Podcasts about Manulife

In this episode, Tim sits down with longtime friend and financial advisor Dave Appleton, who brings over 40 years of experience in financial planning. Dave shares insights on the importance of long-term financial strategies, emphasizing visualization as a powerful tool for understanding complex financial concepts. He explains key principles like the rule of 72 for investment growth and the value of diversification to secure financial stability across generations. Through real-life client stories, Dave highlights how proper planning can lead to financial success and security, while short-term thinking—like what fueled the tech bubble—can be detrimental.Beyond finances, Dave and Tim explore the importance of staying active and engaged in retirement to maintain both mental and physical well-being. They discuss how early retirement without purpose can increase the risk of cognitive decline and why continuous learning, including leveraging screen time for education, can keep the mind sharp. Dave also shares how simple visualization techniques—like using sugar cubes to demonstrate financial impact—can make complex topics more accessible. Tune in for a conversation that blends financial wisdom with practical life lessons, helping you make smarter choices for a more secure and fulfilling future.About Dave AppletonDave has been assisting individuals with the planning of their Lifestyle Retirement goals. His objective is to provide individuals and business owners with the advice they need to achieve their immediate and long-term goals by offering a wide range of financial products and services through Planning Strategies Group Ltd. In 2004, Dave was awarded by the Financial Planning Standards Council of Canada (along with two other business associates), the prestigious award of "Advisor of the Year".In addition to help develop and manage a Financial Planning department for a major world-wide Life Insurance corporation, he was also one of the first individuals to set up a full service Financial Planning company in association with accountants and lawyers, this providing a one-stop service for individuals and business owners needing Financial, Estate and Tax Planning advice.—Contact Tim Sweet | Team Work Excellence: WebsiteLinkedIn: Tim SweetInstagramLinkedin: Team Work ExcellenceContact Dave Appleton: Linkedin: Dave Appleton--TranscriptDave  00:01A picture is worth 1000 words. You get good screen time. You've got 10,000 words, and the memory of a picture is a lot greater than the memory reading from a book. I'm not saying you don't remember. It's just that the picture is there and you can visualize, and if you can visualize something down the road in 10 years, five years. But the thing is, it imprints is there, but the book isn't the same as a picture as that picture. This is why this has become a lot more usable. Tim  00:33I'd like to ask you some questions. Do you consider yourself the kind of person that gets things done? Are you able to take a vision and transform that into action. Are you able to align others towards that vision and get them moving to create something truly remarkable? If any of these describe you, then you, my friend, are a leader, and this show is all about and all for you. I'm Tim Sweet. Welcome to the 53rd episode of the Sweet on Leadership podcast. Tim 1:06Welcome back, everybody. Thanks for joining us again. Here on the Sweet on Leadership podcast, I have a dear friend joining me today. I'd like to introduce you all to Dave Appleton. Dave Appleton has been a friend of our family, helping us with financial decisions. We've known each other for years. We came from the same community, but Dave means so much to the health and the wealth and the happiness of my family that it's a real pleasure that I get to introduce all of you today to this fine man. So Dave, thanks for joining us. I hope that this is a fun experience, and I'm looking forward to all the reactions we're going to get from this, because I know that the lessons and the messages that you have and what you've taught me in the past is going to resonate with a lot of people out there that are trying to improve their influence and their impact with others and their life in general. So again, I'm really excited for this one. Dave 02:01Happy for you. It's been a pleasure. Tim  02:06Okay, Dave, why don't you tell us a little bit about you and the company you run and give us a picture for what your purpose in life is. That would be great.  Dave  02:14First of all, I have been in this business for over 40 years.  Tim  02:19Yeah, wealth management and financial advisory. Dave  02:23Yeah, and insurance and I started with, years ago, I started with Manulife. And it's funny because I went with Manulife because they were focused on money products, like financial planning, and that really attracted me. Prior to that, I was in real estate for I had my own business in real estate for about 15 years. And I think when you go from one type of business to another, but they're both linked to financial, there's a lot of crossover of information that you maintain and or keep. And I think I've always been in the money side of things, because it intrigues me. Real Estate, you're helping people. Transitioned over into the financial services industry. And I say financial services insurance was not the hot topic at that time. It was more helping people with their money, retirement planning, things like that. And interestingly enough, I joined Manulife because they bought or developed a plan, a financial planning plan from California, Financial Profiles. It was called, and it was a dot matrix program. Tim 3:30Yeah, so floppy disks? Dave 3:30Well, it was a very slow process, and I to relay a story to that, I remember one time I was doing a plan for somebody, and I said, Oh, I hit the button to say, I want the whole plan. Four hours later, we finally got the plan. I actually went out for dinner and came back and it was still printing. So it shows you how things have changed, from a technology point of view. And, you know, it's interesting when you look at these things and how financial planning has become a hot topic. Before people, oh, yeah, financial planning. And there was all sorts of people that said they were financial planners. You don't want to become a product peddler, shall we say, but you want to become a financial planner, where you're looking at analyzing and helping people get reach their goals. And what financial planning does is it forces you to look at the things you want to do, where you are in life, what direction you want to go, family, everything else, and then you plan accordingly. Tim  04:23What's one or two of the most meaningful transformations you've seen families that you've helped make. Dave  04:30Most of my clients have been with me for over 25 years. And interestingly enough, when you look at where they started from and where they are now, and I'm not the magic guy, it's just that when you have the information, you can make the right decisions, or hopefully in guidance. And that's all you know, a financial planner isn't guide, shall we say, guide of going through life. And you, you provide people with information, and then they can discuss those options and choices that you they have to do or and help them along the way. Sometimes it's just a couple, then it becomes a couple and some children, and goes from there. And yeah, some of the couples I started with that had children, the children are now clients of mine too. So yeah, it's an ongoing, it's an ongoing business. And I like that, because I think, and that's the teacher in me, because I taught a couple of years. So yeah. Tim  05:20You know your client set is really interesting, because you've been with some of them from the very beginning all the way through to the very end and you know, for us, and we've been clients of yours for years after we were introduced by a good friend, and you spend your days, you have the focus to spend your days looking at what options are out there, what movements are out there? What needs to be done keeping an eye on that aspect of my and my wife's life, you're calling me and saying, Hey, this is happening. This is going on. We need to move something around, or we need to plan for something in the future. And so you're able to devote your time to keeping an eye on things for people where they may not have the time or the expertise to keep that that attention as high as it needs to be. My clients, even this week, when they're facing challenges of leadership and team, they may never have dealt with that challenge before. They're not an expert at getting out of that issue. I deal with it 30 times a year, and so I specialize in some of the issues that they call me in for If your faucet is leaking, you call a plumber, right? You don't call the local baker or something. That's what I notice for sure. Do you think captures it? Dave  06:32As a planner, I'm not a chartered accountant, I'm not a lawyer, but I think the people that are in need of financial advice are the business owners, the self employed and people that have family situations and that getting the right advice is so important when you're planning for your future. And I think that's the problem. Is most people don't think far enough ahead. They think ahead, but they don't they think about next year, but they don't think about five years, ten years, and where am I going to be and making a big financial plan when you're 30 years old. I stopped doing the big, complex financial plans because there's too many changes between age 40 and 60 in retirement years or 30 and and 50. And you can do a plan, but it doesn't have to be a complex plan. Yeah, and I think that's the key is you gotta, you just gotta have a direction and understand things, understand terminology. What's an RSP, what's a RIF? These are things that we I think every business has their own acronyms. What's your GDS ratio? People say GDS, well, gross debt service ratio, and then that's how they qualify you for a mortgage. Every industry has these little short forms in that, like here, in ours, we have the riff, we have the list, and people look at you, and you got to be careful, as an advisor, not to utilize these term, this terminology, without explaining what it is, because if you say it and they don't understand it, they're not listening from there on. Tim  08:00So that's that brings us to a really interesting point, because, you know, again, I consider you one of my close friends now at this point. And for those of you that can't pick this up in Dave's voice, because you sound spry and youthful, and you are, you know, you're the same age as my dad. You'll have a big birthday coming up this year, right? And when we talk on the phone or whatever, to me, age is irrelevant. It's trust and respect and mutual interest in the other person's well being and all of those things that kind of come into play. And a big part of that for us, Dave has been that you come to the house when we need to be thinking a certain way. You keep us on a plan and on a track, and you help us see things differently. You help us consider all of our options. You put everything on the table. And you do this in such a personal way, because one of your one of your habits, is to always be doing this in really close proximity. It's not something that's kept at a distance. It's very intimate. And we're having coffee and we're sitting around the table, and it's… Dave  09:08Tim, I'll interrupt you there. That's why I come to your house for a free cup of coffee. There you go.  Tim  09:12There you go. Free cup of coffee. Oh, I hope our coffee is all right. But when you think about that, and you think about the value that you can bring to somebody by having them get out of their bubble and thinking long term, right? That's one of the biggest benefits that you've given us, is allowing us to take a much longer view. And in the middle of COVID, when things are a little bit hot, rational outside perspective, focus on the larger picture here. Don't get too bent about the little moves. What kind of problems in the world or with families are associated with that thinking too close, thinking too much in the short term. Dave  09:50I'll give you a good example, in the tech bubble. When it was back in the 2000s, that tech bubble we talk about it, tech stocks were just i. Everybody wanted to be in tech. And I had, I think I might have, might have told you this before, I had a client who was a GIC client, and we finally got him involved in some insurance company segregated funds, which are like mutual funds, because of the guarantees that they provide. That was a big step for him. And I always remember he was there for years, and when the tech market was going crazy, he says, oh, we were making like 16% in on our on his investments, and he wanted to move because his neighbor next door was in tech, and he was making 24% so he moved all his money into tech. I didn't do it. I said, I think you're crazy. And as we know, the tech market went from $1 to 20 cents, in some cases, some of those stocks, and it was a short term thinking, talking about long term, short term. One thing if people can remember, the one thing if they can remember, is the rule of 72 and the rule of 72 is, if you take 72 divided by the interest rate that you earn on your investment, that's how long it takes your money to double. So if I get 10% as an example, it's going to double in 7.2 years. Yeah, if I get 5% Oh, guess what? Now it's double the time. If I get 2% I get, Oh, here you go, the banks give me 2% of my on my savings account. It's going to take your money 30 plus years to double at 2% and we're only talking a difference of, Oh, I get 7% that's 10 years. I'm going to use 8% as an example. So every nine years, my money doubles. So if I put in $10,000.09 years later, and I get 9% I get nine years, my might becomes $28,000, it's the next nine years with 20 becomes 40, and then 80, it's a doubling of the doubling. And I think that's what people forget, is it's, that's the long term thinking. And if you can, you don't need 50% returns. You don't need 40% because now you gotta add in the one thing that really affects everything is the risk factor. Yeah, okay, I got a picture in my office, and it's actually, I think it's down Pebble Beach. It's the one where they shoot the golf ball the holes across the ocean. There Was You gotta get it across, and the bottom of it is risk. I'm looking at it now, and you look at these things, you think, oh, yeah, because people don't sometimes look at the risk side. I'm not saying people don't make more money in short term, but don't put all your money.  