Kristin O’Neal is a financial planner who found herself in the unique situation of working with clients who, for the majority, owned their own service based business. She recognized that many of her clients were not only seeking financial advise, but business advise as well. This was an area in which she had expertise so naturally, she helped. She just wasn’t getting paid for it.
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Kristin’s e-mail: email@example.com
The Tribe Podcast by Ashton Charles
Susan: Kristin, thank you so much for joining us today, I really appreciate you taking the time out of your schedule to talk to us to share a little bit about what you do, and how you got to where you are.
Kristin O’Neal: Of course, you’re so welcome. I am really excited to be here.
Susan: Let’s just start out in the very beginning. And tell us a little bit about where you got your start. And then we’ll jump into how you got your own idea to start your own consulting agency.
Kristin O’Neal: Okay, so my name is Kristin O’Neal. I’m currently based in San Diego, California. I lived in Dallas for 11 years. So I have clients, friends, family, even still in Dallas, and then clients across the country, and all that stuff. But the way I got started, because I wasn’t always as cool as I am now. I feel like I haven’t arrived but at least I know what I’m doing, which is great. But the way I got started with my consulting business was I actually needed—I needed a way to better serve my clients in my financial planning practice. And so I think when people find out…So my primary business, I actually have two, my primary business is financial planning, and I work with a lot of women who are single income earners, in a lot of cases, they own businesses. And they didn’t have a really clear understanding of what their goals were, or they set goals that were too small, or they’d like, well exceeded what they thought they were going to accomplish in their business. And they were realizing that they were either kind of stuck, or maybe just like, didn’t know where to go. And so my consulting practice came out of needing to monetize the time I was spending with a lot of my financial planning clients on things that had nothing to do with investments, insurance, or money. So that’s how Ashton Charles got started.
Susan: That is really cool.
Kristin O’Neal: Not the entry you were expecting.
Susan: No, it was not, not in the slightest. But I guess it was either that or you were becoming a therapist, it was one or the other.
Kristin O’Neal: Kind of, yeah. And I talk to…I worked really closely with my compliance person at the time. And she was like, “I totally get what you’re doing. It completely makes sense. But you can’t charge them a financial planning fee for this.”
Susan: You’ve got to figure out another avenue?
Kristin O’Neal: Yeah.
Susan: Well, good for you for doing that. That’s really, I think in an interesting way, and not a twist I was expecting, your story gives women permission to say, I’m spending time on this, and my time is valuable. It’s not free. Because I think as women we’re really bad about just, not bad. We’re very willing, how about that? To give so much so easily. And not that there’s anything wrong with that. But if it’s cutting into your work day, then maybe that might be an avenue you choose? So I really appreciate you you sharing that . That’s really, really interesting.
Kristin O’Neal: Yeah, of course. And like all entrepreneurs, you start your business because there’s some sort of hole in the market, right?
Kristin O’Neal: I mean, I kept trying to refer these people, my clients to other people, but no one was doing exactly what we wanted. There was just a gap there. And I think the financial planning industry has changed a lot, because we have more female breadwinners, and we have more women who are managing their own finances, instead of having a male partner or parent manage it for them. And so, men are a little more brave. They need less information to make a decision and can kind of run without a plan, whereas women typically need…
Susan: We overthink it.
Kristin O’Neal: …A little bit more like, I need like a track to run on. Like, I’m not just going to go make money, like why do I need the money? What will the money allow me to do? So it’s just was a gap there, and so that’s why I started Ashton Charles was really to do all of the things that I was doing already that wasn’t specific to financial planning, so that I wouldn’t have regulators in my files, like, why are you guys meditating?
Susan: That’s awesome. I appreciate that.
Kristin O’Neal: Tell me more about this.
Susan: Right, exactly. So you saw a need. But for those small business owners out there who financial planner isn’t really following up, maybe they don’t even talk to their financial planner about this type of stuff, because it’s separate from their personal finances, or however you want to introduce that or think about that. Why do small business owners need a consultant?
