In this episode of Default Profitable, host Matt Nettleton sits down with Jim Effner, a 36-year veteran of the financial services and life insurance industry. Jim shares his journey from building a massive Northwestern Mutual operation with 400 people and five buildings to founding P2P Group, a lean sales training firm laser-focused on boosting productivity in financial services. They dive into the challenges of scaling down, the emotional side of money decisions, and why permanent life insurance deserves a comeback amid industry shifts.

Have you ever wondered what it takes to ditch a sprawling empire for a passion-driven venture that actually fulfills you? What if the secret to killer sales isn’t technique, but a rock-solid belief in caring deeply for each client? And how does spotting emotional money triggers from childhood make or break financial planning? Jim wraps with a humorous nod to his golf game—turns out, even a top producer can only hack so many rounds before needing a real purpose.

Learn more about Jim Effner and P2P Group at https://www.linkedin.com/in/jimeffner.

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