Podcast appearances and mentions of rona birenbaum

In this episode, Doug Hoyes discusses retirement planning with special guest Rona Birenbaum, a Certified Financial Planner at Caring for Clients. The episode covers various retirement-related topics, including the importance of financial planning, the role of financial advisors, and the complexities of decisions such as when to retire and when to start receiving government benefits like CPP.   The discussion emphasizes the need for careful consideration of lifestyle preferences, budgeting, and financial goals when planning for retirement. The conversation also touches on the role of debt in retirement planning, highlighting the benefits of entering retirement with minimal debt. The episode aims to provide valuable information and perspectives to help individuals navigate the complexities of retirement planning.     Related Links:   Have a question or comment for a future show?  Leave us a voice message here: https://www.hoyes.com/dfi30comments   Caring for Clients: www.careingforclients.com   Caring for Clients Facebook: https://www.facebook.com/profile.php?id=100033419084831   Caring for Clients YouTube: https://www.youtube.com/channel/UCZZL3BipR9-ZCLgUsOXE3Ag   Caring for Clients Twitter: https://twitter.com/Caring4Clients   Caring for Clients Blog: https://www.caringforclients.com/blog/   Rona Birenbaum, Episode 215, What is a Robo-Planner: Automated Financial Planning https://youtu.be/rXW7a7EdCKA?si=fHVry4vas4tIJbCo   Planning for Retirement? Pay Off Debt & Start Practicing: https://www.hoyes.com/blog/planning-for-retirement-pay-off-debt-start-practicing/   How to Minimize Debt Before and After Retirement: https://www.hoyes.com/blog/how-to-minimize-debt-before-and-after-retirement/   Debt Relief for Seniors. What are Your Options?: https://www.hoyes.com/blog/debt-relief-for-seniors-what-are-your-options/   Seniors in Debt and Filing Bankruptcy: https://www.hoyes.com/press/joe-debtor/seniors-and-bankruptcy/

When I'm thinking to myself, "All right. Who do I need to talk to about money? Who would be a great source of wisdom and calmness and guidance in this time?" I thought I should introduce you to the person who helps me most. I'm going to introduce you to my financial advisor, Rona Birenbaum, who is brilliant. I love her not just for how she manages our money, but for how she calms us down. Rona is the founder of Caring for Clients--the name says a lot right away--a Canadian fee-for-service financial planning firm. Wealth Professional magazine has named Caring for Clients the top independent firm in Canada in 2017, and Rona has been named one of the top 50 advisors in Canada for five years running, an award well-deserved. Rona was recently named a Women of Influence in financial services. We’re not covering specific investment strategies in this podcast, because they’re irrelevant to most of us all the time, and immediately out of date regardless. But what we do get into is the mind-games of investing our money; what it means to plan positively using three different scenarios; just how a stock differs from a bond (so a tiny bit of financial basics for those of us who need it); and the power of self-care. You can meet Rona at www.CaringforClients.com and on Twitter @Caring4Clients. This show is brought to you by The Advice Trap, Michael Bungay Stanier’s latest book. You can access a wide range of tools to help #TameYourAdviceMonster at www.TheAdviceTrap.com If you’d like to spend more time with Michael and people he admires, sign up for The Year of Living Brilliantly. 52 teachers over 52 weeks, each teaching one brilliant insight. Absolutely free.

We talk to Rona Birenbaum, found of Caring For Clients, about what as an investor you can do about how ETF's are increasing the cost of financial advice.

Headphones range dramatically in price and performance. We’ll talk to Laura Dragan tester of over 1,000 pairs - about what to look for. And, Sharon Hartung is here to tell us about her new book Your Digital Undertaker: Exploring Death in the Digital Age in Canada. Then, Ninja Budgeter’s Mike Greig discusses how to tell if that used car is a lemon. Plus, white collar retirement planning with Manulife’s Kurt Rosentreter. And, how ETFs may be increasing the cost of financial advice with Rona Birenbaum.

In the 11th edition of the MoneySaver Podcast, we speak with Rona Birenbaum, Certified Financial Planner, from Caring For Clients.  In honour of Financial Planning Week, we discuss financial planning, the process of creating a financial plan, debt, spending and her new tech start-up Viviplan, a new, low-cost financial planning service for Canadians.    :48  Tell us a little bit about what attracted you to financial planning.   3:51  You're one of the few fee-only certified financial planners.  Is it much more difficult to make money with this type of service model?   5:41  For the benefit for our listeners can you explain how the process of creating a financial plan works and what fee an individual who seeks out your service can expect to pay?   9:50  How many hours do you think it takes to create a financial plan for someone who has even just a simple situation?   10:50 Tell us about Viviplan and the $800 fee expressed on your website.   14:03  Describe how you tailor this new service to the client?   17:45  Could you explain the two financial goals at most that is mentioned on your website?   18:38  As we all know, start-ups take money. How are you doing on the financing front?   20:30  Robo-Advisors have, for the most part, gotten rid of much of the personal interaction with customers. How essential is it for a customer to keep that personal relationship with a Certified Financial Planner in the process?   22:60  I understand that you're looking at a subscription model.    24:47  What kind of a monthly fee are you expecting?   26:29 What are you top three tips for our listeners when it comes to managing their finances?     Ellen's Tips and Tricks – Skin Care Subscription Fraud  

http://www.alainguillot.com/rona-birenbaum/ ‎ Rona is a certified financial planner. She has been serving the financial needs of Canadians for the past 27 years. When going through university, she needed a job, so she got a job as a bank teller at a credit union, then she shifted to a full-service broker house. While working at the broker house, Rona soon discovered that the job of a financial advisor was to sell products and not necessarily to give financial advice. After that sour discovery, Rona decided to open her own business. On 2000 she opened Caring for Clients and became one of Canada's first fee-for-service financial planners. Over the course of 18 years the business has thrived, now serving over 250 families. Rona is now focused on Vivaplan. She decided that objective, affordable, fee-for-service financial plans needed to be accessible and affordable for all Canadians, not just the wealthier Canadians. For $800 a client gets a plan covering estate planning, asset allocation, and insurance. Vivaplan was created for two reasons: 1. Caring for Clients is operating a full capacity. 2. Most people cannot justify spending a few thousand dollars in a financial plan.

Rona Birenbaum wants you to be financially successful. Rona started out in the financial services industry at a time when sales commissions were huge and the focus was on making money for yourself, and not necessarily your clients. Rona decided that this was all wrong and in the year 2000 she founded Caring For Clients, Toronto's best financial planning firm. At Caring for Clients, Rona and her team do something called Integrative Financial Planning. Sometimes referred to as holistic planning, it means looking at your whole financial picture. I believe this testimonial from caringforclients.com says it best "Rona and the team at Caring for Clients helped us put together a plan that is far beyond financial advice. Their unique holistic approach had us explore all aspects of our life to ensure that we had all the necessary support in place for our future." Over the years, Rona realized that paying for a full financial plan from Caring for Clients wasn't always in the financial best interest of prospective clients. So with the help of new technology, she recently created ViviPlan.com, where you can still get a great financial plan, but for a fraction of the price of a full-blown Caring for Clients plan. I visited Rona at her office in downtown Toronto where she shared her personal finance story. NEXT EPISODE 55 - Robert Gignac

Are you wondering how to best use your time in order to grow your business? On today’s episode of The Road to Seven podcast I’m speaking with Rona Birenbaum from Caring for Clients. Rona has worked for over 25 years in financial services within the credit union, full-service brokerage and independent financial planning industries. Over the years she has developed a strong team of seven financial professionals offering outstanding value to their diverse clientele. Today we’re talking about the importance of charting your own course when it comes to your business. Takeaways If you don’t have clients your focus needs to be on getting clients Don’t get distracted by things that make you feel like you’re being productive but are not actually creating growth or sustainability To get in front of a client is one thing—to have them see you are the person who can help them is another People can learn anything if their purpose is aligned, they work hard and they’re bright Making sound decisions quickly and efficiently and then adapting as you see those decision play out is more important than making perfect decisions Focus on your physical fitness, diet, and sleep because energy is key to making something meaningful happen

