Free Lunch: Recent Episodes
The CM Group
Join us on the Free Lunch as we discuss educational content on investing, savings strategies, financial planning, and all of things that are important that require planning, money and time.
The Free Lunch Podcast is hosted by The CM Group a wealth management team that has been working with investors since 1985. At the core of our investment philosophy, you will find these principles: -Markets Are Efficient and Work over Time -Successful Investing Results from a Long-Term Disciplined Approach -Fear and Greed Degrade Portfolio Returns -Costs Make a Difference -Portfolio Diversification Reduces Risk
To learn more about The CM Group visit our website https://markets-work.com/ and listen to our podcast every Wednesday.
What's the best investment move you can make this summer? According to Colin, it's nothing. Or almost nothing.
In this solo episode, Colin trades market talk for a summer reading list: seven books he believes can make you a better investor, and most of them aren't really about investing at all.
From why doing well with money has more to do with behaviour than intelligence, to the concept of memory dividends and why some experiences come with expiration dates, Colin makes the case that the best investors are lifelong learners.
He wraps with a simple summer challenge: read one book that makes you think differently. Because in Colin's words, successful investing isn't about predicting the future. It's about becoming the kind of person who's prepared for it.
What if the biggest financial planning mistake has nothing to do with your investments?
This week on The Free Lunch Podcast, Colin sits down with Lori Curtiss, a fee based financial planner with a master's in financial psychology, to dig into the money story playing in your head and how it quietly shapes every decision you make, from the grocery aisle to your retirement plan.
Colin and Lori get into the debt traps that are easier to fall into than ever (wait until you hear the rolled over car loan numbers), the real answer to "should I pay down my mortgage or invest," and why the questions you're too embarrassed to ask are far more common than you think.
Because knowing you're going to be okay starts with being willing to look.
What does a $175,000 chuckwagon tarp have to do with your portfolio? More than you'd think.
Fresh off Stampede season, Colin and Jacob take on one of Calgary's flashiest marketing traditions and ask the question nobody at the rodeo is asking: where does that money actually come from? Colin runs the math on what a six figure sponsorship might really require in revenue to support it, and the number will surprise you.
From there, the conversation gets bigger. Why do some of the wealthiest people drive modest cars? What can Costco's concrete floors teach us about building real value? And why does Colin believe every dollar in a business, just like every dollar in a portfolio, has a job to do?
It's a fun one with a serious point: looking successful and being successful are not the same thing, and knowing the difference might be the most valuable skill in investing.
Get rich quick and get skinny quick have a lot in common. Neither one works.
This week on The Free Lunch Podcast, Colin and Greg welcome Phil McInnis, Chief Investment Strategist at Avantis Investors, who compares building wealth to building fitness. In his view, it's not the shortcuts that matter, it's the boring basics done consistently over decades.
From goal setting to factor investing to why your brain isn't wired for market swings, Phil shares what he thinks investors with 10, 20, or 30 years ahead of them should focus on.
The World Cup isn't just great TV, it's one of the best crash courses in investing you'll ever get. In this solo episode, Colin breaks down what championship soccer teams can teach us about building a championship portfolio: why the best team doesn't always win on any given day, why bonds are the unsung goalkeeper of your portfolio, and why chasing last year's hottest stock is a lot like betting on last year's Golden Boot winner.
Plus, why "home field advantage" might be quietly costing Canadian investors returns. Whether you're watching every match or don't know a striker from a midfielder, this episode will change how you think about risk, discipline, and playing the long game.
Great companies do not always make great investments
With AI stocks grabbing headlines lately, Colin and Greg ask the question a lot of investors skip: what are you actually paying for that future growth?
In this episode of The Free Lunch Podcast, they talk through market concentration, the Magnificent Seven, and why a diversified portfolio usually beats chasing the next big theme, whether that's AI today or dot coms back in 2000.
What if "higher for longer" just means normal?
That's the question Colin and Jacob dig into on this week's episode of The Free Lunch Podcast, and it's one worth sitting with.
For most of the last decade, ultra-low interest rates felt like the baseline. But historically? They were the anomaly. Colin and Jacob talk through what the new Fed chair's first meeting signals, why the bond market matters more than most people think, and what today's rate environment actually means for retirees, homeowners, and long-term investors.
Colin and Greg had one of their most honest conversations yet on The Free Lunch Podcast this week, talking through IPO mania, the current wave of AI and space company offerings, and why the strategies that sound disciplined on paper often fall apart in practice.
Their take? If you want to put a small slice of your portfolio into something speculative because you find it interesting, that's very different from betting your future on it.
The single biggest lesson from 30 years in the industry? Markets reward ownership, not prediction.
In this episode of The Free Lunch Podcast, Greg sits down with Jacob for a mentorship-style conversation about what actually works in investing and what consistently fails. They dig into why so many investors hurt themselves trying to outsmart the market, and why staying invested and diversified tends to beat almost every clever strategy people try.
Greg puts it simply: the real challenge in investing isn't intellectual. It's behavioural.
Estate planning isn't just for the ultra-wealthy. It's for anyone who owns a home, has kids, or simply wants to make a hard time a little easier for the people they love.
In this episode of The Free Lunch Podcast, Colin and Blair break down what estate planning actually looks like for everyday Canadian families, including the tax surprises most people don't see coming, why your beneficiary designations might be quietly working against you, and what Blair calls "the most important document you'll ever have."
As Blair puts it, estate planning is really an act of care. It's not about paperwork. It's about the people.
What is likely to work in investing? According to Colin, it's the advice nobody gets excited about.
Stay diversified. Rebalance consistently. Cut your tax bill. Understand your own behavioural blind spots. None of it is glamorous, but the data generally backs it up.
Colin and Greg get into all of it on this episode of The Free Lunch Podcast, including why "which stock should I buy" may be the wrong question.
Some private credit funds have recently faced redemption pressure, bringing renewed attention to liquidity risk in the asset class.
Colin and Greg walk through what private credit is, why it grew rapidly after the 2008 financial crisis, and how the "illiquidity premium” works in practice on The Free Lunch Podcast.
If you've been hearing a lot about private credit lately and weren't totally sure what to make of it, this one is for you.
Colin and Greg brought in one of the sharpest minds in fixed income to answer that question. Tony Crescenzi from PIMCO discusses the bond market like a supermarket with 150 trillion dollars worth of aisles, and explains why knowing which shelf to shop from could matter as much as anything else in your portfolio.
In this episode of The Free Lunch Podcast, they get into inflation thresholds, starting yields, global diversification and why active management tends to win in bonds in ways it often doesn't in stocks.
That 12% yield might sound incredible. Until you find out what it is based on.
Structured notes are often marketed as the best of both worlds — income, protection, and upside. But Colin and Greg argue you can’t have it all, and that the tradeoffs matter.
In this episode of The Free Lunch Podcast, they break down what structured notes are, how the payout is generated, and why keeping things simple may be a better fit for some investors.
Greg makes the case on The Free Lunch Podcast that the investors who struggle most aren't the ones lacking knowledge. They're the ones who can't ask themselves: "What if I'm wrong?"
Colin and Greg unpack why decorum and diplomacy, the same things missing from today's geopolitical headlines, are actually core investing skills. Staying composed when markets test your patience isn't weakness, it’s a meaningful advantage over time.
Does watching financial news actually make you a better investor?
Colin and Greg dig into that question on this week's episode of The Free Lunch Podcast, breaking down how financial media is designed to create urgency, not returns, and what that can do to investor behaviour over time.
If you've ever felt the urge to do something with your portfolio after watching the news, this one's worth a listen.
Investing well is supposed to be boring.
Most people think great investing means staying on top of the markets, catching the right stocks, and making smart moves. Colin and Greg would say that's exactly the problem.
In this episode of The Free Lunch Podcast, they use DIY home renovation as a surprisingly perfect analogy for what goes wrong when people manage their own money. The mistakes aren't usually the ones you see coming.
The "RRIF meltdown" strategy is everywhere online right now, but the advice rarely accounts for your actual situation.
In this episode of The Free Lunch Podcast, Colin and Blair break down what a meltdown strategy actually is, when it might make sense, and why doing it just because someone told you to can quietly cost you more in tax than you ever saved. The math matters more than the marketing.
In this episode of The Free Lunch Podcast, Colin and Blair walk through a real conversation many investors are having right now: “Should we get out before it gets worse?”
The instinct is understandable. But the plan often becomes selling when markets are down, waiting, and then buying back in when things feel better.
That’s not strategy, it's emotion, and it’s one of the fastest ways to derail long-term returns.
In reality, fear shows up in every market cycle.
In this episode of The Free Lunch Podcast, Colin and Greg talk about why even seasoned investors feel unsettled during downturns, and why that doesn’t mean you should act on it.
Because volatility isn’t new. It’s expected. And the investors who succeed aren’t the ones who avoid fear, they’re the ones who don’t let it drive their decisions.
With St. Patrick’s Day behind us, it’s a good time to separate myth from reality.
In this episode of The Free Lunch Podcast, Colin and Greg explore why chasing the next big winner, timing the market, or relying on “being early” rarely works and why those ideas persist anyway.
They break down the difference between luck and skill, the cost of missing just a handful of market days, and why the real “pot of gold” is built through patience and compounding over time.
Each year, the World Happiness Report ranks nations based on factors like social support, health, freedom, trust, and economic security.
In this episode of The Free Lunch Podcast, Colin and Greg dig into the patterns behind the rankings, why Nordic countries dominate the list, where Canada and the U.S. fall, and what the research reveals about the connection between policy, prosperity, and well-being.
A thoughtful conversation about what truly drives happiness in modern societies.
In this episode of The Free Lunch Podcast, we explore how even high-earning households can feel “house poor” and why lifestyle inflation, low savings rates, and heavy debt can quietly erode financial flexibility.
