Most podcasts for female solopreneurs focus on the more fun aspects of being your own boss, like flexibility, creativity, and building a business based on passion and purpose. 

Unfortunately, we really limit our success and sustainability if we neglect the “back end” of our business, the unsexy stuff like tax election, business finances, and accounting. 

My guest today is Claudia Nerio, VP of People at Collective, for a lively conversation about the risks of ignoring or bootstrapping our business finances, and the rewards of delegating them to a team of experts, while becoming part of a vibrant solopreneur community.

We talk about everything from our own experiences transitioning to working from home to client success stories and our mutual love of true crime podcasts.  

🎙️Highlights of this conversation:

Embracing delegation: Even as a solopreneur, recognize the power of focusing on your strengths. Delegating certain tasks frees up time for you to excel in your zone of genius.

Solopreneurship & community: Combat the loneliness of going solo by joining a community like The Collective, which offers essential back-office support and a network of like-minded individuals.

Business finance & tax Structure: Tapping into the collective wisdom and experience of experts at an affordable price means avoiding costly pitfalls and ensuring your solo venture thrives.

Mic Drop Moment: 

"The desire to venture out on your own and to be your own boss has always been there, right? Now I think with the rise of working from home has created businesses like Collective that have found a high demand space in the market to be able to make it easier for people to go out and be a business of one just and pursue their dream."

— Claudia Nerio 

Who would be a perfect fit for The Collective?

• Coaches, Consultants, Creatives, Independent Professionals
• Single member LLCs and one person businesses making $60-80K+ profit 
• Want financial & legal services in one stop shop
• Looking for a community of like minded solopreneurs 

Find out more:  https://www.collective.com/

If you are a solopreneur who is ready to get off the struggle bus and love your business again, this might be the perfect time to work with me.

My Boss Up Breakthrough framework has just been updated to put more emphasis on implementation, so we make sure you get, and stay in momentum. 

I’ll help you Boss Up your boundaries, your offers, your pricing, and your marketing strategy and remove anything that keeps you a best-kept secret. 

We will also make sure you are including mental wellness in your business plan so that you’re not just successful on the outside, but aligned with your values, and priorities on the inside.  

Want to know more?  Schedule a free consultation here: https://bit.ly/3qrJ9YQ

Not quite ready to work with me, but wonder what it would be like? Grab my private podcast,  “Show Up Like a Boss”. 

It’s free, and you listen to it in the same podcast player where you hear this show. 

It’s kind of like a backstage pass of 10 clips of me coaching and tips for how to apply the strategies to your own business and life.  Check it out:  https://bit.ly/3ZOD3CK

H: So, Claudia, we have been talking about a couple of things that you and I both have in common. One, we are both obsessed with people. What makes them tick? What triggers them? What drives them and we are equally obsessed with a specific group of people. Which is to say those who have the audacity to have their own business and to want to make a difference in the world and make a living, based on their own talents and merits. Whether they call themselves freelancers, solopreneurs, self employed, gig workers. We're talking about a whole lot of people. Remind me of the specific data point that you had, it was a much higher percentage than I thought.

G: Yeah, absolutely. So it's a report by, Zippia where 36 Percent of US workers now engage in, you know, some sort of, like, freelance work. And, it is anticipated that that number is gonna grow to, like, over 50 so that's a big chunk, right, of our, US population.

H: Do you have a feel for how much of that is as a result of the pandemic, or I think it's been a trend that's been growing for a while, but just got a big bump as a result of the pandemic.

G: Yeah, absolutely. I think that's, exactly what the pandemic did right, for many people, we were at home. It really made us think a little bit more about what our passions are, what like really drives us, what gives us joy in life. And I think it, it opened the door for a lot of people to think about, and maybe this is the opportunity to be my own boss right? Like, why not, so I do think that pandemic definitely, made those numbers, spike higher.

H: And let's be honest, there's plenty of people who never had any intention of being self employed, but they kinda got pushed out, forced out, laid off, made redundant, and then couldn't find suitable work, so they became what I call accidental entrepreneurs.

G: That's an excellent point. Yeah, I agree, there were I mean, we saw like a big shift, right, in how people did work how people, like, earned a living during that time. It was a scary time for a lot of folks. But I do think it really opened the doors for a lot of just creativity and a lot of just adventure as it relates to how, how to work now in this new environment.

