You May Be Overpaying for Workers Compensation – Recovering Thousands of Dollars with Recovery Guardian

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About this Episode



Are you like most companies that cringe whenever they hear the words Workers’ Comp Insurance? Companies reach out to Bobby (Recovery Guardian) because it’s complicated, expensive, and a major pain point.

What if you could work with a company that has your back? Imagine recovering thousands of dollars you’ve overpaid and lowering future premiums with zero out-of-pocket costs.

What you’ll learn…

0:20 Introducing Bobby Giurintano

1:18 Bobby’s Origin Story and How He Started His Company

3:35 Transitioning from 20 Years in Printing and Copier Business to Current Venture

7:24 Overcoming Fears and Staying True to the Course: Advice for Aspiring Entrepreneurs

12:31 Recovery Guardian: Real-Life Success Stories

13:28 Clearing up Common Misconceptions about Workers’ Compensation for Business Owners

17:01 A Closer Look at the Workers’ Compensation Recovery Process

17:52 Who Can Benefit from Workers’ Compensation Recovery: Understanding Eligibility

20:50 The Timeline of Workers’ Compensation Recovery: What to Expect

22:40 About Selecting the Right Workers’ Compensation Insurance Carrier

23:37 Next Steps After a Workers’ Compensation Audit

25:36 Take Advantage of the Opportunity to Recover Money in Overpaid Workers’ Compensation

26:47 Recent Client Success Stories from Recovery Guardian

29:34 About Classification of Overpaid Workers’ Comp Recovery

30:28 Tips for Making a Successful Recovery from Workers Comp

31:20 Accomplishments, Not Money, Are the Key to Success

33:04 More Takeaways From Bobby About Mindset Shifting

39:48 Bobby’s Favorite Motivational Speakers

40:15 Transform Your Mindset for Success in 2023: Stop Hoping, Start Doing, Embrace Failure, Keep Going, and Achieve Victory

41:43 Connect with Bobby

We’ll cover all this and more in today’s HVAC Financial Freedom podcast!

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👉 Full episode can be found here:

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🌐 Book a 15-minute consultation at

📞📧 Call him at: (888) 212-5010 / Email him at: [email protected]

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Audio Transcript

Welcome to the H Vac Financial freedom podcast, a show where we talk about H Vac business ownership and financial freedom by sharing stories and advice of experts who can help you get there now, your host john victoria hello and welcome to the H fact Financial Freedom podcast. We are coming at you with another episode and today the episode will be with Mr bobby, john Tano, a K a bobby G to the world. And today we are talking about over paying for worker's compensation. We all know this is something that's necessary to protect our team and protect the company.

But the thing that you might not realize is that you might be over paying and there is potentially tens of thousands of dollars waiting for you that you just didn't know that you had. And so I'm excited today because we are talking with Bobby G who's gonna cover the basics of what that is and how you can recover that money and um what is the process of being able to get this money back and this is up to a 75% recovery rate is what I was very surprised about when, when I spoke to Bobby, but with that.

Um yeah, let's welcome Bobby to show Bobby. How are you doing? Good, John, thanks for having me, I appreciate it and I'm looking forward to a lot of fun. I'm super excited for today. So um I think just to kick things off, you know, I think people want to learn more about you. Um you know, you're raining in from Staten Island, I believe and um and I, you know, I think that there's, you know, a lot that we can cover from your story, but maybe let's just start off, you know, with, with you as a kid.

Like you started off wanting to do professional hockey and you could just talk a little bit about that and how you got to where you are today. Yeah. Yeah. So, you know, as a kid, uh, parents always said that I was easy baby to watch because they would just throw me in front of a television. My little head would spin back and forth watching the puck. So it was, it was very easy uh, to watch me as a kid. But even growing older, I always wanted a professional hockey player, but I did lack a very key ingredient to becoming that, which was talent.

I could have worked my butt off. It wouldn't have made a difference because I just didn't didn't have the talent to compete with the better folks out there. So I always loved it. And I always always had a knack for business too. As always as a kid, whether it's selling baseball cards or doing car washes or something. I always wanted to kind of get involved in the business in some aspects. So, as, as the years went on, I eventually, uh, you know, graduated high school and like, most kids had no clue what I wanted to do for a living.

Uh, so I did not go to college against my parents wishes, sorry mom. She was very upset about the time. So was my dad. But eventually they got over it. I just had no clue I wanted to do. So I was like, why do that? So I said, you know what, I'm pretty good with people and I like to bust my butt. So I went to sales which kind of tail right into business. And I started off as an assistant manager and assistant manager. Sales associate with to assistant manager at a sneaker store.

Eventually left there went into a sales job which led me to my, my career of almost 20 years in the copier business. I worked for an awesome company for a long, long, long time which kind of really got me cemented in the corporate world as far as sales uh and just kind of business to business relationships and helping customers customer service and pretty much all that and above and then finally came the time when I wanted to do my own thing. So I teamed up with my buddy and we started a company recovery guardian and now we're finding companies money by reviewing their workers comp, Wow, that's, that's incredible.