Tim  12:34I think there's a crossover there to life, and that is in terms of Jen and I, when it comes to either finances or what we do more broadly, in the things we choose to engage in, you want to have things in your life that are very solid, that are foundational, that give you that low or or controlled risk environment, so that you have bandwidth to take some risks in other areas of your life. So you know, when it comes to investment, I have a portion of my portfolio that is in startup companies and things which are a little higher risk, but the stability of my long term investments gives me the ability to play over in those spaces without feeling overly exposed, right? It gives me a little bit of freedom. And it's the same thing that financial stability that we've created with you, allows me to take the risks that are associated with being an entrepreneur and being a business owner and investing in my business and making plays in my business, which other people might find very scary that don't want to take those risks, and so balancing that kind of net risk is part of that control part of our life that allows us to then be free and creative over in other parts of our life where we need to be free and creative. Dave  13:59Yeah, I think you have to ask yourself, Where did you go through life? You got to say, okay, is my investment an investment, or is my investment a gamble? And when it becomes a gamble, the risk factor goes up considerably. We all do this, but you don't do it with 100% or 80%, 50% of your money. You want to play the game. As I always tell people, you want to play the stock market. You take some money and go play it. It becomes a gamble when you're taking I gotta double my money overnight. I'm gonna bet this one horse, and he's gonna. It's a hot tip. Tim  14:31Just this past week, I used the phrase again when I was doing some career work with an executive. We were talking about getting stuck in waiting for someone else to promote you, hoping that somebody notices you. That, to me, is a gamble, right? That you're hoping that other people are going to do something in the same way, that if you're not enjoying your job and you jump and you don't know what you're moving into, or you're not leaving with a feeling of success from wherever you jumped off. You're playing the career lottery, and longer term thinking says we have to slow some things down. We have to really analyze what all of the inputs are and then make the best possible strategic moves to lower the risk overall. It doesn't mean you can't do exciting things. It doesn't mean you can't take risks, but you do it with as much data and as much controlled risk as possible, I think there's great lessons that transfer over to how we think about the game of money and investment and financial literacy and all of those things, when we start to apply those same lessons to our life. Dave  15:37Yeah, and I think there's been a lot of stuff written books and that on people that win the lotteries, yeah, and you look at it and you say, a lot of those people don't have the money in five years. They win big money, and they don't do the planning. They don't, a million dollars. You can't retire on a million dollars. As a kid, I used to watch the program The Millionaire on TV, and a million dollars, back 40 years ago, was a lot of money. I had a client that they inherited $900,000 and of course, one year, if you can believe it, they spent $100,000 in travel costs. They started to listen to me because I said, Well, you're just going to burn it up because you can't expect to double your money replace that type of usage in one year. Hey, you want to have a travel budget, that's fine, but stick to the budget. I mean, I always like to tell people you want to, we like cruising. And you know, when you do it, they got six month cruises. Those cruises are $200,000 people buy those tickets, but those are people that have a lot more. And 200,000 is probably like 20,000 for the average person. They use that money because they're going to, obviously, they're going to be out traveling around, doing spending, and they're not just spending 200,000 on the cruise those cruise ships sell out. But I look at cost of living things like that, we're going to go through this with the tariffs and everything. I think this is going to cause a great wake up call for a lot of people. Yeah, they're going to have to start looking at the deals that are out there. You know, are you going to go out and buy oranges if they're going to cost you 10 bucks a pound or whatever? I don't think so. So these are things that people have to start looking at. Investing money. I'm going to say, Well, okay, don't tell me. I'm going in for lower risk. I'm going to invest in my GIC. Well, that's a risk. Yeah, right away. It's a risk because the risk is you're going to run out of money, yeah, because you can't survive on a 2% rate of return when inflation is three. And you can't survive if you're 40 years old. Putting into GICs, the key, I think, to any investing is diversification, and diversification simply means that I got my money all over the world. You've got a whole blend. Don't get into the risky diversifications.  Tim  17:53Yes, I think it's a great segue into thinking about the real risk of decisions. And again, this is one perspective I'd love to ask you about right now. One thing that we know is happening is perhaps people invested and are able to retire right now. And so you and I had lots of talks around retire at 60 or retire at 65 and we're seeing lots of strong data now coming out about the increased dementia risk when people are bored and when they're not active and feeling useful, even having suitable amounts of stress, and definitely a notion of having purpose and a community and people that hang around is really important. And taking that decision that this is when people retire, decision, this is what we should do. This is what society says we, when we should put ourselves out to pasture. That's never been your game. For the people that are out there listening. Drop that knowledge on them. Drop what you told me about the thought of staying sharp, challenging yourself to help other people.  Dave  18:59I think working and keeping I'm not saying it's going to prevent dementia, but it forces you to remember things. It forces you to be active, forces you to interact. And I think the highest risk retirees, if you can believe it, are the police and firemen. Because they have a high, high stress job, they retire, and they sit retire, and they sit at home, watch TV and bang, and the mind goes, I'll be working on the day I die, as I said, and I don't mind that, because you feel you're interacting, you're you're alive. Let's put it this way, you see at Home Depot, you see all these people that are retired and they're working there. When you take an Uber, I like taking an Uber because you're talking to people that are, yeah, they're working and everything you're getting life stories from these people, yeah, really interesting to hear the life stories of different people. Tim  19:49Any year I have clients, probably three to five a year are people that are on to second careers. They're 60-65 or older. They've retired. And it's hasn't worked for them. They're starting businesses. They're entering into consulting. Often the story is that they finished working when they were told they should finish working, when they were prepared to finish working, and they're bored. My clients are primarily very driven people. They're leaders of organizations. They're people that are not satisfied with kind of mailing it in and taking it as it comes. And you're not going to suddenly become somebody who is going to be satisfied with a boring existence or a purposeless existence after you retire. And so pay attention to who you are now, there are things that people misidentify as, stuff that'll never change when it actually can change, and there's things that people think will change when it actually won't change, for instance, your personality or your drive, and in some way, shape or form, you're not going to suddenly change who you are, right? Some of those things are pretty baked in. We've come quite a ways here. We've talked about the lessons that we can capture from long term thinking. We have talked about how important it is to think this way, Assuredly when it comes to our wealth and when it comes to life and planning and family, what do you want people to challenge themselves to do? After listening to this. Dave  21:25You got a plan around what they have. What is your lifestyle? What is your family situation? Do you have kids? Do you care about your grandkids? Are these factors so we put away 150 bucks a month for the grandkids when they hit age 60 or 65 there's a half a million dollars in access to cash flow. And you know, there's different things, you know, you say, oh, inflation, Oh, that's too much money. Tim 21:49150, bucks a month is too much. Dave 21:50It's not too much more than 10 bucks or a cup of coffee every day. It's 300 bucks a month, right there. If you don't do that, how much you're going to have when the kids hit 65 you can save money, and if you're willing to adapt, I'm not going to buy steak every day. Well, I'll buy it if it's on sale once in a while, but I don't think everybody should have steak every day anyway, so it's not good for your body.  Tim  22:14So you help people plan from a financial perspective. I help them plan from a career perspective. I think it's always hilarious that when I ask somebody they've spent more time planning one vacation or buying one car than they've ever put into where are they going in this life, making decisions, looking at what we're starting with, and mobilizing the assets we've got and the choices we can make towards the future that we want to have. Dave  22:44You're a good example, Tim, you were a chef. You did things and you changed. You've changed careers, and you were good, but then you say, Do I want to do this for the rest of my life? And you made a change, and I made a change. I taught for a couple of years, and I made a change. If people look ahead and say, Okay, I gotta, I gotta change, make a change in my direction, because otherwise, if I keep going this way, I'm going to fall off the cliff.  Tim  23:08Yeah, yeah. Or somebody else can decide when I fall off the cliff.  Dave  23:12Well, as I've said to you, and other people say, I'll live to, I want to live to 125 because I want to see them, uh, grow up. But, yeah, that's not going to happen. But it's think that way. Maybe it does.  Tim  23:22Yeah, and some people start with more privilege than others, or better situations than others. But wherever you're starting, having a plan and being intentional versus leaving it up to chance, you'll do better off regardless of your starting position. We do this little game here where we play a hopscotch game between guests. In a previous episode, we had Jared Vandermeer, who was a social media expert, join us, and he lobbed a question, which we're going to play for you now that I'd like you to respond to. Jared  23:52Let's talk screen time. I challenge you to look at your screen time on your phone, if you're comfortable, share your screen time with the audience and then let us know what you're doing to manage it, if anything, at this current time. Dave  24:05I, first of all, I probably don't know my screen time because I use my phone what's changed, and I'm not making excuses. This is, this is my diary, you might say, and everything in it, because I… Tim  24:17Yeah, same thing. It's our office on our hip.  Dave  24:21It's a tool. Yeah, it's not. Now, I would probably say, I we talk screen time. I'd like to say, Okay, let's What's your screen time in front of that TV? Yes, to me, it's true screen time. And yeah, I say there's people that spend hours, an hour in front of a TV and watching, what do they watch? Nothing. Oh, I'm going to watch the news, their news crazy or whatever. And I watch TV, but what I really enjoy is, if you can learn, even my grandkids like sitting there watching a cartoon is one thing. Sitting there and watching a program that is a learning, use it as a learning tool. The Smithsonian on TV is free use now, and the history and things like, that's what. To learn. That's good screen time. Yeah, okay, that's like reading it. That's a video book, almost, because you're seeing history and actual photos and things like that. That's good screen time watching some movie. I know people that they're movie buffs, and they go, that's all they watch. And I think you gotta differentiate. There's nothing wrong with screen time, we see it now how it's come into the educational system. The kids can watch it, but it's not watching cartoons. It's a learning tool.  Tim  25:29Is there quality screen time versus something that's keeping you from investing that time in better ways? We should be a little more discerning when we say screen time to are there things that can help us grow? So I love that answer, Dave. Dave  25:46Yeah, I think it's the old adage, like a picture's worth 1000 words. You get good screen time. You've got 10,000 words, and the memory of a picture is a lot greater than the memory reading from a book. I'm not saying you don't remember. It's just that the picture is there and you can visualize, and if you can visualize something down the road in 10 years, five years. I mean, I can, like I said to you earlier, I remember that movie The Millionaire, and I can, you can almost picture some of the old TV. And I can't remember the guy's name or what. But the thing is, it imprints, is there, but the book isn't the same as a picture as that picture. This is why this has become a lot more usable. Problem is they've let the use of this not why they ban it in schools. Is because the kids are saying, well, I'm texting out Sally over there in the other side of the room, and we're going back and forth and things like that. That's not the intended use. Whereas, if they said go into Google this and Google dinosaurs, will say, you know, if you see, you know, a video on dinosaurs and how they lived and things like that, it sinks in. It's an impression that kids suddenly say, Oh yeah, I see that pterodactyl. And now I know what the pterodactyl is. My kids, my grandkids, when they you know, we go to the drunk Heller, and they know the names of the dinosaurs, and they're six years old, for crying out love, if you can bring that type of screen time in early ages, it really helps them down the road in terms of reading and things like that.  Tim  27:17In the 15th century, intellectuals and religious leaders were fearful that, because of the printing press, books would overload the population with information and ideas. And there was a scientist called Conrad Gessner. He lived around 1550 in there. He warned that the flood of information was going to be confusing and harmful coming from books that most people couldn't handle it. And we have to think of the quality of information that are pulling in the intended use. And so we have to, you know, get really chunky on what's the what is the good use of this tool, this new technology, and what is the harmful use, and don't confuse and conflate the two. And make sure that we're being pretty honest when we consider these things. Dave  28:08Am I going to read a book about dinosaurs, or am I going to show pictures of dinosaurs and talk about it, okay? And this is one thing people should think about. Talk about visualization. One sugar cube is roughly four grams. The number of sugar cubes on different things. The highest one was the Tim Hortons candy cane hot chocolate.  Tim  28:28Yeah, how many sugar cubes?  Dave 28:3116Tim 28:3116?Dave 28:32In one cup. Tim 28:33Yeah, so that's… Dave  28:3364.Tim 28:3364 grams… that's  a quarter of a cup. So you don't, are you gonna put a, would you sit down with a spoon or a straw and drink a quarter cup of sugar? Probably not. Dave  28:46But, and so when I look at when I look at when I go, if I go shopping, and I look at the gram, because being diabetic, you gotta see how much is the sugar. I mean, I can visualize when I say what it says, 16 grams of sugar. I say, hold it. Like one cookie is 16 grams of sugar. It's like a muffin is 30 grams of sugar. You say, What is 30 grams? I can tell you what 30 grams is, it's seven and a half sugar cubes. I say, Oh, crap, I can't eat that.  Tim  29:11You're gonna be a lot better off translate Dave  29:13Things that sort of, you can remember so to speak. Tim  29:16Yeah, yeah. We used to say speak in people's currency, because working with, if I'm working with one of my very first regional management jobs with was with a large scale food manufacturer, and I would be talking about waste, and if you're talking in dollars and cents, that didn't mean a lot to people on the line. But if I said we're throwing out the equivalent of two dump trucks full of dough every week. That's what we're after. That's what we're chasing. And that meant something to them, because they could visualize a dump truck full of dough. Okay, Dave, last question, what would be something in life that you would be one business that you would be just curious about asking a stranger, that you could get some out of the box thinking with something you're interested in related to life or work or whatnot. What would you ask somebody? What would be a question that would be on your mind? Dave  30:14What are your goals in life here that you want to achieve? Because that determines what road you go down, that's your road map. What is your goal in life? What's the most important thing in life that you feel is something you would want to do? You got to be able to visualize things that comes to planning and everything else you know. And if you can do that, if you apply that same concept in your life and financial and everything else, if you know what the goal is, the quality falls into place, that's the philosophy of life.  Tim  30:43Well thanks very much for spending this time with me, Dave. Thank you so much for listening to Sweet on Leadership. If you found today's podcast valuable, consider visiting our website and signing up for the companion newsletter. You can find the link in the show notes. If, like us, you think it's important to bring new ideas and skills into the practice of leadership, please give us a positive rating and review on Apple podcasts. This helps us spread the word to other committed leaders, and you can spread the word too by sharing this with your friends, teams and colleagues. Thanks again for listening, and be sure to tune in two weeks time for another episode of Sweet on Leadership. In the meantime, I'm your host. Tim Sweet, encouraging you to keep on leading.

