Bullshift The Podcast: Recent Episodes
bullshiftthepodcast
Bullshift, the podcast is a weekly exploration of how the financial services industry shifts peoples’ attention to make them more bullish. It involves a risk most people won’t recognize because being optimistic is usually a good thing. We all have biases – and being biased means you’re taking on unique risks that are not always recognized or acknowledged. It’s a perverse problem – how, exactly, does one address biases that are not even recognized? If we can’t (or won’t) acknowledge our own blind spots, how will we ever hope to overcome them? The most unexpected challenge may come from having a sunny outlook. Optimism Bias can be dangerous because consistently expecting things to work out can often lead to being less careful than one ought to be. Plenty of people think there are significant risks in the stock (and bond… and real estate) market these days, but many choose to actively look the other way – as if the risks will simply go away if we don’t acknowledge them.
Are you tired of feeling like you’re in the dark when it comes to making smarter investment choices?If you're frustrated with the confusing world of Wall Street or feel like traditional investment advice just doesn’t cut it, this episode is for you. We’re diving into the world of artificial intelligence with George Kailas, CEO of Prospero.ai, to reveal how AI can empower retail investors like you to make informed and strategic financial decisions previously accessible only to industry insiders.In this episode, you will:1) Discover how AI democratizes access to high-level investment strategies, enabling you to compete with big investors.2) Learn how to navigate market trends, including the impact of social media and investor psychology on stock prices.3) Gain practical advice on using AI-driven tools to maximize your investments and avoid common retail investor pitfalls.Tune in now to learn how AI can help you take control of your wealth and start making smarter investment decisions today!
Are you looking to make the most of your investments while keeping your tax bill as low as possible?Many investors are unaware of tax-saving opportunities and often miss out on valuable deductions.In this episode, we explore how strategies like investing in flow-through shares and limited partnerships can offer significant tax relief, even if you're not an accredited investor, so you can make better, more informed wealth decisions as the year wraps up.In this episode, you’ll gain insights on:1) How flow-through shares can help reduce your tax liabilities.2) Key differences between accredited and non-accredited investment options.3) Strategic tax planning tips to maximize your financial growth by year-end.Listen now to discover strategies that can transform your tax planning and optimize your wealth for the year ahead!
Are flow-through shares the smart investment choice that could be saving you thousands on taxes each year?For investors focused on lowering tax burdens while exploring charitable giving options, flow-through shares present a unique opportunity. This episode of Make Better Wealth Decisions dives into how flow-through shares work, why they offer advantages for tax savings, and how to assess if they’re right for your investment strategy.In this episode, you'll gain insights into:1) How flow-through shares work and why they offer substantial tax advantages for both individuals and corporations.2) Key differences between purchasing flow-through shares via limited partnerships and private placements.3) Strategies to incorporate flow-through shares for charitable giving, maximizing tax benefits while giving back.Don't miss this opportunity to learn expert tips on reducing your tax bill and enhancing your wealth strategy—tune in to this episode now!
Are outdated financial strategies and advisor biases holding you back from reaching your wealth potential?Many investors today face the challenge of navigating a financial industry that still promotes high-cost, actively managed funds over more effective, evidence-based investment strategies. In this episode, we dive into how you can avoid these pitfalls and make smarter, tax-efficient investment choices that build true wealth.In this episode, you will:1) Gain insights into how advisor biases and hidden fees could be impacting your financial success and what you can do about it.2) Discover why passive investing often outperforms active management and how it can maximize your wealth.3) Learn how to leverage advancements in FinTech and new industry practices to elevate your investment approach.Ready to cut through the noise and take control of your financial future? Tune in now for insights that will empower your wealth-building journey.
Are you investing with confidence, or could your advisor's hidden motivations be impacting your returns?With evolving trends in mutual funds and ETFs, many investors are questioning how financial advisors' incentives may affect the guidance they receive. In this episode, we delve into the complexities of advisor motivations, fund flows, and the future of passive vs. active management in Canada and the U.S. to help you make more informed wealth decisions.By tuning in, you’ll discover:1) how current investment trends impact the cost and effectiveness of mutual funds vs. ETFs, 2) gain insights into strategic beta products and the debate on passive vs. active management, 3) and learn why staying informed on advisor compensation models could safeguard your investments.Listen now to get clear on what to look for when choosing an investment advisor, and take control of your financial future!
Are you prepared to navigate the financial and emotional complexities of eldercare for a loved one?As people live longer, families increasingly face tough choices around eldercare, often without sufficient planning or clarity. In this episode, you’ll learn essential steps to manage eldercare costs, protect family dynamics, and preserve your loved one’s dignity during a delicate time.In this episode, you will:1) Understand the financial and legal tools, like powers of attorney, that simplify eldercare decisions.2) Gain insights into how family meetings and transparent conversations can ease tensions and set clear expectations.3) Learn strategies to maximize resources for eldercare while balancing financial considerations for all family members.Tune in to master the strategies that make eldercare decisions smoother and more secure for your loved ones and family.
