South of SF

About South of SF

Welcome to South of SF, the podcast spotlighting the best of the Peninsula. From Half Moon Bay to Redwood City, we bring you authentic conversations with the entrepreneurs, experts, and local legends shaping life and business just south of San Francisco. Whether you're a local looking for trusted services or a listener curious about the stories behind the storefronts, you’ll find real people, real talk, and real connection here. Hosted by Ranger, a business coach and community builder, this show exists to boost visibility for local professionals and help neighbors discover who’s doing good work in their own backyard. Know a business that deserves a spotlight? DM us on Instagram @SouthofSF

Publisher

Ranger Kielak

Category

business · leisure

Language

en

Explicit

No

First episode

30 Jul 2025

Latest episode

16 Mar 2026

Latest episodes

17 episodes in the feed.

1. 

   16 Mar 2026

   Unlocking Your Home's Equity Without More Debt: Mark Rogers on a Different Kind of Financial Tool

   This episode brought to you by Within Range Coaching. Ready to get unstuck and start building a life that actually fits? Claim your free 30-minute clarity session HERE (https://calendly.com/withinrangecoaching/south-of-sf-30-minute-clarity-session). Your home might be worth $1.8 million, but if you've only got $1,800 in the bank, that wealth isn't doing much for you. Mark Rogers has spent his career solving exactly this problem. After 30 years in the corporate world—including co-founding a billion-dollar venture capital firm and serving as interim CEO for multiple companies—Mark now runs Barrestone in San Mateo, helping homeowners access their equity without taking on more debt. The tool? A home equity agreement that requires no monthly payments and only settles when you sell, refinance, or reach the end of the term. In this conversation, Mark explains why the traditional cash-out refi doesn't work for most homeowners anymore (hint: trading your 2.5% mortgage for a 6.75% one isn't a great deal), how credit card utilization tanks your credit score and locks you out of conventional options, and the story of an 87-year-old woman who finally stopped worrying about whether she could afford to fix her dishwasher. In this episode: Why homeowners now have access to the same equity tools corporations have used for decades The credit score trap: how high utilization prevents you from solving the problem causing it Real stories of homeowners using equity for weddings, medical bills, and "comfort cash" How one client went from a sub-600 credit score to 690 and refinanced out of the program entirely Connect with Mark Rogers: Website: Mend-Solutions.com (http://Mend-Solutions.com) Phone: 650-464-7272 Company: Barrestone (San Mateo) Also mentioned: NAMI (National Alliance on Mental Illness) Anita Vareles from Neighborly Senior Placement This podcast is produced by Within Range Life Coaching LLC—helping you tend to what matters, one conversation at a time.

2. 

   2 Mar 2026

   The Devil's in the Details: David Flaig on What Your Insurance Actually Covers

   This episode brought to you by Within Range Coaching. Ready to get unstuck and start building a life that actually fits? Claim your free 30-minute clarity session HERE (https://calendly.com/withinrangecoaching/south-of-sf-30-minute-clarity-session). You probably think you have "full coverage." David Flaig has heard that phrase thousands of times—and it almost never means what people think it means. For over 23 years, David has been the insurance guy on the Peninsula, helping families and businesses navigate the complicated maze of policies, fine print, and those middle-of-the-night questions like "should I file a claim for this or not?" As the founder of Flag Insurance Services in San Mateo, he's built his practice on one core principle: educate first, then let the client decide. In this conversation, David breaks down why the 15-minute insurance quotes are often a trap, what the mysterious "clue database" is and why it matters, and the story of a client who filed a $2,000 claim that ended up costing her thousands more in premiums. In this episode: Why you should talk to your agent before filing any claim The perfect storm hitting California insurance right now (and why we're all paying for the LA wildfires) How often you should actually review your policy (hint: at least annually) The engagement ring question, the Italy rental car question, and other things people forget to ask Connect with David Flagg: Website: DavidFlaig.com (http://DavidFlaig.com) Phone, email, text: All available on the website Also mentioned: Anita Varela from Neighborly Senior Placement This podcast is produced by Within Range Life Coaching LLC—helping you tend to what matters, one conversation at a time.

3. 

