Building & Letting Go: Heather’s Dental Practice & Exit Journey

On this episode of Only Finance, Minh talks with Heather about her journey building a dental practice from the ground up—and what it looks like to prepare for an exit after years of growth.

Heather shares what it was like starting her practice in her 30s in a male-dominated field, building a specialized niche, and how that same specialization has created challenges in the sale process. She also opens up about the emotional side of letting go, including patient care, team stability, stress, and the responsibility she still feels even as she prepares to transition out.

They also discuss what surprised her most, how her perspective on peace of mind has changed, and how she feels about the sale today.

In this episode, you’ll learn about:

• Starting and growing a dental practice in your 30s
• Building a niche practice and its impact on exit planning
• The emotional weight of selling a healthcare business
• Balancing patients, staff, and personal well-being during transition
• Heather’s honest thoughts on stepping away

Tune in to hear the real story behind building something successful—and the challenges of knowing when and how to let it go.

In this episode, Minh sits down with Cyndi to discuss her second entrepreneurial chapter and the journey that led her to create The Cottages Coworking Space.

After successfully building and selling Rustic Brush, Cyndi found herself searching for her next purpose. She shares how faith played an important role in guiding her path and helping her discover new opportunities. What began as a search for office space for her insurance business evolved into a much bigger vision: creating a collaborative coworking environment where entrepreneurs, professionals, and small business owners could work, connect, and grow together.

Cyndi takes us behind the scenes of how The Cottages started, the challenges and lessons learned along the way, and the exciting plans she has for the future. We also explore valuable non-technical insights that have contributed to her success, including the importance of building meaningful relationships, creating community, and staying open to new opportunities.

Whether you're an entrepreneur, business owner, or someone considering launching a coworking space of your own, this episode is filled with practical advice and inspiring stories from someone who has successfully navigated multiple entrepreneurial ventures.

Tune in to hear Cyndi's story, the vision behind The Cottages, and what's next for this growing community-focused business.

Join financial advisor Minh Vo and attorney Khanh Vo of Vo Pham Law Firm as they discuss the growing rise of fraud in real estate and what homeowners, agents, and title companies need to know to stay protected.

In this episode, they cover:

▪️ Common real estate scams targeting homeowners and agents

▪️ Wire fraud and why verbal verification is critical before sending funds

▪️ How scammers are using hacked emails, AI, and mobile notary fraud

▪️ Why 2FA and due diligence matter more than ever

▪️ What title companies should verify before closing

▪️ Practical steps realtors and homeowners can take to protect themselves

▪️ Why checking your mail and recorded deeds is so important

Real estate fraud is becoming more sophisticated every day. Tune in to learn how to protect your assets, recognize red flags, and stay one step ahead.

Listen now and learn why due diligence can make all the difference.

What really goes through a financial advisor’s mind?

Join advisors Minh Vo and Brett Cristiano as they walk through real-life financial scenarios—from retirement and divorce to newlywed planning and major life transitions. This episode goes beyond surface-level advice, diving into how decisions are evaluated, how strategies are structured, and how advisors think through complex financial “deals” behind the scenes.

It’s not just about what to do—it’s about how and why advisors build plans to support long-term financial goals.

This is a special episode—but if listeners find value in going “inside the advisor’s mind,” there may be more to come.

🎧 Tune in for real conversations, practical insights, and a deeper look at the strategy behind financial planning.

What does financial life really look like after a major life change? In this episode, Minh sits down with Audrey for an honest and relatable conversation about navigating finances post-divorce.

Audrey shares her current challenges and questions—from managing day-to-day cash flow to planning for the future—while Minh provides practical guidance on how to maximize savings, minimize debt, and use credit cards wisely. They also dive into bigger-picture decisions like balancing retirement vs. education funding, understanding the realities of student loans, and how much cash you should keep on hand for emergencies.

This conversation also takes a thoughtful turn into mindset—embracing a “Marie Kondo” approach to life and money by focusing on what truly sparks joy and letting go of what doesn’t. Audrey and Minh discuss the importance of being intentional with financial decisions, simplifying where possible, and building a plan that aligns with your values—not outside pressure.

Beyond the numbers, they explore the emotional side of money—how to talk to your kids about finances, create a sense of stability, and make decisions that support your family without adding unnecessary stress. They also cover key considerations like health insurance and maintaining a strong financial safety net.

