The Unlimited Podcast by Ginsler Wealth

In the wake of the Canadian federal election and a tumultuous April, on this episode of The Unlimited Podcast, Brian speaks with Jon Love, Executive Chair and Founder of KingSett Capital. You may recognize Jon from his prolific LinkedIn posts, where he frequently shares his insight on politics, Canada's priorities, and much more. Brian and Jon discuss the founding of KingSett, Jon's thoughts on the election outcome, Canada's path forward under Prime Minister Mark Carney, and more!Jon Love is the Executive Chair and Founder of KingSett Capital, Canada's leading private equity real estate investment business – now with a staff of 170 professionals in three offices, and AUM of $18 billion.After graduating with an HBA from Ivey Business School, in 1976, Jon joined Scotia McLeod in Edmonton as a retail stockbroker, then joined Oxford Properties in 1980, eventually becoming President in 1987 and CEO in 1992. In 1995, Jon took Oxford public and 6-years later, in 2001, Oxford was privatized by OMERS in a $4 billion transaction.In 2002, 6 months after “going dark”, Jon founded KingSett Capital.Jon graduated with an Honours degree in Business Administration from Western University's Ivey Business School, where he is an Emeritus Advisory Board member. In 2016 he was awarded an Honorary Doctorate from Western University. Jon is a member of the Business Council of Canada, the Chief Executives Organization, and YPO. In 2023, Jon received the Ivey Business Leader of the Year Award, the NAIOP Rex Icon Lifetime Achievement Award and in 2024 the Fraser Institute's Founders Award. In 2018, Jon was awarded the Order of Canada.Timestamps0:00 Disclaimer & Intro5:51 Running Oxford in the 80s & 90s10:21 Jon's favourite times in his career12:00 Knowing when to sell a business15:58 Founding KingSett after "Going Dark"17:33 KingSett today vs. 20 years ago19:38 Why does KingSett only operate in Canada?22:00 Operating while being "Terrified"24:38 Jon's biggest lessons28:25 Implementing a succession plan33:06 Jon's view on the Canadian federal election40:00 Jon's recommendations for a housing plan45:52 Investing outside of KingSett47:30 Playing Offence48:46 If Jon could do anything, what would it be?50:30 Outro

Check out this trailer featuring some highlights from episode 52 of The Unlimited Podcast: Straight Talk with Gerald Sheff.In this interview with Brian's former boss, Brian and Gerald discuss Gerald's path to becoming an architect, meeting Ira Gluskin and the founding of Gluskin Sheff, what to do in times of uncertainty, and more!For the full episode and more, visit ginslerwealth.com/podcast.

From Brian Ginsler, Ginsler Wealth CEO: "While I am still not sure how I got into Harvard Business School back in 2001, once on campus I was constantly amazed by the caliber of speakers the school could attract. But at HBS, no visiting speaker generated more excitement than the Greatest Investor in the World – Warren Buffett. I have been following Buffett's musings since leaving HBS. Each year, Buffett pens his annual letter to Berkshire Hathaway shareholders. And for the past many years, I have written a standalone Ginsler Wealth commentary on each of Warren's letters.Buffett's latest letter was released on February 22, amid one of the most volatile and uncertain calendar quarters, perhaps in history; and I wrote this letter after the first week of April with Trump's Tariffs roiling global markets. As usual, Buffett's letter contains some very important themes and lessons. As such, I thought I'd connect The Oracle of Omaha's latest insights to today's investing environment—and how we're applying them in managing client portfolios at Ginsler Wealth."For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-first-quarter-2025-client-letter-warren-buffett-edition/

In this episode of The Unlimited Podcast, our Lessons with Legends series continues as we welcome Brian's former boss, Gerald Sheff, Co-Founder of Gluskin Sheff + Associates Inc., once one of Canada's pre-eminent wealth management firms. This is a special episode highlighting Gerry's "straight-talking" ways as he recounts:His path to becoming an architect: "I didn't know anything about architecture. I thought, well, it's something I don't know anything about. So I didn't know, I didn't want to be one. So I thought, well, maybe I'll become one."His early working years: "...they thought I knew something. And I didn't tell them I didn't."His first thoughts on hearing about his eventual employer Cadillac Fairview: "I thought anybody who would call themselves 'Cadillac' is probably a Chevrolet."The story of meeting Ira Gluksin and the formative idea of Gluskin Sheff: "We decided to be a very boutique firm and to differentiate ourselves from all the vanilla money management operations that existed at the time.", andWhat he's learned to do in uncertain times: "Doing nothing is often the best thing to do". (A familiar message to those who follow Ginsler Wealth's thinking as well)....And many other insights and words of wisdom. You don't want to miss this one!Gerry Sheff graduated from the School of Architecture at McGill University in 1964, and received his MBA from Harvard Business School in 1971. Following this, he joined Cadillac Developments in Toronto, which later become Cadillac Fairview, playing a number of key roles with that firm. In 1984, he left and with his partner Ira Gluskin, founded Gluskin Sheff, which went on to become one of the most successful investment firms in Canada.Timestamps0:00: Disclaimer & Intro4:20: Gerry's Architecture Degree15:17: Beginnings of Gerry & Ira24:16: Why take a different approach with Gluskin Sheff? 32:52 Gerry & Ira's changing investment philosophy40:18 The Award Winning Treehouse46:52 Gerry's Philanthropic Philosophy48:53 Upgrading Your Thinking52:05 Gerry's advice on investing in troubling times55:04 If Gerry could do anything, what would it be?56:39 Outro

In this episode in our Lessons with Legends series, on The Unlimited Podcast, we welcome David Kassie, Chairman of Outcome Asset Management and Chairman Emeritus of Canaccord Genuity. Brian and David discuss David's journey to becoming Chairman and CEO of CIBC World Markets, the founding of Genuity, some of his most significant deals, and more.David Kassie has held key leadership roles in the financial industry for decades. He served as Chairman or Executive Chairman of Canaccord Genuity Group Inc. since May 2010 and was Chairman and CEO from April to October 2015. Previously, he was Principal, Chairman, and CEO of Genuity Capital Markets from November 2004 to May 2010, leading the firm until its acquisition by Canaccord Financial. Before that, he served as Chairman and CEO of CIBC World Markets and Vice Chairman of CIBC from 1979 to 2004.With extensive experience as an advisor, underwriter, and principal, David has played a crucial role in major financial transactions and serves on multiple corporate boards. Beyond finance, he is deeply committed to community and charitable initiatives. He is a Director and former Chairman of Baycrest Health Sciences, where he also led its commercialization efforts. He has previously served on the boards of the Toronto International Film Festival Group, the Hospital for Sick Children, and Ivey Business School.David holds a B.Comm. (Honours) in Economics from McGill University (1977) and an MBA from the University of Western Ontario (1979).Timestamps0:00 Disclaimer and Intro3:43 Investment Banking & Merchant Banks10:28 Outcome's history & performance15:55 Banking in the 80s and 90s20:14 Leading bankers26:46 Building the team at Genuity34:13 Markers of success in interviews37:33 David's transformative deals41:01 David's angel investing44:04 Thoughts on Canadian leadership & trade49:11 David's best career advice51:36 If David could do anything, what would it be?53:48 Outro

For the 50th episode of The Unlimited Podcast, we welcome back David Rosenberg, Founder and President of Rosenberg Research. David founded Rosenberg Research in January 2020 after an illustrious, three-decade career on Wall Street and Bay Street as an economist and market strategist. With the start of 2025 and Trump's recent inauguration, Brian seeks to uncover David's best views and thoughts on the markets, the economy, Trump's proposed tariffs and the like. In other words, what should investors be thinking and doing in 2025? This is a "must-listen" episode for anyone seeking opportunity amid uncertainty! A video of the entire interview is accessible below. https://youtu.be/tTgpC_rq27s Timestamps 0:00 Disclaimer & Intro 03:16 Uncertainty for 2025 11:22 David's thoughts on U.S. valuations 24:55 Expectations for U.S. equities 34:02 Why is Canada a good place to be? 47:43 Should investors focus on convert CAD to USD? 53:40 Rosie's best advice for 2025 57:11 Outro

From Brian Ginsler, Ginsler Wealth CEO: In my last quarterly letter I discussed the benefits of “doing nothing” (sometimes) as it relates to investing, but suggested that in my next quarterly letter I would discuss the benefits of “doing something”. So here we go... I returned to Algonquin Park in the Fall—my regular annual trip with my buddies. At 2am on our last night, I woke up in the tent and nature was calling. When this happens, the goal is typically to jump out of the tent, do what has to be done, and jump right back in quickly. But while I was outside the tent, I noticed that the pitch darkness of bedtime had turned into a bright moonlit night; the temperature was mild; and I did not hear any bears rustling in the woods (phew). Instead of jumping back into the tent quickly…nature actually was calling…so I decided to do something. Listen to this episode to find out what Brian did... For the original transcript of this letter, and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-fourth-quarter-2024-client-letter/

As 2024 comes to a close, we invite you to reflect on the year with us through some of the most memorable quotes and highlights from The Unlimited Podcast. In this brief, 7-minute recap, you'll hear standout moments from each of our guests, Brian's insightful reflections, and a few laughs along the way. Relive the best of 2024 with us! Let's Go! Stay tuned for another great year of The Unlimited Podcast in 2025, kicking off in January with the economic outlook from David Rosenberg, Founder & President of Rosenberg Research. See you on the flipside.

