text: a hard market is the best time to get into the commercial lines business
February 11, 2020

Danger or Opportunity?

I'm currently reading William Manchester's three-volume biography of Winston Churchill. During the 1930s, Churchill was in the political wilderness with hardly anyone paying attention to him. That …

| By Tony Caldwell
text: why is it important to eliminate things in order to grow?
February 04, 2020

Eliminate Things to Create Growth

Every good gardener knows you have to prune to grow a beautiful rose bush or a fabulous tomato plant. The same thing is true with your business. As we get busier, we find that what we do every day …

| By OAA Admin
text: how does eliminating difficult customers create growth?
January 28, 2020

Eliminating Difficult Customers to Create Growth

I remember 1997 I got the opportunity to hear a man named Roger Sitkins speak for the first time, and he changed my life. He told me about this little known Italian economist who had an agrarian …

| By Tony Caldwell
headshot with quote: that which becomes scarce becomes more valuable
January 21, 2020

Scarce = Value

"That which becomes scarce becomes more valuable." - Dan Sullivan Dan is just talking about the laws and supply and demand when something is in short supply it cost more, right? And when there's a …

| By Tony Caldwell
text: people who are intentional about their culture
January 14, 2020

Creating the Culture You Want

Nearly 25 years ago I became a partner in an existing business. While this was a fantastic opportunity for me it was a difficult beginning. For one thing, no one talked to me much. It wasn’t until …

| By Tony Caldwell
text: what is EBITDA?
January 14, 2020


I have talked to business owners a lot about this term EBITDA, and they look at me with a puzzled look. It’s not either heard it before, or they don’t know what it means. EBITDA is an acronym. It …

| By Tony Caldwell
black background with a red border and text: what do you mean by cash flow not profits?
January 14, 2020

Cash Flow, Not Profits

I think people get confused about what’s important in running a business. You know, we talk all the time about the bottom line, the bottom line is profits.

| By Tony Caldwell
text: the pressure of having a big goal to hit is really helpful in fueling our performance
January 14, 2020


Early in my sales career, I had the opportunity to go to New York City for some sales training with the Guardian life insurance company.  While there, I heard from a really successful life insurance …

| By Tony Caldwell
text on a black background: look at the assets you have and the challenges you are now facing
January 14, 2020


We’re entering the final stretch of 2019, and I hope you’ve had an incredible year. Regardless of how 2019 has turned out, 2020 and the results you, your business, your associates, and your family …

| By Tony Caldwell
still from video of Tony Caldwell and quote: finding the time, creating the discipline
January 14, 2020


I find that most entrepreneurs are doers, not thinkers. I know in my business career that I am often busy just trying to keep up. Finding time to stop and think about what I am doing, and what the …

| By Tony Caldwell