ALL EPISODES

Immigrants + Finance with Nick Saleem (Pt. Three)

Nick Saleem is the Co-Founder of United Wealth Group and has been in the Financial Services Business since 1997. Nick focuses his practice around the Medical and Physician market and specializes in retirement and estate planning, insurance and employee benefit plans. Nick currently works with over 500 clients, and he is passionate about creating innovative solutions which fit their individual needs. Tune in to hear: – What are some of the unique fiscal or emotional challenges immigrants sometimes face? – Nick’s perspective, as an immigrant, on “The American Dream” – Why immigrants are often more inclined to entrepreneurial ventures than people born in the US – Are there structural or systemic reasons why immigrants are often kept from more traditional forms of employment, choosing instead to forge their own path? – How financial professionals can help clients balance financial best practices with their specific cultural sensitivities – What are some unique challenges immigrant families face in becoming financially independent? – What habits does Nick see in his immigrant clients that might strengthen the broader American money culture?

  ... SHOW MORE

#72 / November 19, 2020

Nick Saleem is the Co-Founder of United Wealth Group and has been in the Financial Services Business since 1997. Nick focuses his practice around the Medical and Physician market and specializes in retirement and estate planning, insurance and employee benefit plans. Nick currently works with over 500 clients, and he is passionate about creating innovative solutions which fit their individual needs. Tune in to hear: – What are some of the unique fiscal or emotional challenges immigrants sometimes face? – Nick’s perspective, as an immigrant, on “The American Dream” – Why immigrants are often more inclined to entrepreneurial ventures than people born in the US – Are there structural or systemic reasons why immigrants are often kept from more traditional forms of employment, choosing instead to forge their own path? – How financial professionals can help clients balance financial best practices with their specific cultural sensitivities – What are some unique challenges immigrant families face in becoming financially independent? – What habits does Nick see in his immigrant clients that might strengthen the broader American money culture?

SHOW LESS

#72 / November 19, 2020

Unearthing and Sculpting the Self with Maddie Quinlan

Maddie has a Masters in Behavioral Science from the London School of Economics. She is the co-founder and director of Salient, which is a behavioral science consultancy, and she is head of membership at the newly formed Global Association of Applied Behavioral Scientists. Maddie also enjoys teaching yoga whenever she can. Tune in to hear: – Western philosophy tends to think of the self as static and immutable, while Eastern philosophy thinks about the self in more contextual ways. Which conception of self is most conducive to self-growth or are there positive takeaways from both perspectives? – In existential philosophy there is a thought that existence precedes essence. In practice, does it seem like we unearth a “true” self that has always been there, or do we shape and define our selves as we move through live? – How do we scrape away the behavioral biases that keep us from seeing who we really are? – Behavioral biases do serve a positive purpose when they aren’t over extended; they protect our ego and help us be self-confident. As we start to chip away at these, to get a more honest picture of our self, how do we push through the discomfort and desire to retreat from the uncomfortable truths we discover? – What roles do others play in the road to self-discovery and what are some hallmark characteristics of someone in one’s life that can help them better understand themselves? – Ideally one’s personality would inform the type of work they do, but is this a privilege that few can enjoy or is this in grasp for most people? – How can one balance a desire to make systemic, global change and the equally important role of making micro resolutions that help those who are geographically and emotionally closest?

  ... SHOW MORE

#71 / October 29, 2020

Maddie has a Masters in Behavioral Science from the London School of Economics. She is the co-founder and director of Salient, which is a behavioral science consultancy, and she is head of membership at the newly formed Global Association of Applied Behavioral Scientists. Maddie also enjoys teaching yoga whenever she can. Tune in to hear: – Western philosophy tends to think of the self as static and immutable, while Eastern philosophy thinks about the self in more contextual ways. Which conception of self is most conducive to self-growth or are there positive takeaways from both perspectives? – In existential philosophy there is a thought that existence precedes essence. In practice, does it seem like we unearth a “true” self that has always been there, or do we shape and define our selves as we move through live? – How do we scrape away the behavioral biases that keep us from seeing who we really are? – Behavioral biases do serve a positive purpose when they aren’t over extended; they protect our ego and help us be self-confident. As we start to chip away at these, to get a more honest picture of our self, how do we push through the discomfort and desire to retreat from the uncomfortable truths we discover? – What roles do others play in the road to self-discovery and what are some hallmark characteristics of someone in one’s life that can help them better understand themselves? – Ideally one’s personality would inform the type of work they do, but is this a privilege that few can enjoy or is this in grasp for most people? – How can one balance a desire to make systemic, global change and the equally important role of making micro resolutions that help those who are geographically and emotionally closest?

