{"id":12773,"date":"2026-08-04T07:00:05","date_gmt":"2026-08-04T12:00:05","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=12773"},"modified":"2026-08-03T15:52:34","modified_gmt":"2026-08-03T20:52:34","slug":"wealth-podcast-ep-299","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/wealth-podcast-ep-299\/","title":{"rendered":"Surviving Slow Seasons &#8211; Ep. 299"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12773\" class=\"elementor elementor-12773\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-33d12c5b elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"33d12c5b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-25e8deec ae-bg-gallery-type-default\" data-id=\"25e8deec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65ac369b elementor-widget elementor-widget-heading\" data-id=\"65ac369b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How proactive planning can alleviate stress during slow months in the business. <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7efae318 elementor-widget elementor-widget-text-editor\" data-id=\"7efae318\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div><span class=\"TextRun SCXW166788093 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW166788093 BCX0\">In this episode of the Accumulating Wealth podcast, Hunter Satterfield and Judson Crawford discuss the common seasonal slowdowns that practice owners face and how to strategically prepare for them.\u00a0<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">T<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">hey offer actionable strategies to\u00a0<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">maintain<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">\u00a0stability and ensure financial health during slower months<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">, including building cash reserves, tightening\u00a0<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW166788093 BCX0\">overhead<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">\u00a0and\u00a0<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">maintaining<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">patient\u00a0<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">flow<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">. Whether due to seasonal factors like summer vacations or broader economic trends, the<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">\u00a0guys<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">\u00a0emphasize\u00a0<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">the importance of\u00a0<\/span><span class=\"NormalTextRun SCXW166788093 BCX0\">staying ahead with proactive financial planning.<\/span><\/span><\/div><div>\u00a0<\/div><div>Have questions or ideas for Hunter and Judson? Reach out at <a href=\"http:\/\/cainwatters.com\/wealth\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">cainwatters.com\/wealth<\/span><\/a>.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cb3970d libsyn elementor-widget elementor-widget-shortcode\" data-id=\"4cb3970d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><iframe title=\"Embed Player\" src=\"https:\/\/play.libsyn.com\/embed\/episode\/id\/42302935\/height\/128\/theme\/modern\/size\/standard\/thumbnail\/yes\/custom-color\/0c2340\/time-start\/00:00:00\/playlist-height\/200\/direction\/backward\/download\/yes\/font-color\/FFFFFF\" height=\"128\" width=\"100%\" scrolling=\"no\" allowfullscreen=\"\" webkitallowfullscreen=\"true\" mozallowfullscreen=\"true\" oallowfullscreen=\"true\" msallowfullscreen=\"true\" style=\"border-width: medium; border-style: none; border-color: currentcolor; border-image: none;\"><\/iframe><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2838d138 elementor-widget elementor-widget-heading\" data-id=\"2838d138\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">WHAT YOU\u2019LL LEARN<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6dc61b5d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6dc61b5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Strategies to build cash reserves during prosperous months<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The importance of tightening overhead before revenue drops<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">How to drive patient flow proactively<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The significance of a thorough tax projection review<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Practical ways to stress test your practice for potential slowdowns<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4312603d elementor-widget elementor-widget-heading\" data-id=\"4312603d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Questions Answered in this Episode<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57a6cc68 elementor-widget elementor-widget-text-editor\" data-id=\"57a6cc68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b><span data-contrast=\"auto\">How can practice owners prepare for seasonal slowdowns?\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">By building cash reserves, tightening overhead, and having clear plans to manage liquidity and expenses proactively.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">What should practice owners do with cash reserves during busy seasons?\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Reserve cash for future uncertainty, avoid impulse buys, and manage debt strategically to\u00a0maintain\u00a0a healthy financial position.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">How can practice owners\u00a0maintain\u00a0patient flow in slower months?\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Drive patient engagement through effective marketing, reactivate former patients, and encourage referrals to build a steady pipeline.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3394a169 elementor-widget elementor-widget-heading\" data-id=\"3394a169\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key TakEaways<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e29d2b5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6e29d2b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"3 4 18 14\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M9.55 17.2a1.2 1.2 0 0 1-.85-.35l-4.9-4.9a1.2 1.2 0 1 1 1.7-1.7l4.03 4.03 9-9a1.2 1.2 0 1 1 1.7 1.7l-9.85 9.87a1.2 1.2 0 0 1-.83.35z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Proactive planning mitigates seasonal stress <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"3 4 18 14\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M9.55 17.2a1.2 1.2 0 0 1-.85-.35l-4.9-4.9a1.2 1.2 0 1 1 1.7-1.7l4.03 4.03 9-9a1.2 1.2 0 1 1 1.7 1.7l-9.85 9.87a1.2 1.2 0 0 1-.83.35z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Building cash reserves strengthens financial flexibility <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"3 4 18 14\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M9.55 17.2a1.2 1.2 0 0 1-.85-.35l-4.9-4.9a1.2 1.2 0 1 1 1.7-1.7l4.03 4.03 9-9a1.2 1.2 0 1 1 1.7 1.7l-9.85 9.87a1.2 1.2 0 0 1-.83.35z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Effective marketing sustains patient flow <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"3 4 18 14\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M9.55 17.2a1.2 1.2 0 0 1-.85-.35l-4.9-4.9a1.2 1.2 0 1 1 1.7-1.7l4.03 4.03 9-9a1.2 1.2 0 1 1 1.7 1.7l-9.85 9.87a1.2 1.2 0 0 1-.83.35z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tightening overhead prevents budget overshoots <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15e14663 elementor-widget elementor-widget-heading\" data-id=\"15e14663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Who's this episode for?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20634cc2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"20634cc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"3 4 18 14\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M9.55 17.2a1.2 1.2 0 0 1-.85-.35l-4.9-4.9a1.2 1.2 0 1 1 1.7-1.7l4.03 4.03 9-9a1.2 1.2 0 1 1 1.7 1.7l-9.85 9.87a1.2 1.2 0 0 1-.83.35z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Practice owners concerned about seasonal business fluctuations <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"3 4 18 14\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M9.55 17.2a1.2 1.2 0 0 1-.85-.35l-4.9-4.9a1.2 1.2 0 1 1 1.7-1.7l4.03 4.03 9-9a1.2 1.2 0 1 1 1.7 1.7l-9.85 9.87a1.2 1.2 0 0 1-.83.35z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Healthcare professionals looking to stabilize cash flow <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"3 4 18 14\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M9.55 17.2a1.2 1.2 0 0 1-.85-.35l-4.9-4.9a1.2 1.2 0 1 1 1.7-1.7l4.03 4.03 9-9a1.2 1.2 0 1 1 1.7 1.7l-9.85 9.87a1.2 1.2 0 0 1-.83.35z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Financial planners aiming to prepare clients for economic uncertainties <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d166009 elementor-widget elementor-widget-heading\" data-id=\"1d166009\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">ABOUT THE HOSTS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69f78707 elementor-widget elementor-widget-text-editor\" data-id=\"69f78707\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #003366;\"><a style=\"color: #003366;\" href=\"https:\/\/www.cainwatters.com\/hunter-satterfield\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Hunter Satterfield &#8211; CPA &amp; Partner<\/strong><\/span><\/a><\/span><\/p><ul><li>Financial Advisor with Cain Watters &amp; Associates since 2007<\/li><li>Chief Investment Officer<\/li><\/ul><p><span style=\"color: #003366;\"><a style=\"color: #003366;\" href=\"https:\/\/www.cainwatters.com\/judson-crawford\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Judson Crawford &#8211; CPA &amp; Partner<\/strong><\/span><\/a><\/span><\/p><ul><li>Financial Advisor with Cain Watters &amp; Associates since 2004<\/li><li>Public