combsandco


The Syrup – Small Moments That Make Life Meaningful

The success of the Pancakes for Roger campaign isn’t measured in dollars raised or photos collected. It’s about the stories people share, the memories they honor, and the way this tradition continues to bring people together.

Click Here for the original post at BenefitsPro

By Susan L. Combs | March 21, 2025 at 02:40 PM


Every February, the world joins me in honoring my dad, Major General Roger E. Combs, by taking a moment to eat pancakes and take some pics. Simple, right? But Pancakes for Roger was never really about breakfast, and to be honest, it was never just about a man who broke my heart at the end of his life when he made a simple request for a favorite food. It was about what that request represented: gratitude, connection, and the small moments that make life meaningful.

Smashing records and setting the bar even higher

In 2025, we set out with ambitious goals: raise funds for the University of Missouri School of Law Veterans Clinic and gather 1,000 photos from around the world of people celebrating Pancakes for Roger month. Well, we didn’t just meet those goals—we smashed them.

  • Thanks to our generous sponsors and corporate matching donors, we raised over $13,000 for the Veterans Clinic, ensuring that those who have served our country get the legal support they need.
  • We collected pancake pictures from all 50 states, Washington, D.C., as well as 25 countries, and six continents.
  • And that 1,000-photo goal? We hit 1,142 submissions!

Yes, we had people eating pancakes on the beaches of New Zealand, in the mountains of Switzerland, and at kitchen tables across the U.S. We had military veterans, families, business teams, and complete strangers all taking part in something bigger than breakfast. That’s the power of a shared tradition.

More than just a meal

The success of the Pancakes for Roger campaign isn’t measured in dollars raised or photos collected. It’s about the stories people share, the memories they honor, and the way this tradition continues to bring people together.

This year, I heard from an active-duty Airman who made pancakes with his kids for the first time since returning home from deployment. A group of law students at Mizzou sat together over breakfast, discussing how they hope to help veterans through their future work. A woman in Japan told me she made pancakes in honor of her grandfather, a fellow veteran, who had passed away years ago. These are the moments that make this campaign special.

Because at its core, Pancakes for Roger is about remembering the little things — the moments we too often take for granted. It’s about slowing down, pulling up a chair, and taking a moment to be grateful. My dad knew that. And whether he was piloting CH-46 helicopters or sitting in a courtroom, he never lost sight of what mattered most.

What’s next?

This campaign started as a personal way to honor my dad, but it has grown into something bigger than I could have ever imagined. And we’re not done yet.

As a full-fledged non-profit, we are partnering with other non-profits around the country to make the greatest impact on veterans’ needs as we grow our endowment fund. Our mission is clear:

Creating pathways to improve the lives of veterans and their communities.

With the continued support of this incredible community, we will create lasting change for those who have served.

Thank you!

To everyone who participated, donated, shared, and made Pancakes for Roger 2025 a success—thank you. You are part of something special. And I know my dad is looking down, smiling, probably wondering how the hell we got we got a mule and a pig to pose for pancake pics!

I would also be remiss if I didn’t take a moment to acknowledge something else: Being a part of the insurance industry has afforded me the ability to launch this non-profit. The relationships I’ve built, the opportunities I’ve had, and the people who have stepped up to help have been instrumental in taking Pancakes for Roger to the next level.

A special thank you to some incredible individuals from our industry who have gone above and beyond this year through their efforts:

Eric Silverman, Angela Kidd, Antinea Martin, Allison De Paoli, Stephanie Berger, Jolene Bibian, Dr. Cristin Dickerson, Dawn McFarland, Taylor Miles, Jenny Weaver, Talia Hansen, Marie Goldbeck-Strunk, Senator Kristin Dassler-Alfheim, Juli McNeely, Kyle Gorman, Ali Goodwin, Sara Walker Hite, Amanda Brewton, Colleen Blum, David Mordo, David Smith, Lisa Laliberte, Robin Tefft, and Julie Parks.

So, as we look ahead, let’s keep the momentum going, keep lifting up our Veterans, and most importantly — keep the syrup flowing.




The Syrup –  The power of being teachable

“Be teachable. You’re not always right.” – Anonymous This quote got me thinking about all the people I look up to, both inside and outside of our industry.

By Susan L Combs | June 10, 2024 at 08:13 AM

Click here for original article on BenefitsPro!

If you roll in my circle, you know I’m a massive fan of pictorial quotes that catch my eye on social media.  I actually have an album on my phone whereI save these nuggets of information for when I need an internal pep talk or see a friend struggling.  I was taught by my late father that if you get a good piece of information, it’s your obligation to share it with someone. After all, if it helped you, it will probably help someone else.

