The Exempt Market | Episode 52.

FinancialPodcast.CA: Interviewing Professionals
The Exempt Market | Episode 52.

1) The Exempt Market.
2) The Major Differences.
3) The Risks.
4) How to Purchase Exempt Products.
5) Eligibility for Registered Plans.

Guest:  Sheila Nielsen  

I grew up on a farm in rural Alberta and learned many of life’s important lessons there. I had an idyllic childhood filled with the freedom to explore, build tree houses, help with the farm work and look after the animals. This gave me a deep appreciation for the land, the value of hard work and a sense of community.

I earned a Bachelor of Commerce degree and upon graduation I worked for a telecommunications company as a Programmer/Analyst for 10 years. This work included analysis, design and implementation of many systems in the billing and marketing departments.

A keen interest in personal finance and an eagerness to ‘spread the word’ about private investing motivated me to become a registered Exempt Market Dealing Representative. I became registered with Raintree Financial Solutions early in 2012. I believe Raintree Financial Solutions’ rigorous due diligence process and focus on alignment are paramount in looking after investor’s best interests.

I have a down-to-earth, common sense approach to life. My goal is to educate others about the existence of the Private Capital Market and the alternative investment choices available and to determine if it is suitable for them. Private investing is an excellent way to diversify an investor’s portfolio where eligibility and suitability have been determined. I invite you to call me today to learn more.

203-304 Main Street South
Suite #174, Airdrie, Alberta
P 403.305.9284

Investor Tips. Episode 30

FinancialPodcast.CA: Interviewing Professionals
Investor Tips. Episode 30

Investor Tips
Tip #1: Don’t constantly check your portfolio.
Tip #2: Ignore the media messengers.
Tip #3: Be an investor, not a trader.

Guest: Vitaliy Katsenelson is the CEO of Investment Management Associates, Inc in the USA, a firm he’s been with since 1997.

Vitaliy was born and raised in Murmansk, Russia (north of the Arctic Circle) and immigrated to the US in 1991. He completed his undergraduate and graduate degrees at the University of Colorado. While completing his masters, he also studied for the CFA exams and received his CFA Charter in 2000. Vitaliy started teaching investing to undergraduates at the University of Colorado in 2001 until 2007. He has authored two books: Active Value Investing, The Little Book of Sideways Markets, and is currently working on his third – The Intellectual Investor. He has written articles for, Christian Science Monitor, Businessweek, Kiplinger’s, Barron’s and many others. He also writes articles on his own website – the ContrarianEdge where he talks about a wide range of subjects.
Vitaliy is married with three children.


Tips for new advisors entering the Financial World. Episode 21

FinancialPodcast.CA: Interviewing Professionals
Tips for new advisors entering the Financial World. Episode 21

1) Scott’s entry into the world of Financial Planning.
2) The success factors.
3) Tips for the new advisors.
4) Some surprises in insurance.
5) What makes Customplan stand out.

Guest: Scott Grant – Senior Financial Advisor.

Since graduating from BCIT in the business program in 1987 Scott has
been an entrepreneur. In 1995 he joined the financial industry where  he
quickly put his leadership skills to work building a significant
practice working with Business Owners, Professionals and Families. Scott
is also a stakeholder in Customplan Financial Advisors Inc. where he
teaches, mentors and speaks to advisors across Canada.

Scott’s designations are many; he is an Elder Planning Counsellor, a
Qualified Associate Financial Planner, and a qualifying member of the
Million Dollar Round Table.



Episode 11. Investment compliance and regulations

FinancialPodcast.CA: Interviewing Professionals
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

What is Findependence? An interview with a financial columnist, blogger and author

FinancialPodcast.CA: Interviewing Professionals
What is Findependence? An interview with a financial columnist, blogger and author

What is Findependence and how did the term originate?
What’s the difference between Findependence and Retirement?
How about the difference between Findependence and Victory Lap
Retirement? How did that book come about?
What does Canada’s two-tiered retirement system mean?
How to pensionize a nest egg?
What is the role of annuities?
How to enhance retirement income, delay CPP or OAS?
What are the 4 stages of Retirement?


Jonathan Chevreau is a veteran financial columnist, blogger and author based in Toronto.

In 2014, he launched the Financial Independence Hub, aka, which covers the topic from a North American perspective. It is aimed at both baby boomers and their children, the millennials.  The site has now published more than 1,000 blogs.

He published the financial novel Findependence Day in Canada (Power Publishers, 2008) and a US edition of Findependence Day in the United States (Trafford, 2013, also on Kindle).

Both books make a distinction between traditional “full-stop” retirement and the more useful term, Financial Independence, which the books contract to simply Findependence. In 2014, he also published two concise e-books (also in US and Canadian editions) that summarize the plot and the major financial lessons learned by the characters:  A Novel Approach to Financial Independence (

Jon has also authored several books with traditional book publishers, including The Wealthy Boomer and several editions of Smart Funds, all published by Key Porter Books.

His latest book, co-authored with Mike Drak, is Victory Lap Retirement, was published this fall, and is available at Chapters Indigo and major independent book stores, or online at

He has a large Twitter following at @jonchevreau and uses most other major social media platforms.

What is Registered Disability Savings Plan (RDSP)? Who should have one?

FinancialPodcast.CA: Interviewing Professionals
What is Registered Disability Savings Plan (RDSP)? Who should have one?

-What is RDSP?
-What is Disability tax credit? Who can qualify? Who would get tax credit if the parents are divorced?
-How much money can a person contribute to RDSP?
-What is the difference between bonds and grants and how much are they?
-What bank can I open an RDSP with? What are the investment options?
-Who will be the owner of RDSP if the owner passes away?
-Can both parents be the owners of RDSP? Can the ownership be transferred to the child after s/he is an adult?
-How to use an RDSP?
-How much does it cost to open and maintain an RDSP?
-How to withdraw money from RDSP?

Steven Williams has 20 years experience in financial services, bookkeeping and accounting. Steven specializes in presenting and opening the Registered Disability Savings Plan (RDSP).
With a blended family that includes eight children, Steven proudly displays an entrepreneurial attitude evident in many Alberta business owners. True to his community roots, Steven volunteered for over 6 years on the McKenzie Towne Resident’s Association Board. Steven is also a dedicated plasma donor for Canadian Blood Services.

Email Steven at steven [AT]

Mutual Funds vs Segregated Funds vs ETFs, advantages and disadvantages of both

FinancialPodcast.CA: Interviewing Professionals
Mutual Funds vs Segregated Funds vs ETFs, advantages and disadvantages of both

Topics discussed

-What are ETFs, mutual funds and segregated funds?
-What are the advantages and disadvantages to invest in them?
-What are the costs associated with each investment?
-Why does the media like ETFs?
-What are the tax implications of owning each of those investments in registered and non registered accounts?
-Who should or should not buy ETFs, mutual funds, segregated funds?

An interview with Richard Knowles – Sr. Associate and Independent Financial Advisor and Planner, Customplan Financial Advisors Inc.

About Richard Knowles:
As a multi-licensed and certified Financial Professional in Wealth and Risk Management and Financial Planning since 1994, Richard has been successfully shaping the financial well-being of individuals, incorporated professionals and executives and companies by successfully utilizing the most advanced areas of tax engineering, wealth creation, debt reduction and estate planning possible in the world today.