INSTANT FUNDING WEEKLY EDITION #14

QUICK CALENDAR

NEXT MONDAY, August 19, Don Cohen show , 9 am MDT, LinkedIn Live – Funding Tips

NEXT TUESDAY, August 20, Successful Funding show, 8 am MDT, LinkedIn Live - TBD

NEXT THURSDAY, August 22, Community Revitalization show, 8 am MDT, LinkedIn Live – Stephen Shaff – Community Engagement

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FUNDING HAPPENINGS

Funding seldom follows straight lines.

As much as it would be nice for a fundraising campaign to follow a straightforward process, there are too many variables where adding more information will require going back and checking past information, assessments, and decisions. A good-looking fundraising plan may not hold up to testing.

I am becoming a power user of Grammarly . With my use of 4,362 unique words, I placed ahead of 96%?of Grammarly users. This AI supported tool helps me with my grammar, spelling and style. Every person communicating information about investment opportunities should use available tools to improve the quality of their communications and elevate their credibility.

A current contract negotiation continues to reveal that neither participant fully understands the other or the deal. As much as everyone wants to move forward, taking some time to discuss and provide for things that one doesn’t know is a sound investment that will pay dividends through the life of the relationship.

I have been asked to team up on a capital campaign. It will be necessary to get a handle on the opportunity. There is no way to quote a flat fee because the time to get a handle may range from a few hours to weeks. So, I will quote a fee for a block of time. At the end of the time, I will report what I have learned, what my current thoughts are for the campaign, and state the next steps. Hopefully, the management team will see enough progress and be satisfied with the work, and hopefully, the opportunity will justify the time.

?A current project has a massive market where the government is mandating action and providing incentives to take action. However, realizing a market opportunity requires all the basics of operating a good business: strategy, planning, management team, back office, communications and all necessary resources. Otherwise, its someone else’s market opportunity.

A small business getting started often needs to raise capital to get started. The dollar amount may be small and the ability to attract investment may be limited. However, first dollars in the door represent the foundation of a capital stack. As a foundation, these dollars must be solid and constructed strongly enough to carry the weight of later rounds of funding.

I am encouraging some of my clients to focus more on optimizing their business than on raising funding. Certain actions can be initiated now with little or no risk that it will be a waste of time if funding is not achieved. These actions can add credibility to the business by demonstrating market acceptance, expert endorsement and generating revenue that will help sell the story to investor candidates. These actions are more important than a slick slide deck.

?A current project involves bringing a new technology to market. The technology appears to outshine anything else out there. However, a technology publication just announced a new product that claims many of the same advantages. This presents a need to change the go-to-market strategy and raise more funding to accelerate a ‘first-mover’ advantage. Foot races to market will incur greater costs as money is expended on several communication channels with different messages before learning, which is more effective.

A question was raised about the possibility of conducting two capital campaigns at the same time. Maybe. A business has to consider ‘integration’ – an interpretation by a securities agency that the two campaigns are not just the same thing, thereby aggregating dollar amounts exceeding limitation thresholds or determining improper limits on target investors. A good example of a Reg CF and an ‘accredited only’ campaign is El Centro Home . It is also possible to do an investment campaign and a rewards campaign at the same time. And, the common stacking of capital within an equity downpayment and debt financing. However, all campaigns must be coordinated.

A participant in a capital campaign wants insurance. Commonly, everybody wants everybody else to carry insurance. This takes the form of general liability for property and injury. However, general policies will need an addition in the form of a rider labeled ‘errors and omissions’ to cover liability from a capital campaign. No policies assure that an investment will return a profit.

At an early meeting today, our general agenda ended up focused on infrastructure. Every goal and milestone that everyone agreed upon required putting in place a web presence, communication channels and people management software. Without a means of management of these key activities, nothing would happen.

In a meeting of RCI Community Funds, advances were made in communication concepts regarding community revitalization. The concept of ‘financial infrastructure’ was advanced as a parallel to water, streets, and telecommunications as a fundamental foundation to build or rebuild a community. Knowledge, access to capital markets, and active programs are all part of this infrastructure.

The early days of an opportunity are similar to the start of adventure books, where people of diverse backgrounds and skills come together for a common cause. Whether this is to advance a new technology or rebuild a community, the ‘fuzzy front end’ is a continuous series of introductions, due diligence, and languaging to realize the potential of a new team.

