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
Referrals on Clipboard. Office Desk with a Lot of Office Supplies. 3d Rendering. Blurred and Toned Illustration.
August 27, 2019

Where Will They All Come From?

  My experience tells me that it takes five years to develop a well-trained commercial lines customer service agent (CSA) from scratch. It takes 3 years to train personal lines CSAs to great …

| By OAA Admin
empty office chair
June 18, 2019

A Can-Do Mindset is Essential for Insurance Agency Success

Where you go in life and business is up to you. Yes, it’s true that some are more successful than others. Not everyone ends up with a huge organization, fabulous wealth or the ability to do …

| By Tony Caldwell
man outside talking on a cell phone
November 20, 2018

How to Prepare to Borrow from a Bank

During a recent Circle of Excellence discussion (our regular informal meeting with high performing partners), we talked about the role of a Chief Financial Officer (CFO) in a growing business. One of …

| By Tony Caldwell
November 13, 2018

Budgeting is Not Planning

The fourth quarter is the time of the year when business people typically work on preparing budgets for the coming year. This is an important process that should involve all of the leadership of the …

| By OAA Admin
still shot of Jennifer Fabian from a video
October 17, 2018

Agency Development Visits for Your Agency *Video

Jennifer Fabian, the Director of Agency Development, reminds you to schedule a drop-in for your agency to learn about the new tools and services offered to you. Reach out to your Agency Development …

| By Tony Caldwell