FINANCIALPODCAST.CA: INTERVIEWING PROFESSIONALS

1) Charitable Donation Recipients. 2) Charitable Non-Refundable Tax Credit. 3) Charitable Gifts, Crown Gifts, Cultural Gifts and Ecological Gifts. 4) Donating Capital Property. 5) Donations While Alive versus via a Will. 6) Charitable Remainder Trust. 7) Using Life Insurance. 8) Donating Qualified Publicly Traded Securities. Guest: Michelle Coleman Michelle is a member of MNP's Tax Services team in Edmonton specializing in Trust and Estate Planning. Michelle delivers advanced tax advice and solutions to individuals, trusts, business owners and corporations at all stages of corporate growth, from start-up to succession planning, helping them realize their goals. Michelle provides her clients with the information and tools they need to make the best decisions possible, both for today and for the long term. Michelle's services include trust, estate and post-mortem planning, succession planning, tax planning for retirement, corporate reorganizations, and providing support in CRA audits, reviews and appeals, including submissions under the Voluntary Disclosure Program. She prepares and reviews personal, corporate, and trust income tax returns, and helps executors navigate their responsibilities in administering an estate. Michelle is a Chartered Professional Accountant (CPA), qualifying as a Chartered Accountant (CA) in 2013. She completed CPA Canada's In-Depth Tax Course in 2017 and received the Trust and Estate Practitioner (TEP) designation through the Society of Trust and Estate Practitioners in 2019 and Canadian Institute of Certified Executor Advisors (CEA) designation in 2020. Michelle mentors students who are working through the Chartered Professional Accountants (CPA) program and preparing for the CPA Common Final Examination and STEP candidates preparing for module exams. She is a board member of Fringe Theatre Adventures, board member (deputy chair 2021) of the Society of Trust and Estate Practitioners (STEP) Edmonton and chair of the Member Services Committee of STEP Canada. Michelle was named STEP Edmonton Volunteer of the Year in 2019. Contact: Michelle D. Coleman, CPA, CA, TEP, CEA PARTNER, TAXATION SERVICES DIRECT 780.733.8622 PH. 780.451.4406 FAX 780.454.1908 TOLL FREE 1.800.661.7778 10235 101St N.W. Suite 1600 Edmonton, AB T5J 3G1 michelle.coleman@mnp.ca mnp.ca

1) Legal Obligation of Parent to Financially Dependent Child. 2) Legal Obligation of Parent to Adult Child. 3) Legal Obligation of Adult Child to a Parent. 4) Treating Adult Children Equally in a Will. 5) Treating Adult Children Fairly in a Will. 6) Situations Where a Parent Might Disentitle an Adult Child. 7) Strategies for Disentitlement. Guest: Jennifer R. Lamb Jennifer is a partner with Calgary law firm Carscallen LLP. Jennifer has helped clients in a variety of estate matters including the preparation of wills, powers of attorney, and personal directives. She has also provided advice on the role of executor, guardianship, and trustee. Jennifer has dealt with many estate planning matters regarding the interpretation and validity of wills and beneficiary designations, breach of trust allegations, the removal and replacement of executors and creditor's claims against an estate. Jennifer is a member of the Law Society of Alberta, the Canadian Bar Association, the Calgary Bar Association and the Estate Planning Council of Calgary. Contact: Jennifer R. Lamb Partner Carscallen LLP Centrium Place 900, 332 6 Avenue SW Calgary, Alberta T2P 0B2 Phone: (403) 298-8455 Fax: (403) 262-2952 Email: Lamb@carscallen.com Website: www.carscallen.com

1) Holograph Wills. 2) Making an Asset Joint. 3) Mom Keeps Cash Only. 4) Loans to Adult Children. 5) Leaving the House to the Cat. Guest:  Shannon James Shannon is an Associate with Carscallen LLP in Calgary. Shannon has represented clients in a variety of estate, trust and incapacity matters including the roles and duties of executors, trustees, guardians, attorneys and agents. She has also been involved with the interpretation and validity of wills, the removal and replacement of personal representatives and trustees, and the interpretation, variation, and termination of trusts. Shannon is a member of the Law Society of Alberta, the Society of Trust and Estate Practitioners (STEP), the Canadian Tax Foundation (CTF), the Canadian Bar Association, and the Calgary Bar Association. Shannon James Associate Carscallen LLP Centrium Place 900, 332 6 Avenue SW Calgary, Alberta T2P 0B2 Phone: (403) 298-8445 Fax: (403) 262-2952 Email: James@carscallen.com Website: www.carscallen.com

1) Why Now? 2) Growing Up in Owen Sound. 3) The Teaching Era. 4) Service, Service, Service. 5) A Personal Legacy. Guest: Joel Cadesky. With more than 40 years of experience providing benefits and life insurance advice, Joel is known across the industry for his professionalism, passion and dedication to his valued clients. Joel started off his career teaching grade 7 & 8 before being drawn into the world of insurance, with his first role in 1978 with Crown Life. While he specializes in life and group insurance, Joel is also licensed and knowledgeable in property and casualty insurance and is RIBO licensed. Over the years, the line between “friend” and “client” has become blurred for Joel, due to the bonds that are created with many of his clients. He continues provide the highest level of service to his clients, always sharing his extensive knowledge with his warm and friendly smile. Outside of work, Joel has been an avid professional wrestling fan, as well as a passionate sports fan with a strong allegiance to the Detroit Red Wings. Joel prides himself on a strong sense of family and community and is always happy to talk politics, wrestling…or insurance! Contact:  LinkedIn

1) The “Traditional” Family Unit. 2) Divorcing with Young Children. 3) Second Marriages with Children. 4) A Family Cottage. 5) Owning a Business. Guest:  Jonathan Ng Jonathan practices at Underwood Gilholme Estate Lawyers, a group that works exclusively in estate matters. He assists clients in the preparation of wills, enduring powers of attorney, personal directives, and trusts. He also advises executors and attorneys on the administration of estates. Jonathan is experienced in Court applications for grants of probate and administration, and has appeared before the Court on the validation of non-compliant wills and family maintenance and support. Over the past several years, Jonathan has provided seminars at the Kerby Centre, the Canadian Association of Gift Planners, and various financial institutions. He has appeared on CBC Radio to discuss the importance of having a Will and other estate topics. Jonathan is a member of the Canadian Bar Association South Alberta Wills and Trusts Section and the Estate Planning Council of Calgary. Contact: Underwood Gilholme Estate Lawyers Phone (403) 288-8855 Email jonathan.ng@willsandestates.ca Website: www.willsandestates.ca

1) Succession Planning Defined. 2) Beginning Your Succession Plan. 3) Sole Proprietorships and Partnerships. 4) Common Exit Strategies for a CCPC. 5) Funding Strategies. 6) Estate Freezes. 7) Capital Gains Exemption. Guest: Irfanali Moledina Irfanali started his accounting practice in 2011 after completing his designation with Deloitte. As an entrepreneur at heart he feels the foundation of a strong business lies in its numbers and that is what drove him to accounting. His passion has allowed him to scale his firm, RMI Professional Corporation to a team of over 25 staff and servicing over 1500 clients annually. He has extensive knowledge in small business accounting working with various corporations and individuals including some financial advisors. Irfanali tries to live a balanced life as he is a proud husband and father of two, in his spare time he enjoys all things business and sports, mainly hockey. Irfanali Moledina Managing Partner RMI Professional Corporation 203 - 2916 19th St. NE Calgary, AB T2E 6Y9 Phone: (403) 457-4232 Email: info@rmiassociates.com Website: www.accountantscalgary.com

1) Primary Retirement Goals. 2) When to Begin CPP. 3) RRSP vs TFSA. 4) Pension Credit. 5) Age Credit. 6) Medical Expense Tax Credit. 7) Disability Tax Credit. 8) Individual Pension Plans. Guest: Lesley Bloxham Lesley has over 28 years of combined experience working in public practice and industry. Her passions are accounting, taxes, planning, and consultation. She loves working with corporate clients who are in start-up, growth, maintain or wind-up stages to ensure the business is meeting the shareholder's goals, financial reporting requirements, government obligations, and getting things done right. She also enjoys getting personal and business clients back on track to ensure all CRA tax filings are up-to-date and compliant. Lesley is taking professional development courses in international tax and works with international non-resident clients who have Canadian investments/property or Canadian resident clients who own foreign investments/property. Educating, training, and consulting clients on “best practices” in techniques, developing processes, and financial monitoring are all very important, especially for the follow-through of the strategic plans for taxes, retirement, Estate and future. The rewards are seeing client's dreams, goals, and commitments come true. Contact: Lesley Bloxham, Partner Blasetti Broyles Bloxham LLP Chartered Professional Accountants 1700 Varsity Estates Drive NW Calgary, Alberta T3B 2W9 Phone: (403) 277-0511 Email: info@bbbcpa.ca Website: www.bbbcpa.ca

1) Learn About Your Clients. 2) Learn from the Best in the Business. 3) Believe in Yourself. 4) Take a No and Turn it into a Yes. 5) See People See People See People. Guest:  Joel Cadesky With more than 40 years of experience providing benefits and life insurance advice, Joel is known across the industry for his professionalism, passion and dedication to his valued clients. Joel started off his career teaching grade 7 & 8 before being drawn into the world of insurance, with his first role in 1978 with Crown Life. While he specializes in life and group insurance, Joel is also licensed and knowledgeable in property and casualty insurance and is RIBO licensed. Over the years, the line between “friend” and “client” has become blurred for Joel, due to the bonds that are created with many of his clients. He continues provide the highest level of service to his clients, always sharing his extensive knowledge with his warm and friendly smile. Outside of work, Joel has been an avid professional wrestling fan, as well as a passionate sports fan with a strong allegiance to the Detroit Red Wings. Joel prides himself on a strong sense of family and community and is always happy to talk politics, wrestling…or insurance! Contact: joel@scinsurance.ca LinkedIn

1) The Importance of Discipline; 2) A 40 Year Journey Begins; 3) Finding Inspiration; 4) Handling Adversity; 5) Being a Leader; 6) How to Value Clients. Guest:  Joel Cadesky With more than 40 years of experience providing benefits and life insurance advice, Joel is known across the industry for his professionalism, passion and dedication to his valued clients. Joel started off his career teaching grade 7 & 8 before being drawn into the world of insurance, with his first role in 1978 with Crown Life. While he specializes in life and group insurance, Joel is also licensed and knowledgeable in property and casualty insurance and is RIBO licensed. Over the years, the line between “friend” and “client” has become blurred for Joel, due to the bonds that are created with many of his clients. He continues provide the highest level of service to his clients, always sharing his extensive knowledge with his warm and friendly smile. Outside of work, Joel has been an avid professional wrestling fan, as well as a passionate sports fan with a strong allegiance to the Detroit Red Wings. Joel prides himself on a strong sense of family and community and is always happy to talk politics, wrestling…or insurance! Contact: joel@scinsurance.ca LinkedIn

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. Contact: 203-304 Main Street South Suite #174, Airdrie, Alberta P 403.305.9284 E snielsen@raintreeFS.com W raintreeFS.com/sheila-nielsen

1) The Main Message of The Wealthy Buddhist. 2) A Philosophy. 3) A Beginner's Mind. 4) Right Livelihood. 5) An Entrepreneur. 6) Ability Trust and Integrity Trust. 7) Spending Mindfully. 8) Investing Mindfully. Rod Burylo, CIM, FCSI, is the Manager of EMD and IFM Services, and Chairs the Investment Review Committee, for Axcess Capital Advisors. He has worked throughout the financial services for a wide variety of companies in roles that include CCO, CFO and Director. For over 30 years, Rod has been designing and delivering continuing education as a writer and speaker on the topic of business ethics ethics and professional responsibility for several designation and registration categories, including CPA, CFP, PBA and IIROC. He is a 2004 Canadian Advisor of the Year Award winner, 2019 Champion of Financial Literacy Award Finalist, and author of three books, including The Wealthy Buddhist (2019). Rod also consults to boards and leadership teams on topics that include governance, communications strategy, and regulatory compliance. He has served on the board of public and private companies, as well as professional associations and not for profits, including the National Exempt Market Association, Foundation for the Advancement of Entrepreneurship, and the Public Business Accountants Society. Contact: Rod Burylo is on LinkedIn

1) Thinking About the Future. 2) The Importance of Goals. 3) Mentors. 4) A Definition of Success. 5) Learning from Adversity and Failure. 6) Self-Talk. 7) Communication Skills. 8) 3 Key Habits. 9) Deal With the Soft Issues. Guest:  John Askin John Askin is a founder and principal of the Wealth Strategy Group and Financial Transition Resources. He received his Bachelor of Commerce Degree from the University of Alberta and his Bachelor of Laws Degree from Osgoode Hall Law School. John is a member of the Law Societies of Alberta and British Columbia. In addition to advising high net worth individuals and families, John's corporate clients have included Sun Life, TD Evergreen, CIBC, Investors Group, the Berkshire Group, Manulife Financial, Scotia McLeod and the Hong Kong Bank. John currently consults with clients and professional advisors throughout North America in the areas of succession and transition planning. John is past president of the Estate Planning Council of Edmonton and is a current member of the Vancouver Estate Planning Council and the Canadian Tax Foundation. He has written for and presented papers to organizations such as the Canadian Tax Foundation, the Institute of Chartered Accountants, The Globe and Mail Newspaper, the Canadian Institute of Chartered Life Underwriters and the All China Lawyers Association, Beijing, China. John is co-author of Materials on Corporate Taxation and Materials on the Alberta Business Corporations Act and has authored articles in numerous publications including the Canadian Tax Journal and the Insurance Digest. He is also a regular contributor to the Insurance Planning Journal and author of the best-selling book “For Love Not Money”. Contact: Email: taxwiz@shaw.ca Website: www.wealthstrategy.ca

1) Expectations Before Retirement. 2) Expectations in Retirement. 3) A Time of Opportunity 4) A Time of Change. 5) Succession Planning. Chris has a leadership background with a focus in the fields of finance, taxation, and corporate governance. He has a history of involvement in start-ups and brings, in-the-trenches, business experience. While he has a penchant for compliance, reporting, and complex corporate arrangements, he also recognizes that each business environment is unique and tailors his approach to meet the needs of the business and balance the interests of its stakeholders. Chris was awarded as top Business Leader in Calgary by Business in Calgary Magazine for his work as Managing Partner of Pinnacle Accounting & Finance, a mid-sized professional firm, and for his involvement in the business community. Chris serves as a Director of the Public Business Accountants' Society of Alberta, is President and Director of the Foundation for the Advancement of Entrepreneurship, and a Trustee in the Medallion Health Trust. Chris's educational background includes a Bachelor of Commerce (Accounting) from the Haskayne School of Business at the University of Calgary. He completed the Certified Management Accountant program in 2013. During Covid, he finished a Masters of Laws (Business) from Osgoode Hall Law School at York University and is in the process of publishing his first paper on the law of corporate governance and business ethics. Chris has made some aggressive plans to retire before the age of 40 so that he and his wife can sail the world. Contact: Chris Burylo Managing Partner t: (403) 453-0532 x301 e: chris@pinnacleaf.ca Pinnacle Accounting & Finance www.pinnacleaf.ca/chris

1) Rod's Greatest Lesson. 2) A Little Help from a Friend. 3) Your State of Mind. 4) Eastern Influence. 5) Be Around the Right People. 6) Rod's Personal Legacy. Guest:  Rod Burylo Rod Burylo, CIM, FCSI, is the Manager of EMD and IFM Services, and Chairs the Investment Review Committee, for Axcess Capital Advisors. He has worked throughout the financial services for a wide variety of companies in roles that include CCO, CFO and Director. For over 30 years, Rod has been designing and delivering continuing education as a writer and speaker on the topic of business ethics ethics and professional responsibility for several designation and registration categories, including CPA, CFP, PBA and IIROC. He is a 2004 Canadian Advisor of the Year Award winner, 2019 Champion of Financial Literacy Award Finalist, and author of three books, including The Wealthy Buddhist (2019). Rod also consults to boards and leadership teams on topics that include governance, communications strategy, and regulatory compliance. He has served on the board of public and private companies, as well as professional associations and not for profits, including the National Exempt Market Association, Foundation for the Advancement of Entrepreneurship, and the Public Business Accountants Society. Contact: Rod Burylo is on LinkedIn

1) The Importance of Setting Goals. 2) The Meaning of Success. 3) Setting Yourself Apart from the Competition. 4) Being in the Right Environment for Success. 5) 3 Habits for Success. Guest:  Rod Burylo Rod Burylo, CIM, FCSI, is the Manager of EMD and IFM Services, and Chairs the Investment Review Committee, for Axcess Capital Advisors. He has worked throughout the financial services for a wide variety of companies in roles that include CCO, CFO and Director. For over 30 years, Rod has been designing and delivering continuing education as a writer and speaker on the topic of business ethics ethics and professional responsibility for several designation and registration categories, including CPA, CFP, PBA and IIROC. He is a 2004 Canadian Advisor of the Year Award winner, 2019 Champion of Financial Literacy Award Finalist, and author of three books, including The Wealthy Buddhist (2019). Rod also consults to boards and leadership teams on topics that include governance, communications strategy, and regulatory compliance. He has served on the board of public and private companies, as well as professional associations and not for profits, including the National Exempt Market Association, Foundation for the Advancement of Entrepreneurship, and the Public Business Accountants Society. Contact: Rod Burylo is on LinkedIn

1) The Importance of a Vision for Retirement. 2) Maintaining Discipline in Retirement. 3) A Time of Urgency. 4) A Retirement Blueprint. Chris has a leadership background with a focus in the fields of finance, taxation, and corporate governance. He has a history of involvement in start-ups and brings, in-the-trenches, business experience. While he has a penchant for compliance, reporting, and complex corporate arrangements, he also recognizes that each business environment is unique and tailors his approach to meet the needs of the business and balance the interests of its stakeholders. Chris was awarded as top Business Leader in Calgary by Business in Calgary Magazine for his work as Managing Partner of Pinnacle Accounting & Finance, a mid-sized professional firm, and for his involvement in the business community. Chris serves as a Director of the Public Business Accountants' Society of Alberta, is President and Director of the Foundation for the Advancement of Entrepreneurship, and a Trustee in the Medallion Health Trust. Chris's educational background includes a Bachelor of Commerce (Accounting) from the Haskayne School of Business at the University of Calgary. He completed the Certified Management Accountant program in 2013. During Covid, he finished a Masters of Laws (Business) from Osgoode Hall Law School at York University and is in the process of publishing his first paper on the law of corporate governance and business ethics. Chris has made some aggressive plans to retire before the age of 40 so that he and his wife can sail the world. Contact: Chris Burylo Managing Partner t: (403) 453-0532 x301 e: chris@pinnacleaf.ca Pinnacle Accounting & Finance www.pinnacleaf.ca/chris

1) The Terminal Tax Return. 2) The Various Forms of Income. 3) How the CRA Treats RRSP & RRIF Funds. 4) Strategies to Defer Tax on Registered Funds. 5) How the CRA Treats Pension Funds. 6) How the CRA Treats TFSA Funds. 7) How the CRA Treats Capital Property. 8) Strategies to Defer Tax on Capital Property. 9) How the CRA Treats Foreign Property. Michelle is a member of MNP's Tax Services team in Edmonton specializing in Trust and Estate Planning. Michelle delivers advanced tax advice and solutions to individuals, trusts, business owners and corporations at all stages of corporate growth, from start-up to succession planning, helping them realize their goals. Michelle provides her clients with the information and tools they need to make the best decisions possible, both for today and for the long term. Michelle's services include trust, estate and post-mortem planning, succession planning, tax planning for retirement, corporate reorganizations, and providing support in CRA audits, reviews and appeals, including submissions under the Voluntary Disclosure Program. She prepares and reviews personal, corporate, and trust income tax returns, and helps executors navigate their responsibilities in administering an estate. Michelle is a Chartered Professional Accountant (CPA), qualifying as a Chartered Accountant (CA) in 2013. She completed CPA Canada's In-Depth Tax Course in 2017 and received the Trust and Estate Practitioner (TEP) designation through the Society of Trust and Estate Practitioners in 2019 and Canadian Institute of Certified Executor Advisors (CEA) designation in 2020. Michelle mentors students who are working through the Chartered Professional Accountants (CPA) program and preparing for the CPA Common Final Examination and STEP candidates preparing for module exams. She is a board member of Fringe Theatre Adventures, board member (deputy chair 2021) of the Society of Trust and Estate Practitioners (STEP) Edmonton and chair of the Member Services Committee of STEP Canada. Michelle was named STEP Edmonton Volunteer of the Year in 2019. Michelle D. Coleman, CPA, CA, TEP, CEA PARTNER, TAXATION SERVICES DIRECT 780.733.8622 PH. 780.451.4406 FAX 780.454.1908 TOLL FREE 1.800.661.7778 Suite 1600-10235 101St N.W., Edmonton, AB T5J 3G1 michelle.coleman@mnp.ca mnp.ca

1) Sole Proprietor versus Incorporation. 2) Financial Advisor as an Employee. 3) Salary Income versus Dividend Income. 4) Deduction of Basic Expenses. 5) Meals and Entertainment. 6) Membership Fees. 7) Current Expenses versus Capital Expenses. Irfanali started his accounting practice in 2011 after completing his designation with Deloitte. As an entrepreneur at heart he feels the foundation of a strong business lies in its numbers and that is what drove him to accounting. His passion has allowed him to scale his firm, RMI Professional Corporation to a team of over 25 staff and servicing over 1500 clients annually. He has extensive knowledge in small business accounting working with various corporations and individuals including some financial advisors. Irfanali tries to live a balanced life as he is a proud husband and father of two, in his spare time he enjoys all things business and sports, mainly hockey. Irfanali Moledina Managing Partner RMI Professional Corporation 203 - 2916 19th St. NE Calgary, AB T2E 6Y9 Phone: (403) 457-4232 Email: info@rmiassociates.com Website: www.accountantscalgary.com

1) What is a personal trust? 2) Why use a personal trust? 3) The parties involved in a personal trust. 4) What is a testamentary trust? 5) How a testamentary trust can be used. 6) What is an inter vivos trust? 7) How an inter vivos trust can be used. 8) How a financial advisor can speak to a client about trusts. Guest: Shannon James, Associate Carscallen LLP Shannon is an Associate with Carscallen LLP in Calgary. Shannon has represented clients in a variety of estate, trust and incapacity matters including the roles and duties of executors, trustees, guardians, attorneys and agents. She has also been involved with the interpretation and validity of wills, the removal and replacement of personal representatives and trustees, and the interpretation, variation, and termination of trusts. Shannon is a member of the Law Society of Alberta, the Society of Trust and Estate Practitioners (STEP), the Canadian Tax Foundation (CTF), the Canadian Bar Association, and the Calgary Bar Association. Contact: Centrium Place 900, 332 6 Avenue SW Calgary, Alberta T2P 0B2 Phone: (403) 298-8445 Fax: (403) 262-2952 Email: James@carscallen.com Website: www.carscallen.com

1) What is a funeral? 2) A public funeral or a private funeral. 3) The purpose of a funeral home. 4) The services a funeral home provides. 5) Documentation involved with a funeral. 6) The costs associated with a funeral. 7) The benefits of a pre-arranged funeral. 8) How a financial advisor can help their clients prepare. Guest: Kathy Cloutier Kathy Cloutier has been a funeral director with McInnis and Holloway Funeral Homes for many years and is currently the Community Relations manager. Kathy began her career in the funeral business after her own profound grief of being widowed at a young age. Kathy considers it a privilege to serve people at a very difficult time. Contact Information: k.cloutier@mhfh.com www.mhfh.com (403) 241-0044