And there's so many, you know, I know you just broadly glazed over but there's so many things that you have to go through in order to get to where you are today. Um and I guess, you know, one thing I wanted to to tease apart first was, you know, your 20 years in the printer and copier business. But then you transitioned into what you're currently in now. And when we were talking before, I remember you mentioning that your current business partner, he tried to bring you in and I think like five years ago and, and you were, you were hesitant to leap in and so could you talk to me about like that experience of, you know, when he first mentioned it to you then, you know, making that leap right?

There's, there's something that must have happened, whether that's an environment or internally that made you make that leap. And I'd love to tease that apart a bit. Yeah, sure. So he's been a buddy of mine for a while and you're pretty much accurate the last five years or so. He's kind of breaking my chops to uh, you kind of get me to join forces with him and start a company together and kind of focus on the workers comp audits for companies. And uh, at first I had no idea what it was.

I'd never heard of. It made no sense to me. And then finally, uh, I was actually just before Covid, we, we had sat down, I started asking a lot more questions about it because I was really curious. Um, and I was looking to make a change. I mean, I love the company I work for. I really did, but the industry is very challenging and that's so much the challenging part was that it's just a very customer service intensive. So I found myself doing a lot more admin stuff and less selling and business development.

So my my income was slowly going up, but you know because I take care of the clients, I take a lot of pride in that. So, but I didn't have the right systems and tools in place to really help the sales people go out and sell more. So I had to spend a lot of time servicing my clients and doing other stuff that was just admin related. So uh my buddy started talking, I started asking more questions and every question I asked, he kept giving me more and more information that kept peaking my interest.

And um at first when he told me that 75% of companies are over paying, I said, I don't believe you. And I said no, I'm dead serious. I was like all right. I said, well I'm gonna do my research and find out. And sure enough I did my research and it was dead accurate. It's actually crazy just how many companies are over paying the high percentage of it. So um yeah, so we uh so then fast forward a little bit, we got a little more serious about it and I just kept doing more and more research and I learned that a lot of a lot of the competitors out there are kind of asleep at the wheel, they don't have sales teams don't have outreach, not doing the things we do to kind of make this service out there in the open and companies should actually take advantage of it.

It's a no cost service and no risk service and the worst scenario is nothing because they don't find your money, that's really it, the client's investment is maybe an hour or so the entire time, the entire process. So it's very minimal effort on their end and that could be a huge substantial return in addition to savings going forward. So all those things is a positive after I kind of did my research and realized there was a huge market for this because I wasn't sure how big of a market it was because it is a very niche type of service.

Once I learned that there really is a large market for it and that very few people even knew it existed or knew they could go about getting these refunds, I said to him, I said hey man let's do it. I said let's we shook hands and said let's do it, let's make it happen and kind of started the business and kind of did it literally my my nights and weekends because I had a full time position, still my job. So I couldn't really do too much in the daytime.

Actually really couldn't do anything at all in the daytime. So I pretty much had to do my free time and then I just kind of saw a few things happening that kinda got me excited. I saw momentum building up, just me literally putting in a handful of hours a week and that's when I kind of said to myself that, you know, I think I told you this when we had spoken about the first time, it was kinda like Tony Robbins says, you know, you want to take the island, burn the boats, so I was like, there's no way I could do both and there's no way I can just do one.

So it was just kind of like, I had to like, I had to kind of make it uh make it a thing and I thought about it, give a lot of thought and I said, you know what, it's time for a change, it's time to go out on my own and risk aside fear aside and just do it. And uh and I did in my last day full time, it was me first and now I've been on my own sense. It was scary, that's for sure, definitely scary and uh some sleepless nights by encourage anyone that you have a dream or you have something, don't fear take the chance, go for it, go for it 100% and there's, there's a few things that you said that, that I notice are, you know, common threads that other folks as well, like when they're first making that leap, what you chose to do was not just go completely into it, right?

You know, first you were understanding what the opportunity was and then after that you you spent part time like you didn't go full time into it, you know, I'm sure you have different obligations that you have, you know, whether that's living expenses or familial or things like that and it sounds like at a certain point there was there was like a pivot point where the opportunity of what was possible was greater than what you had currently. And I think that's the point that a lot of people um want to get to where it's like they call like the golden handcuffs, you know, you're at a corporate job or your cushy got all the benefits you're being paid really well and it's like, am I going to give up this for something that is a high degree of risk?

And that's a very scary thing. And for you, it sounds like you had to go through this research process for you to be comfortable with with making that leap. And even, I mean even now, I imagine still, like, I mean for me to this day like starting starting the business, there's still like these fears these these gnawing things, they're like, oh you know what, I don't I don't know, it's there's this, there's just something in the background that we are always having to battle against. And so if you were to coach someone, um, like how do you like getting over that?

Like what other things might you tell them to help resolve some of those fears and you know, stay true to the course, right? You know, burn the boats behind them and continue to, and that's, that's a good point man and you're right. I mean, listen, it's scary. You know, go from making a significant, you know, six figure income to literally when I started with the company full time, we're making zero revenue, not a dollar. So I go from making a bunch of money to nothing. Uh, so it wasn't that I was leaving because we were making so much money on the other side.

I was like, all right, we're making tons of money now. It's surpassing the income I have. I took the leap and a leap of faith and believe in myself. I know what I was capable of. I know my skills. So I mean listen for those people that are out there that I want to make that leap and then take that risk. You have to know what's in it for you. You have to know that you're capable of doing it that if you put the energy and enthusiasm and the working because that's the biggest part of the work.

