Standard Deviations Podcast - Living Confidently

FEATURED EPISODES

Ready for 30 Years Without a Paycheck with Travis Scribner

Is it possible to really be ready for retirement? Yes. And this week Travis Scribner, Managing Partner of WestPac Wealth Partners, tells us what it takes to be prepared. Listen in to hear a discussion of whether or not the retirement readiness landscape is as bleak as it is sometimes portrayed, some of the psychological barriers to preparing for an event that is so far away, and tips for maintaining a sense of meaning in retirement Follow up with Travis: http://www.westpacwealthpartners.com/team/travis-scribner

#5 / October 22, 2019

Storytelling, Introspection & Retirement with Jim Lake

A financial services veteran, Jim Lake is filled with more passion today than when he started. This week, Jim Lake shares strategies for helping people prepare for their future, beyond the numbers. Tune in to hear: Why retirement is the #1 financial concern of most people How storytelling and introspection are revelatory when considering which financial retirement option suits you best What qualities to look for in a financial professional who will bring your best interests to the table when preparing you for retirement Advice for those who simply cannot save 20% of their present income for retirement Why Jim doesn’t feel that “retirement” is a good word to describe the contemporary shift in people’s priorities at that stage in their life Jim leads the Retirement Income Specialist, DI and Life Wholesale Team at Guardian and has more than 25 years of financial sales experience. Prior to joining Guardian in 2008, Jim was Vice President and National Sales Director for the Independent Division of PLANCO, representing Hartford Investments. During his tenure at PLANCO, Jim consistently ranked as one of the top wholesalers. Throughout his career in sales, Jim has been instrumental in building partnerships. A financial services veteran, Jim is filled with more passion today than when he started. His enthusiasm about the industry and knowledge has made him a well-known and sought-after speaker at conferences, presenting at over 1,000 engagements ranging from seminars to regional and national meetings. His most notable, engaging valued-added topics include: Holistic Planning, What Matters Most to Small Business Owners, and How to Build and Capitalize on a Unique Value Proposition. Jim’s goal is to provide financial professionals with differentiating practice management resources to help build their businesses. Jim is an avid practitioner of Brazilian Jiu-Jitsu, a martial art that promotes the sense of endurance and peace of mind. He lives in the Philadelphia area with his wife, Jacqui, daughter, Alex, and two sons, Jimmy and John.

#50 / October 17, 2019

Community Leadership & Running a Small Business with Corey Phillips

Corey Phillips is a successful financial advisor with the Bulfinch Group in Boston as well as a co-owner of a retail liquor-store, community advocate that sits on the Board of four different non-profits, a youth sports coach, and a dad of one and one-on-the-way, we ask Corey Phillips, how do you do it all? Corey explores how to manage the illusive time-to-value ratio so that we can decide what doing it all looks like for each of us. Additionally, Corey shares how, as a business owner and entrepreneur, and now advisor to business owners, the economic landscape has changed in the beer wine and liquor industry and the microcosm that it represents on how we all adapt to change to continue to thrive. Tune in to hear: – How small businesses and individuals can prepare for the shifting economic landscape – Which lessons learned from running a small business can be applied to your personal life & finances – Three questions to ask yourself before starting your own small business – The importance of time management and family support when running your own business Follow up with Corey: https://www.bulfinchgroup.com/team/corey-phillips

#49 / October 2, 2019

Breaking the Chains of Debt with Nichole Mayer

Nichole is a wealth management advisor with Westpac Wealth Partners who has 13 years of industry experience. She joins Dr. Crosby this week to discuss the good, bad and ugly of taking on personal debt. Listen in to learn: How certain types of debt can actually be good What she thinks can be done about the student debt crisis Why you might not be able to afford as much home as that mortgage calculator suggests What to consider when taking on credit card debt Many personal finance professionals consider “debt” another four letter word but Nichole’s nuanced take will give you much to consider. Follow up with Nicole: https://www.westpacwealth.com/team/nichole-mayer

#48 / August 23, 2019

All in the Family (Business) with Andrew Guyton

Andrew Guyton is a financial advisor with seven years of experience who joins us today to talk about the pros and perils of family business. In specific, we discuss: What he and his father do to make financial planning fun and engaging How he maintains a personal identity within a family business What his father required him to do to prove himself before signing on How he and his father manage to keep work and family separate in the off hours If you’ve ever considered getting into business with friends or family, this will be a must-listen! Follow up with Andrew: https://www.guytongroup.net/team/andrew-guyton