On this episode of The Unlimited Podcast, Brian welcomes Som Seif, a trailblazer in the Canadian wealth management space and the founder of Purpose Unlimited. Som's career is marked by a series of innovative milestones, from launching one of Canada's first ETF companies, to co-founding Wealthsimple, to creating the world's first Bitcoin and Ethereum ETFs. Som shares his insights into the evolving wealth and investment management landscape, highlighting the importance of aligning investment strategies with personal values and financial goals (sounds familiar to us here at Ginsler Wealth!). In addition, Som reveals the lessons learned from his business and entrepreneurial experiences, his vision for the future of financial services, and his best advice for success. Som Seif is the Founder and Chief Executive Officer of Purpose Unlimited, which he formed following the sale of Claymore Investments to BlackRock Inc. in March 2012 and the Co-Founder of WealthSimple Technologies Inc. Prior to Claymore Investments, Som was an investment banker with RBC Capital Markets. He has a strong commitment to community and is currently Co-Chair of the UofT Defy Gravity Campaign, a member of the AGO Foundation Board, and Next Canada Board. Timestamps 0:00 Disclaimer and Intro 4:56 Som's "Superhero Origin Story" 9:52 Som's Investment Banking experience 16:47 Launching Claymore Investments 24:42 Building Purpose 30:47 Founding Wealthsimple 33:24 Cryptocurrency & digital assets 39:40 Where does cryptocurrency fit in a portfolio? 46:14 Longevity Pension Fund 49:10 If Som would start a new company, what would it be? 51:12 Som's key advice for success 52:27 Outro

Most Canadian investors focus on developed markets, mainly in the U.S., Canada, and parts of Europe. However, there's a world of untapped potential in select emerging markets—regions that drive a substantial portion of global GDP. While these markets carry a unique blend of risks, they also offer powerful growth opportunities that investors shouldn't overlook. On this episode of The Unlimited Podcast, Brian explores the world of emerging markets investing with Rohit Khuller, Partner and VP of Investment Management at Letko Brosseau & Associates Inc. As the Lead Portfolio Manager of the firm's Emerging Markets Equity portfolio, Rohit breaks down what defines emerging markets, highlights the investment opportunities they offer, and shares examples of some of the fund's top holdings. Rohit Khuller is Vice President & Partner at Letko Brosseau & Associates, an independent investment manager, managing approx. $18 billion in assets, with offices in Montreal, Toronto and Calgary. In addition to his role as Portfolio Manager, he is a member of the firm's Investment Council, overseeing portfolio strategy and risk management for all of the company's assets, and he is the lead portfolio manager responsible for the firm's emerging markets equity investments. Prior to joining Letko Brosseau, Mr. Khuller's career in various industries such as automotive, aerospace and banking in several countries enabled him to deepen his knowledge in different fields. Rohit has successfully completed the General Management Program (GMP) from Harvard Business School, has an MBA from McGill, a bachelor's in engineering from Delhi College (B. Eng), and is a CFA charterholder. Timestamps 0:00 Disclaimer and Intro 7:19 Letko Brosseau's Approach to Investing 10:21 What is Emerging Markets Investing? 12:46 Risk in Emerging Markets 14:52 Opportunity in Emerging Markets 22:25 Valuation of Emerging Markets 25:04 Letko Brosseau's Research Process 29:43 What's Happening in Major Emerging Markets? 35:37 Managing Currency Risk 37:49 Letko Brosseau's EM fund's largest holdings 42:24 If Rohit could do anything, what would it be? 44:54 Outro

From Brian Ginsler, Ginsler Wealth CEO: "This past August, equity markets around the world experienced significant declines. Coincidentally, I chose the August long weekend to visit my favourite place on earth, Algonquin Park, where there is no cell reception. Or so I thought. In the very early hours of Monday (August 4) morning, a faint, single bar of service must have magically appeared, and a single Wall Street Journal news alert notification slipped through... "Japan's Nikkei Stock Average closed down 12.4%, it's biggest single-day percentage fall since 1987" "Oh shoot," I said to my wife, and decided that we better drive out of the resort to get stronger cellular reception to see what was going on. It wasn't pretty." Listen to this episode to find out what Brian did next... For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-third-quarter-2024-client-letter-do-nothing-edition/

During his first year at Ivey Business School, Brian's career plan changed significantly after taking an Introduction to Finance & Investing course. The insights gained from that class inspired him to pivot from a career in accounting to a focus on finance and investing. Twenty-five years later, Brian reconnects with Stephen Foerster, the professor who sparked his interest in finance, to discuss Foerster's latest book: "Trailblazers, Heroes, & Crooks: Stories to Make You a Smarter Investor". Brian and Steve discuss trailblazers Quintus Fabius and Muhammad Ali; heroes Warren Buffett and Harry Markopolos; and crooks Bernie Madoff, Sam Bankman-Fried and Tino DeAngelis; among others. You don't want to miss these stories, which could make you a smarter investor. Stephen Foerster is an award-winning author and Professor of Finance at Ivey Business School, where he has taught since 1987. He received a BA (Honors Business Administration) from Western University, and an MA and PhD from the Wharton School, University of Pennsylvania. He obtained the Chartered Financial Analyst (CFA) designation in 1997 and has taught Financial Management, Investments, and Portfolio Management courses in the HBA, MBA, and Executive MBA Programs. He has won numerous teaching and research awards. Foerster has also written two textbooks and over 100 case studies and technical notes in the areas of investments and financial management. He has published over 50 articles including in the Journal of Financial Economics, the Journal of Finance and Financial Analysts Journal. Foerster has served on pension and endowment fund boards as well as not-for-profit investment committees. Timestamps 0:00 Disclaimer and Intro 7:10 Trailblazers & Masterly Inactivity 17:17 Warren Buffet, American Express, & Salad Oil 25:12 The Unsung Hero of the Bernie Madoff Story 35:20 Stephen's Thoughts on Cryptocurrency 37:31 Investing & Tennis Strategy 43:52 Historical Lessons from Market Crashes 47:14 How Might Investing Change? 48:43 Stephen's Critical Advice for Investors 49:53 If Stephen Could Do Anything, What Would It Be?

What does it take to be a Jeopardy! champion? After winning over Canadians' hearts and minds with her standout performance on Jeopardy!'s Tournament of Champions, Dr. Juveria Zaheer returns to The Unlimited Podcast to share her journey. In this episode, Brian and Juveria talk about her road to Jeopardy!, the importance of developing new skills and embracing risks, and the incredible work Dr. Zaheer is doing with the Centre for Addiction and Mental Health (CAMH). Tune in for inspiring life lessons, fascinating stories, and more! Dr. Juveria Zaheer is an associate professor of psychiatry at the University of Toronto's Temerty Faculty of Medicine, and a clinician scientist at CAMH. As the medical head of CAMH's emergency department, she plays a critical role in providing urgent psychiatric care to individuals in crisis. Dr. Zaheer is also a renowned researcher and a leading authority on suicide risk assessment and prevention. In addition to her medical achievements, Juveria recently garnered international attention for her expertise in a different field—trivia! Despite a tough loss on her Jeopardy! debut in May 2023, her strong performance earned her a spot in the Second Chance Tournament later that year. Dr. Zaheer won that tournament, advancing to the Champions Wildcard Tournament, where another victory allowed her to compete in the prestigious Tournament of Champions earlier this year. Juveria's first appearance on The Unlimited Podcast can be found as Episode 9: The Future of Mental Health Care. To learn more about or donate to CAMH's "No One Left Behind" campaign, click here. Timestamps: 0:00 Disclaimer and Intro 4:51 Juveria's "day-to-day" life 6:36 Juveria's Journey to Jeopardy! 11:41 Jeopardy! Behind the Scenes 15:42 Preparing for Jeopardy! 19:07 Honing memory and recall skills 23:23 Jeopardy!'s infamous buzzer 26:01 Juveria's betting strategy 29:19 Juveria's most memorable Jeopardy! moment 31:05 Jeopardy's impact on Juveria's family 34:16 Life lessons for everyday life 36:20 No one left behind

In this special episode of the Unlimited Podcast, Brian welcomes Brent Belzberg, founder and Senior Managing Partner of TorQuest – one of Canada's original private equity firms – to discuss leadership, culture, and the keys to success in both life and business. Brent has been a supporter and mentor to Brian for almost two decades and we were honoured to have the chance to bring our listeners his story and his wisdom. Brent founded TorQuest in 2002 after selling Harrowston, Inc., a publicly traded investment fund he started in 1992 to invest in and build businesses. Beyond TorQuest, Brent serves as a Director of Sinai Health System, where he was previously Chair. He is a member of the Investment Advisory Committee at the University of Toronto. His past directorships include CIBC, O&Y REIT, and Four Seasons Hotels. In 2018, he was appointed a Member of the Order of Canada for his work as a business leader and philanthropist. Brent received Queen Elizabeth II's Platinum Jubilee Medal in 2023 for his significant contribution to Canada and the province of Alberta. Brent received a B.Comm. (Honours) from Queen's University in 1972 and a J.D. from the University of Toronto in 1975. In 2023, Brent received an honorary Doctorate of Laws (LLD) from Queen's University. TorQuest is a private equity firm that focuses on middle-market companies in North America, investing across various industries. The firm collaborates closely with family owners, founders, and management teams, and specializes in entrepreneurship/family succession, corporate carve-outs, recapitalizations, and management buyouts. Timestamps 0:00 Disclaimer and Intro 3:30 Private Equity & TorQuest 15:16 Success in Private Equity and TorQuest's future 21:02 Brent's outlook on the economy 23:48 How did Brent enter the Private Equity space? 31:49 Culture and Leadership within TorQuest 36:41 Successful partnerships & leadership traits 40:54 Brent's advice for entrepreneurs 48:29 Philanthropy & Brent's legacy 54:10 If Brent could do anything, what would it be?