In this episode of The Free Lunch Podcast, Colin and Blair walk through a case study of “Linda,” a 55-year-old investor with a $780,000 balanced portfolio.
When markets fell 18%, she panicked and sold half her equities, only to miss the 22% rebound that followed.
It’s a powerful reminder that the hardest part of investing isn’t picking the right fund. It’s sticking to the financial plan when headlines, social media, and fear tell you to do the opposite.
Markets recover but emotional decisions can be permanent.
In this episode of The Free Lunch Podcast, Colin and Blair continue their financial planning series by examining the Canadian macro environment, from housing and household debt to interest rates and inflation.
Using a real-life style case study, they explore how someone can have strong net worth on paper while still feeling monthly cash flow pressure.
It’s a reminder that financial planning isn’t just about assets. It’s about context, options, and clarity.
In this episode of The Free Lunch Podcast, Colin is joined by Blair, Director of Financial Planning at Canvas Wealth, to kick off a new series focused on the role planning plays in long-term financial success.
They explore how financial planning turns money into a life tool, replaces guesswork with clarity, and helps people navigate major life transitions with confidence, not just better returns.
A conversation about outcomes, behaviour, and building freedom over time.
From wars and sanctions to trade disruptions and surprise political events, global markets react quickly to uncertainty.
In this episode of The Free Lunch Podcast, Greg and Colin walk through decades of data on geopolitical shocks, what typically drives market drawdowns, how long recoveries tend to take, and why most sell-offs fade faster than headlines suggest.
They also explore what these events mean specifically for Canadian investors, including impacts on oil, the dollar, and global portfolios.
Every January, investment firms release their top picks and bold projections for the year ahead.
In this episode of The Free Lunch Podcast, Greg and Colin look back at the stock lists published in early 2025 and ask the question most people forget to ask: how did they actually perform?
By comparing forecasts to real-world outcomes, they unpack why confidence doesn’t equal accuracy, why benchmarks matter more than opinions, and what investors can learn from hindsight.
In this episode of The Free Lunch Podcast, Greg and Jacob reflect on how the reality of wealth advising differs from what’s taught early on.
Technical knowledge matters, but it isn’t what ultimately sets wealth advisors apart. Listening, understanding, and guiding people through uncertainty are what define the work.
Throughout the episode, they explore the lessons that only experience teaches, and what it really takes to build a career that lasts.
If there’s one lesson that kept showing up over nearly 300 episodes, it’s this:
being reasonable beats being brilliant.
In this episode of The Free Lunch Podcast, Colin reflects on five themes that have shaped the show over the years, starting with why behaviour matters more than intelligence, forecasts, or clever strategies.
It’s a reminder that long-term success rarely comes from bold moves. It comes from consistent, disciplined decisions made over time.
When markets move, our instincts kick in fast. ⏱️
In this episode, Colin and Greg share a real example of a new investor reacting to a small short-term loss, and use it to explain why checking your portfolio too often can do more harm than good.
They break down volatility, time horizons, and why investing isn’t meant to feel like watching a savings account.
We’ve become far more comfortable with debt than we used to be.
In this episode of The Free Lunch Podcast, Rob Carrick, one of Canada’s most trusted personal finance journalists and longtime columnist at The Globe and Mail joins Greg and Colin to talk about how consumer culture has reshaped our relationship with money.
They discuss frictionless spending, social media pressure, and why debt often builds quietly, without a clear moment where things go wrong.
We procrastinate on taxes for the same reason we avoid the dentist. We know it’s important, it just feels uncomfortable.
In this episode of The Free Lunch Podcast, Colin and Blair talk about tax optimization, early planning, and why contributing sooner to your TFSA or RRSP can be one of the most underrated financial habits.
It’s step four in their “12 Steps to Greatness in 2026” list, and they cover all 12 to help you start the year with clarity.
Is there really a free lunch when it comes to investing?
According to Greg and Colin, there is one: diversification.
It’s not exciting. It doesn’t make headlines. But it’s one of the few strategies that has improved outcomes while helping reduce risk over time.
In this episode, they explain why diversification works, why investors resist it, and why it matters right now.
Where would modern thinking about markets be without the people who pushed it forward?
This week on the Free Lunch Podcast, Colin and Greg reflect on the thinkers and researchers who reshaped the way we understand economic behaviour. From evidence-based approaches to frameworks that bring discipline and clarity to decision-making, the way we view the world today exists because a few pioneers were willing to challenge old assumptions.
We buy everything else on sale, but with stocks we do the opposite?
In this episode, Colin and Greg talk with Mark Eibel about the strange way human behaviour shows up around money. The market rises more than 70% of the time, yet fear in the 30% often pushes people out at exactly the wrong moment.
It is one of the few areas of life where people get more interested as prices rise and more nervous as prices fall, even though history shows that downturns are usually shorter than they feel.
Most clients don’t actually want a stock tip. They want reassurance, they want clarity.
They want to know, “will I be okay?”
This week, Colin and Greg explore the emotional side of money with financial therapist Ashley Quamme as they unpack the real drivers behind our financial behaviour.
The beliefs we inherit, the patterns we repeat, and the questions we are truly asking when we think we are asking about markets.
🎧 A powerful conversation for anyone curious about why they think, feel, and behave the way they do with money.
🏡 Have a kid who’ll buy their first home one day?
The First Home Savings Account (FHSA), part RRSP, part TFSA, all opportunity.
In this week's episode of the Free Lunch Podcast, Colin and Greg explain how the FHSA works, the benefits and the deadline you can't afford to miss.
They explain why making a small contribution before year-end could mean more room and more opportunity down the road.
In 2008, one client went all in on silver.
Convinced inflation would soar, governments would lose control, and precious metals were the only safe bet, he put everything into silver. And technically, he was right. It hit $50 an ounce… 17 years later.
On this week’s Free Lunch Podcast, Colin and Greg revisit that story to explore what it teaches about timing, behaviour, and the bigger truth: time in the market beats timing the market every time.
If the Canada Pension Plan were a mutual fund, would you still buy it? 🤔
Greg and Colin dig into the real costs behind Canada’s national pension, how it stacks up against low-fee investing, and what it teaches us about simplicity, transparency, and discipline in your own portfolio.
It sounds cheap at 0.26%, but that’s just the tip of a $7 billion iceberg once you factor in performance fees, transaction costs, and operating expenses.
What are smart investors doing right now?
According to Greg and Colin on this week of the Free Lunch Podcast they are: staying diversified, staying disciplined, and staying calm.
They unpack how to think about:
💰 Bonds & cash in your portfolio.
🏠 Mortgage renewals & rate holds.
🧾 End-of-year tax moves.
😴 Retirement “sleep-at-night” planning.
Jonathan’s style was to blend practical financial advice with human behaviour and life lessons.
This week, Colin and Greg reflect on the life and legacy of Jonathan Clements, the longtime Wall Street Journal columnist whose insights helped redefine how we think about money, happiness, and simplicity.
Jonathan’s approach really aligns with what we try to do here, cutting through the noise, finding clarity in uncertainty, and reminding people that even if the market’s at an all-time high… so is milk production. 🥛
AI was everywhere at Future Proof Festival.
From Google searches to client service, every conversation circled back to how artificial intelligence is reshaping the industry.
On this week’s episode of the Free Lunch Podcast, Colin and Greg reflect on Colin’s time at Future Proof, and why, despite AI’s power, nothing can replace human trust and behavioural coaching.
🎧 A must-listen for anyone curious about what AI means for the future of advice.
🎓💰 Sending kids off to college or university? The sticker shock is real.
Tuition, books, housing, can quickly add up to $20,000+ per year.
In this week’s episode, Colin and Greg break down the real costs of post-secondary education and explore smart ways to fund it, including:
✅ Student loans, grants & bursaries
✅ RESPs (and how to make the most of government grants)
✅ What happens if your child doesn’t go to school
✅ Why TFSAs can be a hidden funding tool
True or False:
❓ Diversification increases expected stock returns.
❓ Owning Canadian banks, pipelines, and utilities is enough diversification.
❓ Most active fund managers outperform their benchmarks over time.
If you hesitated on any of these, this week’s episode is for you. Colin and Greg break down why diversification is really about protecting against risk, how home bias trips Canadians up, and why global exposure makes all the difference.
Tariffs go up. Inflation lingers. Politics heat up.
And the cost of everyday life feels it.
On this episode of the Free Lunch Podcast, Colin and Greg explore how U.S. policy shifts ripple through interest rates, inflation, and portfolios around the world. They discuss... 🌎💼
✔️ The hidden inflation driver no one talks about.
✔️ Why Fed decisions matter beyond the U.S.
✔️ How to position portfolios when volatility returns.
🎧 A must-listen for anyone trying to make sense of today’s economic headlines.
Is one will enough if you own property in more than one province?
This week on the Free Lunch Podcast, Canvas Wealth sits down with Jonathan Ng to unpack the complexities of wills, probate, and property across provinces (and even outside of Canada).
From cabins in B.C. to bank accounts in Ontario, they explore what executors and families need to know, and when a “skeleton key” will is enough, or when a second will might save time, money, and stress.
🎧 This episode is a must-listen for anyone curious about how provincial laws can affect their legacy.
Money isn’t just math. It’s feelings.
In this episode of the Free Lunch Podcast, Greg and Colin sit down with special guest Carl Richards, author, and creator of The Behavior Gap, to talk about his new book Your Money.
They explore why financial planning is less about spreadsheets and more about meaning, values, and the conversations we have never been taught to have.
🎧 If money conversations have ever left you feeling stressed, uncertain, or even frustrated, this episode is for you.
Most people have never heard of an IPP.
But for incorporated business owners, it can be one of the most effective ways to build retirement wealth.
