Episode #4
S9E4 - Vicky Schiff | Private Credit and Loan to Cost Investing
Sep 30, 202626 minS9
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Welcome to the Real Returns podcast, where we learn how real investments can make a real impact. Join your hosts, Andrew and Dan, as they share stories and interview business leaders on how real estate and other forms of investment can create meaningful change for individuals and communities around the world.
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Episode #4
Episode #3
In this episode of Real Returns, Andrew sits down with Joe Cardosi, Founder and CEO of Free Market Health, a healthcare technology company that connects patients to the specialty pharmacies equipped to treat their most complex diagnoses. Joe breaks down why a tiny slice of patients, those on specialty drugs for conditions like cancer or cystic fibrosis, drive the majority of a health plan's total drug spend, and why the system built around them is often too slow and too fragmented to serve the people it exists for. He and Andrew also get into what it actually took to build a fast-growing company and a five-kid family in the same stretch of life, including a cancer diagnosis less than a year into his marriage. "One to two percent of patients are driving 55 to 60% of a health plan's drug spend." — Joe Cardosi, Founder & CEO, Free Market Health Connect with Joe: LinkedIn: linkedin.com/in/joe-cardosi/ Website: freemarkethealth.com — For more insights on purposeful investing, subscribe to Real Returns on Apple Podcasts, Spotify, or YouTube. Apple Podcasts: https://podcasts.apple.com/us/podcast/s9e3-joe-cardosi-the-four-ps-of-specialty-pharmacy/id1642761377?i=1000791348758 Spotify: https://open.spotify.com/episode/0tcv3M19JzAWAQpxP1YdCd?si=uJj-dgVrT52fMyzrzgJBbQ YouTube: https://youtu.be/g6Y9dNAc-lQ — Subscribe to our monthly newsletter: http://www.realreturnspodcast.com Want to see your question answered on the show? Submit a question via our Q&A form: https://forms.gle/Fy9E6H7BTpzhGPueA — Reiturn® is Birgo's new platform bringing real estate investing to everyday investors, not just accredited ones, with a minimum for the public of $1,000. The equity crowdfunding round to own a share of the Reiturn® platform is live at https://invest.reiturn.com/?utm_source=youtube&utm_medium=podcast&utm_campaign=s9e4_joecardosi&utm_content=reiturn_raise
Episode #2
In this episode of Real Returns, Andrew sits down with Kevin Morris, founder of Atlas Rd, who has helped raise over $350 million in capital across his own companies and the businesses he now advises. Kevin traces the evolution of equity crowdfunding from a fallback for companies that could not raise anywhere else to a tool blue chip brands are choosing on purpose, and makes the case for why a cap table of 10,000 small investors can be a bigger asset than a single VC check. He and Andrew also get into the work they are doing together on Reiturn, Birgo's platform built to bring real estate investing to everyday investors. Timestamps: 00:00 - Cold Open: The Math Behind Crowdfunding's Reach 00:47 - Meet Kevin Morris 02:05 - From Deloitte To CFO To Capital Raising 06:35 - How The JOBS Act Opened The Door 09:40 - Blue Chip Companies Embracing Equity Crowdfunding 12:15 - A Tough Market Pushes Founders To Crowdfunding 15:00 - Trend Or Permanent Shift In Capital Raising 17:30 - Why 10,000 Investors Beat One VC 19:45 - Impact: Access, Cheerleaders, And Growth 21:10 - Building Reiturn With Birgo 22:50 - How To Reach Kevin "I view having this many investors as something that's really going to help propel your business over time. And you have 10,000 cheerleaders. What's better than that?" — Kevin Morris Connect with Kevin: LinkedIn: linkedin.com/in/kevin-morris-30510b16 Website: atlas-rd.com - For more insights on purposeful investing, subscribe to Real Returns on Apple Podcasts, Spotify, or YouTube. Apple Podcasts: https://podcasts.apple.com/us/podcast/real-returns/id1642761377 Spotify: https://open.spotify.com/show/5tx0jOW8J1h3xsEWLuVPzm YouTube: https://www.youtube.com/channel/UCjlzrIn04Ee4iBPE7kEUBjg/videos?view=0&sort=dd&shelf_id=1 Subscribe to our monthly newsletter: http://www.realreturnspodcast.com - Invest alongside our team with Birgo Heartland Multifamily Fund V, targeting resilient Midwest workforce housing markets: https://birgo.com/fundv?utm_source=youtube&utm_medium=podcast&utm_campaign=s9e2_morris&utm_content=fund_v Reiturn® is Birgo's new platform bringing real estate investing to everyday investors, not just accredited ones, with a minimum for the public of $1,000. The equity crowdfunding round to own a share of the Reiturn® platform is live at https://invest.reiturn.com/?utm_source=youtube&utm_medium=podcast&utm_campaign=s9e2_morris&utm_content=reiturn_raise