Manulife's Jessica Harrison and CBRE's Kevin Aussef join us from the CBRE Investor Symposium, where they highlight investment opportunities, particularly in alternative asset classes.Share these insights: - Market Momentum: Real estate capital markets are gaining momentum, as the gap between buyer and seller expectations narrows.- Strategic Investment: Sectors like affordable housing, cold storage, and industrial outdoor storage present attractive opportunities.- Market Reset and Repricing: Investors are setting their sights on higher returns, even for lower-risk assets.- New Approach: Manulife has transformed into a private equity real estate investor and launched new investment strategies to capitalize on market opportunities.- Tech Advances: AI enhances operational efficiencies and predictive analytics, improving underwriting and investment decisions.

Rising tensions, evolving trade policies, and potential tariffs have sparked widespread discussions—even going as far as rallying hockey fans on both sides of the Canada-US border. Are these policies merely a negotiation tactic, or do they signal a shift in North American trade dynamics? Join our Co-Chief Investment Strategists, Kevin Headland and Macan Nia, as they explore the latest trade developments and their potential implications for Canadian investors. In an in-depth conversation with Dominique Lapointe, Global Macro Strategist, Multi-Asset Solutions Team, we zero in on tariffs and trade disputes and examine their potential impact on Canada's economy. Tune in to our latest episode for insight on this evolving landscape.

For many employees, work is more than a paycheck—it's an opportunity to contribute to something bigger. But for organisations, creating a culture where purpose is more than just a slogan requires bold action and thoughtful strategy. One organisation that has achieved this successfully is financial services company Manulife. In this episode of the Digital HR Leaders podcast, host David Green sits down with Katherine Macnaughton, Vice President of Global Talent Management and Development at Manulife, to discuss how Manulife is embedding purpose into every stage of the employee journey. Together they explore: The catalyst that sparked Manulife's cultural transformation How the Better Life Campaign is creating a more engaged workforce The business impact of aligning employees with a shared purpose Preparing for the future and Generative AI readiness with Manulife's Pursuit Program Addressing job security concerns in the age of AI Listen now to learn how Manulife is redefining what it means to work with purpose. This episode is sponsored by Amazing Workplace, an AI-powered platform designed to help companies grow and succeed by unlocking the full potential of their people. By providing the most accurate insights into how employees feel and why, Amazing Workplace equips leaders with powerful tools to drive meaningful improvements where they matter most. With Amazing Workplace, companies have reduced turnover by up to 90%, have increased revenue by over 400%, and solved recruitment. Find out more at www.amazingworkplace.com  Hosted on Acast. See acast.com/privacy for more information.

In this episode of FP&A Tomorrow, host Paul Barnhurst, aka The FP&A Guy, sits down with Hugh Cumming, the CTO of Vena Solutions. They explore how AI and technology are transforming financial planning and analysis (FP&A) by discussing real-world AI implementations. With over 20 years of experience in fintech and digital transformation, Hugh shares his perspectives on AI-driven efficiency, the evolving role of FP&A professionals, and the future of Excel in financial modeling.Hugh Cumming is the Chief Technology Officer (CTO) at Vena Solutions, a leading FP&A platform for Excel users. Hugh has led global teams in engineering, UX, cloud computing, and AI-driven innovation at companies like Finastra, SecureKey Technologies, ADP Canada, and Manulife. Hugh talks about his passion for using technology to drive efficiency and smarter decision-making, and helping to overcome change resistance in finance teamsExpect to Learn:How AI is reshaping FP&A workflows and automating financial reporting.The role of AI-powered copilots in driving business efficiencies.Why change resistance in FP&A is common and how to overcome it.The future of Excel, Python, and automation in financial modeling.Practical advice for FP&A professionals to prepare for AI-driven changes.Here are a few relevant quotes from the episode:“One of the biggest barriers to AI adoption in FP&A is simply finding the time to implement it.”“AI-driven tools should feel like an extension of your team, not an external system you have to fight against.”“When you start using AI for small tasks, you quickly realize how much time you've been wasting on manual work.”Hugh Cumming provided incredible knowledge about how AI-powered tools like Vena Copilot are helping finance teams become more efficient, strategic, and data-driven. Excel isn't going anywhere, but it's getting smarter. AI isn't replacing people, but it's making their work more valuable. As Hugh emphasized, those who adapt and leverage these innovations will thrive in the evolving financial landscape. The AFP FP&A Forum:The Association for Financial Professionals FP&A Forum, March 17–19 in Austin, is the must-attend event for finance professionals seeking sales-free, expert-led insights on AI, process efficiency and strategic planning. With 18+ actionable sessions and a community of peers, this forum is all about real learning, no fluff—join us and take your finance game to the next level.Explore the agenda: https://bit.ly/40W1eChUse the code FPAGuy2025 for $200 off: https://bit.ly/40Cts3BFollow FP&A Tomorrow:Newsletter - Subscribe on LinkedIn - https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6957679529595162624 Follow Hugh:LinkedIn - https://www.linkedin.com/in/hughwcumming/Company - https://www.venasolutions.com/Follow Paul: Website - https://www.thefpandaguy.com LinkedIn -

Health plan leaders from Cambia Health Solutions, Highmark Health and League share strategies for driving consumer engagement, improving health outcomes, and optimizing payer-provider relationships. Learn how health plans can shift from broad segmentation strategies to truly personalized, member-centric healthcare by harnessing data, AI, and digital transformation.     Learn how health plans are using AI-driven insights to deliver tailored interventions.

Join Michelle Martin on her tour of markets! Hosted by Michelle Martin with Ryan Huang, as both break down Asia-Pacific markets, which have been trading lower amid US tariff concerns. Dive into REIT Watch with a focus on Prime US REIT, Manulife US REIT, United Hampshire US REIT, and Sasseur REIT. Explore tech headlines from Microsoft’s quantum chip to Apple’s new ( and cheaper) iPhone 16e. Get updates on Tesla, Palantir, Nikola, SingTel, Grab, Yangzijiang Shipbuilding, DBS, OCBC, and Wilmar International. Plus, discover Singapore’s Straits Times Index performance and end with a taste of Bon Broth by Chef Andre Chiang.See omnystudio.com/listener for privacy information.

2025 is in full swing! What can we expect from equity and fixed income markets as the year gradually unfolds? Our first podcast episode of 2025 is an absolute must-listen. Hear from our Co-Chief Investment Strategists Kevin Headland and Macan Nia, as they delve into the opportunities and challenges shaping the market landscape this year. Can we expect some volatility up ahead? No matter what's in store for investors in the coming months, it's important not to get overly cautious or fearful. Stay the course, and as always, remember to stay invested—especially when there are bumps along the way. Tune in as our experts underscore some of the key developments in 2025. This is one episode of Investments Unplugged you won't want to miss!

The one where Ted chats with Karen from Manulife.Sign up for the Marketing News Canada e-newsletter at www.marketingnewscanada.com.–Special Offer for Marketing News Canada ListenersUnbounce can help you easily build landing pages, popups and sticky bars. Highly customizable and no coding required, anyone can get started on converting more traffic into leads, signups and sales. Try it yourself with a free 14-day trial and get 20% off your first three months now! https://unbounce.grsm.io/5cmrgz1mt3r6Thanks to our sponsor Jelly Academy. Jelly Academy has been helping professionals, students and teams across Canada acquire the skills, knowledge and micro certifications they need to jump into a new digital marketing role, get that promotion, and amplify their current marketing roles. Learn more about Jelly Academy's 6 Week online bootcamp here: https://jellyacademy.ca/digital-marketing-6-week-program–Follow Marketing News Canada:Twitter - twitter.com/MarketingNewsC2Facebook - facebook.com/MarketingNewsCanadaLinkedIn - linkedin.com/company/marketing-news-canadaYouTube - youtube.com/channel/UCM8sS33Jyj0xwbnBtRqJdNwWebsite - marketingnewscanada.com Follow Ted Lau: LinkedIn - https://www.linkedin.com/in/ballisticarts/Website - https://www.ballisticarts.com/ Follow Karen Leggett:LinkedIn - https://www.linkedin.com/in/leggettkaren/?originalSubdomain=caWebsite - https://www.manulife.ca/personal.htmlAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Michael Serbinis, CEO and Founder of League, sits down with Eric to for a compelling discussion on how digital innovation is reshaping healthcare. Discover how League's platform empowers health plans like Highmark to deliver personalized, data-driven experiences that simplify navigation, improve engagement, and enhance member satisfaction. Mike shares fascinating insights on: The power of a unified digital front door for healthcare consumers  Real-world examples of how League amplifies care access and reduces costs  The role of personalization in creating Amazon-like experiences for healthcare  Mike also reflects on lessons from his entrepreneurial journey, including his time working with Elon Musk and how it inspired his vision to transform healthcare. Listen in for actionable strategies on leveraging technology to meet evolving consumer expectations and drive better outcomes. About Mike Michael Serbinis founded League in 2014. League accelerates the digital transformation of the healthcare consumer experience (CX). Serbinis has led the company since its inception, raising over $235 million in funding and driving exponential growth as League powers healthcare's biggest brands.    Mike has had a long and distinguished career as a serial entrepreneur, rocket scientist, engineer and investor. Most recently, Serbinis was the founder and CEO of Kobo, a digital reading company that rivals Amazon's Kindle worldwide. Before that, he founded cloud storage pioneer DocSpace and then built Critical Path, a messaging service that handled one-third of the world's email. Serbinis is also Chair of the Board of Directors for the Perimeter Institute, the world's leading center for scientific research in theoretical physics.    Now, as the CEO of League, Serbinis is focused on healthcare transformation. Payers, providers and pharmacy retailers build on the League platform to accelerate digital transformation and deliver high-engagement, personalized digital experiences. Millions worldwide use and love solutions powered by League to access, navigate and pay for care.   About League  Founded in 2014, League is the leading healthcare consumer experience platform, reaching more than 20 million people around the world and delivering the highest level of personalization in the industry. Payers, providers, and consumer health partners build on League's platform to deliver high-engagement healthcare solutions that improve health outcomes. To date, League has raised $235 million in venture capital funding, powering the digital experiences for some of healthcare's most trusted brands, including Highmark Health, Manulife, Medibank, and Shoppers Drug Mart.   Bright Spots in Healthcare is produced by Bright Spots Ventures Bright Spots Ventures brings healthcare leaders together to share working solution or "bright spots" to common challenges. We build valuable and meaningful relationships through our Bright Spots in Healthcare podcast, webinar series, leadership councils, customized peer events, and sales and go-to-market consulting. We believe that finding a bright spot and cloning it is the most effective strategy to improve healthcare in our lifetime. Visit our website at www.brightspotsinhealthcare.com

In this episode of the InsuranceAUM.com Podcast, Stewart Foley sits down with Michael King, Senior Managing Director and Co-Head of Senior Credit at Manulife Investment Management, to take a deep dive into the world of direct lending and sponsored finance. Michael shares his journey from carpentry to credit, discusses the unique dynamics of middle market private equity firms, and unpacks Manulife's patient, deliberate approach to growing its private credit platform.   Discover how Manulife's focus on consistent underwriting, strong sponsor relationships, and market access has fueled success through various economic cycles, and hear Michael's thoughts on private credit's evolving landscape in 2025. From industry insights to advice for future professionals, this episode offers something for everyone in the insurance asset management space.

Dan Pontefract, author of Work-Life Bloom, joins Sales Talk for CEOs to share a groundbreaking approach to leadership. Key takeaways include redefining CEO responsibilities to include care, balancing humanity with execution, and fostering engagement through positive reinforcement. Dan also introduces a unique framework for navigating work-life cycles, offering practical advice for CEOs to inspire their teams and drive sustainable success. About GuestMy new book, WORK-LIFE BLOOM is a Thinkers50 Top New Management Book for 2024 and won the Gold Medal - Axiom Business Book Awards. Otherwise, I'm a leadership strategist, author, consultant, and keynote speaker. Other award-winning books include LEAD. CARE. WIN., OPEN TO THINK, THE PURPOSE EFFECT & FLAT ARMY. I help leaders realize that the future of work is now. Dan Pontefract is a renowned leadership strategist, author, and keynote speaker with over two decades of experience in senior executive roles at companies such as SAP, TELUS, and Business Objects. Since then, he has worked with organizations worldwide, including Salesforce, Amgen, the State of Tennessee, Nestlé, Canada Post, Autodesk, BMO, the Government of Canada, Manulife, Nutrien, and the City of Toronto, among others.As an award-winning and best-selling author, Dan has written five books: WORK-LIFE BLOOM, LEAD. CARE. WIN., OPEN TO THINK, THE PURPOSE EFFECT, and FLAT ARMY. Dan also writes for Forbes, Harvard Business Review, and other outlets.Dan is a renowned keynote speaker who has presented at four TED events and has delivered over 600 keynotes . He is an adjunct professor at the University of Victoria's Gustavson School of Business and has received over 25 industry, individual, and book awards.Dan's career is interwoven with corporate and academic experience, coupled with an MBA, B.Ed, and multiple industry certifications and awards. Notably, Dan is listed on the Thinkers50 Radar, HR Weekly's 100 Most Influential People in HR, PeopleHum's Top 200 Thought Leaders to Follow, and Inc. Magazine's Top 100 Leadership Speakers.About Guest CompanyDan offers a range of options to help you, your team, your entire organization, or your event with various leadership and corporate culture insights. Options include keynotes, workshops, strategic planning sessions, assessments, master classes, and various learning modules. Tailored or off-the-shelf, Dan's repertoire of knowledge and solutions is as wide as his musical tastes. (hint: very wide) Inquire: speak@danpontefract.comSocial Links https://www.danpontefract.com/content/https://www.linkedin.com/in/danpontefract/https://www.linkedin.com/company/the-pontefract-group/Books: https://www.danpontefract.com/content/booksbydan/Podcast: https://www.danpontefract.com/content/podcast/Blog: https://www.danpontefract.com/content/blog/Book recommended by Dan: https://www.danpink.com/books/drive/Podcast recommended by Dan: https://munkdebates.com/listen/Connect with Alice HeimanLinkedIn Profile: https://www.linkedin.com/in/aliceheiman/Alice's Website: https://aliceheiman.com/