Um, people don't realize everybody wants, wants to be in great shape. Everyone wants make tons of money, but you understand, you gotta go to the gym, you gotta eat healthy, you gotta put the time and you guys to commit to the activity day in day out, do the redundant tasks that are boring and just know that if you keep staying committed to positive activity that down the line, good things will come. So I do compare a lot of, a lot of business to fit this because it's, you know, you can go to the gym 34 days in a row, you'll see nothing, you see no results and you're like, man, am I, am I doing this and doing this?

I stick with it. You know, I never gonna get to shape. The thing is that as time goes so quick, I mean look at that, we're almost at three years since, you know, Covid became a reality. So that's almost three years ago already. So time just goes so quickly. So it's just a matter of having confidence in yourself, believe in yourself and just know that there's gonna be a lot of down, there's a lot of days, you doubt yourself. A lot of failures, a lot of dragging through the mud, it's just one of those things as part of it's part of the process and you have to stay committed to yourself, stay committed to the effort and just be laser focused if you can do all those things, anything is possible just like my pop used to say and it's in my email signature and an email from my phone.

He's always telling me, he goes, you can do anything you want in life as long as you put your heart and mind behind it. Uh, and I do believe that to this day and that's so tough folks. The same thing. You just have to want it bad enough. That's it. I love that. Yeah. It's, it's that passion, that burning desire to just make it happen. Um, because yeah, there's, there's gonna be cold days like, you know, things aren't going the way that you expected and um, you know, doubts of wanting to quit.

But you know, remember why you started. Um, I think that's um, good advice that I was given in the past. And, and also one thing you, you mentioned in our previous call as well was just making sure to have enough savings in place, right? You know, you know, having having some runway so that if if revenue doesn't come in like you are protected and you're covering your obligations. Um, and you know, that's, you know, the podcast being around financial freedom an important key step is always to have that emergency fund in place.

So you can take risks like this if you haven't fully made the jump into running your own business just yet. No, I totally agree. And I think a lot of people don't realize that they expect to be in business. And it's gonna gonna make tons of money right away. It's gonna be great and like, no, that's not the case. It's going to take you about 18-24 months just to figure out what the hell you're actually doing. Um, and then you might be able to make some money in between that.

Of course, you know, obviously to make some money between, but you do want to always always focus on what's the worst case scenario. That's what you're prepared for it. Because if you think that you're gonna come out of the gate and start making tons of money and things are great and everything is planned and always clients and work with us and everything is just awesome and amazing. And then one day you have three or four or five people cancel on you and say they're not gonna move forward with you or they're not gonna do this or this is gonna happen or whatever the case may be.

Um you just have to understand that there's gonna be a lot of time that you know, be frustrated and mad. But honestly you have to just uh just hang on tight and just make sure you can, you can get through the storm because in the end there will be light at the end of the tunnel if you're willing to put to put in the time and the effort amen to that. Amen to that. I love that. So I guess transitioning now to recovery Guardian. I mean I was just so impressed by a number of the case studies that I've seen about your company, so I'm gonna read a few of them.

Um you know the first one, this was for a president of a construction company And it sounded like, you know, they had a broker and safety group that annually audits their books and they thought that they wouldn't find anything or you wouldn't find anything and then you guys recovered 42K. In overpayments. Um Another one was an owner of a sheet metal fabricator company. You know, they said they didn't even know that you could audit these policies and they, it was almost like it was a scam. Like this sounds too good to be true.

And then you recovered 65 K. And then another one, uh you know, owner of a moving company, they said that you're wasting your time. We've already, we've already, we've already done this with another competitor and still you recovered 20 K. Um So I guess before we happen to everything that you do, like it sounds like there's misconceptions that business owners have around this. Could you speak to some of those things and yeah, for sure and that's probably the biggest struggle just getting the message out there that hey just give us a shot because in the end there's nothing you can lose.

Um And yeah, I mean it really is. I mean a lot of folks tend to think that they're all said they have this taken care of that kind of stuff, but I mean there's a reason why we find money for companies three out of four times. I try to stress that, I'm like there's a, there's a good reason why we find money because we have experts that have been doing this over 30 years and this is all they do day in day out and like my point of rob always says the devil's in the details, um you really have to dive deep and spend the real amount of time looking through all these things to try to find these mistakes and sometimes it's just, it can be easily overlooked because it's a mundane detail, that one decimal point of one, number one factor that makes a huge difference in the recovery.

So I think that's the biggest misconceptions that people think they don't need our services because they're taken care of and we were super supportive of brokers and agents were not anti brokers and agents by any means, a lot of them do an incredible job. It's just that their job is to sell and to produce, they also do multiple lines of insurance. So, uh though they might be really well versed in workers comp they're not quite the experts. Our team is our team except does these audits day in day out, all day every day and they've done thousands of them, so um this is all they do.

So they're experts at it. Um So you think that people just giving us a chance and say, hey, you know what, what's the worst thing that can happen? Nothing. So why not? And the best thing that can happen is you get a whole bunch of money back and then lower their premiums going forward. So there's just a lot for them to gain and virtually zero for them to lose. Uh Yes. So those are the things that some of the things that misconceptions just that, you know, people just fearful of the unknown I guess because it's kind of a thing that they've never heard of sometimes, or sometimes they think they're all set and I'm like, just give us a shot.

