Fintech Impact

Summary:In this 75th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Jill Earthy, Head of Female Funders, powered by Highline BETA. Female Funders is an organization that helps coach and educate women on making private investments in venture capital start-ups and venture capital deals. Jill shares what inspired the organizations, the strides and impact it is making, and goals that it has to make in the playing field of investments more equitable for women.Episode Highlights:● 00:53: – Jill Earthy explains what Female Funders is all about.● 01:29: – How did Female Funders get started?● 03:29: – Where are the female founders that they service coming from?● 05:08: – How does the education component of Female Funders work?● 06:53: – What was the reason for bridging the gap?● 09:06: – How does investing typically work?● 10:51: – Where do a lot of the deals come from?● 12:39: – How much deal flow has Female Funders been seeing?● 13:47: – Wh

Summary: In this 74th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews the team behind Owl.co, Sean Merat the CEO, Sohrab Merat the CPO, and Vahid Mirjalili the COO. Owl.co is a company that has created a solution to assist major financial institutions with their AML, KYC, onboarding, and fraud protection. Sean, Sohrab, and Vahid all elaborate on successful ways Owl.co has serviced clients in its short existence, how they work within compliance, privacy issues, and regulations, and how Owl.co can help tackle fraud issues.Episode Highlights:● 00:51: – Vahid Mirjalili explains what Owl.com is and offers.● 02:56: – What is the impetus of Owl.co?● 06:22: – How does Owl.co deal with the privacy issue?● 10:04: – They break down how human biases can be phased out with Owl.co’s service.● 13:03: – How do they go about educating the customer?● 14:50: – Owl.co looks for supporting evidence and track a whole lifestyle.● 16:02: – Jason talks about

Summary:In this 73rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Ron Carson, Founder and CEO of Carson Wealth, Carson Group, Carson Coaching, and Carson Partners, all based in the Greater Omaha Area. Ron Carson shares his accumulated wisdom as a well-known advisor, entrepreneur, thought-leader, and a New York Times Best-selling author in the financial planning space. Learn about the immense values adds that Carson offers, as well as the ways they are able to measure client behavior and financial planning.Episode Highlights:● 00:46: – Ron Carson opens up about his background in financial services.● 05:38: – How is Carson adding value to clients?● 08:23: – What is the value derived from being able to measure the planning alpha and client decision alphas?● 10:24: – Which value adds are on their way through Carson?● 14:38: – What does their client timeline keep track of?● 17:30: – How are dollar amounts attached to various services?●

Summary:In this 72nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host continues the previous discussion from episode 71 with returning guests Aly Dhalla, CEO & Co-Founder at Finaeo and Zaheer Merali, Entrepreneur, Advisor, Investor, and Connector of Fintech and Healthtech. The financial innovations of technology behemoths Amazon, IBM, and Alibaba are the core focus of this talk.Episode Highlights: ● 00:24: – How long will it be before a tech giant will become their own bank?● 02:48: – Aly and Zaheer share hypothetical possibilities of how Amazon could link machine payment to shared devices.● 06:16: – How will autonomous cars change business models and customer experiences?● 08:05: – You can’t move money between banks on the weekend because the servers are closed on weekends because they keep bankers’ hours.● 09:00: – What can we expect from Haven health service at Amazon, a joint venture with Berkshire Hathaway and Chase.● 12:41: – Jason shar

Summary:In this 71st episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host conducts a discussion with previous guests Aly Dhalla, CEO & Co-Founder at Finaeo and Zaheer Merali, Entrepreneur, Advisor, Investor, and Connector of Fintech and Healthtech. Their talk revolves around how large technology businesses in non-financial spaces are venturing into both fintech and healthcare at the same time. Some of the companies that are mentioned include: Apple, Google, Amazon, and Microsoft among others.Episode Highlights:● 01:06: – What is Facebook’s approach in the cryptocurrency arena?● 05:27: – What is the Chinese company WeChat?● 07:21: – What are the differences between Messenger and WeChat?● 10:06: – What is the world’s biggest hedge fund, where is it located, and why?● 11:03: – Where is Apple going with Apple Pay, Apple Pay Cash, and Apple Credit Cards?● 16:44: – Banks will become utility providers that provide financial infrastructure.● 18:04: – Wha