In this episode of the Free Lunch Podcast, Canvas Wealth welcomes Tatenda Maywoyo of GBL Inc., to explain what IPPs are, who they’re for, and why they’re a hidden gem in Canadian retirement planning.
🎧 If you’ve ever wondered whether an IPP could work for you, this episode explains it all.
If you had $1 million, what would you actually do with it?
Would you buy a house? Travel the world? Or maybe just stock up on Kraft Dinner like the Barenaked Ladies sing about?
In this episode of the Free Lunch Podcast, Canvas Wealth explores the playful lyrics of If I Had $1,000,000 alongside the deep insights from Dr. Daniel Crosby’s book The Soul of Wealth.
They unpack the four core purposes of money:
1️⃣ safety, 2️⃣ autonomy, 3️⃣ mastery, and 4️⃣ purpose.
What happens when classroom theory meets the reality of working in finance?
In this special episode, Canvas sits down with Jacob and special guest Èmile, two finance students balancing bartending, trading, and navigating their first steps into the industry.
They talk markets, mentorship, behavioural bias, bonds (yes, bonds), and the biggest surprises that come with going from spreadsheets to real people and real portfolios.
🎧 Whether you're seasoned or just starting out, this one’s a candid, energetic look at what it really means to build a career in finance.
Advisors once lived by the phone, a notepad, and a stack of prospecting lists.
Now? AI, CRM systems, and customized pools are shaping the way advice is delivered, and relationships are built.
This week, Colin continues his conversation with Greg Kraminsky in part two of their reflection on 30+ years of change in the investment world. They unpack the real evolution: not just in products and technology, but in purpose, relationships, and trust.
🎧 From regulatory shifts and tech revolutions to the human side of advice, this episode is a candid look at how far the industry has come, and where it’s heading next.
“We got to revisit what works and what doesn't work... and we came up with a solution in 2009 that we still follow today” – Greg Kraminsky
This week, Colin sits down with Greg to revisit what the world of advice looked like in the 90s and how it has evolved over the past three decades.
From the days of paper forms and product pitches to purpose-driven conversations and personalized planning, it’s a look at how far the profession and expectations have come.
Ever feel like your money decisions are on a hype cycle?
This week, Colin and Karyn share 12 steps to help cut through the noise and bring some calmness back into your financial mindset.
From tuning out market headlines to trusting your process, they explore what has helped people stay on track, and what creates distraction.
🎧If you’ve ever wondered whether “timing the market” is a real thing (spoiler: it's not), or why some approaches just feel safer, this one’s worth a listen.
What do baseball, patience, and a big annual payday have in common?
Colin and Greg break down the story of Bobby Bonilla, a retired MLB player who still collects a cheque every July 1st thanks to one clever contract that turned into decades of steady income.
They unpack why consistency and patience often outperform perfect timing, and how you can apply these lessons to your own financial plans.
In this episode, Colin and Steve sit down with longtime friend and former partner Greg Kraminsky to reflect on their transition to independence, why they made the move, how it's going, and what it’s meant for the people they work with.
They share what it’s like to step away from the familiar and what they have gained in the process.
𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗶𝘀 𝗼𝗻𝗲 𝘁𝗵𝗶𝗻𝗴. 𝗟𝗶𝘃𝗶𝗻𝗴 𝗶𝘁 𝗶𝘀 𝗮𝗻𝗼𝘁𝗵𝗲𝗿.
Colin sits down with Greg Kraminsky, longtime advisor, recent retiree, and returning voice to the podcast, to talk about the shift from planning retirement for clients… to living it himself.
From navigating long, unstructured days, to finding purpose beyond work, and to why financial peace of mind isn’t the only thing that matters, this episode is full of real talk on what retirement actually looks like.
Whether you're already retired or just thinking ahead, it’s a conversation worth listening to.
Saving for retirement doesn't come with a one-size fits all plan.
Colin and Karyn sit down with Ryan Ackers, Senior Vice President at Growth and Corporate development with GBL, to unpack the Supplemental Executive Retirement plan. What it is, how it works, and why more companies are using it to support long-term planning for key talent.
From compensation design to funding mechanics and flexibility, they explore how SERPs fit into a broader strategy for employers and executives alike.
Whether you're a business owner, executive, advisor, or just SERP curious this conversation is one to listen to.
Being a dad doesn’t come with a playbook.
Colin and Karyn get candid about what it really means to be a dad in today’s world and why mental health needs to be part of the conversation. From financial stress and parenting pressures to societal expectations and silent burnout, they unpack 10 major challenges men face, especially fathers and offer practical, compassionate tools to help lighten the load.
Whether you're a dad, love a dad, or support one, this conversation matters.
Colin and Blair are joined by special guest Marty Birky for a candid conversation about one of the toughest topics to discuss: divorce. From navigating asset division and child support to avoiding common legal missteps, Marty shares real-world insights from his experience helping families through major transitions - especially when emotions run high. Whether you're planning, separating, or simply curious, this one’s worth the listen.
Colin and Karyn dig into one of the most common fixed income questions: should you buy individual bonds or bond funds? They cover everything from yield curves and cash flow needs to diversification. Whether you are building wealth or looking for simplicity, this episode lays out the pros, cons, and misconceptions of each strategy. Tune in and enjoy the show!
Should you really “sell in May and go away”? Colin and Karyn are here to bust that old market myth—and a few others while they’re at it. From summer slumps to tariff turmoil and the real role of global markets, they separate fact from fiction so you can invest with confidence all year long. Listen and enjoy the show!
Colin and Karyn dive into the true cost of post-secondary education in Canada - from tuition and rent to blenders and parking passes. They break down RESPs, government grants, student debt, and whether a university degree or a trade offers the better return on investment.
Spoiler alert: the answer may surprise you.
It’s not just flowers or brunch. Colin and Karyn unpack what moms actually want: peace of mind, financial stability for their kids, and a future free from money stress.
From saving strategies to estate planning, this heartfelt episode explores how financial security can be the most meaningful gift of all. Listen and enjoy the show!
Colin, Karyn, and Steve break down the global tensions making headlines. From the impact of tariffs and currency swings to central bank policy and investor behaviour, this episode is your market sanity guide in a noisy world.
Tune in and enjoy the show!
In honour of World Book Day, Colin, Karyn, and Blair share their top finance and investing book recommendations - from timeless classics to modern favourites. Whether you are just getting started or deep into your financial journey, this episode is packed with page-turners that can help you build wealth, understand risk, and avoid common investing mistakes. Tune in and add some smart reads to your list!
Here are some of our favourites if you want to add to your list!
📚 Foundational Investing Books
These form the bedrock of investing knowledge.
- The Intelligent Investor by Benjamin Graham: The bible of value investing; timeless lessons on risk and discipline.
- Common Stocks and Uncommon Profits by Philip Fisher: Introduced the idea of qualitative analysis and "scuttlebutt" research.
- A Random Walk Down Wall Street by Burton Malkiel: Covers everything from index funds to behavioral finance; great for all levels.
- One Up on Wall Street by Peter Lynch: Simple strategies to find winning stocks as an everyday investor.
- The Little Book of Common Sense Investing by John C. Bogle: Bogle's no-nonsense guide to passive, low-cost index investing.
🧠 Behavioural Finance & Psychology
Understand the why behind investor decisions.
- The Psychology of Money by Morgan Housel: Short, powerful stories about how people think about wealth, greed, and happiness.
- The Behavioral Investor by Daniel Crosby: In-depth look at how psychology drives poor investment decisions.
- Misbehaving: The Making of Behavioral Economics by Richard Thaler: How economic decision-making often defies rational logic.
- Thinking, Fast and Slow by Daniel Kahneman: Explains cognitive biases that impact judgment — including in finance.
💼 Portfolio Management & Strategy
More sophisticated frameworks for wealth building.
- Unconventional Success by David Swensen: Yale's endowment manager explains why most investors should avoid active funds.
- Against the Gods: The Remarkable Story of Risk by Peter L. Bernstein: A sweeping history of how humans learned to understand and manage risk.
- The Most Important Thing by Howard Marks: Legendary investor shares key insights on risk, cycles, and second-level thinking.
- Antifragile by Nassim Nicholas Taleb: For those interested in systems that benefit from volatility and uncertainty.
🚀 Bonus: Modern & Practical
For today's fast-moving financial landscape.
- I Will Teach You To Be Rich by Ramit Sethi: Actionable personal finance for millennials and Gen Z, with a side of humor.
- The Bogleheads’ Guide to Investing by Taylor Larimore, Mel Lindauer, Michael LeBoeuf: A step-by-step, practical investing guide rooted in Bogle’s principles.
- Just Keep Buying by Nick Maggiulli: Data-driven decisions on when to spend, save, and invest.
- The Laws of Wealth by Daniel Crosby: A blend of practical investing advice and behavioral insight.
- Flash Boys by Michael Lewis: A look into high-frequency trading and how markets have evolved with technology.
- The One-Page Financial Plan by Carl Richards: Simple strategies for aligning your money with your life.
Colin and Karyn welcome back special guest Jonathan Ng for a conversation important for your loved ones. From spotting the signs of financial vulnerability to choosing a trusted contact person, they explore the key legal and emotional steps to safeguarding wealth for aging loved ones. Listen and enjoy the show!
From stock-picking stress to personalized planning, Colin and Karyn trace how financial advice has transformed over the years. They explore the shift from commissions to fees, the rise of robo-advisors, and why the human touch still matters, especially when the stakes are high. Listen and enjoy the show!
Colin, Karyn, and Monique discuss how financial stress affects our health, mindset, and decision-making.
From money worries to comparison traps, they explore ways to reframe financial anxiety and build resilience. Plus, Monique will share practical tips to take control of your financial future without losing sleep over it. Listen and enjoy!