From Brian Ginsler, Ginsler Wealth CEO: "A few weeks ago, I experienced what all financial advisor parents dream of. I came home to find my youngest daughter's Grade 8 Financial Literacy test on the dining room table. She had earned a mark of 95%. I couldn't have been more proud, and thought about ordering Ginsler Wealth business cards for her right away! But I might have gotten ahead of myself..." To find out what happened, listen to this episode featuring Ginsler Wealth's Second Quarter 2024 update - Financial Literacy Edition - where Brian reviews the concept of "needs vs. wants". For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-second-quarter-2024-client-letter-financial-literacy-edition/

Private debt is "all the rage" these days, but also beset with some controversy, especially in Canada. Asset-based lending is a form of private debt, and eCapital is a leader in this space. On this episode of The Unlimited Podcast, Marius Silvasan, CEO of eCapital, goes "back to basics" to explain what is asset-based lending, how eCapital mitigates risks typically associated with traditional private debt, and reveals eCapital's secret weapon: its technology focus. eCapital is a specialty finance company with a focus on providing working capital to small and medium sized businesses in the U.S., U.K., and Canada. eCapital finances 6,000+ clients through factoring and asset-based lending facilities and provides ancillary services such as credit cards, fuel cards, bill pay, and other treasury services. The business was founded in 2006 and employs 700+ people globally. Prior to his leadership role with eCapital, Marius was CEO and Director of ONE Bio Corp and Tele Plus World Corp, accumulating over 20 years of experience in structured finance, syndication and mergers and acquisitions. As a Forbes Finance Council Member, he is an emerging thought leader on financial services and corporate leadership. He holds a Bachelor of Business Administration and a Master of Business Administration from HEC University in Montreal. Timestamps 0:00 Disclaimer & Intro 3:51 Marius' journey to eCapital CEO 6:14 What eCapital does for SMBs 12:12 Examples of industries using eCapital 15:40 Mitigating risk with eCapital's loans 29:48 eCapital's technological applications 33:18 eCapital's growth strategy 38:41 What economical challenges is eCapital seeing? 43:01 How does eCapital differ from other lenders? 45:39 Ensuring liquidity within eCapital 48:11 How should investors evaluate private debt firms? 51:20 If Marius could do anything, what would it be?

Small-capitalization ("small-cap") equity investing requires a specialized investment and trading skillset. Since its inception in 2018, Bedford Park Capital has proven its proficiency in this area. Bedford's President & CEO Jordan Zinberg joins Brian to explain what small-cap equities are, what it takes to be a successful small-cap investor, and why some of the risks of small-cap investing may actually be opportunities in disguise. Jordan Zinberg is the President and CEO of Bedford Park Capital Corporation. Jordan has over 20 years of investment industry experience, including portfolio management and trading, and has served as a director of both private and public companies.  Before founding Bedford Park Capital, Jordan was a Managing Director and Portfolio Manager at a prominent Toronto-based investment management firm.  Prior to that role, Jordan spent 7 years at one of Canada's largest investment dealers.  He holds an MBA from the Schulich School of Business as well as several industry licenses and certifications. He also holds the Chartered Investment Manager designation and is a fellow of the Canadian Securities Institute. Timestamps 0:00 Disclaimer & Intro 4:11 Jordan's journey to founding Bedford Park 7:57 What are "small-cap" equities? 12:19 What makes small-cap equities attractive? 16:02 Finding companies that meet Bedford's criteria 19:02 Difficulties purchasing small-cap equities 21:59 Positives & negatives of small-cap equities 26:59 How Bedford found one of their best holdings 33:03 Jordan's outlook on the economy and stock market 35:48 Behind the scenes at BNN 38:42 If Jordan could do anything, what would it be? 39:57 Outro

On Tuesday, April 16, the government of Canada revealed its 2024 Federal Budget with major changes that impact investors, savers and business builders - most significant of which being an increase to the capital gains inclusion rate. In this "breaking news" episode of The Unlimited Podcast, we bring back the "Tax Ninja", Alexandra (Ali) Spinner, to help break down the key changes and provide some guidance for immediate and long-term actions and plans. Ali can also be seen discussing the Federal Budget changes on BNN Bloomberg. Key changes covered include: The increase to the capital gains inclusion rate The increase to the Lifetime Capital Gains Exemption The introduction of the Canadian Entrepreneurs Incentive Changes to the Alternative Minimum Tax (AMT) Ali is a Partner in Crowe Soberman's Tax Group, a member of the firm's Management Committee, and leader of the High-Net-Worth tax practice. Ali has more than 20 years of experience in public accounting and tax and estate planning. Her practice focuses on helping wealthy families and high-performance professionals structure their affairs in a tax-efficient manner. Ali's broad technical expertise includes domestic, cross-border, and international tax matters for individuals, trusts, estates, and corporations. She is experienced in complex estate and trust planning, post-mortem planning, corporate reorganizations, and the preparation of Canadian tax returns and compliance forms. In 2022, she was elected as a Fellow of the Chartered Professional Accountants of Ontario. Timestamps 0:00 Disclaimer & Intro 2:15 Highlights of the budget changes 13:00 Why change capital gains tax rates? 20:54 Impacts on the general public 29:44 Who will feel the largest impact? 34:01 Canadian departure tax 36:11 Exemptions, incentives, and philanthropy 42:21 Outro 43:33 Ginsler Wealth's full theme song

You may have heard the joke about two economists walking down the street and seeing a $20 bill lying on the sidewalk. The first economist says, "Look at that $20 bill." The second says, "That can't really be a $20 bill lying there, because if it were, someone would have picked it up already." So they walk on, leaving the $20 bill undisturbed. The notion above is that there can't be “free money” lying around in plain sight. The markets are efficient and opportunities like the above cannot exist. Brian Ginsler begs to differ... For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-first-quarter-2024-client-letter-free-money-edition/

As a follow-up to Episode 33: Insurance 101 with Simon Kay, this episode features Zak Goldman and Jonah Mayles from Sterling Park providing an "Insurance 201" lesson for our listeners, with a focus on the tax and wealth creation advantages of whole life insurance. Whole life insurance is a permanent insurance policy that grows in value over time by participating in distributions from the insurance company's pool of investments. This type of policy offers a significant opportunity to boost wealth and estate value, for two key reasons: The policy's value grows tax-free and is typically distributed tax-free[i] upon death, and When held within a corporation, the proceeds can be paid to your estate on a tax-free basis[ii] without being subject to additional taxes like most other corporate assets. For someone with a corporation, the additional after-tax value of dollars invested in a whole life insurance policy can be potentially double what could be achieved without the use of insurance.[iii] Brian and the "Dynamic Duo" of Zak and Jonah explain whole life insurance and how it works, compare the after-tax result of using insurance vs. not, and provide insight into how to know if an insurance policy is right for you. Zak is a founding partner of Sterling Park. He has advised affluent clients and business owners for over 20 years. He holds the Family Enterprise Advisor™ (FEA) designation and an MBA from the Rotman School of Business at the University of Toronto. Jonah is a partner at Sterling Park and is the tax, legal and estate planning guru in the firm. Before joining Sterling Park, Jonah was a tax lawyer at Fraser Milner Casgrain and Torkin Manes where his practice focused on business succession planning, estate planning, advising on and drafting family trusts and structuring/implementing tax-efficient sales and purchases of businesses. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. This episode is brought to you by Ginsler Wealth Financial Services Inc., a FSRAO licensed insurance agent corporation. Nothing in this podcast should be deemed to be insurance or financial advice, and is for informational purposes only. [i] The tax-free nature of whole life insurance may not be absolute under certain circumstances, including in shorter duration insurance policies. This letter is meant only to provide a high-level overview of the benefits of whole life insurance and is not comprehensive. Please speak with Ginsler Wealth Financial Services Inc., a FSRA licensed insurance agency, or your own insurance advisors for more specific details. [ii] Ibid. [iii] The precise outcome of utilizing these types of insurance policies will depend on the age, gender and medical profile of the insured(s) at time of entering into the policy and the age of death of the unsured(s) amongst other factors. Talk to Ginsler Wealth Financial Services Inc. or you own insurance advisor for more precise details. Timestamps 0:00 Disclaimer & Intro 5:00 How Zak & Jonah entered the insurance industry 10:42 Term insurance vs. whole life 12:40 Whole life insurance & how it works 22:16 Using insurance to transfer wealth 41:55 Tips for prospective insurance buyers 44:48 Simplifying insurance buying 51:31 If Zak & Jonah could do anything, what would it be? 53:18 Outro & Disclaimer

