Alain Guillot Show

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http://www.alainguillot.com/randy-cass/ Randy Cass is the CEO and founder of Nest Wealth, Canada's #1 robo-advisor. I am a do-it-yourself kind of investor, but if a family member or a friend asks me who could help them with their investments, I would not hesitate to recommend Randy Cass and his firm Nest Wealth. A robo-advisor is a firm which provides financial advice or investment management service online, performed by software algorithms to reduce cost and to reduce the input of human's emotions which could be detrimental to one's portfolio. A robo-advisor automatically allocates, manage and optimize clients' assets with zero human intervention. Nest Wealth is based out of Toronto, with a team of about 45 people. Randy had about 25-years experience in the financial service industry. He went to law school only to discover, after graduation, that he didn't want to be a lawyer. While working in law, he started an investment club, where they invested in penny stocks. He lost money most of the time. I discovered that penny stocks were not the best way to get rich One of the worst thing that could happen to you is to buy penny stocks when you are young and it goes well. Canadians only had three choices when it comes to investing Do it yourself, but the vast majority of Canadians don't want to do that. Full-service advisor, but some firm are not willing to service Canadians unless they have a minimum of one million dollars in assets. High expense ratio mutual funds sold by the major banks and the majority of commission-based financial advisors. Robo-advisor is the other option How about all the stuff that all the high net-worth individuals get A relationship with portfolio managers A customized portfolio A sophisticated asset mix A fiduciary relationship Nest Wealth can offer a better value proposition because it doesn't have all the legacy cost of: Huge office in downtown Toronto, A team MBA, CFA stock analysts, Huge marketing expenses, Trailer fees of 1% payable to the adviser for keeping the account current Fee structure of Nest Wealth Nest Wealth have some of the lowest fees in the country? Starting from as low as $20 a month, Nest Wealth offers a professionally managed portfolio with no account minimums. Under 75K, $20 per month 75K to Under 150K, $40 per month 150K & Above, $80 per month Your portfolio under commission based "Free advice" Let's imagine a 1 million portfolio with commission based mutual funds. At 2.5$ management fee that would be $25,000 (Free is very expensive). The same $1,000,000 portfolio managed by a financial adviser who charges 1% of assets. That would be $10,000 The same $1,000,000 portfolio managed by Nest Wealth. That would be only $960. And it's always the same cost, whether it's one million or 10 million, the cost is always $960. Nest Wealth client demographics 47 years old $175,000 of assets
http://www.alainguillot.com/terrie-schauer/  Terrie is a real estate investor and property manager which has a passion for residential rental properties. She's been working to make small- and medium-sized investment properties profitable for twenty years, in Canada's major markets (Toronto, Vancouver and now Montreal) as well as in Marseille, France. For Terrie, investing in real estate is not just about the money, it's about financial freedom as a way of life. This is what inspires Terrie to manage properties for others, and to - more recently - build real estate coaching programs for investors who want more time and more freedom. Terrie speaks regularly about landlording for-profit and peace of mind and she is also an author, she wrote the book: Mindful Landlord. Terrie is also a competitive fighter. She practices Jiu-Jitsu and competes regularly. "If you are tying your financial future to the amount of hours you will have to work, you will end up loosing out at the end." Where to find Terrie TerrieSchauer.com LinkedIn
J. Money is the person behind the successful blog Budgets are Sexy. We explore the world of personal finance blogging and we discuss how the listeners can improve their personal finance lives. 
http://www.alainguillot.com/dominick-quartuccio/ Dominick Quartuccio is a mentor, speaker, trainer, and author dedicated to supporting others to be better versions of themselves. His passion is to help people design a future they can’t wait to live into In this episode we speak about his book Design Your Future: 3 Simple Steps to Stop Drifting and Take Command of Your Life. He helps successful, stressed and incredibly busy professionals take command of their habits, time, energy, focus, and execution so they can raise their performance in business and all aspects of their day-to-day lives.  