As a member of the Economic Development Council of Colorado, I will be participating in their annual Drive|Lead|Succeed Conference to be held in Beaver Creek October 13 – 16. This gathering of economic development offices (EDO’s) will include its partners in business and charity in improving the quality of life for people in Colorado. REGISTER TODAY!

If you missed out on the Community Capital Live program yesterday with the presentation by the Black Farmer Fund, you can watch the YouTube recording at: https://www.youtube.com/watch?v=dKQSp5LDoSI&list=PLlwrn8Y5u01ZxVKNAAn0Tcpez_m1hhmjD

An associate arranged a call with a woman seeking financing for a new business. Our call raised several questions related to purchasing real estate and construction, which needed to be answered before seeking funding. However, once this business planning is complete, seeking out funding sources that are key to helping women start businesses will be a starting point in the development of a capital strategy.

In advising a project toward a rewards crowdfunding campaign, it became clear that the different participants in the project were unclear on what needed to be done and who was going to do it. This project will take a temporary timeout while each side exchanges more information and engages in discussions to lock down everyone’s expectations.

Shortly after getting off a call where participants discussed several things not to do when pitching for money, I learned that the champion of a project led off his pitch with, “Invest in me, and I will make you very, very rich.” This no-no is the topic of today’s Funding Point.

A project that had gone quiet and was creating anxiety that maybe something had gone wrong turned out to be a matter of a person catching a virus. This is an example of the best planning that must allow for things that are out of one’s control. Hopefully, the project will be back on track next week.

I attended a Community Capital Live program with a presentation by the Black Farmer Fund, co-sponsored by the American Independence Business Alliance . A panel reviewed the Fund's formation and how they deploy money to help black farmers in New York.

I was a guest on Don Cohen’s show this morning, where we talked about several topics, including the placement of your investment opportunity where the best investor candidates will see it.

I started the day listening to practice pitches at the Lion’s Den . This group supports entrepreneurs in raising money through support events such as today and competitions where they are looking for investment opportunities that do good and advance the word of Christ.

I then voted on candidates to be presented at an upcoming Cherub Club event. This group of investors in businesses with impact through Regulation CF crowdfunding meets monthly and participates in Devin Thorpe’s SuperCrowd. The group is open to the public with the next meeting on Thursday.

I am completing my due diligence review for members of the Cherub Club on an offering by El Centro Home on the Small Change crowdfunding program. This community project is retrofitting a building for future use in workforce training.

I hosted my Successful Funding show this morning with Eric Hanson as my guest. We talked about the topic of this daily edition of my Instant Funding newsletter.

I am working on multiple projects, which hopefully can be shared, where we are working on business models to justify the business and investment in the valuation of a business in its future sale, bringing together different businesses to a joint venture in a rewards campaign, and sharing information with investor groups on opportunities that match their profile.

FUNDING POINTS

IS FUNDRAISING A LOTTERY?

?Every capital campaign faces the prospect of failure. So many things can go wrong that failure is no surprise. Some businesses obtain funding that should not. Some business do not get funding that should. The whole concept of raising funding and investing is commonly compared with gambling. Investors are asked to place their bets while businesses feel left out of the game.

?In a lottery, the only three variables are the numbers on the lottery ticket purchased, the numbers drawn in the lottery pull, and the number of people who bought tickets with the same numbers.

Upon entering a casino, whatever game of chance is offered, it is possible to predict the odds of winning. Rarely can a business achieve the same level of predictability. The number of variables in raising funding seems infinite and beyond the ability to forecast.

?There is not enough money for every business seeking capital. This means some business will receive funding and some will not. It may be fair to declare that those businesses who receive funding are winners, but not so fair to call businesses that do not raise funding losers.

?The lack of enough money to match every small business capital needs makes raising capital competitive. How a business goes about raising capital may make the difference in an investor choosing that business instead of another. This ability to influence the outcome of an investor's decision means that raising capital is not a game of chance.

?Like poker, skill in raising funding may improve the likelihood of obtaining funding. A business should consider all of the activities that they may control or influence, which may make a difference in obtaining funding:

·??????? Management team

·??????? Books and records

·??????? Knowledge of investor candidates

·??????? Targeting of investor candidates

·??????? The offer

·??????? Promotional materials

·??????? Platforms, brokers, consultants

?Worry about the things you can control. Don’t worry about the things you can’t.