The automotive industry is undergoing a transformation with the rise of electric vehicles and the introduction of new technologies and new ways of interacting with car buyers--all while operating in a challenging economic environment. Luxury auto dealers are at the forefront of many of these changes. On this episode of The Unlimited Podcast, Brian speaks with Francesco Policaro, CEO of Policaro Group, a luxury auto retailer in the GTA and southern Ontario. Brian and Francesco discuss automotive industry trends, what a prospective car buyer should know, managing a multi-generational family business, the current state of the economy, and more! Founded in 1979 by Francesco's father and two uncles, Policaro Group has emerged as a prominent automotive retail group in the GTA and Southern Ontario. Currently, their expansive group encompasses Acura, BMW, Jaguar, Land Rover, Lexus, Porsche, and Volvo. Policaro Group is involved of many aspects of the automotive experience, ranging from helping customers purchase their first car, sourcing exotic super sports cars, and supporting professional racing, all with an incredible focus on the customer experience. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. Timestamps: 0:00 Disclaimer & Intro 4:21 Policaro Group's history 8:22 Sourcing luxury cars 15:00 Making the customer experience exceptional 20:16 Technology evolving the automotive industry 27:41 Improving the typical "car buying" experience 36:51 Francesco's favourite cars & super sports division 40:51 Managing a multi-generation family business 44:42 Francesco's economic outlook 48:08 If Francesco could do anything, what would it be? 50:18 Outro

An Unlimited Podcast twist! This episode is a podcast within a podcast... This episode sees the tables turned on our host, Ginsler Wealth CEO, Brian Ginsler, as he switches from interviewer to interviewee. Brian is interviewed as part of The Real Human Project by Sam, an AI interviewer, with the goal of helping people share their stories and reveal the "real human" behind each interviewee. The Real Human Project is on a mission to help people get to know each other better. Through AI-hosted podcast interviews, everyone has an opportunity to make an episode about what makes them who they are. These episodes can then be shared with anyone the participant would like to share their story with. Once an episode has been shared, listeners are encouraged to respond with their feelings about the episode. The Real Human Project has extended a special offer to all listeners of the Unlimited Podcast: for $50 USD off your very own episode, enter code "Unlimited" at checkout. To learn more about The Real Human Project, or to get your own episode, visit realhuman.io. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know.

As long as humans have been taking risks, we have been looking for ways to mitigate those risks. Insurance, while a very popular risk transfer tool, can be complex and easily misunderstood. On this episode of The Unlimited Podcast, Brian speaks with Simon Kay of IPS insurance, who provides an Insurance 101 lesson, focusing on insurance for individuals and families. Brian and Simon discuss different types of insurance, how to determine how much insurance you need, individual vs. group coverage, and more. Simon is the President of IPS Insurance, a specialized insurance advisory firm with a very unique private underwriting approach to determine insurability. Simon is an insurance industry veteran, having started his insurance career back in 1988 as an insurance agent at London Life. More recently, Simon is a founding investor in Fairgrounds, a free-to-join racquet club focusing on Pickelball and Padel – some of the fastest growing sports in the word. And COMING SOON...The Unlimited Podcast goes back to school for Insurance 201, where we explore the use of insurance for tax-efficient wealth accumulation. Timestamps 0:00 Disclaimer, History of Insurance, & Intro 8:58 Needs & Efficiencies 14:22 What is insurance? 18:23 How do insurance companies work? 24:06 permanent vs. term insurance 34:38 Tax benefits of insurance 39:01 Who is each type of insurance for? 45:23 The importance of disability insurance 53:22 Individual vs. group insurance 56:44 What is Fairgrounds? 1:02:25 if Simon could do anything, what would it be? 1:05:07 Outro & disclaimer The original article for Brian's summary of the history of insurance can be found here. This episode is brought to you by Ginsler Wealth Financial Services Inc., a FSRAO licensed insurance agent corporation. Nothing in this podcast should be deemed to be insurance or financial advice, and is for informational purposes only. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know.

A message from Brian Ginsler, Ginsler Wealth CEO: "My last quarterly letter was released on the evening of Friday, October 6. By the following morning, that letter couldn't have been less important given the horrific atrocities occurring in Israel, and the resulting last 3 horrible months for Israel, Jews around the world, and innocent Palestinians – wholly and solely a result of Hamas' atrocious attack on Israel and its citizens, and Hamas' continued holding of hostages. Because my last letter was just an evening too soon to address and discuss the above, I wanted to use this year-end letter to share a story about another Israel war, an Israeli tank commander, and how Israel and its soldiers conduct themselves." For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-fourth-quarter-2023-client-letter-the-coby-edition/

Real estate is a hot topic for Canadians, especially in the current housing-challenged environment. Rob Kumer, incoming CEO of KingSett Capital, describes what he's seeing now and what Canadians might expect from the real estate market and the economy in 2024 and beyond. Brian and Rob discuss Rob's path to CEO of KingSett, KingSett's investment process, various real estate sectors, affordable housing, government policies, the path to environmentally sustainable real estate, and more! Rob graduated with an HBA degree from the Ivey Business School. He joined KingSett in 2004 as an analyst and is currently President & Chief Investment Officer, as well as incoming CEO, effective January 2024. Rob is also a director of the Sinai Health System foundation in Toronto. Founded in 2002, KingSett is one of Canada's leading real estate private equity firms, managing approximately $18 billion across real estate asset classes including office, industrial, residential & affordable housing, retail, urban, hotel and development. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. Timestamps 0:00 Disclaimer & Intro 2:56 Rob's beginning at Ivey 7:00 KingSett's evolution 9:28 Rob's history in real estate 14:56 How does KingSett evaluate investment opportunities? 18:31 The economy through KingSett's lens 25:00 KingSett's mortgage lending 32:38 How does Rob view the housing shortage? 41:55 The economics of affordable housing 47:19 KingSett's zero carbon initiatives 50:05 The results of working from home 58:33 Lessons Rob is taking into the role of CEO 1:02:50 If Rob could do anything, what would it be? 1:05:12 Outro 1:06:34 Year in Review

November is Financial Literacy month in Canada, so as part of Ginsler Wealth's ongoing efforts to promote financial literacy, Brian speaks with Robin Taub, CPA, CA, the author of The Wisest Investment: Teaching Your Kids to Be Responsible, Independent and Money-Smart for Life. Brian and Robin discuss her path to writing the book on financial literacy, the 5 Pillars of Money, her 11 Healthy Habits of Financial Management, and how parents can overcome the challenges of teaching their children about money. Robin is a Chartered Professional Accountant (CPA, CA), keynote speaker, and bestselling author recognized for her expertise in personal finance and financial literacy. Her award-winning book, The Wisest Investment, has received accolades, including praise from David Chilton, the star of Dragons' Den and author of The Wealthy Barber. With a unique ability to simplify complex money topics, Robin acts as the "Google Translate" for personal finance, making it accessible to all. Her background includes roles in audit, taxation, and derivatives marketing at leading Canadian firms. She is also a passionate advocate for advancing women CPAs into leadership roles. Robin holds a Bachelor of Commerce degree with High Distinction from the Rotman School of Management at the University of Toronto and is a lifelong learner, having completed the Canadian Institute of Chartered Accountants' In-Depth Tax Course. Residing in Toronto, Robin and her husband have raised two (mostly) money-smart young adults. Besides her financial expertise, she enjoys snowboarding, cycling, and attending concerts, including a memorable backstage encounter with Bruce Springsteen. For more about Robin and to purchase a copy of The Wisest Investment, click here. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. Timestamps: 0:00 Intro & Disclaimer 3:42 Robin's financial journey 9:23 Why should parents teach their kids financial management? 11:45 Robin's Five Pillars of Money 17:01 How should an allowance work? 20:58 11 Healthy Habits of Financial Management 27:45 How can parents actually teach financial literacy? 34:39 Fraud, phishing, and cybersecurity 37:36 Robin's Key Tip 38:16 Meeting Bruce Springsteen 40:50 If Robin could do anything, what would it be? 41:57 Outro and disclaimer

Brian Ginsler loves Malcolm Gladwell's podcast Revisionist History: his podcast about "things overlooked and misunderstood". Brian believes there are a lot overlooked and misunderstood things happening this year in the financial markets. In his latest quarterly letter, he shares what he thinks is overlooked and misunderstood as it relates to U.S. and Canadian equity markets, stock and bond correlations, consumers' reaction to inflation and rising interest rates, and perhaps the most misunderstood investment decision: investing in GICs. For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-third-quarter-2023-client-letter-misunderstood-edition/

