Your agency might be worth less than you think — and the reasons probably have nothing to do with your revenue. In part three, Carey and Matt dig into the valuation drivers most owners never see coming: producer-owned books, aggregator contracts, leadership concentration, and the transferability issues that quietly discount an otherwise strong agency. In this episode: Why a multiple of EBITDA is just the starting pointProducer-owned books: what they are and what they cost you at exitAggregato...

#167 – Walking Away Happy w/ Matt Naimoli

Helps leaders navigate the numbers, people, and strategy behind sustainable growth. Hosted by Carey Wallace and Lindsay Sexton, the show dives into what really happens when a business is changing, whether it’s expanding, merging, transitioning ownership, or rethinking operations.Each conversation offers practical insight on analyzing your business, making data-driven decisions, and building a company built to last.Show previously named Insurance Refocused, but changed to Business Refocused in November 2025. Business owners of all industries face the same challenges as independent insurance agencies.&nbsp;