After five years and 136 episodes, it is time to say goodbye. In our last episode, we wanted to continue where we started this journey by providing all of you with some actionable ideas and learnings that might be helpful for your practice on the road ahead. We'll share stories and memorable experiences with you and identify several enduring principles that our guests helped us uncover to help you shape the future that you want to create. Thank you to all of our guests and listeners for five great years. We hope that you continue to access, use, and revisit these episodes, and most importantly, put them to work to have better conversations and better outcomes in your practice, your portfolios, and your financial planning.

After five years and 136 episodes, it is time to say goodbye. In our last episode, we wanted to continue where we started this journey by providing all of you with some actionable ideas and learnings that might be helpful for your practice on the road ahead. We'll share stories and memorable experiences with you and identify several enduring principles that our guests helped us uncover to help you shape the future that you want to create. Thank you to all of our guests and listeners for five great years. We hope that you continue to access, use, and revisit these episodes, and most importantly, put them to work to have better conversations and better outcomes in your practice, your portfolios, and your financial planning.

128 4 enduring principles for the road ahead

This month marks our five-year anniversary for the Better Conversations. Better Outcomes. podcast. In recognition of this milestone, we're going to throw back to our first episode. Every investor has a unique perspective on the world, unique reasons for investing, and unique goals for their investment portfolios. In this episode, we explore how financial advisors can use personality archetypes to create better connections with their clients. How can you better communicate with investors who might feel that their advisor should have foreseen change in the markets? In this episode, Matt Smith lays out four investor archetypes, each with their own set of personality attributes: Guardians, Artisans, Idealists and Rationals. This episode details each of the archetypes and how you as a financial advisor can best cater to your clients’ personalities. For full show notes and links mentioned in this episode, visit http://bmogam.com/betterconversations.

This month marks our five-year anniversary for the Better Conversations. Better Outcomes. podcast. In recognition of this milestone, we're going to throw back to our first episode. Every investor has a unique perspective on the world, unique reasons for investing, and unique goals for their investment portfolios. In this episode, we explore how financial advisors can use personality archetypes to create better connections with their clients. How can you better communicate with investors who might feel that their advisor should have foreseen change in the markets? In this episode, Matt Smith lays out four investor archetypes, each with their own set of personality attributes: Guardians, Artisans, Idealists and Rationals. This episode details each of the archetypes and how you as a financial advisor can best cater to your clients’ personalities. For full show notes and links mentioned in this episode, visit <a href="http://bmogam.com/betterconversations" rel="nofollow" target="_blank">http://bmogam.com/betterconversations</a>.

127 Investor archetypes: Matching communications to client personalities

The most impactful financial decisions for your clients often come around some type of life event or transition – and for many, it comes at a time of heightened emotional state, either positive or negative. As a financial advisor, helping to meet your clients on level ground and produce a positive outcome from this change is key to your, and your client’s, success. Ross Marino joins the podcast to discuss the best ways to guide your clients through these drastic changes in their lives. Ross will provide examples of these scenarios and discuss his series of four questions to answer before working towards a next-steps financial decision. For full show notes and links mentioned in this episode, visit http://bmogam.com/betterconversations.

The most impactful financial decisions for your clients often come around some type of life event or transition – and for many, it comes at a time of heightened emotional state, either positive or negative. As a financial advisor, helping to meet your clients on level ground and produce a positive outcome from this change is key to your, and your client’s, success. Ross Marino joins the podcast to discuss the best ways to guide your clients through these drastic changes in their lives. Ross will provide examples of these scenarios and discuss his series of four questions to answer before working towards a next-steps financial decision. For full show notes and links mentioned in this episode, visit <a href="http://bmogam.com/betterconversations" rel="nofollow" target="_blank">http://bmogam.com/betterconversations</a>.

126 How to navigate changes in a retirement plan

Medicare is the closest thing in the U.S. to a single-payer healthcare system, but it comes with trade-offs, including direct implications to a client’s HSA plan, social security and more. When is the right time for your clients to enroll? Peter Stahl returns to the podcast to discuss planning for retirement with means-testing and taxable income in mind. He helps us break down the Medicare program, explain the pros and cons for enrolling in Medicare when eligible, and emphasize the importance of building sources of tax-free wealth before retirement. For full show notes and links mentioned in this episode, visit http://bmogam.com/betterconversations.

Medicare is the closest thing in the U.S. to a single-payer healthcare system, but it comes with trade-offs, including direct implications to a client’s HSA plan, social security and more. When is the right time for your clients to enroll? Peter Stahl returns to the podcast to discuss planning for retirement with means-testing and taxable income in mind. He helps us break down the Medicare program, explain the pros and cons for enrolling in Medicare when eligible, and emphasize the importance of building sources of tax-free wealth before retirement. For full show notes and links mentioned in this episode, visit <a href="http://bmogam.com/betterconversations" rel="nofollow" target="_blank">http://bmogam.com/betterconversations</a>.