H: You're speaking my language, creativity and adventure are 2 of my I think those are, like, 2 of my love languages for sure. But I know that just making the decision to hang out your own shingle, so to speak. I used to be a psychotherapist, so that was the term that we use. It's also used by attorneys, accountants, and a lot of self employed professionals. But there's so much more to this decision than just saying, you know what? I actually kind of like working from home with my dog or cat on my lap and yoga pants, if any pants on my downstairs, but there's a lot that goes into it once they've made the decision. Making it work is a lot more complicated, what do you think the challenges are that you see from the people that you work with because you have so much experience in human resources and you probably have access into a lot of lives, lot more than I do.

G: Yeah. I mean, I think one of the scariest things is really taking the jump to say, I can actually earn enough doing following my passion to really make a living, sustain myself. I can probably grow a very successful business but, like, where to start, I think is something that is scary for a lot of people. How do I even get started? Like, how would I think about, you know, formation or like really starting my own business. How do I think about the numbers and the paperwork like behind it? I think a lot of people that go into business for themselves are really good at what they do and they have this creative side of them and they have this talent, but not necessarily wanna focus on that. They're driven by focusing on their passion, but not necessarily like setting up like the business and taking care of it on a day to day basis. I think that is the scariest, understanding the background of having own, business, how to run it on a day to day, the operations of it.

H: I couldn't agree with you more. As a matter of fact, even going through a master's program in social work and realizing that private practice was an option, I kind of got pushed out of my mental health career and started a private practice because I needed to get out of the environment I was in, and I didn't feel like I was in another agency. But did I know anything at all about setting up a private practice, which is a sole proprietorship, which like 99% of all businesses in this country are actually sole proprietorships. They're not big corporations, they're teeny tiny little micro businesses. Did my education prepare me for any of that? Not 1 class? Not 1 lecture, like it was never even mentioned. And I think because we work with a lot of the same people, tend to be female, tend to be passion driven, purpose driven.

Yes, of course, they want to make money. They need to make money. It's not a hobby. But what drives them to start their own business and do their own thing is often the desire to make some kind of difference in the world, to make art, to make people's lives easier, to help others in some way. And the 1st roadblock is, how do I even do this? Like, how much do I charge? How do I market my services? And then they start realizing, oh, wait a second, I should I just use my own name? Do I create a business entity? Do I need an LLC? Should I have a corporation, do I need a bookkeeper, do I need an accountant, do I need all of the above? And in my experience, a lot of them put it off as long as possible, so they're not actually set up for business and I'm sure you see the same thing right?

G: Yeah. Absolutely or set it up not correctly right and then what are the consequences of that? Like, making those mistakes as it relates to your livelihood. Taxes, how to file your own business, tax return, right? How to track your spend, how to pay yourself. Those are the things that if not done right could really, jeopardize this dream of having your own successful business. And I would add like a layer there, how scary is it for someone who's coming from a traditional W2 to go into write a business of 1 where you've had like healthcare accounted for, your taxes accounted for, retirement options. And those are all the things that I think are important to think about, as you are venturing out into becoming a solopreneur, a business of 1.

This is kind of a BFD like, I wish you'd told me sooner. But I also think that there can be a lot of shame and embarrassment because somehow having your own business, the whole female entrepreneur movement, which has been going on for probably a decade now. One of my beefs is that, the big name, you know, what some people call celebrity entrepreneurs or marketing gurus, they're promoting this image of having your own business, especially as a woman, is easy, fast, fun, lucrative AF, and virtually passive. Like lifestyle business, make money as you sleep, all you need is a great offer and grow and scale. And I really don't hear a lot of people talking about the stuff that we're here to talk about today which is the not so sexy part of the business structure and getting the finances right. And nobody really wants to talk about that because it doesn't sound sexy and exciting.

G: Yeah. And I think to your point earlier, maybe a little bit of embarrassment, maybe not really understanding the concepts, right, as you start out and, having to learn those things and maybe not really being comfortable owning that, Hey, I'm starting from a place of not having a whole lot of knowledge on this. I like to need the help.

H: Yeah and especially if you are like a grown ass woman, you know, there are plenty of one of the fastest growing groups of female owned businesses is women over 50 venturing out and creating something on their own for the 1st time ever. So they've got decades of experience being two employee. All of that stuff on the back end, it's not that they've chosen to be ignorant, they just haven't had any contact with it. They don't really know so If someone's listening to this thinking, sheesh, sheesh, I've been in business for 10 years and I still don't understand, you know, if I've got the right business structure, I don't think that's at all unusual or surprising do you, Claudia?