http://www.alainguillot.com/doug-nordman/ I have been listening to different podcasts for about 10 years now. I remember, long time ago, I heard an amazing story ( I will retell it now) about a retired submarine pilot and how he was financially independent after his 20 years of service. Little did I know that one day, I would interview Doug Nordman creator of the blog The Military Guide. Conversation with Dough Nordman, the Military Guide. Dough retired at age 41 (in 2002), after 20 years with the U.S. Navy’s submarine force. After retirement from active duty, Dough assumed that he would need to find a “real” job, like everybody else. After a few years of research Dough realized that his portfolio income, and his pension, would be enough to replace his military salary. He wouldn’t be rich but we would be financially independent. Throughout the years Dough and his wife have always lived a frugal life. In his journey to learning about investments, Dough made the usual financial mistakes. He invested in individual stocks, he bought actively managed mutual funds with high expense ratios, but the more he learned, the wiser he got. Now, his portfolio is composed mostly passive investment in low-cost index funds. As Dough learned these lessons, he wanted to share this knowledge. A few years of planning, budgeting, saving, and investing could make all the difference between leaving the military for a civilian career or retirement. He wanted to empower other service men and woman with this knowledge. With the help of the community of Early-Retirement.org, Dough wrote the book The Military Guide to help military men and woman have a better financial future. All the proceeds of the books go towards several charity organizations. So far, over $15,000 have been donated. The book was inspired by another member of the Early-Retirement.org community who wrote a book called Work Less, Live More. The charities to which the funds are being given right now are Wounder Warrior Project and The Fisher House Foundation. Other books mentioned: Your Money or Your Life by Vicky Robin, The Millionaire Next Door, Are You a Stock or a Bond? On 2002 Dough discovered low fee index ETFs. With this kind of investment strategy, Dough was able to get 99% of the market return with only 1% of the effort. Big insider secret: If you read the first six months of the content of the website, you will have most of the content of the book. Dough started the blog in order to build a platform to promote the book. Dough is an active contributor to the Mr. Money Mustache forum. Dough's portfolio is 100% in stocks. He has a secured pension which acts like a bond and he can afford to take lost of risk in his equity portfolio. Recommended website: Fincon. Recommended podcasts: Afford Anything, Chose FI, Beyond the Uniform.
http://www.alainguillot.com/larry-bates/ Larry spent over 35 years in the investment banking business. At the end of his career, Larry became concerned with the fees the banking industry was charging regular Canadians, stripping away most of the gains they could have received from their investments. After leaving the banking industry, Larry decided to become an investor advocate and help Canadian investors get better returns for their money, so he wrote the book "Beat The Bank."
http://www.alainguillot.com/samantha-shorkey-vegan/ Samantha Shorkey is a vegan fitness passionated who promotes a plant-based diet to the masses! She's a certified personal trainer and a certified Weight Management Specialist. In her first ever fitness competition she won first place and then she got a professional card from the World National Bodybuilding Federation. By doing this, Samatha disprove the myth (as a few others have) that people need animal protein in order to build muscle. Finally, Samantha also has a podcast about fitness and veganism. In this episode, we also enjoy the company of my business partner Cheryl Williams who is also vegan.
http://www.alainguillot.com/why-is-america-so-divided/ The book is a family memoir about political polarization in the United States. He draws on his personal story of growing up as a fundamentalist Christian on a dairy farm in rural Ohio, then as an academic in the heart of the liberal East Coast establishment, Brown University.   On one side of his family, his two sisters are Christians fundamentalists (who love President Trump) on the other side his brother is gay and liberal (who doesn't love trump).   Professor West talks about the era from President Regan to Trump and shares his insights on why the United States became so polarized.   In the United States, people divide themselves based on income, education, personal lifestyle, identity politics. 50% of Republicans would be upset if their kids married a Democrat.   Only 15% of U.S. counties generate 64% of U.S. GDP. Most of the economic activity is happening on the East Coast, in the West Coast, and a few metropolitan areas in between. So, great parts of America have been left behind, they are not profiting from the economic gains, they feel underpaid, and those are the people who ended up voting for Trump.   Social media is also to blame for the polarization in North America. Their algorithms are created in such a way that it feeds you the information that you want to see, and it hides the information that you don't want to see, thus creating a false reality for people who supports any political party or lifestyle.