SHOW LESS

#71 / October 29, 2020

Investing Sustainably with Maxine Gray

Maxine Gray is the Business Strategy Development and Implementation Manager at Investec Wealth, South Africa. She is an ambassador for the United Nations Global Compact of young SDG innovators. Maxine has also been a board member of imagine.nation (NPO) since 2015, and she is the founder of Winter Warmer drive (2010-2020), helping over 20,000 people keep warm during winter. Tune in to hear: – What are the UN’s sustainable development goals and how do they relate to investing and business? – How did the UN settle on goals which were unanimously approved by all member nations? – There are, of course, ethical and personal reasons to run a company that is generous and environmentally sustainable, but are there financially-motivated reasons as well? – What are the differences between shareholder capitalism and stakeholder capitalism and how might these approaches coexist? – Why environmental concerns are finally being considered legitimate risks to business – How the “sdgs” are interconnected and why focusing on one will improve others

  ... SHOW MORE

#70 / October 16, 2020

Maxine Gray is the Business Strategy Development and Implementation Manager at Investec Wealth, South Africa. She is an ambassador for the United Nations Global Compact of young SDG innovators. Maxine has also been a board member of imagine.nation (NPO) since 2015, and she is the founder of Winter Warmer drive (2010-2020), helping over 20,000 people keep warm during winter. Tune in to hear: – What are the UN’s sustainable development goals and how do they relate to investing and business? – How did the UN settle on goals which were unanimously approved by all member nations? – There are, of course, ethical and personal reasons to run a company that is generous and environmentally sustainable, but are there financially-motivated reasons as well? – What are the differences between shareholder capitalism and stakeholder capitalism and how might these approaches coexist? – Why environmental concerns are finally being considered legitimate risks to business – How the “sdgs” are interconnected and why focusing on one will improve others

SHOW LESS

#70 / October 16, 2020

The World of Work in the Age of Covid with Jess Von Bank

Jess Von Bank (also known as JVB) is the head of marketing at Leapgen and the founder of the global world of work community Now of Work. JVB is proficient with, and passionate about, HR tech and connecting talent to opportunity. Tune in to hear: – What are potential long-term changes to the world of work as a result of the massive spike in unemployment? – How freelance and contract work can be mutually beneficial for organizations and individuals, allowing them to stay nimble, in a volatile economy – How we can rethink the compensation of contract workers to make it more personal, give them more financial security and to maintain a competitive edge with traditional employment opportunities – What’s a concrete example of a company that has implemented a thoughtful, more personalized approach to compensation and benefits for their contract workers? – What are potential forms of compensation that focus on humanistic, wellness-oriented concerns over fiscal concerns? – Some practical tips for those looking for employment in a time when so many people are unemployed – Why employers need to look at character and capabilities over hard, measurable experience when hiring new talent – Ways those who have stayed employed can act as a bridge and advocate for friends and loved ones looking for work – Some of the pros and cons of the work from home reality we are living in

  ... SHOW MORE

#69 / October 1, 2020

Jess Von Bank (also known as JVB) is the head of marketing at Leapgen and the founder of the global world of work community Now of Work. JVB is proficient with, and passionate about, HR tech and connecting talent to opportunity. Tune in to hear: – What are potential long-term changes to the world of work as a result of the massive spike in unemployment? – How freelance and contract work can be mutually beneficial for organizations and individuals, allowing them to stay nimble, in a volatile economy – How we can rethink the compensation of contract workers to make it more personal, give them more financial security and to maintain a competitive edge with traditional employment opportunities – What’s a concrete example of a company that has implemented a thoughtful, more personalized approach to compensation and benefits for their contract workers? – What are potential forms of compensation that focus on humanistic, wellness-oriented concerns over fiscal concerns? – Some practical tips for those looking for employment in a time when so many people are unemployed – Why employers need to look at character and capabilities over hard, measurable experience when hiring new talent – Ways those who have stayed employed can act as a bridge and advocate for friends and loved ones looking for work – Some of the pros and cons of the work from home reality we are living in

