Sandi Martin's guest appearances

Sandi Martin

Canadian Couch Potato

The Personal Finance Show

Alain Guillot Show

The Just Word Podcast

Larry Bates

Rona Birenbaum

Jessica Moorhouse

Erin Lowry

Rob Carrick

Cait Flanders

Robert Gignac

Dale Roberts

Randy Cass

Ed Rempel

Erika Toth

Shannon Lee Simmons

Barry Choi

Robin Taub

Bob Lai

OwlTail

It's one of those things you just have to have ... a financial plan! But do you? And what is it? Sandi Martin of Spring Financial Planning has the answers ... This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

It's one of those things you just have to have ... a financial plan! But do you? And what is it? Sandi Martin of <a href="https://springplans.ca/" rel="nofollow" target="_blank">Spring Financial Planning</a> has the answers ... This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to <a href="http://www.justwealth.com" rel="nofollow" target="_blank">www.justwealth.com</a>.

Your Life, Well Spent (pun intended) with Sandi Martin

Sandi Martin wants someone giving financial advice to be paid by the person who’s receiving financial advice. And the someone giving financial advice should be paid a fee for the financial services they provide. Sandi worked at a bank for years and her job was to sell the bank’s products. When people came to her office to ask for financial advice, they didn’t have to pay her anything. The bank paid her. She worked for the bank and not for the people asking for advice. The bank would be happy if the people who came into Sandi’s office purchased one of the bank’s products before they left, and Sandi would be considered a success if she sold as many bank products as she could. A lot of the time, the products at the bank were not the best products for the people who walked into her office. They weren’t terrible products, but they weren’t the right fit for some of the people. But she couldn’t recommend anything else because she would have lost her job at the bank. The more she found out about the variety of financial products that existed, she realized that a lot of the best ones for the people who walked into her office at the bank existed outside of the bank. So she left and created her own financial planning company, which is now called Spring Financial Planning. She decided she wasn’t going to sell financial products at all. She would talk to people and find out what they need to achieve their financial goals. They would pay her a fee to help them make a financial plan that wasn’t tied to any financial products. When the plan was done and they asked her how they should invest their money in a way that aligned with the goals in their plan, she could point them to a variety of suitable products that they could get from a variety of places. And they would be suitable for her clients because they would help them achieve their financial goals, not because she was getting paid to sell them. Sandi Martin joined me from somewhere in the middle of the province of Ontario to tell her personal finance story.NEXT EPISODE83 - Ed Rempel  Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach  Click here to become a patron of The Personal Finance Show via Patreon To register for my next available personal finance webinar click here.

Sandi Martin wants someone giving financial advice to be paid by the person who’s receiving financial advice. And the someone giving financial advice should be paid a fee for the financial services they provide. Sandi worked at a bank for years and her job was to sell the bank’s products. When people came to her office to ask for financial advice, they didn’t have to pay her anything. The bank paid her. She worked for the bank and not for the people asking for advice. The bank would be happy if the people who came into Sandi’s office purchased one of the bank’s products before they left, and Sandi would be considered a success if she sold as many bank products as she could. A lot of the time, the products at the bank were not the best products for the people who walked into her office. They weren’t terrible products, but they weren’t the right fit for some of the people. But she couldn’t recommend anything else because she would have lost her job at the bank. The more she found out about the variety of financial products that existed, she realized that a lot of the best ones for the people who walked into her office at the bank existed outside of the bank. So she left and created her own financial planning company, which is now called <a href="https://springplans.ca/" rel="nofollow" target="_blank">Spring Financial Planning</a>. She decided she wasn’t going to sell financial products at all. She would talk to people and find out what they need to achieve their financial goals. They would pay her a fee to help them make a financial plan that wasn’t tied to any financial products. When the plan was done and they asked her how they should invest their money in a way that aligned with the goals in their plan, she could point them to a variety of suitable products that they could get from a variety of places. And they would be suitable for her clients because they would help them achieve their financial goals, not because she was getting paid to sell them. Sandi Martin joined me from somewhere in the middle of the province of Ontario to tell her personal finance story.NEXT EPISODE <a href="https://www.thepersonalfinanceshow.com/e/ed-rempel/" rel="nofollow" target="_blank">83 - Ed Rempel</a> <a href="https://booking.beauhumphreys.com/free-15-minute-consultation" rel="nofollow" target="_blank"></a> <a href="https://booking.beauhumphreys.com/free-15-minute-consultation" rel="nofollow" target="_blank">Click here to book a FREE 15-minute personal finance consultation with Beau Humphreys, Personal Finance Coach</a> <a href="https://www.patreon.com/beauhumphreys" rel="nofollow" target="_blank"></a> <a href="https://www.patreon.com/beauhumphreys" rel="nofollow" target="_blank">Click here to become a patron of The Personal Finance Show via Patreon</a> To register for my next available personal finance webinar <a href="https://beauhumphreys.com/webinar/" rel="nofollow" target="_blank">click here</a>.