Jeff Kreisler is a man of many talents. He's an attorney, an author, a speaker, and above all, he's a comedian. In this instance, we spoke about his new book "Dollars and Sense: How We Misthink Money and How to Spend Smarter" which he co-wrote with behavior economist Dr. Dan Ariely. Listen to the podcast.
http://www.alainguillot.com/rona-birenbaum/ ‎ Rona is a certified financial planner. She has been serving the financial needs of Canadians for the past 27 years. When going through university, she needed a job, so she got a job as a bank teller at a credit union, then she shifted to a full-service broker house. While working at the broker house, Rona soon discovered that the job of a financial advisor was to sell products and not necessarily to give financial advice. After that sour discovery, Rona decided to open her own business. On 2000 she opened Caring for Clients and became one of Canada's first fee-for-service financial planners. Over the course of 18 years the business has thrived, now serving over 250 families. Rona is now focused on Vivaplan. She decided that objective, affordable, fee-for-service financial plans needed to be accessible and affordable for all Canadians, not just the wealthier Canadians. For $800 a client gets a plan covering estate planning, asset allocation, and insurance. Vivaplan was created for two reasons: 1. Caring for Clients is operating a full capacity. 2. Most people cannot justify spending a few thousand dollars in a financial plan.
http://www.alainguillot.com/smile-if-you-dare/ In this interview, I talk to an anonymous person. He calls himself "Smile If You Dare." On my effort to get to know other personal finance bloggers, I reached out and I asked Smile If You Dare for an interview. I was pleasantly surprised. Here are the highlights of the interview. Smile If You Dare Interview Highlights Smile If You Dare (From now on "SIYD") wants to share his experience on what is it like to live in retirement and how living in retirement affects his financial life. In his younger years, he never thought about money. Apart from contributing to his 401 (k) and IRA, where he would make contributions, he would spend the rest of his money. He would eat out every week day and on weekends, look for other ways to spend his money. Fortunately, SIYD contributed the maximum limit of his 401 (k) every year. The change in his life came about when he met a woman, fell in love and got married. His perspective on life changed. He started thinking about the future. He realized that he had no savings outside of his tax-deferred accounts. He wanted to buy a house but had no money. He was fortunate that his wife was frugal and between the two of them, they were able to buy a house. Ther realization of not having any savings put SIYD on the path of self-education about money, he started reading books and blogs about money. Over the years, he became interested in better managing his 401 (k). He started focusing on index funds with low managing fees. Out of the subset of index funds, he became even more interested in funds the focused on dividend stocks. Once married, they lived a frugal lifestyle. They continued contributing towards, their registered account, they would pay the mortgage, they would eat at home, and they started increasing their savings. They were gardening, growing some vegetable and fruits. Growing your own food, not only save money, but it is also a great activity, plus, it gives a feeling of accomplishment. Within his abilities, if something breaks in the house, he would repair it himself. SIYD gave a few simple examples of frugality, of preservation of natural resources. SIYC also started investing in individual companies, companies which pay good stable dividends. He would either cash out those dividends or reinvested. He believes that this is the best investment system for him. Dividend investment list put together by David Fish. We spoke about life after retirement and how the blog Smile If You Dare got started. End of the podcast recommendations: Book recommendation: The True Believer: Thoughts on the Nature of Mass Movements. Blog recommendation: The Conservative Income Investor Podcast Recommendation: Dr. Linda Tucker Podcast.