Kelsey Hogan (BPhil'16) is an ultramarathon trail runner and mental performance consultant who has recently returned from Europe after completing the Ultra Trail du Mont Blanc — a 171-kilometre race that crosses Italy, Switzerland and France.  Originally from Newfoundland, Kelsey has called Fredericton home since she was a student at UNB. She graduated in 2016 with a bachelor of philosophy in interdisciplinary leadership and psychology from UNB's Renaissance College, and has also completed a master of science in kinesiology in sport psychology at Dalhousie University. She is currently working toward accreditation as a mental performance consultant.   Kelsey, in addition to training and running professionally, is exploring the factors that influence the performance and well-being of endurance athletes, teams, and coaches. Host Katie Davey (BA'17) chats with her about being an active member of the community through building good governance and providing a helping hand.  In this episode:    How Kelsey found the sport of ultra running.  The preparation process and experience of running ultramarathons trail races.  Developing mental fitness for ultra pursuits.  Mindset and language that helps to conquer ultras in racing and in life.  How performance psychology gives the tools needed to perform your best in both sport and life.  Longevity as a key piece of planning in ultra racing and other life pursuits.   Links and resources:    Kelseyhogan.com  Kelsey's Instagram  Mont Blanc UTMB race  Renaissance College  Thanks to:    Our alumni host, Katie Davey  Music by alumni artist, Beats of Burden   Our alumni Affinity Partners, TD Insurance and Manulife    To listen to past episodes of UNBeknownst and for more info on the podcast, the hosts and how to subscribe to new episode alerts, visit our website. 

The festive holiday season is upon us and what better time than now to reflect and prepare for the road ahead. Don't miss out on this unique opportunity to hear from Kevin and Macan as they look to 2025 and share their thoughts on equity and fixed income developments. Will equity fundamentals continue to be a defining theme in the new year? What role will security selection and duration management play in the fixed income space? Tune in to the year's last episode of Investments Unplugged, as our experts delve into their base case, bull case and bear case scenarios for 2025. This is one episode you just can't miss. Be sure to tune in! Intended for Investment Professionals, investors should connect with their financial advisor for more information.

Mario Cloutier from Manulife joins Clinton Wilkins and Dan Ahlstrand again to discuss risk coverage for borrowers who are looking to build and the high cost of construction today. The three wrap the show by taking a listener's call, answering the questions he had on the subject of creditor insurance. 

Clinton Wilkins and Dan Ahlstrand are joined again by Manulife's Mario Cloutier. They discuss the types of insurance coverage borrowers should look into as they move through different phases of life. The three also field a range of call-in questions from Mortgage 101 listeners. 

Dan Ahlstrand and Clinton Wilkins are joined by Mario Cloutier, from Manulife, to discuss how to keep your finances protected. Cloutier advises that insurance premiums are often affordable and can be maintained at a fixed rate throughout the mortgage term, recommending both creditor and life insurance for comprehensive protection.

Data surprises, recession concerns, shifting U.S. Federal Reserve policy? What if building a resilient portfolio mattered more than predicting future outcomes. This month, our Co-Chief Investment Strategist Kevin Headland had the pleasure of sitting down with Mawer Investment Management's President and Portfolio Manager Jim Hall to discuss how patience and discipline play a crucial role in navigating volatile markets. Listen in as Jim delves into some of our flagship funds and reminds us to approach investing with a steady hand. As markets fluctuate, a well thought-out, long-term strategy remains the cornerstone of success. Here's to embracing the journey and mastering The Art of Boring in investing! Be sure to tune in to our podcast episode.

Private markets are uniquely positioned to unlock the value of nature, which may be one of the world's most underappreciated assets. On this week's episode, BI's senior ESG associate Melanie Rua is joined by Anne Valentine Andrews, global head of private markets at Manulife IM, and Brian Kernohan, the firm's chief sustainability officer, to discuss how nature and climate can drive investment strategies. They explore frameworks such as TCFD and TNFD, the intricacies of carbon credits and biodiversity markets and the future of portfolio diversification. With over $16 billion in assets under management across agriculture and timberland, Manulife stands as the largest manager of natural capital assets. This episode was recorded on Oct. 18. For more insights, register for BI ESG's Dec. 11 conference here: https://bbgevent.app/esg-investment/See omnystudio.com/listener for privacy information.

In this episode of Life Accelerated, host Anthony O'Donnell sits down with Karen Leggett, Global Chief Marketing Officer at Manulife, for an insightful look into how AI and digital transformation are reshaping the insurance landscape. With a rich background spanning top leadership roles in banking and insurance, Karen shares how she's leading a customer-centric revolution, integrating AI, advanced analytics, and innovative technology to enhance customer experiences and streamline operations. Karen discusses Manulife's strategic approach to AI, sharing transformative projects like their internal AI tool, Chat MFC, which empowers employees across the organization to embrace AI for productivity and customer service. She also highlights pioneering initiatives like their behavioral insurance program and multi-cancer screening tool, showcasing how AI is not only improving operational efficiencies but also saving lives. Listeners will gain a firsthand look at how Karen's team has achieved significant milestones, from boosting customer satisfaction scores to transforming underwriting processes. This episode is a must for anyone interested in the future of insurance, AI integration, and leading a purpose-driven digital transformation. Key Takeaways: AI isn't just about creating efficiencies through automation but building more personal connections with customers. Establishing a value-driven, adaptable digital strategy enables companies to stay competitive and responsive in a rapidly evolving market. Technology should support human activities that improve customers' lives and companies' bottom lines. Jump Into the Conversation: (00:00) Introduction of Karen Leggett, Global Chief Marketing Officer at Manulife (02:15) Manulife's innovative behavioral insurance program and its impact on customer health (03:39) The power of AI to enhance customer experience and operational efficiency (08:50) Striving to be the most digital customer-centric leader in the industry (11:21) The strategic importance of AI and advanced analytics in Manulife's operations (18:56) Introduction of Chat MFC, Manulife's internal AI tool, and its role in empowering employees (25:43) Karen's approach to fostering an adaptable, AI-ready workforce Resources: Connect with Karen Leggett: https://www.linkedin.com/in/leggettkaren/ Check out Manulife: https://www.manulife.com/

Here we are—100 episodes and 7 years later! This truly is a remarkable milestone for our Investments Unplugged podcast, which has seen roughly 86,000 downloads since the pilot episode aired all those years ago. In this month's celebratory episode, we get up close and personal with our dynamic hosts and Co-Chief Investment Strategists: Kevin Headland and Macan Nia. Take a trip down memory lane as they reflect on their careers and offer valuable insight to aspiring young investment professionals. Considering a career in markets or investing? Think you could benefit from the lessons they've learned over the years? Tune in as Kevin and Macan look through the rearview mirror and commemorate their 100th episode. This is one episode you just can't miss. Be sure to tune in!

If you have been a long-time listener, you'll know that ever since I started my Canadian private practice, I have never offered direct billing to clients.  There were many reasons for this, such as when I started eight years ago, there weren't many insurance companies covering registered counselling therapists. Plus, each insurance plan seemed to have a different rule or agreement on whether a registered counselling therapist could be covered, and if so, by what percentage.  Until now! In 2024, there's been a big change where TELUS Health is now allowing registered counselling therapists and psychotherapists to be part of their platform, and the TELUS platform offers many different types of insurance companies. Listen in to find out more!  In this Episode: TELUS Health and Jane App  Discovering the offered insurance companies  How to integrate direct billing with your Jane App  TELUS Health and Jane App  ‘TELUS Health is now allowing registered counselling therapists and psychotherapists to be a part of their platform, and on their platform [are] many different types of insurance companies … Which makes it so much easier to direct bill.' - Julia Smith I really started to think about offering direct billing once I heard that TELUS Health integrates with Jane App.  I knew that if I could offer direct billing through my EMR, Jane App, and it would only take a couple of minutes that it would be worth looking into, and adding into my practice structure.  ‘The last thing I want to do is add another 15-30 minutes to each session having to deal with billing, but if it's only going to take five minutes to do direct billing, I know my clients would really appreciate that, and therapy would become more accessible for people that are looking for direct billing and therapy services!' - Julia Smith  Discovering the offered insurance companies  From talking with clients, I know that the three main insurance companies that people use are;  Sun Life  Manulife  Blue Cross  Unfortunately, TELUS Health only has Manulife, but then a tonne of other insurance companies. I started to talk with other therapists about Blue Cross to see if it's worth it to apply for direct billing with them, even though they're not part of the TELUS Health system.  Then, I started the process of adding direct billing to my private practice through TELUS Health and Blue Cross.  ‘Luckily in Canada as therapists we don't have to apply for an insurance panel, like therapists do in the states, as long as you have the degrees needed you can just apply to TELUS Health, to Blue Cross, and then any insurance program that offers therapy and accepts registered counselling therapists or psychotherapists, you'll be covered!' - Julia Smith How to integrate direct billing with your Jane App ‘Luckily, Jane App did not disappoint!' - Julia Smith  There were two videos that answered all of the pressing questions that you may have about linking insurance with your Jane App EMR - you can watch these videos here, and here, and learn how to integrate insurance with your Jane App as well! If you're ready to give Jane App a go, use my code FEARLESS to receive one month free!  ‘With your schedule, Jane App also shows a little insurance badge with the clients who are using insurance, so that can make it a lot easier to know which client's are going through insurance and which clients aren't.' - Julia Smith  With Jane App, you can reduce the amount of admin that you will have to do with each client!  Connect with me: Instagram Website  Resources Mentioned and Useful Links:  EP 140: Blackcy Placidass: Developing a Value-Based Practice | EP 140  Learn more about the tools and deals that I love and use for my Canadian private practice Article: How to Set Up a Canadian Private Practice Website   Sign up for my free e-course on How to Start an Online Canadian Private Practice Jane App (use code FEARLESS for one month free) Rate, review, and subscribe to this podcast on Apple Podcasts, Spotify, Amazon, and TuneIn

Julie Koeninger is Managing Director and Senior Portfolio Manager in Agriculture at Manulife Investment Management, where she serves as the senior agricultural portfolio manager for the Hancock Timberland and Farmland Fund and leads business development for Manulife Investment Management global agriculture strategy.  She has over 30 years of experience in agriculture investing, having worked in a series of roles at other institutions prior to joining Manulife and led the first ever securitization of US Agricultural mortgages.   Our conversation traces Julie's career at the intersection of infrastructure and finance and the evolution of those industries in terms of product creation and understanding of the asset class. We examine some of the lateral moves that Julie made throughout her career and how they contributed to her growth as a professional.  We spend some time on the innovations in products centered around agriculture and look at how investors are treating agriculture within the context of their overall portfolio.  This podcast is kindly supported by GCM Grosvenor. GCM Grosvenor is a global alternative asset management firm with a longstanding commitment to supporting small, emerging, and diverse investment managers. For over 30 years, the firm has developed expertise in funding and guiding these managers as part of its broader activity across alternative investments.  With over $20 billion in AUM dedicated to small and emerging managers and $16 billion in AUM dedicated to diverse managers, GCM Grosvenor leverages its experienced team, broad network, and proprietary sourcing capabilities to support their success. Through the Small, Emerging, and Diverse Manager Program, the firm creates opportunities for investors to access a wide range of talent while seeking to drive strong returns and impact. For more information, visit www.gcmgrosvenor.com.