So here is one I heard recently that I thought was  such a good reminder:

“Be teachable.  You’re not always right.” – Anonymous 

Talk about taking a little wind out of your sails, huh?  The quote got me thinking about all the people I look up to, both inside and outside of our industry. When I started thinking about what they have in common, I realized that they are always open to learning.  Whether sharing an article they read, taking on a new designation, or just learning a new product or process, they are open to making themselves better and helping those around them.

I will tell you, starting a non-profit over the last year has definitely been a reminder of this simple phrase.  Serving on non-profit boards, even in a national capacity, doesn’t come close to running one. I’m sure my good friend Stephanie Berger would echo this after launching her Ellevate Foundation in recent years.  So many different rules and nuances make it as different from running a for-profit company as different as comparing bicycles to oranges.  

What do you do?

I often hear my dad in my head when I screw something up: “Suz, this is a teachable moment.” As long as we find lessons along the way, it can soften the blow of feeling like a failure.  But we must remain open.  Every time I show someone how to do a task, I think it’s important to give them the freedom to shift the process so that it makes sense to them.  I typically say something like, “We’ve got to get from A to B; I don’t care how you do it, just get to B.”  Then I show them how I do it, and often they come up with a different way and get the same result. It’s important to check your ego at the door and let someone work in a capacity that makes sense to them.  

I also think it’s important to surround yourself with people who give you the grace to learn, even when people see you as being at the top of your game.  For example, I’m the last person you want handling your Medicare account, but I have friends like Dawn McFarland or Nancy Giacolone, who let me ask what I deem as “stupid questions” and don’t make me feel like an idiot when I do.  

Embracing the mindset of being teachable is essential for personal and professional growth — and sometimes, for avoiding epic fails.  Whether saving inspirational quotes, running an insurance brokerage consulting firm, or starting a non-profit, life constantly reinforces the value of remaining open to learning and adapting.  It’s about recognizing that we don’t have all the answers and that’s perfectly OK.  

My dad was great at reminding me of the teachable moments when I would make a mistake, which sounds a lot better than “You really effed that up!” – though I heard that too when I needed a reality check.  Whether you learn by feather or by sword, it’s through these moments that we evolve.  By surrounding ourselves with supportive people who encourage us to ask questions and explore new ideas, we not only enrich our own lives but also contribute positively to those around us. 

What’s something new you learned recently?  



The Syrup – Cringeworthy Sales Tactics

Original Article on BenefitsPro

It’s 4th Quarter, which means it’s also open enrollment.  We are all tired, overworked and keep saying over and over to ourselves, “Just get through it.” But then…as my friend, Allison Cohen De Paoli put it so perfectly, you get “assaulted” by yet another vendor trying to sell you during the absolute busiest time of year, and you just can’t take it anymore.  

After sharing some texts with my crew (ErikaChelseaColleen & Nancy), it got me thinking that we can’t be the only ones.  This prompted me to send an email to my list of about 300 women who have been featured in the “What’s the Good News, Ladies?” series over the years and see if others had stories to share.  

Boy, did they!  In less than 48 hours, over 50 women responded back with annoying, rude and downright appalling examples of how salespeople have approached them during this time of year.  

So maybe this is a little bit of a public service announcement; maybe it’s a little eff you; or maybe it’s a little “how to sell to a woman 101.” Because people, you are missing it, and you are missing it big! You know why?  I’m dropping some knowledge on you right here in case you didn’t know: According to American Express and the SBA, over 42% of businesses in the U.S. are owned by women and women make up over 51% of the U.S. population!  And according to Forbes, 85% of women control or influence consumer spending.  That means there are over 330 MILLION women who will sing your praises if you get it right, but they will run the bus right over you, hit reverse and do it again if you get it wrong.  We will screenshot your email, text, LinkedIn DM or forward the voicemail to each other and we will remember to avoid you and your company’s services at all costs, because what’s the rule you should never forget?

Hell, hath no fury like a woman scorned.  

Buckle up and take note, because you are getting a golden list that is the compilation of many uber successful women in our industry, including award winners, top producers, business owners and badasses.  If you are in sales, print this out and put it where you can see it and then never do these things.  