http://www.alainguillot.com/kristin-morrison/ Kristin Morrison was taking college classes while trying to figure out what to do with her life, but nothing was making sense to her at the time. One day (1995) she met a woman who was walking dogs, she was wearing a T-shirt that advertised her dog-walking business. Kristin approached her to ask her questions about her business, and after a few minutes, the woman hired her. Kristin realized that this is what she wanted to do for the rest of her life and three months later started her own business. Kristen didn't just drop everything to start her dog walking business. She started little by little, doing it as a side gig while she was working as a waitress at a restaurant. Little by little Kristin worked fewer hours at the restaurant and more hours walking dogs. Until one day, two years later, she finally let go of her last restaurant shift and jumped full time into the dog walking business. Kristin doesn't recommend quitting your full-time job until your business can support you. 18 years later Kristin sold her business for a seven-figure amount. She decided she was ready to move us. At the time fo the sale, Kristen was working just two days a week. Kristin had many ups and downs during her years as the owner of a dog walking business. At one time she was working 14 hours per day. She didn't know how to manage her time. At a given moment she was ready to sell the business but instead, she found a manager to help her. She learned how to work on her business, not in her business, and it was at that moment that the revenues increased the workload decreased. Today, Kristen is business coach, she teaches people how to run their pet business and she runs The Six-Figure Pet Business Academy where coach other pet business owners on how to best run their businesses. Kristen also hosts the podcast Prosperous Pet Business Podcast.
Joseph Zeppilli is the co-CEO of Bad Monkey Popcorn, a family business that is in the business of making Popcorn. The business is composed of four brothers, all of them with different backgrounds. Joshep: Finance Fabio: Lawyer Brother 3: Photographer Brother 4: Chef How Bad Monkeys was founded They always wanted to work together as a family. One night while eating together, one of them proposed the idea of making popcorn. They were aware that there was no gourmet version in the market, so they decided to put all their skills together and make a gourmet product for the grocery stores. The four brothers, they all were working, but they were not happy with their jobs, they wanted something different, they wanted to work together, so they decided to give it a shot. They bet on themselves. They knew that no one could outwork them. Joseph and Fabio quit their jobs (Finance and Law) and started working full time on the popcorn business. For the first two years, they made no money. There were some days when they doubted themselves and they didn't think they would make it. What's the marketing strategy The marketing plan was to sell the popcorn at all major Montreal festivals. Bad Monkey popcorn is a healthy product. It has zero trans fat, zero sugar, gluten-free, and it's vegan. In addition to the festivals, Joseph and Fabio started knocking on the doors of different small supermarkets. On accepted, then the other one, and then another one. Now Bad Monkeys are in over 7,000 grocery stores and one of their most pressing problems is keeping up with demand. About marketing through social media, Bad Monkey has hired a few so-called "marketing agencies" but they haven't seen great results. All they want to do is spend their money, but they haven't come up with any interesting ideas. Bad Monkey was also aired on the popular TV show Dragons' Den https://youtu.be/LmL4woBHw4Q Bad Monkey operational motto is to: Have the pricing point of Walmart The attitude of Reb Bull And the quality of Starbucks Working with family is a struggle and a blessing. The important part is to be family at home and associates at work and not to mix those two identities. Also, it's very important to have and respect hierarchies at work. The chain of command at work could very well be different from the family hierarchy. At work, it could be normal for the son to give instructions to the father or the mother.
http://www.alainguillot.com/joe-jackman/ Joe Jackman is the CEO of Jackman Reinvents and the author of The Reinventionist Mindset Joe helps companies reinvent themselves. If you don't want to be another Kodak, another Blockbuster, another Sears, Joe is the person who can help you reinvent your company to face the constant challenges of an ever-changing world. Joe Jackman is the Founder & CEO of Jackman Reinvents, the world’s first and foremost reinvention company. An advisor to consumer brands, retailers, B2B companies, and private equity partners for more than thirty years, Jackman has proven invaluable to leaders intent on sharpening strategy and orchestrating insight-led reinventions of their businesses. Throughout his career as a strategist, creative director, marketer, and Reinventionist, he has helped companies create the most powerful and relevant versions of their brands and businesses in record time; he is widely considered to be the leading expert on rapid reinvention.