The private equity asset class is often absent from the portfolios of the everyday investor. For those that do invest in private equity, they experience large capital requirements, long holding periods, and often higher risk - albeit in the pursuit of higher returns. Private equity secondaries may mitigate some of the challenges noted above. In this episode of The Unlimited Podcast, Brian speaks with Robert McGrath, Founder and Managing Director of Overbay Capital Partners, who will explain what private equity is, introduce private equity secondaries, and share the backstory of how he and his brother became early leaders in this space. Overbay Capital Partners, is a private equity secondaries firm managing almost $2 billion in assets on behalf of institutions and private investors. Robert leads Overbay's investment team and is responsible for the overall management of the firm. Rob began working in secondaries almost 20 years ago when the secondary market was still in its infancy and a tiny fraction of its size today. He has had a front row seat on the secondary market as it grew from obscurity to the prominent investment strategy it is today. Prior to forming Overbay, Rob worked for 12 years as an intermediary in the secondary market at Setter Capital where he advised institutions on buying and selling private equity funds. Over that period, Rob was one of the most prolific secondary deal makers in the world, completing over 700 transactions, representing more than $20 billion in value. Robert holds a Bachelor of Arts degree from Queen's University and a Master of Science degree in Accounting & Finance from the London School of Economics. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. Timestamps: 0:00 Intro & Disclaimer 4:13 What is private equity? 10:37 Where does private equity fit in a portfolio? 14:13 Barriers to accessing private equity 17:18 Private equity experience and the "J" curve 25:21 Robert's history with private equity 28:16 Why would an institution want to sell private equity? 31:08 Why buy private equity secondaries? 34:57 Founding Overbay 41:32 How do private equity secondaries differ from regular private equity? 45:33 How does Overbay pick the secondaries to buy? 48:57 Returns on private equity secondaries 53:42 If Robert could do anything, what would it be? 55:41 Outro

While the U.S. Open ended on Sunday, the World Championships of Tennis – known as The Davis Cup – is on! And Team Canada is back to defend their championship title after winning last year's tournament. On this episode of The Unlimited Podcast Brian speaks with Frank Dancevic, former professional tennis player and current Captain of Canada's Davis Cup team. We were lucky to catch Frank just hours before he joined his team in Bologna, Italy for the start of Canada's defending run. Hailing from Niagara Falls, Ontario, Frank Dancevic is a retired Canadian professional tennis player. He first became the country's top singles player, according to ATP rankings, on February 10, 2003, as an 18-year-old, and achieved a career-high singles ranking of world No. 65 in September 2007. He has been the captain of Canada's Davis Cup team since 2017 and continues to lead top-ranked Canadian tennis players Felix Auger-Aliassime, Vasek Pospisil, and Denis Shapovalov, among others, in this year's Davis Cup. In this episode, Brian speaks with Frank about his experience as a professional tennis player, what it takes to be a world-class athlete, and how to lead and coach high performers. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. Timestamps 0:00 Disclaimer & Intro 3:44 Frank's journey to professional tennis 12:55 Where did "Frank the Tank" come from? 14:34 Being your best as a professional athlete? 21:15 Different stressors of singles and doubles tennis 25:40 Transitioning from player to captain & leadership strategies 28:57 How to get the best out of your team 32:10 Frank's highlights against Rafael Nadal and Novak Djokovic 37:05 If Frank wasn't a pro tennis player, what would he be? 39:01 Outro & Disclaimer

Brian believes that everyone needs to understand sales because ultimately, "everything is sales". What does this mean? Sales expert Darren Rabie joins Brian on this episode of The Unlimited Podcast to help answer that question, and discuss how sales can be applied to more aspects of life than you may think. Darren Rabie was born in Cape Town, South Africa. His father owned successful clothing stores and his mother was a teacher. Along with his two brothers, he lived a wonderful life. But the fears and injustice of Apartheid drove the family to immigrate to Toronto in 1977. In Canada, with no money or connections, Darren's father started a clothing import business and his mom became a travel agent. He grew up learning from two hard-working, never complaining, dedicated and loving parents who sacrificed for their kids. As a teenager, Darren had lots of jobs but quickly realized that he was more entrepreneur than employee. After graduating from Ivey Business School in 1996, Darren co-founded his first company – The Results Group (TRG) – an outsourced lead-generation firm for B2B businesses. By 2003 Darren realized that many of TRG's clients lacked the sales leadership, structure and tools to succeed, no matter how many leads were generated for them. So, he sold TRG and founded Focus Sales Management – initially renting himself, then others, out as part-time sales managers for small B2B companies. In 2010 another division was born – Focus CRM – to provide ongoing support and training contracts for companies struggling with salesforce.com. In 2018, Darren decided to make his next life change and sold Focus to his partners in the firm. Brian and Darren discuss human nature, applying sales concepts in your personal life, Darren's "12 C's" (characteristics) of effective (sales)people, and more. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. Timestamps 0:00 Disclaimer & Intro 1:28 Brian's 15 Year Harvard Reunion 5:48 Darren introducing sales courses to Ivey 7:44 Darren's sales background 11:38 Is "sales" a dirty word? 20:13 Sales & human nature 36:59 Applying sales to success in everyday life 49:13 Darren's "12 C's" of successful (sales)people 53:56 How have sales tools changed? 58:24 Is sales a good start to your career? 1:00:52 If Darren could do anything, what would it be? 1:03:36 Outro & disclaimer

At Ginsler Wealth, we love coffee. Recently, Brian spoke with Lavazza Canada President, Andrea Chiaramello, at the Truffle Kings media preview event, for a special live recorded episode of The Unlimited Podcast. Andrea Chiaramello was born and raised in Turin, Italy, hometown of Lavazza. He has been a coffee “addict” for decades, after spending most of his working life as an export manager, specializing in Route-To-Market projects, bringing Italian products into international markets (Europe, North and South America, Middle East). Andrea joined Lavazza and moved to Toronto in 2017 leading the Canadian operations across all channels. Lavazza, also known as Luigi Lavazza S.p.A., is an Italian coffee manufacturer that was founded in Turin in 1895 by Luigi Lavazza. It started as a small grocery store on Via San Tommaso 10 and is currently managed by the third and fourth generations of the Lavazza family. The company imports coffee from various countries, including Brazil, Colombia, Guatemala, Costa Rica, Honduras, Uganda, Indonesia, the United States, and Mexico. Lavazza was introduced to Canada in 1971. The company expanded its presence internationally and began exporting its coffee products to various countries, including Canada. Since then, Lavazza has established a presence in the Canadian market and offers its range of coffee products to Canadian consumers. Brian and Andrea discuss the history of Lavazza, Italian coffee culture, how to make the perfect cup of coffee at home, and much more. Make sure to stay tuned to the very end of the episode for a special offer! If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. The full video can also be found on YouTube. Timestamps 0:00 Disclaimer & intro 3:15 History of Andrea & Lavazza 6:26 Comparing coffee and wine 8:11 Lavazza's operations in Canada and abroad 10:05 Italian coffee culture 11:44 What it takes to make coffee 15:28 Where do the best coffee beans come from? 20:58 Making the perfect coffee at home 25:51 The rules of coffee in different cultures 30:51 Inflation in coffee prices 35:01 Investing in the coffee industry 37:11 Lavazza & tennis sponsorships 38:47 If Andrea could do anything, what would it be? 40:42 Outro and a special treat

Ginsler Wealth CEO, Brian Ginsler, reads his quarterly letter to clients from the second quarter of 2023. There are a lot of scary things impacting the economy and investing these days, but nothing is more scary than when your 16 year-old daughter gets her driver's license permit! In Brian's latest quarterly letter, he explains how teaching his daughter to drive relates to how we manage client portfolios. Hint...it's all about probability. He also explain recent actions we are taking in client portfolios and provide examples of some unique investment strategies we have found and are using for the benefit of our clients. For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-second-quarter-2023-client-letter-drivers-training-edition/ Timestamps 0:00 Disclaimer and Intro 1:46 What's been scaring Brian in 2023? 2:33 Driving & Probability 4:24 Let's start with facts 5:42 Equity markets & lower probability 8:13 Facts & Probabilities: Actions we are taking 13:21 Ginsler Wealth Partners Program 14:04 Outro

SPAC Arbitrage. While it may sound complicated, we are lucky to have Jamie Wise, President & CEO of Periscope Capital, as our guest on The Unlimited Podcast to explain. In fact, we'll go all the way back to basics to understand what "arbitrage" is and why investors have been trying to find arbitrage opportunities forever. Prior to launching Periscope Capital in 2009, Jamie was a managing director at Moore Capital Advisors Canada, a multi-strategy Canadian-focused hedge fund. Prior to Moore Capital, Jamie was a Managing Director and Portfolio Manager at BMO Capital Markets where he led an internal proprietary trading group (we'll explain what that means as well). At BMO, Jamie was appointed the youngest Managing Director in the firm's history. He has an undergraduate business degree (hons.), graduating first in his class from the Ivey School of Business at the University of Western Ontario in 1998 and holds a Chartered Financial Analyst (CFA) designation. Jamie is also the founder of Buzz Indexes, creators of the BUZZ index (NYSE:BUZZ), also known as the VanEck Social Sentiment ETF. BUZZ uses AI to measure investor sentiment across millions of social media posts each month, ranking the top 75 stocks in the BUZZ NextGen AI US Sentiment Leaders Index™. Brian and Jamie discuss what it takes to be successful as a young professional, SPACs 101, the beauty of asymmetric returns, how AI is being used in markets today, and much more. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. Timestamps 0:00 Disclaimer & Intro 5:02 Jamie's journey to founding Periscope 11:43 Entering the finance industry as a young professional 15:01 What does "arbitrage" mean? 19:46 Developing investment strategies using AI 29:05 SPACs 101 39:02 SPACs in today's market 44:09 What's the arbitrage opportunity in the SPAC structure? 51:24 How does Periscope decide which SPACs go into the fund? 57:01 Where does this strategy fit in an investor's portfolio? 59:11 Outro & Disclaimer