Are you financially prepared for the rising costs of elder care? What happens when your loved ones need full-time care but no plan is in place?In this episode of Make Better Wealth Decisions, we dive into a critical topic many overlook—preparing for the financial and logistical challenges of elder care. With the growing aging population, families are often unprepared when faced with the reality of long-term care for parents or grandparents. Understanding the options and costs involved can help you make better decisions before a crisis hits.In this episode, you will:1) Learn the true costs of retirement living and how to prepare financially for unexpected elder care needs.2) Understand the importance of having a power of attorney and other legal documents in place to avoid a family crisis.3) Discover practical steps for managing care when your loved one can no longer live independently at home.Don’t wait until it’s too late—tune in now to learn how you can financially and emotionally prepare for the realities of elder care.
Are you confident that your financial decisions are setting you up for long-term success, or are you missing crucial blind spots that could harm your wealth?Many people think financial planning is just about investments, but in reality, it involves so much more—like tax strategies, insurance, and family dynamics. This episode explores the comprehensive world of financial planning and how it can help you maximize your wealth while minimizing risks.In this episode, you’ll learn:1) The key differences between financial planning and selling financial products.2) Why holistic financial planning is essential for making better wealth decisions.3) How to ensure your financial strategy aligns with your values and lifestyle.Want to optimize your financial future? Listen to this episode now and discover the tools to make smarter wealth decisions!
Have you ever wondered if your financial planner is truly working for your best interests or just trying to sell you products?In this episode, we dive into a crucial distinction that affects your financial future—understanding the difference between comprehensive financial planning and mere product sales. If you've ever felt unsure about whether your investments are part of a bigger plan or just a sale, this episode will shed light on why it matters and how to ensure you're getting the financial advice you deserve.In this episode, you will:1) Gain insights into why true financial planning goes beyond selling investment products.2) Learn how to identify if your financial advisor is helping you minimize taxes and maximize your investments with your future in mind.3) Discover the steps you can take today to ensure your wealth strategy aligns with your life goals.Tune in now to learn how to make better wealth decisions and ensure your financial future is on the right track.
In today's complex world, financial decisions are often clouded by external distractions and uncertainties. But by focusing on what you can control, you can make informed, strategic choices. This episode helps you cut through the clutter and align your wealth decisions with your long-term goals, no matter the shifting landscape.By tuning in, you'll discover:1) How to filter out noise and make confident financial decisions based on what matters most.2) Practical strategies for building a flexible, long-term wealth plan that adapts to unexpected changes.3) Insights into decision-making frameworks that promote purposeful, principle-based actions, not reactive ones.Start shaping your financial future now—press play and learn how to make better wealth decisions that align with your goals!
Are you letting procrastination or uncertainty control your financial decisions?In today's unpredictable world, navigating financial markets and making confident money choices is more challenging than ever. This episode explores how emotions, procrastination, and behavioural finance impact your wealth-building decisions—and what you can do to take control.In this episode, you will:1) Learn how to overcome the psychological barriers, like procrastination, that can sabotage your financial goals.2) Discover actionable strategies to make better investment decisions, even in times of uncertainty.3 Gain insights into managing client relationships more effectively through behavioural finance techniques.Tune in now to start making purposeful financial decisions and gain control over your wealth journey!
Are you making wealth decisions based solely on investments without considering the bigger picture?Many people focus only on investing when it comes to managing their wealth, overlooking other critical factors like taxes, estate planning, and insurance. In this episode, we explore how these overlooked areas can have a bigger impact on your long-term financial success than picking the right stocks or mutual funds.In this episode, you will:1) Learn why asset location might not matter as much for taxes in 2024, but how to optimize for the future.2) Discover the benefits of using private life insurance instead of mortgage insurance from your bank.3) Understand key strategies for protecting your wealth and business with proper insurance and tax planning.Tune in now to uncover smarter strategies for managing your wealth beyond just investments!
Are you confident that you're making the best financial decisions for your future, or are you missing key factors that could impact your wealth?In this episode, we explore comprehensive financial planning beyond just investments. Whether it's ensuring you have the right insurance, maximizing tax efficiency, or preparing for generational wealth transfer, this conversation tackles the financial blind spots that many overlook, costing them long-term wealth.In this episode, you will:1) Learn how to integrate tax planning, estate planning, and insurance into a holistic financial strategy.2) Discover the benefits of working with multiple financial experts to ensure all aspects of your wealth are optimized.3) Get actionable tips on how couples and families can improve their financial decision-making process together.Don’t leave your financial future to chance—listen now and gain insights that could help you make smarter wealth decisions today.
