Make Better Wealth Decisions: How Financial Advisor's Blind Spots Can Hurt Your Investments in a Rapidly Changing World

Have markets become disconnected from reality—or are investors correctly pricing in geopolitical shocks, high valuations, and a slow-growth global economy?In this episode, a veteran investment expert breaks down how today’s markets are being shaped by inflation pressures, geopolitical instability, and long-term structural shifts that many investors may be overlooking.You’ll learn how these forces interact and why traditional signals may no longer behave the way they used to.How war-driven supply shocks and inflation pressures can reshape global asset pricingWhy elevated valuations may signal weaker long-term returns, even if markets keep risingHow a “sclerotic” low-growth economy changes the rules for investing, diversification, and riskIf you want to understand what may actually be driving markets beneath the surface—and how to position yourself accordingly—this episode is essential listening.Worried about the current investment climate and your money?Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement:https://makebetterwealthdecisions.s.gy/podcastJohn De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

What happens to your portfolio when wars, energy shocks, and supply chain disruptions collide with global markets?Most investors are told to separate geopolitics from investing decisions — but current events in Ukraine, Iran, energy markets, and global trade may be proving otherwise. This episode explores why geopolitical instability could have much deeper consequences for inflation, capital markets, food prices, supply chains, and long-term wealth preservation than many financial professionals are willing to admit.In this episode, you’ll discover:How global conflicts and energy disruptions can directly impact your portfolio performanceWhy supply chain instability and inflation remain major risks for modern investing strategiesWhat historical crises can teach investors about protecting wealth during geopolitical uncertaintyTune in to learn how understanding geopolitics could help you make smarter investing decisions and better protect your portfolio in an increasingly unstable world.Worried about the current investment climate and your money?Go to https://makebetterwealthdecisions.s.gy/podcast to book a call for personalized advice to help you feel secure and protected about your retirement.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are you missing out on better returns by ignoring private markets?Most investors stick to stocks and bonds, but that approach may be limiting your true portfolio diversification. As markets become more correlated and volatility increases, understanding alternative investments and private markets is becoming essential for long-term wealth building.In this episode, you’ll discover:How private markets can improve risk-adjusted returns through long-term investingWhy alternative investments offer powerful diversification beyond traditional assetsThe truth about liquidity, gating, and whether these strategies actually fit your portfolioIf you want to build a more resilient portfolio and make smarter long-term decisions, this episode breaks down exactly how private markets and alternative investments can elevate your portfolio diversification.Check out Benjamin Sinclair's podcast: Beyond the Exchangewww.beyondtheexchange.ca.Worried about the current investment climate and your money?Go to johndegoey.ca to book a call for personalized advice to help you feel secure and protected about your retirement.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are markets really pricing in reality when global tensions are rising and uncertainty is everywhere?If you’ve been relying on the efficient market hypothesis to understand the stock market, recent events might feel confusing or even contradictory. With ongoing global conflict, supply chain disruptions, and inflation concerns, you’d expect markets to react differently—yet they continue climbing. This episode breaks down that disconnect and challenges long-held assumptions.In this episode, you’ll discover:Why the efficient market hypothesis may not fully explain today’s stock market behaviorHow global conflict and delayed information impact market reactionsA new way to think about uncertainty, expectations, and pricing in modern marketsListen now to rethink how the stock market really responds to global conflict—and what that means for your decisions.Worried about the current investment climate and your money?Go to johndegoey.ca to book a call for personalized advice to help you feel secure and protected about your retirement.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are your investment decisions being quietly influenced by the time of year more than actual market fundamentals?Seasonal changes, sleep disruption, and even your mood can subtly shape how you perceive risk and make financial decisions. This episode breaks down the surprising connection between seasonal investing, investor psychology, and market timing—revealing why markets don’t always behave as rationally as we assume.You’ll walk away understanding:How seasonal investing patterns influence risk tolerance and market behaviorWhy investor psychology shifts throughout the year—and how it affects your portfolioWhat market timing mistakes to avoid when emotions (not data) are driving decisionsListen now to learn how to make smarter, more consistent investment decisions—no matter the season.Know more about Mark Kamstra: https://www.markkamstra.com/Worried about the current investment climate and your money?Go to johndegoey.ca to book a call for personalized advice to help you feel secure and protected about your retirement.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.What should you actually do with your refund right after tax filing season ends?After another tax filing deadline, many people either scramble to submit last-minute paperwork or finally breathe once their refund hits—but most miss the opportunity to turn this moment into a financial reset instead of just another yearly cycle.In this episode, you’ll learn how to:Use your tax filing refund strategically to eliminate high-interest debt fasterReposition your money into RRSPs or TFSAs to strengthen long-term financial growthTurn the post-tax filing period into a “fresh start” system so next year feels organized, not chaoticListen to this episode to learn how to turn tax filing season into one of the most financially productive moments of your year.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are your investment decisions setting you up for a hidden trap that could stall your wealth for years?Most investors focus on returns, timing, and market outlook—but overlook how investor psychology shapes what happens after a downturn. This episode breaks down the concept of the net worth trap and why even sophisticated investors struggle to recover once they fall into it.Today we sit down with Goutham Gopalakrishna to understand how belief systems impact decision-making during crises. You’ll see why financial resilience matters more than chasing performance—especially in today’s uncertain market environment.In this episode, you’ll learn:How the net worth trap keeps investors stuck after losses—and why recovery is harder than you thinkThe surprising role investor psychology plays in both optimism and pessimism-driven mistakesHow to build true financial resilience so your portfolio can survive shocks and rebound fasterIf you want to protect your wealth and make smarter decisions when it matters most, this episode will change how you approach investing—press play now.Worried about the current investment climate and your money?Go to johndegoey.ca to book a call for personalized advice to help you feel secure and protected about your retirement.