speaker, New associate mentor, Marketing Committee member<\/li><\/ul><p>Reach Hunter and Judson here: <a href=\"https:\/\/www.cainwatters.com\/wealthpodcast\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">cainwatters.com\/wealthpodcast\/<\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53f8aa5 elementor-widget elementor-widget-heading\" data-id=\"53f8aa5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">About the show<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-224cf958 elementor-widget elementor-widget-text-editor\" data-id=\"224cf958\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Accumulating Wealth Podcast helps business owners and professionals make smarter financial decisions through insights on tax strategy, investing, and long-term wealth planning.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e8466a elementor-widget elementor-widget-heading\" data-id=\"7e8466a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Additional Resources<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c9dc065 elementor-widget elementor-widget-n-accordion\" data-id=\"4c9dc065\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1280\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1280\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Podcast video <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div class=\"has_ae_slider elementor-element elementor-element-4dc348b e-con-full e-flex ae-bg-gallery-type-default e-con e-child\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1280\" data-id=\"4dc348b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38a9fdb4 elementor-widget elementor-widget-text-editor\" data-id=\"38a9fdb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><a href=\"https:\/\/youtu.be\/bmhmMEnXzxk\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration-line: underline; color: #33cccc;\">Podcast Video<\/span><\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1281\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1281\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Full transcript <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div class=\"has_ae_slider elementor-element elementor-element-177d7526 e-con-full e-flex ae-bg-gallery-type-default e-con e-child\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1281\" data-id=\"177d7526\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-718b4b5c elementor-widget elementor-widget-text-editor\" data-id=\"718b4b5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Welcome to the Accumulating Wealth podcast. I&#8217;m Hunter Satterfield. And I&#8217;m Judson Crawford. We&#8217;re CPAs, wealth advisors, and partners at Cain Watters and Associates, a financial services firm here to help you navigate the decisions you face every day. Today, we&#8217;re talking about something every practice owner feels at some point, the seasons when production slows down, cash flow tightens up, and the calendar does not quite look as full as it did a few months earlier.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Whether it&#8217;s a seasonal dip, summer vacations, back to school schedules, or just the normal ebbs and flows of running a practice, the key is not waiting until the slowdown is already here to start making decisions. So today, we&#8217;re walking through how to plan ahead so the slower months feel less stressful and a little bit more manageable. All right, let&#8217;s do it.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Okay, Hunter. So, to timestamp\u00a0ourselves, it is towards the end of June, June 25th. And I feel like we&#8217;ve found ourselves almost in the middle of summer almost. Indeed. And this might drop in a few weeks, folks. We&#8217;re just recording ahead because we both have our own personal travel.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">But I think what we&#8217;re talking about today is both not just reactive to sort of what our clients are feeling most acutely right now, but also, Judson, something that we just tend to see, as we mentioned in the intro, this type of thing tends to happen every once in a while. And\u00a0really,\u00a0I think it&#8217;s a good sort of concept to think about as we maybe head toward the latter part of the year.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">And maybe the best place to start is kind of what our clients are maybe feeling broadly right now. Yeah. I think that as you point out, there are ebbs and flows in every practice and seasonally we see it all the time, right? I mean, I think notoriously,\u00a0May and September are just not busy months, right?<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">I think that over the last couple of years we&#8217;ve seen a lot of slower November and Decembers as well, right? Towards the end of the year things slow down, and that&#8230; And I think that&#8217;s both patients, but I also think it&#8217;s the schedule of the doctors. We&#8217;ve got the\u00a0holidays,\u00a0we&#8217;ve got stuff like that in there.