On this episode of The Unlimited Podcast, BNN Bloomberg news anchor Jon Erlichman joins Brian for an interesting "behind-the-scenes" look at what it's like to be a business journalist. Brian and Jon discuss what it takes to be "on" all the time, what makes a great interview, some stories from Jon's celebrity interviews, and much more! Jon Erlichman anchors BNN Bloomberg's morning program, The Open, which airs every weekday. He also serves as co-host of Bloomberg's global program "Bloomberg Markets,” which airs weekdays as well. Erlichman has a background as a scoop-oriented reporter, an accomplished interviewer of top global CEOs and a digital innovator. On BNN he has interviewed too many high profile Canadian CEOs and business leaders to name. Erlichman has interviewed athletes such as Connor McDavid, entertainers such as Robert DeNiro, Ice Cube, Dan Aykroyd and Charli XCX, and entertainment industry players including Brian Grazer, Jerry Bruckheimer, Disney's Michael Eisner, Ron Howard and Jon Favreau, leading investors such as David Einhorn and Michael Burry, and media and tech leaders including Barry Diller and Jimmy Iovine. Among other roles, Erlichman previously served as a correspondent for ABC News in Los Angeles, an anchor and reporter for Bloomberg Television in New York, and in San Francisco with “Bloomberg Technology”. Beyond his traditional news experience, Erlichman is passionate about digital media. In 2015, he helped launch Parachute TV, the first live streaming TV channel on Twitter's Periscope app and he himself has more than 100,000 followers across all social media platforms. Click here for Jon's full bio from BNN Bloomberg. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. Timestamps 0:00 Intro & Disclaimer 3:34 Jon's career path 6:28 How does Jon get ready to be 'On Air'? 13:58 What broadcasting from home during COVID was like 18:35 How does rapid information accessibility affect the newsroom environment? 22:37 What is the role of the media in sharing information? 25:25 Balancing short-term and long-term market reporting 29:15 Jon's tips for a good interview 34:44 Jon's experience interviewing Kobe Bryant 40:13 When has Jon been 'Starstruck'? Hint..."are you talkin' to me?" 43:03 Dealing with 'bloopers' in the newsroom 46:03 If Jon could do anything, what would it be? 47:48 Outro

Find out why The Unlimited Podcast was ranked by Spotify in the Top 20% of Most Followed and Most Shared podcasts globally in 2022. Listen as Ginsler Wealth's CEO, Brian Ginsler, interviews investment managers we may work with, along with a variety of investing, financial and other experts, discussing topics relevant to successful families. The podcast also features audio versions of our quarterly letters and other key publications. Don't miss an episode by following the podcast in your favourite podcast app.

Even though this tax season is coming to a close, it's never too late to start planning for next year! On this episode of The Unlimited Podcast, Alexandra (Ali) Spinner joins Brian to share some tips and tricks for maximizing your charitable donations. Brian and Ali discuss Ali's "Three W" framework for giving, alternative donation methods, different avenues for philanthropy, how Ali became known as the Tax Ninja, and much more! Ali is a Partner in Crowe Soberman's Tax Group, a member of the firm's Management Committee, and leader of the High-Net-Worth tax practice. Her practice focuses on helping wealthy families and high-performance professionals structure their affairs in a tax-efficient manner. She works closely with her clients to ensure that their short and long term personal, financial, estate, and philanthropic goals are carefully considered in their planning. Ali brings a high level of passion and warmth to her practice and enjoys building deep relationships with her clients across generations. Ali's broad technical expertise includes domestic, cross-border, and international tax matters for individuals, trusts, estates, and corporations. She is experienced in complex estate and trust planning, post-mortem planning, corporate reorganizations, and the preparation of Canadian tax returns and compliance forms. Her transaction advisory experience includes tax due diligence and business purchase and sale structuring. She has testified in Ontario court and has been recognized by the court as an expert in taxation matters. Ali has more than 20 years of experience in public accounting and tax and estate planning. In 2022, she was elected as a Fellow of the Chartered Professional Accountants of Ontario. The distinction of Fellow formally recognizes her exceptional service to the professional and to the broader community. Ali is a past lecturer in the Commerce Program at the University of Toronto's Rotman School of Management, CPA Canada's In-Depth Tax Program, and the School of Accountancy Tax Program administered by CPA Ontario. In 2020, Ali was the recipient of the Award of Excellence presented by the Jewish Foundation's Professional Advisory Committee. In 2016, she was a winner of the M&A Advisor Emerging Leaders Award (Top 40 Under 40). In 2015, she received the CPA Ontario and the Institute for Management & Innovation at the University of Toronto's Alumni Award. She is also a 2002 recipient of the Gordon Cressy Student Leadership Award from the University of Toronto. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. Timestamps: 0:00 Intro and Disclaimer 3:02 How did Ali become the Tax Ninja? 5:15 How does Ali balance conservative vs. aggressive tax strategies? 7:54 What's happening inside the CRA? 11:53 What is tax-effective charitable giving? 16:04 The first W: What? 27:54 The second W: Where? 30:06 The third W: When? 32:40 Setting up private foundations 39:30 Donor Advised Funds 45:36 If Ali could do anything, what would it be? 46:47 Outro

In this episode, Ginsler Wealth CEO, Brian Ginsler, reads his quarterly letter to clients from the first quarter of 2023. This quarter's letter focuses on the importance of not just getting a job done, but well done, the wealth and financial planning work we have been doing for clients recently, and Ginsler Wealth's commentary on the importance of being an "independent" wealth management firm. For the original transcript of this letter and to see weblinks and other media, please visit: https://ginslerwealth.com/ginsler-wealth-first-quarter-2023-client-letter-well-done-edition/ Timestamps: 0:00 Intro & Disclaimer 1:42 To the Dean's office 2:13 Breakfast at the airport 3:40 Exceeding expectations & feedback 4:00 Going beyond portfolio management 6:33 Pushing through short term noise 7:20 Remaining independent, and maintaining your trust 7:46 Outro If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know.

On this episode of The Unlimited Podcast, Brian is joined by one of Canada's “legendary” investors, his friend and mentor, Ira Gluskin. Brian and Ira discuss the founding of Gluskin Sheff, investing and investment management, Ira's career advice, and the advantages of a multi-family office over a large investment firm. Ira Gluskin is the Chief Investment Officer of Irager + Associates Inc., a family office, overseeing Strategy and Investments. Mr. Gluskin is the Co-Founder of Gluskin Sheff + Associates Inc. He served as the firm's President & Chief Investment Officer from June 30, 1984 until December 31, 2009 and as a Director and the firm's Vice-Chairman through December 18, 2013. Prior to co-founding Gluskin Sheff, Mr. Gluskin had worked in the investment industry for 20 years. He serves on the Board of Directors of both Tricon Capital Group and European Residential Real Estate Investment Trust and serves on the board of trustees for First Capital REIT. He is a member of the Advisory Board of Vision Capital Corporation and The University of Toronto's Real Estate Advisory Committee. He is also on the University of Toronto's Boundless Campaign Executive Committee, Sinai Health's Board of Directors and Investment Committee, Board of the Canadian Jewish News, The Walrus Magazine, Capitalize for Kids, and the National Theatre School of Canada. Mr. Gluskin is also the former Chair of the University of Toronto Asset Management Corporation and the former Chair of the Investment Advisory Committee for the Jewish Foundation of Greater Toronto, and is currently a member of its Investment Committee. Mr. Gluskin received a Bachelor of Commerce degree from the University of Toronto in 1964. He received an Honorary Doctorate of Laws degree from Wilfrid Laurier University 2019. Timestamps: 0:00 Disclaimer & Intro 4:06 How did Ira begin his career? 12:43 How did Ira get comfortable after founding Gluskin Sheff? 15:15 Introducing incentive fees to investment management 19:37 Why did Ira want to be different? 31:57 What does Ira think about managers advertising lower fees and higher performance? 38:12 Ira's approach to investment management 42:40 What has Ira learned after working through decades of ups and downs? 46:40 How has Ira's portfolio evolved? 53:44 How does Ira feel being an insider of publicly traded companies? 58:17 Ira's thoughts on increasing investing regulations 1:07:05 What to look for in a great business partner 1:14:07 Life lessons from Ira 1:20:07 If Ira could have done anything, what would it be? 1:24:57 Outro If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know.