Are you maximizing your investment returns by taking advantage of factor investing strategy?In a world where investment decisions can feel overwhelming, understanding how to tailor your portfolio using factor investing can help you minimize risk while enhancing returns. If you're looking for a smarter way to invest, this episode will guide you through a crucial strategy that goes beyond traditional stock-picking or passive indexing.In this episode, you will:1) Learn how factor investing can improve your portfolio's performance while managing risk.2) Discover how to strategically adjust your investments based on market sentiment and valuation.3) Gain insights into the evolution of the investing landscape and how to make smarter, more informed decisions.Tune in now to explore how factor investing could be the key to smarter wealth-building and better investment outcomes!
Are you missing out on smarter investment strategies by overlooking factor investing?In today’s volatile market, simply choosing growth or value stocks might not be enough to safeguard your portfolio. Factor investing offers a more strategic way to achieve better returns while managing risk. Whether you’re a seasoned investor or just starting out, understanding these strategies can be the key to maximizing your investments without taking unnecessary risks.In this episode, you will:1) Discover how factor investing can help you improve long-term returns by focusing on key investment factors like value, growth, and low volatility.2) Learn why low volatility stocks may outperform in high-risk markets and how you can integrate them into your portfolio.3) Get actionable insights from experts on how to optimize your portfolio without chasing short-term market trends.Tune in now to hear expert advice on how factor investing can help you make smarter, more resilient wealth decisions!
Worried that your financial advisor's blind spots might be hurting your investments? Are you missing out on key strategies that could improve your financial future?In today's complex financial landscape, it's easy to overlook critical factors that can make or break your investment success. This episode dives into the often-ignored strategies that can help you make smarter wealth decisions—ensuring you get the most out of your investments while minimizing taxes.In this episode, you will:1) Uncover why starting your investments early is essential for long-term success.2) Learn how increasing your savings rate today can significantly impact your retirement.3) Find out how delaying retirement by a few years can double your financial benefit.Take control of your financial future—tune in to this episode now and discover the steps you need to make better wealth decisions!
Did you know that even high-powered investors like CFAs and cabinet ministers can fall into the same emotional traps as everyday people when the market takes a dive?This episode dives into the surprising ways emotional investing affects even the most seasoned professionals, and how those blind spots can impact your own investment strategy. Whether you’re a novice or a pro, understanding these common mistakes can help you avoid them in your financial journey.In this episode, you will:1) Discover the key emotional triggers that cause even the most sophisticated investors to lose their nerve.2) Learn practical strategies to stick to your investment plan, no matter how volatile the market becomes.3) Find out how to align your investment behaviour with long-term financial success, just like the experts.Tune in now to learn how to outsmart emotional investing and make better wealth decisions!
Do you know when you're most likely to make risky financial decisions and how it might be affecting your investments?If you're striving for better financial outcomes, understanding how unconscious biases impact your investment decisions is key. Most of us are unaware of how our habits, especially at the end of the week or month, influence our risk-taking. This episode uncovers the hidden patterns behind these behaviours and shows you how to turn them to your advantage.In this episode, you will:1) Learn how behavioural economics can help you avoid unnecessary risks when investing.2) Discover strategies to modify your habits and make more thoughtful, purposeful financial decisions.3) Find out how to use self-awareness to improve your portfolio and ensure your money is working harder for you.Tune in now to discover how to take control of your financial habits and make smarter investment choices!
Are you unknowingly taking more financial risks at the end of the week or month? Research shows that you might be—without even realizing it.In this episode, we dive into the surprising ways your decision-making process changes at key points in time, such as the end of a week, month, or year. If you're an investor, understanding these psychological triggers could help you avoid unnecessary risks and optimize your wealth strategy.In this episode, you will:1) Learn how optimism bias can affect your financial decisions, especially at the end of time cycles like weeks or months.2) Discover actionable tips from behavioral economics that will help you make smarter, more informed investment choices.3) Hear insights from a leading expert on how to consciously plan your financial moves to avoid taking risks that don’t align with your long-term goals.Don’t let hidden psychological triggers sabotage your financial future—tune in now to get practical advice on making better investment decisions!
How often do we make financial decisions only to find ourselves straying from our goals or feeling uncertain about our choices? What if the real problem lies in the advice we're given?In this milestone 100th episode, we dive deep into the concept of the "implementation gap," revealing how even well-intentioned financial advice can miss the mark, leading to less than optimal outcomes.Whether you're managing your wealth solo or working with an advisor, understanding this gap is crucial for achieving your financial goals.In this episode, you will:1) Discover the psychological pitfalls that can hinder your financial decisions and how to overcome them.2) Learn why your own words and motivations are vital to sticking with your financial plan.3) Gain insights into how to create a sense of ownership in your financial strategy, leading to better long-term success.Tune into this episode now and unlock the strategies that can help you take full control of your financial future.The podcast delves into behavioural economics and personal finance, offering expert financial advice on managing money, investing, and navigating the stock market, while highlighting common blind spots of financial advisors to help you make better decisions for retirement and overall wealth management.