Turning Wellness into Financial Savings with Om Suthar of SQRLIn this 70th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host conducts an interview with Om Suthar, Founder of SQRL. SQRL is a company that combines fitness tracking, behavioral finance, and insurance into one product that services and encourages workplace wellness. During the course of the discussion, Om Suthar offers information about how vital wellness is from a productivity and insurance level and how SQRL is impacting within their unique convergence of these spaces.Episode Highlights:00:42–  Om Suthar introduces himself and explains SQRL.00:56: – What was the impetus for Om to start SQRL?03:00: – How does the SQRL app work for users?04:39: – Where has SQRL led Om thus far?05:47: – How can employers benefit from utilizing the service?07:21: – How does activity and insurance data converge with SQRL?08:55: – What are some of the potential positive outcomes of Squirrel?11:33

Summary:In this 69th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host conducts an interview with Samantha Russell, Chief Marketing and Business Development Officer at Twenty Over Ten. Twenty Over Ten is a company that assists advisors with marketing and consulting for their business, along with intuitive websites that are easy to manage with a compliance backend. Samantha shares how Twenty Over Ten was started, the marketing problems that they provide their client's solutions to, and the common reasons why many advisors either succeed or fail at digital marketing.Episode Highlights:● 00:36: – Samantha Russell explains Twenty Over Ten and how they help advisors.● 02:44: – What was one of the driving forces for Twenty over Ten getting created?● 05:22: – How has the RAA market differed from the BD space?● 07:34: – What are the unique value propositions that Twenty Over Ten offers?● 12:47: – Do they look for performance on a global level to see what

Summary:In this 68th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host conducts an interview with Ron Finberg, Product Specialist at Cappitech. Cappitech is a company that assists international financial companies that deal with reporting complex issues stemming from global regulations. Learn what Cappitech is capable of doing during this discussion with Ron Fineberg.Episode Highlights:● 00:48: – Ron Finberg explains Cappitech and what they do.● 01:59: – How did Cappitech get started?● 05:20: – What is the regulatory challenges that Cappitech solves?● 08:15: – What types of challenges are often faced to compile data?● 09:42: – How does the Cappitech platform format work?● 10:55: – Which areas does Cappitech service?● 12:27: – What is coming out of extreme data dumps?● 15:09: – How does the end-user experience unfold?● 17:20: – What has been the reception from the clients that Ron has been dealing with?● 21:39: – What would be something Ron Finberg

Summary:In this 67th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host conducts an interview with Michael Curtis, President of Vision Systems. Vision Systems is a Canadian-based financial software corporation that is capable of performing full and comprehensive financial planning for individuals, businesses, and trusts. Jason and Michael’s discussion covers what Vision Systems is capable of handling, the difference between dynamic and static planning, and how the software is able to mold to the client.EpisodeHighlights:● 00:34: – Michael Curtis explains Vision Systems and how it got started.● 03:48: – Does Michael see a lot of larger firms viewing financial planning as a loss leader?● 06:30: – Which types of financial plans can Vision Systems handle?● 07:41: – Most of the software in the United States and Canada are goals-based.● 10:08: – Jason and Michael discuss the difference between dynamic and static systems.● 13:57: – What are the driving co

Summary:In this 66th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host conducts a review of his experience at the Salesforce World Tour Conference in Toronto along with his colleague Alex Martin, a financial advisor with IPC Securities, Vice President at Craig & Taylor Associates, and a Founding Partner with Jason Pereira at Finally Technology.Time Stamped Show Notes:● 00:49: – Alex Martin introduces himself● 02:01: – What is Salesforce● 06:13: – Salesforce puts out multiple iterations on a yearly basis● 07:05: – What is the importance of being able to build your own APIs on top ofpre-existing software for businesses● 09:23: – Alex discusses Salesforce’s Customer 360 platform for taking serversinto one place● 12:08: – Deduplication is a problem that people deal with in legacy systems● 13:03: – What is Alex’s take on Salesforce’s Einstein Voice● 16:26: – They discuss the concept of ‘next best action’● 19:07: – What is Salesforce's Quip platform

