ALL EPISODES

Immigrants + Finance (Pt. One) with Ashvin Chheda

Ashvin Chheda, President & Managing Director at Opes One Advisors, was born in Ibadan, Nigeria. He was fortunate to be raised on the University of Ibadan campus, where his parents were professors. Moving to the UK, Ashvin earned a Bachelors of Engineering in Electrical Engineering from the University of Manchester Institute of Science and Tech, and subsequently moved to the US to complete a Master’s of Science at the University of Michigan. While employed at a large telecom company in the 90’s, Ashvin was exposed to a set of elegant and innovative financial strategies. He earned the appropriate licenses and has achieved a great deal in the past decade as a financial professional and mentor. He has 38 patents granted for sophisticated solutions to various engineering problems and has redirected and harnessed this level of energy and innovation for his financial planning practice. He has won numerous Centurian club awards. Tune in to hear:
– What impact from coronavirus is Ashvin seeing on his clients?
– Which workforce sectors are getting hardest hit, so far, by Covid-19?
– Potential approaches financial professionals can take when there are unprecedented levels of uncertainty
– What the concept of “bucketing” means within a financial plan and how this can encourage positive investment behavior
– How to counsel a client set on sending money home to family abroad without having their own stable financial house secured
– While every person’s financial situation is unique, how in general do the financial concerns of a first generation American differ from say, a fourth generation American?
– What are some unique financial planning considerations for clients on a work visa?
Follow up with Ashvin: https://www.ashvinchheda.com

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#61 / May 28, 2020

Ashvin Chheda, President & Managing Director at Opes One Advisors, was born in Ibadan, Nigeria. He was fortunate to be raised on the University of Ibadan campus, where his parents were professors. Moving to the UK, Ashvin earned a Bachelors of Engineering in Electrical Engineering from the University of Manchester Institute of Science and Tech, and subsequently moved to the US to complete a Master’s of Science at the University of Michigan. While employed at a large telecom company in the 90’s, Ashvin was exposed to a set of elegant and innovative financial strategies. He earned the appropriate licenses and has achieved a great deal in the past decade as a financial professional and mentor. He has 38 patents granted for sophisticated solutions to various engineering problems and has redirected and harnessed this level of energy and innovation for his financial planning practice. He has won numerous Centurian club awards. Tune in to hear:
– What impact from coronavirus is Ashvin seeing on his clients?
– Which workforce sectors are getting hardest hit, so far, by Covid-19?
– Potential approaches financial professionals can take when there are unprecedented levels of uncertainty
– What the concept of “bucketing” means within a financial plan and how this can encourage positive investment behavior
– How to counsel a client set on sending money home to family abroad without having their own stable financial house secured
– While every person’s financial situation is unique, how in general do the financial concerns of a first generation American differ from say, a fourth generation American?
– What are some unique financial planning considerations for clients on a work visa?
Follow up with Ashvin: https://www.ashvinchheda.com

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#61 / May 28, 2020

Overcoming Imposter Syndrome 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: – What is “an existential boundary experience?” – How we can hold on to, and harness, the clarity that moments of hardship and grief can afford us – How saying “no” more often can help you lead your best life – What to consider when saying “no” or “yes” at crossroads in your life – What is ‘imposter syndrome?’ – How to overcome imposter syndrome

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#60 / May 14, 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: – What is “an existential boundary experience?” – How we can hold on to, and harness, the clarity that moments of hardship and grief can afford us – How saying “no” more often can help you lead your best life – What to consider when saying “no” or “yes” at crossroads in your life – What is ‘imposter syndrome?’ – How to overcome imposter syndrome