Have you ever wondered why some financial plans, despite being meticulously crafted, end up collecting dust instead of leading to real action?This episode dives into the critical, often overlooked aspect of financial planning: keeping clients motivated and engaged throughout the process. If you're a financial advisor or someone who wants to ensure their financial plan is more than just numbers on paper, this discussion is directly relevant to you. Understanding these nuances can be the difference between a plan that gets shelved and one that truly works for you. In this episode, you will discover:1) How to uncover your client's deepest financial motivations2) Learn techniques to ensure your financial advice resonates with clients on a personal level3) Explore ways to foster a sense of ownership over financial decisions, leading to better follow-through and satisfaction.Don’t miss out on this game-changing conversation—tune in now to learn how to make your financial planning more effective and impactful!The podcast delves into behavioural economics and personal finance, offering expert financial advice on managing money, investing, and navigating the stock market, while highlighting common blind spots of financial advisors to help you make better decisions for retirement and overall wealth management.
Have you ever thought about what would happen to your loved ones or your assets if something unexpected occurred? Are you sure your estate plan is truly protecting your wishes?Estate planning isn't just for the wealthy—it's an essential step for anyone who wants to ensure their family is cared for and their assets are distributed according to their wishes. Without proper planning, the government could make these decisions for you, potentially leaving your family in a difficult position.In this episode, you'll discover:1) Why every Canadian needs an updated will and power of attorney, no matter their age or wealth.2) The importance of regularly updating your estate plan, especially after major life changes like marriage, divorce, or the birth of a child.3) How to avoid common pitfalls in estate planning, such as the probate process, and ensure your loved ones are protected.Take control of your future—listen to this episode now and learn how to safeguard your assets and protect your family with a solid estate plan.
Have you ever wondered what would happen to your hard-earned assets if you weren’t around to manage them? Do you know who would make the crucial decisions on your behalf?Estate planning can feel overwhelming and even a bit morbid, but it’s a critical part of securing your financial legacy. In this episode, we dive into the steps you can take to ensure that your wishes are honoured, your loved ones are taken care of, and your assets are managed with the least amount of hassle. Estate planning isn’t just for the wealthy—it’s a vital process for anyone who wants to protect their family from unnecessary stress and financial strain.In this episode, you will:1) Discover the seven essential steps of estate planning that can help you create a comprehensive and clear plan for your assets.2) Learn how to avoid common pitfalls that could lead to disputes among heirs or even costly legal battles.3) Gain insights into choosing the right executor and ensuring they’re well-equipped to handle your estate.Don’t leave your family’s future to chance—listen to this episode now and start planning your estate today to secure peace of mind for tomorrow.
Have you ever made an investment decision without considering what could go wrong? What if there was a simple strategy to safeguard your portfolio from unexpected market turns?This episode dives into the concept of an investing pre-mortem—a proactive approach to financial planning that helps you anticipate potential pitfalls before they happen. In a world where markets can shift unpredictably, understanding how to prepare for the worst is key to long-term success.By tuning in, you will:1) Learn how to identify hidden risks in your investments2) Develop a clear action plan for market downturns3) Make more informed financial decisions that protect your future wealth.Don't wait until it's too late—listen to this episode now and start fortifying your financial strategy today!
Are you ready to navigate the unpredictable waves of market volatility? What if your financial future depended on decisions you made today?In today’s world, market ups and downs are a given, but how well are you prepared to ride them out? Whether you’re an investor or a financial advisor, understanding the dynamics of volatility can be the key to protecting your wealth and sanity. This episode dives into the strategies and mindset shifts you need to stay ahead in uncertain times.In this episode, you will:1) Learn practical strategies from financial and marketing experts on how to manage market volatility effectively.2) Discover the psychological and tactical approaches to ensure your investments weather the storm.3) Gain insights into the interplay between financial products and investor behavior, and how to use this knowledge to make better decisions.Tune in now to arm yourself with the knowledge and strategies you need to confidently navigate market volatility and protect your financial future!
Have you ever wondered how a simple document could drastically improve your investment decisions and keep your emotions in check during market turbulence?In today’s fast-paced financial world, it’s easy to get caught up in the chaos and make hasty investment decisions that may not align with your long-term goals. This episode is tailored for those who want to bring order and clarity to their investment strategy, ensuring they stay true to their values and objectives regardless of market fluctuations.By tuning in, you’ll discover the concept of an "investing constitution"—a personalized financial guide that helps you:1) Clearly define and memorialize your investment philosophy and principles.2) Establish triggers and rules for rebalancing your portfolio, so you’re never caught off guard.3) Maintain discipline in your investment decisions, ensuring consistent success over the long term.Don’t miss this opportunity to learn how to build your own investing constitution—press play now and take control of your financial future!
Have you ever wondered why two people with similar portfolios have drastically different reactions to market changes? What if the key to better investment outcomes isn't just about the numbers, but how you handle the emotions behind them?In today’s episode, we dive into a ground breaking approach to investing with Greg Davies, Head of Behavioral Innovation at Oxford Risk. If you’ve ever felt overwhelmed by market volatility or unsure about the best way to structure your investments, this conversation will show you how understanding your financial personality can be the missing piece to making better wealth decisions.By tuning in, you’ll discover:1) How to personalize your investment strategy based on your unique emotional profile, not just financial metrics.2) Practical ways to reduce anxiety in your investment decisions, ensuring you stay committed to your long-term goals.3) How modern technology can act as a "decision prosthetic," helping you make smarter, more confident choices.Ready to transform how you manage your wealth? Press play now and learn how to tailor your investment strategy to who you are, not just what you have.
Are your investments truly secure in today’s volatile world? Have you considered how global geopolitical shifts could impact your financial future?In a rapidly changing world marked by rising inflation, geopolitical tensions, and climate disruptions, it's more important than ever to reassess your financial strategies. This episode dives into these critical issues and provides insights on how they could affect your investments and retirement plans.In this episode, you will:1) Understand how global geopolitical events, like the resurgence of Cold War dynamics, can directly influence your financial security and investment choices.2) Learn about the economic implications of inflation, interest rate hikes, and the potential decline of the U.S. dollar as the world’s reserve currency.3) Discover practical steps to safeguard your portfolio and adjust your retirement plans in light of lower future returns and increasing economic uncertainty.Stay ahead of the curve—listen now to gain crucial insights that could protect and enhance your financial future!
Are you tired of making financial decisions that don't quite hit the mark?In today's complex financial landscape, many investors are unknowingly affected by the hidden biases and blind spots of their financial advisors. This episode of "Make Better Wealth Decisions" explores how these unseen factors can harm your investments and offers strategies to achieve better financial outcomes by maximizing investments and minimizing taxes.In this episode, you will:1) Gain insights into the most common blind spots financial advisors have and how they can impact your investment strategy.2) Learn how to identify and overcome these biases to improve your investment outcomes.3) Discover practical advice on maximizing your investments and minimizing your tax liabilities.Tune into this episode now to unlock the secrets to smarter financial decisions and safeguard your investments.
In this episode, we explore the new economic landscape shaped by inflation, international sanctions, and shifting global power dynamics. Understanding these changes is crucial for making informed decisions about your investments and financial strategies.In this episode, you will:1) Learn how global economic shifts and inflation trends can affect your investment strategies.2) Discover actionable tips to protect and grow your wealth in a new bipolar world economy.3) Gain insights into how higher interest rates and production costs might influence your financial planning and lifestyle.Don't let economic changes catch you off guard—listen now to equip yourself with the knowledge needed to make better wealth decisions!
Are your investments prepared for a world where global economies are drastically changing due to inflation, war, and sanctions?In today's rapidly shifting economic landscape, understanding the forces at play can mean the difference between securing your financial future and facing unexpected losses. This episode dives deep into how current geopolitical events are reshaping our world and impacting your wealth.In this episode, you will:1) Learn how global sanctions and geopolitical tensions are disrupting traditional economic models and what that means for your investments.2) Discover the long-term impacts of inflation on wages and the cost of goods, and how to adjust your financial strategies accordingly.3) Gain insights into why the stock market and bond market may be more volatile than ever and how to navigate these challenges effectively.Don't miss this essential episode—press play now to equip yourself with the knowledge you need to make smarter financial decisions in an unpredictable world.
We're rebranding! This short episode will tell you why and what to expect moving forward from Make Better Wealth Decisions. The podcast delves into behavioural economics and personal finance, offering expert financial advice on managing money, investing, and navigating the stock market, while highlighting common blind spots of financial advisors to help you make better decisions for retirement and overall wealth management.
Have you ever wondered why so many young investors are overly confident in their financial decisions, and how this might be impacting their wealth?If you're a millennial navigating the complexities of personal finance, this episode dives deep into the unique challenges and biases faced by your generation, and how to turn these potential pitfalls into opportunities for financial growth and stability. In this episode you'll:Understand the common behavioral biases that young investors face and how to overcome them.Learn about effective financial planning strategies, including the use of First Home Savings Accounts (FHSAs).Discover actionable advice from a millennial financial advisor on building a robust, diversified investment portfolio.Tune in now to gain invaluable insights on mastering your financial future and making smarter investment decisions!
Have you ever considered the similarities between financial consumer protection and environmental protection? These two seemingly disparate fields have a lot in common because they have to fight against well-funded industry players who represent corporate interests. Tune in to hear Burkhard Mausberg of the Greenbelt and the Small Change Fund weigh in on what a difference advocacy can make. Episode #74 With Burkhard Mausberg
Many people are coming to realize that there may be benefits to using more alternative investments as part of their portfolio design. Pension funds have been using them for generations. Tune in to learn how alternatives can impact, risk, expected return and liquidity considerations. Episode #73 with Vikram Rajagopalan
This week’s guest, CEO, radio host, podcaster and author Bruce Sellery argues that it doesn’t matter what you KNOW, but what you DO that counts.Episode 69: Bruce Sellery
Here are some ideas that can prevent ‘unintended consequences’ so you can leave more to your family and charitable causes.Episode 68: Mark Halpern is CEO of WEALTHinsurance.com.
What do stock pickers think of the term ‘stock picker’s market’ and what can you learn from their focus and discipline?Benj Gallander: Episode #67
Anna is the founder of Canadian Tax Nerds, an informal discussion and study group of over 1,800 Canadian tax professionals. She is also a panelist at weekly sessions of the Canadian Tax Club.Anna is active in the Greater Toronto Area's Russian-speaking legal community.
Dan Hallett is Vice President, Research and Principal at Highview Financial Group. Have you stopped to sit down and think about how risky your individual products are – and how risky the regulators say they are?
Dr. Moira Somers is an expert on overcoming procrastination and resistance. Her book ‘Advice that Sticks’ is used by great advisors everywhere. How can we get people to act, knowing that you can’t compel motivation?
Liz Mulholland is the CEO of Prosper Canada, a national charity dedicated to expanding economic opportunity for all. We discuss the dire situation many Canadians face, the need for improved literacy and the possible benefits of more explicit labelling for high-interest loans.
Nadine Livingston is the chief Alchemist at Strategicly. She’s a marketing consultant to many industries – including finance. How do firms use #Bullshift to manipulate your buying patterns?
Tyler Meredith is a public policy guru who has had a direct hand in crafting numerous federal budgets. He joins me to discuss the role of #Bullshift in creating purposeful policies and in projecting economic developments – with specific references to Tuesday’s federal budget.
Maureen Jensen is the former CEO of the Ontario Securities Commission and the current CEO for the Ombudsman for Banking and Securities Industry. What does she think about the proposal to give OBSI binding dispute resolution authority?
Dave Hayes is the research subject matter expert for the FCAC’s behavioural finance lab. What are some hacks that can help people change their behaviour to reach better financial outcomes?
Kris Knutson is a PhD who works for United For Literacy, helping people of all ages to better understand finance. Did you know there are now courses about personal finance in grade school and high school?
Gillian Kunza is the CEO of Designed Securities. Have you ever considered the many meanings of the word “independent” in financial services?
Peter Victor is a renowned expert on environmental economics. His new book ‘Escape From Overshoot’ is a direct challenge to how we view ourselves. Did you know that environmental economists challenge traditional economics as much as behavioural economists do?
Shawn Brayman is the former CEO of PlanPlus, an industry-leading financial planning software firm. Just how reliable are risk profiling questionnaires, really?
*Our sincerest apologies for the audio quality of this episode. Despite our best efforts, technical challenges beyond our control resulted in less-than-ideal sound. However, it was still a great conversation with Lauren Jeffrey. Enjoy!-Lauren Jeffrey is the President of Point.Shift, a practice management firm that helps advisors navigate relationships. Lauren and John agree on the need for a shift, but how are they different in their perspectives?
Amanda Lang is a Canadian business journalist, currently employed by BNN Bloomberg. Previously, she was the host of Bloomberg North on Bloomberg TV Canada.
John A. Turner is a Ph.D. from the University of Chicago who is a senior pension consultant and researcher based in the U.S. Are people too optimistic about what they expect to earn in their defined contribution plans?
Marc Kealey is a principal at Kealey and Associates, a boutique management consulting firm with public policy expertise. What do you know about the election of R.B. Bennett in 1930?
Greg Romundt is the founder and President of Centurion Asset Management Inc., Centurion Apartment REIT, and Centurion Financial Trust, which collectively manages over $7.2 billion in assets.What’s the right way to pronounce Cantillon – and what the heck is the Cantillon Effect?
Jasmine Fan, Director and Senior Member of the iShares Investment Strategy team, joins John to offer her firm’s outlook for 2024. Pop quiz: what’s the difference between a soft landing and no landing?
Coreen Sol is a CFA and Portfolio Manager. Her recent book, ‘Unbiased Investor: Reduce Financial Stress and Keep More of your Money’ cements her reputation as an authority who incorporates behavioural finance into practice management.
Dennis Mitchell joined Starlight Capital in March 2018 as Chief Executive Officer and Chief Investment Officer. He has over 20 years of experience in the investment industry.
Harry Mamaysky is a professor of professional practice at Columbia Business School, where he is the faculty director of the Master of Science in Financial Economics program and the Program for Financial Studies. He is also the co-founder of QuantStreet Capital, a NY registered investment advisor.
Sam Sivarajan is a speaker, author and behvioural scientist. He’s also a sought-after industry consultant who helps advisors and investors make better decisions. He’s written two best-selling books and has a podcast of his own. A major theme of our discussion revolved around lowering expectations to be more reasonable (i.e., less bullish).
Russel Baskin is a certified executive and retirement coach at Trella Consulting Group. She brings a human element to her belief that there is a way through every situation. We talked about retiree optimism in its various forms.
Chuck Grace is a professor at Western University and a former finance industry executive. He’s program director for both Canada’s Financial Wellness Lab and Ivey’s Investment Professional Leadership Program. We discuss advisors’ misguided beliefs and the impact of saving on financial resilience.
Jean-Paul Bureaud is Executive Director, President, and CEO of FAIR Canada – the Foundation for the Advancement of Investor Rights. He joins us this week to talk about how FAIR Canada is fighting to protect the interests of ordinary investors who might otherwise be subject to Bullshift.
Preet Banerjee is a columnist, author, commentator, and consultant to the financial services industry. He’s recently completed a doctoral thesis that delves into the value of financial advice in Canada. While acknowledging that there’s a wide range of advisor talent and proficiency, he offers insights on which activities add value for clients.
Dave Wahl is a financial services industry veteran with Franklin Templeton Canada. He spearheads the Canadian application of their respected ‘Anatomy of a Recession’ program, which uses a dashboard approach of a dozen indices to offer a thoughtful perspective and practical views on the likelihood and severity of a possible recession.
Bullshift (the book) is one year old this week! As part of the celebration, John looks back on the year that has passed and has some announcements about how Bullshift, the podcast, will be evolving.
Diana Bishop had a long career as a journalist in the Canadian political landscape. She has some observations on how spin and narrative make their way into how we consume information. She’s also the granddaughter of Canadian war hero Billy Bishop. There’s a story there, too.
Dr. Cheryl Hurst is an expert in organization behaviour with an emphasis on career paths and decision-making. As it turns out, human resources decision-making and financial management decision-making are closely related. Why does everyone think home ownership is such a big deal?
Fred Vettese is the former chief actuary at Morneau Shepell, a leading pension consulting firm. He’s written hundreds of articles in the national media and written four books on retirement planning. We discuss his recent bestseller Retirement Income For Life.
Michael Konopaski is a founder of Designed Securities, Canada’s first dual-licenced dealer firm. He has considerable insight regarding where the business of advice is headed, what clients want from their advisors, and what advisors want from their dealers.
Geoff Lang is a VP with Equiton Capital. He offers some simple, homespun observations about the value of advice and the utility of alternative asset classes in a diversified portfolio.
Robert Stel is a consultant with Environics Canada. He has expertise in the financial services industry and has considerable insight into how advisors interact with their clients.
Joe Nelesen is part of the team at S&P Dow Jones Indices producing their flagship SPIVA research. SPIVA stands for Standard and Poor’s Index Versus Active and the ongoing results of their worldwide research paint a compelling picture of why indexing offers a compelling value proposition for investors.
Wardah Malik is the CEO of BEworks in Toronto. Her company works to help companies and governments apply behavioural economics concepts to reach better outcomes for everyone. She’s fascinating.
Harold Geller is a veteran in Canadian securities law. He’s spent his career helping people get restitution where advisors make errors or provide unsuitable recommendations. There’s a lot to be learned about making sure everyone is on the same page – and being able to prove it in court.
This week, we speak with Vikram Rajagopalan, who is a Managing Director at Trez Capital. We explore how regulators look at alternative investments and give consideration to how investors might use alternatives to combat the dangers of Bullshift.
Jonathan Chevreau is a mainstay in personal finance. He’s been a columnist for a national newspaper, has written two books and runs a successful website dedicated to assisting people on their investing journey. He joins the Bullshift podcast to discuss how the industry has evolved and his own personal journey in financial decision-making.
Dilip Soman is one of the pre-eminent behavioural economists in Canada. He joins the podcast this week to discuss applied Behavioural Economics. Do you know the difference between a nudge and sludge?
Amos Nadler is the founder and chief scientist of the Prof of Wall Street, the world’s first qualitative fintech firm. He has thoughts on how people trade and believes the onus is on advisors to learn about behavioural biases.
Michelle Hilscher is a Vice President at BE Works in Toronto. She has a PhD in cognitive psychology from the University of Toronto, and works as a behavioural scientist that solves real-world challenges. Many of her clients work in the financial services industry, so she knows all about Bullshift.
Dennis Moseley-Williams is an internationally renowned consultant and keynote speaker who helps companies transition to the experience economy. He joins John to discuss the pros and cons of optimism regarding the client experience as they work with advisors.