Calgary is built on oil & gas, but does your investment portfolio reflect too much of the same? Colin and Karyn break down how home bias may affect investors in resource-heavy cities.
They also unpack zero-sum games, active vs. passive investing, and whether hedge funds live up to the hype. Listen and enjoy the show!
Colin and Blair tackle two things no one can escape—death and taxes. From TFSAs and RRSPs to joint accounts, they break down strategies to minimize estate taxes, maximize wealth transfer, and avoid costly mistakes.
This week, Colin and Karyn dive into the reality of market ups and downs—spoiler alert: volatility is unavoidable! From recent tariff-driven swings to the power of diversification, they unpack how to navigate uncertainty and stay invested for the long haul.
Colin and Karyn sit down with Dr. Meghaan Lurtz, a leading expert in financial psychology, to explore how men and women approach investing. Do women really take fewer risks? What does it all mean for long-term success? Listen to the episode to find out!
Colin sits down with Meb Faber, co-founder and Chief Investment Officer of Cambria Investment Management, to unravel the emotional rollercoaster of investing. From market euphoria to unexpected downturns, they discuss how to stay grounded and make better investment decisions.
In todays episode Colin and Karyn interview Dan Solin. Dan is a New York Times Best Selling Author who has recently published Wealthier: The Investing guide for millennials. Listen in as Dan shares his knowledge on what to teach our younger investors.
Every couple has a story. Sometimes one plays the hero, while the other plays the villain. In reality, it all comes down to perspective. In today’s episode, Colin and Karyn discuss the dynamics of couples and money, and the challenges that arise when financial views don’t align. Listen and enjoy the show!
Colin and Karyn are joined by special guest Brian Portnoy, founder of Shaping Wealth and author of The Geometry of Wealth. Together, they explore how investors can avoid repeating the same financial mistakes. Listen in to learn how to build a more intentional financial future!
In today’s episode Colin and Karyn interview Dr. Daniel Crosby, who is the Chief Behavioural Officer at Orion, a New York Times Best Selling author, and friend of the show. Listen in to find out more about Blue Monday and the 5 pillars of happiness.
In today’s episode Colin interviews Samantha Russell, Chief Evangelist with FMG Suite. What is a Chief Evangelist? Listen in to find out more and enjoy the show!
In today’s episode Colin interviews Shay Kshatriya. Shay shares his insight on the markets, economy, interest rates, inflation, and other things. Listen in to find out more and enjoy the show!
In today’s episode Colin and Karyn talk about what to expect for 2025. Another year of double digit return in equities? Or something else? Listen in to find out more and enjoy the show!
In today’s episode Colin and Karyn talk about tips for the new year. It is never to early to start planning out the year ahead. Listen in to find out more and enjoy the show!
In today’s holiday episode Colin and Blair take us through the 12 fundamental steps of investing. Linking those steps to the traditional Christmas Carol. Enjoy the show and seasons greetings to all!
In today’s episode Colin and Steve talk about proprietary products and a consumer pushback that is happening in Canada. Listen in to find out more and enjoy the show!
In today’s episode Colin and Karyn review some of the more unique indices out there. What is the significance of underwear, lipstick, and Big Mac sales? Listen in to find out more and enjoy the show!
In today’s episode, Colin and Blair dive into the evolution of Canvas Wealth, share the philosophy that drives their success, and unveil the future path with Q Wealth Partners. Listen now and enjoy the show!
In today’s episode, we are joined by Jared Rabinowitz and Stephen Gasparek from Q Wealth Partners. Listen in to find out more about our recent partnership!
In today’s episode Colin, Steve, and Karyn makes an exciting announcement. Introducing a new chapter for the CM Group. Listen in to find out more and enjoy the show!
In today’s episode Colin, Steve & Karyn talk about the role of a fiduciary. What is the difference? Is it important? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about something in the news. A Canadian bank was just fined $3 billion dollars for its part in a money laundering scheme. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about habits. How do you create them? How do you change them? Are they necessary? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about what is happening in the markets today versus pre-COVID days. Listen in to find out more and enjoy the show!
In todays episode Greg and Colin talk about a headline that is in the news. An investor is suing after creating a huge trading win, only to lose it all. What should they have done differently? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about how the stock market reacts to war and acts of war. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about how the investment management world has changed since 1996. Greg shares his story on working in this field for 28 years. Enjoy the show!
In today’s episode Greg and Colin talk money. How do you choose to spend your money? How does your risk capacity, risk tolerance and asset allocation align with your spending habits? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin lead you on a musical and market cycle journey. How are these two areas related? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss various forms of insurance and why they should be considered. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about Gold, Silver and the S&P500. Should you hold that bling in your portfolio? Listen in to find out more and enjoy the show!
Today’s episode features Colin, Blair & Karyn. What is “The Forgotten Generation?” What planning should they be doing? Listen in to find out more and enjoy the show!
In today’s episode Colin and Karyn discuss the process to become licensed as an investment advisor. Lots of training and coursework, listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about volatility. What is it? How is it measured? What does it have to do with the market(s)? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about News. What is news? What is false, fake, misleading…and what leads investment decisions? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin wrap up the mini-series on the 12 Steps to Better Investing. Focusing on Risk Capacity vs Risk Tolerance, Managing Risk, and the Invest and Rest mode. Enjoy the show!
In today’s episode Greg and Colin carry on with the 12 Steps to Investing Mini-series. Spending time today discussing the silent killers, risk and factors of return, as well as the history of market cycles. Enjoy the show!
In today’s episode Greg and Colin carry on with the 12 Steps to Investing Mini-series. Today we are looking at market timing, star fund managers, and style drift. Enjoy the show!
In today’s episode Greg and Colin start a new mini-series on the 12 steps to better investing. Starting with Active vs Passive, the science of investing, and Stock Picking. Enjoy the show!
What do golf, investments, and well-being have in common? Listen in to find out more and Greg and Colin discuss the concept of taking a mulligan. Enjoy the show!
Do you buy medical insurance before you travel? What about trip cancellation insurance? What do these have to do with playing the lottery? Listen in to find out more and enjoy the show!
In today’s episode Colin and Karyn talk about the benefits of coaching. What are the ABC’s of health and wealth? Listen in to find out more and enjoy the show!
In today’s episode we introduce Karyn Silenzi, our most recent team member to join The CM Group. Karyn has an interesting background in health and fitness along with financial planning. Listen in to find out more about how these areas are linked and enjoy the show!
In today’s episode Greg and Colin talk about what to do after high school. Confused? Have a younger family member trying to figure out life? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about fraud. What it is, how to avoid it, how to deal with it. Sharing a personal story as a public service announcement. Enjoy the show!
In today’s episode Greg and Colin discuss the upcoming changes to how capital gains are taxed in Canada. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss correlation, causation and expected return in the stock market and how it might relate to weather patterns. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin interview Shawn Leggett. Shawn is the founder of Ground Up Eco-ventures, a company focused on upcycling organic products. Listen in to find out more about Shawn’s journey and this interesting market. Enjoy the show!
In today’s episode Greg and Colin are interviewed on The Debt Free Dad Podcast. Discussing the basics of investing, how to get started, and what to avoid. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss the link between the NCAA Final Four results, Idiosyncratic Risk, Investment Returns and SMART Goals. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss Porter’s 5 forces and market leaders. How does Michael Porter’s work from the late 70’s impact the current investment landscape? Where did Groupon go? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss the intrinsic value of stocks, how SPACs work and how that relates to the recent trading of DTJ. Enjoy the show!
In today’s episode Greg and Colin celebrate their 200th episode of the Free Lunch Podcast. Looking back at the most downloaded and memorable episodes over the past four years. Enjoy the show!
In today’s episode Greg and Colin kick off a local leaders mini-series. Interviewing local entrepreneurs about their businesses and what it has taken to get to where they are today. To start this mini-series off Graham Matheos, from One For The Road Brewery, shares his story on building his business and his brand. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin dig into various fad’s that have come and gone over the years. What do diet, exercise, health and Investing fad’s have in common? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin interview Brad Nelson, founder of “Debt Free Dad.” Brad shares information on how to live a debt free life and how to improve your financial habits. Listen in to find out more about consistency, discipline and accountability. Enjoy the show!
What does service have to do with performance? Is one better than the other or do they complement each other? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin interview Paul Reisz. Paul is an Executive Vice President with PIMCO. Paul gives us some commentary on the state of the global bond markets, the economy, and what to expect in interest rate movements over the next 12-24 months. Enjoy the show!
In today’s episode Greg and Colin review the movie “Dumb Money” and talk about the complexities we are faced with in finance. Enjoy the show!
Ever wonder what makes a good leader? Why is this relevant to the investment advisory world? Listen in as Greg and Colin dissect this interesting topic. Enjoy the show!
In today’s episode Greg and Colin interview Shay Kshatriya, Director of Investment Strategies with Russell Investments. Shay talks about inflation, interest rates, the chance of a recession, and what to do about all of it. Listen in to find out more and enjoy the show!
Want to know what to do with your investment portfolio in an election year? Worried about the implications of the US election this year? If so then listen in to find out more…
In today’s episode Greg and Colin look at recency bias, current headlines, noise and the value of advice. Listen in to find out more and enjoy the show!
In today’s episode Greg leads Colin through the intricate details of genetic editing. What does this have to do with investing? Listen in to find out more!
Did you make any new year’s resolutions this year? Greg and Colin discuss National Quitter’s Day. What is it? When is it? How to avoid it? Listen in to find out more and enjoy the show.
In today’s episode Greg and Colin look back at the predictions from analysts for 2023. Did they come true? Do they have merit? Listen in to find out more and enjoy the show!
In the final episode of 2023, Greg and Colin review headlines and events over the past calendar year. Have any of these issues caused a change in how you should invest? Listen in to find out more and enjoy the show.
In today’s episode Greg and Colin look at retirement funding. What are the three pillars of retirement funding? Are annuities something to consider? Listen in to find out more and enjoy the show.
In today’s episode Blair joins Colin to discuss this gatekeeper myth. Do brokers really have access to information only available to a secret society? Listen in to find out more and enjoy the show.
In today’s episode Greg and Colin relate famous quotes from Yogi Berra to investing principles and current market events. “It’s tough to make predictions, especially about the future.” Yogi Berra. Enjoy the show!
In today’s episode, Greg and Colin answer the question about what to do during times of volatility. Are you comparing the right things to the right things? Do you know what to measure your results against? Listen in to find out more and enjoy the show!
In today’s episode, Paige and Colin interview Mike Mason. Mike is the Chief AI Officer at ThoughtWorks. Mike gives us a breakdown of what AI is and how it is being used. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss 10 things that you should ask your investment professional. If they can’t answer those questions…run! Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about the importance of brand. How to build and maintain a brand and what do with if you have experienced brand erosion. Just ask Taylor Swift, listen in to find out more, and enjoy the show!
In today’s episode Greg and Colin look back at September and discuss market results as they relate to current events. Good information on what happened in September and what to do about it. Enjoy the show!
In today’s episode Greg and Colin talk about stock picking. Is this a stock pickers market? Listen in to find out more and enjoy the show!
In today’s episode Steve and Colin interview Brian Portnoy. Brian is a founder of Shaping Wealth, an accomplished author, and just an all around good person with lots of knowledge. Brian breaks down wealth management to ask the question…am I going to be ok? Listen in to find out more and enjoy the show.
In today’s episode Greg and Colin continue their discussion around things that they have learned over the past quarter century of being investment advisors. Blue horseshoe says never skip leg day. Not sure what that means? Well then you should listen in to find our more, and enjoy the show!
In today’s episode Greg and Colin discuss things about investing that they have learned over the past quarter century. Listen in to find out more and enjoy the show!
In today’s episode, Greg and Colin look at sandwich generations. What stresses, risks, issues do you have when dealing with aging parents and raising kids at the same time. Listen in to find out more and enjoy the show!
In today’s episode Colin shares with Blair and Paige some of the findings from the Future Proof Wealth Festival this year. AI is the big theme…listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss the difference between investing in individual bonds and bond funds. Which one should you invest in? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin look at headlines, cycles, and investment decisions. What do killer bee’s have to do with investment return? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin wrap up their mini-series on Electric Vehicles. Today they look at the difference in purchasing vs leasing an Electric Vehicle. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin continue their summer time mini-series on Electric Vehicles. Today they talk about what incentive programs are available and what the true cost of ownership is. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin start a limited series looking at electric vehicles. Of course they are looking at expected return and other investment themes, but also getting a back to school basic understanding of the electric vehicle market. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin interview Mark Eibel. Mark is the Director of Client Investment Strategies at Russell Investments. He shares his macro view of the world markets and answers the question about what to do now? Listen in to find out more and enjoy the show!
In today’s episode Colin and Blair interview Chris Younger. Chris is the CEO and co-founder of Class VI Partners, a firm that specializes in personal and business planning. Chris takes us through the M&A world of today. Enjoy the show!
In today’s episode Greg and Colin tackle the dividend investment strategy. What do dividends and dairy farmers have in common? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss what is important when choosing to work with a financial professional. Is it trust? Is it alpha? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin review risk. Risk tolerance versus capacity and how it relates to fixed income and equity markets. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss Fixed Income. Questions these days are around GIC rates versus other fixed income options. Want to learn more and maybe what to do? Listen in to find out and enjoy the show.
In today’s episode Greg and Colin talk about what to do, financially, if you have lost your job. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss alternative investments. Private equity and debt, hedge funds, commodities, crypto, and more. Listen in to find out more and enjoy the show!
In today’s episode Colin and Blair dig into pension plans and registered accounts. Listen in to find our more!
In today’s episode Steve and Colin interview Brad Barrett. Brad is Managing Director of One Capital Management. This episode focuses on surfing, stock selection, and client services. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about probability and how it relates to golf and investing. Enjoy the show!
In today’s episode Greg and Colin talk about the current US Debt Ceiling discussions that are facing congress. What financial impacts does this decision have on the economy and markets? Listen in to find out more, and enjoy the show!
In today’s episode Greg and Colin touch on items to clean up in your personal finances. Listen in to find out more and enjoy the show!
In today’s episode, Greg and Colin discuss various investment “stuff.” Advancements in finance, sustainable investing, alternative currencies, biases and areas of disruption. Enjoy the show!
In today’s episode, Greg and Colin interview Tony Crescenzi, executive vice-president, market strategist and portfolio manager with PIMCO. Want to know if we are headed into a growth recession and what that is? Listen in and enjoy the show!
In today’s episode Greg and Colin review the goldilocks approach to gathering data and information. Listen in to find out more!
In today’s episode of The Free Lunch Podcast, Greg and Colin talk about bucket lists. What is on your bucket list? Listen in for some fun ideas to consider and enjoy the show!
In today’s episode Greg and Colin interview Jason Parker. Jason is the author of “Sound Retirement Planning” and “Retirement Calculator: How much money do I need to retire?” Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss current headlines and why pessimists seem to sound smarter than optimists. Is it true? Listen in to find out and enjoy the show!
In today’s episode Greg and Colin interview Shay Kshatriya, Director of Investment Strategies North America with Russell Investments. Shay shares with us his view on the stock market, inflation, interest rates and the economy as we head into the middle months of 2023. Should we be worried about a bank crisis? Listen in to find out more, and enjoy the show!
In today’s episode Greg and Colin discuss the recent collapse of Silicon Valley Bank. What is a bank run and how does a bank run work? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about the hawkish tone of the US Federal Reserve. What does that mean? What are the consequences? Listen in to find out more.
In today’s episode Greg and Colin look to answer a common question. Should you be paying down debt or investing? Listen in to find out more and enjoy the show!
In today’s Free Lunch podcast, Greg and Colin discuss the benefits of planning from an early age, specifically career planning. Listen in to find out more and enjoy the show!
In today’s Free Lunch podcast, Greg and Colin talk about over coming power struggles when it comes to your finances and relationships. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss the re-birth of the 60/40 portfolio and the impact of the bond market. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss the current market conditions before moving onto a deeper subject, medically assisted suicide. Listen in to find out more!
In today’s episode Greg and Colin interview Jamie Golombek, Managing Director Tax and Estate Planning at CIBC. Jamie talks about changes to be aware of for 2023 and beyond. Digging into the benefits of an FHSA account…you will want to know this. Enjoy the show!
In today’s episode Greg and Colin interview Howard Atkinson about the changing landscape of the wealth management industry. Howard is CEO and President of Pascal WealthTech. Previously Howard has held senior positions at various wealth management product manufacturers as well as advisory services. Enjoy the show!
In today’s episode, Steve Molina interviews Greg Nott. Greg, Chief Investment Officer at Russell Investments, gives us his outlook for the fixed-income markets. Answering common questions from investors these days that relate to fixed income and if they should still be buying bonds. Enjoy the show!
In today’s episode Greg and Colin talk about headlines. Some of those headlines could be on things like dividend paying stocks. Are these important? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about the silent killers in investment performance. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss factors of return. How do factors of return increase expected rates of return? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about stock picking. Should you be focusing your efforts elsewhere? Listen in to find out and enjoy the show!
In today’s episode, Greg and Colin talk about the importance of your only free lunch… Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin discuss how a mutual fund is constructed. What are the different classes of mutual funds, expenses, expense ratios, and liquidity factors? Listen in and enjoy the show!
In today’s episode, Greg and Colin discuss different market cycles. Where do the terms bull and bear markets come from? Enjoy the show!
In today’s episode Greg and Colin interview Samantha Postman. Samantha is founder and CEO of SmartArrow, specializing in business and wellness advisory, ideation and strategy, innovation, and community development. Enjoy the show!
In today’s episode Greg and Colin discuss the most recent US midterm elections. What do these elections have to do with expected return in portfolios? Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin interview Stacy Francis. Stacy is an expert who deals with divorcing, divorced and widowed clients. Stacy has been featured on Forbes, CNBC, Psychology Today and The Wall Street Journal. Stacy discusses where to start if you find yourself in this situation. Enjoy the show!
In today’s episode Paige and Colin interview Dan Solin. Dan is a New York Times bestselling author who focuses on effective evidence based communication style. Listen in to learn more and enjoy the show!
In today’s episode Greg takes Colin and the audience on a journey through the land of options. Discussing puts, calls, spreads, straddles, collars and more. Listen in to find out more!
In today’s episode Greg and Colin talk about monetary policy. Why all the interest rate hikes over this past year? What is the desired outcome? What other levers do the central banks have to fight inflation? Listen in and enjoy the show.
In today’s episode Greg and Colin interview Dr. Joel Simmons. Joel is a trained radiation oncologist who has become a subject matter expert in medicinal cannabis use. Enjoy the show!
In today’s episode Greg and Colin talk about hindsight bias. One of our favourite biases, also one that is used a lot when we look at todays markets. It takes courage to stay invested when you are surrounded by noise. Enjoy the show!
In today’s episode Greg and Colin discuss opinions, predictions and forecasts. Looking back at some of these made over the past few years and comparing to the actual results. Listen in to get the answers!
In today’s episode Colin is joined by Blair Howell and Paige Hilton. Paige goes through a breakdown of the Future Proof Wealth Festival that Colin and Blair recently attended. Discussing direct indexing, yield farming, fee compression, global macro-trends, and others. Enjoy the show!
