeople.
So I was able to help everybodythat I met in different walks of
life grow.
SPEAKER_02 (03:56):
Absolutely.
It seems like you're sopassionate about helping people
too.
SPEAKER_01 (04:00):
Wow, I am in this business to educate people.
That is the reason I'm there andto help people.
It is so many people out there,families, that need the services
that I offer.
SPEAKER_02 (04:12):
And they don't even know it, maybe sometimes.
That's incredible.
So I'm glad we're having you onthe podcast today.
So you mentioned um MissionComplete has been operating for
a little while now with your ownbusiness, but you bring over 20
years of leadership experienceto the table.
How has your leadershipbackground influenced the way
you run your business?
(04:32):
We kind of just talked aboutthat with the military, but does
it change it, you feel?
Did you change how you approachhelping people in the financial
industry versus people that werenot in the military?
Do you think?
SPEAKER_01 (04:46):
For me, um, the approach is the same.
SPEAKER_02 (04:49):
Really?
SPEAKER_01 (04:50):
The approach is the same.
Again, I have I joined themilitary very young.
I joined at 18.
So that is all I know.
That is all I know isleadership.
I I joined at 18 and that thatthat they taught me.
So I grew up in the military, soto say.
So I have been taught leadershipfrom day one.
(05:12):
So again, um, teaching um and megoing into the finance, and
that's what I'm doing.
I'm educating.
I am teaching people, and I'mhelping people grow their
finances.
I'm helping them build legacy,I'm helping them build wealth.
And if they have that already,I'm helping them protect the
wealth that they already have.
SPEAKER_02 (05:33):
That's a good point.
Protecting what you already haveis it can be very the primary,
most important thing in yourlife, especially at a certain
age, right?
So you've already achieved amajor financial milestone and
received a medal for it.
Can you tell us more about that?
SPEAKER_01 (05:50):
Yeah, so in July, I received a medal for receiving a
financial milestone within thefinancial group that I have
partnered with.
So I'm I'm let's just say thatI'm very proud that I received
that financial milestone.
But what's even better is that Iwas able to um contribute to the
(06:12):
um financial group that I'm apart of.
They actually helped already.
We're just in September.
They have been able to help twomillion families already this
year.
Oh my goodness.
And I was able to be a part ofthat.
So that's amazing to me.
SPEAKER_02 (06:28):
It is, that's an achievement in itself.
It is something to be very proudof.
So your audience spans bothyoung and older, building
wealth, holding on to wealth.
Um, so how do you tailor yourapproach to meet the unique
needs of each and every person?
SPEAKER_01 (06:45):
So, giving an example, so let's just say my
young audience.
So with a young audience,they're looking to build.
So if I'm looking for if I havea young client, because they're
looking to build, so mystrategies is to help you build.
My strategy, geez, is to helpyou save.
(07:07):
My strategies is to help you notlose.
We're building.
SPEAKER_02 (07:11):
Okay.
Okay.
SPEAKER_01 (07:12):
That's what we're doing.
We're I'm helping you build.
I'm helping you build legacies.
Uh-uh.
This is what I'm helping you do.
Now, if you're older, let's justsay 65 or something, okay.
You don't want to lose at thispoint.
What I'm doing, I'm trying tohelp you protect.
And and I'm trying to help you.
In some cases, you might say,Well, Dolly, I want you to
(07:34):
protect, but I also want you tocontinue to help me grow what I
have.
SPEAKER_00 (07:37):
Absolutely.
SPEAKER_01 (07:38):
So in some cases, I want to help you protect, uh,
and I want you to grow.
But then at some time you say,Well, Dolly, I want you to help
me grow, protect.
And at some time, well, maybethat's not what I'm looking for.
What I want you to do is, in acouple years, I want, I want
this income.
I want, you know, I want to beable to draw from this every
(08:00):
month.
And so that's the strategy thatwe're gonna use.
So it really depends on what youcome to me and tell me that
you're looking to do um movingforward.
And and based on what you'relooking to do is how I I move
forward.
SPEAKER_02 (08:14):
Yeah, and structure that conversation.
SPEAKER_01 (08:17):
Exactly.
And that's the reason I marketfor so many different companies.
I'm not like a chase or fidelitythat only sells their, or not
sales, only provides servicesfor their particular company.
I market for so many companies,and that's the beauty of it.
So if you're looking for incomefor the money that you have
(08:39):
saved, so guess what?
I could I have a company, Icould, that's not the right
word.
A company that help that couldhelp you provide income if
that's what you're looking forfor the rest of your life, or
protection, or whatever that youmight be looking for.
SPEAKER_02 (08:54):
Wow.
So you really have the abilityto research all of the different
companies and really customizesomething for each and every
person.
SPEAKER_01 (09:01):
Exactly.
SPEAKER_02 (09:02):
That's incredible.
And a lot of people don't knowyou have that capability, do
they?
SPEAKER_01 (09:06):
They do not.
And again, I offer somethingthat a lot of people need, a lot
of services that people trulyneed.
And that is the reason that I amin this business.
SPEAKER_02 (09:18):
That's wonderful.
So, what would you say is yourmost successful marketing
yourself channel?
Would it be um actual digitaladvertising?
Would it be in-person meetingswith having those intimate
conversations, or would it benetworking?
What would you say was your bestmarketing tactic in your
industry?
SPEAKER_01 (09:38):
So, right now, the best marketing channel I have
going for me right now is familyin word of mouth.
So I have tapped into startingwith family because um they was
close to me and I knew theyneeded me.
I knew they needed me.
From your own experience.
From my own experience.
So I started with them.
(09:59):
So I started with my family, Istarted with my friends, and I
started with a contact list.
So that's where I started at.
I started with going to them andthey was close, so I knew they
needed me.
And from there, the word ofmouth started.
So they knew I helped them, andthe list starts going on.
(10:20):
And once I was able to helpthem, I was able to help their
friends and then their friends.
So the word of mouth is how Igot started.
So that was my main channel,okay, marketing channel.
SPEAKER_02 (10:33):
I mean, word of mouth referrals are always the
best, right?
SPEAKER_01 (10:36):
I totally agree.
SPEAKER_02 (10:38):
So as you've grown in your business, um, what as a
business owner would you say isthat still your your primary
source of your new clientscoming in, or has your strategy
changed a little bit from whenyou started?
What is your best marketing toolright now?
SPEAKER_01 (10:54):
So right now, word of mouth is still my um best.
SPEAKER_02 (10:58):
Okay.
And asking for those referrals.
Yes.
Awesome.
That's amazing.
So you emphasize that all yourservices are free.
You've told me this before.
How does that model build trustand open the door to deeper
relationships with your clients?
SPEAKER_01 (11:14):
Well, I always explain to people because
sometimes people are saying it'sfree.
You know, and you know, peoplelike, whoa, it's free.
Well, I say to people, asalways, it only takes 10-15
minutes to sit down and talk tome.
That's it.
10 15 minutes and sit down andtalk to me.
(11:34):
It costs nothing.
10 to 15 minutes, all myservices is free.
But you sit down and talk to me,and again, I market it for all
these different companies.
SPEAKER_02 (11:43):
Mm-hmm.
Mm-hmm.
And so when when they have thoseconversations with you, they're
they're intentful, right?
So if they're coming to you,then they have some kind of
financial thought process,right?
And for me, when I first came toto understand exactly what you
do, I didn't realize how manythings I needed to take care of
(12:04):
before I turned 40, right?
And I appreciate that, but doyou run into that situation a
lot with your clients, your newclients, is they think they're
one place and they're reallynot.
SPEAKER_01 (12:18):
I say to you that it's interesting that can I give
you an example?
Absolutely.
Example is um just asking the abasic question.
A basic question can be is um ifyou pass a god forbid, if you
pass away tomorrow.
(12:39):
Um will your family have to goto probate?
Ooh.
SPEAKER_02 (12:46):
Some people don't even know what probate is.
unknown (12:49):
Okay.
SPEAKER_02 (12:50):
And that opens that door, does it not?
SPEAKER_01 (12:52):
It opens the door.
SPEAKER_02 (12:54):
And and you know, I would really value what you do
and how you it's kind of likethe build launch grow scale
methodology that we use here atAtma.
Each business owner that'ssuccessful has their own
process.
And it seems like you start withthat introductory call or
meeting, right, to see wherethey're at and and sh kind of
give them some guidance on wherethey should be.
Is that is that appropriate?
(13:15):
Exactly.
And how often do thoseconversations lead to really
helping a family or a personwith their entire financial
journey?
SPEAKER_01 (13:24):
You would be amazed at just that simple question.
That that was really simple.
And like you say, that somepeople haven't thought about it,
or some people don't know whatit is, or some people feel that
well, they're married, that theyassume that oh, it's taken care
(13:44):
of.