1) Is a hand written letter a holograph will? 2) Challenges against the executor. 3) Being clear as to what “grandchildren” means. 4) The death of a business owner. 5) Common disaster scenario. Guest: Paul E. Reid, Partner at Carscallen LLP in Calgary, Alberta. Paul has litigation practice focused primarily on wills, trusts, and estate litigation. Paul also has a busy commercial litigation practice and a passion for Indigenous law. Paul has represented both individuals and financial institutions in the Court of Queen's Bench Alberta and the Court of Appeal of Alberta in estate matters involving the removal and replacement of Personal Representatives, Guardians and Trustees, as well as in matters of Will and Trust interpretation, the validity of holograph wills, compensation for Personal Representatives and Trustees, beneficiary designations, breach of trust allegations, challenges to inter vivos gifts, Dependent Support and Relief claims, Family Maintenance and Support claims and creditors' claims against estates. Paul has argued applications for the re-sealing of foreign grants, the conveyancing of real property, and the completion of distributions to beneficiaries. Paul provides advice to Trustees and Guardians of represented adults. Paul advises clients on issues arising under Personal Directives and Enduring Powers of Attorney. Paul has appeared before all levels of court in Alberta, British Columbia, and Federal Court, in addition to various regulatory boards. Contact Information: Centrium Place 900, 332 6 Avenue SW Calgary, Alberta T2P 0B2 Phone: (403) 298-9281 Fax: (403) 262-2952 Email: reid@carscallen.com Website: www.carscallen.com

- What is a Power of Attorney? - Why have a Power of Attorney? - What if there is no Power of Attorney in place? - What does a bank's Power of Attorney do? - Coercion and Powers of Attorney. - Examples of misuse of a Power of Attorney. Guest: Jennifer Lamb. Jennifer is a partner with Calgary law firm Carscallen LLP. Jennifer has helped clients in a variety of estate matters including the preparation of wills, powers of attorney, and personal directives. She has also provided advice on the role of executor, guardianship, and trustee. Jennifer has dealt with many estate planning matters regarding the interpretation and validity of wills and beneficiary designations, breach of trust allegations, the removal and replacement of executors and creditor's claims against an estate. Jennifer is a member of the Law Society of Alberta, the Canadian Bar Association, the Calgary Bar Association and the Estate Planning Council of Calgary. Contact: Jennifer R. Lamb, Carscallen LLP. Centrium Place 900, 332 6 Avenue SW Calgary, Alberta T2P 0B2 Phone: (403) 298-8455 Fax: (403) 262-2952 Email: Lamb@carscallen.com Website: www.carscallen.com

1) Role of Executor. 2) Selection of Executor. 3) Compensation of Executor. 4) Protection of Executor. 5) Testamentary Trusts. 6) Guardians. 7) Investment Powers of Trustee. Guest: Jonathan Ng. Jonathan practices at Underwood Gilholme Estate Lawyers, a group that works exclusively in estate matters. He assists clients in the preparation of wills, enduring powers of attorney, personal directives, and trusts.  He also advises executors and attorneys on the administration of estates.  Jonathan is experienced in Court applications for grants of probate and administration, and has appeared before the Court on the validation of non-compliant wills and family maintenance and support. Over the past several years, Jonathan has provided seminars at the Kerby Centre, the Canadian Association of Gift Planners, and various financial institutions.  He has appeared on CBC Radio to discuss the importance of having a Will and other estate topics.  Jonathan is a member of the Canadian Bar Association South Alberta Wills and Trusts Section and the Estate Planning Council of Calgary. Contact: Underwood Gilholme Estate Lawyers Phone  (403) 288-8855 Email     jonathan.ng@willsandestates.ca

1) Why Have a Will? 2) Will Terminology. 3) Types of Wills. 4) Marriage and Divorce. 5) Assets outside Home Jurisdiction. 6) Financial Planners and Wills. Guest: Jonathan Ng. Jonathan practices at Underwood Gilholme Estate Lawyers, a group that works exclusively in estate matters. He assists clients in the preparation of wills, enduring powers of attorney, personal directives, and trusts.  He also advises executors and attorneys on the administration of estates.  Jonathan is experienced in Court applications for grants of probate and administration, and has appeared before the Court on the validation of non-compliant wills and family maintenance and support. Over the past several years, Jonathan has provided seminars at the Kerby Centre, the Canadian Association of Gift Planners, and various financial institutions.  He has appeared on CBC Radio to discuss the importance of having a Will and other estate topics.  Jonathan is a member of the Canadian Bar Association South Alberta Wills and Trusts Section and the Estate Planning Council of Calgary. Contact: Underwood Gilholme Estate Lawyers Phone  (403) 288-8855 Email     jonathan.ng@willsandestates.ca

1) What is a business coach? 2) How is a business coach different from an employee's manager? 3) How is a business coach different from an accountability partner? 4) Why reading books alone may not be enough. 5) Knowing your clients business. 6) Where to start in the coaching process. 7) Helping clients change their thinking. 8) How coaching can help in different situations. Guests: Michelle Neustaedter. Michelle is an entrepreneur whose goal it is to help others succeed. She is a mother of 4 and has been growing people for the last 10 years. Michelle holds a master's degree in Psychology and is certified as a counsellor (CCPA), coach (JMT), and trainer (JMT). During the course of her career, she has walked with people through some of their toughest times. She has been invited into people's most private moments and has had the privilege of seeing significant success and change. Having been through her own series of challenges, both personal and professional, she is able to better understand some of the difficulties companies and individuals can face. She brings the fruit of her training, extensive study and reflection, and life experience to her work. Contact: P: 403.679.2683 | E: michelle@michelleneustaedter.com Schedule a consult at www.schedulicity.com/scheduling/EESEAA Podcast: motivation moments with Michelle Blog: https://livethefulfilledlife.wordpress.com/

1) Explore the difficulty of recruiting women into this field. 2) How much does history have an impact on this challenge? 3) How do we balance the numbers going forward? Guests: Meghan Vallis, VP for Western Canada for Equitable Life; Libby Wildman, partner at Davis Rea Ltd. Meghan Vallis As the Group Sales Vice President for Western Canada at Equitable Life Meghan Vallis leads the Western sales team. She is passionate about helping Advisors succeed to transform their client's employee benefit experience to what Meghan calls braggable benefits. Her 15-year career has been centered around three pillars: building meaningful relationships, embracing innovative technology and solutions, and harnessing the potential in others to achieve strategic goals while also supporting them as an individual. https://www.equitable.ca/ Libby Wildman Libby Wildman, is a partner of Davis Rea Ltd. and creator of Liminal Escapes. Libby's approach to building a business in the financial services industry is centered around the whole person and creating a relationship with them. She has been in this business for over 3 decades and has mentored many and involved in a number of charities. https://davisrea.com/

1. The beginning of Trufla. 2. Helping brokers to be found on the internet. 3. Setting a broker up for success. 4. Increasing efficiency with technology. 5. Why Egypt? Guest: Sherif Gemayel Sherif is an entrepreneur who is passionate about disrupting the traditional way insurance is done. He uses trends from other industries to help navigate through this unchartered territory, which has led him to build one of the most innovative brokerages in Canada; Sharp Insurance. The knowledge and firsthand experience he has gleaned from Sharp Insurance inspired him to launch Trufla Technology which provides brokers with a complete digital transformation solution their brokerages. Contact: LinkedIn: @sherifgemayel Email: sherif.g@trufla.com Website: https://www.trufla.com/

1) Why to always go above and beyond. 2) 17 tips for building your business (some are): - Enjoy yourself; - Your word is your bond; - Your to-do list; - Respect your competitors. Guest: Joel Cadesky Joel was born and lived in Owen Sound Ont until he went to University of Guelph where he graduated with a general BA with a sociology major. He continued his education by going to teacher's college at Western University and then taught for several years in Aylmer, Ontario. In 1978 Joel started a new career in the insurance industry and moved his family to Toronto. Joel has successfully built his business and career and continues to sell group benefits and also individual products such as life insurance, mortgage insurance, income replacement insurance and critical illness insurance to name a few. In his off time, he is an avid sports enthusiast watching baseball, hockey, basketball and golf on TV. He has an avid interest in watching the entertainment provided by Professional Wrestling- having been to 3 Wrestlemanias-#6,11 and 18. Contact Info: email: joel@scinsurance.ca phone: 416-414-0309

1) The creation of Canadian Group Insurance Brokers. 2) The importance of having a mentor. 3) Never stop asking questions. 4) Even one person can make lasting change. 5) Outsourcing tasks you're not strong in. 6) The advantages to specializing. Guest: Dave Patriarche-Employee Benefits Specialist, Association Founder, Educator & Bestselling author. Dave Patriarche founded Mainstay in 1996 to provide employee benefits to small business. A strong believer in continuing education in this area, he started a small networking group in 2003, which evolved into Canadian Group Insurance Brokers, an organization dedicated to supporting continuing education for the benefits industry. Dave is recognized as a leader in the benefits industry, a contributor to industry publications, a mentor and resource to benefit brokers and an active participant in industry think tank groups. Contact: Email: dave@mainstayinsurance.ca Phone: (905) 886-9203 or 1-877-624-6789 Websites: https://www.mainstayinsurance.ca/, https://cgib.ca/, http://sellingbenefits.ca/

1) Discuss his book "Selling Benefits". 2) Selling Group Benefits to small and medium sized businesses. 3) When to walk away from a client. 4) Why rate shopping hurts the client. 5) The benefits of educating your clients. 6) The importance of storytelling. Guest: Dave Patriarche-Employee Benefits Specialist, Association Founder, Educator & Bestselling author. Dave Patriarche founded Mainstay in 1996 to provide employee benefits to small business. A strong believer in continuing education in this area, he started a small networking group in 2003, which evolved into Canadian Group Insurance Brokers, an organization dedicated to supporting continuing education for the benefits industry. Dave is recognized as a leader in the benefits industry, a contributor to industry publications, a mentor and resource to benefit brokers and an active participant in industry think tank groups. Contact: Email: dave@mainstayinsurance.ca Phone: (905) 886-9203 or 1-877-624-6789 Websites: https://www.mainstayinsurance.ca/, https://cgib.ca/, http://sellingbenefits.ca/

1) The importance of education for financial advisors. 2) The importance of title regulation for financial advisors. 3) What Advocis does for its members. Guest: Greg Pollock is the President and CEO of Advocis, The Financial Advisors Association of Canada. Greg is responsible for providing effective strategic leadership and direction and oversees all aspects of Advocis's day-to-day activities. He is also the Chief Operating Officer of The Institute, the leading designation body in Canada for financial services practitioners in the areas of wealth transfer, estate planning and living benefits. Prior to joining Advocis in 2008, Greg was general secretary of the 43,000-member Ontario English Catholic Teachers' Association (OECTA). Greg is a CERTIFIED FINANCIAL PLANNER® Professional and has a Chartered Director designation from McMaster University's DeGroote School of Business. He has both a Master of Laws degree from York University's Osgoode Hall Law School and a Master of Educational Administration from the University of Toronto. In 2012, he was awarded the Diamond Jubilee Medal for his contribution to the teaching profession in Canada. Contact: gpollock@advocis.ca https://myadvocis.ca/

1) Financial literacy for 14 - 18yrs old. 2) Approaches to take when introducing financial literacy. 3) Some important financial management principles. 4) What is compound interest? 5) What is dollar cost averaging? 6) Explanation of a Family Office. 7) The benefit to an advisor. Guest: Alphil Guilaran, Co-Founder at Financial Literacy Counsel (FLC). Alphil was born and raised in Vancouver by immigrant parents from the Philippines. Alphil graduated from University of British Columbia with a degree in Political Science in 2000. He has worked for both CIBC World Markets and RBC Capital Markets. Alphil has a passion to "build financially literate generations" through teaching and financial coaching. He teaches financial literacy with a unique emphasis on helping Canadians get their financial houses in order, become retirement ready, and train heirs and beneficiaries to be financially responsible. Alphil is a lifetime member of the Million Dollar Roundtable. Contact: alphil@flci.ca www.flci.ca

1) Why it's important to start the education of financial literacy early in life. 2) 3 steps to good money management habits. 3) How an independent advisor can add value in this process. Guest: Alphil Guilaran, Co-Founder at Financial Literacy Counsel (FLC). Alphil was born and raised in Vancouver by immigrant parents from the Philippines. Alphil graduated from University of British Columbia with a degree in Political Science in 2000. He has worked for both CIBC World Markets and RBC Capital Markets. Alphil has a passion to "build financially literate generations" through teaching and financial coaching. He teaches financial literacy with a unique emphasis on helping Canadians get their financial houses in order, become retirement ready, and train heirs and beneficiaries to be financially responsible. Alphil is a lifetime member of the Million Dollar Roundtable. Contact: alphil@flci.ca www.flci.ca

1) Next Insurance and Amazon. 2) Buying business insurance in the online world and if this is an option for Canadians. 3) Are home insurance add-ons sufficient? 4) Why it’s important to have a knowledgeable broker. 5) How can an independent broker remain relevant if business insurance continues to move online. 6) Interpreting the high valuation of Next Insurance. Guest: Tom Reid. Tom has spent more than a quarter of a century in a variety of leadership positions in the Canadian P & C industry. His background includes software development, finance, underwriting, business development, digital marketing, running a large brokerage, as well as a stint as the president of a startup digital technology firm. Tom also spent a decade volunteering with high performance athletes, including 4 years as President of Ski Jumping Canada which was capped off with the honour of being the Canadian team leader for ski jumping at the 2018 Winter Olympics. Contact: For DX information/assistance treid@ibac.ca, tom@grtr.consulting

1) Brief history of MDRT. 2) Worldwide membership. 3) What it takes to become a member. 4) About MDRT Academy. 5) Advantages of membership. 6) After qualifying, what's next? 7) How membership has helped both personally and professionally. Guest: Regina Bedoya, CLU, ChFC. Regina Bedoya has been a member of MDRT for 28 years and is their Immediate Past President. She also has 7 Court of the Table and 4 Top of the Table honours. She is a Platinum Knight of the MDRT Foundation and a member of its Inner Circle Society. Regina is president of RB Financial Advisors, a financial consulting firm specializing in retirement and insurance planning. Her volunteerism within MDRT includes speaking at several Annual Meetings and international industry conferences. She has been the recipient of the Irvin Konter Award, was named Prudential Palm Beach’s Agent of the Year twice, and is the recipient of the American Free Enterprise Companion Medal awarded by Palm Beach Atlantic University. Contact: MDRT.org

1) Do you want to be a generalist or a specialist? 2) Looking for opportunities to prospect. 3) Some steps in building that relationship. 4) Shortening the gap in relationship building. 5) The importance of continuing education. 6) How to use social media. Guest: Libby Wildman, the founder of Wildman & Associates. Libby has over 34 years of financial services and planning experience. She is the founder of Wildman & Associates, a highly successful Holistic wealth management firm that provided a comprehensive set of financial services and life management products. She merged her firm with Davis Rea Ltd in 2018 and became a senior partner, in order to round out her offering of also managing clients investments. A one stop story shop as she calls it. Libby is a lifetime member of ADVOCIS and CALU. In 2020 she became the creator of Liminal Escapes where she brings small groups of adventurers together with experts/leaders for transformational experiences. When people connect and create memories, they will share and relive them for years to come. 10 years ago Libby also founded a women's entrepreneur community called The Collective . In 2014 she was nominated as a Woman of Influence in the Insurance and Investment Journal and is a sought after speaker and thought leader. She lives in Toronto with her Life and business Partner at Davis Rea Ltd John O'Connell and 3 awesome kids. Contact: Email: lw@davisrea.com Cell: 416-803-9255 Office: 416-324-2205 Fax: 416-324-2201 Toll free: 1-877-391-9929 www.davisrea.com | www.davisreablog.wordpress.com  

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 TheStreet.com, 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. Contact: https://contrarianedge.com/ https://imausa.com/

1) What Concentra Trust is. 2) Estate planning and trust services with a broker. 3) Identifying the right client for this service. 4) Bringing in the experts. Guest: Jandy John, the Director of Business Development at Concentra Trust. Jandy is a trust professional with extensive experience managing fiduciary appointments involving a broad range of structures including trusts, estates, guardianships, powers of attorney and corporations. Jandy is well versed in creating comprehensive technical and tax efficient estate planning solutions that brings together the personal and emotional objectives that often influence estate, trust, and incapacity planning. Because Jandy has experiences at several major financial institutions and leading trust companies, she draws from a wide range of best practices an provide pragmatic and customized solutions. Jandy is also an advocate of helping women advance in the trust industry. Contact: P: 647-524-7269 E: jandy.john@concentra.ca concentra.ca

1) How to use insurance to mitigate taxes in a corporation. 2) What to be aware of when setting up an insurance policy from a tax perspective. 3) Why it's important to include a tax expert as part of the financial planning team. 4) Further suggestion for ensuring taxes are taken care of. 5) Other services MNP provides. Guest: Aina Potts, CPA, CA, is a Business Advisor with MNP’s Tax Services team in Red Deer. Focusing on specialty tax, Aina works with businesses in various industries, including family farms and professionals, helping them maximize wealth and minimize tax so they can achieve their business and personal goals. Aina draws on a decade of experience to help clients with the tax aspects of corporate restructuring, succession and estate planning. As a trusted advisor, she gets to know clients and their operations so she can deliver reliable, efficient tax advice and solutions customized to their unique situations. After receiving a Business Administration Diploma, with Distinction, from Red Deer College, majoring in accounting, Aina earned a Bachelor of Management degree, with Distinction, from the University of Lethbridge. She is a Chartered Professional Accountant (CPA), qualifying as a Chartered Accountant (CA) and has completed Level II of CPA Canada’s In-depth Tax Course. Contact: email: aina.potts@mnp.ca phone: 403-346-8878 TOLL FREE 1.877.500.0779 Mailing Address: 4922 - 53 St. Red Deer, AB T4N 2E9

1) How FLC began and why they discovered the importance of teaching financial literacy. 2) Who FLC serves. 3) What is a family office. 4) Why teaching multi generations about financial literacy is important in preserving and building wealth. 5) The different financial literacy programs in elementary schools, high schools, and Universities. 6) Final thoughts and suggestions. Guest: Alphil Guilaran, Co-Founder at Financial Literacy Counsel (FLC). Alphil was born and raised in Vancouver by immigrant parents from the Philippines. He graduated from University of British Columbia with a degree in Political Science in 2000. He has worked for both CIBC World Markets and RBC Capital Markets. Alphil has a passion to "build financially literate generations" through teaching and financial coaching. He teaches financial literacy with a unique emphasis on helping Canadians get their financial houses in order, become retirement ready, and train heirs and beneficiaries to be financially responsible. Aside from setting up financial literacy programs in and around Vancouver, Alphil is a lifetime member of the Million Dollar Roundtable. Contact: Website: flci.ca Email: education@flci.ca Phone: 604-620-6630

- Why social media is important to the financial services industry. - Finding the sweet spot in the number of posts per day. - Engaging your followers. - Which platform works best for financial services. - The value of paid ads. - How else to engage with your network and connections. Guest: Megan Lockhart, the founder of a digital marketing company Hello Life Academy. Megan is a mother of two, dog owner, online store owner and volunteers her time with the women’s shelter local to her area. She loves helping small business owners understand and create amazing marketing plans that increase their audience size ultimately increasing their sales. Contact: You can find Megan at www.hellolifeacademy.com.