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are you being subtly influenced by forward guidance without even realizing it?From central banks to portfolio managers, the same strategies are being used to shape how you think about markets, risk, and the future. When optimism bias enters the picture, it can either support better decisions—or quietly lead you in the wrong direction.In this episode, you’ll discover:How forward guidance is used to influence investor behavior and market confidenceThe hidden role optimism bias plays in your financial decision-makingWhy understanding the overlap between politics and portfolio managers can improve your outcomesListen now to uncover how these forces shape your financial future—and how to think more clearly in uncertain times.Worried about the current investment climate and your money?Go to johndegoey.ca to book a call for personalized advice to help you feel secure and protected about your retirement.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your Financeshttps://www.amazon.ca/Bullshift-Optimism-Bias-Threatens-Finances-ebook/dp/B09YWVQMN6STANDUP to the Financial Services Industryhttps://www.amazon.com/STANDUP-Financial-Services-Industry-Well-Intended-ebook/dp/B07R8WHCGMThe Professional Financial Advisor IVhttps://www.amazon.ca/Professional-Financial-Advisor-IV/dp/1554831733

Are your loved ones quietly making financial mistakes due to cognitive decline—and you don’t even realize it yet?For more resources on cognitive health and support, visit www.forbetterminds.comAs we age, our ability to make sound financial decisions changes, and with dementia, those changes can happen years before a diagnosis. Families often miss the early warning signs—until financial vulnerability becomes a serious problem.In this episode, Dr. Jill Aitken breaks down how dementia impacts financial decisions and what you can do right now to protect your family.You’ll learn:How to spot early warning signs of cognitive decline before major financial damage occursPractical strategies to reduce financial vulnerability and safeguard assetsThe critical steps to take now to protect dementia financial decisions before it’s too lateListen now to learn how to protect your family’s finances and stay ahead of cognitive decline before it turns into costly mistakes.Worried about the current investment climate and your money?Go to johndegoey.ca to book a call for personalized advice to help you feel secure and protected about your retirement.

