Shows
The Small Change Big Gains PodcastEpisode 69- Downsizing your home? Things to know & considerThings to know before downsizing your home. Downsizing your home to save money and simplify your life? This podcast is for you....Things you wish you'd known before downsizing. - it will probably cost you more than you anticipated- you may need new furniture, new art, and there may be fees that you haven't considered? -you may not get the location you always wanted-plan as early as possible- 5 years before pulling the trigger is ideal -speak to a professional or advisor when thinking about downsizing 2025-07-2024 minThe Small Change Big Gains PodcastEpisode 68- What To Do If You Win $50 Million!Do not go buy a Lambo first thing...2025-06-2225 minThe Small Change Big Gains PodcastEpisode 67- Mad Money! What to do with your MONEY when you're madDon't let market chaos or political drama derail your investments! Learn why staying calm and thinking long-term is key to financial success in volatile times. Tune in for expert tips to keep your money rational and thrive! šš” #investingtips #podcast#marketvolatility#staycalm2025-06-0116 minThe Small Change Big Gains PodcastEpisode 66- Here is why you're retiring wrong. Retirement regrets no one is talking aboutSean, Amy, & Jalal discuss why many of us are not happy in our so-called "golden years" & what the top regrets are for retirees: 1) Not structuring your money to make you more money2) Not having a supportive social circle 3) Forgetting to dream 4) Retiring too early 5) Not keeping up with your hobbies They also discuss why the thought of going to the beach everyday, or travelling all the time, or spending our days golfing is not realistic and can get boring VERY fast. We're still human and we still...2025-05-2626 minThe Small Change Big Gains PodcastEpisode 65- What is happening in the stock market- Quick chat with our CIO, Martin Lefebvreš¢Ā Had a great chat with Martin Lefebvre, Chief Investment Officer of National Bank Investments here at National Bank of Canada about the current market environment and what it means for Canadian investors and the public. Amongst the many things we discussed, we focused on questions that many of us are asking š§ 1ļøā£Ā Given the economic and political environment in the US, how do you see things playing out for Canadian investors šØš¦š? 2ļøā£How can investors be proactive in navigating the market turbulence we've seen in the last few weeks and in the coming weeksš”? Spoiler Alertā¦his words of...2025-04-2723 minThe Small Change Big Gains PodcastEpisode 64- How to set up your corporate structure and when to use a family trust?Are trusts and family trusts beneficial? What are the different corporate structures? Let's Dig In...We all love tax right? RIGHT???š”Easily one of my favourite recordings to date. Along with Jalal Midani & Ali Spinner of Crowe Soberman, I had a great discussion on the importance of correctly setting up a corporate structure if you're a business owner. However you choose, it will have a profound impact on your tax obligations, operational efficiency, and overall successš. We learned a TON š§ . Key takeaways were šļø: - As a business owner, ask yourself, did...2025-03-1135 minThe Small Change Big Gains PodcastEpisode 63- What are the Benefits of a cohabitation agreement and do you need one?.2025-03-0328 minThe Small Change Big Gains PodcastEpisode 62- What to do as an investor about the Canadian Tariffs?On this episode of Small Change Big Gains, we're diving into President Trump's proposed tariffs on Canada and what it means for investors. Tune in now for the breakdown šļøš2025-02-0420 minThe Small Change Big Gains PodcastEpisode 61- What is SR&ED? How to access it? And How to use it?Our latest episode with Naren Balakrishnan at Doane Grant Thornton LLC talks about the SR&ED (Scientific Research and Experimental Development) program- highlighting key points business owners will find helpful! šThere have been some recent updates to the program- did you know that capital expenditures are now eligible again? š šļøKey takeaways:1ļøā£If you are working on a problem in which there is no obvious solution, it's probably SR&ED eligible. 2ļøā£It's not just for tech or startups; even very large established non-tech companies in Canada benefit from SR&ED.3ļøā£Tho...2025-02-0231 minThe Small Change Big Gains PodcastEpisode 60- What is a cohabitation agreement? When to use it? Who needs it?No one gets into their car anticipating a car accidentā¦.yet we still buy insurance to protect ourselvesā¦and to obey the law ofcourse :D No one moves in with their partner anticipating a break-upā¦.