   16 Feb 2026

   Your Website Isn't a Checkbox: Will Strohl on Building a Digital Presence That Actually Works

   This episode brought to you by Within Range Coaching. Ready to get unstuck and start building a life that actually fits? Claim your free 30-minute clarity session HERE (https://calendly.com/withinrangecoaching/south-of-sf-30-minute-clarity-session). --- Most businesses treat their website like a checkbox—something they built years ago and haven't touched since. Will Strohl wants to change that. As the founder and CEO of Upendo Ventures, Will has spent over two decades helping businesses turn their websites from digital dust collectors into lead-generating machines. Before focusing on small businesses, he cut his teeth on enterprise projects for companies you'd recognize (he can't say which ones, but they have trucks in most states). In this conversation, Will breaks down why your website is the backbone of your entire online presence, how search engines actually decide who shows up first, and the one stat that should make every business owner uncomfortable about their current site. In this episode: Why "set it and forget it" is killing your online visibility The bounce rate reality check (hint: you're probably losing 60% of visitors immediately) How AI search is changing the game for small businesses The early internet moment that hooked Will on web development for life Connect with Will Strohl: Website: UpendoVentures.com (http://UpendoVentures.com) Link hub: beacons.ai/upendoventures (http://beacons.ai/upendoventures) Special offer: Mention this podcast for a deal on services Also mentioned: San Carlos Business Networking Group (https://scbng.org/) Viv Kelvin from Vabrato Real Estate Aman Thakral from Integrated Solutions Carmen Avila formerly from Glam Roofing --- This podcast is produced by Within Range Life Coaching LLC—helping you tend to what matters, one conversation at a time.

4. 

   2 Feb 2026

   From Pioneer Woman to Community Builder: Viv Kelvin on Finding Home on the Peninsula

   This episode brought to you by Within Range Coaching. Ready to get unstuck and start building a life that actually fits? Claim your free 30-minute clarity session HERE (https://calendly.com/withinrangecoaching/south-of-sf-30-minute-clarity-session). ---- When Viv Kelvin's husband came home in 2001 and said they were moving from England to Fremont, she didn't even know where that was. He pulled out a map, told her everyone barbecues outside, and she was sold. What followed was a crash course in the American dream—selling everything they owned, arriving with a two and three year old, and discovering that their five-bedroom house in the English countryside wouldn't even buy a shoebox in the Bay Area. Her friends called her Pioneer Woman. She taught spinning at the YMCA, ate ramen noodles, and saved every penny until they bought their first home in San Carlos in 2004. Now, as a broker associate and partner at Vibrato Real Estate, Viv has made it her mission to help others navigate the same journey. She doesn't just sell houses—she mothers her clients through the process, answers the "stupid" questions (those are usually the good ones), and uses what she calls "Jedi mind tricks" to get offers accepted in competitive markets. In this episode: Why asking "what does the seller want?" is the most overlooked question in real estate How Viv gets offers accepted when it's not about the highest bid The story behind San Carlos Life and why she built it during COVID What throwing a block party every year has taught her about community Connect with Viv Kelvin: Website: Vabrato.com (http://Vabrato.com) Platform: SanCarlosLife.com (http://SanCarlosLife.com) Social: Instagram (https://www.instagram.com/VabratoRealEstate), Facebook (https://www.facebook.com/VabratoRealEstate), TikTok (https://www.tiktok.com/@vabratorealestate), LinkedIn (https://www.linkedin.com/in/vivienne-kelvin-sres-16703317/) Phone: ---- This podcast is produced by Within Range Life Coaching LLC—helping you tend to what matters, one conversation at a time.

5. 

   19 Jan 2026

   The Gordon Ramsey of Bookkeeping: Ruchi Gowda on Financial Clarity and Accountability

   This episode brought to you by Within Range Coaching. Ready to get unstuck and start building a life that actually fits? Claim your free 30-minute clarity session HERE (https://calendly.com/withinrangecoaching/south-of-sf-30-minute-clarity-session). ---------- Most business owners didn't start their company to stare at spreadsheets. But somewhere between chasing invoices and dreading tax season, the numbers become this thing we avoid—because looking too closely might mean facing a reality we're not ready for. Ruchi Gowda has been helping Bay Area business owners face those numbers since 2001. As the founder of Ruchi's Professional Bookkeeping, she doesn't just clean up your books—she teaches you how to read them, understand them, and actually use them to make better decisions. Her first client from 2001? Still with her today. In this conversation, Ruchi shares why people avoid their finances (hint: it's like avoiding the doctor), how she teaches families to break generational spending habits, and the one gift card trick that might change how you think about your daily coffee run. In this episode: Why your bookkeeper should be a teacher, not just a technician The mindset shift that helps business owners stop fearing their financials How Ruchi helped a client recover $35,000 from the IRS Simple accountability tactics that actually stick Connect with Ruchi Gowda: Phone: 408-813-8248 Email: ruchi@ruchisbookkeeping.com (mailto:ruchi@ruchisbookkeeping.com) Website: ruchisbookkeeping.com (http://ruchisbookkeeping.com) ------------- This podcast is produced by Within Range Life Coaching LLC—helping you tend to what matters, one conversation at a time.