Children are heading back to the classroom for yet another school year. What better time than now to reinforce our portfolios with lessons learned from our early childhood? This month, our Co-Chief Investment Strategists Kevin Headland and Macan Nia address economic concerns, equities and fixed income developments, and the art of managing volatility—all through the lens of some our favourite children's classics. Get ready to revisit some of your favourite childhood gems and gear up for the final stretch of 2024 with this truly unique perspective on markets. Don't miss out on this podcast episode.

In this episode of the InsuranceAUM.com podcast, Stewart Foley sits down with Jason Walker, Co-Chief Investment Officer at Manulife CQS, as part of the CIO Spotlight series. Jason shares his insights into current market conditions, focusing on the importance of downside protection and the opportunities created by market dislocations. He emphasizes how sentiment, liquidity, and new variables are reshaping markets, offering opportunities for savvy investors. Jason also discusses the impact of higher rates on credit markets, structured credit, and how his team at Manulife CQS navigates uncertainty with a disciplined, bottom-up approach.   The conversation dives into significant risk transfer (SRT) markets, U.S. commercial real estate, and the role of flexibility in portfolio construction. Jason explains how experience and strategic risk-taking are key to capturing returns in today's markets. With a thoughtful discussion on political risk and opportunities in structured credit, this episode is packed with insights from a seasoned CIO leading through complex market conditions.

Nate Thooft, chief investment officer and senior portfolio manager at Manulife Investment Management says he's not "banging the table to be significantly overweight" in the technology issues that have carried the stock market back to record high levels. He says investors should be looking at areas besides U.S. tech stocks — shifting into small-cap stocks, health-care companies, real estate investment trusts and more — to keep moving forward at a time when he sees real signs that the economy is slowing.  Alex Coffey, senior trading strategist at Charles Schwab, is less worried about the market's ability to keep pushing forward led by the big names, noting that "We're at all-time highs for a reason," and saying the Standard and Poor's 500 index could reach 6,000 before the year is done. Miguel Laranjeiro, investment director at abrdn, sees rate cuts making muncipal bonds more attractive, which he says will trigger "the beginning of a robust in-flow cycle into the muni space." In the Market Call, Scott Rosenthal, portfolio manager for Hotchkis & Wiley Capital Management, discusses worldwide value investing.

Kevin Wright is the COO of Farmland Services at Manulife. Manulife Investment Management manages a diversified global portfolio of timberland and agriculture with forests covering 5.5 million acres across the United States, Australia, Brazil, Canada, Chile, and New Zealand, and farms covering nearly 400,000 acres of prime farmland across the United States, Australia, Canada, and Chile Kevin leads the teams responsible for operations, management, and support of the North American row crop portfolio. In this capacity, Kevin oversees the teams that manage, operate and support clients' row crop properties in the United States and Canada.  In his expanded role as Interim North American Regional Operation Lead (“NARO”) and Chief Operation Officer (“COO”) of the Western U.S. Permanent Crops, Kevin will be responsible for leadership of the MAS leadership team and the commercial enterprise, as well as overseeing the manufacturing of the returns in our tree nut and tree fruit platforms. Prior to joining the firm in 2020, Kevin was president of E. Ritter Agribusiness, Inc., a fifth-generation family owned vertically integrated agricultural business, where he led the management of the family's agricultural land and business portfolio. — This episode is presented by American AgCredit. Learn more HERE. Check out Matt Woolf's episode on the California ag market HERE. — Links Manulife - https://www.manulifeim.com/timberland-agriculture/global/en Kevin on Linkedin - https://www.linkedin.com/in/kevin-wright-087b6b31/ Join the Co-op - https://themodernacre.supercast.com Modern Acre Newsletter - https://themodernacre.substack.com — Disclosures The views and opinions expressed in this podcast are those of the speakers, are subject to change as market and other conditions warrant, and do not constitute investment advice or a recommendation regarding any specific product or security. There is no guarantee that the investment strategy discussed will be successful or achieve any particular level of results. Any economic or market performance information is historical and is not indicative of future results, and no forecasts are guaranteed. Investing involves risks, including the potential loss of principal. Financial markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. The information provided does not take into account the suitability, investment objectives, financial situation, or particular needs of any specific person. All overviews and commentary are intended to be general in nature and for current interest. While helpful, these overviews are no substitute for professional tax, investment or legal advice. Clients and prospects should seek professional advice for their particular situation. Neither Manulife Investment Management, nor any of its affiliates or representatives (collectively “Manulife Investment Management”) is providing tax, investment or legal advice.

Ron Tite is a former standup comedian and Founder of Church+State where they believe people used to vote with their wallets. Now they vote with their time. So we help brands build brand conviction with their employees, customers, and stakeholders by aligning purpose, actions, and communications. Ron has spoken and worked with audiences all over the world including American Express, Coca-Cola, Dell, Deloitte, Kraft, KPMG, Manulife, McDonalds, Microsoft, Pfizer, and many others.Topics include Personal Branding, Creativity, Advertising, Corporate Strategy, Corporate Storytelling, and The Expression Economy.

The dog days of summer are over, and volatility is back with a vengeance. In just a short period of time, we've dealt with a messy unwinding of carry trades, shifts in Fed policy, and material developments on the U.S. presidential front. How has this clouded the bigger picture? Don't miss out on an opportunity to go behind-the-scenes with Sandy Sanders, our Senior Managing Director, and Portfolio Manager of the Manulife U.S. All Cap Equity Fund. In an interactive discussion moderated by our Co-Chief Investment Strategist Macan Nia, Sandy chimes in on everything from the U.S. economy to the ongoing A.I. frenzy, U.S. elections and rotations across market capitalizations. Tune in to our new episode to learn more.

Unruly markets, unpredictable interest rates and a possible resurgence in inflation—are all your income options on the table? In this podcast episode, we sit down with our newly appointed Head of Specialists and former Director of ETFs and Alternatives , Rob Wernic. In this interactive discussion, Rob underscores the need for alternative income investments, outlining the key differences between traditional income solutions and our new Manulife Smart Enhanced Yield ETFs. Tune in to our new episode to learn more.