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.What could Trump’s actions around the Strait of Hormuz really mean for your financial future?With rising geopolitical tension and potential disruption to one of the world’s most critical energy routes, the economic impact could be far greater than most investors expect. This episode unpacks what’s happening, why it matters, and how it could ripple through markets, inflation, and your portfolio.By listening, you’ll learn how to:Understand the real economic impact of potential disruptions in the Strait of HormuzIdentify how Trump’s actions could influence global energy supply and market stabilityPrepare your portfolio for increased volatility and uncertaintyListen now to better understand the potential impact of blocking the Strait of Hormuz before it hits the markets.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Worried about the current investment climate and your money?Go to johndegoey.ca to book a call for personalized advice to help you feel secure and protected about your retirement.Are your wealth decisions actually being held back by poor decision making—not lack of knowledge?Most people think better outcomes come from better information, but the truth is, without strong leadership and decision making, even the best strategies fall apart. This episode breaks down how top executives think, decide, and build trust—so you can apply those same principles to your financial life.In this episode, you’ll discover:How elite leaders define the right problem before making any wealth decisionsWhy surrounding yourself with the right people is the ultimate decision making advantageThe discipline framework that separates average choices from exceptional financial outcomesIf you want clearer thinking, stronger discipline, and smarter wealth decisions, this episode will change how you approach every major choice—start listening now.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Worried about the current investment climate and your money?Go to johndegoey.ca to book a call for personalized advice to help you feel secure and protected about your retirement.Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are you prepared for what happens if global markets shift overnight and your portfolio isn’t ready?We’re entering a moment where geopolitical tension, energy supply shocks, and trade disruptions could rapidly reshape the global economy. If your portfolio hasn’t been stress-tested for volatility, this kind of environment can expose serious risk.In this episode, you’ll discover:How escalating global conflict could drive inflation, oil spikes, and economic strainWhy traditional long-term strategies may fail during extreme market conditionsWhat steps you can take right now to reduce risk and protect your investmentsIf you want clarity on what’s unfolding—and how to respond strategically—this episode will help you act before the market does.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are your wealth decisions actually setting your family up for long-term success—or quietly creating risk?In today’s increasingly complex world, managing money isn’t just about investments anymore. From global uncertainty to tax implications and estate planning gaps, many people overlook the bigger picture—leaving critical decisions fragmented and exposed.In this episode, you’ll learn:How a family office approach brings clarity and coordination to your wealth decisionsThe hidden estate planning mistakes that can cost your family time, money, and stressWhy cash flow, taxes, and global risks matter more than ever in today’s environmentTune in to discover how to simplify your financial life and make more confident, future-proof wealth decisions with the right strategy in place.More about Tina Di Vito: https://www.ey.com/en_ca/people/tina-di-vitoJohn De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are rising interest rates about to turn your mortgage renewal into a financial squeeze—or a massive opportunity?The real estate market is shifting fast, and if you’re a homeowner or planning to buy, mortgage renewal could hit harder than expected. With interest rates climbing and economic uncertainty growing, what used to be a safe bet is now forcing people to rethink their strategy.In this episode, you’ll discover:How rising interest rates are directly impacting your mortgage renewal and home equityWhy the real estate market is softening after decades of growth—and what it means for youWhen this shift could become the best buying opportunity in years (and how to prepare)Listen now to understand where the real estate market is heading and how to stay ahead of mortgage renewal risks while positioning yourself for what’s next.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are you making the wrong moves with your portfolio as global uncertainty rises in 2026?With wars, inflation concerns, AI disruption, and volatile markets dominating headlines, it’s easy to feel overwhelmed. But reacting emotionally to short-term noise could be the biggest mistake you make when investing in uncertainty. In this episode, a 40-year investment veteran breaks down how to approach risk investing with clarity and discipline—so you can stay focused on long-term wealth decisions in 2026.In this episode, you’ll discover:How to approach risk investing without panic during geopolitical and market uncertaintyWhy AI, inflation, and interest rates aren’t as unpredictable as they seem when investing in uncertaintyThe role of gold, crypto, and diversification in making smarter wealth decisions in 2026If you want to cut through the noise and make smarter, more confident wealth decisions in 2026, this episode will give you the framework to do it.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are we heading straight into a global recession—and is global uncertainty being driven on purpose?Right now, the Trump doctrine is reshaping how power is used on the world stage, replacing stability with unpredictability. If you’re trying to make sense of rising geopolitical tension, economic instability, and why everything feels increasingly volatile, this episode connects the dots in a way most commentary avoids.In this episode, you’ll discover:How the Trump doctrine is intentionally fueling global uncertainty—and why that matters for your futureThe real reason a global recession may already be locked inWhat rising instability means for inflation, energy prices, and the broader global economyTune in to understand what’s actually happening behind the headlines—and how this era of global uncertainty could directly impact your financial future.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are you feeling more financial stress than usual—and wondering if it’s just you?In this episode, we break down the latest findings from FP Canada’s Financial Stress Index and uncover what’s really driving financial stress for Canadians in 2026—from rising living costs to economic uncertainty.You’ll hear how financial planning plays a critical role in reducing stress, improving clarity, and helping you make confident decisions—even when things feel unpredictable.In this episode, you’ll discover:The real reasons financial stress is rising for Canadians (beyond just money)Why having a financial plan reduces uncertainty and builds confidenceHow to make smarter financial decisions—even during economic volatilityIf you want to feel more in control of your finances and reduce stress around money, this episode gives you the clarity you’ve been missing.👉 Listen now to learn how better financial planning can help you navigate financial stress with confidence.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are rising oil prices about to trigger the next wave of inflation—and what should investors be doing right now?Global tensions, disrupted supply chains, and constrained energy flows are creating a situation that could keep oil prices elevated for months. For investors, that matters more than most realize. Historically, major spikes in oil prices have often been followed by inflation, market volatility, and economic slowdowns.In this episode, we explore what today’s geopolitical developments could mean for inflation, markets, and long-term investing strategy.You’ll discover:Why rising oil prices have historically triggered inflation and market downturns.What investors can learn from the economic shocks of the 1970s.How to think about portfolio balance during periods of energy shocks and inflation.Listen now to understand how oil prices and inflation could shape the investment landscape—and what smart investors may want to consider before the situation worsens. 🎧📈John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