(almost no one)ā¦..so why don't we talk about financial protection enough? A fantastic discussion with Alex and Jalal on the importance of cohabitation agreements. š” If you're thinking about moving in with your partner, a cohabitation agreement is key to ensuring both parties are protected.2025-01-2626 minThe Small Change Big Gains PodcastEpisode 59- How To Keep Your Inheritors Happy15M Canadians do not have a will. Estate planning isnāt just about passing on wealthāitās about preserving your familyās legacy and avoiding costly disputes. In this episode, we dive into why itās crucial to plan your estate well in advance to ensure happy inheritors and a smooth transition of assets.Learn how proactive planning can keep your family out of court, reduce litigation costs, and strengthen family bonds for generations to come. Whether youāre just starting or refining your estate strategy, this conversation offers valuable insights to protect what matters most.2025-01-1922 minThe Small Change Big Gains PodcastEpisode 58- New Year updates & what's coming in #2025In this special New Yearās episode, we kick off 2025 with a look at what Canadians can expect in the year ahead. From economic updates to key trends and insights, we cover everything you need to know to start the year informed and inspired.Donāt forget to like, subscribe, and let us know your thoughts in the comments below. Hereās to a fantastic 2025! š#HappyNewYear #Podcast2025-01-1208 minThe Small Change Big Gains PodcastEpisode 57-When to talk about senior care with your parents & loved ones!šThe holidays are a great time for fun & laughterā¦ā¦Itās also a great time for paying close attention to our aging loved ones during our visitsā¦. š
āØItās a unique opportunity to listen, observe, and ensure their well beingā¦. š©ŗBeyond the laughter, joy, & shared mealsā¦- šµļøāāļøPay close attention to changes in diet, hygiene, social interactions, and mental health - š¬Recognize these clues, and start a semi-structured conversation maybe a little down the road- ā¤ļøApproach any dialogue with empathy and understanding- that can make all the difference. The goal is to...2024-12-1730 minThe Small Change Big Gains PodcastEpisode 56- Last Minute Holiday Gifts 2024 #holidayseason #holidaysš Annual Holiday Episode Alert! šIt's that time of year againāour 2024 edition of "Last Minute Gifts for the Holidays" is here! Let's show some love to local and small Canadian businesses this season. We've curated a list of our top picks and shared a bit about what makes each one special.#SupportLocal #ShopSmall #CanadianBusinesses #HolidayGifts #2024Holidays2024-12-0820 minThe Small Change Big Gains PodcastEpisode 55- Sell At The Top- When is the best time to sell your business? With April HarbottleWhen is a good time to sell your business? šThat is the million-dollar question (no pun intended) š§Jalal and I recently sat with April Harbottle of Transition Architects to discuss M&A trends and high-level points regarding selling a business. The chat was as fun and engaging as it was insightful š¤Æ. Our top 3 takeaways: 1- The best time to sell is when things are going well š„. Not when things are bad. If you see negatives coming, chances are a buyer does too. 2- Sales numbers are great. But keep your eyes on...2024-11-1621 minThe Small Change Big Gains PodcastEpisode 54- What Sectors Innovate? With Manish Goyal, Portfolio Manager at JP MorganIs innovation found in other sectors apart from tech? Admittedly, I was guilty of correlating innovation to just the tech sector- it certainly seems that way sometimes. But I recently learned that innovation isnāt just in tech. In our latest episode, Jalal and I had the fortune of chatting with Manish Goyal of JP Morgan and exploring how innovation is just as solid and thriving beyond the tech sector. Our top 3 take-aways from the discussion: 1) Look beyond tech- disruptive and game-changing initiatives are happening in healthcare, finance, industrials, and others. ...2024-11-1125 minThe Small Change Big Gains PodcastEpisode 53- How to get a bank to finance game development? With Matthew PersramWith MIGS 2024 right around the corner, we brought back Matthew Persram of the Creative Industries Group here at NB to talk about what it takes for a game studio to get a bank onboard to finance a game development or project. For some fun, we dived deeper, talking about issues in the gaming industry including the impact of monetization and gambling elements in games and issues surrounding the shift to digital content/games over physical formats. Specifically, we talk about what it means to "buy a game" in the online stores. Do you really own the game? 2024-10-2822 minThe Small Change Big Gains PodcastEpisode 52- What are the types of senior care, and how can our loved ones live their best life?Jalal Midani and I had another insightful discussion with Corey Obermeyer, President of HomeInstead, about senior care, addressing some common misconceptions and gaining valuable insight from an industry leader.Here are the highlights of the chat:š” Start thinking about senior care early: Planning ahead ensures you can make thoughtful decisions about your loved ones' future well-being.šŖ Exercise is key to aging well: Physical activity promotes strength, mobility, and overall health, helping seniors maintain their independence longer.š„ Companionship matters: Social connections are just as important as physical care. Meaningful relationships can boost mental he...2024-10-2022 minThe Small Change Big Gains PodcastEpisode 51- What to Know Before Selling Your Business to Family Members- With Dr. Thomas W. DeansOverly thrilled and proud to have recorded this episode- business owners will find it intriguing.Sean Durkin and I chatted with Dr. Thomas W. Deans, best-selling author of "Every Familyās Business," on key considerations & questions when planning to sell your business to family members.Business succession is often complex, and the best transitions happen with long-term discussions and planning.If you own or are part of a family-run business, this oneās for you!!#BusinessSuccession #FamilyBusiness #Podcast #WealthManagement #SuccessionPlanning2024-09-0920 minThe Small Change Big Gains PodcastEpisode 50- What we're excited about at TIFF 2024 with Matthew Persram.2024-09-0516 minThe Small Change Big Gains PodcastEpisode 49- The Value of a Financial Plan. What should a Financial Plan look like? Featuring Bryan Monchamp.The ā90s called- and they want their spreadsheets back. At NB, weāre pioneering new ways of making financial plans more visual, understandable, and relatable. One that answers the question that buzzes in our heads- AM I OK?Not pages upon pages of graphs and numbers that get stared at confusingly before getting stored or thrown away.Having a clear and realistic plan for your finances can help you achieve your personal and professional goals faster and easier. A plan should be concise with a clear depiction of your āgoal-postsā. It should easily be able to tell...2024-08-2525 minThe Small Change Big Gains PodcastEpisode 48- All Bets on Her- Featuring Tania D'Iorio of National Bank FinancialIn our latest All Bets on Her Podcast, weāre thrilled to feature National Bank Financialās Tania where she delved into her financial journey.Tania shared her excitement about the pivotal decisions sheās made in her life regarding finances, and the proactive steps she took that she is most grateful for.Key highlights from the conversation:Embracing Early Action- She was particularly fond of taking charge early on to get a head start towards financial independence.Empowering Community- supporting other women in achieving financial independence by encouraging each other to tak...2024-08-0525 minThe Small Change Big Gains PodcastEpisode 47- What are Structured Products and How They Can Add Value To Your Portfolio.2024-05-2928 minThe Small Change Big Gains PodcastEpisode 46- Long-Term-Care, Retirement Home, At-Home Care- Your Options and the True CostsJalal Midani & I had an insightful chat with Corey Obermayer, President at HomeInstead, about the various options available for elder careālong-term care, retirement homes, and at-home care. Corey provided invaluable tips on how to approach this sensitive topic with elderly parents, ensuring that their needs and preferences are at the forefront of the conversation.One thing we absolutely loved is the 40/70 Rule, where if you're in your 40s, chances are your parents are in their 70s, and this topic might be worth bringing up. Whether you're just beginning to explore these options or are in...2024-05-2027 minThe Small Change Big Gains PodcastEpisode 45- 2024 Global & Political Chat with Angelo Katsoras, Geopolitical AnalystIn this episode, Sean and Jalal sit with Angelo Katsoras, Geopolitical Analyst at National Bank Financial, to discuss global tensions and issues pertaining to the modern investor. The dialogue was fabulous and enlightening. We delved into the Russia-Ukraine War, Israel-Hamas conflict, global electrification efforts, and China-Taiwan-US tensions. Now things may seem bleak, globally. But Angelo did a great job in detailing out a series of advantages and strengths that both Canada and the U.S. possess in their arsenal, setting them apart from other regions globally.2024-05-0837 minThe Small Change Big Gains Podcast2024 Budget- Quick Explanatory Video.2024-04-1911 min