In today’s episode Greg and Colin interview Spencer Hilligoss. Spencer is the CEO of Madison Investing, a real estate investment firm that specialize in real estate syndication. Spencer shares his views on creating passive income through real estate syndication. Enjoy the show!
In today’s episode Greg and Colin interview Daniel Matalon. Daniel, an expert in survival economics and social justice, attempts to answer the question “Is there enough?” Listen in to find out more…
In today’s episode Greg and Colin continue their discussion on the value of research. Doing a case study on Dimensional Fund Advisors and their use of factors of return in portfolio construction. Listen in and enjoy the show!
In today’s episode Greg and Colin talk about some areas focused around research. Discussing the issues of sample size, focus groups and biases and ultimately the wisdom of crowds. Enjoy the show!
In today’s episode Greg and Colin talk about the power of compounding and how it relates to Bobby Bonilla Day. To learn more about the magic of compounding listen to the show!
In today’s episode Greg and Colin interview Jason Jogia from Avenue Living Asset Management. Jason is the CEO and CIO of Avenue Living, a company that invests in multi-family residential, farmland and self-storage facilities. Listen in to learn about the importance of cash flow in an investment vehicle. Enjoy the show!
In today’s episode Greg and Colin talk about stock picking. Given where markets have been trading we keep hearing about how you need to be a stock picker and be nimble in volatile markets. Listen in to find out if that is true.
In today’s episode Greg and Colin interview Penny Phillips. Penny is a repeat guest to the show and is the founder of Journey Strategic Wealth. Penny shares with us her insight on how people should work with their financial professional in todays day and age. Listen in to find out more.
In today’s episode Greg and Colin discuss how stock markets have had their worst start to a calendar year in over 50 years. Those are facts, but what do you do about it as an investor? Listen in to find out.
In today’s episode Greg and Colin interview Katherine Ratcliffe. Kat is a partner and lawyer with Lindsey MacCarthy LLP, who specializes in will and estate planning. Kat talks about the pro’s and con’s of estate planning. Enjoy the show!
In today’s episode Greg and Colin answer the question about what to do now, during a bear market. Keep it simple! Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin interview Judd Blitt from Lindsey MacCarthy LLP. Judd is a lawyer who specializes in estate litigation, he shares with us some pitfalls of estate planning and how to avoid them. Enjoy the show!
In today’s episode Greg and Colin interview Rafi Tahmazian. Rafi, a senior portfolio manager and Director with Canoe Financial, is a fund manager and well recognized expert in energy investing. Rafi gives us his outlook on where energy pricing is today and where it could be in the future. Enjoy the show!
In today’s episode, Greg and Colin talk about headline stress disorder. What is it? What to do about it? Strategies to help you avoid being overwhelmed by the news, how to cope when all the negative news is triggering you. Enjoy the show!
In today’s episode, Colin shares some advice on cleaning up some of the nagging financial issues that you might have. Discussing budgeting, financial planning, estate planning and ultimately ending with a top 10 list of things to do in regards to how to invest. Enjoy the show!
In today’s episode Greg and Colin talk about the fate of the 60/40 portfolio. Lately there has been a lot of financial commentary on how this strategy may not be as effective as it has been in the past. Listen in to find out more and enjoy the show!
In today’s episode Greg and Colin talk about the fear of a down market and the cost of recovery. Some say it is a stock pickers market, but how can it be a stock pickers market when the market is going down? Why is it not a stock pickers market when the market is going up? Enjoy the show!
In today’s episode Greg and Colin talk about habits and habit forming. Doing a short book review of Atomic Habits by James Clear. Your outcomes are a lagging measure of your habits, be it physical, financial or other. Enjoy the show!
In today’s episode Greg and Colin review volatility. There certainly is a lot of it in the markets right now, but is it normal? Listen in for tips on what to do during times like this. Enjoy the show!
In today’s episode Greg and Colin discuss questions that they are getting from investors. With a tough start to the stock market and the bond market at the same time investors are looking for answers on what to do about it. Enjoy the show!
In today’s episode Colin interviews Shay Kshatriya. Shay is Director of Investment Strategies for North America at Russell Investments. Colin and Shay talk about the rise in interest rates, inflation, where the bond market is, the stock market, and ultimately what to do about it. Enjoy the show!
In today’s episode Greg and Colin talk about Mean Reversion, bonds and Cathie Wood. How mean reversion applies to the current bond market and also looking at performance calculations. Discussing the difference between arithmetic and geometric return, one can be deceiving... Enjoy the show!
In today’s episode Greg and Colin look at the current bond market. The start of this calendar year has many investors asking questions about bonds, why do we own them, why are they down..etc. An interesting discussion, enjoy the show!
In today’s episode Greg and Colin talk about what a boom bust economic cycle is. Looking at the expansion through to the trough of each market and economic cycle and how that relates to the current price of oil. Enjoy the show!
In today’s episode Colin and Paige continue the franchise discussion with Sam Khajeei. Sam is a partner with Lindsey McCarthy LLP, specializing in franchise law. Sam talks at length about the differences between the franchise structures. Enjoy the show!
In today’s episode Steve Molina and Colin Andrews interview Sam Khajeei about becoming a franchise owner. Sam is a partner with Lindsey MacCarthy LLP and specializes in helping people buy and sell franchises. Enjoy the show!
Today’s episode focuses on the Fama/ French Factor Model(s). Greg and Colin talk about what the factors of return are and what return premiums have been generated by each of those factors over time. Enjoy the show!
In today’s episode Greg and Colin look at factors of return. Discussing the evolution from the Capital Asset Pricing Model (CAPM) to the Arbitrage Pricing Theory (APT) and ultimately the Fama/ French Factor Model. A technical discussion but also one worth having. Enjoy the show!
In today’s episode Greg and Colin talk about some fundamentals of Modern Portfolio Theory. Digging into the Capital Asset Pricing Model (CAPM) and Expected Return. Enjoy the show!
In todays episode Greg and Colin discuss volatility. How important is it, why is there so much volatility in the stock markets lately, how is it measured, and what can you do about it? Enjoy the show!
In today’s episode Greg and Colin talk about Groundhog Day and link it back to investment returns and probability. Has every day felt a little bit like every other day for the past two years? Well, lets look at a distribution curve and talk through that. Enjoy the show!
In todays episode Greg and Colin interview Allison Schrager and discuss risk. Allison is an economist and senior fellow of the Manhattan Institute who authored a book called “An Economist Walks into a Brothel’. Her focus is on understanding how risk is all around us, even in places we don’t think about. Enjoy the show!
In today’s episode Greg and Colin start the discussion on choosing the right professional to work with. The investment community and financial planning community is vast and oftentimes misunderstood. As such there are some things to consider when looking for professional help. Enjoy the show!
In today’s episode Greg and Colin interview Jay Schmidt. Jay is a partner at JMH&Co, and is a cross border tax specialist. We discuss various income tax rates, capital gains inclusion rates, RRSP and RRIF strategies, and other tax items. Enjoy the show!
In today’s episode Greg and Colin look at the forecasts for the stock market that have recently been published for 2022. Some of the largest money managers in the world have very different views on the direction of the stock market. Is forecasting futile or not? Is it easier to flip a coin? Enjoy the show.
In today’s episode Greg and Colin look back at 2021. Reviewing some of the forecasts and top picks that were published going into 2021. Discussing what happened and setting the stage for the new round of forecasts for 2022. Enjoy the show!
In today’s episode Greg and Colin talk about the credit market. Looking back at what led up to the Global Financial Crisis/ Global Credit Crisis of 2008 and are we headed back there? Are there red flags around housing markets and available credit that we should be looking at? Enjoy the show!
In today’s episode Greg and Colin talk about investment risk. What is the difference between perceived risk and real risk? How is risk priced in to an investment portfolio? What can you do to make sure that you aren’t taking more risk than is required? Listen and enjoy!
In todays episode Greg and Colin interview Melissa Houston. Melissa is a Chartered Public Accountant who has successfully bridged the gap between money and emotions. Enjoy the show!
In today’s episode Greg and Colin continue their estate planning discussion with Wills and Estates Lawyer Jonathan Ng. Discussing the significant issues around executor duties, probate, and all things related to your estate. Enjoy the show!
In today’s episode Greg and Colin interview Jonathan Ng about will and estate planning. Jonathan is a Wills & Estate lawyer at Underwood Gilholme in Calgary, Alberta. The discussion focuses on the importance of having a proper estate plan and how to get started. Enjoy the show!
In today’s episode Greg and Colin talk with Dr Warren Hatch, CEO of Good Judgement Inc. Dr Hatch discusses superforecasting, what it is and how it is applied in today’s world of investing. Enjoy the show!
In today’s episode Greg and Colin interview David Rosell. David is an avid adventurer, financial author, speaker, and wealth advisor. David talks about the lessons he has learned climbing some of the highest peaks in the world. “The real danger is on the way down”, similar to retirement planning and retirement transition. Enjoy the show!
In today’s episode Greg and Colin talk about scary things that have occurred during the month of October in markets. Discussing the October Effect and potential “Black Swan” events. Enjoy the show!
In today’s episode Colin Andrews interviews Erik Ristuben to discuss the landscape going in to 2022. Erik is the Chief Investment Strategist at Russell Investments. He discusses the outlook for interest rates, inflation, supply chains, and much much more. Enjoy the show!
In todays episode Greg and Colin review the biggest headlines investors are faced with currently. What is the importance of Evergrande not being able to make their bond coupon payment? Where is inflation headed, what about interest rates? What is going on in the US with the debt ceiling? How is the Canadian dollar linked to the price of oil? And lastly…what is the deal with supply chains in the world economy? Enjoy the show!
In today’s episode Greg and Colin discuss the importance of organizing your estate, while you can! It is time to get organized, prepared for a what if moment…Enjoy the show!
In todays episode Greg and Colin interview the Director of Behavioural Science at Morningstar, Sarah Newcomb. We discuss such topics as hostile envy, overcoming struggle, and what it is like to be an arm char researcher. A great discussion about behavioural biases and how you can get ahead without leaving your values behind. Enjoy the show!
In today’s episode Greg and Colin talk will and estate planning. What is the importance in having a will? What are the three documents of basic estate planning? Well I guess if you don’t know that then you better listen to the episode. Enjoy the show!
In today’s episode Greg and Colin discuss different account types. Explaining the difference between traditional transactional accounts, fee based accounts, and discretionary accounts. There are differences and you need to understand what they are. Enjoy the show!
In today’s episode Greg and Colin discuss the potential impact on stock markets from elections. With only a few days until the Canadian election it seems like a good time to see if there is any correlation or causation on market returns from election results. Enjoy the show!
In today’s episode Greg and Colin discuss Inflation. This is something that has been coming up a lot these days as we are dealing with transitory inflation from the global economic lock down. But what is it? Why is it important? Enjoy the show.
In today’s episode Steve Molina and Colin Andrews look at what it is to become an expert. Where does this idea of being an expert come from and how can you set yourself up to be one. Hint…it takes a lot of hours…enjoy the show!
In todays episode Steve Molina and Colin Andrews interview Paul Eitelman. Paul is Director, Global Investment Strategy with Russell Investments. Paul shares with us his views on transitory inflation, interest rates, and current market conditions. This is a must listen to episode, enjoy the show!
In today’s episode Greg and Colin wrap up the Back to Basics Mini-Series. Today they discuss topical items like current headlines, should you invest in dividend stocks, and how to deal with market cycles. Enjoy the show!
In today’s episode Greg and Colin carry on the Back to Basics Mini-Series and discuss the costs involved in investing. Looking at what fees are charged, expenses incurred, and taxes to be paid. It is important to understand what your fees are, after all, the less you pay the more you keep. Enjoy the show!
In the third episode of the Back to Basics mini-series, Greg and Colin discuss factors of return. This is such an important topic, you can reduce your risk level but still have higher expected returns if you have the right factors in your portfolio and are properly diversified. Enjoy the show!
In today’s episode Greg and Colin continue on their back-to-basics mini-series. Discussing the futility of stock picking and market timing, focus your efforts elsewhere! Enjoy the show.
In today’s episode Greg and Colin launch a mini-series focused on back to basics for investing. This episode talks about the importance of Asset Allocation and Diversification. These are things you just need to get right. Enjoy the show!
In today’s episode Greg and Colin discuss how a mutual fund is constructed. The different classes of mutual funds, expenses, expense ratios, and liquidity factors. Also addressing the pros & cons of investing in this type of security. Enjoy the show!
In today’s episode Greg and Colin interview a former NFL and CFL player turned fitness guru about getting healthy! Pat Woodcock joins us today to discuss misunderstandings in getting healthy and fit. Identifying the link between nutrition, exercise, mental health & wealth. Enjoy the show!
In today’s episode Greg and Colin discuss the safety measures in place in regard to investment accounts. Reviewing the Canadian Investor Protection Fund (CIPF), Canadian Deposit Insurance Corporation (CDIC), and also discuss the difference between a fiduciary and a sales person. Enjoy the show!
In today’s episode Greg and Colin conclude the health and wealth mini-series by interviewing a recovering perfectionist! Jen Anderson joins the show to discuss what a perfectionist is and how to behave more as an accomplist instead! Enjoy the show.
In https://app.bloo.io/company/the-podcast-consultant/projects/client-workflow/todo/2021-06-09%2012:00:00%20EDT (today)’s episode Greg and Colin interview Charlene Valentine, a holistic mind coach. Charlene talks about the impact of low self esteem and results. Focusing on creating routine, tiny habits, and tracking your progress to a goal. This is the second of three episodes in our health and wealth mini-series. Enjoy the show!
In https://app.bloo.io/company/the-podcast-consultant/projects/client-workflow/todo/2021-06-03%2012:00:00%20EDT (today)’s episode Blair Howell and Colin Andrews interview Christine Dixon, an Osteopath at Prairie Therapy. We discuss the links between stress and your body and what you can do about it. Markets can be stressful enough, but if you are not getting enough sleep…a recipe for disaster! Enjoy the show.
In today's episode Greg and Colin look at bubbles. Discussing the most famous stock market and asset bubbles that have occurred over history. Discussing what to do when you are in one..or do you only know that it was a bubble after the fact? Enjoy the show!
In todays episode Greg and Colin discuss the (DIY) "do it yourself” mentality, and how it relates to investing. Looking at what are the motivations for people doing things outside of their area of expertise. Discussing the lock smith paradox and weeding a garden as they relate to investing. Enjoy the show!
In https://app.bloo.io/company/the-podcast-consultant/projects/client-workflow/todo/2021-05-12%2012:00:00%20EDT (today)’s episode Greg and Colin interview Ryan Ackers from GBL. Ryan shares his knowledge of Individual Pension Plans and Retirement Compensation Arrangements, something he refers to a super charged RRSP. Listen in to hear the strategies that business owners and professional corporation owners can take advantage of. Enjoy the show!
In today’s episode Greg and Colin look back at the past 50 episodes from the last year. Reviewing topics covered and guest speakers who helped cover them. Hard to believe it has already been one year, enjoy the show!
In today’s episode, Greg and Colin discuss the effects of probability on portfolio returns. Looking at probability theory and distribution and how they relate to playing roulette or investing in markets. Enjoy the show!
In today’s episode Greg and Colin interview Daniel Crosby. Daniel is a PhD Psychologist, a noted behavioural finance expert, and a New York Times best-selling author. During the episode we discuss why we make the decisions we make by understanding our biases and what we can do to avoid making bad ones (as much as possible). Enjoy the show!
In today’s episode Greg and Colin wrap up their retirement mini-series. The focus of the discussion for this episode is how to invest during your retirement years. You can’t start at the product though, you must understand which balance is “just right” for you and your goals. Enjoy the show!
In today’s episode Blair Howell and Colin Andrews carry on with the retirement mini-series, discussing various ways to fund retirement. Digging into the importance of layers of income in funding your retirement to live the life that you want to live. Enjoy the show!
In today’s episode Greg and Colin continue their miniseries on Retirement Planning. Discussing how retirement is a transition to your second life, not a destination. So, what is your retirement vision? What things do you plan on doing during your back 9 on the 18 holes of life? Enjoy the show!
In today’s episode, Greg and Colin start a mini-series focused on lifestyle and retirement planning. In this first episode of the mini-series, they talk about three main items. The first is 6 reasons, or things, to ask yourself prior to making a decision about retirement. Secondly, they discuss the results of a recent survey about what people would do with an extra million dollars. Lastly, they finish the episode discussing a shortlist of 5 things that people in palliative care have identified as things that they regret. Enjoy the show!
In today’s episode Greg and Colin interview Kris Putnam-Walkerly. Kris is a subject matter expert in philanthropy and philanthropic planning and giving strategies. Kris has been featured in the Wall Street Journal, The Washington Post, Forbes, Variety, and now on the Free Lunch Podcast! Enjoy the show.
In today’s episode Steve and Colin interview Alex Heron, an Executive Vice-President of National Sales at Pimco. Alex shares with us his thoughts on the bond market, inflation, and interest rates. We also discuss Warren Buffett’s most recent annual letter to investors and his call of caution as it comes to fixed-income investing. Enjoy the show!
In today's episode, Greg and Colin talk about market timing and the struggle. “The” investment question investors are asking now is if this is a good time to invest in stocks, bonds, bitcoin, real estate, etc. The investment question is actually a reframing of market timing. The struggle to time markets, any markets, is one of the most difficult things to do. Enjoy the show!
In today’s episode Greg and Colin interview Tara McCool. Tara runs a leadership consulting business focused on delivering compassion and empathy from senior leadership. Tara has a diverse background starting at Good Morning America, MTV, Global Television, transitioning to work in Human Resources and ultimately now as a leadership coach. Enjoy the show!
In today’s episode of the Free Lunch, Greg and Colin look again at index investing. Discussing what index investing is, how it works, and what are the major indices in global stock markets. Enjoy the show!
In today’s episode Greg and Colin discuss the hysteria that erupts at times around certain stocks or themes. Looking back at story’s of past issues that where problematic in investing in specific companies or themes with good stories. Fear is transitory and greed is part of the human soul...Enjoy the show!
In today’s episode Greg and Colin interview Erik Ristuben, Global Chief Investment Strategist at Russell Investments. Erik joins us from the land of Seahawks, Pearl Jam, the birthplace of Jimi Hendrix and Starbucks. Discussing where global stock markets are now and what the indicators are telling us for the future, everything from planning, asset allocation and diversification to Game Stop. Enjoy the show!
In today’s episode Greg and Colin interview Marc Goldfried. Marc is the Chief Investment Officer and Head of Fixed Income at Canoe Financial. Marc gets technical on the fixed income market, what it is, how it trades, pitfalls of excessive risk in fixed income holdings, and what to do. Enjoy the show!
In today’s episode Blair Howell joins Colin as a subject matter expert on financial planning. Blair discusses with Colin the differences between RRSP accounts and TFSA accounts. Digging into tax benefits, survivorship benefits, and basically a little bit of everything related to this discussion. Enjoy the show!
In today’s episode Greg and Colin talk about teaching an old dog new tricks. Digging into the importance of having an investment philosophy and sticking to it. Your philosophy is as important as your financial plan, both need to be adhered to if you wish to have a positive outcome. Enjoy the show!