https://privatebank.jpmorgan.com/nam/en/insights/markets-and-investing/ideas-and-insights/the-agony-the-ecstasyAre you holding a stock that’s skyrocketed in value—but selling it would trigger a painful tax bill?Many investors find themselves stuck with large single-stock positions. The investment performed well, but now concentration risk is growing while capital gains taxes make diversification feel impossible. In this episode, we explore how investors and advisors are using a strategic in-kind exchange to diversify portfolios while maintaining tax deferral and protecting long-term financial plans.In this episode, you’ll learn:How concentration risk quietly builds in successful portfolios—and why it’s more common than you think.How an in-kind exchange allows investors to diversify a large stock position without immediately triggering taxes.The behavioral investing traps (like overconfidence and familiarity bias) that keep investors dangerously over-concentrated.Listen now to discover how smarter diversification strategies can reduce concentration risk while preserving tax efficiency. 🎧John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.How do you make smart financial decisions when the world suddenly feels unpredictable and uncertain?Rising geopolitical tensions, oil shocks, and supply chain disruptions are increasing the risk of stagflation—a dangerous mix of slowing growth and rising inflation. For investors, this creates a challenging environment where portfolio risk increases and many decisions must be made in the fog of war, without perfect information.In this episode, you’ll learn:How geopolitical conflict and oil price shocks can trigger stagflation and impact global markets.Why many investors underestimate their true portfolio risk after 17 years without a major bear market.How to think emotionally and strategically about risk when making decisions in the fog of war.Listen now to understand how to evaluate your portfolio risk and make better investing decisions during stagflation—even when you’re making decisions in the fog of war. 📉🎙️John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Do you have a will — and is it actually up to date?Most Canadians don’t have wills, and many who do haven’t reviewed them in years. If you have assets, dependents, or simply people you care about, avoiding estate planning can leave your family with stress, confusion, and costly complications. The truth is, wills and power of attorney documents aren’t just legal paperwork — they’re critical financial decisions.In this episode, you’ll discover:Why so many people delay wills and estate planning — and how to overcome the mental and logistical barriers.The difference between a will and power of attorney, and why you likely need both.How to make estate planning simple, affordable, and actionable — no matter your budget or stage of life.If you want to protect your family, reduce future headaches, and make smarter long-term wealth decisions, this conversation will help you take the first step.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are your investment decisions still based on a world order that no longer exists?The reality is that geopolitics is no longer background noise—it’s a driving force behind markets, supply chains, alliances, and global stability. With recent military actions and shifting global power dynamics, the rules that once guided international cooperation have changed. If your investment decisions are built on yesterday’s assumptions, you may be taking risks you don’t even see.In this episode, you’ll learn:How the shift in the world order is directly impacting investment decisions across marketsWhy geopolitics is now a permanent variable—not a temporary disruptionHow to adjust your investment framework to reflect today’s hard-power global realityIf you want to make confident investment decisions in a world defined by geopolitical disruption and a changing world order, this episode will help you rethink your strategy before the next shock hits.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are you confident you’re actually making better wealth decisions — or just reacting to financial information as it comes?In today’s complex environment, financial planning isn’t just about investing or tax strategies. It’s about integrating your income, insurance, investments, corporate structure, estate planning, and long-term goals into one cohesive strategy. Without a structured process, even smart professionals can miss critical blind spots.In this episode, Herman Chan, Certified Financial Planner, shares:How to structure financial planning so you make better wealth decisions with clarity and purposeThe hidden risks facing medical professionals and real estate investors (including overlooked insurance gaps)Why “diagnosis before prescription” is essential to long-term financial successIf you want a more disciplined, structured approach to financial planning — and the confidence that comes with making better wealth decisions — this episode will help you think differently about your next move.More about Crimson Financial: https://www.crimsonfi.com/John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are your wealth decisions truly aligned with the demographic reality shaping retirement today?Most investors focus on GDP, interest rates, and stock market headlines — but overlook one of the most powerful economic forces: demographics. As baby boomers retire and consumer spending patterns shift, the ripple effects on the economy and capital markets are becoming more predictable — and more pronounced. If you’re planning for retirement, this matters more than you think.In this episode, you’ll discover:How demographics directly influence wealth decisions and long-term retirement outcomesWhy aging populations can slow economic growth — and what that means for your portfolioHow to adjust your strategy today to stay ahead of demographic-driven shiftsIf you want your wealth decisions to reflect the economic realities of retirement, this episode will help you think differently — and plan smarter — for what’s ahead.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are you making wealth decisions based on headlines — or on long-term strategy?If you’re a retail investor, you’ve likely heard more about private investing over the past few years than ever before. Pension funds have been doing it for decades. Institutions have leaned heavily into it. But now retail investors are being invited in — and that raises big questions about liquidity, risk, evergreen funds, gating, and whether private markets truly belong in your portfolio.In this episode, we break down what private investing actually means for retail investors and how to think clearly about wealth decisions in a world moving faster than ever.By listening, you’ll learn:How private investing can enhance diversification and long-term returns for retail investors — and where the risks truly lie.What liquidity risk, gating, and evergreen structures really mean for your wealth decisions.Why over-focusing on daily liquidity may be sabotaging long-term portfolio performance.If you want to make more confident, long-term wealth decisions as a retail investor navigating private investing, this episode is essential listening.More about Nimar Bangash and Obsiido: https://www.obsiido.com/about-obsiido/team/John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are you building your portfolio as if the world hasn’t fundamentally changed?Investing in 2026 isn’t just another market cycle. Inflation pressures, demographic decline, climate risk, infrastructure spending, and global fragmentation are creating macroeconomic shifts we haven’t seen in generations. While diversification and low-cost investing still matter, your portfolio strategy may need a second look to account for a very different economic reality.In this episode, you’ll discover:How demographic decline and slower growth could quietly drag on long-term returns.Why climate, infrastructure, and geopolitical fragmentation are no longer optional considerations in portfolio strategy.How to rethink diversification so your investing in 2026 reflects real macroeconomic shifts—not outdated assumptions.If you want to make sure your portfolio strategy is aligned with the realities of investing in 2026, this episode will help you rethink what “stay the course” really means.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are you settling for low bond yields while overlooking Residential Mortgages that could improve your Risk-Adjusted Returns?With interest rates fluctuating and economic uncertainty rising in 2026, many investors are questioning whether traditional bonds, GICs, and even some Mortgage Funds are doing enough to generate steady income without unnecessary volatility. Residential Mortgages offer a different approach—one that may provide dependable income, diversification, and historically attractive Risk-Adjusted Returns.In this episode, you’ll discover:How Residential Mortgages can enhance portfolio diversification due to low correlation with stocks and bondsThe real risks behind Mortgage Funds—including liquidity, second mortgages, and gating—and how they’re managedWhy retirees and income-focused investors are turning to Residential Mortgages for stronger Risk-Adjusted ReturnsIf you’re looking to make smarter income decisions and potentially improve your Risk-Adjusted Returns, this episode will help you decide whether Residential Mortgages deserve a place in your portfolio.More about Gord RossJohn De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Feeling like rising prices are squeezing your wallet more than ever?Inflation is hitting everywhere — groceries, bills, and daily essentials — leaving many Canadians frustrated and unsure how to respond. But what if you could turn this challenge into an opportunity by understanding the forces behind the Canadian economy?In this episode, we break down why inflation is impacting your wealth and show practical ways to use the Canadian economy to your advantage instead of feeling stuck. You’ll gain actionable strategies for navigating higher costs while making your money work smarter.Here’s what you’ll learn by listening:Why inflation is reshaping everyday finances and what it really means for your wealthHow the Canadian economy creates investment opportunities during rising costsSimple steps to protect and grow your money instead of letting inflation eat away at itListen now to discover how understanding the Canadian economy can help you stop reacting to inflation — and start capitalizing on it.