About Smart Start Podcast Presented by The Equitable Bank
Welcome to the Smart Start Podcast hosted by Tom Sattler, president of The Equitable Bank. Get ready to kickstart your financial journey with us! We believe in the power of community connection and are here to provide expert advice on home buying and financial planning. Our podcast showcases local businesses and organizations that are making a positive impact in our communities. Join us for engaging conversations and valuable insights that will empower you along your financial path. Whether you're a first-time homebuyer or a seasoned investor, this Podcast offers something for everyone.
Publisher
Smart Start Podcast Presented by The Equitable Bank
Starting with Clarity: What Drives Your Mortgage Rate
Mortgage rates can feel simple on the surface, but a lot goes into determining the rate a borrower actually receives. In this episode of the Smart Start Podcast by The Equitable Bank, Ashley Hess sits down with mortgage professionals Gary Rieboldt and Cara Reese to break down how mortgage rates really work. They discuss the impact of credit scores, down payments, loan terms, closing timelines, and more, while also clearing up common misconceptions about the mortgage process. In this episode, ...
2 Jul 2026
Starting with Insight: Making Sense of Today's Housing Market
On this episode of the Smart Start Podcast, we explore the realities shaping Wisconsin’s housing market in 2026 as Mike Cottrell is joined by returning guest Marcus Auerbach, owner of On Point Realty Group. In this episode, they cover: Low inventory & ongoing housing shortage“Golden handcuffs” keeping homeowners in placeFirst-time buyer affordability challengesPricing & competition in today’s marketMigration, cash buyers, and investor trendsThis episode brings a grounded, real-world p...
3 Sept 2025
Starting with Confidence: Empowered Homebuying Through Trusted Guidance
In today’s fast-moving real estate market, winning an offer goes far beyond price — it comes down to preparation, strategy, and surrounding yourself with the right experts. In this episode of The Smart Start Podcast, host Tom Sattler sits down with Suzanne Powers and Gretchen Keating of Powers Realty Group, along with Gary Rieboldt, Senior Lender at The Equitable Bank, to break down what it really takes to succeed in today’s buying environment, including: • Proven tactics for competing in a c...
3 Sept 2025
Starting with Trust: What Homebuyers Should Know from Two Mortgage Experts
In this episode of The Smart Start Podcast, we sit down with mortgage experts Tom Toepfer and Gary Reiboldt from The Equitable Bank for a thoughtful discussion about today’s home lending landscape. Insights from this episode include: Navigating Today’s Mortgage MarketHow to Remove Stress from the Homebuying ProcessWhat Makes Equitable Bank Stand Out for Home LoansTop Mortgage Tip for First-Time HomebuyersDo You Really Need 20% Down to Buy a Home?And more!Whether you’re preparing to buy ...
27 Aug 2025
Starting Relationships: The Lasting Impact of Community Banking
Community banking isn’t just about numbers—it’s about people, relationships, and being there through every milestone. In this episode of the Smart Start Podcast, host Michelle Ward turns the tables and interviews Tom Sattler, President & CEO of The Equitable Bank, for an inside look at what community banking truly means. Tom explains how staying locally focused allows the bank to make decisions that directly support neighbors, small businesses, and families—whether they’re buying their fi...
27 Aug 2025
Starting with Purpose: Building Wealth and Community through Real Estate Investing
In this episode of The Smart Start Podcast, Tom Sattler is joined by Marcus Auerbach—Realtor, investor, and advocate for community-focused development—to explore how real estate can be a powerful tool for building both financial stability and stronger neighborhoods. Marcus walks through his own path in real estate investing and shares practical lessons, strategies, and mindset shifts that have helped him invest with purpose. From first-time investors to those looking to deepen their knowledge...
20 Aug 2025
Starting Secure: Why Estate Planning Matters at Every Stage of Life
On this episode of The Smart Start Podcast, Attorney Doug Knoff of Knoff Law LLC joins us to break down why estate planning matters at every age. From healthcare directives for college-aged children to organizing plans for growing families and aging parents, Doug offers clear, practical guidance to help you stay ahead of life’s unknowns. No matter where you are in life — supporting your kids, caring for a parent, or planning ahead for yourself — this conversation offers clear, reassurin...
20 Aug 2025
Starting Safeguards: Protecting Against Check Fraud in a Growing Threat Landscape
In this episode, we dive deep into the issue of check fraud, one of the fastest-growing financial scams affecting individuals and families today. As fraud schemes evolve, it's crucial to stay informed and take the right steps to protect yourself and your loved ones. We're joined by Scott Birrenkott, Director of Legal Affairs at the Wisconsin Bankers Association (WBA), who shares his expert insights on identifying and preventing check fraud. With Scott’s extensive experience in the banking in...
20 Mar 2024
Starting Anew: Navigating the Transition to Options for Senior Living
Join us as we delve into the world of senior living with Bruce Nemovitz, a seasoned Senior Real Estate Specialist, and later, Courtney and Derek from Assisted Living Advocates. Bruce shares invaluable insights gathered directly from seniors, exploring their concerns and decision-making processes when transitioning to new living arrangements. Discover the factors influencing seniors' decisions and Bruce's personal journey in helping seniors and their families. Then we are joined by Courtney and Derek, who shed light on navigating the complexities of assisted living, offering guidance and support to those embarking on this journey. Gain insight into common challenges faced by seniors and their families, and learn how Assisted Living Advocates simplify the process with their expertise. Don't miss out on this insightful discussion and be sure to visit Bruce's Team’s and Assisted Living Advocates' websites for more information.
15 Jan 2024
Starting in our Community: Banking, Housing, and Financial Literacy
Join us on the Smart Start Podcast presented by The Equitable Bank as we delve into the world of financial education and homeownership with two inspiring nonprofit leaders. First up is Cassie Krause, Executive Director of the Wisconsin Banker’s Foundation. Discover when and how kids should start learning about financial literacy, explore the Foundation's educational tools, and understand the process for grants and scholarships.
Later in the episode, Trena Bond, Executive Director of Housing Resources, Inc of Milwaukee (HRI), shares the origins of HRI, busts common misconceptions about affordability and homeownership, and emphasizes the importance of education for aspiring homebuyers. Learn about HRI's impact, accessibility of programs, and how future homeowners can qualify for grants. Don't miss out on valuable insights that could shape your financial future!
Tune in and empower yourself with knowledge. For more information, visit the Wisconsin Banker’s Foundation at https://wisbankfoundation.org/ (https://wisbankfoundation.org/) and Housing Resources, Inc at https://hri-wi.org/ (https://hri-wi.org/).
5 Jan 2024
Starting on the Right Foot: A Guide to Building Financial Foundations
Join us in our latest episode, “Starting on the Right Foot: A Guide to Building Financial Foundations.” In the second part of our episode, we introduce you to John Henningfield, Investment Executive for Equitable Investment Center. John will walk you through practical, beginner-friendly strategies to simplify the basics of investing, ensuring you're well-prepared to navigate the world of finance. Tune in to this episode and embark on a journey towards financial empowerment and security. Whether you're just starting or looking to enhance your financial knowledge, this episode has something for everyone.
Don't miss out on valuable insights that can help you put your best foot forward in the world of finance. For more information on Equitable Investment Center visit: https://www.equitableinvestmentcenter.com/ (https://www.equitableinvestmentcenter.com/)
*Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.
20 Oct 2023
Starting on the Right Foot. A Guide to Building Financial Foundations Part 1
Part One: BankOn Milwaukee's Financial Foundations
Join us in our latest episode, "Starting on the Right Foot: A Guide to Building Financial Foundations," as we explore BankOn Milwaukee's vital contributions to the city. Discover a wealth of resources for the community and delve into their seamless collaborations with local groups and financial institutions. We'll also shed light on core financial education principles and the transformative power of taking the first steps on your financial journey. Listen to guest, Kristi Luzar, the Executive Director of Urban Economic Development Association (UEDA) of Wisconsin, Inc shares her wisdom and expertise on the importance of collaboration between local groups and financial institutions, and how this partnership can pave the way for financial success in our communities.
20 Oct 2023
Episode 4 Starting on the Right Foot. A Guide to Building Financial Foundations Part 1
Part One: BankOn Milwaukee's Financial Foundations
Join us in our latest episode, "Starting on the Right Foot: A Guide to Building Financial Foundations," as we explore BankOn Milwaukee's vital contributions to the city. Discover a wealth of resources for the community and delve into their seamless collaborations with local groups and financial institutions. We'll also shed light on core financial education principles and the transformative power of taking the first steps on your financial journey. Listen to guest, Kristi Luzar, the Executive Director of Urban Economic Development Association (UEDA) of Wisconsin, Inc shares her wisdom and expertise on the importance of collaboration between local groups and financial institutions, and how this partnership can pave the way for financial success in our communities.
10 Jul 2023
Starting Local: Unveiling the Success Stories of Genuine Brands and Personal Connections
In this episode of the Smart Start Podcast presented by The Equitable Bank, we delve into the inspiring stories of two local businesses—an innovative boutique advertising agency, Z2Marketing, and a family-run printing company, Wisconsin Legal Blank. Join us as we uncover their humble beginnings, the challenges they faced along the way, and the secrets behind their remarkable success today. Discover how these businesses have found a perfect match in working with a community bank and how their collaboration has played a role in their growth. Tune in for an insightful conversation on entrepreneurship, community engagement, and the power of local partnerships.
8 Jun 2023
Starting Ahead: Navigating the Real Estate Maze in a Competitive Market
In this episode, the Smart Start Podcast dives into the complexity of simultaneously buying and selling a home in the current competitive market. Join our panel of experts, featuring a seasoned realtor from RE/MAX Lakeside and a knowledgeable home inspector from Good Land Inspection. Learn from experienced loan officers at The Equitable Bank about tailored home financing options. Gain valuable strategies, tips, and guidance to make informed decisions, stand out in a competitive market, and maximize opportunities.
12 May 2023
Starting Strong A Beginner's Guide to Buying Your First Home I Smart Start Podcast Presented By The Equitable Bank
The Smart Start Podcast by The Equitable Bank is a great resource for those looking to navigate the home buying process with confidence and learn about smart financing ideas. In this inaugural episode, "Starting Strong: A Beginner's Guide to Buying Your First Home", host Tom Sattler discusses the importance of community banking and its role in making the home buying process smoother.
Guests Mary Edwards of Realty Executives and Veron Gray, Community Lending Director of The Equitable Bank, share valuable insights and tips, including clear communication with streamlined processing and anxiety-reducing tips for closing. Additionally, listeners will hear from Mario Monterey and Sarah Emmanuelle, two loan officers at The Equitable Bank who have a unique perspective on the challenges and opportunities that first-time homebuyers face at every stage of the process.
Don't forget to subscribe and follow The Smart Start Podcast on social media for even more smart financing ideas and stay tuned for future episodes featuring even more insights and tips for starting smart. And as Tom says, "There are no problems, only solutions!"
Contact Smart Start Podcast Presented by The Equitable Bank
Guest appearances
Books guests
Based on episode analysis; this does not confirm that the show is currently accepting guests.
Host of Smart Start Podcast Presented by The Equitable Bank?
Claim your podcast to manage its listing and keep your show details accurate.
Pod Engine is an independent podcast discovery and analytics service and is not affiliated with or endorsed by this podcast. Artwork and show content belong to their owners. Full legal notice.
Explore this show Podcast research with Pod Engine