http://www.alainguillot.com/brian-j-dixon/   Today we have a conversation with Brian J. Dixon, author, speaker, coach, father, and husband.  And we speak about his recently released book called "Start With Your People" about how, by taking care of your people first, you can achieve practically any goal you set your mind to, whether that goal is personal or professional. Brian believes that you were made for a purpose. By clarifying your calling, discovering your audience, and creating your products, you can navigate a clear path to impact and income. Brian helps authors, speakers, and aspiring messengers create a sustainable business through growing their platform and creating compelling online courses.
http://www.alainguillot.com/cameron-huddleston/   Cameron Huddleston is an award-winning journalist with more than 17 years of experience writing about personal finance. Her work has appeared in Kiplinger’s Personal Finance, Business Insider, Chicago Tribune, Fortune, Huffington Post, Money, MSN, USA Today and many more print and online publications. At this moment she is the Life + Money columnist for GOBankingRates. In the interview Schools don't teach personal finance to young students. People have to figure it out as they go along. There is a taboo around the topic of money. Friends don't like to talk about money and many many parents don't like to talk about money with their children. People buy status symbols to give the impression that they have lots of money. Wealthy people, au contraire, don't like to display that they have lots of money. The Book: Mom and Dad, We Need to Talk  10 years ago, Cameron's mother was diagnosed with Alzheimer's disease. They had never spoken about her finances. When Cameron found out about her mother's disease, the first step was to get a power of attorney, giving her permission to run her mother's financial affairs. At this point, Cameron was the sole decision-maker. She would have loved to consult some of those important decisions with her mother. Some of Cameron's friends were going through similar issues and they were asking questions. It was at this moment that Cameron felt compelled to write a book, to help others who are going or who will be going through similar difficulties. The consequences of not having a conversation with your parents can be lengthy, expensive, and painful. Imagine the family members having heated arguments about how to take care of the parents? Whether to end their lives or prolong it? What kind of burial to have? who would they split their assets? How about if there are kids from different marriages? How much is it going to cost?
http://www.alainguillot.com/anna-mcafee/ I have been part of the Montreal Local LinkedIn community for about two years. Naturally, I was curious about how it got started. My curiosity led to Anna McAfee. Anna is from Coffs Harbour, a coastal city of New South Wale, Australia. A small city with an estimated population of over 75,000 people.  At that time, Anna used to work in the recruitment industry and that's why she joined LinkedIn. With a thirst to create communities, back in May 2017 she decided to ask her LinkedIn connection if they wanted to meet offline. The response was positive, so she created the hashtag #LinkedInLocal. On the day of the event, at a local coffee shop, early in the morning, 16 people showed up. What caught Anna by surprise was that individuals in other international communities showed some interest in doing something similar. Alexandra Galviz in London, Erik Eklund in Brussels, Swish Goswami in NYC, and Ryan Troll in Washington were some of the first organizers who took the LinkedIn Local hashtag and started creating events in their own communities. Today, #LinkedInLocal touches the lives of over 300,000 humans, in 650+ cities, in 92 countries. Impressive, especially for a community of volunteers.
http://www.alainguillot.com/george-negm/ https://www.triadconsciousness.com/ George has always been fascinated by Human Behavior. His coaching career began in 2008 at Simulika Solutions. He played a significant role in developing the potential of many team members. He then capitalized on his expertise working as a senior manager for McKesson Canada, one of the largest pharmaceutical companies in the world, where he had the opportunity to lead and inspire his team and achieve a 93% engagement score. In this episode we discuss Why is there a constant dilemma between our inner voice and our outer voice How the quality of our lives depends on the quality of the questions we ask ourselves. Why We need support and challenges at the same time in order to grow in our day-to-day lives. How negative emotions can act as a catalyst for us to get inspired and reach higher levels.
http://www.alainguillot.com/jacquie-davis/ Jacquie Davis doesn't watch action films, her whole life is an action film. Her job shifts from protecting the ultra-rich, celebrities, doing undercover work, rescuing people in hostile countries. On her downtime, she does public speaking, motivational or business. Jacquie wanted to join the police force since she was a child, which she did when she was 18 years old (the 1970s), from those early days until now, her motivation is to fight for justice. As a policewoman, she discovered the world of private bodyguard where she found close protection, surveillance, undercover work, and many other opportunities. As a female bodyguard, she was treated as one of the guys. She also had physical training in Judo and arms combat. Jacquie opened her own bodyguard agency, Optimal Risk, and she had lots of success since the beginning. It turns out that being a female worked out to her advantage, for surveillance, intelligence gathering, or to be the companion of a rich person's wife or daughter, etc.