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">And\u00a0so,\u00a0to act like it&#8217;s not going to happen this year would be silly. And then on top of that, I think we probably need to bring up some things in this economy and some challenges that are just out there. It&#8217;s not anything that we need to go crazy about, but just the facts of what&#8217;s going on.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Yeah. I think this May has been coined the term now\u00a0Maycember\u00a0this May I definitely have had more clients than usual reach out and just\u00a0say, &#8220;Hey, that\u00a0was really tough.&#8221; It was rough. Are other practices having that? And we can go in and look at our own internal data on financial statements and things like that, and we\u00a0are seeing\u00a0similar things.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">To your point, I mean, maybe some of it&#8217;s &#8211; it&#8217;s probably all these things. May has gotten more and more compressed with events in people&#8217;s lives. More and more folks are traveling now during the summer than ever before. I also think macro and geopolitically right now we&#8217;re dealing with a difficult environment.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">So just as of today, May PCE inflation came back, which is really the preferred inflation metric for the Fed. And it rose to 4.1, which is the highest reading since April of 2023. And Judson, in 2021, 2022, 2023, we were still dealing with an environment that was coming off of a stimulus period, whereas we don&#8217;t have that same macro right now.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">And\u00a0so,\u00a0for inflation to be where it&#8217;s at, which is over two times the Fed&#8217;s target, right? The Fed&#8217;s target is two. And not have stimulus, I do think it&#8217;s pinching consumers&#8217; discretionary flow.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u00a0Yeah, and I think we&#8217;ve heard this from you, our clients, for a while. We see it in our own business. But I think we hear it first from employees, right? They&#8217;re feeling it in the grocery store and have been for a while. Housing costs are high. Gas prices are high, and hopefully we&#8217;ll see a little bit of relief from that coming. But with all of these high costs, I think that eventually, you&#8217;re\u00a0going to\u00a0see that\u00a0in\u00a0your patient base as well and making decisions that\u00a0are\u00a0a little bit harder to make than they were a year or two ago.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">You know what&#8217;s interesting for myself personally\u00a0is I just\u00a0paid my May credit card bill off, and I remember back in March and April sort of having an internal conversation in our household with Carrie and the boys about just how crazy expensive things were. Yep. Right? I mean, Chipotle bowls to batteries at the store to whatever else it is that we buy, dog food or whatever.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">And I remember saying, &#8220;Hey, let&#8217;s just see what we can do if we go for a month where we don&#8217;t spend unnecessarily.&#8221; Cook more at home\u00a0and\u00a0those types of things. It was the lowest credit card bill probably in the last 10 years for us for the month.\u00a0But I actually think that&#8217;s happening across the entire economy right now.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Folks are- we&#8217;re still spending in the areas that are important to us, but we&#8217;ve also dialed back in other areas just to sort of see, okay, what are the impacts if we make these key strategic decisions? I think our concern and this is why we\u00a0wanted to record on this today, is that as that inflation number continues to be high, if it\u00a0is continuing\u00a0to force consumers into some of these decisions, we could continue to see a tougher period as we head into\u00a0the fall.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">And so today, folks, we&#8217;re\u00a0going to\u00a0cover just some things that you can do proactively to sort of continue to prepare for this. I think one of the important things, Judson, Brad Sanders covered this on a podcast a few episodes ago. Even if now that Iran is settling and we are seeing gas prices come down, energy&#8217;s still the number one thing that pushes inflation where it is and that&#8217;s not going to go back down anytime soon.\u00a0So,\u00a0I do think these things are\u00a0going to\u00a0persist through the fall, which is why we\u00a0want to\u00a0talk about some preparation for our clients. Absolutely.\u00a0<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Also, we&#8217;re now pricing upwards of three rate increases. Like, rate cuts are off the table at this point. We are now looking at rate increases to combat inflation, and they&#8217;re potentially up to three. That will impact everything, right? And so, some of those macro things I think we need to be prepared for as we head into it.