John Lawford is the Executive Director of PIAC, the Public Interest Advocacy Centre is a national not-for-profit corporation that protects consumer interests in regulated industries like finance. He joins John to discuss consumer protection against Bullshift.
Daniel Straus is the head of ETF research at National Bank. He has a fascinating background because he’s a person with a science and engineering background who works in finance. Here, he compares and contrasts the two disciplines. Have you ever heard of “physics envy”?
Daniel Straus is the head of ETF research at National Bank. He has a fascinating background because he’s a person with a science and engineering background who works in finance. Here, he compares and contrasts the two disciplines. Have you ever heard of “physics envy”?
Derek Deadman is this week’s guest. He’s the Chair of FP Canada’s committee that provides annual financial planning assumptions guidelines. Those guidelines are crucial in helping planners make suitable recommendations. We explore both how they are being used and how they can be manipulated to provide clarity for people doing planning work.
Rob Carrick is a mainstay in Canadian personal finance. As a columnist for the Globe and Mail, he enjoys a national following and is widely respected. We share a few stories about how personal finance has evolved over the past generation.
Tim Nash is a leading expert on ESG (environmental, social and governance) investing. He joins John to discuss how people can align their portfolios with their values and advocates for a shift away from a growth-at-all-costs approach to economic development.
David MacDonald is a senior executive at Environics Canada, a public opinion research firm that has expertise in social values and trends. He shares his insights about how we think abut finance in general, and about our views regarding optimism, in particular.
Tim Herron is a recognized expert on corporate governance. His thoughts on best practices, transparency and serving client interests are directly transferrable to the financial advice business.
Lawrence Lynch has a critical role in finance – he’s a professor of financial planning and as such, is responsible for teaching and mentoring the next generation of advisors. Tune in to learn how the next generation sees things. Hint: there are material differences to how many advisors work currently.
Our guest this week is Larry Berman of Q Wealth Partners and the BNN program “Berman’s Call”. Larry has a wealth of hands-on experience in the behavioural finance field and offers some concrete examples of how behavioural quirks can influence our decisions.
This week, John sits down with Ellen Roseman, a lifelong consumer advocate who has had stints as a personal finance columnist for the Toronto Star, FAIR Board member and co-host of the Canadian MoneySaver podcast.
Kevin Prins is a Senior Executive at BMO ETFs. He joins John this week to talk about how ETFs can be used by STANDUP Advisors to obtain more precise and cost-effective portfolio solutions for investors.
Pat Dunwoody is the Executive Director of the Canadian Exchange Traded Fund Association (CETFA). Listen in to learn about the exponential growth of ETFs in Canada.
As CEO of CanAge, Laura Tamblyn-Watts is a leading voice for Canadian seniors. Her insights into the challenges seniors face make for some intriguing food for thought.
Kelley Keehn is a mainstay for personal finance education and awareness in Canada. She’s a regular guest on Global TV’s Morning Show, BNN and the Marilyn Dennis Show. She joins me this week to discuss her mission of helping people become more financially literate.
Ted Cadsby is the author of four major books about decision-making and a sought-after thought leader and Board member. His interesting views on how people make decisions are worth considering.
My guest this week is Som Seif, CEO of Purpose Investments. Som and I discussed some of the history behind the rise of ETFs in Canada and discussed the hidden risks associated with unexpected longevity.
Our guest this week is Rodrigo Gordillo, who is the Managing Partner at Resolve Asset Management. He’s an out of the box thinker who has a unique perspective on risk, asset allocation, and portfolio construction dogma.
Tim Huver is a senior Canadian executive at Vanguard, is one of the world’s leading asset management firms. Hear Tim’s takes on product costs, client expectations, the framing of value propositions, and more.
Michelle Schriver is this week’s guest. She’s a senior journalist with Newcom Media, the people who publish both Investment Executive & Advisor’s Edge – two premier publications in the wealth management space. As a result of her unique position as a person who writes expressly for financial professionals, Michelle’s perspective on the industry is delightful. She values the tole of advisors, but is simultaneously mindful of their limitations. For once, the interviewer gets to be the interviewee.
David Lewis is a renowned behavioural economics expert and industry consultant. John asks him about common financial industry biases and how our attitudes sometimes get the best of us. Did you know people feel the pain of loss twice as acutely as the joy of a gain? Have you ever heard of Ignaz Semmelweis?
Michael Coren, is a prominent Christian writer, media personality and thought leader. In the holiday-themed episode, John and Michael delve into questions of proper professionalism, ethical disclosure and some of the bigger challenges the world faces as we come to terms with making do with less.
In the pilot episode of Bullshift, John speaks with Prasad Ramani, CEO of Syntoniq, a software company that helps people probe their financial biases and behaviours. They touch on how being biased is a bi-product of being human and how people are often better able to see biases in others than in themselves.