Welcome back to the Alt Goes Mainstream podcast.Today's episode features a guest who has consistently and astutely figured out the growth areas in private markets.We are joined by Manulife's new Global Head of Private Markets Anne Valentine Andrews. She's responsible for the strategy, business development, and growth of Manulife Investment Management's private markets business. Manulife has a platform that spans real estate, infrastructure, timber, agriculture, private equity, and credit.Anne has a comprehensive and informed purview of both private markets trends and of the different asset classes. She brings together the CIOs from each asset class in the Manulife business and works with the global product group to drive private markets product innovation across the institutional, retail, and retirement channels.Anne has a wealth of experience in private markets and in infrastructure in particular. She joined Manulife from BlackRock, where she was most recently Global Head of Infrastructure and Real Estate. Previously, she was Co-Head and Chief Operating Officer for the Morgan Stanley infrastructure platform and was a Director at Macquarie Bank.Anne and I had a fascinating conversation about the evolution of private markets and how to build out a private markets investment platform and its brand. We discussed:How to approach building a private markets investment platform at an industry behemoth.Why culture matters at an investment firm.The continued consolidation of alternative asset managers.What it means to connect real assets with real money.How to build a brand and educate investors.How to bring private markets investment opportunities into retirement accounts.The opportunity in infrastructure investing.Thanks Anne for coming on the show to share your experience and wisdom on private markets. We hope you enjoy.A word from AGM podcast sponsor, Ultimus Fund SolutionsThis episode of Alt Goes Mainstream is brought to you by Ultimus Fund Solutions, a leading full-service fund administrator for asset managers in private and public markets. As private markets continue to move into the mainstream, the industry requires infrastructure solutions that help funds and investors keep pace. In an increasingly sophisticated financial marketplace, investment managers must navigate a growing array of challenges: elaborate fund structures, specialized strategies, evolving compliance requirements, a growing need for sophisticated reporting, and intensifying demands for transparency. To assist with these challenging opportunities, more and more fund sponsors and asset managers are turning to Ultimus, a leading service provider that blends high tech and high touch in unique and customized fund administration and middle office solutions for a diverse and growing universe of over 450 clients and 1,800 funds, representing $500 billion assets under administration, all handled by a team of over 1,000 professionals. Ultimus offers a wide range of capabilities across registered funds, private funds and public plans, as well as outsourced middle office services. Delivering operational excellence, Ultimus helps firms manage the ever-changing regulatory environment while meeting the needs of their institutional and retail investors. Ultimus provides comprehensive operational support and fund governance services to help managers successfully launch retail alternative products. Visit www.ultimusfundsolutions.com to learn more about Ultimus' technology enhanced services and solutions or contact Ultimus Executive Vice President of Business Development Gary Harris on email at gharris@ultimusfundsolutions.com.We thank Ultimus for their support of alts going mainstream.Show Notes00:00 Introduction and Sponsor Message from Ultimus Fund Solutions01:18 Podcast Opening and Guest Introduction03:39 Anne Valentine Andrews' Career Journey04:42 Evolution of the Infrastructure Investments05:41 Infrastructure's Resilience and Growth06:27 Building a Private Markets Platform14:28 Challenges and Strategies in Making Acquisitions17:12 Evaluating Culture and Integration in Asset Management18:47 Building a Comprehensive Platform20:20 Educating Investors and Expanding Access23:29 Future of Alternatives in Retirement Accounts26:43 Platformization of Alternatives28:01 Building and Marketing a Trustworthy Brand in Financial Services29:30 Learning from Other Industries: Amazon's Influence31:15 The Evolution of Asset Management31:57 Adapting to Market Changes and Mega Trends33:34 The Importance of Long-Term Investment Strategies34:33 Decarbonization and Natural Capital35:32 The Importance of Long-Term Thinking40:02 Connecting Real Assets to Real Money45:42 Risks and Opportunities in Infrastructure Investment48:03 The Role of Scale in Private Markets in Infrastructure49:21 Future of Alternative InvestmentsThe views and opinions expressed in this podcast are those of the speakers, are subject to change as market and other conditions warrant, and do not constitute investment advice or a recommendation regarding any specific product or security. There is no guarantee that the investment strategy discussed will be successful or achieve any particular level of results. Any economic or market performance information is historical and is not indicative of future results, and no forecasts are guaranteed. Investing involves risks, including the potential loss of principal.Financial markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. The information provided does not take into account the suitability, investment objectives, financial situation, or particular needs of any specific person.All overviews and commentary are intended to be general in nature and for current interest. While helpful, these overviews are no substitute for professional tax, investment or legal advice. Clients and prospects should seek professional advice for their particular situation. Neither Manulife Investment Management, nor any of its affiliates or representatives (collectively “Manulife Investment Management”) is providing tax, investment or legal advice. Manulife Investment Management paper titled U.S. farmland investment returns: continued gains in 2022; 5/19/23. NCREIF collects U.S. farmland property-level performance realized by institutional investments and reports the aggregated results within its Farmland Property Index (FPI). Manulife Investment Management is a participating member in the FPI. The index requires participating managers to report all eligible properties. Usage of this data is not an offer to buy or sell properties.Manulife, Manulife Investment Management, Stylized M Design, and Manulife Investment Management & Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.Man...

On this episode of the DealQuest Podcast, Grace Vandecruze joins me to share her remarkable journey from humble beginnings in Guyana, South America, to becoming a leading investment banker in the financial services industry. With over 20 years of experience, Grace brings a wealth of knowledge in mergers and acquisitions, financings, capital strategies, valuations, restructurings, and private placements. Throughout her career, Grace has been instrumental in numerous restructurings, debt and equity offerings, IPOs, M&A transactions, team mutualization, and regulatory projects within the global life and PNC reinsurance and insurance markets. Her personal story of resilience and professional insights offer invaluable lessons for listeners.THE INFLUENCE OF EARLY LIFE AND FINANCIAL SECURITYGrace recounts her early life in Guyana and the significant impact of her grandmother, who instilled in her the belief that she could achieve anything. Despite facing significant hardships, including a devastating house fire that left her family homeless, Grace's resilience and determination led her to a successful career in finance. Her personal experiences underscore the importance of insurance and financial security, fueling her passion for her work.FROM AUDITING TO INVESTMENT BANKINGGrace's career path started in high school, leading her to major in accounting at Pace University. After working as a financial auditor at EY for five years, she sought more dynamic challenges, leading her to the Wharton Business School and an internship at Merrill Lynch. Grace's transition from auditing to investment banking saw her playing pivotal roles in the demutualization of major insurance companies like MetLife, John Hancock, Prudential, Manulife, and Sunlife.INSURANCE INDUSTRY INSIGHTSGrace provides an overview of the U.S. insurance market, noting its developed yet fragmented nature. She discusses key drivers for mergers, such as capital needs, regulatory requirements, and succession planning. Despite a current slowdown in M&A activity due to high-interest rates, the industry remains ripe for consolidation. Grace also highlights the impact of climate change on the insurance sector, influencing company decisions and M&A activity.SIGNIFICANT DEALS AND STRATEGIC APPROACHESGrace recounts facilitating a notable deal between Commercial Travelers and Berkshire Hathaway, showcasing her negotiation skills and ability to build valuable connections. Her strategic approach and deep industry knowledge have been instrumental in numerous high-stakes transactions. She later became Managing Director at Swiss Re and founded her own firm, Grace Global Capital. Her career challenges parallel her passion for mountain climbing, emphasizing the importance of mental resilience.TECHNOLOGICAL ADVANCEMENTS AND INDIUSTRY TRENDSGrace highlights the potential for AI to solve specific pain points in the insurance industry and drive significant value. Technological capabilities are crucial in acquisition transactions, exemplified by Microsoft's investment in OpenAI. The integration of AI and the emphasis on developing human capital are key trends shaping the insurance industryPERSONAL FINANCIAL PHILOSOPHYGrace shares insights from her book, "Homeless to Millionaire: Six Keys to Uplift Your Financial Abundance," focusing on financial empowerment and shifting from a scarcity mindset to one of abundance. She underscores the importance of rewriting one's money story to overcome financial trauma.• • • For my full discussion with Grace Vandecruze, and more on this topic and topics not featured in this blog post:Listen to the Full DealQuest Podcast Episode Here• • • FOR MORE ON GRACE VANDECRUZE:LinkedInGrace Global Capital Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today!

Are you inundated with stories? One of the most important rules when making investment decisions is to avoid getting caught up in headlines. In this podcast episode, we chat with our very own Senior Portfolio Manager, Fundamental Equity Patrick Blais about the importance of blocking out the noise and making fact-based investment decisions. With an investment process that highlights cash flow as the real driver of economic value, Patrick and his team look to uncover the best ideas at attractive valuations. Tune into our new episode to learn more.

Send me a Text Message hereFULL SHOW NOTES https://podcast.nz365guy.com/572What if you could effortlessly manage your development infrastructure while ensuring robust security and compliance? Join us as we sit down with Raphael Pothin, a Lead Power Platform Reliability Engineer at Manulife, who is revolutionizing governance processes and streamlining administrative tasks with the Power Platform. Raphael shares his passion for DevOps and dives into the game-changing potential of the Terraform provider for Power Platform, bringing infrastructure as code to new heights.Discover how Microsoft's Power Platform can transform your development workflow, freeing you from the complexities of maintaining infrastructure. Raphael walks us through the advantages of using Dataverse for data management and integrating backend solutions with Azure services. We discuss the often-debated topic of control versus efficiency, highlighting how Power Platform stands up to enterprise demands while allowing developers to maintain ALM rigor and source control.Finally, we explore the rich resources available for developers making the transition to Power Platform. Raphael emphasizes the value of Microsoft Learn and community engagement, and reveals how Microsoft Fabric integrates seamlessly with Dynamics 365 for advanced data processing. Hear firsthand how Manulife leverages the Power Platform on a global scale, navigating data sovereignty challenges in the financial sector. Plus, gain insights into boosting productivity through Power Automate and Power Apps, as Raphael shares personal strategies for overcoming performance challenges. Tune in for an episode packed with actionable insights and expert advice!90 Day Mentoring Challenge 10% off code use MBAP at checkout https://ako.nz365guy.comSupport the Show.If you want to get in touch with me, you can message me here on Linkedin.Thanks for listening

Roy Gori—the CEO of Canada's largest insurance company, Manulife—talks about how changes in life expectancy have altered the insurance landscape.

Michelle Martin compresses the key market talking points for you with Ryan Huang. We explore Asia-Pacific market sell-offs triggered by a decline in tech stocks, discuss the impact of US-China tensions on TSMC, AMD, ASML, Tokyo Electron, and Nvidia, dive into Korean prosecutors' case against Kakao's founder and SM Entertainment. We also analyze earnings from Johnson & Johnson, United Airlines, ASML, Adidas, and Roche. Plus insights on Allianz's stake in Income Insurance, SIA Engineering's autonomous buses project, and Jardine Cycle & Carriage's EV battery-swapping system deal.  See omnystudio.com/listener for privacy information.

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Download The Canadian Rock Stars List, a selection of the safest dividend stocks in Canada: https://moosemarkets.com/rockstars Webinar: Invest with conviction: https://moosemarkets.com/webinar Webinar Replay: Dividend Income For Life : https://www.dividendstocksrock.com/dividend-income

In this episode of the Rainmaker Podcast, Gui Costin, Founder and CEO of Dakota, hosts a special discussion featuring Jennifer Lundmark and Alex Catterick from Manulife Investment Management. Jennifer, Head of Institutional Distribution North America, and Alex, Senior Managing Director, Head of Alternative Investment Solutions, bring their extensive experience to the table, making this a unique episode with two guests from the same company.The episode kicks off with introductions. Jennifer oversees institutional distribution activities, covering both public and private market business development and investor relations. She leads a team focused on providing solutions for institutional investors and has a history with firms like American Realty Advisors and Goldman Sachs. Alex, on the other hand, manages the alternative investment solutions team, focusing on private markets and retail strategies. His background includes significant roles at HSBC, Barclays Wealth Management, and JP Morgan Private Bank.Gui explores the themes of leadership, communication, and best practices in distribution. Jennifer explains her team's specialist model in North America, where sales professionals focus on specific asset classes, making them more effective when dealing with specialized asset owners. Alex discusses their generalist-specialist model, leveraging existing distribution channels to provide customized solutions to advisors and clients.The conversation delves into the importance of communication within sales teams. Jennifer emphasizes her biweekly team meetings and regular one-on-one sessions with direct reports to ensure alignment and address issues. Alex talks about building a global team and the need for consistent messaging and approach across different regions.A key topic is the integration of alternative investment solutions into existing sales processes. Alex highlights the challenge of selling through consultants and advisors and the importance of tracking and measuring efforts. Jennifer discusses the competitive nature of the institutional market and the need for differentiation through consistent marketing and unique solutions.The use of CRM systems, particularly Salesforce, is highlighted as crucial for managing relationships and ensuring effective communication. Jennifer shares a best practice of sending call notes to her entire team, fostering collaboration and dialogue. Alex talks about developing a process to make CRM usage more efficient for his team.Gui asks for advice for young professionals entering the industry. Alex emphasizes the importance of becoming a subject matter expert and being solutions-oriented. Jennifer highlights the value of networking and building relationships within the industry.The episode concludes with a discussion on challenges. Jennifer points out the difficulty of breaking into a crowded market and the need for differentiation, while Alex discusses the challenge of integrating his team into established distribution processes.This episode provides valuable insights into the strategies and best practices of distribution leaders in the financial industry, offering practical advice and a deeper understanding of the complexities involved in institutional and wealth management sales.