http://www.alainguillot.com/erika-toth/  Erika Toth, CFA, is the director of ETFs at Bank of Montreal. She helps investors and financial advisers navigate through the diversity and complexity of the ETF palette; what's the primary purpose of each ETF, and who is the ideal investor for each one of them.  You can find Bank of Montreal's ETFs offering here. And you can thank Erika for the information she shared here.
http://www.alainguillot.com/mitch-joel/ Mitch Joel has been called “one of North America’s leading visionaries” by Strategy Magazine and was awarded the highly prestigious Canada’s Top 40 Under 40. In this episode, Mitch Joel tells how he got started in blogging, podcasting, speaking, and writing. Mitch Joel's career from beginning to now Mitch is the Founder of Six Pixels Group - an advisory, investing and a content producing company that is focused on commerce and innovation. Prior to Six Pixels Group, Mitch spent close to two decades building, running and (eventually) selling his business Twist Image/Mirum – a global marketing agency. Mitch has written two books Six Pixels of Separation and  CTRL ALT Delete. He has written for the Harvard Business Review, Inc. Magazine, The Huffington Post and many other publications. Every Sunday, he publishes a new episode of the well-known podcast Six Pixels of Separation. As of the time of this post, that's 713 episodes over a time period of almost 14 years. Every Monday, he comes over to the CHOM FM (I Heart Radio - Bell Media) to do a report on technology and culture. Mitch is the host of Groove – The No Treble Podcast, where he is slowly trying to build the largest oral history of electric bass players in the world. But Mitch's main gig right now is speaking. He speaks frequently to diverse groups like Wal-Mart, Starbucks, Microsoft, Procter and Gamble, Twitter, Unilever and every organization and association in between. In fact, since 2005 he has given anywhere between 40-60 customized keynote presentations a year.
http://www.alainguillot.com/jamie-benizri-80-laws/
http://www.alainguillot.com/howard-berg/ For the past 30 years, Howard Berg has been teaching people how to increase their reading speed along with comprehension, but more importantly how to develop a total learning solution in their life. Howard helps professionals, associations, companies, colleges, and universities, students and people of all walks of life and ages maximize their ability to learn faster, comprehend better, and retain more in their information-rich world. He's considered the fastest reader in the world. He was in the Guinness world record in 1990. Howard Stephen Berg is recognized as the world's fastest reader. He is listed in the 1990 Guinness Book of World Records for reading more than 25,000 words a minute and writing more than 100 words a minute Howard offers courses and training on: speed reading Eliminate writer's block Creative blockbusting Infinite memory Mind math Accelerated studying Passing certification licenses and exams
http://www.alainguillot.com/danielle-moss/ Danielle R. Moss is a TED Speaker, an educator, and a writer. In this episode, we speak about the cost of education, The MeToo movements, financial hardship suffered by victims of sexual harassment and Black history month.
http://www.alainguillot.com/nikolaj-van-omme/ Nikolaj is the CEO of a Montreal based startup company based in Artificial Intelligence (AI). The name of the company is Funartech which stands for Fun, Art, and Technology. Nikolaj is a pure mathematician, Pure Math is studied not for the sake of any academic purpose, however, applied math is studied in order to know how to advance other fields using math. AFAIK "applied" means applied to problems outside mathematics, while pure deals with problems just relevant for mathematics (at that time). We spoke about how businesses and governments can use Artificial Intelligence to increase operational efficiencies. We also spoke about how AI can be used to save the planet.  
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Podcast Details

Started
Jan 19th, 2018
Latest Episode
Mar 29th, 2020
Release Period
Weekly
No. of Episodes
130
Avg. Episode Length
41 minutes
Explicit
No

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