Episode #9
In the Season 8 finale, Andrew and Dan look back on an incredible season of guests. Four years in, the hosts reflect on what makes this podcast meaningful: the honest, humanizing stories of entrepreneurs who aren't afraid to talk about what it really takes to find success. Greg Furer: https://www.youtube.com/watch?v=4Lg8fgAuI_g Solving the "Cheesecake Factory problem" in financial planning, and why simplicity and trust matter more than the size of the inheritance. Adam Taki: https://www.youtube.com/watch?v=tZVNOkqDbZY Why tax lien investing isn't what you think, and how an overlooked niche turns non-performing assets into performing ones. Patrick Colletti: https://www.youtube.com/watch?v=6Wtkc17P5vk What it means to be a "refounder," and the leadership lessons that only come from building the same business twice. Dr. Dinakar Golla: https://www.youtube.com/watch?v=8JP27rWDkEw What medicine and investing share when it comes to precision, patience, and trust. Mary Fearon: https://youtu.be/KgMOCaX7Slo Why people do their best work when the work actually means something to them. Hisham Albahar: https://youtu.be/VyWwDGxQ-0o Navigating geopolitical complexity and leading with vulnerability in a world that rarely slows down. Afif Ghannoum: https://www.youtube.com/watch?v=8vUnLmlc0Xw Betting on science over hype, and the personal health journey that made this conversation so candid. - Connect with Us! Birgo Capital: Website: https://birgocapital.com LinkedIn: https://linkedin.com/company/birgocapital Hosts: Andrew Reichert: https://www.linkedin.com/in/andrewreichert/ Dan Croce: https://www.linkedin.com/in/danielcroce/ Subscribe to our NEW 'Investing on Purpose' newsletter! (it won't be NEW after this season!) https://realreturnspodcast.com
Episode #8
In this episode of Real Returns, Andrew sits down with Afif Ghannoum, founder and CEO of CPG Radar, a platform that uses big data and AI to help consumer brands accelerate innovation in the supplement space. Afif pulls back the curtain on how the supplement industry actually works, from the brands getting it right to the ones cutting dangerous corners, and explains why the data behind what you put in your body matters more than most people realize. He and Andrew also dig into the 85/15 principle, the hidden challenge of AI hallucinations in CPG data, and where the science on ingredients like peptides and creatine gummies actually stands. Timestamps: 00:00 - Intro: Real Returns Season 8 01:07 - Meet Afif Ghannoum 01:30 - Supplement industry boom: $72.9B and growing 03:35 - What impact really means in CPG 05:00 - The 85/15 principle explained 06:29 - Omega-3s, fish oil, and the AI data normalization problem 09:32 - Quality, purity, and what's really in your supplements 14:02 - How to spot a trustworthy brand 16:55 - The rise of TikTok brands and ingredient shortcuts 18:13 - Peptides, postbiotics, and the science vs. hype gap 20:20 - Creatine gummies: consumer demand vs. real efficacy 23:28 - How to reach Afif "Many supplements are not cheap, but I will tell you, there is really something about you kind of get what you pay for. That's why anytime you see whether it's a private label product or like a super value brand...if you're seeing everyone else is like $30, $40 and these guys are $9.99...you got to do the math." — Afif Ghannoum Connect with Afif: LinkedIn: https://www.linkedin.com/in/afifghannoum/ Website: cpgradar.com — For more insights on purposeful investing, subscribe to Real Returns on Apple Podcasts, Spotify, or YouTube. Apple Podcasts: https://podcasts.apple.com/us/podcast/real-returns/id1642761377 Spotify: https://open.spotify.com/show/5tx0jOW8J1h3xsEWLuVPzm YouTube: youtube.com/@realreturns — Subscribe to our NEW monthly newsletter: http://www.realreturnspodcast.com Want to see your question answered on the show? Submit a question via our Q&A form: https://forms.gle/Fy9E6H7BTpzhGPueA
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