Kristin O’Neal: So the short answer is they may not. I don’t ever assume that everyone needs what I do. And to your point, maybe they have super clear goals, and they have a board of directors, or they’ve got a team around them of other advisors that are helping them in this role. And so one area or one question I get a lot is like, what’s the difference between what you do what my business coach does? Possibly nothing, but maybe a lot of things. So like, I have a business coach, and she helps me with sales and strategy. And in some cases, she helps me with creating the vision for my business, or what does my next one to five years look like? What’s the 10, 15 year plan. But for the most part, she’s just helping me with the tactical day to day like, what to do to hit my goals. But if no one’s helping you set goals, if you don’t know how to set goals, and it sounds really simple, but a lot of people are like, “I don’t know how much I need to make, or like what a good goal would be for my business,” they’re just kind of showing up, doing work, getting paid and just kind of being okay with it. Because you know, my employees are paid, my bills are paid. And I feel like I should be making more, but I can’t really quantify, like, what that is or why.
So if you’re lacking clarity in the area of goal setting, if you’ve reached a plateau, if you’re looking for a next step, or if you’re starting a business, and you have an idea of what you want to do, but you don’t have a clear, clear path to get where you want to go or know exactly who your ideal client is. Those are times when I would engage with either a—I was going to say financial planner, but that’s not the right answer—with a consultant like myself, or with maybe a business coach, some business coaches do that kind of work too.
Susan: Yeah, I was going to say, I mean, when I was first getting started, I had a business coach, who really helped me get things kicked off the ground and things like that. And she came from a world of non-profit and development before she went into her business coaching. So I could totally understand why having the expertise of somebody who has a financial background be really beneficial because I think it’s one of those things, as women, maybe we don’t think about the monetary—and maybe this is just me—we don’t think about the monetary goals or aspirations as we should. We’re out there, and we’re wanting to do a good job. And maybe it’s even just a side hustle, and you want to see where it goes. But without setting those goals, it’s really not going to go anywhere
Kristin O’Neal: Yeah, and I think that you’re right. I would say for most women’s, not all women, but for most, they’re more motivated by helping the clients get what they want, or serving their clients in some way or, you know, passionate about the things that they do, but the money is just kind of a secondary thing. So not realizing, “Hey, if I could better serve clients in this way 10 years from now, and have the lifestyle I want, but it would take this amount of money to do it.” And so that’s a lot of what I help people do.
Susan: And that’s the financial planner part coming out in you, for sure, is the number you need.
Kristin O’Neal: Absolutely.
Susan: Speaking of numbers, since you brought it up, what is a good…? If somebody is looking at thinking about hiring a consultant, thinking about hiring a coach of some kind in your genre, what is a good…? And if you don’t normally give out your figures, that’s totally fine. But what is a good budgetary number to think about that, “Okay, I’m going to have to spend this much to get this kind of service?”
Kristin O’Neal: Yeah, that’s an excellent question, and I wish I had an answer for you. And the reason why this is so tough is because everyone does not different. So it’s independent of experience, type of clients they work with—all have different pricing structures. And I would say that I’ll do—depending on the client, I might do like an intensive half day of us fully focused on sussing out like your goals, getting clear on your vision, coming up with a high-level marketing, like target markets, who am I going to go out and market with and who do I need to meet, and how to build relationships with centers of influence and referral partners. Kind of flush all that out and some high level sales tactics. That’s what I do in an intensive for the client. And I would say, somewhere between 2500 and $10,000, depending on the complexity of the situation, might be what I would charge for that. I would give them not a ton of ongoing support because in this area, I really do work for like, on a project basis. And that’s what it would look like, perhaps to work with me. But everyone, again, everyone’s time is, they value their time differently and they have different types of clients they like to work with. I specifically like to work with women who own service based businesses, because owning my own service based business for six years, I get that a lot more, and I get the relationships you’re going to have to have to support it. And I understand that really well. So if you’re selling widgets, I may or may not be a good fit for you. Probably not, just kind of depends.Susan: Sure. That makes sense. I think a lot of people who are just starting out that number, the 2500 number did not surprise me. The $10,000 mark was like, oh my gosh! And I know…
Kristin O’Neal: They’re probably not like, it’s my first day and I want to get started with that.
Susan: Right. Exactly. But I think it’s also good to have people in your like, when you’re first starting out, you’ve got to have somebody in your corner who can kind of help you walk through the process. And I think that’s important. Who were the people that you kind of went to when you were first making the transition from finance to consulting?