There are many ways to get exposure to real estate. Our guest, Jeffrey Olin, President & CEO of Vision Capital – managing approximately $1 billion solely focused on real estate investments – tells us how. In this episode, Brian and Jeff provide an introduction to the real estate asset class (Real Estate 101), different real estate investing options, the challenges of owning real estate directly, public vs. private real estate investing, and much more. Jeffrey Olin is a co-founder, CEO and has been a portfolio manager at Vision Capital for over 14 years. Mr. Olin brings ten years of direct corporate real estate experience and fifteen years of senior level investment banking experience to Vision Capital. Between 2003 and 2007, Mr. Olin served as the Managing Partner, Ontario and Head of Investment Banking with Desjardins Securities, a $200 billion financial institution. Mr. Olin was previously a Managing Director with HSBC Securities and a Vice President with Canaccord Capital. As an investment banker, Mr. Olin was the Lead Manager and M&A advisor with direct responsibility for over 70 transactions representing over $5 billion in value. He has served as a key advisor to many of Canada's leading corporate, institutional, and family-owned real estate enterprises on their global real estate investments. Prior to his investment banking career, Mr. Olin has ten years of direct real estate industry experience. Between 1985 and 1991, Mr. Olin was Vice President with Bramalea Limited in Dallas, Texas and Toronto, Canada. In addition, he worked with Olympia & York Developments Ltd., and the Parking Authority of Toronto. His experience in real estate includes acquisitions and dispositions, development, financing, leasing, operations, and planning and design. Mr. Olin has extensive corporate governance experience and expertise. He has served on the Board of Directors for numerous public companies as well as charitable and community boards. He has also acted as an expert witness on behalf of the Ontario Securities Commission and the Government of Canada Parliamentary Finance Committee. Mr. Olin is a graduate from the Kellogg Graduate School at Northwestern University in Chicago with an MBA. He received his Bachelor of Commerce degree from the University of Toronto. This Podcast was recorded on February 17, 2023. Timestamps: 0:00 Disclaimer & Intro 03:23 Real Estate 101 06:05 How big is the Real Estate market? 09:14 Why add Real Estate to your investment portfolio? 12:39 What are REITs? 16:38 Key terms for Real Estate Investors 21:33 Buying property vs. investing in public real estate 25:47 What are the biggest risks of Real Estate Investing? 28:59 How does Real Estate fair during inflation? 35:10 Why Vision was Founded 37:19 Public vs Private Real Estate Investing 43:57 Inefficiencies in the public markets 51:26 What does Vision hold? 56:11 What does the office building market look like? 1:03:06 Jeff's advice for real estate investors 1:04:02 Final thoughts 1:05:02 Outro

In this special edition of The Unlimited Podcast, Brian and Richard Usher-Jones from Canso Investment Counsel discuss bonds… just bonds. This episode highlights the ‘Bonds 101' section from Episode 15: For Your Ears Only… Bonds with Richard-Usher Jones. For those who aren't very familiar with bonds, or may want a refresher, this is the episode for you! Brian and Richard discuss what a bond is, who issues bonds, the relationship between interest rates & bond prices, and more! Timestamps 0:00 Intro & Disclaimer 3:07 The bond market vs. equity market 4:21 What is a bond? 5:50 Coupon payments & "clipping coupons" 7:43 Who issues bonds? 10:47 What determines a bond's interest rate? 12:13 The relationship between bond prices and interest rates 18:05 What do bond ratings mean? 21:22 Investing in 'junk' bonds 26:00 Who has the highest bond ratings? 27:22 Which is safer: bonds or equities? 29:08 What is the yield curve? 31:50 What does the yield curve look like today? 34:57 Outro If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know.

The excitement around artificial intelligence has gone "radical". Our guest believes that in time, AI will "eat all software". And PWC says AI will contribute over USD$15 trillion to the global economy by 2030.* On this episode of The Unlimited Podcast -- with the assistance of ChatGPT -- Brian is joined by Jordan Jacobs, Co-Founder & Managing Partner of Radical Ventures, a leading venture capital firm focused on investing in transformational AI. Jordan is also a founder of the Vector Institute for Artificial Intelligence, a director of the Canadian Institute for Advanced Research, member of the University of Waterloo President's International Advisory Board, a Director of Tennis Canada, former Chief AI Officer of TD Bank Group, and was a Co-Founder & CEO of Layer 6 AI and Milq Inc. Jordan was also the Founder & CEO of SpyBox Media and spent over a decade as a lawyer specializing in entertainment, media, technology, and sports. Brian and Jordan discuss Jordan's path to AI venture capital, what AI actually is, how AI is being used today, how it may be used in the future, and much more...including a ChatGPT demo. Brian also asks Jordan about his time working with Elton John and Elvis Costello and his experience meeting Roger Federer. If you're a music fan or a tennis player, then this episode is (also) for you! Timestamps: 0:00 Introduction & Disclaimer 1:50 Jordan's Bio 5:15 Partnering with Product RED 6:51 Entering into Deep Learning with Milq and Layer 6 11:37 What were Milq and Layer 6 doing? 15:27 Why wouldn't Jordan & Tony sell? 20:58 What is an Image Net? 24:06 Artificial Intelligence 101 28:39 How is AI going to change the way we live? 30:06 Impact of AI on the job market 33:43 Will AI take over the world? 35:34 What is ChatGPT? 38:57 Brian demo's ChatGPT 42:06 What does AI mean for big tech? 48:41 Radical Venture's portfolio companies 55:46 Tesla Full Self-Driving & Self-Driving Technology 1:02:33 How can the average investor get direct exposure to AI? 1:04:36 Jordan's venture with Elton John and a Bono Performance 1:15:33 Jordan's Tennis experience and meeting Roger Federer 1:22:21 Final thoughts 1:24:35 Outro If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. *https://www.pwc.com/gx/en/issues/data-and-analytics/publications/artificial-intelligence-study.html

After a difficult 2022 for bonds, higher interest rates have created increased opportunities for fixed income investors. So to kick off 2023, this episode of The Unlimited Podcast will cover “Bonds 101” and opportunities in fixed income investing with Richard Usher-Jones, Portfolio Manager at Canso Investment Counsel. Richard has 30+ years of industry experience, achieving his Canadian Investment Manager (CIM) designation, and is a Fellow of the Canadian Securities Institute (FCSI). Since 2009, Richard has been a Portfolio Manager with Canso, as well as the President & CEO of Lysander Funds. Canso manages over $35 Billion in assets, specializing in fixed income. In this episode, Brian and Richard go back to basics to explain bonds and how they work, who issues bonds, bond ratings, and much more. They also review Canso's approach to fixed income investing and opportunities Richard is seeing in the current environment. 0:00: Disclaimer 0:44: Intro 2:32: Introduction to Richard & Canso Bonds 101 7:46: Bond Market vs. Equity Market 9:06: What is a bond & how does it work? 10:34: What is a “coupon payment”? 12:50: Who is issuing bonds? 15:32: What determines the interest rate of a bond? 16:59: What is the relationship between bond prices and interest rates? 22:51: What do bond ratings mean? 30:46: Who gets the highest bond ratings? 32:08: What is a safer investment, stocks or bonds? Bonds 201 30:04: What is the yield curve? 36:58: What does the yield curve look like? 40:17: Why include bonds in a portfolio? 44:03 Why should investors consider actively managed portfolios? 46:00: How does Canso help issuers? 50:19: Canso's outlook for the bond market & interest rates 52:17: How is Canso structuring portfolios for this environment? 54:20: How should investors allocate bonds in their portfolios? 55:42: What would Richard do if his world was Unlimited? 56:57: Outro If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know.

In this episode, Ginsler Wealth CEO, Brian Ginsler, reads his quarterly letter to clients from the fourth quarter of 2022. This quarter's letter focuses on the importance of preparation, adaptability, and how Ginsler Wealth is preparing for 2023. For the original transcript of this letter and to see weblinks and other media, please visit: https://ginslerwealth.com/ginsler-wealth-fourth-quarter-2022-client-letter-all-weather-edition/ In this episode Brian discusses: 1:29 Brian's annual fall canoe trip 4:21 Preparing for 2023 5:21 An All-Weather portfolio 6:50 Closing thoughts Note that past performance is not indicative of future returns, and nothing in this podcast should be considered as investment advice. The Unlimited Podcast is Ginsler Wealth audio production. It is hosted and produced by Brian Ginsler, and edited and mixed by David McMillan

In this episode, Ginsler Wealth CEO, Brian Ginsler, speaks with Joelle Faulkner, Founder and CEO of Area One Farms. Joelle is a multi-generation Canadian farmer. She is a Rhodes Scholar and Fulbright Scholar and obtained degrees in Engineering, Business, and Law from Western University, Oxford University and Stanford University. She was named one of Canada's Top 40 Under 40, Canadian Private Equity Summit Emerging Leader, EY Entrepreneurial Winning Women and Canada's Top 100 Most Powerful Women: Future Leaders. In 2013, Joelle combined her finance expertise with her farming knowledge and founded Area One Farms – which now has $450 million of committed and invested capital, and owns 140,000 acres of farmland in partnership with 28 farm partners in 4 provinces. Brian and Joelle discuss what life is like for farmers today, the current global climate for farming, why farmers need partners like Area One Farms, and why investors should think about farmland as an asset class for their portfolios. In this episode we discuss: 0:00 Disclaimers & Introduction 2:47 Introduction to Joelle & Area One Farms 6:07 Farming Today vs. 30 Years Ago 8:53 How Area One Farms helps Farmers 10:30 Economics Today of Farming in Canada 15:17 Farming and Property Changes 19:08 Why Farmers Partner with Area One Farms & Generational Farming 26:24 How does Area One Farms Improve the Land? 30:15 Why Invest in Farmland? 34:37 How does Area One Farms structure its investments? 41:56 Area One Farms & Environmental Social and Governance (ESG) 45:59 Area One Farms Achievements 47:40 Closing Thoughts 48:35 Outro Note that past performance is not indicative of future returns, and nothing in this episode should be considered as investment advice. The Unlimited Podcast is a Ginsler Wealth audio production. It is hosted and produced by Brian Ginsler, and edited and mixed by David McMillan.