Whether you're navigating a life transition or simply looking to be more intentional with your finances, this episode is full of practical insights and empowering takeaways for parents and families.

From a part-time hustle to a full-time business—Amy Vo’s entrepreneurial journey is one built on vision, creativity, and taking a leap of faith.

In this episode, Amy shares what inspired her to start, how she bet on herself, and what it really looks like to build something on your own terms. What began as a side pursuit quickly evolved into a growing business, with expanding products and new opportunities along the way.

We also dive into the realities behind the scenes—how she navigated growth, financed key purchases, and stayed adaptable as her business evolved.

If you’ve ever thought about turning an idea into something more, this conversation offers insight, perspective, and real-world experience from someone who did just that.

🎧 Tune in to hear Amy’s story and what it takes to make the jump.

In this episode of Only Finance, Minh Vo sits down with John Osborn PhD, CFP® , CFS, ChFC, BCS, AIF for an annual market update and outlook for the year ahead.

After a relatively mild year where markets came in slightly below expectations, Minh and John break down what investors should be watching next. They explore whether the U.S. economy may follow a similar earnings pattern this year and discuss the key forces shaping the market.

Topics in this episode include:

• Whether the market is headed for a melt-up or melt-down
• If interest rates will remain stable and why historically low rates were likely an anomaly
• Why rates returning to 3% may not be realistic in the near term
• How stock buybacks are reducing the number of publicly traded shares
• Why mergers and acquisitions could increase this year
• How AI tools are helping everyday investors analyze complex financial decisions
• The potential impact of new tariffs on markets and the broader economy
• Whether this year could resemble last year — and if it could still end as a positive year for investors

Join Minh and John as they share insights, perspective, and what they’re watching as the new year unfolds.

Tune in to the latest episode of Only Finance to hear the full conversation.

Welcome to the OnlyFinance Podcast.

In this episode, Minh Vo and Mason Lee discuss all things mortgage.

Whether you're buying your first home, planning for retirement, trying to make sense of rising rates, or exploring alternative loan options, this show breaks down the complexities of finance into clear, practical insights you can actually use.

Expect deep dives into topics such as:

• The current mortgage-rate environment
• How to find a trustworthy loan officer
• Navigating offers that stretch beyond your ideal payment
• Retirement home buying strategies
• Bank-statement loans and non-traditional lending options
• What’s really happening in the current real estate market
• Whether first-time buyers should skip the starter home

And more conversations that demystify money, mortgages, and smart financial decisions

If you want clarity, confidence, and a grounded understanding of the market, Only Finance delivers the insights you won’t hear anywhere else.

Tune in and take control of your financial future.

Mason Lee is a client of Verus Financial Group and is not being compensated for sharing their opinion and experience with our firm. Mason Lee's comments may not be representative of any other person's experience with the firm.

Verus Financial is an SEC registered investment adviser. Information presented is for educational purposes only intended for a general audience. The information does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and are not guaranteed. Verus has reasonable belief that this marketing does not include any false or material misleading statements or omissions of facts regarding services, investment, or client experience. Verus has reasonable belief that the content as a whole will not cause an untrue or misleading implication regarding the adviser’s services, investments, or client experiences. Verus has presented information in a fair and balanced manner.

Past performance of information presented should not be relied upon without knowledge of certain circumstances of market events, nature and timing of the investments and relevant constraints of the investment. We may discuss and display charts, graphs, formulas and/or stock picks which are not intended to be used by themselves to determine which securities to buy or sell, or when to buy or sell them. Such charts and graphs offer limited information and should not be used on their own to make investment decisions. Consultation with a licensed financial professional is strongly suggested.

Verus does not give tax, legal or accounting advice, consult a professional tax or legal representative if needed. The opinions expressed herein are those of the firm and are subject to change without notice. The opinions referenced are as of the date of publication and are subject to change due to changes in the market or economic conditions and may not necessarily come to pass. Any opinions, projections, or forward-looking statements expressed herein are solely those of the author, may differ from the views or opinions expressed by other areas of the firm, and are only for general informational purposes as of the date indicated. Adviser believes that the content provided by third parties and/or linked content is reasonably reliable and does not contain untrue statements of material fact, or misleading information. This content may be dated.