Sheldon Brow's guest appearances

Sheldon Brow

Fintech Impact

The MapleMoney Show

Financial Planning For Canadian Business Owners

The Leadership to Wealth Podcast

OwlTail

Jason Pereira talks to Sheldon Brow, founder of Pocket Finance; a platform for greater collaboration between clients and advisors giving them a personal financial management app on their phone that not only helps track their wealth but also educates them.Episode Highlights:1.04: Pocket finance is a dual interface fintech platform that could be a personal finance management tool for the consumers to help them safely and successfully navigate finance. 4.03: If a user has an average balance of 10,000 or more for six months or longer than they are making the minimum payment or low payment, you populate a notification that says you might want to change this to a different product to drop the interest rate in half to pay it off a lot sooner, says Sheldon5.01: The problem with banks is that the high-pressure sales that they have in there, it is this constant product dumping and doesn’t always mean it is a meaningful product for the client. 10.48: Being able to aggregate the data as one thing, any company can set up aggregate data pretty quickly through all of these different conduits that exist. There are a lot of them out there, but then what are you able to do with that data in a meaningful way? And then how are you engaging the different relationships that there needs to be in that conversation and enhance that collaborative advice?12.21: The single biggest obstacle to getting financial plans done is data collection, and the number doesn’t matter how much money they make, says Jason.15.29: Sheldon wants their app’s notification to not just be a notification in front of a user’s eyes. He wants it to be clickable and actionable for the next best. 17.12: Technology doesn’t need to be scary to adapt and increase engagement, and you can automate and personalize some of it very easily.18.33: As per Sheldon, there are so many things that need to be changed in the industry one is opportunities to collaborate on advice.22.01: Everybody thinks they are an expert, and there is a reason why somebody goes sideways. 26.01: If the system puts a tremendous amount of onus on the individuals to not get hosed or screwed, then that is a predatory system.3 Key PointsSheldon launched Pocket Finance by taking inspiration from two sides - one is the consumer side and the other one is the advisor side. Sheldon Brow shares details of his career growth and how he noticed major problems in clients’ financial transactions, and how he helped to resolve big payment issues. He also shares what motivated him to launch Pocket Finance. Sheldon talks about the importance of data within the financial conversation and how he enables that.Tweetable Quotes“There are some advisors who believe that the heavy lifting is their value proposition” – Jason“Even creditor insurance on a credit card for independent advisors is a meaningful and quick conversation.” - Sheldon Brow“Almost everything that matters to us in the modern day, especially digitally, lives as an icon on our phone.” – JasonResources Mentioned:Facebook – Jason Pereira’s FacebookLinkedIn – Jason Pereira’s LinkedInWoodgate.com – SponsorPocket Finance – Website  Hosted on Acast. See acast.com/privacy for more information.

