Fintech Impact

Jason talks to Robert Wilson, Head of Portfolio Construction and Consultation Services, and Michael Lynds, Managing Director and Head of Retail, both from Picton Mahoney, a well-known Canadian asset manager. The discussion revolves around Picton Mahoney's separate initiative called Second Engine, focused on developing software tools for retail advisors.

Key Points:

1. The conversation delves into data challenges in Canada, highlighting issues such as investment strategies not reporting data, delayed reporting leading to discrepancies, and incorrect data, particularly concerning derivative securities.
2. The discussion revolves around a new approach to portfolio analysis, emphasizing a top-down, return-based methodology as opposed to traditional bottom-up strategies.
3. Robert and Mike touch on broader industry trends, discussing the emergence of point solutions tailored for advisors and the need to contribute intellectual property in various forms.

Tweetable Quotes:

• "Empowering advisors with self-serve tools allows them to deliver portfolio construction insights at scale, consistently meeting client goals." - Michael Lynds
• "The traditional model of hiring specialists is evolving. Advisors now tap into resources and tools to align portfolio components for optimal client outcomes." - Robert Wilson
• "Traditional methodology focuses on holding-based analysis. Our multi-asset approach breaks down risk sensitivity, revealing blind spots in sector over weights that may impact performance goals. It's about seeing beyond what you're holding." - Michael Lynds

Resource Mentioned:

• Facebook – Jason Pereira's Facebook
• LinkedIn – Jason Pereira's LinkedIn
• Woodgate.com – Sponsor
• Podcast Editing

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Jason interviews Cameron Howe, CEO and Co-founder of Investipal. Originally designed for DIY investors, Investipal has evolved into a versatile online platform that also serves advisors, offering enhanced tools for portfolio research and management. The conversation emphasizes Investipal's commitment to financial literacy, particularly among younger generations, and the value of remaining a calculated, revenue-focused, and durable company despite being bootstrapped.

Episode Highlights:

• 04:00: The discussion focuses on unifying the advisor experience through research and development. Investipal aims to streamline the fragmented advisor tools, providing a more cohesive and personalized experience for users.
• 08:31: Jason brings up the transition from a DIY tool to serving advisors, inquiring about the feedback that led to this shift. He also asks about the feedback from advisors on what was missing from their previous tools.
• 13:18: Cameron talks about Investipal's focus on private assets, catering to advisors dealing with alternative exposures. The goal is to optimize client accounts by incorporating private assets into the portfolio management solution.
• 14:47: Cameron clarifies that Investipal aims to own the investment management side while integrating with financial planning and client-related tools. The focus is on providing a comprehensive solution for investment management and portfolio optimization.
• 16:38: Cameron discusses the challenge of being bootstrapped, emphasizing the need for calculated risks with limited assets. Despite the slower growth, being revenue and profit-focused has allowed for a more durable and diligent approach.

Key Points:

1. Originally a DIY tool, Investipal has evolved into a platform serving both individual investors and advisors, positioning itself between discount brokerage firms and managed services.
2. Investipal seeks to unify the advisor experience by connecting various tools for risk assessment, research, portfolio management, and client communication, providing a streamlined and cohesive solution.
3. Investipal aims to focus on owning the investment management side, catering to mid-market advisors.

Tweetable Quotes:

• "Investipal focuses on owning the investment management side, offering a comprehensive yet cost-effective solution for mid-market advisors, while integrating with financial planning tools." - Cameron Howe
• "We want to instill financial literacy, especially among younger generations, and provide streamlined tools for long-term wealth building, not just for advisors but for the general retail population." - Cameron Howe
• "Being bootstrapped forced us to take calculated risks, ensuring a more durable company that remains revenue and profit-focused, rather than succumbing to the fast-paced VC cycle." - Cameron Howe

Resource Mentioned:

• Facebook – Jason Pereira's Facebook
• LinkedIn – Jason Pereira's LinkedIn
• Woodgate.com – Sponsor
• https://www.linkedin.com/in/cameronhowe/?original_referer=https%3A%2F%2Fwww%2Egoogle%2Ecom%2F&originalSubdomain=ca
• https://www.investipal.co/
• Podcast Editing

Hosted on Acast. See acast.com/privacy for more information.

Jason interviews Tim Hewson, CEO of LegalWills, an online platform providing millions of users with a simple and accessible solution for creating legal and compliant wills. Tim discusses the importance of having a will, the challenges of estate planning, and how Legal Wills aims to demystify the process.

Episode Highlights:

• 00:34: Tim introduces the topic of legal wills, emphasizing their significance and the need for everyone to have one. He discusses the mission of making will preparation affordable and accessible to everyone.
• 01:04: Tim outlines the mission of LegalWills, emphasizing the removal of barriers to will preparation. He discusses the accessibility and affordability aspects, considering it a vital document for everyone.
• 07:36: Tim introduces the Key Holder concept, allowing users to securely share information with designated individuals when needed. He explains the Messages service, enabling users to leave specific messages for their loved ones after their passing.
• 10:53: Jason commends LegalWills for allowing users to pick and choose services. He highlights the importance of having a Power of Attorney for young adults turning 18, and he appreciates the affordability of LegalWills' solution.
• 14:49: Tim explains that LegalWills covers a broad range of scenarios, including lifetime interest trusts for blended families. The service evolves over time to address various situations, and currently, there are few cases that they do not cover.
• 18:15: Tim responds to the criticism of LegalWills' affordability by questioning the high charges for simple wills by some law firms. He argues that basic wills shouldn't cost as much as they often do, and he highlights the issue of lawyers overcharging for relatively straightforward services.
• 24:28: Jason and Tim emphasize the emotional impact on families left to deal with disorganized estates and stress the importance of creating a will to prevent conflicts and contempt among family members.

Key Points:

1. LegalWills aims to simplify estate planning, catering to diverse needs, including those of blended families.
2. Tim discusses the challenge of balancing growth and service quality as Legal Wills has steadily expanded without external funding.
3. The platform has made a positive impact on users and charities, emphasizing the importance of organized estate planning for individuals and 

Tweetable Quotes:

• "Writing a will shouldn't be about dying; it's part of financial planning. Organize your affairs while you're well; it's a gift to your loved ones.”
• "We're on a mission to demystify wills. Losing the legalese can make the process more accessible. It's about clear instructions, not complex language.”
• "Every person who used our service is better off—over a million users and counting. Helping families and charities with organized estate planning is what keeps us going.”

Resource Mentioned:

• Facebook – Jason Pereira's Facebook
• LinkedIn – Jason Pereira's LinkedIn
• Woodgate.com – Sponsor
• https://legalwills.company/
• https://www.linkedin.com/in/timhewson/?originalSubdomain=ca
• Podcast Editing

Hosted on Acast. See acast.com/privacy for more information.

Jason welcomes back Reese Harper, the CEO of Elements. It is a platform designed to provide faster and more effective financial advice. The innovative approach of Elements simplifies financial diagnostics, making it accessible to a diverse audience. The episode explores the evolving landscape of financial services and the need for simplicity and accessibility in wealth management.

Episode Highlights:

• 01:10: Reese transitions to discussing Elements, introducing it as a platform for faster and simpler financial vital signs. He also describes Elements as providing diagnostic reports for present-day financial health, comparing it to medical diagnostics.
• 06:01: Reese refers to the Hippocratic Oath and avoiding unnecessary costs, discussing the difficulty in providing low-cost solutions for meaningful conversations. He also highlights the importance of not forcing clients to incur costs that aren't truly transformational for their stage of wealth.
• 11:45: Jason acknowledges the value of addressing fundamental financial problems before delving into long-term planning.
• 17:36: Reese introduces "Elements Money" as a nurture campaign, aiming to circulate personalized material tailored to each client's financial elements.
• 23:58: Reese recounts a client's journey to building liquidity, demonstrating the effectiveness of personalized financial planning through "Elements Money."
• 31:13: Reese narrows down the idea of giving back to one hour a week, suggesting an industry-wide commitment. He also notes the biggest challenge for Elements has been introducing a new category in an industry resistant to change.
• 32:59: Jason asks Reese about the excitement that keeps him motivated, with Reese expressing joy in continuous learning and the pursuit of meaning in his work.

Key Points:

1. Elements serves as a platform for assessing financial vitals, offering a quick and accessible way to analyse a client's current financial situation.
2. Financial vitals, unlike traditional planning, address the present needs and concerns of clients, providing insights that complement the future-oriented approach of financial planning.
3. Reese emphasizes the challenge in convincing clients, especially those with lower wealth levels, of the value of financial planning. Elements aims to bridge this gap by facilitating meaningful conversations at a lower cost.

Tweetable Quotes:

• "Financial vitals are the pulse of your wealth, offering a real-time diagnosis, while financial planning paints the visionary picture of where your finances can journey in the long run. Both are essential for a holistic financial strategy.”
• “Elements provides a simpler, faster set of financial vital signs that can be understood and acted upon by anyone, regardless of wealth level.”
• "Championing a shift in the industry, Reese Harper highlights the need for professionals to offer low-cost, meaningful conversations. Elements provides a solution, empowering individuals to engage in transformative financial discussions without hefty fees.”

Resource Mentioned:

• Facebook – Jason Pereira's Facebook
• LinkedIn – Jason Pereira's LinkedIn
• Woodgate.com – Sponsor
• https://www.advisersoftware.com/
• Podcast Editing

Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Andres Jones, Co-founder, and CEO of Facet. It is a fintech company challenging traditional financial planning models and aims to introduce an advanced form of financial planning to underserviced markets often neglected by the industry. They use a subscription-based approach, focusing on a broader definition of financial planning beyond retirement. The company emerged in response to industry challenges, notably the failure of the DOL fiduciary rule.

Episode Highlights:

• 01:19: Anders provides a snapshot of Facet's inception in 2016, emphasizing the disruptive intent to reshape financial planning with a subscription-based model.
• 04:34: Anders illustrates the depth of Facet's service, sharing anecdotes about clients seeking assistance with major life events like having a baby.
• 08:08: Anders expands on Facet's client-centric approach, emphasizing assistance across different life milestones, showcasing the company's comprehensive financial planning perspective.
• 10:28: Anders discusses the facet philosophy, highlighting principles like maintaining a six-month emergency fund before investing, emphasizing the right order of operations.
• 13:20: Anders discusses metrics like member per planner ratio, client satisfaction, retention, and the importance of activation—ensuring clients act on provided advice.
• 17:24: Jason inquiries about the onboarding experience at Facet, prompting Anders to explain the two-call process led by a separate membership team to understand the client's needs and introduce Facet's services.
• 20:33: Anders highlights the focus on understanding the emotional aspects and the "why" behind a client's financial goals, aiming for a personalized and meaningful planning approach.
• 26:32: Jason discusses the challenges of serving clients with lower income or assets, and Anders mentions his optimism about technology advancements enabling lower-cost solutions in the future.
• 30:10: Anders highlights two motivating factors: Facet's mission-driven culture, where team members share stories about changing members' lives, and having an incredible team that makes the hard work of building a business enjoyable.

Key Points: 

1. Facet operates with a strong mission-oriented culture, emphasizing the team's commitment to changing financial planning for the better.
2. The discussion explores challenges when clients outgrow advisors and the potential for AI to drive down costs, making financial planning more accessible.
3. Despite virtual work success, Anders expresses a preference for in-person collaboration, especially in creative aspects of the business.

Tweetable Quotes:

• "Financial planning, when done well, looks at everything in your life that money touches, not just what your money is doing and what it'll be doing in 40 years." - Anders
• "The AUM-based business model for retail clients does not make sense. It does not align the cost that you're paying with the value that you're receiving." - Anders
• "Our ideal member is someone in their late 20s to early 40s, figuring out how to 'adult' and wanting help, or pre-retirees focused on the next 5 to 10 years." - Anders

Resource Mentioned:

• Facebook – Jason Pereira's Facebook
• LinkedIn – Jason Pereira's LinkedIn
• Woodgate.com – Sponsor
• https://facet.com/

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On today's episode, Jason and Guy will reflect on 51 impactful episodes of Fintech Impact. From CRM evolution to the rise of AI in finance, this conversation explores cutting-edge trends and thought-provoking discussions that shaped the year, sharing insights into cybersecurity, marketing, and innovative solutions revolutionizing the advisory landscape.