Kristin O’Neal: Oh, well, I haven’t actually made a transition.
Susan: You’re still doing both. that’s awesome.
Kristin O’Neal: Yeah, I still do both.
Susan: I love that.
Kristin O’Neal: Yeah, just because one needs the other.
Kristin O’Neal: So I’m always doing both, but I’m mostly doing planning. I would say the people I collaborate with the most are probably my business coach, Tina Phillips, who does coaching in the Dallas area, and meditation and mindfulness coach, Melissa Garner, who is in Dallas also. And so I’ll still call them and say, “Hey, I have the like a referral or production,” or, “hey, I have this client and this is going on, and she’s having this mental block. What do you think?” So those are the two people I talked to you probably the most about, about those clients?
Susan: Got it. What about was there a friend or a family member or a business colleague that really kind of helped give you the push that you needed to start this other side of this, of your world?
Kristin O’Neal: I want to be like, there was a really special moment with…
Susan: Right. Yes.
Kristin O’Neal: Well, this person…
Susan: Ahh, right.
Kristin O’Neal: I know, it doesn’t always happen that way. I do. I have a lot of really great girlfriends that I’ve met, either through networking, or who have been through prospecting, who have become clients who also own businesses, who are always really supportive of whatever. Not anything I want to do, but whatever I want to do within reason. And so my friend Jordan Gill owns a service based business also. And she’s an operations also dollar space, called… What is it call now? I think it was called System Save Me for a while. And so she’s always really supportive of me doing this kind of stuff because it’s really… It’s abstract, like there’s no, there’s not necessarily a model for consulting, you just kind of…My background is sales and sales management.
Kristin O’Neal: And so a lot of this stuff, I knew from my experience in sales management, and then a lot of it I knew from my experience in my own business, and then I am like a nerd about organizational leadership, and do a ton of professional development and love sales and love marketing. And looking at someone’s life and creating goals and organizing, that’s making the complicated, simple, is just what I do really well. So it’s just kind of something that people started asking me to do it, and I didn’t have a way to charge them for it. And that’s really why I stated the business. Yeah.
Susan: So what are some of the core business practices that you’ve had your clients put in place when they’re first like meeting with you? Like after the initial consult, are there one or two things that pretty much is a norm like, oh, you’re not doing this, this is something we could jump on and do today to make a difference?
Kristin O’Neal: Yeah, so there’s a couple of things. The first thing that I always make sure that we’re clear on is where you want to go and how much it would cost to get there.
Kristin O’Neal: So whether that’s a lifestyle that you…Like, dare to dream, like we do this exercise where we visualize the best version of your life, like your ideal lifestyle. And so really sitting down and figuring out what that would cost. 9 times out of 10, it costs like a fraction of what you thought it in your mind had worked up to b. And in that moment, it becomes more attainable. So really doing the research on like, the neighborhood that you would want to live in, ideally, what that vacation home would cost in Colorado, or Palm Springs or Mexico or wherever. And so I would say starting with a clear vision and knowing the dollar amount tied to that. And then I always encourage my clients to make goals annually, but to do something called periodization. And so periodization, is the idea that, you know, we work harder towards the end of the period than we do during the rest of the year.
Susan: Yeah, the hustle at the end.
Kristin O’Neal: And you’re like going crazy trying to hit your year end goal, but in May and June, you’re just like, “Well…”
Kristin O’Neal: “…I have six months.” Yeah. So through implementing some sort of periodization model and breaking the year up before and running really hard for the end of…There’s a book called The 12 Week Year that explains this really well, and the guy that wrote it, Brian Moran, he works mostly with financial planners, and so that’s how I know about them. But it really can be applied to any business like ,running really hard for 12 weeks, then taking a week off or having a week to kind of regroup. A lot of other business owners I know work that way, and they have certain seasons where they’re really busy one time of the year, and really slow another time of the year. And so that might be a good year for planning. So really setting up your entire year having a good idea of what you want to accomplish per quarter. So those are, I say the top two things. The next thing I would do is get, especially if you’re new, get very, very clear on who your ideal client is.