The Small Change Big Gains PodcastEpisode 44- All Bets on Her- Featuring Katie Tabesh, Managing Director, NBFNational Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). The information contained herein has been prepared by Amy Dietz, a Wealth Advisor at NBF. The opinions expressed do not necessarily reflect those of...2024-04-1628 minThe Small Change Big Gains PodcastEpisode 43- Philantra II- What is a donor-advised fund? Top 5 QuestionsNational Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). The information contained herein has been prepared by...2024-03-2626 minThe Small Change Big Gains PodcastLa vision intĆ©grĆ©e de Philantra - Une introduction par la FBNNational Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). The information contained herein has been prepared by...2024-03-2604 minThe Small Change Big Gains PodcastEpisode 42- What is a bare trust? And does it apply to you?NBF is not a tax advisor and clients should seek professional advice on tax-related matters, including their personal situation. Please note that comments included in this letter are for information purposes only and are not intended to provide legal, tax or accounting advice. The comments reflect the opinion of their author only and may not reflect the views of NBF.National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is...2024-03-2125 minThe Small Change Big Gains PodcastEpisode 41- All Bets on Her- Featuring Jennifer Steckel ElliotāThe rainy days do comeāCheck out Lagom Collections: https://lagomcollections.com/Jalal Midani and I had the wonderful opportunity to engage in a discussion with Jennifer Steckel Elliott for our new series, ALL Bets on HER. During the episode, Jennifer imparted valuable financial and life insights drawn from her journey.Jennifer discovered that a key to achieving success in financial and life choices is the effective communication and clear expression of oneās principles and values, whether it be with a spouse, offspring, coworkers, or others.Her transition from a thrivi...2024-03-1231 minThe Small Change Big Gains PodcastEpisode 40- The Usefulness of ETFs, featuring Tiffany Zhang, Vice-President at National Bank.2024-02-2721 minThe Small Change Big Gains PodcastEpisode 39- The Young Women Student Mentorship program at National Bank FinancialAt National Bank Financial, the Young Women Student Mentorship Program is a passion for us. This program is designed to help young women students enter the financial industry and learn more about the different roles in wealth management with the goal of having more women in the industry. Over the years, the program has evolved and grown across Canada and our partnerships have grown to be with more than 42 universities from coast to coast. Learn more about our Young Women Student Mentorship Program at: Finding your way as a female investment...2024-02-0609 minThe Small Change Big Gains PodcastEpisode 38- Our President, Jonathan Durocher, on the future of Wealth ManagementWe were joined by Jonathan Durocher where we spoke about the future of the advisor-client relationship and how National Bank is carving new avenues to move from being the best-kept-secret to a more dominant player in banking and wealth management. Among the many things we spoke about, including AI, Jonathan delved into how the advisor-client relationship is evolving and where he sees it in the next 5-10 years. As an advisor, having access to a wider variety of data will increase client satisfaction because clients are coming to their advisor for a wide spectrum of non-financial inquiries. 2024-01-1523 minThe Small Change Big Gains PodcastEpisode 37- Best & Worst Holiday Movies.2023-12-1910 minThe Small Change Big Gains PodcastEpisode 36- 2023 Holiday Gifts- Suggestions for that Last Minute Holiday ShoppingItās that time of year where weāre all brainstorming hard and rushing to get those last-minute holiday presents and stocking stuffers.To help with some ideas, our yearly Holiday Gifts is now out for 2023!! Sean, Jalal, and I, rounded up our top picks for this holiday season. All items are Canadian, supporting Canadian companies and individuals: Ā Ā For those that love books, pets, and art:-Ā Ā Ā Ā Ā Ā Ā Golden Love- J. B. Simon--Ā Ā Ā Ā Ā Ā Ā A Life Well Danced- Jane Gall Spooner-Want to get a young adult more interested in saving money and fin...2023-12-1814 minThe Small Change Big Gains PodcastEpisode 35- A Tribute to Charlie Munger. A Legend Behind the One-Liners. 2023-12-0112 minThe Small Change Big Gains PodcastEpisode 34- Major Contributors to Inflation and the Difference between Core and Headline InflationAs inflation is seemingly coming down in October and November of 2023, what are some factors that contribute to the levels of inflation? What is the difference between headline and core inflation? How can individuals and investors behave in this inflationary period both from an investment perspective, and from a spending perspective? 2023-11-2024 minThe Small Change Big Gains PodcastEpisode 33- The Robustness of the Canadian Banking SystemIs the Canadian financial system in trouble? 2023 marked a significant year for the Canadian banking system. As we witnessed the downfall of a few regional banks down south of the border, many Canadians became concerned about the downfalls rippling through up to Canada. In addition, more concern and questions have been rising in the past few weeks as we hear of a few of the large financial institutions cut employee head count. In order to understand the difference between our banking system and that of our southern neighbor's, we invited Teresa Lesyk, Director...2023-10-2625 minThe Small Change Big Gains PodcastEpisode 32- Education, Inflation, and RESPsAs October rolls over, many parents have most likely just paid their childrenās college education bills (looking at you Sean). And while inflation is the hot topic spoken about in nearly every grocery store, cafĆ©, and news-channel- (I recently was sitting with a friend at a cafĆ© and heard a couple on their first date talking about how the rising cost of groceries made them re-think their dating habits!!) -Ā an interesting fact is that the rising cost of education has drastically outpaced that of inflation and wage-growth.For example, if you became a parent to a new...2023-10-0318 minThe Small Change Big Gains PodcastEpisode 31- TIFF 2023 and the Actor's StrikeLast week, Jalal and I invited Matthew Persram with the Creative Industries team here at National Bank to chat about TIFF and how the actorās strike south of our border ties with this exciting event. In this insightful and engaging discussion, we spoke about what the strike is about and how there needs to be an evolution and modernization of the entertainment operating model to keep up with the changes of our times- specifically regarding the rise of subscription-based services. We finished off by chatting about what weāre looking forward to at TIFF and...2023-09-1219 minThe Small Change Big Gains PodcastEpisode 30- The 5 C's of Credit with Jonathan Khan of National Bank FinancialCorporate clients have been finding the new lending territory difficult to traverse. A recent survey has shown that a whopping 79% of large banksā senior loan officers stated that their banks have tightened credit underwriting standards for commercial & industrial loans so far in 2023 and in 2H22.Jalal Midani and I invited Jonathan Khan with the National Client Group back again to sit with us and share his expertise pertaining to the 5 Cās of credit and how Canadian businesses are being affected by corporate lending in 2023. In a nutshell, the 5 Cās are:CapacityCapital CollateralCharacterConditions 2023-07-2419 minThe Small Change Big Gains PodcastEpisode 29- A Chat on National Bank's Philantra FoundationNational Bank's Philantra Foundation was founded to help individuals and businesses do philanthropic work in a way that is meaningful to them. Philanthropy plays an essential role in society and ensures the general well-being of the community in many business sectors. Whatever your philanthropic goal, the Philantra Foundation will help you incorporate it into your overall financial, fiscal, and estate planning.The Philantra Foundationās vision is to make philanthropy accessible, simple, and beneficial for all:By helping donors support long-term causes close to their hearts By supporting charities achieve their charitable goals By ad...2023-06-1918 minThe Small Change Big Gains PodcastEpisode 28- How National Bank supports Canadian Creative IndustriesJalal and I had the pleasure of sitting with Matthew Persram to discuss Canadian creative industries and the unique role that National Bank plays in this space.From movies to T.V. shows to paintings to video game development, there is an experience that is uniquely Canadian. And we at National Bank of Canada and National Bank Financial are proud to be a part of the process in giving a voice to Canadian communities and producers to showcase our great Canadian culture, landscape, and talent. Ā Here are a few ways that National Bank is helping i...2023-06-1318 minThe Small Change Big Gains PodcastEpisode 27- Why should Entrepreneurs and Business Owners Hire a Financial Advisor?The Difficulties, Life, and Pleasure of an Entrepreneur!!Advisors can deliver value specifically tailored for entrepreneurs and their businesses to make sure all the strings are pulling in the same direction. As āentrepreneursā ourselves, we at National Bank Financial have a passion for creating a customized financial ecosystem to ensure that your personal and business finances are working together to meet your goals. Here are the top 4 ways we