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are women really facing the same retirement reality as men—or are planners missing something critical?Women live longer, earn less on average, and experience more career interruptions—yet retirement advice often assumes a one-size-fits-all approach. In this episode, we explore why financial planning for women requires a fundamentally different lens and how structural, behavioral, and educational factors shape women retirement planning outcomes in ways many advisors underestimate.In this conversation, you’ll discover:Why compounding life events—not behavior alone—put women at a retirement disadvantageHow financial literacy and confidence directly influence women’s long-term wealth outcomesWhat planners can do differently to create more effective, empathetic retirement strategies for womenIf you want a clearer understanding of the real challenges shaping women’s financial futures—and how better planning decisions can close the gap—this is an episode you don’t want to miss.More about Tanya Staples: https://research.conestogac.on.ca/our-team/tanya-m-staples-cfp John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are markets right to trust Kevin Warsh with the Federal Reserve—or is inflation the hidden risk no one’s pricing in yet?Investors, policymakers, and everyday market watchers are all reacting to Donald Trump’s nomination of Kevin Warsh, but the real story isn’t political—it’s about credibility, independence, and whether inflation stays contained. With markets already signaling cautious optimism, the question becomes whether that confidence is justified or dangerously premature.In this episode, you’ll discover:Why the market sees Kevin Warsh as less inflationary than expected—and what that reveals about Federal Reserve independenceHow Warsh’s reputation compares to past Fed leadership and why that matters for long-term credibilityWhat could go wrong if political pressure overrides data-driven policy at the Federal ReserveIf you want to understand how Kevin Warsh could influence inflation, the US dollar, and global market stability, this is an episode you don’t want to miss.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Have you ever considered electricity as an asset class—or are you still thinking about energy investing the old way?Most investors talk about oil, gas, and renewables, but almost no one is framing electricity itself as a core asset class. As electrification accelerates through AI, data centers, electric vehicles, and global demand growth, that oversight could become a serious portfolio risk.In this episode, we explore why electricity is reaching an inflection point and how energy investing must evolve to reflect a world that is rapidly electrifying.You'll learn:Why electricity as an asset class has historically outperformed traditional energy investingHow electrification creates a rare combination of defensive characteristics and long-term growthWhere public and private markets fit when allocating capital to electricity infrastructureIf you want to make better wealth decisions in a world being reshaped by electrification, this episode will fundamentally change how you think about energy investing. ⚡🎧More about Michel Sznajer: https://www.redwheel.com/uk/en/institutional/team-members/michel-sznajer/John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are you prepared for how Canada’s new affordability measures will affect your finances and portfolio?With the government introducing programs like the Canada Groceries and Essentials benefit, and tackling issues like shrinkflation, the financial landscape is shifting. Many Canadians aren’t considering how these changes impact their investments and long-term wealth.In this episode, you’ll discover:How government policies on affordability can directly influence your portfolio decisionsPractical ways to adjust your investments to manage new economic risksSteps to ensure your family’s finances stay protected in a changing worldListen in to learn how to navigate Canada’s evolving financial landscape and safeguard your portfolio today.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Is the economy actually headed for trouble—or are investors confusing it with what’s happening in the stock market?If you’ve ever felt uneasy watching headlines predict a recession while markets keep moving higher, you’re not alone. In this episode, John sits down with Dave Wahl of Franklin ClearBridge Investments to unpack the critical difference between the economy vs. stock market, why those two don’t move in lockstep, and what today’s data really says about a potential recession and the US stock market. This conversation challenges common assumptions, explores why optimism and fear often coexist, and explains how investors can think more clearly during uncertain times.What you’ll gain from this episode:Clarity on why the economy and the US stock market send different signals—and why that matters for real-world decisions.Perspective on recession indicators, including jobs, GDP, spending, and why most data still points to expansion.Insight into portfolio risk, global diversification, and why concentration in the US stock market may matter more than headlines suggest.Listen now to gain a clearer, calmer framework for understanding the economy vs stock market—and to make better wealth decisions without reacting to fear-driven narratives.More about Dave Wahl: https://www.clearbridge.com/team/david-wahlJohn De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are you making investment decisions based on reality—or on how you wish the world still worked?Recent tariff announcements are once again rattling markets, driving uncertainty, and reminding investors that disruption is no longer the exception—it’s the norm. This episode breaks down why these moves shouldn’t surprise anyone, how markets are already responding, and why pretending this is temporary can be a costly mistake.By listening, you’ll learn:How tariffs signal deeper, ongoing shifts in the global order—not one-off eventsWhy reacting emotionally to market swings undermines clear-eyed investingHow to make realistic decisions that align with the world as it actually is todayIf you want to protect your decision-making from denial, surprise, and false hope, listen to this episode and reset your mindset for clear-eyed investing in a changed world.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are you confident that the financial advice you receive is actually helping you make better wealth decisions?Many people rely on financial planners without ever understanding how those professionals are trained, what shapes their judgment, or why some advice feels more trustworthy than others. In this episode, we pull back the curtain on financial advice by exploring how financial planners are educated, how income influences decision-making more than gender, and why real-world experience matters just as much as technical knowledge.By listening, you’ll discover:Why income—not gender—plays the biggest role in financial behavior and wealth decisionsHow financial planners are trained and why career paths impact the quality of financial adviceWhat to look for in a financial planner if you want long-term confidence in your wealth decisionsListen now to gain clarity on financial advice and feel more confident about the wealth decisions you’re making.More about Dr. Daniel Richards: https://profiles.laps.yorku.ca/profiles/danwrich/John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are we sleepwalking into a pension crisis as globalization unravels?For decades, Canada benefited from globalization, stable trade routes, and predictable demographics—but those assumptions are breaking down fast. With immigration slowing, housing shortages mounting, and population growth stalling, the long-term sustainability of the Canada Pension Plan is becoming a serious question few are willing to confront.In this episode, you’ll discover:How the end of globalization changes the math behind immigration and pension sustainabilityWhy Canada’s demographic challenges pose real risks to the Canada Pension PlanWhat happens to jobs, markets, and public finance if population growth stallsIf you care about the future of Canada’s economy, immigration policy, and whether the Canada Pension Plan can actually deliver when you retire, this is an episode you don’t want to miss.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are bonds and GICs really the best way to generate reliable interest income anymore?If you’ve been relying on traditional fixed income, you may be missing a lesser-known corner of alternative investments that institutions have used for decades. Private real estate debt offers a different approach to earning interest income—one backed by physical assets, shorter lending terms, and structural protections that many investors never consider.In this episode, John sits down with Spencer Hurley of Trez Capital to unpack how private real estate debt actually works, why it’s often misunderstood, and where it fits (and doesn’t fit) in a modern portfolio.In this episode, you’ll learn:How private real estate debt generates interest income and why it behaves differently than bonds or GICsThe two biggest risks investors need to understand—and how proper due diligence can reduce themWhere private real estate debt fits within alternative investments across different market cyclesIf you want to make better wealth decisions and understand whether private real estate debt belongs in your interest income strategy, this episode will give you the clarity you need — listen now.More About Spencer Hurley: https://www.trezcapital.com/our-team/spencer-hurleyJohn De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are you relying on outdated investing assumptions while the world is fundamentally changing?For decades, investors have been taught that history always repeats itself and that “this time is different” is a dangerous mindset. But what if blindly applying past frameworks is exactly what’s preventing you from seeing today’s risks clearly? In this episode, we challenge conventional investing wisdom and explore why demographics, climate change, geopolitical fragmentation, and exploding public debt are converging in ways we’ve never experienced before.By listening, you’ll learn how to:Identify when historical investing patterns still apply—and when they no longer doUnderstand how polycrisis dynamics can simultaneously amplify multiple economic risksFilter financial decisions through a modern lens to make better wealth decisions in uncertain timesIf you want to navigate investing with clarity instead of complacency, this episode will help you think more critically and make better wealth decisions starting now.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are you confident that the financial advice you’re getting is actually helping you make better money decisions?Most people focus on what financial advice they receive—but far fewer think about who is delivering it and how they were trained. In a world of rising debt, longer retirements, emotional money decisions, and financial stress, choosing the right financial planner can be one of the most important decisions you ever make.In this episode, we go behind the scenes of the financial planning profession to explore how financial planners are educated, what separates good advice from truly helpful advice, and why human judgment matters just as much as technical knowledge when life gets complicated.In this episode, you’ll learn:How a financial planner is trained to help real people make better money decisions—not just solve textbook problemsWhy emotional intelligence and behavioral understanding matter as much as numbers in financial adviceWhat everyday Canadians should look for when choosing a financial planner they can trustListen now to learn how the right financial planner can help you make better money decisions with clarity, confidence, and peace of mind.John De Goey's Books. Grab your copy from Amazon:Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

Are you heading into the new year in 2026 hoping your finances improve — without a clear plan?As the new year approaches, optimism is high, but uncertainty is real. This episode encourages you to pause, reflect, and use the momentum of a new year in 2026 to clarify your money goals and build simple saving money habits that fit your real life.In this episode, you’ll learn:How to set money goals that actually work for your situation in 2026Why saving money is easier when someone holds you accountableHow small, written promises can lead to better financial decisions all yearListen now to start the new year in 2026 with clear money goals and a practical approach to saving money that you can stick with.Plan with STANDUP Advisors: https://johndegoey.ca/John De Goey's Books:Bullshift: https://www.amazon.ca/Bullshift-Optimism-Bias-Threatens-Finances-ebook/dp/B09YWVQMN6STANDUP to the Financial Services Industry:https://www.amazon.com/STANDUP-Financial-Services-Industry-Well-Intended-ebook/dp/B07R8WHCGMThe Professional Financial Advisor IV:https://www.amazon.ca/Professional-Financial-Advisor-IV/dp/1554831733

Are you building a portfolio based on stories, headlines, and hot picks—or on what actually works?Most investors believe smart investing means finding the right stock, the right fund, or the right manager. But decades of real-world evidence suggest something very different. In this episode, John sits down with veteran financial professional Patrick Frigon to unpack what Nobel Prize–winning research reveals about building a portfolio, reducing investment risk, and diversifying investments in a way that actually improves long-term outcomes.You’ll hear why stock picking is so difficult, how markets absorb information almost instantly, and why trying to outsmart everyone else often leads investors to beat themselves instead.By listening, you’ll learn how to:Build a portfolio using evidence-backed principles instead of predictions and opinionsReduce investment risk without sacrificing long-term returnsDiversify investments in a way that smooths volatility and minimizes costly mistakesIf you want to stop guessing and start making smarter, calmer, and more reliable wealth decisions, this episode will change how you think about investing—press play and listen now.Start planning with STANDUP Advisors:https://johndegoey.ca/