Summary:In this 65th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host conducts an interview with Adam Holt, the CEO of Asset-Map. Asset-Map is a powerful online visualization tool that helps financial advisors, as well as clients, get aligned with each other. Adam shares the road that brought him into creating this service, how Asset-Map provides tangible value, and what changes Adam believes need to take place to improve the industry.Time Stamped Show Notes:● 00:30: – What kind of financial software program is Asset-Map● 01:03: – How did this journey towards Asset-Map roll out● 02:17: – Which elements are included in the Asset-Map visualizations for clients● 07:20: – You have to show a client that you know them, their needs and solutions● 09:59: – What does the customer experience of the product look like● 13:21: – What kind of goals-based planning module is Asset-Map● 15:03: – What has the advisor and client feedback been like with Asset-Map● 1

Summary:In this 64nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host conducts an interview with Nitesh Verma, Director of Marketing and Enterprise Solutions at Advisor Websites. Advisor Websites operates as a platform that enables financial advisors to publish attractive and compliant websites. Nitesh shares the ways that Advisor Websites can improve business access and referrals for financial advisors, the integration capabilities of their services, and he points out the reasons why some advisors make the mistake of avoiding websites.Time Stamped Show Notes:● 00:27: – What is Advisor Websites’ origin and what problems is it trying to solve● 02:34: – Advisor Websites is like a Squarespace or Wix for financial advisors● 03:32: – Nitesh Verma started in sales at Advisor Websites● 05:07: – What are the price points for Advisor Websites’ services● 09:04 – Which tools currently integrate with Advisor Websites● 09:40: – How does the process roll out f

Summary:In this 63rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host has an informative interview with Aaron Klein, CEO, and Co-Founder of Riskalyze, a risk tolerance assessment and illustration tool that helps advisors analyze the amount of risk in their client's portfolios. Aaron opens up about how Riskalyze operates, how it can benefit advisors and the importance of risk assessment in the financial industry.Time Stamped Show Notes:● 00:40: – Arron explains what Riskalyze is● 03:11: – What is the Riskalyze definition of goals-based investing● 05:00: – Why does Riskalyze put risk-centric advice at the forefront● 07:00: – The biggest risk is if the market drops a client pulls out and missed theupswing later● 08:24: – How does the “risk number” that Riskalyze created help assess risk● 12:44: – Understand how much risk clients need to reach their goals● 16:14: – What types of methods does Riskalyze use to calculate risk probability● 17:22: – Advis

Summary:In this 62nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host conducts an interview with Ian Jeffery, CEO and Co-Founder of Breathe Life, a software service platform that drives traffic to insurance carriers websites and advisors. Ian also shares how Breathe Life helps to complete direct-to-consumer sales of life insurance policies and how he addresses the advice gap in the insurance industry.Time Stamped Show Notes:● 00:42: – How can Breathe Life benefit the industry● 03:14: – What made Ian get into this business● 06:42: – What does Breath Life do for clients● 10:08: – How does Breathe Life address the advice gap● 13:41: – Breathe Life works through MGAs and carriers, not through advisors● 14:08: – What is an example of a carrier they have worked with● 15:42: – What is some of the stuff they are learning from the analytics● 18:51: – How has the feedback been on Breathe Life so far● 24:00: – If Ian had one wish for his business, what woul

Summary:In this 61th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host conducts an interview with Scott Huff, the CEO of YourEfolio, an estate planning software platform to assist financial advisors facilitate the transfer of assets. Scott Huff shares his background in financial services and how it steered him in the direction of establishing YourEfolio, a company he has been active with now since March 2015.Show Notes:● 01:03: – YourEfolio is a premium estate planning software that benefits advisors,clients, and attorneys● 01:46: – Being a financial planner since 2001 is what pushed Scott into YourEfolio● 03:08: – How does YourEfolio interact their advisors and their clients● 04:32: – What is the service doing for clients online● 09:57: – Estate planning is a relationship business that has an effect on legacies● 10:32: – What has been the feedback from financial advisors● 12:14: – What is the value proposition of YourEfolio● 14:45: – How have law