can add value to a business owner: 1) Longevity of relations2) Access- a greater variety of custom investment options 3) Integration- an ecos...2023-04-3022 minThe Small Change Big Gains PodcastEpisode 26- Play Ball! How Baseball is a lot Like LifeBaseball is a lot like life. And in our context, it's a lot like investing. Even the best ranked teams could lose to the worst ranked teams in any given game. Similarly, even the best portfolios could have negative days. Generally, no one game determines the fate of the team- losing one game does not equate to the end of the world. Investing is similar in that if a portfolio is properly diversified, one holding does not determine the outcome of the entire portfolio. In baseball, you could make all the right choices and still...2023-04-1725 minThe Small Change Big Gains PodcastEpisode 25- Growing My Team. Your 4 Step Process to Successful Recruiting, Hiring, and Continuous ImprovementIf you're looking to grow your team, here is a 4-step toolkit to enhance the impact of growing and managing your team.Step 1) Identify the BUSINESS NEEDStep 2) Establish the ROLE NEEDStep 3) ATTRACT the ideal candidate and LEAD the interviewStep 4) Onboarding, INTEGRATION, and continuous improvement2023-04-0320 minThe Small Change Big Gains PodcastEpisode 24- What's the Fuss about SVB?What is SVB? What happened with SVB? And is it indicative of a deep financial crisis like that of 2008? What protections are there for Canadians in the event of a bank collapse? In this episode, Amy and Sean explain what happened with SVB and whether or not its collapse affects Canadians in general. Tune in to also find out what protections there are for Canadians in the case of an insolvent bank. 2023-03-1619 minThe Small Change Big Gains PodcastEpisode 23- How to Hire a Good AccountantWhat qualities do you look for in an accountant? Filing taxes can be one of the most nerve-racking responsibilities of the year. The more complex your situation is, the more nerves can fire.BUUUTTT- working with a diligent accountant, can relieve MUCH of the stress.Wealth Advisors get asked a lot as to what to look for when hiring an accountant. Or the infamous, āDo you know a good accountant?āThe answer is subjective because everyoneās situation, needs, and wants, may be a little different. When vetting an accountant here are so...2023-03-0724 minThe Small Change Big Gains PodcastEpisode 22- Psychology of Money by Morgan Housel- Book ReviewTo kick off our book review series, we chose Morgan Housel's, Psychology of Money, first released in 2020. An excellent read, Housel's work is short yet full of insight. Rather than talking about the technicalities of investing, Housel instead introduces a narrative element to each principle in order to show that success in investing is dependent on the psychology of the individual more than the numerical foundations/details of the market or of specific investments. For those not interested in reading about money or financial growth, you may still find Housel's principles and rules important and...2023-02-2023 minThe Small Change Big Gains PodcastEpisode 21- Lean, Mean, & Efficient- Optimizing Working Capital with Jonathan KhanBusinesses in 2023 will be facing much turbulence. Credit is contracting and inflation is high. They will be forced to optimize their structure to be more efficient. In order to leverage opportunities and effectively grow, businesses may want to look into optimizing their working capital or cash flow. Amy sat down with Jonathan Khan, Relationship Director with the National Client Group, to get some details on how optimizing cash flow can aid a business in becoming leaner and more efficient. 2023-02-0723 minThe Small Change Big Gains PodcastEpisode 20- 2023, Show Us Love2022 was full of surprises and, frankly, nerve racking experiences. As for 2023, while some analysts are optimistic about the markets, others are not. So, in response to concerns regarding how 2023 is going to look like, Amy & Sean sit to give their thoughts about how 2023 may shape up to look like and share what other firms are speculating for the year ahead. 2023-01-1826 minThe Small Change Big Gains PodcastEpisode 19- Reflections through The Rear View.2023-01-1121 minThe Small Change Big Gains PodcastTimeless Wealth 2022 Holiday Special- Timeless Gifts'Tis the Season! The holidays are a "timeless time" (pun intended:) to give back and support local. From supporting your local cafe or brewery to the local candle maker to the Canadian author, it's the season for joy and community. In this 2022 holiday special, Amy and Sean thought it would be a clever idea to share some local and unique gift-giving ideas for the holidays! Tune in and you be the judge!! We hope you enjoy the show:) Gift Ideas in the episode: Kids Books:www.amooseinamapletree.com2022-12-1918 minThe Small Change Big Gains PodcastTimeless Wealth 2022 Holiday Special- Let it Snow!It's all fun and games until the truth and "fibs" start getting clever! In this 2022 holiday special, Sean and Amy thought to test each other on who knows the other better. The game is "Two Truths and a Lie". If you're a pro at never have I ever, you gotta try it.If you're thinking about what to play with your friends and family over the holidays with some drinks in hand by the fireplace- give this game a shot. It's a ton of fun. Up the stakes and maybe the loser of each guess...2022-12-1922 minThe Small Change Big Gains PodcastEpisode 16- Find Your Retirement Purpose.2022-12-1323 minThe Small Change Big Gains PodcastEpisode 15- No One Pays for the Business in Your Head- with Alex ParkerIf you're a business owner thinking of selling one day, you gotta listen to this. A lot of times, some parts of the business may be in your head. Perhaps it's that "special recipe" you use for your main dish in your restaurant. Or it's some special supplier for the oil you use for your bearings when manufacturing machinery. If you are looking to selling the business one day, these things need to be jotted down and documented for the buyer. In other words- no one pays for the secret moving parts that you keep...2022-11-2422 minThe Small Change Big Gains PodcastEpisode 14- Sassy, Teenagers, and The Cash- Part II think we all LOVE teenagers, RIGHT? What's not to love. We can all agree that āTHEYāRE THE BESTā! That āI know it allā attitude is ācharmingā.That being said, it can prove challenging to teach them about money (anything for that matter)- especially when they want to be buying $400 shoes. In this episode, Amy and Sean give some insight on how to approach your teenage children with the money topic and what to keep in mind when trying to pass on certain values and habits. 2022-11-1317 minThe Small Change Big Gains PodcastEpisode 13- The Hunt for Red OctoberIf you were betting on October '22 to drag the markets even lower than September, then you'd be disappointed. Markets gained this time around. Historically, October has been a bad month for markets. But in 2022- of the approx. 70 percent of the companies on the S&P 500 that reported earnings, nearly 72% of those beat analyst estimates. More companies increased dividends and share buyback was also on the rise. The month certainly disappointed analysts, but rewarded investors (at least just a bit).2022-11-0625 minThe Small Change Big Gains PodcastEpisode 12- All About the IncomeIf you were told you can get paid to own shares in a company, while keeping all the gains from the shares, would you believe it? Welcome to the world of 'dividends'. Not only will select dividend-paying shares increase in share price (over time), but the dividend income derived from these shares have historically nearly always outpaced inflation- and by a long shot. Incorporating dividend-paying investments in a portfolio is an excellent strategy to solidify its strength. You can also compound the growth by turning the income around and automatically reinvesting it! 2022-10-2424 minThe Small Change Big Gains PodcastEpisode 11- A Chat about FraudWe've perhaps all received those phone calls alleging we are in trouble with the CRA or that Immigration Canada wants to deport us. As the world gets complex and sophisticated, fraudsters up their game. No- the prince of Nigeria is not trying to reach you. In this episode, Amy and Sean sit with Teresa Lesyk, Director and Head of Cash Management, to discuss, first, the different ways fraudsters have come up with to try and trick individuals, and second, what you can do to stay safe and not fall victim to the various schemes. 2022-10-1723 minThe Small Change Big Gains PodcastEpisode 10- Engineering your Financial SuccessEver wonder if engineers make great investors? Did you know engineering and investing share some overlapping attributes, while simultaneously butting heads in key areas? Amy sits down with Ontario Society of Professional Engineers' very own Jerome James to answer some crucial questions regarding engineers and the investment world. 2022-10-0515 minThe Small Change Big Gains PodcastThe Global, The Macro, & The Money- Durkin Dietz LIVE Event with Angelo KatsorasIn this LIVE Event, we invited National Bank's geopolitical analyst, Angelo Katsoras to give us deeper insight into major global and market-influencing events including the Russia-Ukraine war, Europe's energy crisis, and the global transition into green energy. His conclusion? That these are very challenging times- times that demand reanalysis and re-strategizing.2022-10-0344 minThe Small Change Big Gains PodcastEpisode 9- Emergency Insights- September-End RemarksIn response to the lows of September, and more top economists arguing for the heightened probability of a recession in '22/'23, Sean and Amy thought it would be a good idea to sit down and discuss a few things. Why are the markets behaving the way they are? What would a recession in '22 or '23 look like? What can investors and individuals in general do to leverage and take advantage of a possible recession? 2022-09-2828 minThe Small Change Big Gains PodcastEpisode 8- Talk Money with your KidsAmy and Sean take money even deeper by relating it those tiny humans that keep parents awake (literally and metaphorically) at night. Yes, weāre talking about KIDS. From swear jars to gummy bears and treats, there are a few ways to embed ādisciplineā in your children so that the concept of ācurrencyā becomes a consideration in their life afterwards, increasing their chance and intelligence to attain financial success.2022-09-2711 minThe Small Change Big Gains PodcastEpisode 7- 3 Secrets to Successful Investing- Part IIIFiiiiiiinally- the moment we've ALL been waiting for. Sean and Amy set out to discuss the 3rd secret to successful investing- WEALTH TRANSFER. In the final episode of the series 3 Secrets to Successful Investing, we talk about how wealth transfer builds on the first 2 secrets to become a crucial factor for successful investing. 2022-09-1316 minThe Small Change Big Gains PodcastLet's Talk Inflation- LIVE Event August 17, 2022How does the BoC measure inflation. What is a "basket" and does it have easter eggs or goodies? How does inflation affect the stock market? AND FINALLY....ARE WE HEADED INTO A RECESSION, IF WE'RE NOT ALREADY IN ONE". In this live event, Amy and Sean seek to answer the burning questions we all have regarding inflation, the lag of inflationary numbers, and any relations to the equity markets. 2022-08-2327 minThe Small Change Big Gains PodcastEpisode 5- 3 Secrets to Successful Investing- Part IIIn the second of three episodes Sean and Amy discuss the second "secret" to successful investing- TIME. Much easier said than done, a characteristic of successful investors is giving yourself, your portfolio, and your investments, time to develop to grow. Start early, stay invested, and don't forget why you started investing in the first place. Stay on track, and don't lose sight. 2022-07-1139 minThe Small Change Big Gains PodcastEpisode 6- Let's Talk MortgagesWith interest rates rising, should you be getting a variable rate or fixed rate mortgage. What determines the rate of the two types? Should you be using your cash to pay down debt or take advantage of the market right now? Side-stepping a little away from investments, Amy and Sean seek to answer questions they've been getting regarding mortgages and paying down debt in light of anticipated interest rate hikes. 2022-07-1119 minThe Small Change Big Gains PodcastHere we go again- LIVE Event June 22, 2022In our first ever LIVE Event, Sean and Amy sat down to answer questions and provide insight and thoughts regarding interest rate hikes amidst extreme market volatility, market uncertainty, and decades-high inflation. 2022-06-2724 minThe Small Change Big Gains PodcastEpisode 4- A Thought on ExpectationsIn this episode, Sean and Amy talk about expectations of investing. Financial planners and investment advisors always get asked "What return will you provide for me"? The idea here is that absolute dollar and percentage returns are not the only way to measure returns on investments- and in some cases, they may not be the healthiest standard either. Listen in to get the full rationale. 2022-06-0835 minThe Small Change Big Gains PodcastEpisode 3- Adapting Businesses to a scarier futureIn this episode, Amy and Sean speak about the unique obstacles facing businesses in post-Covid times. Businesses and their executives need to learn to adapt to a riskier future by pro-actively planning and strategizing for the inevitable societal and global problems of the future. In other words, the ingenuity of executives and, more broadly, of humans, will be put to the test. 2022-06-0225 minThe Small Change Big Gains PodcastEpisode 2- 3 Secrets to Successful Investing- Part IIn this first of three episodes, Sean and Amy share their first "secret" to successful investing- namely, buying when an apocalypse seems to be in the air and everyone is selling. Listen in to hear about strategies and thoughts about this secret that investors such as Warren Buffet and Charlie Munger swear by. 2022-04-0120 minThe Small Change Big Gains PodcastIntroducing Timeless Wealth with Durkin DietzAn introduction to the Timeless Wealth Podcast. 2022-03-0244 min