SHOW LESS

#69 / October 1, 2020

The Agile Methodology with Roger Whitney

Roger is the host of the Retirement Answer Man podcast and Roger That! YouTube series where he helps hundreds of clients secure their ideal retirements. He has worked as a CFP for more than 25 years and is passionate about making sure people are prepared for retirement while living their best lives along the way. He authored the book Rock Retirement: A Simple Guide to Help You Take Back Control and Be More Optimistic About the Future, and he is an instructor for the CFP program at The University of Texas Arlington. Roger enjoys spending time with his family, mountain biking, walking his Great Dane and playing board games. Tune in to hear: – How to apply “Agile methodology” from software development to the financial services industry – How to get people to accept uncertainty when we are hard-wired to hate it – If advisors should play a role in clarifying clients’ true values, motivations and goals – How prioritization can really strengthen a financial plan and the client’s ability – How the average person can make their financial life more resilient to unexpected circumstances – The biggest retirement mistake most people make

  ... SHOW MORE

#68 / September 17, 2020

Roger is the host of the Retirement Answer Man podcast and Roger That! YouTube series where he helps hundreds of clients secure their ideal retirements. He has worked as a CFP for more than 25 years and is passionate about making sure people are prepared for retirement while living their best lives along the way. He authored the book Rock Retirement: A Simple Guide to Help You Take Back Control and Be More Optimistic About the Future, and he is an instructor for the CFP program at The University of Texas Arlington. Roger enjoys spending time with his family, mountain biking, walking his Great Dane and playing board games. Tune in to hear: – How to apply “Agile methodology” from software development to the financial services industry – How to get people to accept uncertainty when we are hard-wired to hate it – If advisors should play a role in clarifying clients’ true values, motivations and goals – How prioritization can really strengthen a financial plan and the client’s ability – How the average person can make their financial life more resilient to unexpected circumstances – The biggest retirement mistake most people make

SHOW LESS

#68 / September 17, 2020

Cash Flow + Small Business with John Lentz

Now in his 31st year as a financial professional and Partner of Strategic Wealth Group, LLC. John is a Chartered Financial Consultant and member of MDRT’s Top of the Table. SWG’s mission is to help clients establish goals, make efficient decisions and implement macro strategies to reach those goals. Tune in to hear: – Why is it potential a mistake for small business owners to count on monetizing their business at a later date? – How to create cashflows today for your small business rather than relying on a future exit – How does one get their clients to consider potential negative events when it’s so hard to swallow that these could be on the horizon? – Why it’s prudent for business owners to consider their exit strategy from day 1 when starting a business – What qualities do financial professionals share with caretakers? Follow up with John: https://www.northfloridafinancial.com/team/john-lentz

  ... SHOW MORE

#67 / September 3, 2020

Now in his 31st year as a financial professional and Partner of Strategic Wealth Group, LLC. John is a Chartered Financial Consultant and member of MDRT’s Top of the Table. SWG’s mission is to help clients establish goals, make efficient decisions and implement macro strategies to reach those goals. Tune in to hear: – Why is it potential a mistake for small business owners to count on monetizing their business at a later date? – How to create cashflows today for your small business rather than relying on a future exit – How does one get their clients to consider potential negative events when it’s so hard to swallow that these could be on the horizon? – Why it’s prudent for business owners to consider their exit strategy from day 1 when starting a business – What qualities do financial professionals share with caretakers? Follow up with John: https://www.northfloridafinancial.com/team/john-lentz

SHOW LESS

#67 / September 3, 2020

Augmented Investing with Dani Fava

In her role as the Director of Innovation at TD Ameritrade Institutional, Dani oversees the development of advanced investment management and technology tools designed to help independent registered investment advisors compete and thrive in a world of accelerating change. Dani is also responsible for implementing voice-first capabilities at TD Ameritrade, which will employ conversational AI that can communicate with advisors. Dani joined TD Ameritrade in 2012 and puts more than 15 years of wealth management knowledge to work. Dani was recently named one of the top 16 Women in Wealthtech. She loves to talk about big data, finserv start-ups, artificial intelligence, CrossFit and basketball. Tune in to hear: – What the top 3 emerging trends in fintech might look like in the coming years – How technology can augment and enrich communication with a client – What roles voice might play in fintech going forward – Why direct indexing can be thought of as an emerging technology – What are some of the main criticisms of direct indexing and are these valid points? – What was a fintech trend that was predicted in the past that never came to fruition? – What steps can be taken to ensure that AI doesn’t inherit our biases