In today’s episode Greg and Colin discuss the one word that best characterizes the events of 2020. Reviewing what happened in the past year, what we learned from it, where we are at now and how we are using those learnings going into the new year and new decade. Enjoy the show!
In today’s episode Greg and Colin revisit past stock picks from lists of industry professionals. Discussing the merits of predictions versus the reality of outcomes. There is a distinct difference between models and reality...This is our last episode of 2020 and we cannot wait to have that year behind us, we all got “2020’d". Enjoy the show!
In today’s episode Greg and Colin interview Penny Phillips. Penny is the founder of Thrivos Consulting, a practice management firm based in New York City that spends its time working with advisors in Canada and the USA. Penny digs into the evolution of advice, what investors should look for when deciding on a wealth manager, and the importance of trust. So put on a Bunnyhug, grab a pop and some KD and enjoy the show!
In today’s episode Greg and Colin talk about what to do now! Discussing the impact of market downturns on income requirements, avoiding torpedo stocks, and focusing on the long term goal. Usain Bolt would crush us both in a 100m race but Greg will catch him at the 1 mile marker! Enjoy the show.
In today’s episode Greg and Colin discuss all things related to that four letter word, “Risk". The different forms of risk, the difference between risk appetite, risk tolerance, and risk capacity. Why do people go with their gut on or follow their “Spidey Sense” when it comes to making investment decisions? There is a reason…enjoy the show!
In today’s episode Greg and Colin revisit the Value factor of investing. Value has been out of favour for awhile and there have even been articles written about the death of value. So…is value dead? Listen in and find out, enjoy the show!
In today’s episode Greg and Colin interview Don Rodgers. Don recently retired from the Alberta Securities Commission where he worked in enforcement. Don shares tips about how to spot an investment fraud, what to watch for, what to do if it happens to you, and where to turn to for help. You will want to listen to this one. Enjoy the show!
In today’s episode Greg and Colin revisit market timing. Recent events around potential vaccines, the outcome of the recent US election and other headlines have investors looking for market timing ideas. SPOILER ALERT: Time in the market has the potential for better long term returns then timing the market. Enjoy the show!
In today’s episode Greg and Colin talk about the 60/40 portfolio. That being a balanced portfolio holding bonds and stocks, the history of this and the debate on whether this strategy is dead based on current interest rates and yields. Discussing this strategy in terms of how it compares to the construction of The Death Star and what a Death Star Portfolio is. 'Do or do not, there is no try’ Yoda. Enjoy the show!
In today’s episode Greg and Colin interview Ben Carlson. Ben is the co-host of the Animal Spirits podcast, an accomplished author in finance, and is the Director of Institutional Finance at Ritholtz Wealth Management. In the episode we talk about the US election and what to do about it when it comes to your portfolio and why the heck guns are allowed at US voting stations. Enjoy the show!
In todays episode Greg and Colin dig into ESG (Environmental, Social and Governance) investing. What is ESG, the history of ESG, and what strategies are effective when using ESG to build portfolios. Looking at the differences between ESG and SRI (Socially Responsible Investing). Enjoy the show!
In today’s episode Greg and Colin interview Carl Richards. Carl is best known for his “Sketch Guy” weekly column in the New York Times. Carl is known for making complicated things simple to follow through easy paper napkin sketches. Carl authored 'The Behavior Gap,' ’The One-Page Financial Plan,’ and ‘How I Invest My Money.’ A subject matter expert in financial planning and investing, Carl joins us from London to discuss the evolution in the investment world and his work in creating 'The Society of Advice.’
In today’s episode Colin and Blair interview Jamie Golombek, Managing Director of Tax and Estate Planning for CIBC. Jamie is most often found on BNN, The National Post, CTV, and now with The CM Group on “Free Lunch.” In this episode Jamie shares some insight on financial planning, tax reduction strategies, the pros and cons of setting up trusts, and so much more. Enjoy the show!
In today’s episode Greg and Colin look at and discuss common phrases used in investing and finance. Digging into which phrases are meaningless, which ones are hazardous, and which phrases are wise. Enjoy the show!
In today’s episode Greg and Colin discuss Robo advisors and FinTech in the investment management world. Looking at the advancements in AI (artificial intelligence) and discussing the pro’s and con’s of using this service for your investment management. Enjoy the show!
In today’s episode Greg and Colin look at four major headlines circulating in the media. Discussing how potential stress and anxiety from these headlines may lure investors to make decisions that may not be in their best interest. Revisiting behavioural biases and also discussing what to do about it. Focusing on the important items identified in previous episodes. Enjoy the show!
In today’s episode Greg and Colin look at behavioural biases and how they shape our decision making. Discussing the work of Amos Tversky, Daniel Kahneman, and Richard Thaler. Helping listeners understand things like hind sight bias, how it always looks so obvious after the fact. Enjoy the show!
In today’s episode Greg and Colin look at the impact of presidential campaigns, historical returns based on if a Republican or Democrat was in office, and discuss other variables and events that impact stock market returns. All in an attempt to answer the question on whether or not it is different this time and what to do about it. Enjoy the show!
In todays episode Blair Howell joins Colin Andrews to discuss the benefits of financial planning. Blair is a Certified Financial Planner (CFP) on The CM Group who will be exploring the different pitfalls of planning and the opportunities that planning provides. Following an actionable plan is much different than completing a financial plan and not looking at it again…Enjoy the show!
In today's episode Colin and Steve revisit the basic principles of asset allocation, diversification, and market timing. Looking at the difference of having good coaching and a good plan to avoid both the fear of missing out and the fear of being in. Enjoy the show!
Investing for dividends is a common strategy by many investors. But have you ever wondered why? What is the difference between investing in a company that pays a dividend versus one that doesn’t? How are dividends like calcium in a well balanced portfolio or diet? Well listen in and enjoy the show!
Where do the terms Bull and Bear Markets come from? Well, listen here and find out the historical relevance of those terms. Today we dig into what is a “Bull” market and what is a “Bear” market. Looking at the historical data of each of these parts of the market cycle and how they are linked to the economic cycle. Even Dr Johnny Fever gets a call out in todays episode. Enjoy the show!
Steve Molina joins Colin today to discuss entertainment advice. Discussing the difference between news, fake news, false news and how media headlines drive the decision making process of investors. Imagine if the next headline read “everything is pretty good right now”. How would that differ from “markets are crashing!”
Tim Noonan joins us today as our first guest speaker. Tim is the former Managing Director of Strategic Business Initiatives with Russell Investments. Tim is also an accomplished author, his book titled ’Someday Rich: Planning for Sustainable Tomorrows Today” is a must read for future retirees. Join us for a discussion with Tim on the evolution of advice in the investment channel. Discussing the importance of a trusted relationship and compassion and empathy during these volatile times. Enjoy the show!
There are various forms of fixed income, or bonds, and not all of them are the same. Today’s episode looks at what some of those forms are and asks the question about why own fixed income at all? Exploring market cycles and expected return from bonds. Enjoy the show!
In todays episode we look at the history and effectiveness of market timing in portfolio management. Looking at results of being out of the market during key times, measuring expert returns, and the impact of style drift. Enjoy the show!
In todays episode we explore the various factors of return present in equity and fixed income markets. Digging into the relationship between higher expected rates of return and academic work on various dimensions, or factors of return. Enjoy the show!
This weeks episode focuses on the differences in active and passive investing. Exploring changes over the past few decades that has resulted in the introduction of index funds. How do index funds fit into the argument of active versus passive? Enjoy the show.
The question is are you a gambler focused on speculation, or are you an investor harnessing the power of the market? In this episode we dig into the question of speculation and link it back to the Efficient Market Hypothesis. Enjoy the show!
The investment industry has gone through an evolution when it comes to security selection and investment advice. Today we talk about the pre-modern, modern, and post-modern era’s for investment management and how it pertains to investment selection. We hope that you enjoy the show!
In this weeks episode we explore the history and evolution of stock picking. Discussing the zero sum game of trading stocks, having a winner for every loser and a loser for every winner. If you stumble can you ever catch up? Listen in on how to diversify a portfolio with stock selection, diversification and asset allocation. Enjoy the show!
To diversify or not to diversify that is the question…today we explore what diversification is in investing. Discussing the different ways of diversifying your investment portfolio. Diversification works in many asset classes to smooth out volatility, allowing your portfolio to focus on the systematic risk of simply being invested.
Asset allocation has been called the most important decision an investor can make when it comes to expected return. Today’s podcast discusses the historical background of asset allocation and identifies the various forms of asset allocation strategies. We liken asset allocation to a recipe for baking a cake, you need all the right ingredients in the right amounts to have the right outcome that is linked to your goals.
The CM Group is a wealth management group that has been working with investors since 1985. In the last, almost four decades, there has been tremendous change to the investment industry as well as to the structure and services of The CM Group. Historically being sought after by investors to broker stock and bond transactions and now so much more. We refer to this as the evolution of investing and wealth management. A movement from knuckle dragging stock picking to a more refined experience of goals-based planning. Our podcast is termed “free lunch” as there are only a few things that investors can do for free. The economist Milton Friedman referred to free lunch as opportunity cost, as such the only things that we consider to be free lunch are asset allocation and diversification. During our podcasts we will bring educational content on investing, savings strategies, financial planning, and more. The content will be delivered by the partners of The CM Group as well as with special guest hosts. The hope is to deliver relevant content about all things market related, planning related, as well as topical items of interest and even the odd wacky topic. The content is serious yet we hope to have some fun along the way. The value we bring to our listeners is our vast knowledge and experience in dealing with uncertainty. Markets are uncertain, this is a challenge for investors. Investors are always trying to create certainty out of what is perpetually uncertain. We will address this area by sticking to fundamentals that mirror our mission statement. Our mission is to help clients achieve their vision through a deep understanding of what is important to them that requires planning, money & time.