October 2, 2025 •

In this episode of the Entrepreneurs Journey, Michael Pallozzi speaks with Shawn Calkins, owner of Universal Service Solutions in Edwardsville, Pennsylvania. Shawn shares how he went from being unemployed during the 2008 housing crisis to owning a successful full-service pavement maintenance company. The conversation highlights the importance of grit, financial discipline, mentorship, and building a team culture rooted in values. Listeners will hear about Shawn’s “profit-first” approach, how he supports his crew’s financial growth, and why relationship-building is at the core of his business strategy.
(00:06:25) “He said, it’s yours. Earn it. And we did. And he and I have been colleagues ever since.”
(00:13:00) “We’ve learned to live without its existence.”
(00:15:39) “Attitude is everything. And it’s a present mindset attitude that I want.”
Connect with Michael Pallozzi: mpallozzi@hfmadvisors.com | LinkedIn

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HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
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Michael has more than 37 years of experience helping business owners and individuals take the next step of their financial journey. Michael’s job is to make the financial side of your life easier so you can build the personal and family life you’ve been working so hard to achieve.
Disclosure: HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
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