#46 / August 8, 2019

Adapting to a Changing World with Marty Nachemson

Marty Nachemson is a partner at Prosperian Wealth Management where he specializes in holistic financial planning. Today, he joins us to discuss how he stays adaptable in a business world that’s always changing. We touch on: How “adaptability quotient” or AQ, differs from IQ and EQ Is the world really changing faster than ever? Harvard’s take on the three keys to having high AQ How to create a culture that is comfortable with change Follow up with Marty: http://prosperianwealth.com/martin-nachemson/

#43 / July 18, 2019

Investing with Taxes in Mind with Andrea Schaffer

Andrea Schaffer CLU® ChFC® CFP® is with Pacific Advisors in Claremont, California. Her practice focuses on individual and business planning, with special knowledge in charitable and investment planning, tax offset strategies, executive tax issues, executive benefits, and business succession. She joins us today to talk about opportunity zones, including: What is an opportunity zone anyway? From a social responsibility standpoint, why might OZ make sense? Join us to learn more about one of the hottest topics in investing. Follow up with Andrea: https://www.pacificadvisors.com/andrea_schaffer

#39 / June 20, 2019

Of Tragedy and Preparation with Joleen Mainz

When her life was upended by a series of tragic events, Joleen Mainz, Retired Partner, Hegland Mainz Financial, wasn’t sure how to proceed. Luckily, she found strength in taking much of the same advice that she had given her clients over the years. Listen to this heart wrenching episode to learn: Why “eating your own” cooking is a must for financial professionals How Joleen maintains hope in the face of tragedy What you can do today to prepare for the unthinkable

#30 / April 18, 2019

The Retirement Savings Crisis and You with Joe Fitzgerald

Joe Fitzgerald, Financial Advisor at Northeast Planning Corporation, sees the retirement savings crisis in America for what it is and has thoughts on how to fix it. Tune in to learn: Which cultural differences drive savings behaviors around the world The common behaviors shared by the best savers How to avoid “lifestyle creep” and living beyond your means Follow up with Joe: https://www.nepcusa.com/team/joseph-fitzgerald

#27 / March 28, 2019

Unexpected Keys to Financial Success with Michele Lee Fine

What’s broken and what works in today’s wealth management industry? This week we talk to Michele Lee Fine, President Cornerstone Wealth Advisory about this and the importance of managing fees, risk and taxes, and under-considered investment strategies. Follow up with Michele: https://www.strategiesforwealth.com/team/michele-fine

#23 / February 28, 2019

Millennial Myth Busting with James Matthews

With all the negative stereotypes around Millennials and money, it’s hard to separate fact from fiction. Luckily, James Matthews, Director of Wealth Management at Consolidated Planning, joined us and he’s just the guest for that job. Listen in to learn about couples’ five most common sources of disagreement about money and how a deeply felt personal purpose can lead to better financial decisions. Follow up with James: http://www.cplanning.com/team/james-matthews

#19 / January 31, 2019

Special Planning for Special Needs with Annette Hammortree

Are you the parents of a child with special needs? On this week’s show, learn three steps necessary to help prepare today for an uncertain tomorrow. Annette Hammortree, financial specialist, owner of Hammortree Financial Services and parent of a child with special needs, provides us with a detailed look at the unique financial considerations of those who love someone with special needs. Annette explains the biggest misconceptions and misunderstanding around money and children with special needs, how living with a special child impacts daily living, and the financial considerations that are unique to families of children with special needs. Follow up with Annette: http://www.hammortreefinancial.com/

#9 / November 15, 2018

Life on Your Terms with Eric McDermott

Are you prepared as life keeps happening? This week, Eric McDermott, Managing Partner at Pacific Advisors, breaks down the steps investors can take to operate from a “risk first” mentality. Learn fascinating facts from a Financial Specialist and marketing guru about the origins of insurance as an industry and how to overcome overconfidence en route to having candid conversations about risk. Follow up with Eric: http://www.pacificadvisors.com/team/eric-mcdermott

#2 / September 27, 2018

ALL EPISODES

Investing with Twitter Sentiment with Andy Swan

Andy Swan is the founder of LikeFolio, a company that provides consumer behavior insights to investors and corporations. In this episode, we discuss using social media sentiment from sites like Twitter to make investment decisions. Our conversation includes: How accurate is Twitter sentiment at helping predict market moves? Why Andy believes in concentrated portfolios The benefits of running a tech company from a non-traditional location

#31 / April 25, 2019

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#31 / April 25, 2019

Of Tragedy and Preparation with Joleen Mainz

#30 / April 18, 2019

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#30 / April 18, 2019

Goals-Based Retirement with Christine Benz

Christine Benz, the Director of Personal Finance at Morningstar and author of “30 Minute Money Solutions: A Step-by-Step Guide to Managing your Finances” takes on the intersection of retirement and psychology, specifically focusing on goals-based approaches to retirement readiness. Talking points include: What is a goals-based approach to retirement and what are its potential psychological advantages? What is mental accounting and how can it be used to manage financial behavior? How can those who are underprepared for retirement get started today? Christine has a wealth of knowledge on the topic and you’re sure to leave with ideas for how you can better prepare for tomorrow.

#29 / April 15, 2019

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#29 / April 15, 2019

Understanding the Myers-Briggs Type Indicator (MBTI) with Dr. Jordan Turner

The Myers-Briggs Type Indicator ® is the world’s most popular personality instrument but isn’t without its controversies. Loved by loyalists and sneered at by many social scientists, Dr. Turner gives a candid assessment of the strengths and weaknesses of the MBTI and speaks directly to how it can be used to deepen our understanding of self. Specifically, we discuss: The origins of the MBTI Common criticisms of the MBTI including validity and reliability Each of the four personality scales The ideal applications of personality testing

#28 / April 10, 2019

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#28 / April 10, 2019

The Retirement Savings Crisis and You with Joe Fitzgerald

#27 / March 28, 2019

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#27 / March 28, 2019

New Horizons in Risk Profiling with Aaron Klein

Aaron Klein is the CEO and co-founder of Riskalyze, a fintech company that has taken the world of financial advice by storm over the past five years. In this episode, Aaron touches on: The Riskalyze origin story Why he favors numerical over psychometric approaches to measuring risk What the future of fintech looks like How Riskalyze hires and trains for culture

#26 / March 21, 2019

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#26 / March 21, 2019

A Day at the Factor Zoo with Corey Hoffstein

Corey Hoffstein is one of the brightest minds in quant investing and has a unique knack for making hard-to-understand concepts palatable for novice investors. Tune in this week to understand: Why a risk-first approach to managing money could make sense Why pain may actually be sought out when considering investment factors What set of circumstances would cause Corey to reconsider a cherished investment factor Why honesty and candor can be essential characteristics of good asset managers

#25 / March 14, 2019

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#25 / March 14, 2019

Lessons on Leadership with Noreen Beaman

Noreen Beaman is living the American Dream. After starting at Brinker Capital three decades ago, and having worked in every vertical in the company, she is now the CEO of the multi-billion-dollar asset management firm. In this episode, Noreen shares the lessons of leadership she learned along the way, including: > How she defines leadership > The steps she takes to ensure that Brinker’s culture remains vibrant > What she learned from her biggest professional mistake > The place of failure and hardship in becoming a great leader

#24 / March 7, 2019

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#24 / March 7, 2019

Unexpected Keys to Financial Success with Michele Lee Fine

#23 / February 28, 2019

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#23 / February 28, 2019

The Future of Retirement with Douglas Boneparth

Douglas Boneparth is an InvestmentNews 40 Under 40 alum and co-author of The Millennial Money fix. In this episode, we discuss: Whether or not online interactions can take the place of “in real life” connection The case for authenticity and being candid about our own struggles The changing shape of retirement and what it could look like in the future

#22 / February 26, 2019

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#22 / February 26, 2019

About Dr. Daniel Crosby

Dr. Daniel Crosby is a psychologist and behavioral finance expert. His first book, Personal Benchmark: Integrating Behavioral Finance and Investment Management, was a New York Times bestseller. His second book, The Laws of Wealth, was named the best investment book of 2017 by the Axiom Business Book Awards, and his latest work, The Behavioral Investor, is an in-depth look at how sociology, psychology and neurology all impact investment decision-making. Dr. Crosby has also contributed to Living Confidently previously to create our Vision Test and Personality Quiz.

All opinions expressed by Dr. Daniel Crosby and podcast guests are solely their own opinions and do not reflect the opinion of The Guardian Life Insurance Company of America (Guardian) and its affiliates, subsidiaries, employees and agents. These podcasts are for informational purposes only and should not be relied upon as a basis for legal, tax and investment decisions, as participants are not undertaking advice for any specific individual or situation. The opinions are based upon information participants consider reliable and Dr. Crosby and Guardian are not responsible for the consequences of any decisions or actions taken because of the information provided. Not all guests are not employees of Guardian or any of its affiliates. GUARDIAN^® and the GUARDIAN G^® logo are registered service marks and are used with express permission. All materials are subject to United States copyright laws. ^© 2021 Guardian. This material is intended for general public use. By providing this content, The Guardian Life Insurance Company of America, The Guardian Insurance & Annuity Company, Inc. and their affiliates and subsidiaries are not undertaking to provide advice or recommendations for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial representative for guidance and information that is specific to your individual situation. 2021-131250 Exp 12/23