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#60 / May 14, 2020

The Future of Fintech with Kyle Van Pelt

Kyle specializes in connecting the dots between the future of technology and finance, building strategic relationships and connecting people. He’s currently working with SS&C Advent and is focused on shaping the Black Diamond Wealth Platform for large financial service firms. Kyle lives in Georgia with his wife and 4 children and he’s passionate about golf, craft coffee, southern cooking, the ATL falcons and charitable works. Tune in to hear: – What we can learn from financial failures – Why a fintech revolution/upheaval likely won’t replace the role of financial professionals – Why a “one click” approach modeled on tech giants like Amazon, Netflix and Uber may not be suitable for behavior-based financial technologies – How financial professionals could become even more crucial in a world where trades happen with increased ease and convenience – How to start a conversation around charitable giving with your clients – Why you shouldn’t be afraid to humble brag

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#59 / April 30, 2020

Kyle specializes in connecting the dots between the future of technology and finance, building strategic relationships and connecting people. He’s currently working with SS&C Advent and is focused on shaping the Black Diamond Wealth Platform for large financial service firms. Kyle lives in Georgia with his wife and 4 children and he’s passionate about golf, craft coffee, southern cooking, the ATL falcons and charitable works. Tune in to hear: – What we can learn from financial failures – Why a fintech revolution/upheaval likely won’t replace the role of financial professionals – Why a “one click” approach modeled on tech giants like Amazon, Netflix and Uber may not be suitable for behavior-based financial technologies – How financial professionals could become even more crucial in a world where trades happen with increased ease and convenience – How to start a conversation around charitable giving with your clients – Why you shouldn’t be afraid to humble brag

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#59 / April 30, 2020

What’s Your Financial Personality with Lisa Brenneman

Lisa Brenneman is the Behavioral Finance and Strategic Innovation leader at TD Wealth. She created the TD Wealth Personality Assessment Tool using the Five Factor Model of Personality, helping enable clients and their representatives to identify their financial and investing blind spots. Tune in to hear: – What are the “Big 5” measures of personality? – What lessons can financial professionals learn from the Big 5 personality elements? – How openness to experience impacts one’s financial decision-making – How gender plays into potential biological markers of financial success – How to think about extroversion in financial terms – How financial professionals should think about their clients inclination towards agreeableness

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#58 / April 16, 2020

Lisa Brenneman is the Behavioral Finance and Strategic Innovation leader at TD Wealth. She created the TD Wealth Personality Assessment Tool using the Five Factor Model of Personality, helping enable clients and their representatives to identify their financial and investing blind spots. Tune in to hear: – What are the “Big 5” measures of personality? – What lessons can financial professionals learn from the Big 5 personality elements? – How openness to experience impacts one’s financial decision-making – How gender plays into potential biological markers of financial success – How to think about extroversion in financial terms – How financial professionals should think about their clients inclination towards agreeableness

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#58 / April 16, 2020

Value Investment in a Changing World with Jack Forehand

Jack Forehand is a partner at Validea Capital and is responsible for the firm’s overall operations and portfolio management. Working in conjunction with founder John Reese, Jack led the development and optimization of Validea Capital’s quantitative investment models. He is also the co-author of The Guru Investor: How to Beat the Market Using History’s Best Investment Strategies. Jack graduated from the honors program of the University of Connecticut with a B.A. in Economics and is a CFA charterholder. Prior to founding Validea Capital, Jack spent five years developing quantitative models for an Internet research company. He also worked as a controller for a small company and an analyst for a Big Five accounting firm. Jack co-founded Validea Capital in 2004. Tune in to hear:
– if the market is truly unsolvable
– if trying to solve the market is actually detrimental to performance
– how big data could effect value stocks
– why value investing is a bet against technology

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#57 / April 6, 2020

Jack Forehand is a partner at Validea Capital and is responsible for the firm’s overall operations and portfolio management. Working in conjunction with founder John Reese, Jack led the development and optimization of Validea Capital’s quantitative investment models. He is also the co-author of The Guru Investor: How to Beat the Market Using History’s Best Investment Strategies. Jack graduated from the honors program of the University of Connecticut with a B.A. in Economics and is a CFA charterholder. Prior to founding Validea Capital, Jack spent five years developing quantitative models for an Internet research company. He also worked as a controller for a small company and an analyst for a Big Five accounting firm. Jack co-founded Validea Capital in 2004. Tune in to hear:
– if the market is truly unsolvable
– if trying to solve the market is actually detrimental to performance
– how big data could effect value stocks
– why value investing is a bet against technology