1) How a referral arrangement works. 2) Who you would want to set up an arrangement with. 3) Some of the advantages of a referral arrangement. 4) Some of the disadvantages. 5) Who do you use and how many referral partners do you have. 6) What to do when you just want to remain in the Insurance Industry. Guest: David LeNevue, Chartered Investment Manager, a Certified Executor Advisor, an active member of the Independent Financial Brokers of Canada, and a member of the Million Dollar Roundtable. David went to University in New York where he had an outstanding academic and athletic career. For those hockey fans amongst us – David was also a professional goaltender in the NHL playing with the Phoenix Coyotes, Anaheim Ducks, and Columbus Blue Jackets before ending his career with the New York Rangers in the Stanley Cup Finals in 2014. Contact info: david@rockmoorwealth.com https://rockmoorwealth.com

1) The importance of being prepared to file your tax return. 2) When to start thinking about taxes. 3) The first step in preparing a tax return. 4) When to expect to receive documents. 5) What to do when you don't get all the slips. 6) An overview of MyAccount with the Government of Canada. 7) What's involved in e-filing your tax return. 8) Why audits happen. 9) Common mistakes made on tax returns. Guest: Natalie Yunes, Bachelor of Business Administration, Chartered Professional Accountant and a Certified General Accountant. 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. Contact Info: natalie@taxwelldone.com www.taxwelldone.com  

1) Discuss John's  and what inspired him to write it. 2) The difference between a wealth strategy plan and an estate plan. 3) How to simplify the estate planning process. 4) The significance of unanticipated events. 5) The dangers of relying solely on a Will based estate plan. 6) The training to specialize in estate planning. 7) The role insurance plays in estate planning. 8) Will kits. 9) Other tools in the estate planning toolkit. Guest: John Askin, the founder of Wealth Strategy Group. John has degrees in both Commerce and Law and is a member of the Law Societies of both Alberta and British Columbia. In addition to advising high net worth clients and families, John also works with corporate clients Sun Life, TD Evergreen, CIBC, Investors Group, the Berkshire Group, Manulife Financial, Scotia McLeod, and the Hong Kong Bank. He is the past president of the Estate Planning Council of Edmonton and current member of the Vancouver Estate Planning Council and the Canadian Tax Foundation. He has written papers for both domestic and international publications. His book "For Love, Not Money" is a great resource for those that don't realize the importance of a well constructed estate plan. Contact: The Wealth Strategy Group http://wealthstrategy.ca/ email: taxwiz@shaw.ca, taxwizjohn@gmail.com phone: 604-531-0814

1) Defining insolvency and bankruptcy. 2) Some steps to take for businesses to avoid bankruptcy. 3) Steps to prepare for bankruptcy. 4) How a bankruptcy impacts insurance. 5) How a bankruptcy impact a personal and business ability to get credit again. 6) The advantage of legal representation during a bankruptcy. 7) The change in creditor flexibility during 2020. Guest: Michael Loberg, Barrister & Solicitor. Michael Loberg has been practicing law for over 20 years specializing in commercial litigation and dispute resolution, insolvency, and restructuring. He became and Attorney-at-Law for the Cayman Islands in 2006, and a Solicitor for the High Court of England and Wales in 2008 (active in Alberta only). Michael has represented a number of large companies in the areas of receivership, bankruptcies, and restructuring. As well, he has international insolvency and litigation representations including complex multi-jurisdictional commercial litigation with particular emphasis on financial, securities and derivatives litigation, corporate and partnership litigation, fraud recovery and related remedies, international and domestic enforcement of judgments, and dealing with related recovery issues. Contact: Loberg Law 1000 Bankers Hall West 888 – 3rd Street SW Calgary, AB T2P 5C5 Phone: (403) 457-6680 Website: https://loberg-law.com/

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. Contact: scottg@customplanfinancial.com  

1) Benefits of an Insurance broker 2) Home based vs small business 3) What a business owner needs to think about when considering insurance needs 4) What affects insurance pricing 5) Role of a broker in a claim situation 6) Pandemic considerations 7) Advice & Recommendations Guest: Paul VanderHooft, B Comm, CIP, CAIB. Paul is a married father of 2, who started in the insurance business in Manitoba. He has been in the insurance industry for over 20 years and has many accomplishments to his name. He achieved his Canadian Accredited Insurance Broker (CAIB) designation, the Chartered Insurance Professional (CIP) designation, he is a Past President of the Insurance Brokers Association of Alberta, and he is the Alberta Director of the Insurance Brokers Association of Canada.  He is the Commercial Manager with Westland Insurance in Lethbridge, Alberta. Westland Insurance has been in business for over 40 years and they are now coast to coast having just expanded to Nova Scotia and Quebec, to add to their locations in Ontario, Manitoba, Saskatchewan, Alberta, and BC. Westland Insurance now employs well over 1600 employees. Contact information: Website: https://www.westlandinsurance.ca/ Email: pvanderhooft@westlandinsurance.ca Lethbridge office: 403-328-7777

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 Journal. Website: https://laurensergy.com Video Conference Skills Course: https://laurensergy.com/videoconferenceskills/

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. connect@peterspeers.com and 604-899-1212.  

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 natalie@taxwelldone.com or (416)-895-7749.

  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. 6)  Endorsed by CSIO. 7)  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 support@signority.com or call 1-833-222-1088 and mention Financial Podcast.