But that's that's not the case.
And so asking a couple questionsand they start thinking, and
then they realize that theyfinance is not truly taken care
of.
SPEAKER_02 (13:58):
And you're truly like their liaison, right?
SPEAKER_01 (14:00):
Exactly.
SPEAKER_02 (14:01):
Okay, so you're walking them through it using
the different services that youhave available to you to really
guide them in the rightdirection, is that correct?
SPEAKER_01 (14:08):
Exactly.
SPEAKER_02 (14:09):
Wow.
It is putting a little stress onme to really reevaluate mine as
well.
So um, what are you mostfocusing on right now in this in
this financial climate?
What are you seeing is thebiggest need right now?
SPEAKER_01 (14:25):
So one of the things um one of the things we're
talking about right now, um, I'mgonna say I'm gonna focus on is
long-term health.
Okay.
And the reason I say that islong-term health is not going
down.
Right.
And people are living longer.
SPEAKER_02 (14:42):
They are.
The life expectancy is longer,isn't it?
It's longer.
SPEAKER_01 (14:47):
So, and I say this um this because a lot of times
is it's not a matter of if we'regonna get sick when we get
older.
It is when we're gonna get sick,you know.
That part so um I saw um on aretirement um news um um they
have a magazine and it says 70%of people over the age of 65
(15:13):
will have uh critical illnessover the age of 60.
SPEAKER_02 (15:17):
70 percent.
70 percent.
That's incredible.
SPEAKER_01 (15:20):
And you fear a lot of people are living past the
age of 75.
SPEAKER_02 (15:24):
Yes.
SPEAKER_01 (15:25):
So with that, um, keep that in mind.
Now, who's gonna pay for that?
And some some of them do have,most people do have medical
insurance.
But the problem with that isit's not gonna pay 100%.
And some people think that,okay, I have the PPO and it's
gonna pay.
Well, it will pay, but it willnot pay 100% of it.
(15:47):
So what does that mean?
That means that most of them aregonna have to use the hard-owned
money that they have saved up topay the difference.
Absolutely.
Now that's a problem.
They're they're gonna go throughall the money or they're gonna
use some of the money.
Well, guess what?
It is strategies out there thathelp to pay for your health
(16:10):
care, your long-term health ifneeded.
SPEAKER_02 (16:13):
So if you're not exposed to that information, you
could go without and be in areally bad position long term.
So you're saying that they'rethey're over 65, there are
options for them to be able tocover those additional costs
that they don't technicallyreally advertise very much, but
you're able to kind of sourcethose for them.
SPEAKER_01 (16:34):
I am.
And that's something we canspeak about.
And it's best to, you know, usesome of the strategies earlier
than later.
But of course you can do it, youknow.
Earlier it costs less.
You can do it later.
The options are still there, butof course it will cost a little
more.
But the strategy is still therebecause you never know.
SPEAKER_02 (16:57):
Yeah, the earlier the better to have the at least
the conversation, right?
SPEAKER_01 (17:00):
To have the conversation, but also limit
benefits, you know.
Um you never know.
Let's just say, you know, age18.
You never know.
You might get sick at 18, youmight have an accident that you
know it called accident for areason.
Yes.
And um, because you haven't beenon earth as long, you have not
(17:22):
saved up the money as if youwere 65.
So you don't have the money,that cushion.
And so what do you do now?
SPEAKER_02 (17:32):
What do you do?
SPEAKER_01 (17:32):
What do you do now?
SPEAKER_02 (17:33):
How do you help people in that situation?
SPEAKER_01 (17:35):
Again, we have strategies.
We have strategies and somepolicies that can help you with
living benefits that can protectyou if, God forbid, you have an
accident and you leave if livingbenefits that you need it.
Just briefly, if I can.
(17:57):
Absolutely.
Just if we could talk about umlife insurance for a minute.
I um most people think that lifeinsurance only pays out after
death.
That is not true.
That is my assumption, yes.
Okay.
There are policies out therethat pays out income if you have
(18:20):
a critical illness.
There are investments as part ofthe insurance, no risk of
losing.
There are policies that havetax-free withdrawals.
And in some cases, you can getyour premium, premium recovered.
(18:42):
People don't understand that.
Their first assumption is okay,as soon as you see life
insurance, oh well, that's onlywhen I die.
Well, that's not the case.
Live and benefits, long-termcare, it's a number of things
that God forbid, if needed, isthere to help your family, not
(19:06):
only you, right, but to helpyour family take care of you.
SPEAKER_02 (19:10):
And and the importance of that I I would
feel would be astronomical,right?
Correct.
So when it comes to, I'm gonnashift a little bit to that
point, but in terms of being abusiness owner, what do they
need to be looking out for thatyou're seeing um either some
don't have or some probably needto have to really help them with
their business and with theirstaff?
SPEAKER_01 (19:32):
So I would say one of the being a business owner is
I have a couple questions.
SPEAKER_02 (19:41):
Okay, I love that you asked me the question.
SPEAKER_01 (19:44):
A business owner.
SPEAKER_02 (19:45):
Or any business owner out there.
Any business owner.
Okay, okay.
SPEAKER_01 (19:48):
If you were again, God forbid, if you was to pass
away, let's just say tomorrow,do you have account in place
that is tax-free?
SPEAKER_02 (20:08):
Why is that important?
SPEAKER_01 (20:10):
Why is that important?
Why is that important?
If you was to pass away tomorrowand you was your family and it's
not tax free.
SPEAKER_02 (20:23):
Okay.
SPEAKER_01 (20:24):
So Uncle Sam is gonna take a portion of that.
Wow.
So your family is getting howmuch from that?
SPEAKER_02 (20:33):
Not not not the full percentage that they are
entitled to, right?
SPEAKER_01 (20:38):
Okay.
SPEAKER_02 (20:39):
Wow.
SPEAKER_01 (20:40):
So that could be important.
SPEAKER_02 (20:42):
Okay, okay.
What are what's anotherimportant um for a business
owner?
SPEAKER_01 (20:47):
So just just a question for a business uh
business owner.
Do you have accounts in placejust for day, not saying if you
pass away, that can help youlower your taxable income?
SPEAKER_02 (21:01):
Oh wow.
I didn't even know these wereoptions.
So these are good for people toask themselves in this climate
and this day.
These are very important thingsthat you need as a business
owner.
SPEAKER_01 (21:12):
As a business owner.
SPEAKER_02 (21:13):
Not only protect you, but your business as a
whole and your family, correct?
SPEAKER_01 (21:18):
And as a business owner, right, like myself, this
is questions I had to ask myselfprior to going into the
business.
And I can't be a business owner.
I can't sit here and talk to youabout finances without making
sure that my finances is inorder.
SPEAKER_02 (21:35):
And that's exactly why I wanted you on the show
because you truly lead byexample, it seems like.
You in every aspect of it as afinancial leader, as a business
owner, you put yourself in thesituation that your clients are
in.
Is that correct?
Exactly.
And that is I haven't found thatbefore.
So I feel like you offering thatfree consultation to even
(21:56):
communicate with you and haveyour experience reflected in in
the advice you give them isvery, very important as an
individual and uh and a smallbusiness, right?
It's very important.
SPEAKER_01 (22:10):
I will also um a question is uh do you have a
business owner account?
You know, like a retirementaccount?
What does that entail?
I don't.
It's like a 401k.
Do you have something?
I mean, or if you were to getsick today, you know, uh again,
um if you get sick today, do youhave something in place that uh
(22:37):
the business will continue torun?
Or will you continue to getincome?
Wow.
Is it something in place thatyou will continue to get income?
With the with the businesscontinue to run.
SPEAKER_02 (22:52):
Right, because your business running, I mean, that
inevitably helps your familytake care of you if there is a
crisis, right?
SPEAKER_01 (22:59):
Exactly.
So these are questions that whenI sit down and and speak to
business owners, these arequestions that we ask, or this
is a question could be for abusiness owner, or could just be
if I was just speaking just to aparent.
I'm are you a parent?
I am.
(23:19):
Okay, so a question I couldpossibly ask is do you have an
account that would avoid yourkids from taking out a college
loan?
SPEAKER_02 (23:31):
That is a great question.
I don't have that.
And I just had one turn 18.
I'm paying for college, right?
But I'm not, I I don't have anaccount like you just mentioned.
And why is that so important asa parent?
SPEAKER_01 (23:44):
Well, we know we know that college is so
expensive.
And unfortunately, it's likehealthcare doesn't seem like
college is going down.
And I know because I have a sonthat's at UNT right now in
Denton.
SPEAKER_02 (24:02):
Congratulations.
SPEAKER_01 (24:03):
Well, thank you.
Well, um he's going because Iretired.
You know, again, I retired umfrom the military, so he's going
with the GI Bill.
So understand that um he's goingon the GI bill, but I'm still,
you know, had to pay something.
SPEAKER_02 (24:23):
Wow, even on a GI bill, 20 years of service,
you're still having a lot.
SPEAKER_01 (24:29):
Very little.
I'm not gonna get on here andsay that I'm paying a lot.
Right.
I'm paying very little, youknow, his tuition, everything.
Uh uh, I'm paying very little.
So I can't say I'm paying a lot,but you know, it's still very
little.
But I um would say to you that Iwish I would have known about
some of the strategies.
You know, way I I did know.
(24:50):
You know, I heard before aboutlike the um the 501.
You know, I heard aboutdifferent policies, but I never
heard about some of the otherstrategies that we could have
been using that was tax-free.
SPEAKER_02 (25:05):
Wow.
It's almost like they keep it asecret.
They keep it away.
Why is that?
SPEAKER_01 (25:10):
What you don't know, you don't know.
SPEAKER_02 (25:12):
That is very true.
It unless you educate yourself,right?
SPEAKER_01 (25:15):
Unless and and that is the reason I'm in the
business of educating.
Educating.
You really are and that's thereason I say my services is
free.
It doesn't cost anything toeducate someone.
So I'm here to educate you thatwe have strategies to help you
put money away to ensure thatyour key when your kid turns 18,
(25:38):
that your kid is not your kidsare not taking out student loans
to go to college.
SPEAKER_02 (25:44):
Which is harder to do now, right?
And so you really need to havethat structure in place, if
anything, to teach your ownchildren how how to structure
their lives going forward.
(26:08):
Would you say?
SPEAKER_01 (26:09):
I would say that we are in uncertain times right
now.
Absolutely.
Everything is um we we justdon't know.
You know, health care.
I mean, everything is going up.
Um, health care, you know, likeyou said, college, everything is
going up.
And the only thing we can do isjust ensure we're doing our
(26:30):
part, we're educating everyoneon it um what we can do with
protecting ourselves and helpgrow the access that we have,
growing our wealth and justagain protecting what we have
and growing what we have.
I love that.
To me, that is that is the mostimportant.
SPEAKER_02 (26:48):
And it's really um selfless of you.
I mean, you could retire, youyou know that things are taken
care of and you've alignedthings correctly, but for you to
go out and really want to spreadthe message is is something that
I think is very admirable of youand and anyone in this financial
landscape trying to help people,it's it's something we need
right now.
(27:08):
We need you guys to be realthought leaders because I I
don't know about you, but I'veworked in the banking industry
in the past and financialadvisors that work for banks
aren't able to give you theoptions that you have access to.
Is that what did you say true?
SPEAKER_01 (27:24):
Again, I totally agree because if you work for
Chase, Chase is gonna give youthe services that Chase offers.
Absolutely.
That's the only that's the onlyservices that Chase is gonna
give you.
If you work for whatever bankthat you work for, that is the
services they're gonna offeryou.
But if you contact me, I'm gonnagive you what services that's
(27:48):
gonna be best for you.
So if you're looking forwhatever service that you're
looking for that we talk aboutthat is best, it might not, it
might be Chase or it might notbe Chase.
It might be a Fidelity, it mightbe a nationwide, it might be a
global Atlantic, it might not beat one, you know, company that
(28:10):
you thought it was.
I don't work for Chase.
I don't work for you're notrestricted.
I am independent.
So I I do not work for onecompany.
I don't work for any of thesecompanies.
So I can tell you, we can lookover these different companies,
and I can go through and say,well, this is the company that's
offering the best for yourmoney, and from there we can go
(28:34):
through the process.
So I am not as anyone's desk,and they're I'm not on their
payroll, and they are not sayingyou have to, you know, sell this
product, although this is notthe product for that individual
person.
So I am not, you know, buying tosell you a product that is not
(28:55):
the best for you because I workfor this company.
Because I'm independent, we cansit down and figure out what's
best for you, and from there wecan move forward.
SPEAKER_02 (29:05):
Man, as a small business owner or even
entrepreneur that's trying toreally get their business up and
going or keep it consistent,that's almost a weight lifted, I
would say, at the end of theday.
Just knowing you have somebodyresearching these different
areas and really presenting youwith the best value for them is
something I I feel everybusiness owner and every
individual should be doing ifthey really want to have that
(29:28):
financial security, would yousay?