Are you ready to make your financial plans for 2026—but worried about missing key tax and contribution rules in Canada?Understanding tax brackets, RSP, and TFSA contribution limits can dramatically affect how much you keep and grow next year. Whether you’re a high earner or just starting to save, knowing the numbers now sets you up for success.In this episode, you’ll learn:How the new Canadian federal tax brackets in 2026 impact your income strategy.The exact RSP and TFSA contribution limits and how to maximize them before deadlines.What to know about Old Age Security clawbacks and planning for retirement contributions.Tune in to plan your 2026 finances smarter, save on taxes, and make the most of your RSP and TFSA opportunities.Start planning with STANDUP Advisors today:https://johndegoey.ca/

Are you confident that your decision making actually leads to an impactful decision—especially when the stakes are high?In this episode, we unpack how decision making really works when lives, wealth, and long-term outcomes are on the line. Drawing from healthcare, entrepreneurship, and leadership under pressure, this conversation reveals why clarity, human capital, and trust matter just as much as data when striving to make an impactful decision.What you’ll learn from this episode:How to structure decision making under pressure so it consistently leads to an impactful decisionThe hidden blind spots that sabotage impactful decisions in leadership, investing, and scaling businessesA practical way to balance intuition, data, and human dynamics when every decision countsListen now to learn how stronger decision making becomes the difference between reactive choices and truly impactful decisions.More about Sabrina Runbeck: https://sabrinarunbeck.com/Plan with STANDUP Advisors: https://johndegoey.ca/

Are you basing your financial planning on recent market gains—without accounting for how stock market valuations change investment risk?Many investors assume that strong past returns mean strong future returns. But history shows that when stock market valuations rise, investment risk quietly increases and expected returns often fall. If your financial planning doesn’t reflect this reality, you may be taking on far more risk than you realize.In this episode, you’ll discover:How stock market valuations directly influence investment risk and long-term expected returnsWhy reversion to the mean matters more for financial planning than recent performanceHow to think more realistically about risk when markets appear calm but valuations are stretchedListen now to learn how understanding stock market valuations can help you manage investment risk and build more resilient financial planning for the years ahead.Start Planning With Your STANDUP Advisors: https://www.johndegoey.ca/

