Summary:
In this 113th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Zack Brown, Vice President of Sales at Dialogue in Montreal. Dialogue is a telehealth service that enables you to access healthcare right from your smart phone in a fast, user-friendly, and convenient manner. Zack Brown discusses how Dialogue began, how they service their ideal customers, and the benefits of Dialogue.
Read MoreWhat’s the main thing that Amazon, Microsoft, Alibaba, Google and IBM have in common? They all compete in one key area: on-demand cloud computing. What if they decide to start offering “banking as a service” to enable neobanking in Canada?
Then, in 2002, Amazon launched a new division that would end up, over time, changing everything. This new division was initially designed to meet Amazon’s internal needs by developing a common architecture, tools, and storage for Amazon’s various projects, and. there was some early discussion about offering this new server infrastructure as a service to third parties.
Two years later, Amazon Web Services (AWS) – “the world’s most comprehensive and broadly adopted cloud platform” – launched to the public, and we’ve all been feeling the impact ever since.
Read MoreHello and thank you for joining me for the Wisdom of Wealth, a show where I educate Canadians about fundamental financial literacy topics to help you make better and more informed decisions, and to know when and where to reach out for help. I'm Jason Pereira, and I have the privilege of being your host. Today on the Wisdom of Wealth we're going to talk about something that many Canadians seem obsessed with, real estate.
Read MoreSummary:
In this 112th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Natalie Sunderland, Chief Marketing Officer of Addepar, to talk about embracing risk, the benefits of technology, and the importance of advancing data reporting in wealth management.
Read MoreOne of the first theories university finance students learn is Modigliani-Miller irrelevance theory: the idea that a company’s dividend policy is largely irrelevant to investors because they can always generate cash flow from their shares by selling them.
In the real world, however, one of the first things you learn as a financial advisor is that despite this theory, investors love dividends. To be fair, the allure is easy to understand. I know I feel good when I get money handed to me with no effort on my part.
Does this mean that dividend irrelevance theory doesn’t hold up outside the ivory tower? Nope: Modigliani and Miller are right – and investors’ love of dividends is really just mental accounting at work.
Read MoreToday on the Wisdom of Wealth, we're going to talk about something that affects the lives of all Canadians; estate planning. Estate planning is just a technical term for what happens to your stuff when you die. Because it has to do with dying, many people avoid the subject as much as they possibly can because they don't want to think about it. In fact, surveys show that just about half of Canadians don't even have a will, and those who do, the majority haven't updated in the last 10 years. Let me urge you; if you are one of these people, please do something.
Read MoreSummary:
In this 111th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes J. Paul Haynes, President and COO of eSentire, to talk about evolving cybersecurity threats, the challenges of the mid-size market, and more.
Read MoreOn death, a surviving spouse can transfer the assets within the deceased TFSA to their own TFSA without affecting their own room. However when the taxpayer dies, any unused room dies with them, and unlike an RRSP, an estate cannot contribute to a TFSA. The unused room is gone forever.
So where does that leave the surviving spouse? As of 2020, with a lost opportunity to shelter up to $69,500, even if the estate has sufficient assets to fund the account. Unless they move quickly before their spouse’s death by making a deathbed TFSA contribution.
Read MoreToday on the Wisdom of Wealth, we are going to talk about something that affects the lives of all Canadians, debt. Debt comes in many forms, mortgages, lines of credit, credit cards, student loans, car loans, you name it. And we're going to talk about several of them.
Read MoreSummary:
In this 110th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Ohad Samet, Co-founder and CEO of True Accord, to talk about leading with empathy even in debt collection, how True Accord’s debt collection model has impacted both creditors and debtors, and more.
Read MoreOn February 7th, the Globe published an article – Why Wealthsimple and robo-advisors aren’t scaring Bay Street anymore – concluding that “the robo-revolution has been a flop:” “the harsh reality is that [Wealthsimple] simply isn’t growing fast enough. Even more sobering, the whole sector is facing a reckoning.”
Since then, several people have reached out to ask my opinion of the piece. In response, I thought I would take the time to share my thoughts in this blog post.
Read MoreToday on the Wisdom of Wealth, we are going to talk about something that affects the lives of over one-third of working Canadians, workplace pension plans. Workplace pension plans are put in place by employers as a way to attract, retain, and reward employees, while simultaneously helping them prepare for retirement and doing so in a tax- efficient manner.
Read MoreSummary:
In this episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews returning guest Samantha Russell, Chief Marketing & Business Development Officer at Twenty Over Ten. This time around, instead of discussing Twenty Over Ten, Samantha has come to talk about Lead Pilot, which is Twenty Over Ten’s content marketing platform for financial advisors. Samantha also explains inbound marketing, why it is so effective, and how inbound marketing differs from short-form marketing.
Read MoreI am happy to announce the Wisdom of Wealth Management. A blog about the Canadian financial services industry where I, and hopefully a few future contributors, will share research, commentary, and advice on a wide range of topics.
Read MoreMy name is Jason Pereira, and I am a senior financial planner at Woodgate Financial, a Toronto-based independent financial planning firm. I'm also a columnist for The Globe and Mail's Globe Advisor, a financial technology expert, podcast host, and the only three-time winner of the Global Financial Planning Award, and I have the privilege of being your host.
Read MoreSummary:
In this 108th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Daryl Hatton, Founder and CEO of Connection Point, to talk about Connection Point’s crowdfunding model, some major successes challenges the platform has faced, the psychology behind philanthropy, and more.
Read MoreSummary:
In this 107th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Garrett Viggers. Co-Founder at Limelight Health, a company that is working to digitize the entire experience of insurance applications from start to finish. Garrett Viggers talks about how Limelight Health got started, obstacles in getting the industry to accept innovation, and not trying to be a one-stop solution for everything.
Read MoreIn this 106th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Filipe Castro, co-founder and CIO of Utrust, to talk about Utrust’s growth strategy, how blockchain payment technology competes with credit cards and other existing forms of payment, the future of payment tech, and more.
Read MoreSummary:
In this 105th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Doug Dahmer, CEO of Better Money Choices, to talk about democratizing financial planning, having a long-term view of planning, and more.
Read MoreSummary:
In this 104th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Scott Hawksworth, Sales and Marketing Director at Soar Payments. Soar Payments is a company that focuses on providing payment solutions to higher risk businesses in the United States. Scott Hawkswork explains chargebacks, examples of high-risk businesses that banks tend to have trouble with, and the value that Soar Payments offers to its clients.
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