  ... SHOW MORE

#66 / August 14, 2020

In her role as the Director of Innovation at TD Ameritrade Institutional, Dani oversees the development of advanced investment management and technology tools designed to help independent registered investment advisors compete and thrive in a world of accelerating change. Dani is also responsible for implementing voice-first capabilities at TD Ameritrade, which will employ conversational AI that can communicate with advisors. Dani joined TD Ameritrade in 2012 and puts more than 15 years of wealth management knowledge to work. Dani was recently named one of the top 16 Women in Wealthtech. She loves to talk about big data, finserv start-ups, artificial intelligence, CrossFit and basketball. Tune in to hear: – What the top 3 emerging trends in fintech might look like in the coming years – How technology can augment and enrich communication with a client – What roles voice might play in fintech going forward – Why direct indexing can be thought of as an emerging technology – What are some of the main criticisms of direct indexing and are these valid points? – What was a fintech trend that was predicted in the past that never came to fruition? – What steps can be taken to ensure that AI doesn’t inherit our biases

SHOW LESS

#66 / August 14, 2020

Taking Stock and Staying Well with Joy Lere

Dr. Joy Lere is a psychologist with a practice focused on the merger of money and mindset. She has worked internationally with driven, achievement-oriented professionals who are motivated to reach the next level in their careers and finances. Tune in to hear: – Why someone with a history of anxiety may be better equipped to work through the heightened anxiety and sea change coronavirus created in our personal lives – Coronavirus has prompted many of us to take stock of our lives and consider our priorities. Will the saliency of these revelations fade quickly? If so, what steps can one take to create positive, lasting change in their life? – What factors, other than screen time, greatly effect sleep hygiene? – Ways to maintain positive interpersonal relationships while in quarantine – How to mitigate feelings of loneliness in a time where connection is limited – What does true self-care look like and how does our culture misperceive this?

  ... SHOW MORE

#65 / July 29, 2020

Dr. Joy Lere is a psychologist with a practice focused on the merger of money and mindset. She has worked internationally with driven, achievement-oriented professionals who are motivated to reach the next level in their careers and finances. Tune in to hear: – Why someone with a history of anxiety may be better equipped to work through the heightened anxiety and sea change coronavirus created in our personal lives – Coronavirus has prompted many of us to take stock of our lives and consider our priorities. Will the saliency of these revelations fade quickly? If so, what steps can one take to create positive, lasting change in their life? – What factors, other than screen time, greatly effect sleep hygiene? – Ways to maintain positive interpersonal relationships while in quarantine – How to mitigate feelings of loneliness in a time where connection is limited – What does true self-care look like and how does our culture misperceive this?

SHOW LESS

#65 / July 29, 2020

The Cognitive Theory of Noise with Phil Pearlman

Phil Pearlman is the Chief Community Officer at Stocktwits, the world’s largest community of investors and traders. Phil previously worked as the Director of Marketing at Bank OZK and as the Interactive Editor at Yahoo Finance. On his blog Eight Fat Swine, Phil looks at questions about behavior and irrationality and seeks out solutions that foster lasting, and adaptive, change. Phil is interested in the psychology of investor behavior, UI and the development of online communities. He has a doctorate in clinical psychology from Argosy University. Phil lives with his wife and two boys in Montebello, New York. Tune in to hear: – What different perspectives do clinical and social psychologists lend to understanding the market? – What parallels and contrasts can be made between irrationality in the marketplace and clinical mental illness? – Is a comprehensive theory of investor behavior a possibility? – Can we hope for predictive power from a behavioral finance theory of behavior?