SPEAKER_01 (29:30):
Oh, I totally agree because you know, I always feel
that way when I um started offwith um fidelity, you know.
You know, having a fidelityaccount, you you call in and
they say, okay, you you know ifyou notice now, if you call in,
they do fidelity and they giveyou a couple different choices,
(29:53):
you know, and you have to do it.
You kind of put in the bubble.
Yes, you know, they one, two,three, and you go and you do
your Homework or one, two,three.
So those are the choices theygive you.
And you're like, okay, well, I'mgonna figure out a one, two,
three.
Well, that's not what I'm gonnagive you.
I'm gonna give you more than aone, two, three, and I'm gonna
give you a one, two, three, andit could be one, two, three
(30:15):
different companies.
It's not just not a one, two,three within the same company.
I can give you a one, two, threewithin different companies.
And again, let's tailor this tofit your needs.
Let's tater this to fit yourfamily needs.
It's not what's best for thecompany.
Let's tater this to fit what'sbest for you and your family.
SPEAKER_02 (30:36):
I asked you before the podcast started, kind of
what were you focusing on rightnow and and helping people and
what tools were you using tohelp them?
And after speaking with you, itis very true.
When you gave me your answer,I'm not focused on any one
thing.
You you're really customizingeach and every conversation you
have to accommodate each andevery person.
And that is a huge undertakingthat you somehow enjoy doing.
(31:00):
And I appreciate that.
So I I would like to ask onequestion.
I ask it to all of my guests atthe end of the podcast.
What is one thing you wish youknew in starting your business
that you know now that you wouldkind of give advice to a new
business owner?
What's one thing you wish youhad learned in hindsight?
SPEAKER_01 (31:21):
So I would say going into this business.
Starting off, can I start withsaying that if you decide to go
into this business, go into itwith the mindset of helping and
(31:42):
educating people.
Now, don't get me wrong.
I know that this is a businessand I know that everyone wants
to make money.
Of course, right?
It's a business.
Everyone has to eat.
But there is so many people outthere that need our services.
So go into it with the mindsetof helping people.
(32:07):
The money will come.
Ah.
The money will come when you gointo it with the right mindset.
SPEAKER_02 (32:14):
That is great advice.
Something I probably need toremember in everything I do,
right?
But thank you for that.
So if any of our listeners orany anyone you know that may be
listening would like to meetwith you just to get that free
consultation to see wherethey're at, at least, how can
they reach you?
Dolly Chevalier.
(32:35):
Okay, spell that last name forme.
SPEAKER_01 (32:37):
C-H-E V A L I E R.
My number is 972-215-9970.
Again, 972-215-9970.
(32:59):
Do you also post the number?
SPEAKER_02 (33:01):
Yes, I will.
SPEAKER_01 (33:01):
Okay, that's great.
SPEAKER_02 (33:02):
We'll we'll post it at the in the bottom of the
description of your podcasttoday.
So everybody has a chance toreach out.
And they can also reach you, seeyou on some different social
media platforms.
SPEAKER_01 (33:13):
Oh, definitely.
SPEAKER_02 (33:14):
Okay, great.
I'll let you update everybody onwhere they can follow you.
Because giving those tips, thetools, and strategies on social
media, I think, is imperativefor some people.
SPEAKER_01 (33:22):
Okay, yes.
Um, wow, it it's been amazing.
Again, I just want to thank youfor having me today.
Um anything financial.
I just want to, you know, endwith that.
Absolutely.
And again, all my services arefree.
Um, and I wish I would haveknown what I know today in my
(33:46):
20s.
I wish I would have known.
You you know, I did know, but Iknow today.
And I'm willing to share withyou what I know today.
I'm willing to educate you withwhat I know today for free.
SPEAKER_02 (34:00):
And it's really seems like you want to hold the
hand of each and every personyou work with and really walk
them through it.
SPEAKER_01 (34:05):
You have me for life.
SPEAKER_02 (34:08):
I like that.
SPEAKER_01 (34:10):
Me for life.
SPEAKER_02 (34:11):
I love that.
I hope your son is also able togo into your industry so you
guys can carry it on.
Thank you so much for joining usand educating us in your
business journey.
And to all of our listeners outthere, please reach out to
Dolly.
Get get a mindset of where youare now, at least, and where you
should be going.
And for any of our otherlisteners that are interested in
(34:33):
coming on the podcast or meetingwith us in person, feel free to
click the link at the bottom ofthis page, and we will see you
again next time on Market Itwith Atma.
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