  1. The Gift Givers:  Not the ones who are sending you a thank you for the business; we mean the ones who are trying to bribe you for a meeting.  Gift cards and even shoes were offered to some of these women.  What’s wrong with this?  It can be looked at as rebating in some states and if you are a vendor with a license, you can lose it. And just as importantly, you make us feel gross.
  2. Bate and Switch – Recruiting:  More than one woman emailed and said she had recruiters pose as a potential client. The meeting is booked, but once on the call, they realized it was a recruiter trying to hire them away.  Do you really think someone worth their salt is going to come work for you when you have basically lied your way into a meeting and showed your ethical character?  
  3.  Bate and Switch – “I’m Interested in Your Services”:  I’ve heard a few people bring this one up: Someone reaches out to you via email or social media, saying they’re interested in your services, so you set up a meeting.  But once you get on the meeting, they have a full PowerPoint presentation on selling THEIR services.  So not only did the vendor waste the person’s time as they prepared for what they thought was their own prospect meeting, they completely disrespected them by pushing the vendor’s agenda over theirs.  
  4. Beauty and the Beast:  I know you have all gotten this one, if you take a second to think about it.  A breath of fresh air enters your inbox: finally, a well thought out email or message from someone that has done their homework! You accept the connection, but five seconds later, you get a spam sales pitch message and a link to set up a meeting.  I had this happen recently and ignored it two times. By the third one, I was a little less than nice and said, “Dude, read the room. It’s open enrollment and if you really work with brokers, you’d know asking for a meeting right now is the kiss of death.”  His response was basically that OE ends in 2 weeks (is he out of his mind?) and he wants to be one of the first people I reach out to.  My response? I deleted the connection, took a screenshot and sent it to my friends, who won’t ever meet with him.  Bravo.
  5. Badmouthing:  You know how your gramma always told you, “If you don’t have anything nice to say, don’t say anything at all”?  If the only way you feel that you can get business is by throwing others under the bus, are you really that good of a salesperson?  One guy basically told one of woman that she was dumb because of the software she was using!
  6. Spam:  “Hi…your profile looks interesting…” Raise your hand if you get 10 of these a week.  Do you really feel like this is a differentiator?  If someone makes me laugh, I always accept, even if I have never met them.  But if it’s the same canned outreach, I delete it. And most others do, too!
  7. Not Knowing Your Audience:  Man, this one came up a lot.  Salespeople basically throwing spaghetti to the wall and hoping it sticks, but missing the mark because they didn’t take any time to really look at who you are as a professional.  The sad thing with this one is, that they probably could have gotten a meeting if they did a little homework.  
  8. Lying:  I have to give a big shout out to the sales training I got from Paychex (I know my girl Rachel McLauchlin will echo this) as I really feel like it was some of the best.  Two things I always remember:  1.  If you sell on price, you’ll lose on price. 2.  Never lie. One example I got of this was someone basically swiping a mutual connections LinkedIn list and pretending that the mutual connection recommended that they connect.  When she called the mutual connection to see what was up, she discovered the deception and said, “I will not do business with him now.”  So, this guy not only burned one bridge, he burned two, along with all the other people they will tell!  (Gas up the bus, girls!)
  9. Did you Get My Email?:  This one came up like 10 times. It can also be worded as “Let me bump this up to the top.” Most don’t get the hint that you didn’t respond for a reason and so keep on sending.  Or they get a read receipt when you open the email, so then they have someone else who is supposed to be higher up in the firm reach out to you and say they know “you’ve been talking with their colleague.” So many of these do not have an “unsubscribe” feature, so you just end up blocking them.  
  10. The Unapproved Meeting Request:  Nothing grates on me more, and  this was brought up by over half of the women who responded.  If you are doing this, stop.  Just stop.  I don’t know who taught you this, but it’s wrong.  It’s intrusive.  It conveys that you think their time and schedule should be controlled by you.  It’s dishonest.  Think of the other person.  Would you be thrilled if someone you had never met walked into your house, sat down at your dinner table and said, “Oh, is now a bad time?” I generally have a “three strikes and you’re out” rule, but this one is an immediate banishment in my book. I will never take a meeting from them and everyone I have talked to has similar feelings.  Especially this time of year, we are all tired and overworked.   When a funny meeting appears on our schedule that we don’t know anything about and we respond to the sender to get a little more information and find out it’s a sales pitch,, queue explosion.  Hell, hath no fury….

If you couldn’t tell, I had a lot of time writing this and I hope you had fun reading it.  I know we are all running on empty right now, so hopefully this gave you a little reprieve from the stress we all have this time of year.  Maybe you got a little insight into how to sell to a woman and realized you might be doing some of these things in one way or another.  Or maybe you just nodded your head throughout because you felt a connection to others in our industry.  My hope is that it gave you a few laughs, headshakes and maybe a face palm, too.  