H: When I first came across what you do, I thought this is such a great example of seeing a need in the market and creating a company to meet that need. Because you're right, nobody goes into their own business thinking, okay, great, I had a job doing one thing, and now I'm going to become an expert in sales and marketing and customer service, and I'm gonna become a self taught bookkeeper or accountant in addition to being the CEO. And I'm gonna do all of that, and of course master all the social media platforms. I'm gonna do all of that in addition to practicing my craft. They think they're gonna be able to do all that, and many people burn out trying. But you have come up with a better way, so let's talk about the collective and the need that it meets to kind of take care of the back end so people can actually work more in their zone of genius and not try to do 17 different jobs.

G: Yeah, absolutely. You called out a whole lot of jobs, and when you were saying mentioning all of them, I got a little bit tired, to be honest. It's like, I don't think it's possible for 1 person to do all of that. I mean, you can try, but to your point, you will absolutely burn out. I think what we're really trying to build at Collective is really focusing on businesses of 1 and bringing that community together so that they can focus on their passion while we provide that back office around formation, tax, business tax filing, bookkeeping, accounting, and then also give them the opportunity to join other, businesses of 1 and come into this community and also, like, network. That is one of my most liked things that we do is that we have created this community because being a business of 1 is can get lonely at times.

Like you are you don't have like a coworker sitting next to you or someone you can approach say, hey, do you have 5 minutes to hop on this, like, Zoom call and let's chat about this thing that we're both struggling with. You're doing it on your own right? But joining, a place like Collective gives you that network to make connections with other individuals who happen to also be businesses of 1 and could be in the same, space as yours. That is like, I think speaks to me because we're talking about what happened with the pandemic and everybody going into the space of, being a little bit lonely. And I think, having Viv is trying to tackle that, create a community for these folks, but at the same time, help them really build, this dream of theirs by providing that back office support that is so important for the success of people's businesses we have go ahead.

H: I'm just thinking that when you're a business of 1, most of the time and it takes a while, Claudia, to get to the point where you can you can have a an accountant available to you. Most of the time, you're bootstrapping it in the beginning and where you can have a legal business representative, where you can go through the business formation. Like, all of the things that you provide, most solopreneurs or businesses of 1, soloists, independent professionals, may even the ones who know they need those things, assume they can't afford them, and they probably can't for a while, which adds to the problem of they're probably not paying themself. They're paying a virtual assistant, they're paying for consultation or coaching, but the kind of structural help that they really need, you've not only packaged it all together, but you've created an opportunity for them to be with other people who are doing what they do, which I think that's I agree with you. That's probably I think they probably think they're coming for the back end support, but they probably get the most value from the community because it is lonely in these streets.

G: Absolutely, I think the community piece, in my opinion, is one of the most, valuable right? But at the same time, then you get that expert support to and you get unlimited, support through a relationship manager who's there step in every step of the way and help connect you to the right expert within our organization. Is it like a tax question, is it like a payroll and accounting question? Is it a formation question? Cord. But absolutely, I agree, that community piece, it's super valuable to really help, brought in just right the space, that you're trying to go into, and just build connection.

H: Do you think there's a particular type of business of 1 that is best suited to what you're creating and what you're providing?

G: Yeah. I think, you know, currently, our member makeup is mostly coaches, consultants, creatives, content creators, some software, we're, you know, developers. So it's a little bit broad, but, you know, we mostly add value in the space of, single member LLCs, and with the S corp tax, election. So we're targeting, established businesses of one and what I mean by established, you know, businesses of 1 is those, like an s, you know, s corp tax election will mostly make more financial sense for someone who, is making anywhere between 60 to $80,000 like an annual profit. So that kind of like describes the member that we are targeting or like the member base, you know, within collective.

H: Okay. So it's 60 to 80 k profit in their business. Correct, got it. So, yeah, they would need to be somewhat established. And I can see a lot of people, especially the consultants and coaches I know, who are coming out of a role in a business where they will be able to continue to serve a lot of the same clientele that they have been serving, especially if they are a consultant who's been working in a big consulting firm. Now they're going out on their own, and a lot of their if they don't have a noncompete, a lot of their clients will come with them. Could you give me an example of maybe a client success story or an ideal. It doesn't have to be a real person. It can be a composite like, to help people see, like, oh, these are or my people, and this is what's possible for me. And maybe talk about how you serve this person and what you're able to provide to them that they've either been doing on their own or going without.

