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

Should You Fire Your Male Broker with Blair duQuesnay

After her recent New York Times op-ed, “Consider Firing Your Male Broker”, Blair duQuesnay precipitated some soul-searching and started some great conversations about gender equality on Wall Street. This week, she joins Standard Deviations to give further insights into why she thinks the future of wealth management is female. Listen to learn: What Blair views as the source of women’s strong investment performance Why both women and men view women as less competent with money, despite data to the contrary Which financial planning considerations are unique to women’s lives What the industry can do to achieve gender parity

#21 / February 14, 2019

SHOW LESS

#21 / February 14, 2019

Can You Do Well by Doing Good with Sonya Dreizler

Some call it ESG, while still others refer to as “impact” or “values-based investing.” But whatever you call it, Sonya Dreizler, the founder of Solutions With Sonya, can help you make sense of how you can wear your heart on your sleeve and still secure your financial future. In this episode we discuss, whether or not divesting of public equities has the intended impact, why shareholder engagement is the future of values-based investing, how owning stocks of companies you hate might actually make a lot of sense, and how ESG investing can actually improve investor behavior.

#20 / February 8, 2019

SHOW LESS

#20 / February 8, 2019

Millennial Myth Busting with James Matthews

#19 / January 31, 2019

SHOW LESS

#19 / January 31, 2019

Business Lessons from a Spy with John Nolan

This podcast will not self-destruct after listening. It will teach you a thing or two around the skill that separates good from great spies, the surprising lengths to which companies and countries go to steal secrets, and how to get complete strangers to share their secrets. Get ready to be fascinated by John Nolan, who spent 22 years in the CIA before going on to found and sell his own corporate espionage firm.

#18 / January 24, 2019

SHOW LESS

#18 / January 24, 2019

Becoming a Behavioral Investor with Dr. Daniel Crosby

For fans of psychology, personal finance and the elusive search for happiness, this episode is a can’t miss. This week, the tables are turned as Dr. Crosby passes the mic to Dr. Brian Portnoy, author of The Geometry of Wealth. Brian and Daniel discuss Dr. Crosby’s new book, The Behavioral Investor, touching on the four primary types of investor misbehavior, what can be done to manage behavioral risk and the future of behavioral finance.

#17 / January 17, 2019

SHOW LESS

#17 / January 17, 2019

Becoming a Public Speaker with Jennifer McClure

What’s the recipe for a great presentation? This week Jennifer McClure, an entrepreneur, keynote speaker, leadership success coach, and former HR executive who works with business leaders to build their influence, think strategically, and create maximum positive impact at work and in life, provides a masterclass on sharing ideas with the world generally as well as specific advice around common clichés to avoid and for how to create a business around public speaking.

#16 / January 10, 2019

SHOW LESS

#16 / January 10, 2019

Feeding Your Unicorn with Tra Williams

Do you let others define your success? This week, entrepreneurship consultant Tra Williams offers us a personal life lesson on why you need to stop, on why work and life are equal goods that feed one another, not separate entities to be “balanced,” and how to maintain childhood and creativity, all while earning a living. Listeners will leave energized and more encouraged than ever to chase that long-ignored dream!

#15 / January 3, 2019

SHOW LESS

#15 / January 3, 2019

Applying Value Investing to Real Estate with Randy Norton

This week the Standard Deviations is pleased to welcome Randy Norton, who shares how the wisdom of value investing can be applied to real estate. As Managing Partner and Global Head of Real Estate and Alternative Investments at Green Mesa Capital. Randy provides excellent guidance on how to think about seldom-considered asset classes, the most common behavioral traps among real estate investors, and considerations for buying a REIT vs. real property.

#14 / December 27, 2018

SHOW LESS

#14 / December 27, 2018

A Practical Conversation About ESG Investing with Joey Fishman

Change your investment approach, change the world? This week Joey Fishman, who heads up the socially responsible investing arm of Ritholtz Wealth Management and oversees their “Portland Portfolio,” joins us for a discussion of Environmental, Social and Governance (ESG). Learn about the differences between SRI, ESG and impact investing, how to think about risk and return tradeoffs in values-based portfolios, and whether or not SRI brings about the desired changes.

#13 / December 20, 2018

SHOW LESS

#13 / December 20, 2018

Good Design, Good Behavior with Dan Egan

Are “centaur” approaches (combining human advisors with tech) the future of finance? Our guest this week, Dan Egan, is Director of Investing and Personal Finance at Betterment. Dan is an expert at improving decisions through smart technological design and he brings that wisdom in a conversation on why investors need to have faith in their own approach, the future of behavioral finance, and whether it is most effective to change the person or the product.

#12 / December 6, 2018

SHOW LESS

#12 / December 6, 2018

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