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#57 / April 6, 2020

Leveraging Uncertainty with Paul Hebert

Paul Hebert is the Vice President of Individual Performance Strategy at Creative Group, and is widely considered an expert on motivation and incentives focused on influencing behaviors that drive business results through employees, channel partners and consumers. Using tested behavioral economic and motivational ideas he has driven engagement programs at Michelin, Chrysler Service and Parts, Toyota Financial Services, AT&T, Goodyear and a variety of other Fortune 1000 companies. Tune in to hear: – why we are built to avoid numbers and hate uncertainty – how uncertainty impacts employees in the workplace – practical tips for facing uncertain, but rewarding, situations – how social proof can be used in the client/investor relationship

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#56 / March 23, 2020

Paul Hebert is the Vice President of Individual Performance Strategy at Creative Group, and is widely considered an expert on motivation and incentives focused on influencing behaviors that drive business results through employees, channel partners and consumers. Using tested behavioral economic and motivational ideas he has driven engagement programs at Michelin, Chrysler Service and Parts, Toyota Financial Services, AT&T, Goodyear and a variety of other Fortune 1000 companies. Tune in to hear: – why we are built to avoid numbers and hate uncertainty – how uncertainty impacts employees in the workplace – practical tips for facing uncertain, but rewarding, situations – how social proof can be used in the client/investor relationship

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#56 / March 23, 2020

The Experience Economy with Dennis Moseley Williams

Dennis Moseley Williams is an entrepreneur, founder of DMW Strategic Consulting and author of ‘Serious Shift: How Experience Staging Can Save Your Practice.’ He’s also a certified expert of the Experience Economy (Pine and Gilmore).  Tune in to hear: – how luck plays into personal and financial success – how one’s personality factors into how “lucky” they are – the difference between customer service and customer experience – how Financial Professionals can create experiences which help transform their clients – how using a niche to define your client base improves business – lessons from the experience economy for our relationship with a significant other

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#55 / March 6, 2020

Dennis Moseley Williams is an entrepreneur, founder of DMW Strategic Consulting and author of ‘Serious Shift: How Experience Staging Can Save Your Practice.’ He’s also a certified expert of the Experience Economy (Pine and Gilmore).  Tune in to hear: – how luck plays into personal and financial success – how one’s personality factors into how “lucky” they are – the difference between customer service and customer experience – how Financial Professionals can create experiences which help transform their clients – how using a niche to define your client base improves business – lessons from the experience economy for our relationship with a significant other

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#55 / March 6, 2020

The Future of Voice with Emily Binder

Emily Binder is an entrepreneur, speaker, and founder of Beetle Moment Marketing. She focuses on AI and voice assistants, branded audio content, and digital strategy. Tune in to hear:
– if synchronicity can be cultivated or if it is just random
– why people often dislike their own voice
– why voice is more compelling than text or visuals
– what ingredients make for a successful podcast
– if the podcast phenomena reached it’s peak

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#54 / February 20, 2020

Emily Binder is an entrepreneur, speaker, and founder of Beetle Moment Marketing. She focuses on AI and voice assistants, branded audio content, and digital strategy. Tune in to hear:
– if synchronicity can be cultivated or if it is just random
– why people often dislike their own voice
– why voice is more compelling than text or visuals
– what ingredients make for a successful podcast
– if the podcast phenomena reached it’s peak

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#54 / February 20, 2020

Mapping the Market with Sean Brown

President and CEO of YCharts, a Chicago-based, cloud provider of financial data and analysis/visualization tools. They help enable smarter investment decisions via providing robust data, intuitive tools and outstanding customer support. Sean received his MBA in Finance and Entrepreneurship from Stanford’s Graduate School of Business and he graduated in the top 10% of his class. Tune in to hear: – how to be selective about the data for your investment strategy – why loss can make us better leaders – three things to look for in a sound investment strategy – the median recovery time for a stock to bounce back after consumer scares – the impact of Trump’s tweets on the market at large – if IPOs outperform the market, on average, in their first 3 years – what markets and puppies have in common

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#53 / February 6, 2020

President and CEO of YCharts, a Chicago-based, cloud provider of financial data and analysis/visualization tools. They help enable smarter investment decisions via providing robust data, intuitive tools and outstanding customer support. Sean received his MBA in Finance and Entrepreneurship from Stanford’s Graduate School of Business and he graduated in the top 10% of his class. Tune in to hear: – how to be selective about the data for your investment strategy – why loss can make us better leaders – three things to look for in a sound investment strategy – the median recovery time for a stock to bounce back after consumer scares – the impact of Trump’s tweets on the market at large – if IPOs outperform the market, on average, in their first 3 years – what markets and puppies have in common

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#53 / February 6, 2020

Working to Understand the Markets with Greg Zuckerman

Gregory Zuckerman is a Special Writer at The Wall Street Journal. He writes about big financial trades, hedge funds, private-equity firms and other investing and business topics. In the past, Greg wrote the “Heard on the Street” column and covered the credit markets for the paper. Greg is the author of “The Frackers: The Outrageous Inside Story of the New Billionaire Wildcatters,” published November 2013 by Penguin Press. He’s also the author of “The Greatest Trade Ever: The Behind-the-Scenes Story of How John Paulson Defied Wall Street and Made Financial History,” published in December 2010 by Crown Business, a division of Random House. Greg and his two sons wrote Rising Above: How 11 Athletes Overcame Challenges in their Youth to Become Stars,” a book for young readers and adults that describes the moving and remarkable stories of how various stars overcame imposing setbacks in their youth. Greg joined the Journal in 1996 after writing about media companies for the New York Post. Previously, he was the managing editor of Mergers & Acquisitions Report, a newsletter published by Investment Dealers’ Digest. Greg graduated from Brandeis University in 1988, Magna Cum Laude. He lives with his wife and two sons in West Orange, N.J., where they enjoy the Yankees in the summer, the Giants in the fall, and reminisce about Jeremy Lin in the winter.   Listen in to hear: – how Jim Simons cracked the market with no financial background – why Renaissance Technologies is so secretive and private – how the investment landscape has shifted with the introduction of quant – why it is hard for new quant firms to compete on the same level as companies like Rentec   Email – [email protected] Twitter – @GZuckerman

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#52 / January 29, 2020

Gregory Zuckerman is a Special Writer at The Wall Street Journal. He writes about big financial trades, hedge funds, private-equity firms and other investing and business topics. In the past, Greg wrote the “Heard on the Street” column and covered the credit markets for the paper. Greg is the author of “The Frackers: The Outrageous Inside Story of the New Billionaire Wildcatters,” published November 2013 by Penguin Press. He’s also the author of “The Greatest Trade Ever: The Behind-the-Scenes Story of How John Paulson Defied Wall Street and Made Financial History,” published in December 2010 by Crown Business, a division of Random House. Greg and his two sons wrote Rising Above: How 11 Athletes Overcame Challenges in their Youth to Become Stars,” a book for young readers and adults that describes the moving and remarkable stories of how various stars overcame imposing setbacks in their youth. Greg joined the Journal in 1996 after writing about media companies for the New York Post. Previously, he was the managing editor of Mergers & Acquisitions Report, a newsletter published by Investment Dealers’ Digest. Greg graduated from Brandeis University in 1988, Magna Cum Laude. He lives with his wife and two sons in West Orange, N.J., where they enjoy the Yankees in the summer, the Giants in the fall, and reminisce about Jeremy Lin in the winter.   Listen in to hear: – how Jim Simons cracked the market with no financial background – why Renaissance Technologies is so secretive and private – how the investment landscape has shifted with the introduction of quant – why it is hard for new quant firms to compete on the same level as companies like Rentec   Email – [email protected] Twitter – @GZuckerman

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#52 / January 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