Kristin O’Neal: It’s hard in the beginning, because you’re just like, “What I do is great, and everyone can benefit from it,” which is kind of true, but not really. And so when you walk into—I used to do a ton of networking, I still do some but not as much. When you walk into like one of those rooms, and someone asked you like, “Hey, who can I introduce you to?” and you’re just like, “Well, what I do is great for everyone, and anyone with skin could really appreciate what I do.”
Kristin O’Neal: It’s actually much more difficult for you to come up with a referral for me than if I said, you know, a working mom that has kids in preschool and daycare, like you can more easily identify something more specific. So I’m always encouraging people to get really clear on who their target market is and why they’re valuable for that specific market, because that’ll help you get better referrals. And work with people you like, you know, that you can really give some value?
Susan: Absolutely. I was talking to a friend just the other day, and she was like, “When was the last time like you really sat down and thought about your avatar, if you will,” which is the same thing. It’s like, “Who is your person?” And I was like, “Oh!” So literally, like, one day last week, I can’t remember what day it was, maybe even just Friday. So this was really recently that I sat down myself, because I haven’t done it in probably over a year, and sat down and rethought that out, and I took like an hour and a half to like, okay, who is she? What is she doing? And she’s changed a little bit since my my business has started off. So I thought that was interesting that not only have I been able to narrow it down, but I’ve had it somewhat narrowed down, but I was able to narrow it down even further as to, “Woo, she might not be doing this. She’s definitely doing this.” And so that’s a really good piece of advice, that helps in so many different ways. Not only just with referrals, but like how do you market to this person? When do you post on social media? You know?
Kristin O’Neal: Right.
Susan: Is she at work? Or is she at home? Is she doing this? Or she doing this? Is it naptime or is it not?
Kristin O’Neal: Where might she be that I can run into her? And who do you say no to? Which is really one of the more important things, it’s who do I not take as a client and who should I refer to someone else?
Kristin O’Neal: And so once you get good at that, I mean, it just opens your calendar up to doing more of the things you want to do and getting paid what you’re worth, which is a whole other episode, I’m sure.
Susan: Oh, for sure. Yeah, we could go on and on.
Kristin O’Neal: We could go all day about that.
Susan: But yeah, and I think when you’re just starting out, I think for anybody who’s listening, who, they’re still new in this, I’m still new in this. But for anybody who’s really still new in this, like probably younger than six months, you’re not going to know all… You probably won’t know all this in the very beginning. I shouldn’t say nobody will, but you probably won’t. And so just taking the time to really sit down, I think, how often would you do this? How often would you sit down and reevaluate this stuff? What would you recommend?
Kristin O’Neal: So I don’t really reevaluate my target market often. I just heard that things change gradually. So my first year in the business, I would talk to anybody that would talk to me. So depending on the type, because I didn’t know what would be good or not, I knew that all the other financial advisors were trying to work with medical residents. And there was like a, you know, there’s certain types of people they wanted to work with. And what I found is I didn’t work like the guys in my office. And I also got really annoyed going to networking events, and there would be 12 financial advisors there. And so I just started going places where the guys weren’t going on.
And so that’s sort of, I started doing certain types of networking, which led me to working with more business owners. And also, I made friends with people who really, who got what I did, because they were also doing it, they were also up there building their business. And so I think over time, you begin to just kind of get like, I really am not that effective at helping…Let me think. Who do I not help? Well, I am maybe not that effective…. I’m trying to think of who I don’t work with well. I haven’t done any any work with someone that wasn’t a good fit lately so it’s hard to think of it.
But like, I don’t like to work with surgeons. Surgeons make a ton of money. So in theory, that would be a great client for me. But in reality, they tend to be a lot more demanding, their schedules are crazy, and you’re like begging them to do things. And I don’t like to be in situations where I’m begging clients to do stuff when I’m working for them. Especially because they’re paying me to do it. And I also don’t like to go to hospitals. I’m weird, I don’t like to go to hospital. So I kind of developed this rule where I was like, I’ll work with a physician that’s in private practice. I like to work with nurse practitioners, they’re usually in like, you know, like an office complex, they’re not in the hospital, and I hate walking in the parking garage, and trying to find, like, all that stuff. That’s good enough of a reason for me not to work with those sort of people.
Now, don’t get me wrong. If I’m at brunch, and some girl’s like, “I’m a surgeon, I really want your help.” I’ll talk to her. But I’m not going to develop a market where I’m going out and trying to, like actively seek relationships where I’m in hospitals all the time because I don’t like that. It can be that simple.
Kristin O’Neal: yeah, it can be that simple.
Susan: I think we’ve touched on this a little bit, because you have a financial piece that I think not a lot of other consulting firms can offer or consultants can offer. When you think about yourself, and what differentiates yourself from other consultants, that’s clearly a huge piece. What are some of the other things that have helped you differentiate yourself?Kristin O’Neal: So I’m a specialist when it comes to working with females primary income earners. So they’re the women you know, that out earns her husband or a girl that is single and out earns most of men she dates, like, that’s a really specific dynamic. And so there’s a lot of emotional stuff that goes along with that. And so I would say that’s one area. And I’m not shy about it, I think a lot of people might be. So that’s one area where I feel like I’m really differentiated. And I also, like I said, for the most part, will only really work with someone who’s in a service based business. So this is an attorney, someone in marketing. And then I’m only really here to work on a project type basis. So if you’re looking for ongoing support on the business coaching side, I probably wouldn’t be a good fit for that. And so that would be another way that I might be different than working with maybe a larger consulting firm.
Susan: Got it. But you have people that you can refer people to. So I think that that’s really helpful. And I also appreciate that you know your specialty, and you know what you’re good at. And for things that aren’t in your wheelhouse, you’re willing to share those with others. And it seems like you’re really good about connecting with other women and lifting other women who are also doing like their own thing. Like, you mentioned your business coach, how you referred people to her. And I think that that’s really fascinating. And I think that that’s so important to support other women. And as you’re supporting yourself, as you’re supporting your own clients, supporting other women and businesses. I think it’s really interesting and important.
Kristin O’Neal: It’s just really easy to do. I feel like the alternative, which is, well, I guess the alternative is do nothing. And then the other alternative is tear people down and tell people why you’re better than that other woman doing that over there. It’s kind of exhausting. It just feels like a lot of work to do it the other way. So why not just have friends and share with them and let them do what they’re good at. And you know, I do what I’m good at.
Susan: Well, and you’re also somebody who’s very to the point, which I appreciate. I think that that’s not always an easy person to find. You know, I can ramble on to the wall sometimes, you know, and have a conversation. But you’re like, nope, this is what I do, and this is who I can help, and this is what I offer. And I just think that that’s really refreshing.
Kristin O’Neal: Well, thank you. It’s a learned behavior. You know, in the beginning…And you’ll experience this, like you say yes to projects, and then you’re in them and you hate it. And you hate it and they’re paying you a lot of money and you still hate it, then something goes wrong, and you refund them all the money. And then you’re like, “This was a giant waste of time. This client was never a good fit. And I should never taken it.” Like, you learn that lesson once or twice, and then you just get really clear about who you’re not going to work for. And then that just saves you the time. But yeah, I’ve been accused of being direct more than once.
Susan: I love, though. I wish I was more that way. Like they’re things that I wish for.
Kristin O’Neal: I have learned to soften it, too.
Susan: Oh, yes. That’s a whole other podcast episode about how women have to soften themselves in the business world and in any world.
Kristin O’Neal: Yep. Actually moving to Dallas from Southern California, and LA, growing up in LA, I could say pretty much whatever I wanted and everyone thought it was cute. And then I moved to Dallas and really [Laughter]
Susan: yeah, I understand that a little bit.
Kristin O’Neal: Yeah, I’ve learned how to do a lot of things differently in Dallas.
Susan: So I originally grew up in South Carolina, and had to learn things, and I learned things one way. And then I moved to New York City, and realized that I could talk a little more freely, if you will. So I did, but I said it with a southern accent. So everybody thought it was cute, and it was fine and all hunky dory. And then I moved to Dallas and I was like, “Oh, it’s a little bit of an in between. It’s like both New York and South Carolina at the same time, and I don’t know how to handle this.”
Kristin O’Neal: Bless your heart.
Susan: Bless your heart.
Kristin O’Neal: Bless your heart.
Susan: Okay, so this has been shorter than I thought it would be but I have loved every minute of it. Tell us, what do we need to know…If somebody is out there…Because a lot of my listeners are really just now, they’re moms who may have stayed at home a little bit, but they’ve got some space, they’re starting their own thing, they’re rediscovering themselves, really, that’s where they’re at. They’re at a point in their life where they can rediscover themselves and they’re going out there, and they’re figuring out who am I again? What am I as a mom now? And I still need my own thing. So what does that look like? And a lot of them are, you know, some of them are doing the MLM thing. Some of them are starting their own thing. And because you’ve been there, I think, a little bit, what are some of the things that you…Are there any pieces of advice, or words of wisdom that you would offer?
Kristin O’Neal: So much. Advice or words. think it’s more important when you have children, I don’t have children, I have a puppy so it’s not the same. But I think it’s more important for your children, that what you’re doing, like that what you’re leaving the house for, is really making an impact, or you’re getting what you want out of it. And so if it’s making money, or if it’s building relationships, or like, world peace, whatever you’re leaving the house for has to really be worth it. And so, when I was younger, my mom actually worked for a direct sales organization called and she didn’t work outside of the house, other than that, but she would go out at night and on the weekends and do parties. It’s kind of like a Pampered Chef William Sonoma kind of a thing, if you’re not familiar with it.
Kristin O’Neal: And so as a child seeing her going out and doing that, I didn’t realize what impression that made on me, like, I become a lot of the “salesperson” that she was and is. And so that was like a positive thing that I saw growing up. But imagine if it had been like something that she had, like, and she was really trips and all that stuff She went to Rome, she did all that stuff. But imagine if it was like her coming home every night and just being miserable about it, or not being successful at it, because kids pick up on that stuff.
Susan: yes, they do.
Kristin O’Neal: So I would say make sure that what you’re doing is like really specific and meaningful. And that might mean that you need to do like some market research, you might need to call a few people or you know, go slower and like, really get your process down and really understand what your clients are looking for and get all that done right. It’ll keep you from having to do it later down the line, which can be a little more difficult fighting that. I guess that’s my advice for today. I’m like, “Is this what I’m saying to the world?” “Yes.” Build it like slow and good, instead of…Just a really great foundation, than like fast and loose and have to pick up the pieces later.
Susan: Okay, I know somebody in my audience is going to really appreciate that because I really appreciated that.
Kristin O’Neal: Oh, thank you. I was like, that’s good. We got one person.
Susan: So if that’s all you needed today, that is the one, because it was me, because I totally…
Kristin O’Neal: Good.
Susan: Even though I’m almost two years in, I’m totally there. Like, it’s hard. It’s hard when you feel like you have to be hustling all the time. Or you should.
Kristin O’Neal: Yeah.
Susan: I feel like you should be even when you’re not.
Kristin O’Neal: Yeah, you don’t have to be. I wrote…I do.. I think one of the things…You might have wanted to ask me about, like, tools I use or something. I don’t know why I got the idea of that question.
Susan: I did. I totally missed the question.
Kristin O’Neal: That’s okay. I was like, I wrote something down, I made some notes before we talk. So one of the things I try to do, I’m not perfect at this, but I try to do is like use a goal planner every day, and I’ll talk about the one I use and about something else. But one of the things I wrote down today is a belief, which is I’m at the point in my career where I don’t have to work as hard and I make a lot of money. And I wrote that down, not because I feel like it’s true, but more because when I’m not working, I feel like I should be working. And at this point, I should be like really strategic and effective in the time that I am working, but I should like not be working when I’m not working, if that makes sense.
Kristin O’Neal: And so it’s like thinking about working, right. Like, there was definitely a time period where I was always working. So I think being intentional with the time that you have set aside for work is important, which means you’re not, you know, taking your kids to the doctor and answering the phone and talking to girlfriends. I have a couple friends that I really love, but I’m Pacific Time Zone and they’re in Central and they call me at three o’clock because they’re off work. I’m not. So it’s just about kind of having those boundaries around your time, and… I don’t know if that answers your question.
Susan: No, it absolutely does. I was talking to another friend also in development this week, or last week, and she was talking about how she’s gone in and started just blocking her calendar with, okay, you know? And that way, she also doesn’t have to schedule stuff like outside like, “Nope, that’s for this. So if it fits this box, that’s great. But if it doesn’t, then it’s got to move to another, it’s got to go to a different time slot.” So I think that that is very, very important. And I’m learning to do that a little better.
Kristin O’Neal: The thing with self employed is not being off like…
Susan: Right.Kristin O’Neal: I will definitely go to a doctor’s appointment on Tuesday…Well, probably not on Tuesdays. I’m really busy Tuesday’s, but Friday at two o’clock. But what you don’t see is me working till seven or eight o’clock at night on a Friday. Like no one sees that part of entrepreneurship. They’re just like, “You can be off work whenever you want.” True. I can also take my laptop and go to Mexico for a week and work there. But there’s, you’re giving something up, there’s definitely a push and pour, give and take with that.Susan: You are absolutely correct. You’re absolutely correct. Well, thank you for bringing that background. Oh, and you said there was like one that you used that you really liked.
Kristin O’Neal: Yeah, so right now I’m using the best self journal. I like it because they also believe in periodization. And so they sell a journal that it’s a planner, but it’s highly customizable in terms of you can like start at any day, you don’t have to wait till January 1 or the end of a quarter to get started. And it’s set up to give you 12 weeks of space to plan your day, plan your month, write your goals out, commit to your goals. So I really like it and a little bit of journaling in gratitude morning and night, which is great.
I actually developed a journal last year. And one of the things I feel like I love journals, I also am the person that goes to school supplies section for no reason. And it’s hard for me because like I love journal, I love pens, I love pencil. Like, I don’t need any of this stuff and so I tried just not to go down the aisle. I love planners, not always have, I’ve always been one of those people who are really like, time-oriented. So the only thing I felt like, was missing from a lot of the journals I use was there was no sale, or revenue component to them. So I actually developed a journal that has a lot of the same characteristics but also takes into account, what do I need to make to be on track to live my best life? Like, hashtag right now. Hashtag living my best life.
Kristin O’Neal: What have I done specifically towards like, what tactics have I specifically done towards hitting that goal? How much money did I make today? Like, that kind of stuff. And so I have fully designed it. I’m trying to figure out how to print it. It will be called the Goal Planner because I’m really literal. And hopefully out this fall. You can’t see me but fingers are crossed. So if you want to keep track of me, ashtoncharles.co is my website. It’s A-S-H-T-O-N and then Charles, there’s a story behind the name on my website, check it out.
Susan: It’s a great story, I won’t leak it. But it’s a great story.
Kristin O’Neal: Don’t leak the story, they’ll never go to my website. Just kidding. I have an Instagram page, which I don’t have to very often. I think it’s @ashtoncharlesconsulting, maybe. It’s the same handle on Facebook. And I also am most of the way through with a book called The Girls Guide to Networking. I got a lot of feedback from men in of course, my industry on how to network, and relationships, but men and women turns out don’t build relationships the same way. And so I’ve really laid out like, what specifically it took to build my tribe. And now that I’ve moved from Dallas, back to San Diego, and I’m rebuilding again. Although I lived in San Diego before, it was 11 years ago, I was a child, basically, I wasn’t in this industry. And all of my friends have kids now and are married. That’s how I feel. And so their lives are different and they’re like not wanting to do the stuff I want to do and they’re also not trying to build businesses, I’m having to rebuild that community again. So proving that my method work, I’m out here, making really strategic connections, and it’s going a lot more smoothly this time. So I’m looking forward to having that out by the first of the year as well.
Susan: I was going to say when that comes out, send me a link because I want it.
Kristin O’Neal: Yeah, I will do that. It’s mostly done.
Susan: And I want to share it with my audience, for sure.
Kristin O’Neal: Yeah, I would love to do that. Thanks for doing that for me. I just felt like there was no book on it. And then everyone goes to these networking events and hands them a million business cards and they’re like, “No one ever calls me,” because you’re doing it wrong.
Susan: That’s not how we do it, yep.
Kristin O’Neal: But I had to put help from my business coach and just my own experience, I really had to get super strategic with how I did my networking. And now, in my business, most of my referrals come from other clients. But I do get incoming phone calls from referral partners who call to refer me business, which is not something that most people can say, at least in my industry. So wanted to share that with everyone. I feel like it’s easy, but it took me a while to get there. Like, it’s real intuitive but it took me a while to put it together, so I’ve put it together for you.