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">So,\u00a0I think perhaps, maybe it&#8217;s great, Judson, to just say we&#8217;ve got a handful of things, listeners,\u00a0we&#8217;re just\u00a0going to\u00a0go down the list one, two, three. These are core strategies that have things that underpin them as well.\u00a0So,\u00a0Judson, let&#8217;s start, you\u00a0want to\u00a0start with strategy one on how we proactively prepare for this sort of fall period we&#8217;re coming with?<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Yeah, I think number one, we&#8217;re in the midst of summer, and summer, June, July, August, are typically going to be higher collection months than the average throughout the year. And\u00a0so,\u00a0I think that what we can think about now is what we do with those stronger collections in order to prepare for what may be more volatile months come the fall, right? And again, we had an\u00a0episode not too long ago that was talking about spending and how spending affects your long-term financial plan.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">I think there\u00a0are some lessons\u00a0within\u00a0that that we can use here, and one of those is\u00a0don&#8217;t\u00a0make any impulse buys, right? You have collections, you have a little bit of ease, you see your cash\u00a0go\u00a0up.\u00a0Don&#8217;t\u00a0make any impulse decisions to buy any equipment you\u00a0don&#8217;t\u00a0really need right now.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Maybe don&#8217;t pay down some debt that you thought you might pay down in order to keep those cash reserves. Ultimately, what we&#8217;re saying is if you can build up a little bit of cash, that&#8217;s a good thing.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Yeah, I agree. If normal operating capital in your business is X, maybe go X plus two, right? Try to build a little bit more. And if things don&#8217;t end up slowing down in the fall, well, great, you still have it. You can save. You can pay down debt. You can do that equipment purchase before the end of the year that you might have needed. But I agree, Judson, like, just kind of building this base of cash in the business, I think is super important, especially when it comes to, like, &#8220;Hey, ordinarily, I might do this purchase of a capital expenditure. Maybe I&#8217;m not\u00a0going to\u00a0do that right now,&#8221; you know?\u00a0So,\u00a0I think that&#8217;s a big one.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">The other thing I think is making sure you&#8217;ve got your liquidity from a\u00a0lines of credit standpoint, right? So, if you don&#8217;t, if your planner&#8230; there&#8217;s several clients I&#8217;ve been harping on for years. Your planner&#8217;s been saying, &#8220;Go get a business line of credit open.&#8221; I think now is the time. It does take a little bit of time to get that\u00a0established but\u00a0get that open so it gives you a little bit of a backstop if things do slow down. Liquidity equals flexibility, period. And so, having that along with a cash cushion, I think is super important.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Yeah, and it&#8217;s hard in the summer months because we have time and things like that, but now&#8217;s the time to really look at, like you talked about with your family in May, try to avoid that lifestyle creep in these summer months. It will really help out come fall.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Okay, so that&#8217;s strategy one, build reserves. Really try to not\u00a0do\u00a0some of those purchases. Get your liquidity in order. Strategy two\u00a0kind\u00a0of goes alongside that, is adjacent to it, which would be to tighten overhead before we see those revenue drops coming, right?\u00a0So,\u00a0it&#8217;s all about making sure your expenses are\u00a0controlled.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">And Judson, I think this\u00a0dovetails nicely with hey, don&#8217;t buy equipment you don&#8217;t necessarily need this summer. But just really getting your profit and loss in order. Okay, where are places\u00a0that\u00a0I can do some minor cuts whether it&#8217;s supplies, lab costs, subscriptions, recurring things. I mean, we have time right now.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Credit card fees\u00a0is\u00a0a big one. If you haven&#8217;t looked at it in a year or 18 months, it&#8217;s time to do it again. Totally agree. I mean, we have time right now to go through those things.\u00a0So,\u00a0I think those are big\u00a0things that we can look at.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">How about\u00a0getting\u00a0our How Does Your<\/span><i><span data-contrast=\"auto\">\u00a0Practice Compare?\u00a0<\/span><\/i><span data-contrast=\"auto\">Report and review your expenses line item by line item. Yeah, that&#8217;s a great thing to do.