The Importance of Good Communication. Episode 19

1) The number one obstacle to good communication.
2) How good communication can help you.
3) Trying to pick up on body language when you are working in an online world.
4) Tips for better communication through a computer.
5) Overcoming unstable internet connections.
6) Researching your audience.

Guest: Lauren Sergy.

Public speaking and communication expert Lauren Sergy has helped people
across Canada, the US, and Europe become more powerful speakers and
communicators. Her clients include organizations such as KPMG, Northern
Trust Corporation, Alberta Treasury Branch, Alberta Blue Cross, Grant
Thornton, and many more.  Lauren teaches business communication at the
University of Alberta. Her book, The Handy Communication Answer Book,
was featured on the Best Reference Books of 2017 list by Library


Video Conference Skills Course:

Advice from an Underwriter. Episode 18

1. The role of the Head Office underwriter.
2. Insurable interest.
3. Financial Underwriting, what it takes.
4. Medical history – how do you determine when additional information is required?
5. How does the underwriter determine whether to approve, modify or deny an application for insurance coverage?
6. Are there any major differences in underwriting for the different insurance companies?
7. How long does the underwriting process take?
8. The Cover Letter.
9. Bonus: The importance of good communication. Also, expert witness cases.

Guest: Peter Speers.

Peter has been involved in underwriting for over 35 years, beginning
his career in Winnipeg with Great West Life.  He moved on to Crown Life
and Canada Life where he was the Director of Underwriting. RBC Life Insurance was his next calling, overseeing new business and underwriting.  Now, as a risk mitigation strategist, he works expert witness cases, and for complex cases partners with insurers, reinsurers and Advisors. and 604-899-1212.


General Tax Implications when Investing in Real Estate. Episode 17

Speaker: Natalie Yunes, BAS, CPA, CGA.

1) How are you taxed differently when holding real estate for a long period of time?
2) Calculation of capital gain or loss in real estate.
3) Correctly expensing costs.
4) The impact of taking money from your RRSP to invest in real estate.
5) Buying real estate personally or through a corporation.
6) Owning real estate in another country.
7) Legal suites.

Natalie Yunes is a tax professional with over 25 years of
diversified tax experience both in the industry and in public
accountancy. She has worked at one of the Big4 firms in corporate,
non-for profit, and personal tax fields. Her expertise includes
reporting, compliance and defense of income tax, international tax and
commodity tax issues.
She holds the following degrees – Bachelor of Business Administration,
Chartered Professional Accountant and a Certified General Accountant.

Natalie can be reached at or (416)-895-7749.

Electronic Signature – made in Canada. Episode 16


1)  What is a e-signature?
2)  How does Signority prove that a person signed a document?
3)  What kind of security is in place?
4)  Made in Canada.
5)  Ease of use.
2)  Endorsed by CSIO.
3)  Special offer.

Speaker: Jane He – CEO/Founder at Signority.

Jane has been in the hi-tech industry for 25 years. She has lived in
three continents, born and raised in Shanghai, received her graduate
degree in Europe have been working as a hi-tech professional since 1996
in Canada. She worked at Nortel and several other large companies until
2010, when she started Signority. Over the last 10 years, Signority has
made several significant milestones: in 2016, the Department of National
Defense of Canada has successfully deployed that platform, through the
federal government innovation program, and, for the first time in
history, Signority helped the Government of Canada eSign the first MoU
with the Government of Great Britain.

Special offer:

10% discount off of the web listing price for the first year of a subscription. Just email or call 1-833-222-1088 and mention Financial Podcast.

Overview of the Insurance Sector. Episode 15

1)  Changes in the insurance industry in the last 30+ years.
2)  How to add value and provide service to the older population.
3)  Advice to new advisers.
4)  Disability Credit Protect Rider that Empire Life has.
5)  The role technology plays in the insurance industry today.

Speaker: Peter A. Wouters.

