Stories
Alan Smith and the Texas Hearing Institute
Alan Smith is honored in the Wildcatter’s Hall of Fame, a recognition bestowed upon a select group of oil and gas entrepreneurs with the skill, courage, and persistence to discover new energy reserves—powering our homes and fueling our industries. Beyond his accomplishments in the energy sector, Alan has a profound passion for helping children with hearing impairments, a commitment inspired by his own daughter’s journey to lead a fulfilling life despite her hearing challenges.
The 100x Forum provided Alan with the tools, peers, case studies, and coaching to channel the unique abilities that made him a successful energy entrepreneur toward an entirely new mission. His efforts transformed a modest hearing and speech center on the outskirts of Houston into the Texas Hearing Institute, now located within the Texas Medical Center. This initiative quadrupled the number of children served, significantly impacting their lives.
Alan’s 100x Forum team visited the institute to celebrate the vision, leadership, and resources he brought to this endeavor. Thanks to his dedication, the institute has become a place where young boys and girls sit together at lunch, chatting and laughing—a stark contrast to the silence that might have defined their lives without Alan’s support.
Learn more about the Texas Hearing Institute here:
Participant Reviews
Peter Fioretti and Pat Hamill
Peter Fioretti and Pat Hamill are both real estate developers and home builders as well as 100x Forum Alumni. Pat was the founder and CEO of Oakwood homes, which he sold to Berkshire Hathaway and continued to lead as he was working through his next season. Based on his passion for helping disadvantaged men and women find a pathway to living wage jobs in construction, Pat created Build Strong Academy in Denver. Over the years Peter and Pat have partnered in many real estate deals but few have brought the joy that is captured in this photo – at the opening of a Build Strong Academy they launched together in Peter’s hometown of Charlotte NC. They both are using their first half gifts and experiences to make a 100x impact!
Learn more about BuildStrong Academy here:
Dan Horner and True Homes
Dan Horner isn’t chasing profit — he’s building purpose. Each year, his team constructs 300 affordable homes at cost, giving families a foundation for hope and stability. It’s not about real estate; it’s about restoring dignity and creating community. This is what it looks like when business becomes a calling.
Reinvented: Angel Alvarez and the Mission That Found Him
When Angel Alvarez walked away from the company he’d built into the largest private contact lens distributor in America, it wasn’t part of some master plan or early retirement dream. It was a pause — a painful, unexpected one. His beloved wife had grown ill, and caring for her became his full-time purpose. Nine months later, she was gone. The business was behind him, his wife was no longer with him, and for the first time in decades, Angel wasn’t sure what came next.
“I was looking to reinvent myself,” he says. “To find purpose again.”
It was in this hollow and searching season that a close friend introduced Angel to the 100x Forum — a community designed to help high-capacity leaders reimagine the second half of life through intentionality, generosity, and calling. Angel arrived still grieving, but with the same energy and determination that had fueled his entrepreneurial career.
What he discovered was both simple and profound: he had spent years building clear strategies, schedules, and goals for business — but almost none for the things that mattered most personally. Through 100x, he began applying his business instincts to his own life, creating a “life roadmap” that brought direction back into his days. “I reinvented myself,” he says. “And I’m having a very good time.”
That renewal didn’t stop with Angel. His three adult daughters, each gifted in different fields — psychology, real estate finance, and nutrition — stepped into the family enterprise with him. Together, they aligned their individual passions with the family’s philanthropic and stewardship goals. It became a living expression of the second-half life Angel was learning to build: purposeful, relational, and generous.
But Angel’s story didn’t peak there. It was only the runway.
During this journey, he felt a growing desire to create impact at a scale he’d never imagined — not through charity alone, but through multiplying the ingenuity, courage, and creativity of the next generation. That desire led him back to his alma mater, the University of Miami, and ultimately to an idea that now fuels him every day.
He helped launch a student-focused innovation and startup initiative — something far more dynamic than a typical university entrepreneurship program. The goal wasn’t just education; it was activation. Angel’s support helped establish a pipeline where students can pitch real companies, receive real funding, and bring real solutions into the world.
This year, 92 student teams applied from across eight different schools — medical, engineering, business, arts, sciences, and more. Twenty teams received initial funding. Five received a significant additional investment. Their ideas range from medical technologies to concussion tools to breakthroughs in mobility and vision — each with the potential to transform thousands of lives.
Angel lights up when he talks about the raw energy of these young founders. “There’s no better time to be an entrepreneur,” he tells them. He encourages them, challenges them, and lifts their confidence. And when the thank-you videos arrive — heartfelt messages from students whose lives and futures have been changed — Angel says it fills him with joy.
“I’m aligned with my God-given talents,” he reflects. “And that brings me great happiness.”
From the depths of loss to the heights of multiplied impact, Angel Alvarez has discovered a second-half calling not built on what he can achieve alone — but on what he can spark in others.