\u00a0So,\u00a0I think the other thing, Judson, to talk about here, because those are all things that folks can go in and look at.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">What do we do with staffing, right?\u00a0So,\u00a0as we head into the fall and sort of try to tighten our belt a little bit, at the same time we have to take care of our team members who are also dealing with their own inflation. Like, how should clients prepare from a staffing standpoint?\u00a0<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Yeah, it&#8217;s a great question, and I think that this can be two-sided. When it comes to staffing, it&#8217;s one of the hardest things that\u00a0we often have to talk with our clients about because I think on one hand you want to review whether you&#8217;re heavy at staff and review hours and make sure that hours aren&#8217;t creeping. And that&#8217;s the harder side of things because that&#8217;s the side we&#8217;re talking about cutting.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">At the same time, we also have to take care of the staff, especially our key staff members that are really making our practice excel. I think that when it comes to making sure staff are paid appropriately, again, we have resources here that you can use to\u00a0kind of help\u00a0check on that. And if there are raises that are due, it may be that you need to look at fee increases at the same time to make sure that you&#8217;re keeping your staff up with where they need to be.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Yeah,\u00a0you talked about fees there and I do think that&#8217;s one of the places we can go and get staff and see some benefits to them. Fees are interesting, right, folks? And we&#8217;ve covered this in the past, but I think sometimes people think I&#8217;m actually &#8230; I&#8217;m fearful about lower patient acceptance, so I&#8217;m not\u00a0going to\u00a0increase fees. One strong reality though, Judson, which we&#8217;ve talked about before, is if one of the reasons why we&#8217;re seeing tightening is because of increasing inflation, if your fees are not also increasing as well, then you end up the one that gets penalized the most. That&#8217;s right.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Which, I mean, the patient is not making a choice to upgrade their Chipotle bowl because things are more expensive, but they&#8217;re still getting the Chipotle bowl. They may make\u00a0that\u00a0same decision for you, but if the core things you&#8217;re still increasing your fees on, they&#8217;re still accepting, that allows you to continue to see growth in your practice.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">If you avoid increasing fees because you&#8217;re fearful about patient acceptance, I think what you end up doing is you permanently create an issue for your practice because it&#8217;s really hard to increase all the way in the future. Yep, absolutely.\u00a0<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Before we move to strategy three, I do think this is a good time also to talk about, like, in strategies one and two, they kind of both go along with this, is just making sure that you&#8217;re staying on top of your tax projections. So, if you&#8217;re a Cain Watters client, then you&#8217;ve had proactive tax projections put together by\u00a0your team. If not, you can talk to your CPA. But know what those are because if you&#8217;ve already had some tough periods maybe in May or April of this year and maybe there&#8217;s\u00a0going to\u00a0be a slowdown in the fall, knowing what that number is that you need to hit from a collection standpoint to keep paying your tax payments as they\u00a0are is\u00a0important, right, Judson?<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Because if you see\u00a0a slowing, one of the first things we do is often back down tax payments for clients and then that gives them the free cashflow they need to take care of some of the other things in their practice. Don&#8217;t need to be\u00a0paying in\u00a0for a refund next year if you don&#8217;t need to. That&#8217;s right.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Okay.\u00a0So,\u00a0strategy three Judson, is to proactively drive patient flow. You\u00a0want to\u00a0talk about that one? Yeah. This is big I think, and it&#8217;s something that you should always be mindful of. And one way to think about this is having a full schedule is really your best defense against volatility, okay? Well, how do we do that? I think there&#8217;s two sides to this. It&#8217;s easy for us to talk about marketing because I think that when we have these types of environments, you are fighting over a smaller population base that is ready to say yes, okay? And\u00a0so,\u00a0you can&#8217;t ignore the new\u00a0patients\u00a0side of things.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">You want to make sure that marketing dollars you&#8217;re spending are good dollars, that they&#8217;re giving you a return on your investment. You want to look at other ways to be creative on that. But on the other side, you don&#8217;t\u00a0want to\u00a0ignore what you already have in your own practice, right?<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u00a0You\u00a0want to\u00a0be reaching out to those patients that have canceled hygiene appointments or that haven&#8217;t been in in 6 to 12 months. Reactivating patients, looking at unaccepted treatment and calling those patients to see if you can get them on the schedule. This is going to take a\u00a0full office\u00a0effort. You really want your front office to be in tip-top shape when you&#8217;re going into volatile months because they can really help you\u00a0pad\u00a0your schedule.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">That&#8217;s right. I think if you&#8217;ve got openings in your schedule and you&#8217;ve got a slowdown in the practice, well, that means your staff have time to go do these things, right? And so rather than sitting and sort of sulking around it or thinking, &#8220;What could I possibly do?&#8221; Just go do it, right? I mean,\u00a0just go\u00a0engage\u00a0on\u00a0those things. Build the systems in your practice if they&#8217;re not already\u00a0there or\u00a0reactivate those systems if they&#8217;re not there to go grab those patients.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">And I say this a\u00a0lot,\u00a0and I know it&#8217;s something that not a lot of people love doing but it&#8217;s important, and that is mind your own patient population for referrals. If you&#8217;re not asking for referrals, you&#8217;re missing an opportunity because, and I&#8217;ve\u00a0said this before on the podcast, your practices always look busy to your patients. If you&#8217;re not telling them, they don&#8217;t naturally always know that you want their friends and family\u00a0as\u00a0patients. Please tell them. Amen.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">So,\u00a0strategy one, build cash reserves while times are good. Strategy two, go ahead and look at tightening overhead before times get tough. Strategy three, go and grab those patients that might be out there. And then I\u00a0think last but not least,\u00a0strategy four is to plan.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">And we would say, like, stress test the practice here. And I mentioned already, like, go ahead and make sure you&#8217;ve got your tax projections built, which is part of the plan. But I think really, Judson, it&#8217;s being prepared, right?<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">So,\u00a0it&#8217;s like, okay, what happens? What is my roadmap if the practice this fall does see a 10%, 15%, 20% dip? How am I going to be able to manage liquidity? How am I going to be able to continue to make sure my staff are getting what they need? Go ahead and build those adjustments now so that you&#8217;re not in that moment when you&#8217;re already emotionally struggling with what&#8217;s going on. You already have your plan. It&#8217;s built, right? And you know the steps that you need to take in order to sort of execute and get to\u00a0a positive place from a cash flow standpoint. Yeah.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Once again, I\u00a0want to\u00a0go back to this is about us helping you prepare for some of the things we know that are coming. We&#8217;re not saying that we&#8217;re calling for the worst fall ever, but we also know that those months come with volatility. So don&#8217;t wait too long to adjust,\u00a0look at\u00a0overhead, look at your patient flow and let&#8217;s just make it a fall without stress. Exactly.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">And if it doesn&#8217;t slow this fall, that would be amazing, too. Guess what? That&#8217;s great, and you&#8217;ve been proactive in things. You already know what your plan is. You already know where you need to be, and that extra cash flow that you might have because the fall actually was quite strong can lead to, &#8220;All right. Well, now I can go do that equipment or facility upgrade I&#8217;ve been looking to do,&#8221; or, &#8220;I can get my debt reduced that I might have elsewhere in my plan,&#8221; or, &#8220;I can actually go and make that additional investment that allows me to prepare for my future retirement as well.&#8221;<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">So,\u00a0so\u00a0many great things that come from creating discipline and a system and a process in your practice because if it doesn&#8217;t happen, again, I think the results overall are pretty good. Absolutely.\u00a0<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Well, Hunter, I think that&#8217;s a great episode. And we&#8217;ll be back with you throughout the summer, bringing you\u00a0more both\u00a0fun and topical things to learn along the way.