G: Yeah. I mean, there’s several success stories that come to mind just from, you know, recent campaigns where I've been exposed, to some of the members' stories. We, recently, ran a campaign where we brought a lot of these folks together, it's called Faces of Collective and did like a photo shoot with them, which was like so great because then they all got again, going back to that community aspect, they all got together, the event closed like with a nice dinner. These are folks that, you know, continue to stay in touch beyond these campaigns or these touch points that they have, with, you know, the collective, community. I think there's several like 1 we just had as a guest speaker even at our one of our company events who wrote a book about, curiosity and the brilliance of, curiosity, and came and talked to us about his life experiences and how, being a Collective member has like really, shaped the way that he does business. Right? His book, actually, I have a copy and I need to start reading it. He shared some copies with some of the, Collective employees, was something that, really stuck out to me because hear him talk about his passion for just curiosity and his life story, was very inspiring to me personally, but also to our team. We got a lot of just really great feedback, on that event.

But one thing that really stuck out to me is this individual wrote a book. Imagine what an important milestone that is in someone's life, right? Someone truly feels very passionate about like what they're doing to the point that they've, you know, published a book. They are now advertising their book. They're just doing speaking engagements, and really pursuing their passion, they're not worried about like, oh man, are my are my business tax return going to be filed? How is like my counting coming along, they trust they trust the Collective team, to take care of that and for them. And so that's one story that really stands out, to me as successful one. To hear someone who's out there doing their thing, following their passion, not really worried about, how they're running their business on the day to day because they trust the collective team to do that for them.

H: There's so many people that are saying, I managed people for a living in my former life, and I don't wanna manage people. I would say I was a single parent of 3 for a decade, so I do not want to manage people because I had enough of that during that phase of my life. But doing everything yourself is exhausting, it's inefficient, and you're probably not doing most of those roles nearly as well as someone else could. We've all heard I mean, I think the book The Big Leap and the concept of your zone of genius, I think it's been around for 20 years. I talk about it a lot, lots of coaches and consultants talk about working in your zone of genius and spending more time in your zone of genius. But as a business of 1, you're prevented from doing that by all these other roles that we talked about. And if you don't want to manage people, you want to have a simple, streamlined, profitable business.

You don't want to have a big team. I have this person for this, and that person for this, and like it's better than you doing it, but it's inefficient. And there's all that management, just the idea of being able to just take all of those really crucial pieces that make a business in compliance and successful, are what you do for them. So to me that's an automatic translation into spending more time in their zone of genius, and having a lot more peace of mind, while not having to manage more people than you want to.

G: Yeah, absolutely. I think you and I chatted a little bit about this last time around focusing on your areas of expertise and maybe not taking on too much, right? What that does for us when we commit to taking on, too much that spoke, you know, a lot to me in our last conversation. And I think that you're right. I think that oftentimes we have the mentality of like, I can do it all. Like I can handle, I can handle it all. I can do it all. I got it. In particular, I think as a solopreneur, that probably is a very common, right, like mentality of like, I can do it all. And it oftentimes is like I have to do it all that's feels a little bit more like it's a must, as opposed to that first statement. But how wonderful it is, right, that you don't. That there is a solution out there that can take away, some of the areas that may not be, you know, strengths and, like, giving them, you know, to the experts to take care for yourself and you can focus on the things, again, going back to it really strike joy, in what you're pursuing.

H: There's a lot of mindset work that goes into making this decision, isn't there? Because I'm just thinking about some of the clients that I have worked with and even clients I'm working with right now, where they understand that they're holding themselves back by not delegating, or not hiring help. They understand that they would have more freedom, more ease, and actually could spend more time doing what they actually are really good at and love doing if they would let go of these other things, whether they're editing their own podcasts, they're doing their own accounting, they're figuring out the legal stuff. They understand it intellectually, Claudia. But being able to, like, make the decision to get that kind of support comes right up against the thought you were just sharing that I have to do this.