Jason Pereira talks to Sheldon Brow, founder of Pocket Finance; a platform for greater collaboration between clients and advisors giving them a personal financial management app on their phone that not only helps track their wealth but also educates them.Episode Highlights:<ul><li>1.04: Pocket finance is a dual interface fintech platform that could be a personal finance management tool for the consumers to help them safely and successfully navigate finance. </li><li>4.03: If a user has an average balance of 10,000 or more for six months or longer than they are making the minimum payment or low payment, you populate a notification that says you might want to change this to a different product to drop the interest rate in half to pay it off a lot sooner, says Sheldon</li><li>5.01: The problem with banks is that the high-pressure sales that they have in there, it is this constant product dumping and doesn’t always mean it is a meaningful product for the client. </li><li>10.48: Being able to aggregate the data as one thing, any company can set up aggregate data pretty quickly through all of these different conduits that exist. There are a lot of them out there, but then what are you able to do with that data in a meaningful way? And then how are you engaging the different relationships that there needs to be in that conversation and enhance that collaborative advice?</li><li>12.21: The single biggest obstacle to getting financial plans done is data collection, and the number doesn’t matter how much money they make, says Jason.</li><li>15.29: Sheldon wants their app’s notification to not just be a notification in front of a user’s eyes. He wants it to be clickable and actionable for the next best. </li><li>17.12: Technology doesn’t need to be scary to adapt and increase engagement, and you can automate and personalize some of it very easily.</li><li>18.33: As per Sheldon, there are so many things that need to be changed in the industry one is opportunities to collaborate on advice.</li><li>22.01: Everybody thinks they are an expert, and there is a reason why somebody goes sideways. </li><li>26.01: If the system puts a tremendous amount of onus on the individuals to not get hosed or screwed, then that is a predatory system.</li></ul> 3 Key Points<ol><li>Sheldon launched Pocket Finance by taking inspiration from two sides - one is the consumer side and the other one is the advisor side. </li><li>Sheldon Brow shares details of his career growth and how he noticed major problems in clients’ financial transactions, and how he helped to resolve big payment issues. He also shares what motivated him to launch Pocket Finance. </li><li>Sheldon talks about the importance of data within the financial conversation and how he enables that.</li></ol> Tweetable Quotes<ul><li>“There are some advisors who believe that the heavy lifting is their value proposition” – Jason</li><li>“Even creditor insurance on a credit card for independent advisors is a meaningful and quick conversation.” - Sheldon Brow</li><li>“Almost everything that matters to us in the modern day, especially digitally, lives as an icon on our phone.” – Jason</li></ul> Resources Mentioned:<ul><li><a href="https://www.facebook.com/jason.pereira" rel="noopener noreferrer nofollow" target="_blank">Facebook</a> – Jason Pereira’s Facebook</li><li><a href="https://www.linkedin.com/in/pereirajm?trk=org-employees_mini-profile_title" rel="noopener noreferrer nofollow" target="_blank">LinkedIn</a> – Jason Pereira’s LinkedIn</li><li><a href="https://www.woodgate.com/#plan-prosper-preserve-financial-planning-toronto" rel="noopener noreferrer nofollow" target="_blank">Woodgate.com</a> – Sponsor</li><li>Pocket Finance – <a href="https://www.pocketfinance.com/" rel="noopener noreferrer nofollow" target="_blank">Website</a> </li></ul> Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Pocket Finance with Sheldon Brow | E222

What kind of investor are you? With the advent of technology and the emergence of low cost discount brokerages, more Canadian investors are taking a DIY approach with their money. Does that mean that financial advice no longer matters? Sheldon Brow is the founder &amp; CEO of Fintech platform Pocket Finance. He’s passionate about empowering clients with full and fair disclosure, inclusion, and bridging gaps to financial guidance and deeper client engagement. He’s also an open banking enthusiast and finance futurist. I sat down with Sheldon recently to discuss why it’s still important to seek the advice of various experts when it comes to your money. You can find the show notes for this episode at https://maplemoney.com/187 Do you prefer to invest in socially responsible companies? If so, our sponsor Wealthsimple will help you build a portfolio that focuses on low carbon, cleantech, human rights, and the environment. To get started with Socially Responsible Investing, head over to https://maplemoney.com/wealthsimple today!

What kind of investor are you? With the advent of technology and the emergence of low cost discount brokerages, more Canadian investors are taking a DIY approach with their money. Does that mean that financial advice no longer matters? Sheldon Brow is the founder &amp; CEO of Fintech platform Pocket Finance. He’s passionate about empowering clients with full and fair disclosure, inclusion, and bridging gaps to financial guidance and deeper client engagement. He’s also an open banking enthusiast and finance futurist. I sat down with Sheldon recently to discuss why it’s still important to seek the advice of various experts when it comes to your money. You can find the show notes for this episode at <a href="https://maplemoney.com/187" rel="noopener nofollow" target="_blank">https://maplemoney.com/187</a> Do you prefer to invest in socially responsible companies? If so, our sponsor Wealthsimple will help you build a portfolio that focuses on low carbon, cleantech, human rights, and the environment. To get started with Socially Responsible Investing, head over to <a href="https://maplemoney.com/wealthsimple" rel="noopener nofollow" target="_blank">https://maplemoney.com/wealthsimple</a> today!