Director, Tax Retirement & Estate Planning Services
Peter devotes much of his time working with independent advisors and
other professionals uncovering issues and concerns faced by affluent
individuals, professionals and business owners. He supports their
efforts in researching and developing optimal solutions for clients
aimed at improving their financial well-being and supporting their
personal wishes and lifestyles. He has provided 1000s of workshops,
seminars and technical support throughout the country on tax, retirement
and estate planning issues, concepts and strategies. Peter, an
accredited Registered Financial Gerontologist, educates people of all
professions who work with or specialize in the needs, expectations and
issues of an aging population.  Comprehensive lifestyle planning is an
important element of these processes.  He has been repeatedly
interviewed on regional and national television, radio, newspapers and
journals as a subject matter expert on various industry issues and
developments. He is a prolific writer on matters dealing with
retirement, financial and lifestyle planning.
Among his many professional and industry affiliations are: CALU
(Conference of Advanced Life Underwriting), the Society of Trust &
Estate Practitioners, the Institute of Research & Planning, the Canadian
Tax Foundation, the American Institute of Financial Gerontology and the
American Society on Aging. He is faculty chair of the International
Elder Planning Counsellor program.
A graduate of McMaster University, Northeastern University and Widener
University, Peter has over three decades of experience. He is a true
student of business as attested to by 16 professional designations. His
articles have been published in newspapers, industry bulletins and trade
journals throughout the world.



Visitors to Canada insurance with Travelance. Episode 14.

1) Three main insurance products that Travelance offers;
2) Discuss long stay and short stay policies for visitors to Canada;
3) Why purchasing from Travelance makes sense vs other online options;
4) Discussion on the super visa and multiple entry visa and how
insurance plays a role;
5) What they cover regarding Covid 19 tests;
6) How teaming up with Travelance can help build an advisors client base.

Speaker: Kristina van der Wal of Travelance
Kristina began her career in the insurance industry in 2009 as a
Personal Lines Insurance Advisor, later joining Travelance in 2014 as
the Regional Sales & Development Manager for Western Canada.

Now, as the Director of Sales and Distribution for Travelance, Kristina
uses her insurance experience along with her post-secondary education in
sales, business and marketing, and business acumen to help brokers
succeed and grow their business with Travelance’s suite of products.

Travelance info
Travelance is a travel and accident insurance provider that focuses on
providing quality products at competitive prices. We are a team of
interdisciplinary professionals. Working together, we’ve created an
open-minded and approachable culture that provides the foundation for
the exceptional support we deliver to a network of clients, including
policyholders, brokers, travel agents, and agencies.
T  1-855-566-8555

Episode 13. What is a health spending account

1) Overview of how a health spending account works.
2) What it can or cannot include.
3) How it benefits the employer.
4) Potential tax implications.
5) How clients can quality.
6) The benefits of outsourcing it vs running in-house.

An interview with Andrew Brandsma

About Andrew Brandsma:

Andrew is the Director of Sales and New Business Development at National HealthClaim in Calgary, AB. He holds a degree in Commerce specializing in Risk Management and Insurance. Over the last 8 years, Andrew has cultivated a reputation by providing consultants and advisors with real-time, real-person service regarding innovative solutions, especially in regard to the growing industry requests for not only HSA’s but Lifestyle spending accounts or LSA’s.

Andrew can be reached at andrew @ or (403) 554-8510

Episode 11. Investment compliance and regulations

An interview with Rob Hack, an adviser and a compliance officer of Customplan Financial. The topics discussed are:

  • Compliance in the financial industry
  • Financial fundamentals
  • Saver vs investor
  • Risk definition
  • How to find an advisor
  • How to protect yourself from fraud

Rob Hack

Episode 10. What does it mean to be a financial advisor?

  • What to do before you start as a financial advisor?
  • Advice about what value you can provide clients?
  • What mindset you have to have to start a new business?
  • What qualities a financial advisor must quest to build a successful career?
  • How advisors are paid?
  • What is the difference between NET and GROSS pay?

Derek Tedrick
Forward Financial
tel: (403) 969-0330

Everything you need to know about trusts – conversation with a tax professional

-What is a trust?
-How is a trust established?
-Can you give me some examples of trusts
-How is a trust taxed?
-How similar is it to a corporation?
-What is a family trust?
-Why would you use a family trust?
-How do you set up a family trust?
-How is it taxed?
-What are the disadvantages of a family trust?

About George E. Craven, B.A.(Hons) LL.B. M.Tax.

George has been practicing as a sole tax practitioner in Calgary (Monarch Tax Law) since 2007. His practice focuses on small business corporations including corporate reorganizations, corporate succession planning, tax efficient structuring and inter-vivos family trust planning.
George got his Master of Taxation degree in 2001 and worked at McCarthy Tétrault LLP till 2007
In 2014 George worked as an Adjunct Professor at University of Calgary and University of Lethbridge

George is married and has 6 children, five boys and a girl

George’s interests are steam locomotives, playing the Tuba and watching English soccer with a passion only English people can understand!

George’s site is and his phone number is (403) 265-7066

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