And I've unpacked this with a few of my clients who had parents who maybe they grew up working class, maybe they were immigrant families where hard work was really valued, and people were really proud about working hard. So here's this lovely entrepreneur who wants to work in their zone of genius, which when we're in our zone of genius, it doesn't feel like hard work because we love it, and because we're good at it, and because it might even come naturally and easily. So deciding I could get paid for this thing that I really enjoy, and I can get help with the parts that I don't enjoy, means you really have to come up against all that mental programming from the past that says you need to work hard for your money.

Work needs to be hard, and that's like a badge of honor. Well, you might wanna think about shifting those thoughts because I only know I only know one direction that that can go and that's straight to burnout. It just may take you longer to get there. But do you see that in people who've made the decision to join the Collective? They've made the decision to let this stuff go, but then they keep holding onto it.

G: I mean, I think it's a very, like, human trait, right,

personality Trade

G: I have a very similar story. I come from a family of immigrants. I came to a family of immigrants that, growing up, I saw my parents start certain ventures and trying to pursue that American dream, but not necessarily taking the entire piece of faith in doing it, like, on a full time basis and going hard because they didn't, like, know where to start. And so, I saw that, like, firsthand right? Which is why I love what we're doing here. It's really shifting the mentality of you don't have to work as hard. There are things that, you know, are better set to leave to others to do the delegation piece. You can leave to others to do and focus on this one area where I think I can add like a lot more value and have, like, a higher impact. And so that was that really says, you know, a lot. I apologize for the big instruction.

H: We never really know when, side helpers are gonna be around and the dogs just can't resist them, can they?

G: I am so sorry. I saw the background and just got got lost a little bit what I was saying.

H: You know what's funny is that that this is one of the reasons why people decide to work for themselves and work from home because, you know we wanna spend some time with our pets right?

G: Absolutely.

H: But then it's undeniable there are times when being in the same space as our pets is inconvenient and distracting.

And the one thing that they don't love about it is so much of what we've been talking about, is this sense of isolation. Now I don't know about the other people in the Collective, but certainly most of the soloists that I know, and my clients, do not come from entrepreneurial families. They do not come from a culture where lots and lots and lots of people are self employed, so many of them don't even have a single friend or relative who works for themselves. So part of that loneliness, I think, is not just the fact that we might be isolated in our house with nobody knowing what we're doing, but that we might not have very many people within our social network who actually understand that we're working when we're at home, and that you can work from your pajamas. They think they can just knock on your door, or text 2 or ask you to run an errand for them because if you're at home, you're available. Do your people in your collective ever talk about that as well?

G: Yeah, absolutely. I think, I can even relate to, even some of our employees as they talk about, you know, the setup of work from home, and a lot of them obviously share, that space with family members and people feeling like, oh, you're not in a Zoom meeting. That means you're not, like really working, so that means you're available to do, you know, all of these other things. Absolutely, I think that there is a retraining of, like thinking about what does work now look like for you as, you know, as a solopreneur? Like really creating, right, like that, almost like a bit of a discipline that I talked a little bit about earlier as I connected it to like my own experience to make sure that you're creating that space where you're like, I am focused on this now and how can I make that space, that time, that environment conducive to what I'm trying to accomplish?

I think that's what a lot of people, right, that were forced into the work from home, had to like learn to do and do well and adapt to fairly quickly. And I think, you know, in, our Collective I'm sure this is something that comes up all the time, right? If you're not sitting in front of a desk, you know, from like 9 to 5, is that really like working? And so I think it's, again, going back to creating that space, that environment, in that time where you are dedicated to following your passion and making that work for yourself.

And there's, the beauty of the Collective is that you have that community who probably very much feels the same way, and we've created, right, like, that space for people to share ideas and really network and share what's worked really for them. I think that advice sharing and having that space can be very valuable. It's, you know, proven, very valuable, for me and for some of our employees as they also like experience, right? The work from home and the loneliness challenges.

G: You said earlier when we were first starting talking about the statistics, that you believe that the number is going to grow. I have my own thoughts about this, but I'm curious why you're predicting that there are going to be more soloists, more businesses of 1, more solopreneurs in the future, tell me why.

G: To me personally, it feels like this is the desire to venture out on your own and to be your own boss has always like been there, right? Now I think with the work from home crisis. I say that in parentheses because in reality, it ended up being a blessing for, like, a lot of people, right, has more than, you know, forced people. I think it's created businesses like Collective that have found, like, a space in the market, a high demand space in the market to be able to make it easier for people to go out and be a business of 1 and pursued their dream. And that's in the numbers now at 36 percent of the US workforce indicate that they're only going to go higher because it's the availability of tools and resources, in my opinion, to be able to do that and the education that's out there to be able to, become a business of one is more available now than it has been in the past, in my opinion.

H: Yep and the tools just keep getting easier and easier, easier to access, more affordable, easier to learn. I mean, the number of people I know who now run online based businesses, digital businesses, as coaches and consultants who would not consider themselves even a little bit tech savvy is astonishing. I don't come from a generation that grew up with technology. I am literally running a business where I'm up to my eyelashes and technology every day. And because these tools are proliferating and they're widely available and they keep becoming more and more and more user friendly, I think we can even see people who would have taken the retirement track, say, I'm gonna retire from this, and now I'm gonna start my own thing doing that. Yeah, I think we're gonna see a lot of those folks, you know, starting businesses.

H: Agreed. You mentioned something a little while back that I wanted to circle back to if I can. You said that if you start your own business based on passion and purpose, which hand raise, right, and the majority of coaches and consultants, would agree with that as well. And you don't understand some of the business basics, the unsexy things that you take off people's hands. And because you don't know about them, you don't do them, or you know enough about them to be intimidated by them, so you don't do them. Or you fail to recognize just how important and necessary they are, so you don't do them or you don't do them well. What are some of the mistakes that you see people making that I want the listeners to if you're making these mistakes and you might not even recognize you're making them. You probably need to migrate over to the Collective because, takes that we can make and recover from, and there are ones that tend to get worse over time. So what are some of the things that you see when people do join the collective? They had been making these mistakes and maybe didn't even know it. What are some examples?

G: Yeah. I think, in my opinion, it's probably not having a really good understanding of the S Corp tax election and how to be able to write, capitalize or take advantage of some of the tax savings that come from an S corp tax election. It is very complicated to I understand. I am very amazed when I hear the experts in our team talk about it and I feel like I learn something new every time, but like on average, our members are saving, anywhere, like $10,000 on tax savings, that's like on average, right? By just opting to do the S corp tax election. I think it's learning how to pay yourself as a business of 1 and doing it right and really taking advantage of those tax savings, I think can be really critical to the success of a business, like understanding the ins and outs of that. It's tricky, like I said earlier, but I think would be beneficial for anyone, right, who is in this area trying to really grow their business, who is trying to get it right and avoid those mistakes. I think that would be the one that stands out for me.

H: Well, I like that you are choosing to focus on the carrot and not the stick, Claudia, because I'm gonna guess that most people would think, oh, god. I really haven't been addressing this, and I know it's gonna catch up with me. They want to avoid the stick so they're like, okay. I'm gonna let these experts do this for me so I can stop waking up in a cold sweat, versus you're saying, hey, guess what? If you do this right, I can save you 10 , how about that?

G: It's in my personality to always think about the positive.

H: I think that was one of the first things that you and I connected over in our 1st conversation was just like how much we both love people, how much we both love helping people, and how relentlessly freaking optimistic and silver lining focused we both are. And then we found out today that we also are both addicted to true crime podcasts.

G: I love when I meet people who share in that passion with me.

H: I used to feel it was a little bit weird, but honestly, so and I don't know if this is a female solopreneur thing, but most of the women I know who have their own business, if you ask, they like true crime. And I thought, okay, because I'm a person, and I'm always into like the what makes people tick and what. So far, we'll have to have another conversation about this when one or both of us figure it out or have some more evidence. But I think it has to do with the fact that women in particular who start their own business tend to be smart, savvy, creative, risk takers, and they love figuring out and solving problems. So when you're listening to the true crime, you tell me if you do this, I know it's what I do. I'm literally trying to figure it out while they're telling the story. I do it on Netflix too. I'm like, oh, what, you know, like, who's the bad guy, and how did they do it, and where do they hide the evidence? I'm literally challenging myself to figure it out and solve the problem and not just wait for them to tell me.

G: Yeah, absolutely. I think, you know, first step, probably visiting our website, clicking that get started button will definitely connect you with someone who's an expert on our side and can really, speak to the uniqueness of your own business and your own situation and walk you through how Collective can, help, service and help you in pursuit of your dream.