ALL EPISODES

Women and Investing with Kelly Eng & Lynsey Freeman

Kelly is a Wealth Management Advisor at WestPac Wealth Partners. Kelly works with her clients in all aspects of financial wealth advisory including: asset protection, wealth accumulation and financial coordination. Kelly previously worked in Institutional and Portfolio Management. Her experience in the corporate world provided her a deep financial foundation but left her wanting to help people in a more personal way. After some personal experiences, Kelly made the switch to helping individuals, families and business owners and feels deeply rewarded by helping and coaching them onto a better financial path. Kelly graduated from Cornell University with a degree in Business Management. She has her CFA Designation, Investment, Life and Health licenses. In her free time, you will find her eating all types of cuisines, traveling domestically and internationally, spending time with family and friends and dancing salsa. Lynsey Freeman’s passion is to teach her clients the art of money management – how to protect it, save it, invest it, spend it wisely and enjoy it through every stage of life. She provides a simple yet highly effective method of approaching finance – in a fun, personalized, compassionate, relatable and realistic way. Lynsey is a Managing Director at WestPac Wealth Partners based out of the Las Vegas office. She was born and raised in Las Vegas, Nevada and later finished her Bachelor’s Degree in Business Finance from the University of Nevada, Las Vegas. In addition to her career, Lynsey is focused on putting her passions and skills to good use by supporting local organizations and projects. In her spare time, you can find her on the golf course, yoga studio or spending time with her puppies. Tune in to hear: – What are some of the advantages of being a woman that make them uniquely suited to financial advising? – How might some of women’s strengths, when overextended, become weaknesses or impediments to investing? – In spite of women’s outperformance, surveys show that the general public believes men are better money managers. How can the financial industry begin to remedy this misunderstanding? – Women, on average, are less confident in their ability to manage money than men. How can we narrow this confidence gap while still retaining women’s aptitude for care and research in investing? – How can the financial services industry better meet the unique needs of women, both as investors and as clients?

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#74 / February 4, 2021

Kelly is a Wealth Management Advisor at WestPac Wealth Partners. Kelly works with her clients in all aspects of financial wealth advisory including: asset protection, wealth accumulation and financial coordination. Kelly previously worked in Institutional and Portfolio Management. Her experience in the corporate world provided her a deep financial foundation but left her wanting to help people in a more personal way. After some personal experiences, Kelly made the switch to helping individuals, families and business owners and feels deeply rewarded by helping and coaching them onto a better financial path. Kelly graduated from Cornell University with a degree in Business Management. She has her CFA Designation, Investment, Life and Health licenses. In her free time, you will find her eating all types of cuisines, traveling domestically and internationally, spending time with family and friends and dancing salsa. Lynsey Freeman’s passion is to teach her clients the art of money management – how to protect it, save it, invest it, spend it wisely and enjoy it through every stage of life. She provides a simple yet highly effective method of approaching finance – in a fun, personalized, compassionate, relatable and realistic way. Lynsey is a Managing Director at WestPac Wealth Partners based out of the Las Vegas office. She was born and raised in Las Vegas, Nevada and later finished her Bachelor’s Degree in Business Finance from the University of Nevada, Las Vegas. In addition to her career, Lynsey is focused on putting her passions and skills to good use by supporting local organizations and projects. In her spare time, you can find her on the golf course, yoga studio or spending time with her puppies. Tune in to hear: – What are some of the advantages of being a woman that make them uniquely suited to financial advising? – How might some of women’s strengths, when overextended, become weaknesses or impediments to investing? – In spite of women’s outperformance, surveys show that the general public believes men are better money managers. How can the financial industry begin to remedy this misunderstanding? – Women, on average, are less confident in their ability to manage money than men. How can we narrow this confidence gap while still retaining women’s aptitude for care and research in investing? – How can the financial services industry better meet the unique needs of women, both as investors and as clients?

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#74 / February 4, 2021

Becoming More Human with Chau Lai

Chau Lai first found her passion for finance as an Economics Major at the University of California San Diego. At the advice of her professors to “invest early,” Chau pooled her savings to invest half and the rest independently at the age of 17. Real-world experiences and early childhood struggles taught Chau important lessons regarding building and preserving wealth. They inspired her to craft her own unique investing methodology and personally redefine the meaning of success. She established her business in June 1997. Since then, she has enjoyed working with accomplished business owners and their families to create legacy and help protect wealth for future generations. Her progressive mindset and strong work ethic provide focus and direction for her clients to help accomplish their financial goals with an emphasis on wellness and balance. Chau helps her clients find their true purpose for money and to redefine the meaning of success. Tune in to hear: – How to keep your clients grounded in the present while making space for dreaming about future possibilities? – Some takeaways from someone who grew up with conflicting money scripts / parental examples – Ways we can become self-aware of detrimental financial habits that we take for granted – Should financial professionals be candid about their personal history and relationship to finance or might this hinder their ability to serve their clients’ interests? – Are financial professionals trending towards a more holistic, personalized approach to wellness? – Ways in which financial professionals can compete with machine learning and AI www.chaulai.com

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#73 / February 1, 2021

Chau Lai first found her passion for finance as an Economics Major at the University of California San Diego. At the advice of her professors to “invest early,” Chau pooled her savings to invest half and the rest independently at the age of 17. Real-world experiences and early childhood struggles taught Chau important lessons regarding building and preserving wealth. They inspired her to craft her own unique investing methodology and personally redefine the meaning of success. She established her business in June 1997. Since then, she has enjoyed working with accomplished business owners and their families to create legacy and help protect wealth for future generations. Her progressive mindset and strong work ethic provide focus and direction for her clients to help accomplish their financial goals with an emphasis on wellness and balance. Chau helps her clients find their true purpose for money and to redefine the meaning of success. Tune in to hear: – How to keep your clients grounded in the present while making space for dreaming about future possibilities? – Some takeaways from someone who grew up with conflicting money scripts / parental examples – Ways we can become self-aware of detrimental financial habits that we take for granted – Should financial professionals be candid about their personal history and relationship to finance or might this hinder their ability to serve their clients’ interests? – Are financial professionals trending towards a more holistic, personalized approach to wellness? – Ways in which financial professionals can compete with machine learning and AI www.chaulai.com

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#73 / February 1, 2021

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?

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#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?

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#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?

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#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?

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#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

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#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

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#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

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#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

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#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

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#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

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#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

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#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

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#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

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#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

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#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?

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#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?

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#65 / July 29, 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