In this episode, Ginsler Wealth CEO, Brian Ginsler, speaks with Daniel Zborovski, Founder and Principal Consultant of RestWell Technology. Daniel has over 25 years of experience leading and mentoring security, technical and programming teams. Daniel has managed complex security and IT projects for thousands of clients in legal, healthcare, manufacturing, and professional services. A tech evangelist to anyone that will listen, Daniel regularly speaks on panel discussions and keynote addresses to countless IT professionals, business owners and executives. Daniel is also the architect of multiple award-winning products and services. Brian and Daniel discuss how hackers work in the modern era, best practices for passwords and PINs, as well as “dos and don'ts” for protecting the data of yourself, your family, and your business. In this episode we discuss: 2:33 Brian's personal experience with identity theft 5:57 Recent hacks and stats 7:31 Who is hacking? Why? 11:38 Cyber vulnerabilities 16:00 Hardware tokens and multi-factor authentication (MFA) 18:28 Adding checks and balances 19:35 Social engineering and phishing 23:05 Recognizing phishing 25:50 Protecting yourself while travelling 29:02 The importance of PIN code strength 30:32 The safety of more complex passwords 33:08 Protecting your smart home 35:40 Preventative cybersecurity for your business and the Canada Digital Adoption Program 37:59 Working in a hybrid model 40:42 Closing thoughts For more information on the Canada Digital Adoption Program, please visit: https://ised-isde.canada.ca/site/canada-digital-adoption-program/en. The Unlimited Podcast is a Ginsler Wealth audio production. It is hosted and produced by Brian Ginsler, and edited and mixed by Kathryn Donville.

In this episode, Ginsler Wealth CEO, Brian Ginsler, reads his quarterly letter to clients from the third quarter of 2022. This quarter's letter investigates the opportunities presented by the current market environment and announces a new offering to help improve clients' health. For the original transcript of this letter and to see weblinks and other media, please visit: https://ginslerwealth.com/ginsler-wealth-third-quarter-2022-client-letter-opportunity-knocks/ In this episode we discuss: 1:00 Present market environment 3:07 Current opportunities 3:39 Looking at historic trends 5:50 Adjusting the portfolio and finding new strategies 8:04 Putting cash to work 9:43 Taking time to plan 10:35 Focusing on your health 11:41 Closing thoughts Note that past performance is not indicative of future returns, and nothing in this episode should be considered as investment advice. The Unlimited Podcast is a Ginsler Wealth audio production. It is hosted and produced by Brian Ginsler, and edited and mixed by Kathryn Donville.

In this episode, Ginsler Wealth CEO, Brian Ginsler, speaks with Jeannine LiChong, Portfolio Manager of the Waratah Income Fund, about her path to portfolio management, North American income equities, navigating through investment crises, and the importance of being a good listener. They also discuss their shared experience working with Ira Gluskin, and how they still carry his lessons with them today. In this episode we discuss: 1:55 Background of Jeannine LiChong 3:23 Music and investing 5:45 Meeting and working with Ira Gluskin 12:17 About Waratah and the Waratah Income Fund 16:34 Income trusts and the Halloween Massacre 19:38 Idea generation 22:39 Using Waratah's resources and knowledge base 25:37 Examples of fund holdings: Intact and Definity 28:31 Thoughts on debt 31:14 Lessons from 2008 33:24 Portfolio positioning today 35:16 Being a woman in the investment industry 36:57 Closing remarks and disclaimers Note that past performance is not indicative of future returns, and nothing in this episode should be considered as investment advice. The Unlimited Podcast is a Ginsler Wealth audio production. It is hosted and produced by Brian Ginsler, and edited and mixed by Kathryn Donville. An additional disclaimer from Waratah: The information relayed by any employee of Waratah Capital Advisors Ltd. (“Waratah”) in this podcast is not to be construed as investment advice or as an endorsement of any entity or security discussed. Waratah takes no obligation to correct, update or revise any statements made. In addition, participation in this podcast does not constitute an offer, promotion, or solicitation of an offer to buy any interest in any fund, product, or service in any jurisdiction managed by Waratah.

In this Special Episode, Ginsler Wealth CEO, Brian Ginsler, speaks with Dr. Juveria Zaheer and Sandi Treliving about mental health and Toronto's Centre for Addiction and Mental Health (CAMH). They discuss mental health in Canada, effects from the pandemic, current developments at CAMH, and the evolution of mental health research and funding. Dr. Juveria Zaheer is a Clinician Scientist with the Institute for Mental Health Policy Research, and Medical Head of the Emergency Department at CAMH. Sandi Treliving is a philanthropist, mental health advocate, and a director on the CAMH Foundation Board of Directors. In this episode we discuss: 1:24 Background of Dr. Juveria Zaheer and Sandi Treliving 11:12 Mental health today 18:22 Fighting stigma in mental health 19:18 Research and funding challenges 23:50 Future of mental healthcare in Canada 27:39 CAMH's key areas for research and care 31:56 Getting help 33:30 Getting involved 36:17 Closing remarks The Unlimited Podcast is a Ginsler Wealth audio production. It is hosted and produced by Brian Ginsler, and edited and mixed by Kathryn Donville.

In this episode, Ginsler Wealth CEO, Brian Ginsler, speaks with Daniel Zwirn, CEO and Chief Investment Officer of Arena Investors LP. They discuss the Arena approach to risk-reward analysis, diversification & special situations, and the importance of transparency in completing due diligence - with specific examples around Bridging Finance and Bernie Madoff. In this episode we discuss: 2:21 Background of Daniel Zwirn and Arena 9:31 Arena's asset classes 15:28 Thinking about risk 19:56 Non-traditional investments 23:18 Attachment point theory 30:50 Diversification in portfolios 35:40 Investing in today's environment 42:45 Private lending in Canada, Bridging and Madoff 46:33 Investor due diligence 49:53 Closing remarks and disclaimers Note that past performance is not indicative of future returns, and nothing in this episode should be considered as investment advice. The Unlimited Podcast is a Ginsler Wealth audio production. It is hosted and produced by Brian Ginsler, and edited and mixed by Kathryn Donville. An additional disclaimer from Arena: The information provided by Arena Investors in this podcast should not be considered a recommendation regarding any particular investment. The actual and potential investments discussed are meant to be examples of Arena's investment approach. It should not be assumed that any of the investments discussed herein will prove to be profitable, or that the investment recommendations or decisions made by Arena in the future will be profitable. This podcast does not constitute investment advice nor is it a recommendation or an offer of investment advisory services or products. No person in any jurisdiction may treat this document as a solicitation or offer of any advisory product or service. A prospective investor must rely solely on the terms and associated disclosures in any final offering memoranda, investment management agreement and associated subscription documents (if any), which would constitute the only basis upon which offerings of any product or service may be made.

In this episode, Ginsler Wealth CEO, Brian Ginsler, reads his quarterly letter to clients from the second quarter of 2022. This quarter's letter draws parallels between investing and tennis, and helps investors to understand whether (and when) to take riskier shots. For the original transcript of this letter and to see weblinks and other media, please visit: https://ginslerwealth.com/ginsler-wealth-second-quarter-2022-client-letter-wimbledon-edition/. In this episode we discuss: 1:37 Current markets and Wimbledon 2:45 Brian's recent tennis matches 3:56 Probabilities in tennis and investing 5:43 Defensive positioning 6:55 Low probability shots that score 7:32 The Netflix case study 9:30 Don't lose money 11:02 Looking forward Note that past performance is not indicative of future returns, and nothing in this episode should be considered as investment advice. The Unlimited Podcast is a Ginsler Wealth audio production. It is hosted and produced by Brian Ginsler, and edited and mixed by Kathryn Donville.

In this episode, Ginsler Wealth CEO, Brian Ginsler, speaks with David Rosenberg, President and Chief Economist & Strategist of Rosenberg Research. They discuss what it takes to be a successful entrepreneur, economics 101, modern inflation, and David makes one of his boldest calls yet on the Canadian housing market. In this episode we discuss: 2:31 Background of David Rosenberg 5:28 Work ethic and passion 11:02 Entrepreneurship 14:44 Differentiation and building a business 18:00 Supply and demand curves 22:22 Inflation today 28:24 Central banks and interest rates 35:29 Supply and demand in the economy 36:52 Economic cycles and recession 38:47 Looking ahead for investors 40:52 Global supply chains 46:02 Investing through a recession 48:09 Canadian housing market 56:31 Closing remarks and disclaimer Note that past performance is not indicative of future returns, and nothing in this episode should be considered as investment advice. The Unlimited Podcast is a Ginsler Wealth audio production. It is hosted and produced by Brian Ginsler, and edited and mixed by Kathryn Donville.