Episode Highlights:

• 01:28: Jason shares insights from his speaking engagements at Future Proof and the IFP event, discussing the importance of technology in bridging the gap between advisors and the next generation of clients.
• 02:56: Jason explores the pervasive nature of fintech, emphasizing its role as a tool for advisors to enhance value and service while staying competitive.
• 08:37: Jason reflects on standout episodes from the year, mentioning Luminent's approach to understanding clients' values and Elements, a tool for efficient financial collaboration. He highlights the importance of these innovations in reshaping onboarding processes and improving financial advice delivery.
• 11:48 Jason discusses Kepler's approach to traffic generation by partnering with organizations that already have financial traffic and New Retirement Wealth's integration of a DIY financial planning tool within existing platforms.
• 14:44: Transitioning to the topic of a repeat interviewee, Guy asks Jason about Conquest and its role as an AI-driven solution in the market.
• 17:28: Jason provides insights into UnderwriteMe, a tool specializing in insurance underwriting. He highlights its unique approach of conducting a medical and financial fact-finding process before recommending insurance policies.
• 22:54: Guy expresses amazement at UnderwriteMe's ability to provide newcomers in the insurance industry with the same insights as seasoned professionals. He notes that the tool seems to level the playing field, reducing the need for extensive industry experience.

Key Points:

1. Discussion revolves around ground breaking achievements of fintech companies, notably one making significant strides in the Canadian enterprise market and securing a major contract in the US.
2. Ariza, a tool introduced, uses a quadrant system to understand individual retirement preferences, emphasizing the need to tailor strategies based on behavioural preferences like certainty, variability, commitment, and optionality.
3. "Underwrite Me" is highlighted for revolutionizing the insurance application process, conducting preliminary medical and financial fact-finding to enable users to compare policies based on health criteria, reducing surprises for clients.

Tweetable Quotes:

• "The AI wave in #Fintech is real, but it's not just automation. It's about enhancing advisor-client interactions, process management, and making technology truly adaptive.” - Jason
• "2024 in Fintech: Brace for the next wave! AI adoption accelerates, with platforms integrating intelligent agents. The future is not just automation; it's smart, adaptive solutions.” - Jason
• “Reflecting on 2023 in Fintech Impact: A diverse journey from cybersecurity to marketing, featuring leaders, experts, and the big players in the Fintech space.” - Jason

Resource Mentioned:

• Facebook – Jason Pereira's Facebook
• LinkedIn – Jason Pereira's LinkedIn
• Woodgate.com – Sponsor
• Podcast Editing

Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Manu Smadja, CEO and Co-Founder of MPower Financing. MPower Financing is a company that specialises in lending loan to international students because they have their own specific challenges that are encountered by many people who come to a foreign country.

Episode Highlights:

• 02:30: Manu elaborates on his realization about the ongoing challenges faced by international students, citing personal experiences, and the turning point a decade ago when a student approached him for financial help, sparking the idea for MPower.
• 03:13: Manu shares the pivotal moment when a student was on the verge of dropping out due to a small financial shortfall. This event led him to question why no one was addressing this issue and motivated him to establish Empower in April 2014.
• 05:40: Jason discusses the challenges of issuing loans to young people with no credit history or assets, and Manu emphasizes the need for alternative data sources.
• 07:11: Manu discusses the complexity of acquiring customers overseas and the challenge of servicing loans globally, which has been a focus for their company.
• 13:09: Manu highlights the importance of character, creditworthiness, and the proof of capability demonstrated during the selection and integration process for international students.
• 14:09: Manu explains how MPower leverages data on placement rates, graduation rates, and post-graduation salaries as part of their compelling value proposition.
• 18:32: Manu compares the traditional loan process to MPower's approach, emphasizing the company's role in making the market for students who can't secure loans locally and providing a better experience for those who can.
• 25:27: Manu emphasizes that the impact on students helps the team stay motivated and focused on understanding and addressing the needs of the students.

Key Points:

1. A leader in international student financing, MPower Financing focuses on empowering students from 200 countries attending over 400 universities in the US and Canada.
2. The company's mission is to address the unique financial obstacles encountered by students studying abroad.
3. MPower Financing leverages alternative data for credit assessment, providing loans to international students who may face challenges securing loans in their home countries.

Tweetable Quotes:

• "Leveraging data on placement rates, graduation, and post-grad salaries, MPower Financing ensures a compelling value proposition for students worldwide.”
• "MPower Financing was born out of the realization that small financial shortfalls were pushing international students to drop out. We aim to bridge these gaps and make education accessible."
• "In lending to international students, we challenge the misnomer of treating no-file students like bad-file ones. Credit is a trajectory, and we leverage alternative data to understand and support their unique journeys."

Resources Mentioned:

• https://www.mpowerfinancing.com/
• https://www.linkedin.com/in/esmadja/
• Facebook – Jason Pereira's Facebook
• LinkedIn – Jason Pereira's LinkedIn
• Woodgate.com – Sponsor
• Podcast Editing

Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Ian McKenna, founder of advisersoftware.com. Ian is a guru of advisor technology in the UK and has a great lens on both the UK and technology around the world. He is here to capture his and Jason’s casual and informative discussions about the industry's past, present, and future, offering listeners a valuable perspective on the fintech landscape.

Episode Highlights:

• 02:08: Ian introduces advisorsoftware.com, initially focused on UK advice technology but evolving into a global platform to address the international nature of financial planning.
• 03:48: Jason and Ian plan to delve into various topics, starting with the evolution of software in the UK and then expanding to a global perspective.
• 05:16: Ian envisions a future where Fintech seamlessly integrates into everyday digital life globally, making it the norm rather than a separate entity.
• 11:57: Jason and Ian explore the irony that tougher regulation, especially in consumer protection, has proven beneficial for financial advisors' success.
• 13:29: Jason reflects on the future landscape, where technology becomes an integral part of every business, echoing the sentiment that companies will be either technology-driven or obsolete.
• 15:18: Ian reflects on the impact of greed in past generations, citing the shift from nationalized utilities to the privatization of shares, ultimately leading to profit-driven organizations.
• 19:39: Jason discusses the global trend in regulation, praising Australia's commitment to the right end state despite occasionally going too far. He acknowledges the UK's balanced approach and the US's focus on the fiduciary duty.
• 23:32: Ian discusses the challenge for US vendors in scaling globally, emphasizing the historical tendency to prioritize the US market and the increasing competition from Australian companies that build with a multi-jurisdictional approach.
• 31:59: Ian shares tricks, such as withholding data, to encourage technology use. He expresses his passion for creating enabling solutions through technology, emphasizing flexibility in savings options.

Key Points: 

1. Ian McKenna discusses the evolution of advisorsoftware.com from a UK-focused platform to a global solution for international financial planning.
2. Jason and Ian explore challenges faced by banks entering advisory services, regulatory dynamics, and the positive impact of stricter regulations on financial advisors' success.
3. The conversation highlights the increasing importance of technology, envisioning a future where it seamlessly integrates into daily business operations globally.

Tweetable Quotes:

• "Companies will either be technology-driven or obsolete in the future financial landscape." - Jason Pereira
• "Financial advice should be a utility accessible to all through technology, not a luxury reserved for the wealthy." - Ian McKenna
• "Flexibility in savings options, like Micro Savings, can empower individuals to save more through technology." - Ian McKenna

Resource Mentioned:

• Facebook – Jason Pereira's Facebook
• LinkedIn – Jason Pereira's LinkedIn
• Woodgate.com – Sponsor
• https://www.advisersoftware.com/
• Podcast Editing

Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Shalicia Harris, founder and CEO of In Charge; a platform designed to empower financial advisors in growing their businesses and fostering stronger relationships with clients. The focus is on personalized financial literacy, aiming to empower clients in making informed decisions about their money. The platform enables advisors to seamlessly create tailored campaigns, emphasizing transparency and education to eliminate negative experiences in client-advisor interactions.

Episode Highlights:

• 02:03: Shalicia discusses the solution, emphasizing the need for personalized financial literacy to empower clients in making informed decisions about their money.
• 06:37: Shalicia emphasizes the deeper and more personalized customer journey created through market surveys. She mentions the inclusion of market surveys in the insurance world, allowing for a more personalized customer journey.
• 07:00: Shalicia emphasizes the creation of transparency and education as the primary goals. She discusses the importance of making financial information palatable and eliminating negative feelings in client-advisor experiences.
• 12:01: Shalicia introduces the "5 key pillars of personal finances," covering debt, housing, investment, financial resilience, and creditworthiness and describes a 3 to 5-minute assessment and breakdown of client finances.
• 17:49: Shalicia finds excitement in positive feedback, knowing clients feel empowered, and the impact of In Charge in promoting financial literacy.

Key Points:

1. Shalicia's goal is to make financial advice more accessible to everyone and eliminate the fear associated with seeking financial guidance.
2. Change management is a significant hurdle in the financial advice industry due to heavy compliance ties. Shalicia highlights the need for overcoming the industry's resistance to change and embracing technologies like AI.
3. In Charge focuses on empowering clients by providing transparency and personalized financial literacy. The platform aims to bridge the knowledge gap, allowing clients to make informed decisions and fostering trust between advisors and clients.

Tweetable Quotes:

• "In Charge is a platform to help advisors be In Charge of the growth around their business and help their clients feel In Charge at the same time." - Shalicia Harris, Founder and CEO of In Charge.
• "Transparency is huge, and education is huge. We're living in an age where the majority of consumers have some sort of high school, college, university degree, and even master's degrees are quite high at this time." - Shalicia Harris
• "The feedback from clients is that this made me trust my advisor a little bit more because they felt that they weren't hiding things. Transparency itself becomes a part of that trust foundation." - Shalicia Harris

Resources Mentioned:

• Facebook – Jason Pereira's Facebook
• LinkedIn – Jason Pereira's LinkedIn
• Woodgate.com – Sponsor
• https://www.linkedin.com/in/shalicia-h-8176b0b7/?originalSubdomain=ca
• https://beincharge.io/
• Podcast Editing

Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Kareem Hamady, Co-Founder and CEO of AltExchange. The company is a platform that helps advisors better manage all the complexity around the issuance, management, and stewardship of alternative investments in the marketplace. Kareem provides an overview of AltExchange, a company focused on aggregation and automation technology for alternative investments (alts). The company retrieves data from various platforms, including PDFs and spreadsheets, and uses machine reading technology to make sense of the data.

Episode Highlights:

• 03:10: Kareem details the challenges in private capital markets, emphasizing the absence of standardized identifiers, varied reporting metrics, and the need to structure non-structured data.
• 05:37: Kareem explains AltExchange's involvement in the post-investment phase, focusing on tracking actions and workflows after the investment is made. The process includes receiving quarterly reports, annual tax documents, capital calls, and distributions.
• 09:25: Kareem describes the normalization process for line items on CAP account statements, making the comparison between different asset managers more straightforward. Despite being time-consuming, the goal is to simplify the understanding of performance.
• 13.38: Kareem discusses additional workflows, such as managing capital calls and distributions. The platform allows advisors to set calendar invites, providing clarity on the purpose and amount of wire transfers. This proactive approach reduces confusion for clients and advisors.
• 15.53: Kareem describes AltExchange's business intelligence quality checks (BI QC rules), which constantly run to ensure data consistency and accuracy within the system. The platform aims to maintain data integrity and prevent issues like unrealized value spikes.
• 20:28: Jason inquiries about AltExchange's future direction. Kareem discusses the potential for AI-driven summarization of asset manager quarterly updates, benchmarking, and exposure analysis.

Key Points:

1. Private capital markets pose challenges due to the lack of standardized identifiers and diverse reporting metrics, making it more complex than dealing with traditional assets like ETFs or mutual funds.
2. AltExchange addresses challenges in the post-investment phase, helping advisors track actions and workflows after an investment is made.
3. AltExchange facilitates various workflows, such as onboarding, distribution alerts, and managing capital calls and distributions, streamlining the advisor's role, and enhancing client communication.

Tweetable Quotes:

• "AltExchange simplifies the complex world of alternative investments by aggregating and automating data from various platforms, using machine reading technology to make sense of the data."
• "Navigating private capital markets is challenging due to the lack of standardized identifiers and diverse reporting metrics.”
• "Exciting times in the fintech space! AltExchange leverages AI to drive innovation, from summarizing asset manager updates to benchmarking and exposure analysis. Solving complex problems with technology in its early stages."

Resources Mentioned:

• Facebook – Jason Pereira's Facebook
• LinkedIn – Jason Pereira's LinkedIn
• Woodgate.com – Sponsor
• Podcast Editing

Hosted on Acast. See acast.com/privacy for more information.