I'm like, let us prove you're wrong because if we prove you're wrong, there's a check coming, you know, and savings. So that's not a bad thing. If we prove you're wrong, it's not, I told you some kind of a thing and say, listen, don't let those carriers keep your money because if you don't go after it, they're not gonna call you and say john you know, we happen to make a mistake here, we're gonna send you a check for 30 grand. That call is never going to happen.

So let's give us a show, we don't charge a dime were fun to work with, we work with your broker and agent, like I said, we're not undermining anyone at the end of the day. We're just trying to take the money back to the carriers and put it back in your pocket and believe it or not, Most of the errors and mistakes we find come from the carrier. Uh, so that's something you kind of have to look deep into otherwise on the surface. You won't see that.

I see. So it's not even something that the business owner did. It's, it's something that the carrier who is providing the workers comp like there's like, could be mathematical mistakes. It could just be something was missing here or there. And then because of that, it leads to this loss in, you know, tens of thousands of dollars. And it's, it's not even like, it was intentional. I imagine it's just like, it's just, you know, there's just so many details. Yeah. I mean there's just so many people that get involved when it comes to workers comp between the States and the, and the carriers and the actuaries and all the ratings bureaus.

And there's just so many people that get involved in it that it's just, it's near impossible for it to be a mistake. Like I always say to folks, they should change it from workers compensation to workers complicated because it really is just a super complicated insurance. The average person even a well versed average person. I mean, we tell them they learn stuff from us all the time that they didn't know that they swore they, you know, they do everything. So just one of those things that is a very very tough tough thing to manage for a company and you know if we can go ahead and put some money back in your pocket and uh and correct some mistakes going forward and give you some knowledge.

I mean there's just tons to gain their God. And is this something like in terms of like uh well I guess I have two questions. The first one is so when we do the recovery, how does that money come back? Does it come back in the form of a check or does it come back in the form of you know not having to pay uh you know workers comp or like discount in the future. Like how does the money get back to you. Yeah sure. Either or so when we present the report and the findings to the client, the client sends it off to the insurance carrier, they review it.

Once they approve our changes, they'll give you usually give declined an option of getting a check in the mail or a credit towards upcoming installment. But either it's the same. It's still money back in their bank account. They don't have to spend money on. So uh we'll get paid you know from that once they receive their credit or their check. So we don't take any money unless the client is paid. So we're basically the last the last step in the process. Got it. Okay. So it's just I mean there's optionality for for your clients.

Um and then can you also speak to, you know the size of companies? You know there's there's different types of companies that have reached out to me that that watch the show. You know, some are family businesses, some are one man shops. You know some people you know they have 10, 20 people, some have more than that. Um So could you speak to like who this makes sense for? Does it make sense for any company or does it does it make sense for only specific demographic of companies? That that's a really good question.

So there are there are six verticals that we typically target simply because they tend to have a higher risk of other types of companies. So construction and trades, manufacturing, transportation, distribution, healthcare, hospitality and nonprofit. Um So we actually look for companies that are spending at least 50,000 year. Workers comp. And the higher risk industries like construction trades, manufacturing, distribution. You're probably looking at companies that have 20 employees or more um nonprofits, healthcare and hospitality. Maybe about 50 or more give or take. And it could be like I said, those aren't exact numbers.

It just depends every situation is unique. That's just a ballpark to give you. So we don't want to exclude the smaller companies because it's not, you know, not fair for them to take advantage of something like this, but obviously the one or five or 10% companies just might be too small where there's just not enough meat on the bone for us to do the amount of work that we do because whether or not believe it or not, you know, the size of the policy doesn't make a difference because the amount of work is still exactly the same.

So first to review a really small policy to potentially find, you know, a few 100 bucks or 1000 bucks when it's all said and done. And of course, and Uncle Sam takes his piece left with like three or four bucks. So it's like we, I don't want to do that because it's not a profitable way of doing business. But we do, we will take calls with companies that might not fit the bill and just give them advice and some guidance. Uh some things they can do that will actually help them keep their costs down and just give them better knowledge.

We're more than open to talking to anyone, even if they're not the right fit in terms of size will be more than happy to give any information, any guidance to them. So I hope that helps and we can do it in any state uh from, you know, there are four monopolistic states, uh not get into that, but basically from coast to coast, we can help companies got it. So coast, the coast then sound like the bar for you know a company in the trade, you said it was 50 K. And workers comp and then 20 employees around 20 employees.

You know it really you know depending on the company how much people pay people but 50 K. And workers comp. Yeah annual spend spend at least 50 K. A year. We could definitely work with even it's a little 150 K. We're cool with that. We'll be glad to help you out. Okay. Got it. That's that's good to know just so people know like whether it's worth exploring or not but also like worst case like they reach out to you and there's really no cost to them and you'll you'll tell them like hey here's the here's the situation, here's what's going on.

It makes sense and it doesn't make sense, yep. Exactly. It so there really is. There's just no downside to it. I mean the biggest downside is not doing it is just not moving forward because you don't know what you don't know and you know why waste that money. We'll let that money go to the wayside and let a giant company keep it on your behalf when you can put it back in your pocket and use it for some good stuff and how long does the process usually take?

So let's say that for example, I met with you today. We talked, you said, hey john you're doing? yes. This is perfect for you. You're spending at least 50 K. Got 20 employees. Um and then what, what do the next steps look like And what's the overall timeline of getting from today to getting the check in my hand? Yeah, sure. I mean, you know, we, we love the process to be shorter. But unfortunately deal with insurance carriers that tends to be a little elongated because they're not exactly in a rush to get back their money.

But now we've had cases closed as early as six weeks and some that take, you know, um, sometimes six months or even a little further depending on how detailed it is. But um, like I said, for the most part, the client's involvement is virtually minimal. Um they most, most have to forward some emails, answer some questions. But the biggest library is part of the entire process is gathering the policy because we look back up to seven years. So there are five sets of documents per policy period that we look at.

So that's really the most of the effort comes in and we do all that on a client's behalf. You know, if they have the paper can be great, but we don't want them gathering documents for us because it takes time out of their business. And that's what we're looking for. We want to do all the work on their behalf. So we just tell them, hey, listen points to your broker or whoever has the policies that you have online access. Great. Let us know if we can plug in and take it from there.

But pretty much from start to finish and go as quick as a, you know, sick Eight weeks or it can go up two months. It really varies case by case. Um, depends on the carrier, depends on, you know, just the client tubes being receptive and getting back to us in a timely fashion. Sometimes clients to forward an email to someone and they forget to remind them three weeks later like, Oh, I forgot to send that email you forgot. So like that. But it's, I mean it can go fast and slow.

Just every case is completely unique. But I would say on average it's usually within 90 days. It's, it's from beginning to end. Okay, 90 days from start to end. Um, and I guess another question would be, are there specific carriers that you that you think that you know, if you have this one, you probably definitely need to get your, your work or is it just kind of like in general, just the general nature of the beast regardless of the carriers, it doesn't make a difference. And, and it's just weird because we've actually, you know, when we present the results sometimes to uh, the same carrier, we've had one order that were approved changes that were five years old.

And another order that would approve changes there up to seven years old, but it's the same insurance company, but two different people. So it's just like, it's almost like there's no real statute of limitations is just they just go by the wayside and figure it out as they go along. So there really is no no carrier in particular. That's worse or better than the others? That kind of all the same. Uh Said to just a very, very tough, complicated process that's held out by admin folks and regular everyday people that aren't, aren't exactly experts. Gotcha.

Okay, that makes sense. And this specific one just, you know, it's just general user error and some issues to to dig in with that. Um, and, and then I guess my last question around this would be, so you have this done, you look back seven years. Is this something that should be done on an annual basis? Or is there a certain amount of time when you want to re review it again? Because even though you audited one, you got the money back does not mean that it's going to be done right in the future.

So what is the next steps look like after someone has gotten their their past seven years audited? No, that's actually a really good question. So we usually read about three years before we go back and review another clients will go back and review it a few years and between from our past audit and the reason for that is, you know, businesses can change, They can elect nonprofits can add new programs. Um Companies can work in other states. They can offer different services. That might change some of the way they do business.

So we always recommend every every few years to let us look at it and just see if anything has changed that. Maybe um you know, any mistakes may have been made that we can reimburse you for. So um yeah, every three years is definitely worth it. Once we do the original audit, it's just good to keep on top of that stuff because your workers comp can be very, very expensive and if you're not kind of keeping on top of it, it can be a real thorn in your side.

That's the one thing I learned early on was that people really hate workers comp insurance. I mean we've had phone calls with people and they were just straight up angry on the phone call. Not that of course, but just straight up angry over the increase. So how much did you pay or this and that. So it's definitely a pain point for companies. So if we can alleviate that pain just a little bit, uh it makes a day worthwhile. I love that. Okay, so you do it once and then the next time you'll have to do, it is probably three years from now and then, you know, just continue to reassess it as, as the years go on.

Um and again, like the people like it sounds for some people this might sound like an entire process, but you know, they're taking care of most of it plus you're getting money back in your pocket, right? You know, it's it's not, I mean especially this time of year, it's not, it's almost like a mini christmas bonus. Like yeah, sure one of the customers we got back money for it was enough money. The owners like, well I'm gonna get myself a new car, I wanna ride because it's, you know, the car we got you, you know, it's true.

I mean it's, you know, I think that's one of the biggest misconceptions to bring you back from, you said a few minutes ago is that the clients really think they have to invest a lot of time into what we do and it's gonna be a project and we're too busy. I'm like listen, if you're too busy, that's great, we're not gonna be much of your time at all. I mean, other than answering some questions and like I said forwarding some information out, you're not going to have to do much.

We do all the all the legs. So don't think for a minute it's gonna be a project and something that's gonna be very time consuming because we always tell the client if you start doing stuff stop call us because you're doing way too much, you know, specific task we gave you, If you're doing any more than what we ask you to do like forward or or answer a question like don't do it, like call us, we'll do it, you know? So I love that. I got I got it. Yeah.

Listen, take pride in that man. That's a big part of it too, is because everybody's busy, everyone has to run a company and this is, you know, they're getting cold for a million sales people for a million types of products and services. So we understand that they only have limited time. So uh you know, we can take a very very very very small chunk of that time and potentially put thousands and thousands of dollars in the bottom line and lower their costs going forward. It's a win win for all parties and um and I guess before we transition to the next topic, I'm curious like are there other like and share some stories of some people you worked with recently and maybe some of the recovery.

So I know we mentioned a few earlier um And I mean it's they're pretty large, right? You know 65 K. 42 K. 20 K. Could you share a few other stories of folks you might have helped recently? Yeah, sure, sure, sure. So uh there's a hotel and uh and golf resort, we haven't even finished. There's yet and and we we found over $70,000 already. Um so that that's a good one and I mean, just a lot of other folks, uh, I'm trying to think of the top of my head, um, I think there's another construction company that we're able to find about 40 something 1000 they've gone through the process a few years ago with another competitor.

That's one of the things that we find is that a lot of our competitors only look at a few categories, uh, depending on the state and the actual industry, we look up to 12 areas for mistakes. So even if a client or Customer Company has worked with a competitor of ours will still take a look because we have actually a 50% chance of finding the money after they worked with a competitor. So there's not a little bit, but that just goes to show that not only do we have the best team in the business, but they really know their stuff.

I'm trying to think of another good one for, you know, a nonprofit actually. Um, they actually had a smaller policy and we To recruit about 50% of their annual premium based on some changes from COVID because they didn't realize there was certain things, certain job descriptions and certain things changed because of COVID and we went in there and be able to find them a whole bunch of money that came a result. So something bad turned into something a little bit good for them at least. So stuff like that.

I mean nonprofits are excellent construction trades. Um those are probably two of our top industries. I love that. And and just as a strategy thing too, I just thought of this, it's like you're gonna recover potentially 20 to 30 to 40 50 K. Or more and you know possibly what you could do is if you just reinvested that back into your growth, it's like free a free way to fuel your growth, right? You invested that into, you know, a new website, a rebrand or S. C. O. Or something like that.

It's it's like you were given free money now that you've given given free money to just grow. Yeah the car, like the one customer congratulations. You know, you're 100% right. It gives you the ability to take that money and you know, and to use it to help grow their business. And that's really the exciting part of what we do is when we get to make that, make that phone call, send an email and say, I've got great news for you to be able to find you a whole bunch of money.

Um You know, so it really is, it's very, very rewarding. And the majority of companies we work with aren't those, you know, monster, you know, half a billion dollar companies there that the everyday type of family owned businesses that we work with. So really is it's very rewarding and every one of these folks have a great story of how they got to where they were, so being able to help them and help support them, their communities is really special. And I guess just another question popped up around tax implications.

So when it comes back, how maybe you might not be able to answer this, but I'm just curious if you knew like how how is that categorized? Like is that categorizes like income, Is that like, you know, because it's refund on like how how would I, I'm not even sure to be honest with you. I know it comes directly from the carrier. I don't know, I'm not really sure I'm not an accountant, so I don't want to give any advice I out of my wheelhouse, I don't know how to answer that question and that would be held accountable for, I'm not sure I might come in as revenue, I'm not saying I'm not 100% positive.

Um that's a good question. I should probably ask, I have a bunch of accounting buddies and kind of ask them with their thoughts on because I'm curious myself now, I have absolutely no idea. So I can assume that comes in his income that I have no idea. I don't want to answer that question. Yeah, it's no worries. Um and I guess before we move on, is there anything else that you want to make sure to mention about um you know what you guys are doing. Um Anything else that would be helpful for someone who's thinking about making the leap in terms of, you know, getting this recovery from workers comp um listen, I mean, you know, for what we do not because it's my company, but the truth is that you should really give us a shot or even if even if it's another company that's a competitor, give someone a shot because it's a shame to let this money go by the wayside when errors and mistakes are just so high percentage wise, you know, just don't let the carriers keep your money because otherwise they're just gonna, you know, they're gonna keep it anyway.

And uh, and they're quick to tell you, hey, listen, uh under charge, you, here's an invoice for 30 40 grand. You know what? So it's about time you take it, you take it back to them and take some of their money back. So I just say, just, just do it. You know, hopefully you choose us. But even if it's a competitor, you should definitely have somebody, a third party company review this to see this money. And uh, and just, you know, and then one piece of advice, people taking the leap, you know, we've talked about this, I told you, I had a moment just over a year ago when I was just kind of laying in bed and I was thinking to myself like, you know, I'm doing a lot of new things, new business, you know, new life and I kind of realized at that point, you know, two things that were very important to me and why I was never at the top of either of them was because of effort, I've never given it 100% and it was at that moment that I decided that everything is going to change, that I will no longer ever ever not give it 100%.

So for the people out there that think about making a jump to a new business, new venture or whatever it is, whatever it is in life, it doesn't have to be something that's monetary, could be getting in shape, being a better mother, better teacher or whatever the case is, is that go out and try to be the best, be the best at what you do, it's not about money. Uh you know, people are so fixated on money and nice things uh that, that, that really is a very small portion of it at the end of the day, it's about accomplishments, about setting goals and not out of the park and the only way to do that is by giving it 100% and don't kid yourself and think you're working hard, you really, really, really have to give it your role to be successful at absolutely anything.