Summary:Host Jason Pereira interviews Dave Faulkner, CEO of Razorplan. The two discuss RazorPlan’s easy but comprehensive financial planning system, and Faulkner provides details about its background, development, and benefits. The two also share ideas on the future of financial planning.Show Notes:● 0:15 - Plan Plus Global Financial Planning Award - Pereira highly suggests competing● 1:10 - Introduction of Dave Faulkner● 1:20 - RazorPlan is a comprehensive but simple financial planning system● 2:00 - Faulkner gives some historical background● 4:50 - RazorPlan focuses on cash flow at retirement and goals-based prior to retirement.● 5:10 - Faulkner explains why he appreciates the ties between insurance and investments● 6:05 - Start with the retirement plan● 7:00 - The two agree that there needs to be some governance on financial planning● 10:00 - One thing is often missing from a financial plan - minimum rate of return required to meet your goal● 12:00 - What should be done with excess capital?● 13:35 - When d

Summary:Host Jason Pereira interviews the leadership team of Four Eyes Financial, a data discovery tool used by brokers and dealers to help gather information and transform their businesses from transaction based to relationship based. The group discusses their integrative approach, dynamic tools, customization, and future plans in the industry.Show Notes:● 0:55 - Introduction and background of Four Eyes Financial● 2:35 - Transactional vs. transformational approach● 3:55 - The process of the tool● 6:11 - The advisor aspect of the process● 7:15 - Still rolling out the tool, but have discovered two issues● 8:22 - A new way to approaching the client portal● 9:27 - Still working out details about ownership● 12:10 - The group explains the transparency of accounts● 13:30 - They explain the dynamic tools that clients can use on their sites● 14:58 - How they layer solutions● 17:18 - Integration vs. innovation. Staying one step ahead of competition.● 19:07 - Their biggest shock entering the industry was the “dirty” da

Cascades Financial Solutions Inc. Summary:Host Jason Pereira interviews Jonathan Kestle, an Advisor with Casades Financial Solutions Inc. which is a company specifically focused on financial accumulation and retirement income calculation. Kestle explains why the Cascades’ software has been and will be extremely helpful for the retiring population.Show Notes:● 0:38 - Introduction of Cascades Financial Solutions - a retirement income calculator● 1:54 - Kestle explains the history of the company and his background working there● 5:30 - He talks about how to use the Cascades software● 8:10 - He explains why strategy matters● 10:10 - People often forget about the estate tax● 10:55 - Kestle explains why best practices need to be adjusted to meet current needs● 13:00 - As the boomer generation starts retiring, Kestle wants to make the Cascades software readily available● 14:06 - Kestle describes the output of the Cascades software● 17:05 - Cascades provides a chart explaining which money comes from which account● 18

Summary:Ian Crosby, co-founder and CEO of Bench Accounting gives an overview of his accounting company and how it takes care of its customers. Bench helps entrepreneurs with their bookkeeping needs by making it simple, affordable, and easy. Crosby discusses the innovative approach of Bench, gives advice to entrepreneurs, and talks about wanting to help people with their accounting needs.Show Notes:● 0:25 - Ian Crosby is the co-founder and CEO of Bench Accounting, an accounting company that fully handles entrepreneurs’ accounting needs.● 1:10 - How Bench Accounting was founded● 2:42 - Services Bench Accounting offers● 4:37 - How Bench Accounting is helpful for entrepreneurs● 5:30 - Why the Bench mission and messaging is different than those of other companies● 8:05 - Why Bench accounting focuses on bookkeeping and considers it the foundational piece of accounting● 10:20 - Provides confidence and reliability that there are no mistakes in the books● 12:05 - The Checklist Manifesto,a book about emergency checklis

Summary: Jason Pereira, award-winning financial planner, university lecturer, and writer, speaks with Clark Richey, CTO of FactGem, about the recent strides in connecting “big” data and the challenges associated with it.Show Notes:● 0:35 - Clark Richey, CTO of the data linking company FactGem, gives some background information about his company.● 1:55 - Richey explains his own background.● 3:05 - Host explains why data analysis is important.● 3:50 - Richey explains the steps and challenges involved in analyzing data.● 5:44 - Why are certain companies able to gather a great deal of information linked all together?● 7:18 - Why are certain established companies really struggling with this problem?● 8:50 - Older companies especially in the financial sector have created their own problem because of sticking with old technology.● 11:13 - Discusses his first steps including education and examples when sitting down with company leaders.● 13:35 - Talks about challenges of interacting with internal IT departments.● 16: