ALL EPISODES

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

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?

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#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?

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#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?

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#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?

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#63 / June 26, 2020

Immigrants + Finance with Iván Watanabe (Pt. Two)

Iván is a graduate of the College of the Holy Cross with a bachelor’s degree in political science and Spanish literature and brings a unique blend of analytical and holistic thinking to each of his clients. Iván’s expertise is in asset protection, wealth accumulation and wealth distribution strategies. His vast knowledge and rich experience in the finance industry earned him one of the most prestigious industry awards, the President’s Council Award in 2018. The son of a Venezuelan mother and a Japanese father, Iván enjoys working with families of diverse backgrounds; he is particularly sensitive to and appreciative of the nuances that come with various cultures in the context of planning for the future. His contributions to the Latino business community have been recognized on a national stage, and he was voted one of El Mundo Magazine’s Latino 30 Under 30 in 2016. Iván is also a former board member of the New York chapter of the Association of Latino Professionals For America (ALPFA), and he remains an active corporate liaison to help advance the success of Latino professionals. He and his wife are residents of Westchester. He spends his free time playing basketball, golf, and cheering for his favorite sports teams, the Boston Celtics, Boston Red Sox, and Miami Dolphins. Tune in to hear: – How do various cultures differ on their views of wealth and propensity to openly discuss financial matters? – What are some of the unique financial concerns and strengths faced by immigrant families? – Financial preparation takeaways from coronavirus and other disruptive, unexpected events. – For many first generation families, owning property is a sign of financial success and a big priority – what is the genesis of this belief, and how does one counsel their clients to take a more diversified approach? – What practices could American money culture adopt from immigrant cultures to strengthen our approach to investment and savings? Follow up with Iván:
Web – www.opus-pc.com
LinkedIn –www.linkedin.com/in/iv%C3%A1n-watanabe-2185a49

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#62 / June 12, 2020

Iván is a graduate of the College of the Holy Cross with a bachelor’s degree in political science and Spanish literature and brings a unique blend of analytical and holistic thinking to each of his clients. Iván’s expertise is in asset protection, wealth accumulation and wealth distribution strategies. His vast knowledge and rich experience in the finance industry earned him one of the most prestigious industry awards, the President’s Council Award in 2018. The son of a Venezuelan mother and a Japanese father, Iván enjoys working with families of diverse backgrounds; he is particularly sensitive to and appreciative of the nuances that come with various cultures in the context of planning for the future. His contributions to the Latino business community have been recognized on a national stage, and he was voted one of El Mundo Magazine’s Latino 30 Under 30 in 2016. Iván is also a former board member of the New York chapter of the Association of Latino Professionals For America (ALPFA), and he remains an active corporate liaison to help advance the success of Latino professionals. He and his wife are residents of Westchester. He spends his free time playing basketball, golf, and cheering for his favorite sports teams, the Boston Celtics, Boston Red Sox, and Miami Dolphins. Tune in to hear: – How do various cultures differ on their views of wealth and propensity to openly discuss financial matters? – What are some of the unique financial concerns and strengths faced by immigrant families? – Financial preparation takeaways from coronavirus and other disruptive, unexpected events. – For many first generation families, owning property is a sign of financial success and a big priority – what is the genesis of this belief, and how does one counsel their clients to take a more diversified approach? – What practices could American money culture adopt from immigrant cultures to strengthen our approach to investment and savings? Follow up with Iván:
Web – www.opus-pc.com
LinkedIn –www.linkedin.com/in/iv%C3%A1n-watanabe-2185a49

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#62 / June 12, 2020

Immigrants + Finance with Ashvin Chheda (Pt. One)

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 48 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 48 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

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