?Like poker, skill does not guarantee a favorable outcome. Luck may still play a role. If a business seeks to raise funding at the same time that better business opportunities also seek funding, the business may present well and still not make the podium. Similarly, if a business seeks to raise funding when Wall Street stocks are crashing, investors will become more conservative or simply delay making a decision.

ARE YOU A VENTURE CAPITAL INVESTMENT CANDIDATE?

A couple of months ago, on a program allegedly about investment crowdfunding, a young entrepreneur stated that she was not getting any responses from her attempts to obtain money from venture capitalists. I could not reconcile venture capital funding and investment crowdfunding being in the same conversation.

Although every business startup is a venture, only a fraction of a fraction of a fraction of businesses are true venture capital investment candidates. I have seen statistics that venture capitalists only invest in 1 in 2,500 business deals that they look at. If you also understand that venture capitalists use gatekeepers to avoid looking at deals that never qualify, then you may understand my opinion that only 1 in 25,000 investment opportunities may get venture capital funding.

A rookie entrepreneur with stars in their eyes and an ego brighter than the sun will assume that venture capitalists need them because their opportunity is so great. With time, you might expect that this assumption would diminish, but I still see older, more veteran entrepreneurs seeking venture capital money, like betting all of their chips in roulette on Red 23.

I met my first venture capitalist 45 years ago. A small, home-grown venture capital firm with only $50 million under management. Although high risk investments with the hope of super high rewards have been around since the beginning of time, this was my introduction to the venture capital world.

I can talk about the pros and cons of receiving venture capital investment, however the probability is so low, I will save those thoughts for a valid opportunity.

Although the definition of venture capital has varied from time to time, the perception is real when viewing venture capitalists who seek investment opportunities that are not only home runs but grand slams.

I use as my guideline that to qualify for venture capital funding, a business must grow over 100% every year and achieve a valuation of $100 million dollars within five years. Some venture capital firms will add an additional requirement that they will not invest less than a certain dollar amount: $10 million, $25 million, or even $50 million. These dollar amounts reflect the large amount of money under management by the venture capital firm and the limited number of investments that they can make at any one time.

Venture capitalists will state that they expect 1 in 10 of their investments to be a grand slam – something that will surely get the attention of the media. They expect 2 to 3 of their investments to make a little money and another 2 to three investments to break even and lose money on the rest. The grand slam investment is expected to make enough money to make up for all of the other losses or lower rate of return investments.

Early in my career, venture capitalists sold off and exited their investments by conducting an initial public offering (IPO). This common exit gave way to a more popular acquisition by an already existing public company. Venture capitalists will view an opportunity from the perspective of whether or not there is a likely buyer for the business in which they invest.

Venture capitalists have been contrasted with private equity firms who seek to make money on all of their investments. As a result, private equity firms do not need a grand slam investment but still seek home runs. Like venture capitalists, private equity firms are professionally managed with a fiduciary obligation to maximize profits to the investors who place their money in their care.

I have seen angel investors (wealthy people meeting the SEC definition of ‘accredited investor’) state that they also seek grand slams with 500% growth in 5 years. However, angel investors are individuals, and they each have their own criteria for what represents an investment opportunity worthy of their investment. I have seen angel investors invest in everything and anything. Their goal is to make more money, and they expect every investment they make to appreciate in value. Unlike venture capitalists and private equity firms, angel investors may have little or no training in making investments.

As a mantra of my ‘Motivated Money’ approach to raising funding where I seek those investor candidates that are most likely to invest. I focus my efforts, offers, and campaigns on those investor candidates. I do not get any gold stars for telling people I pitched a number of venture capitalists on Sandhill Road if I don’t raise any funding. If your venture has grand slam potential, remember that you need to get introduced, and you still are facing heavy competition from other businesses seeking the same funding source.

COST OF RAISING FUNDING

When raising funds, almost all of the strategy and planning focus on the price of money—the interest rate, share of revenue, or share of profits given up to an investor. However, a number that may have greater importance is the cost of raising funding. Since this money is needed, in part or in whole, before receiving money from fundraising, it represents an investment by the small business, community, or charity.

What are the costs of raising funding:

·?????? Time of small business team

·?????? Specialists

o?? Accountants

o?? Lawyers

o?? Consultants

·?????? Platform fees

·?????? Transactional or payment processing fees

·?????? Commissions or finder’s fees

·?????? Promotion

o?? Advertising

o?? Printing

o?? Email lists

·?????? Infrastructure

o?? Website

o?? CRM

o?? Accounting software

o?? Communications software

The small business rarely counts its own time in preparing for and conducting a capital campaign. A fair measurement includes all time expended by the small business that it would not have otherwise spent. The ‘road show’ of pitching to investors set up by brokers, the ‘pitch’ competitions, and investor luncheons all have a time cost over and above any expenses, fees or commissions.

A comparison of rewards crowdfunding campaigns all required payment processing fees. Standard fees range from 3% to 5% of each purchase plus a transaction fee of $.30. Most rewards campaign platforms charge a commission or ‘success fee’ that is a percentage of total dollars raised. Since these fees are only incurred if money is raised, small businesses often discount them as ‘other people’s money’.

A comparison of investment crowdfunding platform fees, over and above payment processing fees, covers a broad range. However, all platforms charge administration fees. Many platforms have requirements about using special purpose vehicles (SPVs) with fees and ownership as a payment. Others have surcharges for different ways of receiving funds and return of funds. Still, others charge a fee for the distribution of the funds after investment, for managing equity ownership, or for other services. These expenses all add up and may serve to reduce the net proceeds of the investments significantly.

A small business may pay a finder’s fee for an introduction to an investor or engage a licensed broker to sell their investments with payment of a commission. These investment facilitators may also charge fees for application, review, handling, or other activities over and above a percentage of the money raised.

Some businesses are unconcerned as to the costs while others pinch pennies to minimize costs. Investors will review costs as giving insight to the management capabilities of the small business team. If a small business is wasteful and extravagant in the fundraising process, it is fair to expect them to do the same with investors’ money.

In most capital campaigns, the costs of raising funding must be reported to a state securities agency and/or the SEC. A report of high expenses may trigger a regulatory review and possibly an investigation.

FOR WANT OF A NAIL

You have probably heard the phrase ‘for the want of a nail’ that comes from a nursery rhyme lyric, Want of a Nail, the Shoe Was Lost, which is attributed to Benjamin Franklin. “For want of the horse, the rider was lost; For want of the rider, the battle was lost; For want of the battle, the kingdom was lost; And all from the want of a horseshoe nail.”

This simple set of lyrics shows cause and effect. A goal cannot be attained within one or more actions. It also points out the need for preparation where good planning would have identified the risk of failure, and action would have been taken to ensure that the needed nail was in inventory at the battlefield and not sitting in a warehouse or on a freighter ship.

I can draw out additional lessons from these lyrics, but the key Funding Point is that a business must be ready to receive capital, and this requires preparation.

I recently have been in a number of planning sessions for crowdfunding where everyone is casually talking about raising money from hundreds, thousands, and tens of thousands of people. With today’s technology this is certainly possible, but has the technology been acquired, installed, and tested along with training of the people that operate it?

I am all in favor of learning by doing, just-in-time education, and other activities that are intended to reduce costs and time. There comes a point, however, where more preparation is needed. It is one thing to e-blast 10,000 people. It is another to receive 10,000 rewards or equity investments. It is yet another thing to fulfill 10,000 orders or deliver 10,000 digital stock certificates. These activities are all part of a common plan, yet commonly use different people, platforms, and software, which may or may not work together smoothly. At this scale, any one thing that goes wrong can have the same impact as a ‘want of a nail.’

Every undertaking should be planned out starting with the goal in mind. The planning should be completed within a spreadsheet or planning management software that enables sharing as well as feedback. There are lots of tools out there that are way superior to a drawing on a piece of paper.

Since it is common for things to go wrong in any activity, the plan should provide for fall backs (Plan B, C, D and possibly E). Resources need to be allocated to the fall backs just like the primary plan.

The plan needs to be tested. I do this through scenarios. What if I sell 10,000 units? What if I sell only 100 units? What if I sell 10,001 units? I look for faults in logic and in process. I want to identify gaps where a task must be completed and assure that someone is knowingly accountable for the performance of the task with the resources to make it happen.

If I am the person creating the plan, I need others, such as the management team, advisors, consultants, or customers, to participate in the review to gain their perspective on things that may be too close for me to see.

Raising funding will place additional stress on a business. Where before, they may get by with one staff person, one software seat, or one 3D printer, more may be needed to successfully complete the capital campaign without breaking the business.

INVEST IN ME, I WILL MAKE YOU RICH!

Yes, entrepreneurs will continue to make the mistake of telling investor candidates that they will make them rich if they will only invest in their businesses.

I hear statements made like this in pitches, and it has the same effect as running fingernails across a blackboard (this is an old metaphor that doesn’t work these days with data tablets).

If investment in a particular business is expected to generate a high rate of return for an investor, why shouldn’t this be the point that an entrepreneur emphasizes?

1.??????? It probably won’t happen. There are many reasons why a business opportunity may fail. Any entrepreneur promoting their deal should demonstrate some recognition of this fact.

2.??????? It creates expectations. The investor candidate who hears this statement will get it in their head that this is the likely outcome of their investment. Anything less than getting rich will make them disappointed. I once served on an arbitration panel where a woman sued a broker because she did not make as much money as she expected.

3.??????? It may be interpreted as a guarantee. The investor candidate may interpret the statement as a contractual promise that will be breached if the outcome is something less. Yes, the offering memorandum and the investment agreement may assert that the business has no obligations unless expressly stated within the documents, but judges and juries may think otherwise.

4.??????? Been there, done that. Most likely, the entrepreneur is pitching to someone who is already rich. That is why they are making the pitch to that person. So, the entrepreneur cannot elevate the investor to being rich.

5.??????? Loss of credibility. Experienced investors not only ignore promises of riches, but it calls into question the legitimacy of the pitch. Every word in the offering memorandum will be reviewed from the perspective that the entrepreneur is big on talk and may be prone to overstating everything they have done, are doing, or may do in the future.

Making a claim of riches will be judged based upon proximity to the business finish line. If a deal is about to close in a few days, and money will be shared around, maybe it is okay to make a claim, although why jinx the deal? If, however, the claim is made at or before the starting line when an inventor just had their ‘eureka’ moment, it is premature. Particularly when the investor or entrepreneur has no experience, is not aware of all of the challenges, and does not know what they are doing.

Every pitch to an investor candidate must take into consideration all of the risks and challenges that may prevent riches and describe the opportunity with the right amount of optimism.

GETTING TO YES

Every entrepreneur wants to reach that magic moment where the investor candidate commits to funding their opportunity.

Getting to ‘yes’ is the result of preparation, presentation, and relationship development.

I hosted Eric Hanson on my Successful Funding show this morning, where we discussed ‘Getting to Yes” as an outcome of a successful capital campaign. Eric, like myself, has worn all of the hats – entrepreneur, investor, advisor, director, consultant – to many businesses and projects. I invited him to be on my show to gain his perspective on what it takes for an investor to choose a business for investment over all of the other businesses competing for his or her money.

A yes will not come at the first meeting. An investor candidate has to come to know the entrepreneur, understand the business opportunity, and match it with their own preferences.

Investor candidates will rarely invest in anything they do not care about or know about. To get to yes, a small business must go through a series of gates where they check all the investor candidates’ boxes. Before an investor will consider an opportunity, they will first determine if it falls within their area of interest. If not, it’s a no.

A key to getting a yes is to present yourself as an application for a job. The small business may be great, but it is competing for a single job opening. It cannot assume or convey any sense that it is entitled to that job position. It must place itself in the position to be viewed as an asset to helping the investor achieve their goals. It’s all about the investor. If not, it’s a no.

All the numbers aside, the entrepreneur or the small business team must engage with the investor candidate. This soft skill is difficult to explain, but a certain rapport must be established between the entrepreneur/small business team that represents the beginning of what may become a long and beautiful relationship. The investor candidate must become comfortable working with small businesses at several different levels and types of compatibility. This requirement is where many small businesses lose out because they fail to establish trust. Without engagement, it’s a no.

After everything is said and done and the small business has done all the ‘usual’ things and worked their way through the due diligence process of the investor candidate, all they may have achieved is to look like every other business pursuing funding from the same source. They have achieved average and are still viewed as no more than a commodity. It will be necessary for the small business to stand out and to differentiate itself from its competition. One of many possible ways to achieve this is to align the small business with the interests of the investor candidate. This may be belonging to the same tennis club, supporting the same charity, or sharing the same hobbies or social events. It represents one more layer in the relationship between the small business and the investor. This extra effort may be learned through preparation for the pitch or through conversation during the due diligence review. Although competing businesses may do the same thing, so often they will not and a little effort goes a long way. No differentiation; it’s a no.