Uncertainty is rising — but your decision-making doesn’t have to fall apart with it.In this conversation with keynote speaker, consultant, author, and behavioral scientist Sam Sivarajan, we explore the mindset, tools, and frameworks that help people stay calm, think clearly, and make better decisions in the face of unpredictable change.Sam’s new book, The Uncertainty Edge, reveals why the ability to navigate uncertainty—not just risk—is now one of the most important skills for investors, leaders, and anyone navigating life’s transitions.You’ll learn:Why confusing risk with uncertainty leads to poor financial decisionsHow goal fixation (in climbing, investing, or leadership) can be fatalThe EDGE framework: Establish, Diagnose, Go, EvolveHow to identify what’s in your control — and what isn’tWhy AI is today’s biggest uncertainty (and possibly bubble)How personal resilience is built through process, not outcomes🎧 Listen now to learn how the Uncertainty Edge can help you make better wealth decisions with clarity, composure, and confidence.Know more about Sam Sivarajan: https://www.samsivarajan.com/STANDUP Planning with John De Goey: https://johndegoey.ca/

Are your finance decisions being quietly distorted by AI’s massive—and possibly unsustainable—market influence?The surge of AI dominance has reshaped everything from valuations to investor behavior, and it’s created a level of concentration risk the world hasn’t seen before. If you hold the Magnificent Seven, follow AI-driven narratives, or simply want to protect your long-term portfolio, this episode hits close to home.You’ll walk away with clarity on:How AI’s extreme market concentration could impact your future finance decisionsWhere hidden risks—like power constraints and circular funding—could trigger major AI slowdownsWhat you can do today to make smarter, more resilient finance decisions heading into 2026Take control of your financial future—listen now to strengthen your finance decisions before the AI tide shifts.STANDUP planning with John De Goey: https://www.johndegoey.ca/

What if someone in your family qualifies for the disability tax credit — and you’ve never set up an RDSP?Most people who receive the disability savings tax credit have never been told how powerful an RDSP really is. In this episode, advisor Eldon Dunseith breaks down exactly how the system works, why so many families miss out, and how simple the process can be once you understand it.You’ll walk away knowing what the disability savings tax credit actually unlocks, who can open an RDSP, and why this program quietly delivers some of the largest government benefits available in Canada.In this episode, you’ll learn:How the disability savings tax credit opens the door to up to $90,000 in government grants and bondsWhy children and adults can both set up RDSPs — and why most people don’t know thisHow families can catch up on missed years and quickly boost long-term disability savingsListen now to discover how to use the disability savings tax credit to build real, long-term financial security for someone you care about.Visit John De Goey's website: https://johndegoey.ca/More about Eldon Dunseith: http://simardandassociates.com/personnel/eldon-dunseith/

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Have you ever wondered why some people build wealth effortlessly while others get lost in financial complexity?Most people think improving their personal finance requires learning spreadsheets, tracking markets, or becoming an amateur investment expert—yet The Wealthy Barber proves the opposite. In this episode, we explore why David Chilton’s newly updated classic remains one of the most effective personal finance guides ever written, and why simple investing continues to outperform the complicated strategies many people chase.You’ll discover:How simple investing and low-cost index funds can outperform most “expert” strategiesWhy personal finance is easier than you think—and how The Wealthy Barber simplifies itHow disciplined saving and ignoring market noise can build long-term wealthListen now to learn how The Wealthy Barber’s simple, timeless approach can transform your personal finance strategy today.Visit John De Goey's website: https://johndegoey.ca/More about The Wealthy Barber: https://thewealthybarber.com/

Are geopolitics and inflation quietly reshaping your portfolio without you realizing it?In this episode, macro expert Bipan Rai breaks down the evolving global environment of 2025–2026 and explains how geopolitics, inflation, and portfolio strategy now intersect in ways investors can’t afford to ignore.By listening, you’ll discover:How rising geopolitical tension can influence supply chains, prices, and investment opportunities.Why inflation’s “higher for longer” reality demands new portfolio strategy thinking.Which asset classes—like alternatives, gold, infrastructure, and AI—may play a bigger role in future positioning.Listen now to learn how to make better wealth decisions by aligning your portfolio strategy with today’s geopolitics and inflation landscape.More About Bipan Rai: https://www.bmoetfs.ca/authors/bipan-raiVisit John De Goey's website: https://johndegoey.ca/

Weekly Wealth Update: A Make Better Wealth Decisions podcast dedicated to explaining how current events impact your portfolio and the wealth decisions you make. Tune in every Monday for commentary on how the news of the week affects your portfolio and your thinking.Are you unknowingly losing money to outdated fees that shouldn’t exist anymore?For Canadian investors, two major developments just changed the cost landscape — and if you invest in RRSPs, TFSAs, or ETFs, this episode shows why these changes matter more than you realize. Transfer fees between institutions are finally being eliminated, and Vanguard has rolled out its largest fee cut ever. Together, these shifts could save ordinary investors hundreds of dollars a year.You’ll discover:How eliminating transfer fees empowers Canadian investors to move freely without penaltiesWhy Vanguard’s newest fee cuts could significantly boost your long-term returnsWhat these changes reveal about the future of competition and fairness in the financial industryReady to keep more of your own money and invest with confidence? Listen now to learn how these changes directly benefit your portfolio.More About John De Goey: http://www.johndegoey.ca/