\u00a0<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">And if you&#8217;d like to keep up with this, do that by subscribing to this podcast. That way, you never have to miss an episode and can go back and listen to all the others. If you&#8217;re enjoying us so far, leave us a review. Have a question, comment, or suggestion for a future episode, drop us a line at CainWatters.com\/wealth. We really do answer\u00a0these, and we&#8217;d love to hear from you. And if you want to learn more about what we do when we&#8217;re\u00a0not in\u00a0here recording these episodes, visit CainWatters.com to see how we&#8217;re helping our over 3,700 clients reach their long-term financial goals.\u00a0<\/span><span data-ccp-props=\"{&quot;335559739&quot;:360}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1282\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1282\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Timestamps <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div class=\"has_ae_slider elementor-element elementor-element-6d419349 e-con-full e-flex ae-bg-gallery-type-default e-con e-child\" role=\"region\" aria-labelledby=\"e-n-accordion-item-1282\" data-id=\"6d419349\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d3e5119 elementor-widget elementor-widget-text-editor\" data-id=\"7d3e5119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b><span data-contrast=\"none\">00:52<\/span><\/b><span data-contrast=\"none\">\u00a0&#8211; Why Slow Seasons Happen<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"none\">02:19<\/span><\/b><span data-contrast=\"none\">\u00a0&#8211; Inflation and Consumer Squeeze<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"none\">05:48<\/span><\/b><span data-contrast=\"none\">\u00a0&#8211; Strategy 1: Build Reserves<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"none\">08:20<\/span><\/b><span data-contrast=\"none\">\u00a0&#8211; Strategy 2: Tighten Overhead<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"none\">09:12<\/span><\/b><span data-contrast=\"none\">\u00a0&#8211; Staffing Fees and Taxes<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"none\">12:09<\/span><\/b><span data-contrast=\"none\">\u00a0&#8211; Strategy 3: Drive Patient Flow<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"none\">14:30<\/span><\/b><span data-contrast=\"none\">\u00a0&#8211; Strategy 4: Stress Test Plan<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"none\">16:22<\/span><\/b><span data-contrast=\"none\">\u00a0&#8211; Wrap Up and Next Steps<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"has_ae_slider elementor-element elementor-element-3e14edf4 e-flex e-con-boxed ae-bg-gallery-type-default e-con e-parent\" data-id=\"3e14edf4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62e7a835 elementor-widget elementor-widget-text-editor\" data-id=\"62e7a835\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Have questions or ideas for Hunter and Judson? Reach out at\u00a0<a style=\"background-color: #00295b;\" href=\"https:\/\/www.cainwatters.com\/wealthpodcast\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: bold; line-height: inherit;\"><span style=\"text-decoration-line: underline; color: #33cccc;\">cainwatters.com\/wealth<\/span><\/span><\/a>. Don\u2019t miss an episode, subscribe and leave the guys a review on Apple Podcast, Spotify, or wherever you listen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Hunter and Judson discuss the common seasonal slowdowns that practice owners face and how to strategically prepare for them.<\/p>\n","protected":false},"author":50,"featured_media":12775,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[44,41],"tags":[],"ppma_author":[60],"class_list":["post-12773","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-podcast","category-featured"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Surviving Slow Seasons - Ep. 299<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cainwatters.com\/digitalblogs\/wealth-podcast-ep-299\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Surviving Slow Seasons - Ep. 299\" \/>\n<meta property=\"og:description\" content=\"Hunter and Judson discuss the common seasonal slowdowns that practice owners face and how to strategically prepare for them.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/wealth-podcast-ep-299\/\" \/>\n<meta property=\"og:site_name\" content=\"Cain Watters Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-04T12:00:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2026\/08\/CWA-Podcast-Template-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Judson Crawford\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Judson Crawford\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"33 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/wealth-podcast-ep-299\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/wealth-podcast-ep-299\\\/\"},\"author\":{\"name\":\"Judson Crawford\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#\\\/schema\\\/person\\\/b9538da029ac6afcc305c7fd1198182d\"},\"headline\":\"Surviving Slow Seasons &#8211; 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