82 - Sandi Martin

Sandi Martin of Spring Personal Finance joins Dan to discuss the differences between financial planning and investment advice. Then Dan considers how things worked out if you revamped your portfolio before the US election. In Ask the Spud, we look at the risks and rewards of corporate bonds. For complete show notes, visit canadiancouchpotato.com/podcast. 

Sandi Martin of Spring Personal Finance joins Dan to discuss the differences between financial planning and investment advice. Then Dan considers how things worked out if you revamped your portfolio before the US election. In Ask the Spud, we look at the risks and rewards of corporate bonds. For complete show notes, visit <a href="canadiancouchpotato.com/podcast" rel="nofollow" target="_blank">canadiancouchpotato.com/podcast</a>.

2 - Planning vs Investing with Sandi Martin

http://www.alainguillot.com/sandi-martin/ Sandi Martin From Spring Financial Planning I heard from Sandi in an interview I had with Shannon Lee Simmons, Shannon recommended the podcast Because Money where Sandi is one of the participants in a roundtable. The podcast is almost like a telenovela, where the speakers present their different points of view and they are not afraid to disagree with one another. In the end, the listener gets a great learning experience from different points of view. Sandi graduated with a history major. She worked at a bookstore, and that's great because she loves reading. She went from staking books to the cash register, then to cash supervisor, and then she applied at a bank to be a teller. Most's people careers are generally not what they go to school for. Life is full of randomness. In a bank setting, it's hard to be good to your clients and also be a good employee. After eight years of working at the bank, and after building a family with 3 kids, Sandi decided to hang her own shingle. As far as credit cards in a bank, tellers are constantly offering new credit card offering. The creditcard-reward game is in the too complicated and boring Credit card rewards is an elaborated shell game. They give you enough to keep you interested, to keep you playing We are wired to be scared of the simple solutions Where the rubber mets the road is on how you spend your money and how that lings up with what's important to you We buy consumer "lifestyle" items out of shame ' I need to buy a house that looks like this because that's what successful people have, that's what my family expects of me. I would be a failure, people would know I am a failure if my car is 10 years old. ' If you have the skills to be contempt, that's way more important than making sure you are in the right investment vehicle.

<a href="http://www.alainguillot.com/?p=5689&amp;preview=true" rel="nofollow" target="_blank">http://www.alainguillot.com/sandi-martin/</a> <a href="https://springplans.ca/about/" rel="noopener nofollow" target="_blank">Sandi Martin</a> From Spring Financial Planning I heard from Sandi in an interview I had with <a href="http://www.alainguillot.com/shannon-lee-simmons-how-to-have-worry-free-money/" rel="noopener nofollow" target="_blank">Shannon Lee Simmons</a>, Shannon recommended the podcast <a href="https://www.becausemoney.ca/" rel="nofollow noopener" target="_blank">Because Money </a>where Sandi is one of the participants in a roundtable. The podcast is almost like a telenovela, where the speakers present their different points of view and they are not afraid to disagree with one another. In the end, the listener gets a great learning experience from different points of view. Sandi graduated with a history major. She worked at a bookstore, and that's great because she loves reading. She went from staking books to the cash register, then to cash supervisor, and then she applied at a bank to be a teller. Most's people careers are generally not what they go to school for. Life is full of randomness. In a bank setting, it's hard to be good to your clients and also be a good employee. After eight years of working at the bank, and after building a family with 3 kids, Sandi decided to hang her own shingle. As far as credit cards in a bank, tellers are constantly offering new credit card offering. The creditcard-reward game is in the too complicated and boring Credit card rewards is an elaborated shell game. They give you enough to keep you interested, to keep you playing We are wired to be scared of the simple solutions Where the rubber mets the road is on how you spend your money and how that lings up with what's important to you We buy consumer "lifestyle" items out of shame ' I need to buy a house that looks like this because that's what successful people have, that's what my family expects of me. I would be a failure, people would know I am a failure if my car is 10 years old. ' If you have the skills to be contempt, that's way more important than making sure you are in the right investment vehicle.