125 When is Medicare right for me?

A couple’s inability to communicate about their finances is one of the leading causes of a breakup. As an advisor, it's your responsibility to help clients navigate the challenges of financial planning, even in the context of love and relationships. Vonny Carrington joins the podcast to share many actionable insights for advisors to use with couples at any stage of a relationship, from engagement to moving in together, to marriage, divorce and even widowhood. For full show notes and links mentioned in this episode, visit http://bmogam.com/betterconversations.

A couple’s inability to communicate about their finances is one of the leading causes of a breakup. As an advisor, it's your responsibility to help clients navigate the challenges of financial planning, even in the context of love and relationships. Vonny Carrington joins the podcast to share many actionable insights for advisors to use with couples at any stage of a relationship, from engagement to moving in together, to marriage, divorce and even widowhood. For full show notes and links mentioned in this episode, visit <a href="http://bmogam.com/betterconversations" rel="nofollow" target="_blank">http://bmogam.com/betterconversations</a>.

124 Managing money together: The importance of financial conversations in relationships

Clients looking for a new advisor or firm are faced with an overwhelming set of options. One way to set your practice apart is by giving a lot of thought to developing an intentional client experience. Our guest today is Angie Herbers, Managing Partner of Herbers and Company. Angie handles strategy management and innovation for independent advisory firms who desire to grow.  For full show notes and links mentioned in this episode, visit http://bmogam.com/betterconversations.

Clients looking for a new advisor or firm are faced with an overwhelming set of options. One way to set your practice apart is by giving a lot of thought to developing an intentional client experience. Our guest today is Angie Herbers, Managing Partner of Herbers and Company. Angie handles strategy management and innovation for independent advisory firms who desire to grow.  For full show notes and links mentioned in this episode, visit <a href="http://bmogam.com/betterconversations" rel="nofollow" target="_blank">http://bmogam.com/betterconversations</a>.

123 Building better client experiences

Referrals tend to have high conversion rates and lower costs, but often they seem a bit elusive and sometimes random. Is there a better, more consistent way to generate the right type of referrals for your business? Stacey Brown Randall joins us to discuss ways you can generate referrals without even asking for them, including a five-step outline that can be used to develop a formal referral plan. For full show notes and links mentioned in this episode, visit http://bmogam.com/betterconversations.

Referrals tend to have high conversion rates and lower costs, but often they seem a bit elusive and sometimes random. Is there a better, more consistent way to generate the right type of referrals for your business? Stacey Brown Randall joins us to discuss ways you can generate referrals without even asking for them, including a five-step outline that can be used to develop a formal referral plan. For full show notes and links mentioned in this episode, visit <a href="http://bmogam.com/betterconversations" rel="nofollow" target="_blank">http://bmogam.com/betterconversations</a>.

122 Referrals: The Holy Grail of Growth

As financial planning continues its evolution, there are many areas of nuanced expertise that are emerging to help clients successfully navigate the intersections of life and money. Advanced care planning is one of those areas where advisors and clients can plan with some certainty for a period of extreme uncertainty. Kim Fischer joins the podcast to discuss the importance of having a plan in place should a client not be able to make decisions about their health or care for themselves. She covers why the most powerful part of this planning happens at an emotional level when a client and their advocate come together with clarity about what is important to them. For full show notes and links mentioned in this episode, visit http://bmogam.com/betterconversations.

As financial planning continues its evolution, there are many areas of nuanced expertise that are emerging to help clients successfully navigate the intersections of life and money. Advanced care planning is one of those areas where advisors and clients can plan with some certainty for a period of extreme uncertainty. Kim Fischer joins the podcast to discuss the importance of having a plan in place should a client not be able to make decisions about their health or care for themselves. She covers why the most powerful part of this planning happens at an emotional level when a client and their advocate come together with clarity about what is important to them. For full show notes and links mentioned in this episode, visit <a href="http://bmogam.com/betterconversations" rel="nofollow" target="_blank">http://bmogam.com/betterconversations</a>.

121 Intersecting life and money: Advanced care planning

Before last year's COVID-19 pandemic, we would hear about advisors getting together with some clients and prospects for arts or charity projects, or even hosting a wine tasting. But unfortunately, the pandemic made many of these events virtually impossible to hold as this new normal really shifted things. Samantha Russell joins the podcast to discuss what it might look like to return to in-person events in a post-COVID era. Plus, she discusses the notable advantages that moving some of these events permanently into a virtual format may have on your practice. For full show notes and links mentioned in this episode, visit http://bmogam.com/betterconversations.

Before last year's COVID-19 pandemic, we would hear about advisors getting together with some clients and prospects for arts or charity projects, or even hosting a wine tasting. But unfortunately, the pandemic made many of these events virtually impossible to hold as this new normal really shifted things. Samantha Russell joins the podcast to discuss what it might look like to return to in-person events in a post-COVID era. Plus, she discusses the notable advantages that moving some of these events permanently into a virtual format may have on your practice. For full show notes and links mentioned in this episode, visit <a href="http://bmogam.com/betterconversations" rel="nofollow" target="_blank">http://bmogam.com/betterconversations</a>.

120 Advisor sponsored events in a post-pandemic world

Alternative assets, such as cryptocurrencies, art, private equity and more, have seen a surge in press coverage over the past decade, to the point that many of these alternative investments have become more mainstream than ever before. Tom Kurinsky of Millenium Trust joins us to discuss the ins and outs of holding these alternative assets in IRAs and how you can advise your clients on integrating these investments into their portfolios. For full show notes and links mentioned in this episode, visit http://bmogam.com/betterconversations.

Alternative assets, such as cryptocurrencies, art, private equity and more, have seen a surge in press coverage over the past decade, to the point that many of these alternative investments have become more mainstream than ever before. Tom Kurinsky of Millenium Trust joins us to discuss the ins and outs of holding these alternative assets in IRAs and how you can advise your clients on integrating these investments into their portfolios. For full show notes and links mentioned in this episode, visit <a href="http://bmogam.com/betterconversations" rel="nofollow" target="_blank">http://bmogam.com/betterconversations</a>.

119 Can I invest my IRA in this?

In today’s environment, financial advisors are faced with many challenging conversations that meet at the intersection of money and emotions.  Enter Better conversations. Better outcomes., presented by BMO Global Asset Management.  This podcast seeks to enhance advisor conversations by exploring topics relevant to today’s trusted advisors.  Ben D. Jones and Emily Larsen interview experts covering wealth advising from every angle and provide ideas for client engagement, portfolios and practice management that can be put into action today.  Make your next conversation a better conversation.  Learn more at bmogam.com/betterconversations.

This is my go to podcast for ideas to improve my business and help my clients.

My favorite

Great content, variety of topics, and delivery!

Worth listening!

In today’s environment, financial advisors are faced with many challenging conversations that meet at the intersection of money and emotions. Enter Better conversations. Better outcomes., presented by BMO Global Asset Management. This podcast seeks to enhance advisor conversations by exploring topics relevant to today’s trusted advisors. Ben D. Jones and Emily Larsen interview experts covering wealth advising from every angle and provide ideas for client engagement, portfolios and practice management that can be put into action today. Make your next conversation a better conversation. Learn more at <a href="http://bmogam.com/betterconversations" rel="nofollow" target="_blank">bmogam.com/betterconversations</a>.

Better conversations. Better outcomes. | Presented by BMO Global Asset Management

This is the second of four episodes over the year where we’ll explore the “money mindset” of some unique groups that advisors serve. When most people think of millennials, they think of digital natives who spend their money on travel and love avocado toast. But there are also a lot of misconceptions about this demographic, including how they view money. While their financial needs may differ from baby boomers, the premise is the same: How do we make sure you’re financially secure in the long run while still maintaining a lifestyle that makes you happy. In this episode, we’re joined by two advisors, Eric Roberge of Beyond Your Hammock and Shannon Lee Simmons of New School of Finance, to discuss the ways that they cater to millennials and how you can integrate this group into your client mix. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/money-mindset-advising-millennials/.

This is the second of four episodes over the year where we’ll explore the “money mindset” of some unique groups that advisors serve. When most people think of millennials, they think of digital natives who spend their money on travel and love avocado toast. But there are also a lot of misconceptions about this demographic, including how they view money. While their financial needs may differ from baby boomers, the premise is the same: How do we make sure you’re financially secure in the long run while still maintaining a lifestyle that makes you happy. In this episode, we’re joined by two advisors, Eric Roberge of Beyond Your Hammock and Shannon Lee Simmons of New School of Finance, to discuss the ways that they cater to millennials and how you can integrate this group into your client mix. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/money-mindset-advising-millennials/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/money-mindset-advising-millennials/</a>.

51 Money mindset: Advising millennials

Steve Moore

In part 1 of our miniseries on building an effective practice, Steve Moore discusses the seven habits in his book, Ineffective Habits of Financial Advisors and the Disciplines to Break Them. Matt Smith guides an overview of these seven habits with Steve, while in subsequent episodes of the miniseries they’ll go into detail on each of the seven habits. They also discuss Steve’s career as an internationally recognized consultant to financial advisors, and the unique path he has taken to get there. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/building-an-effective-practice/. 

In part 1 of our miniseries on building an effective practice, Steve Moore discusses the seven habits in his book, Ineffective Habits of Financial Advisors and the Disciplines to Break Them. Matt Smith guides an overview of these seven habits with Steve, while in subsequent episodes of the miniseries they’ll go into detail on each of the seven habits. They also discuss Steve’s career as an internationally recognized consultant to financial advisors, and the unique path he has taken to get there. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/building-an-effective-practice/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/building-an-effective-practice/</a>.

Building an effective practice featuring Steve Moore

For some people, talking about money can be a frightening task. But being more open about money with spouses and family members – and financial advisors, too – can lead to better outcomes for all parties. Kathleen Burns Kingsbury, a wealth psychology expert and author of Breaking Money Silence, joins the podcast to discuss how advisors can dispel some common myths that clients believe about money. Plus, she shares tips on how to open up a dialogue with clients who may be hesitant to talk about their finances. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/the-delicacy-of-dialogue-helping-clients-talk-openly-about-money/.

For some people, talking about money can be a frightening task. But being more open about money with spouses and family members – and financial advisors, too – can lead to better outcomes for all parties. Kathleen Burns Kingsbury, a wealth psychology expert and author of Breaking Money Silence, joins the podcast to discuss how advisors can dispel some common myths that clients believe about money. Plus, she shares tips on how to open up a dialogue with clients who may be hesitant to talk about their finances. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/the-delicacy-of-dialogue-helping-clients-talk-openly-about-money/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/the-delicacy-of-dialogue-helping-clients-talk-openly-about-money/</a>.

69 The delicacy of dialogue: Helping clients talk openly about money

Objection handling is a communication skill that many financial advisors struggle with – whether it’s with recommendations for existing clients or prospective clients dragging their feet. How do you put established habits and status quo bias aside to overcome objections in your practice? Our guest in this episode stresses the importance of emotional intelligence. Sarano Kelley, author and co-founder of The Kelley Group, joins the podcast to discuss the communication techniques you can use to overcome objections. Plus, Sarano shares his process of asking for referrals, something that often feels a bit uncomfortable to do. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/overcoming-client-objections/.

Objection handling is a communication skill that many financial advisors struggle with – whether it’s with recommendations for existing clients or prospective clients dragging their feet. How do you put established habits and status quo bias aside to overcome objections in your practice? Our guest in this episode stresses the importance of emotional intelligence. Sarano Kelley, author and co-founder of The Kelley Group, joins the podcast to discuss the communication techniques you can use to overcome objections. Plus, Sarano shares his process of asking for referrals, something that often feels a bit uncomfortable to do. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/overcoming-client-objections/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/overcoming-client-objections/</a>.

61 Overcoming client objections

In this episode, we explore strategies for building an effective pipeline system and improving your client acquisition efforts. Our guest is Michael Salmon, founder of Salmon Academy and author of Winning More Business in Financial Services. He shares the concrete, actionable steps that you can take today to overcome your hurdles to growth, including the five strategies to meet your client acquisition goals and the importance of building and managing your pipeline. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/power-of-the-pipeline-client-acquisition-strategies-to-grow-your-practice/.

In this episode, we explore strategies for building an effective pipeline system and improving your client acquisition efforts. Our guest is Michael Salmon, founder of Salmon Academy and author of Winning More Business in Financial Services. He shares the concrete, actionable steps that you can take today to overcome your hurdles to growth, including the five strategies to meet your client acquisition goals and the importance of building and managing your pipeline. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/power-of-the-pipeline-client-acquisition-strategies-to-grow-your-practice/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/power-of-the-pipeline-client-acquisition-strategies-to-grow-your-practice/</a>.

78 Power of the pipeline: Client acquisitions strategies to grow your practice

Telling your story and creating your message; these are important “big picture” parts of any advising business. But have you spent time intentionally crafting your story? Having a message that connects with people, that helps them understand what you do, why you do it, and why you’re good at it is crucial to building your business. Today on the show we’re talking to Jack Cramer, a consultant and founder of Cramer and Associates. Jack works with banks, broker-dealers, insurance companies and mutual fund companies to develop training to maximize efforts of advisors, brokers, sales managers, and more. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/telling-your-story-components-to-creating-a-compelling-message/. 

Telling your story and creating your message; these are important “big picture” parts of any advising business. But have you spent time intentionally crafting your story? Having a message that connects with people, that helps them understand what you do, why you do it, and why you’re good at it is crucial to building your business. Today on the show we’re talking to Jack Cramer, a consultant and founder of Cramer and Associates. Jack works with banks, broker-dealers, insurance companies and mutual fund companies to develop training to maximize efforts of advisors, brokers, sales managers, and more. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/telling-your-story-components-to-creating-a-compelling-message/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/telling-your-story-components-to-creating-a-compelling-message/</a>.

4 Telling your story: components to creating a compelling message

Traditional economic theory tells us that humans are generally rational beings and that they make decisions from an optimal perspective. But behavioral economic theory takes into account what we know to be true: that humans are emotional and social beings. What is it, and how does it affect the mindsets of your clients?  We’re joined by Melaina Vinski, a Behavioral Economics Lead for PricewaterhouseCoopers in Canada, to discuss how the concept affects the investment decision-making process and how advisors can use a client’s biases to lead better conversations. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/money-mindset-using-behavioral-economics-to-help-investors-succeed/.

Traditional economic theory tells us that humans are generally rational beings and that they make decisions from an optimal perspective. But behavioral economic theory takes into account what we know to be true: that humans are emotional and social beings. What is it, and how does it affect the mindsets of your clients?  We’re joined by Melaina Vinski, a Behavioral Economics Lead for PricewaterhouseCoopers in Canada, to discuss how the concept affects the investment decision-making process and how advisors can use a client’s biases to lead better conversations. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/money-mindset-using-behavioral-economics-to-help-investors-succeed/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/money-mindset-using-behavioral-economics-to-help-investors-succeed/</a>.

56 Money mindset: Using behavioral economics to help investors succeed

The average household is managing nine accounts as they head towards retirement. Many participants are busy dealing with life’s complexities; they don’t have the will, skill or time to manage their retirement accounts, yet they want to know that they can reach their goals based on their specific circumstances. This is where plan sponsors and their advisors can offer managed accounts as a menu option for employees looking for a “do-it-with-me” solution. We’re joined in this episode by Lorianne Pannozzo, Senior Vice President at Fidelity Workplace Solutions, to discuss the evolution of digital advice in corporate sponsored retirement plans. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/complex-situations-personalized-approaches-managed-accounts/.

The average household is managing nine accounts as they head towards retirement. Many participants are busy dealing with life’s complexities; they don’t have the will, skill or time to manage their retirement accounts, yet they want to know that they can reach their goals based on their specific circumstances. This is where plan sponsors and their advisors can offer managed accounts as a menu option for employees looking for a “do-it-with-me” solution. We’re joined in this episode by Lorianne Pannozzo, Senior Vice President at Fidelity Workplace Solutions, to discuss the evolution of digital advice in corporate sponsored retirement plans. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/complex-situations-personalized-approaches-managed-accounts/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/complex-situations-personalized-approaches-managed-accounts/</a>.

46 Complex situations, personalized approaches: Managed accounts

Status quo can be a hard thing to break away from. For one advisor, it was a life event that turned into a springboard for transformation. In today’s episode, Andy Hart and Julia Carlson join Ben Jones for a special fireside chat. Hear how Julia broke out to build a thriving practice and how she has translated her vision into reality. You will hear several actionable strategies from both guests that you may want to leverage as you charge into 2020 and beyond. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/how-one-advisor-transformed-her-business-off-a-life-event/.

Status quo can be a hard thing to break away from. For one advisor, it was a life event that turned into a springboard for transformation. In today’s episode, Andy Hart and Julia Carlson join Ben Jones for a special fireside chat. Hear how Julia broke out to build a thriving practice and how she has translated her vision into reality. You will hear several actionable strategies from both guests that you may want to leverage as you charge into 2020 and beyond. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/how-one-advisor-transformed-her-business-off-a-life-event/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/how-one-advisor-transformed-her-business-off-a-life-event/</a>.

95 How one advisor transformed her business off a life event

On December 22, 2017, President Trump signed the much debated tax reform bill into law. Its impact will undoubtedly reach all corners of the wealth management industry – for individuals and corporations alike – but how are advisors and clients preparing for the changes? In this episode, we break down the new tax code from multiple angles with Mike Barry, President of Plan Advisory Services, and Marc Van Bell, Product Specialist, Municipal Fixed Income at BMO Global Asset Management. Mike joins the podcast to discuss tax reform’s effect on retirement plans, while Marc discusses the impact on municipal fixed income markets. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/deciphering-tax-reform-takeaways-for-advisors/.

On December 22, 2017, President Trump signed the much debated tax reform bill into law. Its impact will undoubtedly reach all corners of the wealth management industry – for individuals and corporations alike – but how are advisors and clients preparing for the changes? In this episode, we break down the new tax code from multiple angles with Mike Barry, President of Plan Advisory Services, and Marc Van Bell, Product Specialist, Municipal Fixed Income at BMO Global Asset Management. Mike joins the podcast to discuss tax reform’s effect on retirement plans, while Marc discusses the impact on municipal fixed income markets. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/deciphering-tax-reform-takeaways-for-advisors/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/deciphering-tax-reform-takeaways-for-advisors/</a>.

45 Deciphering tax reform: Takeaways for advisors

This is the first of four episodes over the year where we’ll explore the “money mindset” of some unique groups that advisors serve. In this episode, our discussion focuses on a large and growing demographic: middle-aged people who find themselves “suddenly single” after years, if not decades, of marriage. “Suddenly single” commonly occurs through widowhood or divorce, but no matter the cause, the demographic presents unique challenges and considerations. We’re joined by returning guest and Life Transition Expert Dr. Amy D’Aprix to help advisors navigate this emotional life event and keep their clients’ financial plans on track. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/money-mindset-suddenly-single/.

This is the first of four episodes over the year where we’ll explore the “money mindset” of some unique groups that advisors serve. In this episode, our discussion focuses on a large and growing demographic: middle-aged people who find themselves “suddenly single” after years, if not decades, of marriage. “Suddenly single” commonly occurs through widowhood or divorce, but no matter the cause, the demographic presents unique challenges and considerations. We’re joined by returning guest and Life Transition Expert Dr. Amy D’Aprix to help advisors navigate this emotional life event and keep their clients’ financial plans on track. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/money-mindset-suddenly-single/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/money-mindset-suddenly-single/</a>.

49 Money mindset: Suddenly single

On November 21, 2017, BMO Global Asset Management released the 2018 Global Investment Forum: Five-Year Outlook, the final product of a two day forum held with a group of BMO’s international investment leaders and strategists and additional external speakers. Jon Adams, CFA®, Senior Investment Strategist &amp; Portfolio Manager at BMO Global Asset Management, attended and contributed to this year’s forum and outlook, held in Toronto. Jon joins the Better conversations. Better outcomes. podcast to discuss the importance of the forum, the three scenarios that could drive markets in the next five years and what each could mean for investors and portfolio positioning. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/looking-ahead-2018-five-year-outlook/.

On November 21, 2017, BMO Global Asset Management released the 2018 Global Investment Forum: Five-Year Outlook, the final product of a two day forum held with a group of BMO’s international investment leaders and strategists and additional external speakers. Jon Adams, CFA®, Senior Investment Strategist &amp; Portfolio Manager at BMO Global Asset Management, attended and contributed to this year’s forum and outlook, held in Toronto. Jon joins the Better conversations. Better outcomes. podcast to discuss the importance of the forum, the three scenarios that could drive markets in the next five years and what each could mean for investors and portfolio positioning. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/looking-ahead-2018-five-year-outlook/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/looking-ahead-2018-five-year-outlook/</a>.

42 Looking ahead: 2018 Five-Year Outlook

Bernie Clark

The independent RIA channel has had sustained growth for over two decades. The desire for independence, innovative service models and transparency has fueled rapid growth.  Bernie Clark, Head of Schwab Advisor Services has been at the forefront of this evolution from a cottage business to over a 4 trillion dollar industry today. Bernie’s passion for helping independent advisors succeed in this space makes him the perfect person to share perspective and offer actionable advice for independent RIAs and those considering the move towards independence. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/forces-shaping-the-future-of-advice-with-schwabs-bernie-clark/.

The independent RIA channel has had sustained growth for over two decades. The desire for independence, innovative service models and transparency has fueled rapid growth.  Bernie Clark, Head of Schwab Advisor Services has been at the forefront of this evolution from a cottage business to over a 4 trillion dollar industry today. Bernie’s passion for helping independent advisors succeed in this space makes him the perfect person to share perspective and offer actionable advice for independent RIAs and those considering the move towards independence. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/forces-shaping-the-future-of-advice-with-schwabs-bernie-clark/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/forces-shaping-the-future-of-advice-with-schwabs-bernie-clark/</a><a href="http://bmogam.com/betterconversations" rel="nofollow" target="_blank">.</a>

92 Forces shaping the future of advice with Schwab’s Bernie Clark

Every fall, BMO brings together investment strategists, economists, and leaders from across the industry to develop a medium-term outlook on the global markets.  With topics ranging from decarbonization and climate change to globalization and the risk of a U.S. recession, the Global Investment Forum helps paint a comprehensive picture of what may drive your clients’ portfolios in the years ahead. Our guest is Mike Dowdall, Investment Strategist and Portfolio Manager with BMO’s Multi-Asset Solutions Team, based out of Chicago. We discuss the key takeaways from this year’s forum and what we’ll be watching as we enter the new year. To view the report, go to https://www.bmogam.com/us-en/advisors/gif-2019/ For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/themes-from-the-2019-global-investment-forum/.

Every fall, BMO brings together investment strategists, economists, and leaders from across the industry to develop a medium-term outlook on the global markets.  With topics ranging from decarbonization and climate change to globalization and the risk of a U.S. recession, the Global Investment Forum helps paint a comprehensive picture of what may drive your clients’ portfolios in the years ahead. Our guest is Mike Dowdall, Investment Strategist and Portfolio Manager with BMO’s Multi-Asset Solutions Team, based out of Chicago. We discuss the key takeaways from this year’s forum and what we’ll be watching as we enter the new year. To view the report, go to <a href="https://www.bmogam.com/us-en/advisors/gif-2019/" rel="nofollow" target="_blank">https://www.bmogam.com/us-en/advisors/gif-2019/</a> For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/themes-from-the-2019-global-investment-forum/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/themes-from-the-2019-global-investment-forum/</a>.

94 Themes from the 2019 Global Investment Forum

Many mutual funds provide investors the potential for added return by loaning the underlying stocks, bonds and other securities in the fund. The added revenue from these activities can make a difference in a fund’s return, but the concept of securities lending is often misunderstood. Chris Kunkle, Head of Securities Lending at BMO Global Asset Management, joins the podcast to explain securities lending, how it benefits investors and what advisors should know. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/behind-the-curtain-securities-lending-in-mutual-funds/.

Many mutual funds provide investors the potential for added return by loaning the underlying stocks, bonds and other securities in the fund. The added revenue from these activities can make a difference in a fund’s return, but the concept of securities lending is often misunderstood. Chris Kunkle, Head of Securities Lending at BMO Global Asset Management, joins the podcast to explain securities lending, how it benefits investors and what advisors should know. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/behind-the-curtain-securities-lending-in-mutual-funds/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/behind-the-curtain-securities-lending-in-mutual-funds/</a>.

58 Behind the curtain: Securities lending in mutual funds

An art museum – just like a financial advisory practice – is a place where perspective, technique and creativity are respected. And this year, we had many guests on our show that brought new perspectives and creative ideas for growing your business. To recap our 2018 episodes, Emily and Ben guide us through the three different galleries that each showcase ideas that can help you propel your practice and provide better outcomes to clients in the new year. A special thank you to all of the guests that joined us on the show this year: Mike Barry, Marc Van Bell, Lorianne Pannozzo, David Corris, Christopher Jenks, Rick Unser, Dr. Amy D'Aprix, Ben Apfel, Eric Roberge, Shannon Lee Simmons, Brenda Campbell, Jim Fisher, Linda Shick, Hyman Darling, J.D. Carlson, Melaina Vinski, Irina Pacheco, Michael Swope, Christopher Kunkle, Erik Rubingh, Daniela Mardarovici, Adam Phillips, Janelle Woodward, Sarano Kelley, Brian Doherty, Colleen Stanley, Peter Stahl, Kevin Bourke, Jon Adams, Susanna Poon and Kathleen Burns Kingsbury. Your insights and knowledge helped financial advisors across North America and beyond have better conversations and provide better outcomes. Thank you. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/the-better-conversations-collection-a-tour-of-some-of-the-best-ideas-from-2018/.

An art museum – just like a financial advisory practice – is a place where perspective, technique and creativity are respected. And this year, we had many guests on our show that brought new perspectives and creative ideas for growing your business. To recap our 2018 episodes, Emily and Ben guide us through the three different galleries that each showcase ideas that can help you propel your practice and provide better outcomes to clients in the new year. A special thank you to all of the guests that joined us on the show this year: Mike Barry, Marc Van Bell, Lorianne Pannozzo, David Corris, Christopher Jenks, Rick Unser, Dr. Amy D'Aprix, Ben Apfel, Eric Roberge, Shannon Lee Simmons, Brenda Campbell, Jim Fisher, Linda Shick, Hyman Darling, J.D. Carlson, Melaina Vinski, Irina Pacheco, Michael Swope, Christopher Kunkle, Erik Rubingh, Daniela Mardarovici, Adam Phillips, Janelle Woodward, Sarano Kelley, Brian Doherty, Colleen Stanley, Peter Stahl, Kevin Bourke, Jon Adams, Susanna Poon and Kathleen Burns Kingsbury. Your insights and knowledge helped financial advisors across North America and beyond have better conversations and provide better outcomes. Thank you. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/the-better-conversations-collection-a-tour-of-some-of-the-best-ideas-from-2018/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/the-better-conversations-collection-a-tour-of-some-of-the-best-ideas-from-2018/</a>.

70 The Better Conversations Collection: A tour of some of the best ideas from 2018

This is the first in a series of episodes in 2018 where we will take you “in the trenches” with financial advisors that are using different modern media strategies to build their businesses. A couple years ago, Rick Unser and his team needed to find a better new business acquisition strategy. After reviewing their current marketing strategy, he aimed to find new, unique ways to develop a long-term exponential growth strategy for his practice. He settled on podcasting and, after 100 episodes, it has turned into much more than just a growth strategy. In today’s episode, we take you “in the trenches” with Rick to talk about his experiences on the podcast, titled 401(k) Fridays, along with details on how other financial advisors can identify a unique marketing strategy for their business. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/modern-marketing-how-one-financial-advisors-podcast-created-surprising-results/.

This is the first in a series of episodes in 2018 where we will take you “in the trenches” with financial advisors that are using different modern media strategies to build their businesses. A couple years ago, Rick Unser and his team needed to find a better new business acquisition strategy. After reviewing their current marketing strategy, he aimed to find new, unique ways to develop a long-term exponential growth strategy for his practice. He settled on podcasting and, after 100 episodes, it has turned into much more than just a growth strategy. In today’s episode, we take you “in the trenches” with Rick to talk about his experiences on the podcast, titled 401(k) Fridays, along with details on how other financial advisors can identify a unique marketing strategy for their business. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/modern-marketing-how-one-financial-advisors-podcast-created-surprising-results/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/modern-marketing-how-one-financial-advisors-podcast-created-surprising-results/</a>.

48 Modern marketing: How one financial advisor’s podcast created surprising results

With the cost of health care steadily rising across America, planning for this expense has become a focal point in many financial plans. Investors and their advisors are turning to HSAs, or health savings accounts, and their tax benefits to address the specific cost in retirement. Peter Stahl, author of Top of the First: The Convergence of Healthcare and Financial Planning, joins the podcast to discuss the use of health savings accounts as a tax-advantaged savings and investment account for healthcare expenses. In addition, he discusses how you, as an advisor, can help put these strategies to work for your clients. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/health-savings-accounts-a-strategic-retirement-tool/.

With the cost of health care steadily rising across America, planning for this expense has become a focal point in many financial plans. Investors and their advisors are turning to HSAs, or health savings accounts, and their tax benefits to address the specific cost in retirement. Peter Stahl, author of Top of the First: The Convergence of Healthcare and Financial Planning, joins the podcast to discuss the use of health savings accounts as a tax-advantaged savings and investment account for healthcare expenses. In addition, he discusses how you, as an advisor, can help put these strategies to work for your clients. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/health-savings-accounts-a-strategic-retirement-tool/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/health-savings-accounts-a-strategic-retirement-tool/</a>.

64 Health savings accounts: A strategic retirement tool?

Our guests in 2019 came armed with invaluable lessons for your practice and your clients alike. If you’re new to the podcast or simply looking for some inspiration, this episode should act as a great refresher to jump start ideas as we enter 2020. We’re joined by four BMO colleagues who work with financial advisors on a daily basis. Together, they share the information and ideas that stuck with them – and the advisors they work with – long after they listened to the show. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/best-of-2019-actionable-ideas-to-take-into-the-new-decade/.

Our guests in 2019 came armed with invaluable lessons for your practice and your clients alike. If you’re new to the podcast or simply looking for some inspiration, this episode should act as a great refresher to jump start ideas as we enter 2020. We’re joined by four BMO colleagues who work with financial advisors on a daily basis. Together, they share the information and ideas that stuck with them – and the advisors they work with – long after they listened to the show. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/best-of-2019-actionable-ideas-to-take-into-the-new-decade/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/best-of-2019-actionable-ideas-to-take-into-the-new-decade/</a>.

96 Best of 2019: Actionable ideas to take into the new decade

A large part of what we do as financial advisors is helping people plan ahead so that they can be financially stable and successful for the rest of their lives. For many of our clients, retirement will be a big span of their future. In this episode we’re talking to Steve Williams, the Head of Financial Planning in the U.S. at BMO Private Bank, about how to help your clients create a game plan for their retirement. Listen in to learn how to approach the aspect of retirement from every angle, not just financially. For full show notes and links mentioned in this episode, visit  https://www.bmogam.com/us-en/advisors/news-and-insights/creating-a-clients-retirement-game-plan/.

A large part of what we do as financial advisors is helping people plan ahead so that they can be financially stable and successful for the rest of their lives. For many of our clients, retirement will be a big span of their future. In this episode we’re talking to Steve Williams, the Head of Financial Planning in the U.S. at BMO Private Bank, about how to help your clients create a game plan for their retirement. Listen in to learn how to approach the aspect of retirement from every angle, not just financially. For full show notes and links mentioned in this episode, visit <a href="https://www.bmogam.com/us-en/advisors/news-and-insights/creating-a-clients-retirement-game-plan/" rel="nofollow" target="_blank"> https://www.bmogam.com/us-en/advisors/news-and-insights/creating-a-clients-retirement-game-plan/</a>.

5 Creating a client's retirement game plan

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