With 27 years of experience in the industry, today’s guest Rona Birenbaum explains the importance of technology in the financial services field, as well as how financial planners can stay relevant through all the changes. Rona is an honours graduate of York University’s Business School, a CFP, and an insurance advisor. In 2000, she founded Caring for Clients, a premier fee-only financial planning firm. In 2016, she started Viviplan, a low-cost, fee-only financial planning fintech company that’s the first of its kind in Canada. Wealth Professional Canada named Rona a Woman of Influence in Financial Services and one of the top 50 advisors in Canada for three years running. Rona is also a guest personal finance columnist for both The Globe and Mail and The Medical Post. Hear what she has to say about her two businesses, how she builds relationships with clients, and how she’s using technology to help bring financial planning services to more Canadians. Topics Discussed in This Episode: How Rona came up with the business name Caring for Clients How Viviplan makes financial planning more affordable for all Canadians Rona’s high-level financial planning process How Rona builds relationships with clients The types of questions that Rona asks clients to build engagement How to make sure that financial advisors really care about clients The importance of patience in building Rona’s companies Whether it would be easier to run a financial planning company today The challenges of scaling Viviplan’s services and how technology fills the gaps Viviplan’s service tier structure What Rona thinks about how financial planning will evolve in the future What kind of person would be a good investor or partner in Viviplan Rona’s words of wisdom for financial planners getting into the business now Links and Resources: Caring for Clients Viviplan Rona Birenbaum Rona on Twitter

Summary:In this 9th episode of the Fintech Impact podcast, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Rona Birenbaum, a Toronto-based financial planner, and the CEO of Viviplan, a Canadian Robo planner that uses technology to more effectively provide financial planning to clients and a better price point. They chat about how Rona came to create Viviplan, what it aims to do for financial planning, and how it is growing.01:09 – Rona sums up Viviplan.●01:27 –Viviplan came out of Rona’s experience as a fee only financial planner for over 20 years.●02:37 – Viviplan was accepted into the Ryerson DMZ-BMO Fintech Accelerator program in the summer of 2017.●04:27 – Clients go through a rigorous but friendly onboarding process to gather the information to develop a comprehensive, tax-sensitive, goal-driven financial plan●07:03 – The onboarding is all developed in-house.●09:13 –Public relations coverage in The Globe and Mail and MoneySense has helped get the word out marketing-wise—along with podcast appearances.●11:33 – To handle that overflow of inquiries and interest Viviplan is hiring another full-time planner.●13:27 – College graduates trained for financial planning are coming to the realization that the only available jobs are sales jobs.●18:14 – Viviplan doesn’t have in-house implementation, and they want to keep product and advice separate.●20:58 –For the comprehensive plan clients get feedback, education, information, and direction on all aspects of their financial life. There are also lighter plans for people with less questions, without a full analysis.●23:14 – Feedback from early users has been enthusiastic.●26:17 – The biggest challenge is money. Rona is currently financing the company personally. Also, she desires the right partner that will fit in smoothly.●29:26 – She is excited about building out a network of trusted professionals nation-wide.3 Key Points:1. Viviplan clients go through a rigorous but friendly onboarding process to gather the information to develop a comprehensive, tax-sensitive, goal-driven financial plan2.College graduates trained for financial planning are realizing that the only available jobs are sales jobs.3.Viviplan doesn’t have in-house implementation, and they want to keep product and advice separate.Tweetable Quotes:-“In order to do planning, you’ve got to sell.” – Rona Birenbaum.-“Technology in my view, will not replace the need for people in financial planning.” – Rona Birenbaum.-“We want to build out a platform of trusted professionals, vetted professionals, that our clients can then go to, and feel confident that they’re going to get the service to they need to implement what we have recommended.” – Rona Birenbaum.Resources Mentioned:●LinkedIn – Jason Pereira’s LinkedIn●Facebook – Jason Pereira’s Facebook●Woodgate Financial – Website for Woodgate Financial●Viviplan – Website for Viviplan●Twitter – Rona Birenbaum’s Twitter page See acast.com/privacy for privacy and opt-out information.