From Dairy Farm to Global Impact: Jeff Rutt’s 100x Story
Before he led a nationally recognized homebuilding company or helped launch a global movement, Jeff Rutt was a young farmer in southern Lancaster County, Pennsylvania. By age ten, he was up at 4 a.m. milking cows. In his twenties, he and his wife “bought the farm” and ran 200 acres and 150 cows—learning discipline, risk, and perseverance the hard way.
In 1992, Jeff made a shift. Looking for something “with lower risk and fewer hours,” he founded Keystone Custom Homes. Over the next three decades, Keystone built more than 10,000 homes and became the first builder in America to win the America’s Best Builder award three times.
But the real story isn’t just about business success. It’s what Jeff chose to do with it.
Through his church, Jeff began serving a congregation in Zaporozhye, Ukraine. For years, they sent containers of food, clothing, and supplies. Then a trusted pastor told him, “Your helping is hurting.”
Jeff realized their gifts were unintentionally creating dependency—exactly what Toxic Charity warns against. That conversation sent him in a new direction.
Instead of handouts, they started offering small loans—as little as $20—to help families launch businesses. A clothing seller. A cement vendor. A woman in Burundi renting chairs for weddings who grew from one idea into a thriving enterprise. Each story reinforced the same conviction: people don’t just need gifts; they need opportunity, dignity, and trust.
This seed became Hope International—a Christ-centered microfinance and savings movement that has now served millions, operates in 30 countries, partners with 17,000 churches, and has distributed over $1.9 billion in loans and savings services.
In 2019, after years of prayer, spreadsheets, and family conversations, Jeff and his family transferred 89% of Keystone Custom Homes and its affiliates to a charitable trust at National Christian Foundation.
They kept leadership, but redirected ownership.
The result: Keystone continues to grow, and far more resources are now released into kingdom impact. For Jeff’s son Ben, a key leader in the company, this wasn’t a shock—it was the natural outcome of a family culture shaped around generosity, contentment, and stewardship.
Today, Jeff is intentionally leaning into his sage season: empowering next-generation leaders at Keystone, strengthening Hope International, and helping other business owners reimagine what’s possible when their company becomes a platform for 100x impact.
A Life of Compounding Kingdom Impact: The Story of David Allman
More than two decades ago, David Allman sat in a Halftime gathering wrestling with the same questions that stir in many leaders during midlife: How can my life create a lasting difference? What would it look like to leverage my success for God’s purposes? Today, when we look at the arc of David’s life — his deep love for his family, his quiet boldness in business, and his sacrificial investments in underserved communities — the story that emerges is one of steady compounding kingdom impact.
David began his real estate career in the early 1980s, learning the business from the ground up. He navigated economic cycles, layoffs, bankruptcies, and the significant downturn of the late ’80s. Those early years toughened him, sharpened his business instincts, and taught him to be prudently conservative in good markets so that he could withstand the storms to come. By the 1990s, he helped acquire and develop major assets in the heart of Atlanta’s Buckhead district — transforming suburban models of development into thriving urban environments where people could live, work, and flourish.
But while his company, Regent Partners, continued to grow, something deeper was forming in David. God was using those early decades — the hard-won experience, the financial margin, the leadership platform — as building blocks for a calling that would require everything he had developed by that point.
Through the guidance of mentors like Bob Buford, and the influence of leaders such as Lloyd Reeb and Chris Crane, David began to envision a second-half life that was not merely successful — but significant. Inspired by Ephesians 2:10, he embraced the idea that God had prepared good works in advance for him. His role was to go and discover them.
That journey led David and his wife Donna to Nicaragua, where they launched a holistically designed community development model — economic empowerment wrapped in dignity, discipleship, education, and local leadership. They partnered closely with Opportunity International and local families to determine what assets already existed among the working poor. In an agriculturally rich nation, the answer was clear: farming.
With patience and perseverance, they built a field-to-market strategy around cassava, developing a gluten-free flour business that now supplies major U.S. food companies and employs more than 250 people. For years, the profits from this business fully funded schools, a hospitality training center, community infrastructure, and spiritual formation programs — allowing the work to grow as a self-sustaining system rather than a charity dependent on outside donors.
The journey has not been easy. Political instability, tariffs, and even unjust government crack-downs have threatened the work time and again. Yet, in each dark moment, God has brought the right people — faithful board members, skilled business partners, and lifelong friends — to ensure the mission continues.
For David, the greatest rewards aren’t measured in EBITDA or development milestones. They look like farmers able to send children to school for the first time… mothers thrilled that their
families can access clean water… and the joy that comes from serving shoulder-to-shoulder with deeply trusted friends in meaningful work.
He describes life now with a mix of humility and perspective — grateful for what God has done, aware of his own imperfections, clear about what matters most. When asked what he would do differently, he speaks not of missed opportunities in business, but of wasted time… moments he wishes he had stewarded with greater intention.
David Allman has become a remarkable example for leaders entering their own second half: Invest deeply in relationships. Use your gifts to solve real problems. Build teams. Show up. Hold outcomes loosely. And trust God to produce the fruit.
His life reminds us that great impact is rarely loud or flashy — it is faithful, compounding, and anchored in God’s call. And when you stay the course, over decades, the return can bless generations.