The clock is ticking for the changes to capital gains to take effect. The window is also closing to do anything proactively about it before the changes occur. I sat down with Hemal Balsara, Head of Tax, Retirement, and Estate Planning, Individual Insurance, Manulife for this episode to get to the bottom of the changes. Hemal was part of a group invited to a closed-door meeting for the first viewing of the proposed changes and (you'll hear in the episode) as the document was handed out, he heard a wave of people muttering “capital gains”… “capital gains” and, in his own words: “I can't believe they finally did it” Hemal and I dive into the changes to help you answer specific questions I've been getting from clients like: Should I sell anything before the deadline? How will the changes affect what's outside of my corporation? What about my investments inside? What can I do about these changes? What existing tax strategies will still work? What existing tax strategies might work better? Even if you're listening to this episode after the changes have taken effect, we talk about what long-term adjustments to your existing plan might make sense considering these changes. It's not all about what you can do before the 25th. As always, consult someone who knows your specific situation before making any changes to your finances. If you're wondering how these changes might affect your financial plan and ability to retire, a fee-based plan might make sense for you. If you like the idea of having a roadmap to your goals, knowing exactly what you're getting for what you're paying, and no hidden commissions, book a free discovery call to see if the time is right for you to get a financial plan: https://www.galenhelpsdocs.com/call To follow Hemal and read his up-to-date articles analyzing the changes, you can find him on LinkedIn here.

Strengthen your defence and sharpen your offence with Manulife liquid alternatives. Join us as we unveil our two new alternative fixed-income solutions. Hear from the lead portfolio managers of these strategies Chris Chapman and Roshan Thiru as they outline their investment approaches and delve into the key differentiators that set their teams apart. Tune into our new episode to learn more.

Manulife Financial Corp CEO Roy Gori speaks on a growing interest in long-term care deals and Manulife's growth in Asia with Bloomberg's Katie Greifeld.See omnystudio.com/listener for privacy information.

The Dow Jones extended its winning streak to seven sessions. The 10-year Treasury yield eased 3 basis points to around 4.45% after jobless claims came in stronger than expected. Celsius made a bullish move after a volatile reaction to earnings earlier in the week; Manulife cleared a base and is still in a buy zone; Williams-Sonoma is back near highs with earnings coming up.

Recession is a word that gets thrown around often. But what exactly is a recession and how does it impact investors? Join us for an in-depth Q&A session as we weigh in on a topic that's become front and center for investors. Find out what you can expect in a recession and why you shouldn't wait for one to prepare your portfolio. For all this and more, tune into our new podcast episode.

Manulife Insurance has been in Malaysia for some 60 years and is one of 14 life insurers that operate here. How does it compete in a crowded space, especially with insurtech players also coming onto the scene? We speak to Vibha Coburn, CEO of Manulife Insurance Berhad about her observations on insurance penetration rate in Malaysia, and the impact of inflation on insurance premiums.

Dividend investing is evolving, and so should your approach. Tune in to our new podcast episode to learn about the unique set of challenges faced by dividend investors in today's environment. Hear from our very own Senior Portfolio Manager Chris Hensen as he weighs in on the shifting landscape and explores the dividend opportunity set through a different lens. Don't miss out on this special edition of Investments Unplugged.

All links and images for this episode can be found on CISO Series. Check out this post for the discussion that is the basis of our conversation on this week's episode co-hosted by me, David Spark (@dspark), the producer of CISO Series, and Geoff Belknap (@geoffbelknap), CISO, LinkedIn. Joining me is our guest, Ben Sapiro, head of global cyber security services, Manulife. In this episode: Why do we see a dearth of CISOs listed in executive leadership? Is this just a factor of company reporting structure? Or do CISOs really not have a seat at the table with the business? How do we convince the C-suite? Thanks to our podcast sponsor, Query Query Federated Search gets to your security relevant data wherever it is - in data lakes, security tools, cloud services, SIEMs, or wherever. Query searches and normalizes data for use in security investigations, threat hunting, incident response, and everything you do. And we plug into Splunk. Visit query.ai.

Make no mistake about it, the economy is dealing with its fair share of challenges. But are there bright spots ahead? In this podcast episode, we sit down with our Global Chief Economist and Strategist Frances Donald, as she weighs in on the macro forces at play in 2024. Will global growth decline? Will central banks respond with rate cuts? For all this and more, tune in to Investments Unplugged.

Want to become more heart-centered? There's a new playbook in town! Deb has released her first book The Heart-Centered Leadership Playbook: How to Master the Art of Heart in Life & Leadership. Get your copy now here on our official Amazon link!Dan Pontefract is a renowned leadership strategist, author, and keynote speaker with over two decades of experience in senior executive roles at companies such as SAP, TELUS, and Business Objects. Since then, he has worked with organizations worldwide, including Salesforce, Amgen, the State of Tennessee, Nestlé, Canada Post, Autodesk, BMO, the Government of Canada, Manulife, Nutrien, and the City of Toronto, among others.As an award-winning and best-selling author, Dan has written five books: WORK-LIFE BLOOM, LEAD. CARE. WIN., OPEN TO THINK, THE PURPOSE EFFECT, and FLAT ARMY. Dan also writes for Forbes, Harvard Business Review, and other outlets.Dan is a renowned keynote speaker who has presented at four TED events and has delivered over 600 keynotes. He is an adjunct professor at the University of Victoria's Gustavson School of Business and has received over 25 industry, individual, and book awards.Dan's career is interwoven with corporate and academic experience, an MBA, B.Ed, and multiple industry certifications and awards. Dan is listed on the Thinkers50 Radar, HR Weekly's 100 Most Influential People in HR, PeopleHum's Top 200 Thought Leaders to Follow, and Inc. Magazine's Top 100 Leadership Speakers.Connect with Dan at:* https://www.linkedin.com/in/danpontefract/* https://www.instagram.com/dan.pontefract/* https://twitter.com/dpontefract* https://www.danpontefract.com/* https://www.youtube.com/@dan.pontefract/videos* Dan's Book: https://www.danpontefract.com/work-life-bloom-preorder/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit debcrowe.substack.com

Canadian journalist Nora Loreto reads the latest headlines for Wednesday, January 31, 2024.TRNN has partnered with Loreto to syndicate her daily news digest and share it with our audience—tune in every morning on the TRNN podcast feed to hear about the latest important news stories from Canada and around the world.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer:Donate: https://therealnews.com/donate-podSign up for our newsletter: https://therealnews.com/newsletter-podLike us on Facebook: https://facebook.com/therealnewsFollow us on Twitter: https://twitter.com/therealnews

"WOW! It's time for men to comfortably discuss their values, life's journey and mission. An enlightening and entertaining show with revealing facts to encourage open communication." Dan Pontefract is a renowned leadership strategist, author, and keynote speaker with over two decades of experience in senior executive roles at companies such as SAP, TELUS, and Business Objects. Since then, he has worked with organizations worldwide, including Salesforce, Amgen, the State of Tennessee, Nestlé, Canada Post, Autodesk, BMO, the Government of Canada, Manulife, Nutrien, and the City of Toronto, among others. As an award-winning and best-selling author, Dan has written five books: WORK-LIFE BLOOM, LEAD. CARE. WIN., OPEN TO THINK, THE PURPOSE EFFECT, and FLAT ARMY. Dan also writes for Forbes, Harvard Business Review, and other outlets. Dan is a renowned keynote speaker who has presented at four TED events and has delivered over 600 keynotes . He is an adjunct professor at the University of Victoria's Gustavson School of Business and has received over 25 industry, individual, and book awards. Dan's career is interwoven with corporate and academic experience, coupled with an MBA, B.Ed, and multiple industry certifications and awards. Notably, Dan is listed on the Thinkers50 Radar, HR Weekly's 100 Most Influential People in HR, PeopleHum's Top 200 Thought Leaders to Follow, and Inc. Magazine's Top 100 Leadership Speakers. Don't forget to follow CB, comment, rate, review, and subscribe to the show on your preferred platform! ⭐️⭐️⭐️⭐️⭐️ Rating/reviews: https://lovethepodcast.com/courage Listen on your favorite platform: ▶️ Apple Podcast: https://apple.co/34Q2dcI ▶️ iHeart Radio: https://ihr.fm/3sKaUgM ▶️ Amazon: https://amzn.to/36j2DZz ▶️ Spotify: https://spoti.fi/3I6jXzc Websites: ➡️ Courage Consulting: https://courage-consultant.com/ ➡️ KeynoteSpeaking: https://courage-consulting.com/speaker/ ➡️ Coaching Association: https://www.acec-association.org/ ➡️ Master Corporate Executive Coach Certification: https://acec-association.org/master-corporate-executive-coach-certification/ Social Media: