Advertise on podcast: FinancialPodcast.CA: Interviewing Professionals

1) What is a personal trust? 2) Why use a personal trust? 3) The parties involved in a personal trust. 4) What is a testamentary trust? 5) How a testamentary trust can be used. 6) What is an inter vivos trust? 7) How an inter vivos trust can be used. 8) How a financial advisor can speak to a client about trusts. Guest: Shannon James, Associate Carscallen LLP Shannon is an Associate with Carscallen LLP in Calgary. Shannon has represented clients in a variety of estate, trust and incapacity matters including the roles and duties of executors, trustees, guardians, attorneys and agents. She has also been involved with the interpretation and validity of wills, the removal and replacement of personal representatives and trustees, and the interpretation, variation, and termination of trusts. Shannon is a member of the Law Society of Alberta, the Society of Trust and Estate Practitioners (STEP), the Canadian Tax Foundation (CTF), the Canadian Bar Association, and the Calgary Bar Association. Contact: Centrium Place 900, 332 6 Avenue SW Calgary, Alberta T2P 0B2 Phone: (403) 298-8445 Fax: (403) 262-2952 Email: [email protected] Website: www.carscallen.com

1) What is a funeral? 2) A public funeral or a private funeral. 3) The purpose of a funeral home. 4) The services a funeral home provides. 5) Documentation involved with a funeral. 6) The costs associated with a funeral. 7) The benefits of a pre-arranged funeral. 8) How a financial advisor can help their clients prepare. Guest: Kathy Cloutier Kathy Cloutier has been a funeral director with McInnis and Holloway Funeral Homes for many years and is currently the Community Relations manager. Kathy began her career in the funeral business after her own profound grief of being widowed at a young age. Kathy considers it a privilege to serve people at a very difficult time. Contact Information: [email protected] www.mhfh.com (403) 241-0044

1) Is a hand written letter a holograph will? 2) Challenges against the executor. 3) Being clear as to what “grandchildren” means. 4) The death of a business owner. 5) Common disaster scenario. Guest: Paul E. Reid, Partner at Carscallen LLP in Calgary, Alberta. Paul has litigation practice focused primarily on wills, trusts, and estate litigation. Paul also has a busy commercial litigation practice and a passion for Indigenous law. Paul has represented both individuals and financial institutions in the Court of Queen’s Bench Alberta and the Court of Appeal of Alberta in estate matters involving the removal and replacement of Personal Representatives, Guardians and Trustees, as well as in matters of Will and Trust interpretation, the validity of holograph wills, compensation for Personal Representatives and Trustees, beneficiary designations, breach of trust allegations, challenges to inter vivos gifts, Dependent Support and Relief claims, Family Maintenance and Support claims and creditors’ claims against estates. Paul has argued applications for the re-sealing of foreign grants, the conveyancing of real property, and the completion of distributions to beneficiaries. Paul provides advice to Trustees and Guardians of represented adults. Paul advises clients on issues arising under Personal Directives and Enduring Powers of Attorney. Paul has appeared before all levels of court in Alberta, British Columbia, and Federal Court, in addition to various regulatory boards. Contact Information: Centrium Place 900, 332 6 Avenue SW Calgary, Alberta T2P 0B2 Phone: (403) 298-9281 Fax: (403) 262-2952 Email: [email protected] Website: www.carscallen.com

- What is a Power of Attorney? - Why have a Power of Attorney? - What if there is no Power of Attorney in place? - What does a bank’s Power of Attorney do? - Coercion and Powers of Attorney. - Examples of misuse of a Power of Attorney. Guest: Jennifer Lamb. Jennifer is a partner with Calgary law firm Carscallen LLP. Jennifer has helped clients in a variety of estate matters including the preparation of wills, powers of attorney, and personal directives. She has also provided advice on the role of executor, guardianship, and trustee. Jennifer has dealt with many estate planning matters regarding the interpretation and validity of wills and beneficiary designations, breach of trust allegations, the removal and replacement of executors and creditor’s claims against an estate. Jennifer is a member of the Law Society of Alberta, the Canadian Bar Association, the Calgary Bar Association and the Estate Planning Council of Calgary. Contact: Jennifer R. Lamb, Carscallen LLP. Centrium Place 900, 332 6 Avenue SW Calgary, Alberta T2P 0B2 Phone: (403) 298-8455 Fax: (403) 262-2952 Email: [email protected] Website: www.carscallen.com

1) Role of Executor. 2) Selection of Executor. 3) Compensation of Executor. 4) Protection of Executor. 5) Testamentary Trusts. 6) Guardians. 7) Investment Powers of Trustee. Guest: Jonathan Ng. Jonathan practices at Underwood Gilholme Estate Lawyers, a group that works exclusively in estate matters. He assists clients in the preparation of wills, enduring powers of attorney, personal directives, and trusts.  He also advises executors and attorneys on the administration of estates.  Jonathan is experienced in Court applications for grants of probate and administration, and has appeared before the Court on the validation of non-compliant wills and family maintenance and support. Over the past several years, Jonathan has provided seminars at the Kerby Centre, the Canadian Association of Gift Planners, and various financial institutions.  He has appeared on CBC Radio to discuss the importance of having a Will and other estate topics.  Jonathan is a member of the Canadian Bar Association South Alberta Wills and Trusts Section and the Estate Planning Council of Calgary. Contact: Underwood Gilholme Estate Lawyers Phone  (403) 288-8855 Email     [email protected]

1) Why Have a Will? 2) Will Terminology. 3) Types of Wills. 4) Marriage and Divorce. 5) Assets outside Home Jurisdiction. 6) Financial Planners and Wills. Guest: Jonathan Ng. Jonathan practices at Underwood Gilholme Estate Lawyers, a group that works exclusively in estate matters. He assists clients in the preparation of wills, enduring powers of attorney, personal directives, and trusts.  He also advises executors and attorneys on the administration of estates.  Jonathan is experienced in Court applications for grants of probate and administration, and has appeared before the Court on the validation of non-compliant wills and family maintenance and support. Over the past several years, Jonathan has provided seminars at the Kerby Centre, the Canadian Association of Gift Planners, and various financial institutions.  He has appeared on CBC Radio to discuss the importance of having a Will and other estate topics.  Jonathan is a member of the Canadian Bar Association South Alberta Wills and Trusts Section and the Estate Planning Council of Calgary. Contact: Underwood Gilholme Estate Lawyers Phone  (403) 288-8855 Email     [email protected]

1) What is a business coach? 2) How is a business coach different from an employee’s manager? 3) How is a business coach different from an accountability partner? 4) Why reading books alone may not be enough. 5) Knowing your clients business. 6) Where to start in the coaching process. 7) Helping clients change their thinking. 8) How coaching can help in different situations. Guests: Michelle Neustaedter. Michelle is an entrepreneur whose goal it is to help others succeed. She is a mother of 4 and has been growing people for the last 10 years. Michelle holds a master's degree in Psychology and is certified as a counsellor (CCPA), coach (JMT), and trainer (JMT). During the course of her career, she has walked with people through some of their toughest times. She has been invited into people's most private moments and has had the privilege of seeing significant success and change. Having been through her own series of challenges, both personal and professional, she is able to better understand some of the difficulties companies and individuals can face. She brings the fruit of her training, extensive study and reflection, and life experience to her work. Contact: P: 403.679.2683 | E: [email protected] Schedule a consult at www.schedulicity.com/scheduling/EESEAA Podcast: motivation moments with Michelle Blog: https://livethefulfilledlife.wordpress.com/

1) Explore the difficulty of recruiting women into this field. 2) How much does history have an impact on this challenge? 3) How do we balance the numbers going forward? Guests: Meghan Vallis, VP for Western Canada for Equitable Life; Libby Wildman, partner at Davis Rea Ltd. Meghan Vallis As the Group Sales Vice President for Western Canada at Equitable Life Meghan Vallis leads the Western sales team. She is passionate about helping Advisors succeed to transform their client’s employee benefit experience to what Meghan calls braggable benefits. Her 15-year career has been centered around three pillars: building meaningful relationships, embracing innovative technology and solutions, and harnessing the potential in others to achieve strategic goals while also supporting them as an individual. https://www.equitable.ca/ Libby Wildman Libby Wildman, is a partner of Davis Rea Ltd. and creator of Liminal Escapes. Libby’s approach to building a business in the financial services industry is centered around the whole person and creating a relationship with them. She has been in this business for over 3 decades and has mentored many and involved in a number of charities. https://davisrea.com/

1. The beginning of Trufla. 2. Helping brokers to be found on the internet. 3. Setting a broker up for success. 4. Increasing efficiency with technology. 5. Why Egypt? Guest: Sherif Gemayel Sherif is an entrepreneur who is passionate about disrupting the traditional way insurance is done. He uses trends from other industries to help navigate through this unchartered territory, which has led him to build one of the most innovative brokerages in Canada; Sharp Insurance. The knowledge and firsthand experience he has gleaned from Sharp Insurance inspired him to launch Trufla Technology which provides brokers with a complete digital transformation solution their brokerages. Contact: LinkedIn: @sherifgemayel Email: [email protected] Website: https://www.trufla.com/

1) Why to always go above and beyond. 2) 17 tips for building your business (some are): - Enjoy yourself; - Your word is your bond; - Your to-do list; - Respect your competitors. Guest: Joel Cadesky Joel was born and lived in Owen Sound Ont until he went to University of Guelph where he graduated with a general BA with a sociology major. He continued his education by going to teacher's college at Western University and then taught for several years in Aylmer, Ontario. In 1978 Joel started a new career in the insurance industry and moved his family to Toronto. Joel has successfully built his business and career and continues to sell group benefits and also individual products such as life insurance, mortgage insurance, income replacement insurance and critical illness insurance to name a few. In his off time, he is an avid sports enthusiast watching baseball, hockey, basketball and golf on TV. He has an avid interest in watching the entertainment provided by Professional Wrestling- having been to 3 Wrestlemanias-#6,11 and 18. Contact Info: email: [email protected] phone: 416-414-0309

1) The creation of Canadian Group Insurance Brokers. 2) The importance of having a mentor. 3) Never stop asking questions. 4) Even one person can make lasting change. 5) Outsourcing tasks you're not strong in. 6) The advantages to specializing. Guest: Dave Patriarche-Employee Benefits Specialist, Association Founder, Educator & Bestselling author. Dave Patriarche founded Mainstay in 1996 to provide employee benefits to small business. A strong believer in continuing education in this area, he started a small networking group in 2003, which evolved into Canadian Group Insurance Brokers, an organization dedicated to supporting continuing education for the benefits industry. Dave is recognized as a leader in the benefits industry, a contributor to industry publications, a mentor and resource to benefit brokers and an active participant in industry think tank groups. Contact: Email: [email protected] Phone: (905) 886-9203 or 1-877-624-6789 Websites: https://www.mainstayinsurance.ca/, https://cgib.ca/, http://sellingbenefits.ca/

1) Discuss his book "Selling Benefits". 2) Selling Group Benefits to small and medium sized businesses. 3) When to walk away from a client. 4) Why rate shopping hurts the client. 5) The benefits of educating your clients. 6) The importance of storytelling. Guest: Dave Patriarche-Employee Benefits Specialist, Association Founder, Educator & Bestselling author. Dave Patriarche founded Mainstay in 1996 to provide employee benefits to small business. A strong believer in continuing education in this area, he started a small networking group in 2003, which evolved into Canadian Group Insurance Brokers, an organization dedicated to supporting continuing education for the benefits industry. Dave is recognized as a leader in the benefits industry, a contributor to industry publications, a mentor and resource to benefit brokers and an active participant in industry think tank groups. Contact: Email: [email protected] Phone: (905) 886-9203 or 1-877-624-6789 Websites: https://www.mainstayinsurance.ca/, https://cgib.ca/, http://sellingbenefits.ca/