Why Financial Advice Still Matters, with Sheldon Brow

In this episode of Financial Planning for Canadian Business Owners, Jason Pereira, award-winning financial planner, university lecturer, writer, talks with Sheldon Brow, Independent Mortgage Broker. Sheldon Brow talks about how mortgage lending and debt in general work differently for business owners than they do for the average consumer. He also provides guidance and tips on how to make your life easier as a business owner when you need to apply for debt. Episode Highlights: ● 01:12 – Sheldon Brow describes what he does in his career. ● 02:44 – Why do business owners have such a hard time getting mortgages? ● 05:53 – Why are independent mortgage brokers such a beneficial option? ● 04:20 – What does the approach to applying for debt look like? ● 10:12 – The vast amount of financial training is unfortunately focused on sales. ● 11:20 – What are his best practices to make access to credit easier for business owner clients? ● 14:17 – Sheldon talks about various types of business loans that people commonly need to take out. ● 21:25 – For business lending, it is really helpful to have big, extensive contracts with big companies, reliable cash flow, assets, and invoices that you have coming in. 3 Key Points 1. Among the plethora of business mortgage lending, some of the variables include not just credit scores, but also debt-service coverage ratio. 2. Seek a long-term relationship with your broker with an ecosystem of financial experts, not just a transactional situation. 3. The better you know your client, the better you can advise. Tweetable Quotes: ● “I broker mortgages. I am able to shop across more than 30 different lenders and many, many different types of products for both personal and business lending.” – Sheldon Brow ● (Business lending) “A lot of people think you just need a good credit score, and that is a huge misconception.” – Sheldon Brow ● “Why brokers are better in every level of finance, in my opinion, is because they’re not just giving the kind of tunnel vision of what is appropriate at that bank.” – Sheldon Brow Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● jasonpereira.ca – Jason Pereira Website ● sheldonbrow.com – Website for Sheldon Brow ● Linkedin – Sheldon Brow● Call Sheldon Brow – (902)440-2663 Full Transcript Hosted on Acast. See acast.com/privacy for more information.

In this episode of Financial Planning for Canadian Business Owners, Jason Pereira, award-winning financial planner, university lecturer, writer, talks with Sheldon Brow, Independent Mortgage Broker. Sheldon Brow talks about how mortgage lending and debt in general work differently for business owners than they do for the average consumer. He also provides guidance and tips on how to make your life easier as a business owner when you need to apply for debt. Episode Highlights: ● 01:12 – Sheldon Brow describes what he does in his career. ● 02:44 – Why do business owners have such a hard time getting mortgages? ● 05:53 – Why are independent mortgage brokers such a beneficial option? ● 04:20 – What does the approach to applying for debt look like? ● 10:12 – The vast amount of financial training is unfortunately focused on sales. ● 11:20 – What are his best practices to make access to credit easier for business owner clients? ● 14:17 – Sheldon talks about various types of business loans that people commonly need to take out. ● 21:25 – For business lending, it is really helpful to have big, extensive contracts with big companies, reliable cash flow, assets, and invoices that you have coming in. 3 Key Points 1. Among the plethora of business mortgage lending, some of the variables include not just credit scores, but also debt-service coverage ratio. 2. Seek a long-term relationship with your broker with an ecosystem of financial experts, not just a transactional situation. 3. The better you know your client, the better you can advise. Tweetable Quotes: ● “I broker mortgages. I am able to shop across more than 30 different lenders and many, many different types of products for both personal and business lending.” – Sheldon Brow ● (Business lending) “A lot of people think you just need a good credit score, and that is a huge misconception.” – Sheldon Brow ● “Why brokers are better in every level of finance, in my opinion, is because they’re not just giving the kind of tunnel vision of what is appropriate at that bank.” – Sheldon Brow Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● <a href="http://FintechImpact.co" rel="nofollow" target="_blank">FintechImpact.co</a> – Website for Fintech Impact ● <a href="http://jasonpereira.ca" rel="nofollow" target="_blank">jasonpereira.ca</a> – Jason Pereira Website ● <a href="http://sheldonbrow.com" rel="nofollow" target="_blank">sheldonbrow.com</a> – Website for Sheldon Brow ● Linkedin – Sheldon Brow● Call Sheldon Brow – (902)440-2663 <a href="https://jasonpereira.ca/financial-planning-for-canadian-business-owners-podcast-jason-pereira" rel="noopener noreferrer nofollow" target="_blank">Full Transcript</a> Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.