6. 

   5 Jan 2026

   Financial Clarity Without the Overwhelm: John Hall on Daily Money Management

   Managing money feels like a second job most of us never trained for. John Hall spent 30 years in healthcare finance at Kaiser, Stanford, and UCSF before founding ZenZone Money Management to help people take control of their financial lives—not by replacing their CPA or wealth manager, but by becoming the boots-on-the-ground partner who tracks the details, spots the surprises before they hit, and connects the dots between where you are and where you want to be. In this conversation, John shares how his mother's dementia led him to this work, why the "4% rule" for retirement withdrawals doesn't apply to every situation, and what it actually looks like to help a family navigate the gut-wrenching decision between assisted living and independence. In this episode: What a daily money manager does (and doesn't do) Why broad financial rules often fail individual situations How John balances analytical rigor with the emotional reality of big life decisions The value of having someone in your corner month after month, not just once a year Connect with John Hall: Website: ZenZoneMoneyManagement.com (http://ZenZoneMoneyManagement.com) Email: john@zenzonemoneymangement.com (mailto:john@zenzonemoneymangement.com) Phone: 650-249-9369 Book a free discovery call through his Calendly link on the website

7. 

   12 Dec 2025

   A Half-Billion in Sales: A Conversation with Real Estate Advisor Dan Ziony

   In a real estate market as competitive and emotionally charged as the San Francisco Peninsula, you need more than an agent—you need a master strategist. What if that strategist honed his skills not in real estate, but in the high-stakes world of Silicon Valley human resources, coaching executives and negotiating for powerhouse tech firms? In this episode, Ranger sits down with Dan Ziony, a Compass real estate advisor with over 350 transactions and half a billion dollars in sales volume. Dan shares his remarkable journey from a director-level HR career to the pinnacle of Peninsula real estate. Discover the surprising parallels between staffing a tech startup and selling a luxury home, and learn how the skills of managing people translate directly into a superpower for navigating complex deals. Dan also shares an incredible story about how a mysterious gas leak during an open house led to a masterclass in patience, problem-solving, and ultimately, a $200,000+ better outcome for his clients. About Our Guest Dan Ziony is a residential real estate advisor with Compass, specializing in helping home buyers and sellers on the Peninsula and in Silicon Valley. A longtime resident of Palo Alto and Menlo Park, Dan brings a lifetime of local knowledge to his practice. Before his real estate career began in 2002, he managed human resources for prestigious tech firms and startups, developing a deep expertise in negotiation, coaching, and managing complex, emotionally-charged situations. He leverages this unique background to act as a calming, trusted advisor, helping his clients navigate the complexities of real estate while minimizing risk and stress. Episode Highlights [02:38] The Core Problem: Dan defines his primary role: solving the complexity, risk, and emotional stress inherent in buying or selling a home. [05:08] The Calming Influence: Dan discusses his strategy for managing the conflict between the business and emotional sides of a real estate transaction. [06:17] From HR Powerhouse to Real Estate Pro: Dan shares the story of his career transition during the dot-com bust and how his love for open houses led him to a new path. [09:28] The Surprising Parallels: Discover the direct and unexpected similarities between HR (staffing, employee relations, marketing the firm) and real estate (finding homes, managing transactions, marketing a property). [17:12] The Mystery of the Gas Leak: A wild story about a last-minute crisis that, through patience and strategic problem-solving, resulted in the sellers earning over $200,000 more than their initial offer. [24:02] The Biggest Misconception: Dan addresses the common problem of "not knowing where to start" and explains his anti-sales philosophy of facilitating decisions, not pushing a sale. Connect with Dan & Ranger Connect with Dan Ziony: Phone/Text: (650) 201-1010 Email: dan.ziony@compass.com (mailto:dan.ziony@compass.com) Connect with the South of SF Podcast: Host: Ranger Kielak Support the Show: Know someone thinking about buying or selling on the Peninsula? Share this episode with them! Subscribe to get to know the trusted experts and community leaders who make our area special.

8. 

   12 Dec 2025

   Beyond the Bank: Creative Home Financing on the Peninsula with Michelle Velez

   For many on the Peninsula, the dream of homeownership can feel out of reach, buried under a mountain of paperwork, confusing jargon, and daunting financial requirements. To navigate this complex world, you need more than just a loan officer—you need a seasoned expert who has not only mastered the system but helped shape it. In this episode, Ranger sits down with Michelle Velez, a Certified Mortgage Consultant with over 30 years of industry experience. Michelle is a true leader in her field, having served as the two-time state president for the California Association of Mortgage Professionals and as an instructor who educates the next generation of loan officers. Listen in as Michelle breaks down common home-buying myths (like needing 20% down!), explains the crucial difference between a bank and a mortgage broker, and shares real-life stories of how she found creative, out-of-the-box solutions to get her clients into their dream homes. About Our Guest Michelle Velez is a Certified Mortgage Consultant and a Certified Veteran Lending Specialist with over three decades of experience in the mortgage industry. As a mortgage broker, she has access to a wide array of lending products, allowing her to find tailored solutions that big banks can't offer. Her commitment to her profession is demonstrated by her extensive leadership roles, including serving as a two-time state president for the California Association of Mortgage Professionals (CAMP) and her work as a continuing education instructor for other loan officers. Michelle is deeply rooted in the Bay Area community and currently serves as the Diversity and Inclusion Chair for the San Mateo County Association of Realtors. Episode Highlights (02:48) A Certified Expert: Michelle explains what her rare certifications mean and how they allow her to provide a higher level of service to her clients. (03:58) "Outside the Box" Solutions: Michelle shares a powerful story of helping a client with a lower credit score and minimal down payment secure FHA financing when another lender said it was impossible. (06:25) Broker vs. Bank: Discover the critical difference between working with a mortgage broker versus a traditional bank and how "guideline overlays" can impact your loan approval. (11:49) Leading Through Crisis: Michelle recounts her experience during the 2008 mortgage meltdown. (19:46) Serving Our Veterans: As a Certified Veteran Lending Specialist, Michelle breaks down the nuances of VA loans. (23:09) Debunking Major Myths: Michelle tackles the two biggest misconceptions that stop people from buying a home: the belief that you need 20% down and that you must have perfect credit. Connect with Michelle & Ranger Connect with Michelle Velez: Phone: (650) 302-0692 Email: michelle@mtgdyngroup.com (mailto:michelle@mtgdyngroup.com) Facebook: Home Loans by Michelle Velez License Number: NMLS #272427 Connect with the South of SF Podcast: Host: Ranger Kielak Email: ranger@withinrangecoaching.com (mailto:ranger@withinrangecoaching.com) Support the Show: Know someone thinking about buying a home? Share this episode with them! Subscribe to get to know the trusted experts and community leaders who make the Peninsula a great place to live.

9. 

   27 Sept 2025

   Wearing Your Story: The Art of Heirloom Jewelry Redesign with Jen Hancox

   So many of us have one: a small, velvet-lined box holding a piece of family history. It’s full of sentiment, but it’s not quite your style, so it sits unworn. What if you could transform that dormant treasure into a stunning, wearable piece that perfectly captures both its legacy and your personality? In this episode, Ranger sits down with Jen Hancox, a GIA Accredited Jewelry Professional and the founder of The Edna Collective in Burlingame. Jen shares her unique journey from the high-stakes world of fine dining to the intricate art of fine jewelry. She demystifies the custom design process, explaining how redesigning an heirloom is often more accessible and meaningful than buying off the shelf. Listen in for a masterclass in how to honor the past while creating something beautiful for your present, the importance of independent appraisals, and why the most valuable jewelry is the jewelry that gets worn. About Our Guest: Jen Hancox Jen Hancox is the Chief Designer and Appraiser at The Edna Collective, a custom jewelry studio based in Burlingame, CA. After a long and successful career in high-end restaurant management, Jen pivoted to her passion, becoming a GIA Accredited Jewelry Professional. She specializes in breathing new life into family heirlooms, creating bespoke pieces from scratch, and providing independent, conflict-of-interest-free appraisals. Jen is also an active member of the Peninsula community, serving on the board of the San Mateo Chamber of Commerce and volunteering at the Central Park Arboretum. Episode Highlights & Key Topics: [03:26] The "Tailoring" Analogy: Jen explains custom jewelry design with a brilliant and simple analogy that makes it instantly relatable. [05:41] From Fine Dining to Fine Jewelry: Jen shares her fascinating career pivot and how the high-touch skills from the restaurant world translate perfectly to serving jewelry clients. [11:19] Overcoming the "Heirloom Stigma": A powerful discussion on why redesigning a family piece isn't erasing history, but rather honoring it by making it wearable for a new generation. [16:36] A Real-Life Redesign Challenge: Jen walks through a story of navigating a family disagreement to create a beautiful piece, showcasing how her work is as much about people as it is about jewelry. [17:36] The Truth About Appraisals & Value: Learn the difference between replacement value and fair market value, and why getting an appraisal from someone who isn't trying to buy your jewelry is crucial for an honest assessment. [20:28] The Biggest Misconception: Jen addresses the number one thing that prevents people from starting a custom project: the fear of price—and explains why it’s more accessible than you think. Connect with Our Guest & Host Find Jen Hancox & The Edna Collective: Website: TheEdnaCollective.com (http://TheEdnaCollective.com) Services: Custom Jewelry Design, Heirloom Redesign, Jewelry Appraisals, Engagement Rings. Social Media: Find The Edna Collective on Instagram, Facebook, Pinterest, and LinkedIn. Connect with the South of SF Podcast: Host: Ranger Kielak How to Support: If you know someone staring at an old jewelry box, share this episode with them! Subscribe for more conversations with the trusted experts and neighbors who make the Peninsula special.

10. 

    27 Sept 2025

    The Art of the Arrangement: Delivering Joy with Maureen Ticer of Bella Fiori

    Every flower tells a story, but it takes a true artist to weave those stories into a breathtaking arrangement. In this episode of South of SF, host Ranger Kielak sits down with Maureen Ticer, the passionate founder of Bela Fiori, a premier floral design service based in San Mateo. Maureen shares the single moment in Brazil that ignited her lifelong love for flowers, a passion that has taken her from Singapore to the historic San Francisco Flower Market. Listen in to discover the intricate world of professional floristry, from understanding the seasonality of blooms to managing client expectations for large-scale events like weddings and galas on the Peninsula. Maureen provides invaluable insight into creating stunning centerpieces, navigating budget conversations, and the importance of translating a client's vision into a beautiful, tangible reality. If you've ever planned an event, admired a beautiful bouquet, or wondered about the craft behind the petals, this conversation is for you. About Our Guest: Maureen Ticer Maureen Ticer is the founder and creative force behind Bella Fiori ("Beautiful Flowers"). With an artist's eye and a deep understanding of her craft, Maureen specializes in creating custom floral arrangements for weddings, corporate events, galas, and special occasions throughout the San Francisco Peninsula. Her mission is simple: to work with beautiful flowers and deliver joy to her clients. Beyond her business, Maureen is deeply involved in the community, dedicating her time and talents to fundraising for the Lucile Packard Children's Hospital through the San Mateo Burlingame Auxiliary. Key Topics & Timestamps: [01:56] A Passion Sparked in Brazil [03:59] The Birth of a Business [06:22] Inside the SF Flower Market [08:35] Community and Contribution [10:32] Managing Wedding Day Expectations [13:45] The Pinterest vs. Reality Dilemma: [16:16] Overcoming Hesitation [18:48] How to Connect Connect with Our Guest & Host Find Maureen Ticer & Bella Fiori: Services: Custom Floral Design for Weddings, Galas, Corporate Events, and Special Occasions. Service Area: San Mateo, Burlingame, and the greater San Francisco Peninsula. Get a Consultation (Call or Text): (650) 678-4933 Connect with the South of SF Podcast: Host: Ranger Kielak Email: Ranger@WithinRangeCoaching.com Mission: Connecting you with the trusted experts, business owners, and neighbors that make the Peninsula a great place to live. How to Support the Podcast: If you enjoyed this episode, please share it with a friend, neighbor, or colleague planning a big event! Subscribe for more great conversations and remember to keep it local, keep it real, and keep it South of SF.

11. 

    16 Sept 2025

    Dead Skunks & Hot Markets: A Peninsula Real Estate Insider's Guide with Chris Eckert

    What does it really take to succeed in the Peninsula's competitive real estate market? It takes more than just a license and a sign; it takes deep community roots, a network of trusted professionals, and sometimes, a willingness to crawl under a house to deal with a dead skunk. 🦨 In this episode, Ranger sits down with Chris Eckert, a veteran real estate expert and community champion from San Mateo. Chris pulls back the curtain on the current state of the market (as of late 2025), revealing a crucial split between single-family homes and condos that every potential buyer and seller needs to understand. From his deep involvement in the Rotary Club and local music series to the wild story of saving a deal from a pungent pest, Chris shares why being a community-first agent is the key to success. Tune in to learn how he masterfully manages everything from pre-sale renovations to closing, ensuring his clients have a smooth and profitable journey. In This Episode, We Cover: (02:20) - Meet Chris Eckert: From the East Coast to a 21-year career as a Peninsula real estate leader. (03:44) - Market Update: The current state of the Peninsula housing market. Why single-family homes are a seller's market, while condos are a huge opportunity for buyers. (04:37) - The little-known balcony law (SB 326) that's dramatically impacting the local condo market. (07:20) - What Keeps Him Going: How deep community service with the Rotary Club, Chamber of Commerce, and local events fuels Chris's passion. (11:25) - The Skunk Story: The craziest thing Chris has ever done to get a home sold (ethically and legally, of course!). 🏠 (16:01) - The A-to-Z Process: What does it actually look like to prepare a home for sale? Chris breaks down the typical 2.5-month timeline from prep to close. (19:02) - The power of a 20-year Rolodex and why using a trusted team of contractors is non-negotiable. (22:32) - Overcoming Real Estate Fears: Chris discusses the common misconception of the "high-pressure" agent and his problem-solving, low-pressure approach. Connect with Our Guest Chris Eckert is your go-to expert for buying or selling a home on the Peninsula. With over two decades of experience and a deep commitment to the community, he provides a seamless, low-pressure experience from start to finish. Website: chrisheckert.us (http://chrisheckert.us) Social Media: Find him on social platforms as The Chris Eckert Real Estate Team. Connect with Your Host Ranger Kielak is the host of the South of SF podcast, a coach, and a consultant dedicated to connecting you with the best professionals on the Peninsula. Email: ranger@withinrangecoaching.com (mailto:ranger@withinrangecoaching.com) If you need an introduction to a trusted local expert for any problem you're facing, don't hesitate to reach out!

12. 

    8 Sept 2025

    Navigating Senior Care on the Peninsula: Neighborly Senior Placement, Anita Varelas

    In this episode of the South of SF Podcast, host Ranger Kielak sits down with Anita Varelas, the founder of Neighborly Senior Placement. Discover how Anita's two decades of experience, which started as a teenage waitress in an assisted living community, gives her a unique, insider's perspective on the senior care industry. We dive deep into why families should never rely solely on Google for such a crucial life decision. Anita shares eye-opening insights on the hidden factors that matter most, from staff longevity and reputation to the specific levels of care a facility can provide. She also clarifies the crucial point that her concierge-level service is completely free to families, explaining how her business model allows her to prioritize a loved one's needs over a quick sale. This conversation is a must-listen for any family, caregiver, or professional in the Bay Area looking for a trustworthy and compassionate guide to senior living options. Learn why finding the right home isn't just about location and budget, but about making a decision that ensures safety, happiness, and peace of mind for an entire family. In this episode, you'll learn: The core problem Neighborly Senior Placement solves for their clients. How a teenage waitress's passion for seniors evolved into a professional mission to serve her community. The critical factors that Google can't tell you about a senior living community. The story behind Neighborly Senior Placement's "Best of San Mateo County" award. How Anita's personal values and love for seniors drive her work with local organizations and events, including the Walk to End Alzheimer's. Connect with Neighborly Senior Placement: Website: neighborlyseniorplacement.com (http://neighborlyseniorplacement.com) Phone: 650-825-6148 Location: Servicing the entire Bay Area, including South San Francisco, San Mateo, and San Jose. Subscribe to the South of SF Podcast for more stories about the best local businesses, entrepreneurs, and community leaders on the peninsula! 🎙️

13. 

    2 Sept 2025

    Scaling Your Bay Area Business: Choosing the Right CRM with Aman Thakral of Target Integration