I’d be remiss if I didn’t thank those who helped with this article; the emails that came in were just so much fun to read!  Hang in there, ladies, and if you need a bus driver, I got you!



The Syrup: Conflict Management

A reader reached out recently and said she was having issues with conflict management stemming from unclear roles and responsibilities between teams. Here are some steps I would look at taking to aid in the shift.

By Susan L Combs | July 07, 2023 at 07:14 AM

Shared from BenefitsPro

Conflict is never easy.  We can sometimes kid ourselves that when it comes to business, it’s not personal.  But it is.  We aren’t working with machines; we’re working with people who have their own personalities, their own experiences, and their own aspirations.  

A reader reached out recently and said she was having issues with conflict management stemming from unclear roles and responsibilities between teams. She feels that her team has been left out of brainstorming and decision-making processes. As a result, this is causing the culture to become exclusive rather than inclusive.  

The easy answer would be to write out the processes and shift the culture, but there are various factors, including size, that can complicate matters. So, how can you be a champion within your own firm?

I worked for a large firm prior to starting my brokerage, and you could always see very quickly who the leaders were within a team.  If that leader is you, it’s probably time  to step up.  You know how they say that change starts with you?  I know it can sound cliché, but it really does.  Oftentimes, when you put things in place to shift the culture within your team, you can serve as an example to others.  

Here are some steps I would look at taking to aid in the shift:

  1. Identify the source of the conflict or confusion.  Is it a person or is it a process?  If it’s a process, and there is an existing outline, it might be outdated.  If it’s a person, it likely stems from fear.
  2. Update and clearly define the roles and responsibilities of your team.  This should involve creating a list of goals and tasks for which your team is responsible.  This helps with overlap and prevents confusion.  I would do a one-sheeter on this and just keep it simple.
  3. After you have come up with the process, I would encourage you to set up meetings with other teams you’ll be working with closely in order to set the tone that your team wants to be inclusive and work together but wants to streamline the process. This will encourage others to follow suit. 
  4. Create and enforce boundaries.  I’m not saying you should be the person who is always saying “that’s not my job,” but it can help your team take ownership of what they should and bring in an alternative team when it falls into their wheelhouse.  This will help modeling become more inclusive, which is what you want.  
  5. Lead by example.  If your team is feeling left out, don’t do that to another team.  We all know everyone doesn’t need to be in every meeting, but sometimes by giving others the option to participate and letting them know that you value their voice, you’ll see a shift and they will start to value yours.  

This isn’t an airtight strategy to prevent all conflict in your organization;, however, when there is conflict, it’s often due to a lack of direction or information.  If there is a deficit, his will help to clarify both.

When you break it down, this type of conflict can often be resolved through a combination of effective communication, collaboration, and problem solving.  But you must be on board and not everyone will be.  My dad was a Major General in the Air Force and frequently had to look at different roles, responsibilities and conflict. When I was dealing with a business issue, I remember him once saying, “80% of issues revolve around personnel and all of it is personnel.” 

By implementing these practices, teams can be more effective at resolving conflicts stemming from unclear roles and responsibilities. But it won’t happen overnight.  You might have to throw some spaghetti on the wall until something sticks!

Good luck, my friend!



4th Annual Pancakes for Roger Fundraiser

February 1st we kicked off Combs & Company’s annual campaign to support the University of Missouri School of Law Veterans Clinic, which helps veterans and their families navigate the VA claims process and secure disability benefits when they are faced with obstacles along the way.

Combs & Company will make a donation to the Veterans Clinic for every pancake-loving picture posted on social media and with the hashtag #PancakesForRoger throughout the month of February.

Follow along with the campaign at PancakesforRoger.com.

10 days in and we have already reached more than half the states in the US and several countries. We are excited to see so many familiar faces participating again this year, and love seeing all the new faces as well! Follow Penny Pancakes as she tracks the campaign around the world (updated every Tuesday and Friday).

Upcoming Events:

Join the Mizzou Law Veterans Clinic for a pancake breakfast in honor of Major General Roger Combs this February 22, 2022, from 8 a.m. to 10 a.m.

Join us on March 1, 2022 from 10-11am, for an Open House Event at the Veterans Clinic, located at 820 Conley Avenue, Columbia, MO 65211.

Join us on March 4, 2022 from 3-5pm for a Book Launch Event at the Rusty Coffee Pot, located at 114 East Vermont, King City, MO 64463.