Um you have to give it 100% you have to want it bad enough because it's gonna be the days that bring you down, that suck you're talking about before. Uh you just feel like, you know, is it ever gonna make it, you know, am I gonna make it? It's gonna be what I want to be. Am I gonna get that vision I wanted to have? Uh the key is just stick with it, keep busting your butt and be absolutely relentless and achieving that goal, and then when you hit that goal, you set a new one, give yourself life purpose, you know, give yourself something to accomplish every day.

Otherwise it's like just kind of wake up and just fly by the wind and do your day out and monday to friday and friday is coming, I can't wait for the weekend, then monday's coming, you're dragging out because you hate Mondays, you know, stop living that life. It's terrible to be excited about every single day. So find something that makes you happy, do something that makes you happy and go at it full steam. That's a good transition and talk about mindset. Um and it sounds like what you're saying and I have a phrase, it's, you know, it's like pulling your punches, like not, not actually, you know, punching, you know, like, you know when you, when you, when you punch, you have to step through it, you gotta twist, you gotta go all the way, but like if you're upholding it, that's where you can hurt yourself, like, because you're not going in all the way and why, why do you think that happens right?

You know there's, you know some, I can see this in myself as well, it's like I might start off strong but maybe dies down later or maybe you just don't ever get to that place where you feel motivated to give it your 100%. Like is this uh is this a matter of, you know, some people are that way or they just have this realization in life because it sounds like for you, there was this moment when everything almost changed but it's like you have been doing things before then, but there's just There's just something that made it 100%.

It made you go from like 70 to maybe 100% and I think that's such a beautiful thing and I don't know, I just want to talk more about that because I feel like there's so much in all of us that we have not fully unlocked yet. Dead on accurate. I mean everyone has potential to be great and something uh like I said doesn't necessarily business, it could be something but find something you really enjoy, something you really want to do and go out and be the absolute best at it.

I mean go out and work your butt off and and and forget the fear, forget what people say, it doesn't make a difference. And uh you know and listen motivation is great, but motivation like a campfire, you know, if you don't put logs in the, what happens, the campfire goes out. Your motivation dies just like by the third week of january, all the people that joined the gym stop going, why? Just, I'm gonna make it, this is my year, I'm gonna do it. It's january and get in shape this time.

And what happens, they fall off. It's really about discipline. I mean, you know, listen, I started getting up crazy early in the morning to work out. Um never in my life that I ever get up early like that ever and now I get up before the alarm even goes off because I've trained myself that no matter what I'm getting up regardless of how I feel that day, I'm tired, just do it. Just do it. You don't want to do something, just do it when you think about not doing it, just do it when you're not in the mood to do it, you just do it.

If you just do it all the other things in life will be so much better. It really is. If you put in the hard work life can be a little bit easier. Um But if you take the easy way out, like it's gonna be hard. So and then find a reason to fight and you have to have a reason to fight every day, whether it's family, whether it's relatives, even if just for yourself, you got to find a reason that we every morning to get you pumped up.

So for me, it's not taking care of my mom, uh another family members that struggle. You don't have any rich family members. I got no no inheritance coming uh to get all dropped and I got no checks, come in the mail. You know, I got no one else looking out for me but me. So it for me was I wanted to make it for them. I just tell my buddy who's a big hockey fan like myself that I dream about just calling him one day, just just gonna fly to games or flying to europe and the one games and paying for everything.

You know, it's stuff like that that motivates me taking my mom and taking on vacation wherever she wants, getting whatever she needs, you know, so you have to have a driving force because you're just doing it just for the money and the fame or the material crap eventually that's all gonna go away. You have to have a real purpose of why you're getting up while you're busting your butt while you're doing the things that no one else is gonna do to be successful at whatever it is you want to be.

I'm getting goose bumps. Um because it was, it took time and time of a lot of time. A lot of mindset. I mean, listen, you gotta take the minds, the most important thing. It really is, it drives everything. Um, so if you don't have the right mindset, if you're gonna be complaining or making excuses and believe me, I've made excuses for, you know, 40 years of my life. I made excuses. So I decided that no more excuses because excuses get you nowhere. Um, at the end of the day, you just have to do it.

I have to put in the work, stop pointing fingers, stop blaming someone else uh, and just get off your butt and make it happen at the end of the day. Only you see yourself in that mirror, you only know the truth of what you've really done and whether or not you're, you're full of crap or you've been out there busting your butt to make it happen. So, um just go out there and do it, man. And I Resident with you said it's like being the first and it's almost like changing your family line.

Like for me, that's, that's one of those things like, you're, you're gonna be the first, like behind you. Like, they've been able to get you to where you are today, but like what if you like, you are the one that changes everything for your family by the efforts that you're putting in the businesses that you build. And it's like such a, it's such, it's such an incredible thing, like thinking about that, that's part of what pushes me and it sounds like, you know, you share something similar where it's like you want to take your family.

Absolutely, man, it's definitely driving force. I mean, you know, you have to I mean, you know, be that person, whether it's set to, it's always about money, it's about and be an example cause you'll be surprised is that people start watching you and you'd be surprised how you can not only just, you know, get other people excited but help other people achieve their dreams. I mean I have a few friends that were working for companies and I straight up told them to their face and said, you're you're wasting your time doing this, go do your own thing.

And had a few friends that went out and took my advice and I didn't know this until years later, I had a friend and we were in tears hugging each other because he said that I was the he started his own company and I said, what are you talking about? And he told me and the kids doing great and he just he's just you telling me that you being very blunt and very, really honest and telling me that he goes, I needed to hear it and he goes and I took it seriously and I went and did it and the kids successful and he's crushing it.

So um it's you know, not just for yourself, but people watching, you can inspire a lot of people just by but despite working hard and being somebody like I said too and it doesn't have to be about money. I think that's, you know, that's a big, a big crime what we face today is, everyone's so worried about expensive crap. Um, that they actually focus on, It's not so much about the expensive crap, It's the work to get there and the accomplishment when you do, that's the real rewarding part.

I love that and you just pouring into other people cause that because you're right, like you, you're in a way for those friends that you had, like you helped unlock that 100% version of themselves. Like they needed your help to like push them like, hey, you can do this. Like this is how it is. Like you aren't living up, so go for it And that's amazing. Like you did that, you helped that, That's, that's incredible. You don't realize what's going on. You don't, you don't even realize smoking cigarettes.

You know, every time she would go out to have a cigarette would run outside, I would rip it right off the hands and stop on it. And I would buy the gun and I said every time you smoke a cigar, I'm ripping out of your hands and your mouth and I was like, I was like for a cigarette, I don't know what to call, but I would, I would just constantly, cause I don't want to see her smoke and then eventually she quit. So and she credited me for helping her quit.

So it was just something small like that had to do with being successful, but it helped her get over a habit. That's a horrible habit. So yeah, just you can inspire people to just by doing the things uh you know that other people are going to do Bobby, you're the friend that everyone needs. I love that. So I guess as we move into the clothes were run up on about 40 minutes, but before we go, I want to ask you two things first would be, you know, top books or motivational speakers, you'd recommend to everybody and then number two, you know, any parting advice for anyone as we transition out.

Yeah, I'm not a big reader, so I can't give you many books, I don't pay attention when I read, you know, so like videos, but I definitely see a lot of motivational folks, so I mean eric thomas Les Brown, uh Tony Robbins, uh uh steve harvey is awesome, I mean there's just so many good people out there have a lot of great things to say and all these people have one thing in comedy come from nothing and probably less than nothing, probably way worse situations than you and I ever grew up in.

So it's just knowing that listen, every, every individual has the ability to be successful, you just have to want it bad enough and more importantly you have to put in the effort um you know, and just I hate the word hope people say, oh I hope, I hope, I hope I'm successful. I hope I do that. Stop hoping. How about you? Just do it. Um because you can keep hoping all you want, but hope is not going to get you there. I hope it's kind of a part of it.

I'm gonna against hope it helps you, but at the end of the day, you gotta put the work in and make the sacrifices. So ignore the people, even if it's, you know, against what they're saying. And when I was leaving my company to start this business, you know, my bosses who I love dearly today told me I was out of my mind, it was a bad idea. I should have done this and I just have to follow my heart and follow my dreams and I did it, you know, so it's just go out there and make it happen.

Each and everybody has their own dreams, their own goals. Um don't look back on life because that's the most miserable feeling is your old in your deathbed saying I should have done this, I should have done that. I wish I did this, I wish I had that. Do it. If you fail at it. So what? Get up, try something else or do it again. Uh don't be afraid. I mean failure comes with all of us. I mean, you know, the most successful people in the world, they fail the most, I always credit the baseball guys make $2030 million a year failing eight out of 10 times.

So you really think about that, you can fail eight out of 10 times and still make 2030 year. You know, there's hope for everybody. You can fail. It's okay, failure, just a learning process, but don't fail the same thing twice, you fail twice, that's your fault. You fail once you learn the lesson twice, that's your fault. So just go out there and make it happen, put in the effort and give it all you've got, got it and if someone needs to reach out to you, so they're interested in looking to recover, you know, some of those payments like how would they get in contact?

And also maybe your website as well for people to ensure the website is simple recovery Guardian dot com if you want to reach me directly. Um My my email is bobby G. B O. B B Y. The letter G. At recovery Guardian dot com. You can also get my cell which I had no problem sharing. It's 3477391773. And regardless of where you're located from any of those industries I had mentioned earlier, it's absolutely worth it to have a conversation because there's a very very good chance that you're overspending for no reason and if you don't go after that money it's gonna be gone forever, bobby G thank you so much man.

People reach out like it's it's it's literally free. So there's only there's only upside that's absolutely absolutely, especially people in the H. V. A. C. Business and that's uh that's your line of work. So those folks to definitely for sure. Awesome. So I think we'll close out for today. So thank you for joining us. And also as a last thank you to our sponsor Pollyanna S. U. Agency for residential HVAC contractors. Um and with that, thank you everyone for your time. You know, so glad to have you on um you know, and aside from that I think we'll catch you on the next one and yeah, see you later.

It's a pleasure john thank you sir, appreciate it, bobby by thank you for joining us for the H. Vac financial freedom podcast. Follow us on Stream Yard Apple podcast, Spotify amazon music and check out our main website www dot H. Vac Financial freedom dot com. To find out how you can also achieve financial freedom


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