Susan: That’s awesome.
Kristin O’Neal: Yeah, thank you. Okay, two more things. I am really passionate about helping women build community, especially entrepreneurs. And so I do have a podcast; Season Two is pending, Season One is on iTunes, and all the cool places where podcast lives. It’s called The Tribe podcast by Ashton Charles. And essentially I’m just interviewing all my favorite business resources, mostly, but not all female. So my friend I mentioned that has a systems business, my business coach and my meditation coach, and my really good friend who’s in marketing, the person I like to refer to, like, do all the mortgages for my clients that I really love. Like, he’s a systems guru also, banker. So if you’ve ever wanted to know, like, do I really need to higher this CPA or this attorney? There is an episode more than likely about like, what this person does and when you should call them.
Susan: I love that. That’s awesome. And that is really needed.
Kristin O’Neal: Yeah, I just felt like I was referring the same people over and over again. And you know, it’s scary to call an attorney out of the phone book, or however we Google.
Kristin O’Neal: And be like, “Please don’t charge me a million dollars, I have this quick question” And so I have just identified some people that I’ve worked with in the past or that I really like that I think might be a good resource. And they’re all the type of people that would pick up the phone and answer your question and tell you, you either need to work with me or you don’t, or here’s what you should do. So that’s me sharing my network with all of you.Susan: I love it. And I will make sure to link your website, your podcast. When the book comes out, I’ll link that in the show notes as well. This has been an excellent conversation. I know it’s going to help somebody in my audience. It has definitely helped me. And I just really appreciate your time today, Kristin, it’s been a great having you on.
Kristin O’Neal: Yeah, of course. I appreciate it.
Susan: I don’t say that to everybody. I’ll probably edit that out.
Kristin O’Neal: I’m not going to go through all of your episodes and count, at who you said it turned out. I’ll actually be in Dallas on… When will I be in Dallas? I’m speaking at, University of Texas at Dallas is having a women’s conference, I’m doing a talk on vision casting called living your best life from inspiration to inspired action.
Susan: When is this? We need to talk about that.
Kristin O’Neal: It’s October 23rd, I believe. I would just say if you’re interested in attending this workshop, I am not headlining the workshop or the conference. My understanding is the founder of Poopourri is going to be the main speaker, and then they’re doing also a fireside chat with a woman who created Tips Treats. So either way, you’re getting cookies, which is good. But they’ll be a couple breakout session, I’m doing a breakout session called living your best life from inspiration to inspired action. And we’re going to talk about the first steps of vision casting and setting goals.
Susan: I think that’s excellent. And I think people who are located in Dallas, or the surrounding area who listen to this podcast should definitely check that out. And by the way, when you do go to those things, for me, those have been great networking opportunities, because those are like-minded women.
Kristin O’Neal: Right. They’re like-minded women, show up with… I try to show up to events like that, just with the intention to be present, and to help someone if help as needed. And I don’t go to those things like, “I’m going to find five clients today.” You know, that’s what the voice, they were like, “Go get five card, make somebody a client,” and then I just…It doesn’t feel like…
Susan: It doesn’t feel authentic, yeah.
Kristin O’Neal: So now I just show up, you know, wanting to learn something, give of myself and hopefully meet some people that I like.
Susan: Well, if you remember, I’ll try to look it up, but if you remember, shoot me a link to that. And I’ll make sure to link that as well. Thank you again, I really, really appreciate you being here and taking the time out of your busy work day to be with us. This has been really, really inspiring and really helpful.
Kristin O’Neal: Oh, thank you. It was a pleasure to be here. I’m glad to do it.
Susan: All right. Well, I will talk to you soon, friend, and I will try my darndest to get to that thing to your speaking engagement in October and see you again in person.
Kristin O’Neal: Okay, that would be great. Seems so busy and next month.
Susan: Good problems to have.
Kristin O’Neal: Yeah, I have a series of first world problems.
Susan: Don’t we all All right, friend. I will talk to you soon. Thanks so much.
Kristin O’Neal: Okay, of course. Bye-bye.