    Is your business growth starting to feel more like chaos? When the spreadsheets and manual processes that got you here are now holding you back, it's time to build a smarter system. In this episode of the South of SF podcast, host Ranger Kielak sits down with Aman Thakral, the Business Manager for Target Integration's US Division, to demystify the world of business software. Aman is a "CRM and ERP Matchmaker" for small and medium businesses across the San Francisco Peninsula. With over 700,000 CRM options on the market, simply Googling a solution can lead to expensive mistakes. Aman shares his expert process for analyzing a company's unique needs—from their team size and budget to their five-year vision—to find the perfect system that will fuel growth, not fight it. This conversation is essential for any entrepreneur or manager feeling overwhelmed by data and desperate for streamlined operations. We explore the critical importance of discipline, why you need a CRM from day one (even if it's just $6/month!), and how finding a niche was the key to success for Aman's business—a lesson shared by past guest Carmen Avila of Glam Roofing. In this episode, you'll learn: (02:39) The core problem Target Integration solves as a "CRM and ERP Matchmaker" for businesses from South San Francisco to San Jose. (04:09) Why Googling "best CRM" is a trap and how to navigate the 700,000+ options available. (06:42) Aman's journey to becoming an "accidental entrepreneur" and the power of niching down your services. (10:13) How Target Integration gives back to the Peninsula community by providing education and support to local non-profits. (14:41) The biggest myths about CRMs: Debunking the idea that they're too expensive or that you're "too small" to need one. (16:48) Why discipline—not a huge team—is the single most important factor for successfully implementing a new system in your business. Connect with Aman Thakral & Target Integration: Website: targetintegration.com (http://targetintegration.com) Email: aman@targetintegration.com (mailto:aman@targetintegration.com) LinkedIn: Search "Aman Thakral" or "Target Integration" Service Area: Serving the entire San Francisco Bay Area and beyond. Thank you for tuning into the South of SF podcast! To support the show, please share this episode with another business owner who needs to hear it. Your support helps us build a stronger, more connected community of trusted professionals on the Peninsula.

14. 

    25 Aug 2025

    Best Roofing Company in San Mateo County | Carmen Avila with Glam Roofing

    In this episode of the South of SF Podcast, host Ranger Kielak sits down with Carmen Avila, a civil engineer and project manager for Glam Roofing. Discover how Carmen’s unique background, including managing large-scale construction projects in Honduras, brings a rare level of expertise to residential and commercial roofing in the San Francisco Peninsula. We dive deep into why her company, recently voted the Best Roofing Company in San Mateo County, prioritizes client needs over a quick "cash grab." Carmen shares eye-opening stories about the hidden dangers of hiring uninsured handymen and how a small mistake can lead to major, costly consequences for homeowners. 😱 This conversation is a must-listen for any homeowner, property manager, or HOA board member in the Bay Area looking for a trustworthy and professional solution for their roofing needs. Learn about the importance of structural integrity, safety, and why choosing a licensed, insured contractor can give you true peace of mind. In this episode, you'll learn: The core problem Glam Roofing solves for their clients. How a civil engineer from Honduras found her passion for construction and roofing in the Bay Area. The story behind Glam Roofing’s recent Best of San Mateo County award. Why a handyman's cheap quote could cost you thousands in the long run. How Glam Roofing gives back to the local community through partnerships with organizations like Habitat for Humanity and Rebuilding Together San Francisco. Connect with Glam Roofing: Website: roofglam.com (http://roofglam.com) Phone: 650-240-6562 Email: Office2@roofglam.com (mailto:Office2@roofglam.com) Location: Servicing the entire Bay Area, including South San Francisco, San Mateo, and San Jose. Subscribe to the South of SF Podcast for more stories about the best local businesses, entrepreneurs, and community leaders on the peninsula! 🎙️

15. 

    19 Aug 2025

    How to Protect Your Family and Avoid Probate Court in the Bay Area | Estate Planning with Winston Duggan

    We spend our entire lives building—careers, families, and a home here on the SF Peninsula. But what happens to it all when we're gone? How do you ensure the life you've built becomes a lasting legacy instead of a legal mess for the people you love? This week on South of SF, we demystify the world of estate planning. Ranger sits down with Winston Duggan, a senior associate attorney with the San Mateo law firm McDowell Cotter. Winston specializes in trusts, estate administration, and probate, guiding Bay Area families and business owners through the process of creating a clear, powerful plan for the future. This episode is an essential guide for anyone who wants to gain peace of mind and ensure their loved ones are protected, no matter what happens. Key Topics & Questions Answered: What is an estate plan and who really needs one in the Bay Area? (Hint: It's not just for the wealthy). How to avoid probate court in California, saving your family years of time, money, and stress. The critical differences between a Will and a Trust, and which one might be right for you. Incapacity Planning: What happens if you're alive but can't make your own financial or health decisions? What is the process for getting started with an estate planning attorney? Episode Highlights & Timestamps: (02:23) The Core Mission: Providing Peace of Mind: Winston explains how expert legal guidance through trusts and estate administration brings clarity during life's most difficult times. (05:08) Why Estate Law? Winston shares his journey into this field and what keeps him passionate about helping people navigate complex legal systems. (08:29) Community Involvement: Learn how McDowell Cotter gives back to the Bay Area community through service days with organizations like Second Harvest Food Bank. (10:49) The 25-Year-Old Case: A real-world example of how unresolved estates can create a complex legal puzzle decades later, highlighting why avoiding probate is so critical. (14:23) "Is Estate Planning Only for the Rich?" Winston debunks the single biggest myth in estate planning and explains the importance of incapacity planning for every adult. (16:18) What to Expect When You Call: Winston outlines the simple, no-pressure process for an initial consultation to see if their firm is the right fit to help you. (17:15) The Danger of a "Handshake Agreement": Why informal or "back of the napkin" plans can lead to disaster and the importance of a legally sound plan. Connect with Our Guest: Guest: Winston Duggan, Senior Associate Attorney Firm: McDowell Cotter, Professional Law Corporation Location: San Mateo, CA (Serving the entire Bay Area) Book a Consultation: Call the office at (650) 572-7933 to get started. Website: mcdlawyers.net (https://mcdlawyers.net/) Support the Show: If this conversation gave you the clarity you needed to take the next step, please leave a quick review on Apple Podcasts or Spotify. It’s the best way to help more people on the Peninsula find these essential local resources. Until next time, keep it local, keep it real, keep it South of SF.

16. 

    11 Aug 2025

    Priced Out? Creative Mortgage Strategies for Buying Your First Bay Area Home with Ray Avanzino

    In this episode of South of SF, we tackle one of the biggest financial hurdles for Bay Area residents: buying a home on the SF Peninsula. If you've ever felt that building long-term wealth through real estate is an impossible dream, this conversation will provide you with a clear, actionable roadmap. Ranger sits down with Ray Avanzino, a seasoned mortgage broker with over 23 years of experience and the founder of Polaris Capital Partners in San Mateo. As a California native and a pillar of the local business community, Ray specializes in demystifying the home loan process. He provides creative financing solutions and expert mortgage advice to turn a potential "no" from a lender into a "yes." This episode is a must-listen for first-time home buyers, anyone looking to refinance a mortgage, or those who simply want a step-by-step plan for financial wellness and real estate investment in the competitive Bay Area market. In This Episode, You'll Learn: • (02:52) The core problem Ray solves: creating long-term wealth through real estate and why the most important step is the first one. • (04:26) Ray's origin story and how helping people with fiscal responsibility—like consolidating high-interest debt—is a key part of his work. • (08:38) How the process is demystified for first-time buyers and those who think they can't afford a home. • (11:03) A practical, actionable tip for how paying down specific debts can quickly improve your credit score. • (12:25) A powerful case study of a client who was able to buy a home in 45 days after being told she'd have to wait a year. • (14:03) Ray's deep involvement in the community through the Rotary Club and its impactful programs like Cars for Veterans. • (16:19) The common thread that connects Ray's business success with his passion for community service. Connect with Our Guest: Guest: Ray Avanzino, Polaris Capital Partners Website: https://www.polariscappartners.com/ (https://www.polariscappartners.com/) Phone (Text or Call): (650) 576-6531 Social Media: You can find Ray on LinkedIn (https://www.linkedin.com/in/rayavanzino/), Instagram (https://www.instagram.com/rayavanzino/?hl=en), X (https://x.com/mortgageray), and Facebook. Belmont and Redwood Shores Rotary (https://www.facebook.com/belmontcarotary) Thank you for tuning in to another episode of South of SF. If you enjoyed this conversation, please leave a quick review on Apple Podcasts or Spotify—it helps more people discover these amazing local stories. Until next time: Keep it local, keep it real, keep it South of SF.

17. 

    30 Jul 2025

    Welcome to the Neighborhood

    Welcome to South of SF — the podcast where we spotlight the real people behind the businesses, nonprofits, and organizations that shape the San Francisco Peninsula. Hosted by Ranger, this show is your backstage pass to the stories, grit, and heart behind the professionals working just south of The City. From Half Moon Bay to Palo Alto, we’re celebrating the folks who keep our communities running — and helping you get to know your neighbors before you hire them. Whether you're looking for a trusted business connection, curious about the story behind that new shop down the street, or just want to meet more good people doing good work — you're in the right place. 🎙️ New episodes drop weekly. 🎧 Listen on Apple Podcasts, Spotify, YouTube, and more. 🌐 Want to be a guest or nominate someone? Visit: calendly.com/withinrangecoaching/the-foggy-farmer-clone (http://calendly.com/withinrangecoaching/the-foggy-farmer-clone) — Connect with the Host: Instagram: @withinrangecoaching (https://instagram.com/withinrangecoaching) Website: withinrangecoaching.com (http://withinrangecoaching.com) Email: rangercoaching@gmail.com (mailto:rangercoaching@gmail.com) 🛠 Powered by real talk, local love, and the belief that who you work with matters.

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