Collectively, getting to yes means being genuine in who you are, what you care about, and how you intend to go about making your business a success. If this aligns with the investor candidate, you may get to 'yes.'

FUNDING OPTIONS

With more funding options, there is a higher chance of a match between a small business and a funding source.

Nerd Wallet stated in its 2024 Small Business Lending Report that 21% of small business owners considered “understanding all of the financing options” as their primary concern.

The simple answer would be for small business owners to educate themselves on all of the financing options.? I am not sure it’s even possible.

I often joke that I know more types of funding than some people have words for snow. My career experience, training, and open-ended, almost endless stream of news, professional publications, and conversations with financing experts do not allow me to understand all financing options. At best, I may be able to break down options by group or type. But that is a long way from knowing all options.

The capital market is in constant change. There are new deals, rates going up and down, new entries into the market offering startup discounts, funding sources sitting on money they need to put to work and a long list of other variables that makes knowing all of the funding sources impossible. And, creative minds are always working to come up with new solutions.

But, the real question is missing: “In reality, who has the time?”

A small business is challenged to be the best they can be with regard to making their product or service and brining it to market. An entrepreneur has to be a generalist with some minimal knowledge of many subjects. Successful businesses build teams to expand the knowledge that is available within the business. Rarely will this knowledge encompass more than a handful of funding options.

Aside from hiring a consultant or building a small business team of directors/managers and advisors, small businesses may engage their networks, their communities, economic development offices, chambers of commerce or industry organizations, and other supporters when considering funding to learn about what financing is available.

There is no good solution to this challenge. Each business should consider its financing needs within a three to five-year capital strategy. With this need in mind, it should continuously talk to common sources of financing about what they can offer and what else they might recommend. This capital strategy should be shared with all of their team and advisors to keep an eye open for suitable options. In any case, do not wait till the last minute. This will automatically limit the options.

SUCCESSFUL FUNDING

TUESDAY, Eric Hanson was my guest again on my Successful Funding show. Our topic of conversation was “Getting to Yes.” We discussed how to tip over an investor to provide funding.

You may view a recording of the show at:

https://www.dhirubhai.net/events/successfulfunding-erichanson-ge7227692195657515008/theater/

You may view recordings of all past Successful Funding shows at my LinkedIn profile under Events:

https://www.dhirubhai.net/in/karldakin/

RCI COMMUNITY FUNDS

As a member of this new company, I am working with a team of professionals to craft a new funding mechanism for revitalizing underserved communities.

YESTERDAY, RCI Community Funds hosted another Community Revitalization show. With Bill Huston and me as hosts, Jeff Dangremond was our guest, and we discussed impact investing in communities. Jeff provided background on the definition of impact investing, a profile of people who act as impact investors, and how investing in communities achieves impact.

You may view a recording of this show at:

https://www.dhirubhai.net/events/communityrevitalization-impacti7227363514070286337/theater/

AUGUST 22, RCI Community Funds will present the Community Revitalization show with Stephen Shaff of Community Vision as our guest.

You may register to be in the audience on LinkedIn at:

https://www.dhirubhai.net/events/communityrevitalization-stephen7228407997884944385/theater/

DON COHEN SHOW

MONDAY and WEDNESDAY, I was a guest on Don Cohen’s show, where we started a conversation on tips for obtaining funding that was continued on Wednesday. Don and I shared insights to presenting a business from the perspective of both the entrepreneur and the investor candidate and the need to establish a genuine relationship that would be the foundation for the investment.

You may view a recording of Wednesday’s show at:

https://www.dhirubhai.net/events/thefundingshow-tipsonraisingcap7227706825209430016/theater/

You may view a recording of Monday’s show at:

https://www.dhirubhai.net/events/thefundingshow-tipsonraisingcap7227702710081347584/theater/

Don is my mentor and guru on using LinkedIn as a social media platform to build my brand and build my community of individuals and organizations who work like me to help small businesses and communities raise funding.

Donald Cohen

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Karl Dakin, the Capital Coach

Dakin Capital LLC

[email protected]