  ... SHOW MORE

#64 / July 9, 2020

Phil Pearlman is the Chief Community Officer at Stocktwits, the world’s largest community of investors and traders. Phil previously worked as the Director of Marketing at Bank OZK and as the Interactive Editor at Yahoo Finance. On his blog Eight Fat Swine, Phil looks at questions about behavior and irrationality and seeks out solutions that foster lasting, and adaptive, change. Phil is interested in the psychology of investor behavior, UI and the development of online communities. He has a doctorate in clinical psychology from Argosy University. Phil lives with his wife and two boys in Montebello, New York. Tune in to hear: – What different perspectives do clinical and social psychologists lend to understanding the market? – What parallels and contrasts can be made between irrationality in the marketplace and clinical mental illness? – Is a comprehensive theory of investor behavior a possibility? – Can we hope for predictive power from a behavioral finance theory of behavior?

SHOW LESS

#64 / July 9, 2020

The Four Horsemen of the Retirement Apocalypse with Larry Swedroe

Larry Swedroe is the Chief Research Officer at Buckingham Strategic Wealth. He is a pioneer within evidence-based investing that focuses on a scientific approach to investment. He is the author of seven books, including The Only Guide to a Winning Investment Strategy You’ll Ever Need, and the co-author of eight other investment books. At Buckingham, Larry synthesizes peer-reviewed financial journals to come up with custom investment strategies for the firm. He’s made appearances on NBC, CNBC, CNN and Bloomberg Personal Finance and is a regular contributor to Advisor Perspectives and ETF.com. He holds an MBA in finance and investment from NYU. Tune in to hear: – Why money might not be the most important factor in a fulfilling retirement – How you can further elucidate your non-fiscal values and goals in retirement – What are the roles of bonds in a low yield world? – Why you shouldn’t think of dividends as income – How can pre-retirees prepare for the rapid decline in Social Security funding? – What can practical steps can one take to account for extended life expectancy? – What are some unique considerations when face in preparing for retirement?

  ... SHOW MORE

#63 / June 26, 2020

Larry Swedroe is the Chief Research Officer at Buckingham Strategic Wealth. He is a pioneer within evidence-based investing that focuses on a scientific approach to investment. He is the author of seven books, including The Only Guide to a Winning Investment Strategy You’ll Ever Need, and the co-author of eight other investment books. At Buckingham, Larry synthesizes peer-reviewed financial journals to come up with custom investment strategies for the firm. He’s made appearances on NBC, CNBC, CNN and Bloomberg Personal Finance and is a regular contributor to Advisor Perspectives and ETF.com. He holds an MBA in finance and investment from NYU. Tune in to hear: – Why money might not be the most important factor in a fulfilling retirement – How you can further elucidate your non-fiscal values and goals in retirement – What are the roles of bonds in a low yield world? – Why you shouldn’t think of dividends as income – How can pre-retirees prepare for the rapid decline in Social Security funding? – What can practical steps can one take to account for extended life expectancy? – What are some unique considerations when face in preparing for retirement?

SHOW LESS

#63 / June 26, 2020

About Dr. Daniel Crosby

Dr. Daniel Crosby

Dr. Daniel Crosby is a psychologist and behavioral finance expert. His first book, Personal Benchmark: Integrating Behavioral Finance and Investment Management, was a New York Times bestseller. His second book, The Laws of Wealth, was named the best investment book of 2017 by the Axiom Business Book Awards, and his latest work, The Behavioral Investor, is an in-depth look at how sociology, psychology and neurology all impact investment decision-making. Dr. Crosby has also contributed to Living Confidently previously to create our Vision Test and Personality Quiz.

All opinions expressed by Dr. Daniel Crosby and podcast guests are solely their own opinions and do not reflect the opinion of The Guardian Life Insurance Company of America (Guardian) and its affiliates, subsidiaries, employees and agents. This podcast is for informational purposes only and should not be relied upon as a basis for legal, tax and investment decisions, as participants are not undertaking advice for any specific individual or situation. The opinions are based upon information participants consider reliable and Dr. Crosby and Guardian are not responsible for the consequences of any decisions or actions taken because of the information provided. Not all guests are not employees of Guardian or any of its affiliates.  GUARDIAN® and the GUARDIAN G® logo are registered service marks and are used with express permission.  All materials are subject to United States copyright laws.  © 2018 Guardian. 2018-67236 Exp 9/2020