Tune in to hear:

- Can Nicole speak to the power of podcasts, newsletters and new media and the role these play as she tries to fulfill her personal mission?

- Can brands do anything to really humanize and authenticate themselves or do we just favor individual influencers and have a general distrust of institutions now?

- What do we need to do as an industry to take women more seriously and how can we meet them where they’re at?

- From a behavioral standpoint, women always do better in aggregate than men with regards to investing, and yet on average they consistently undervalue their investing capabilities. What can be done about this?

- What can we do as an industry to better understand and better serve women at both an individual and global level?

- What are some practical steps that people in the majority can take to advocate for a more inclusive and diverse industry?

- What is the best savory Filipino food? What is the best sweet Filipino food? 

https://linktr.ee/fintechisfemme

Compliance Code: 1279-OAS-5/8/2023

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Learn how to adapt cognitive biases to your benefit within a sales funnel.

What is the mere exposure effect and why is it so powerful?

Considering the mere exposure effect, what chance do boutique asset managers have going against giants like BlackRock and how can they set themselves apart?

Is there such a thing as too much exposure and how can sales people intuit where to draw the line if so?

What is the loss aversion bias and how can it be used to your benefit within a sales context?

What is negativity bias and what are its implications for sales? How can you use negativity to better differentiate yourself from the broader market and how much is too much? 

What is status quo bias and how can it be applied to closing a sale?

Why are “sins of omission” typically judged less harshly than “sins of commission?”

https://www.stacyhavener.com

https://www.billiondollarbackstory.com

Compliance Code: 1732-OAS-6/26/2023

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- In studies, non-compliance with financial advice generally hangs around the 50% range. However, many advisors say that their clients are very compliant and that these stats don’t hold true for them. Has Derek noticed this and what does he think accounts for this difference?

- What is the “stages of change” model and how might it be applied in practice with clients who are pushing back?

- What is a concrete, actionable step an advisor can take to help move their client from the contemplation stage onto the preparation stage?

- A lot of clients are held back by their anxiety and fear. Is there a path for removing roadblocks that unearths clients' motivations as well?

- What is the “righting reflex?” When does it prove helpful and when does it get in the way?

- If you are an advisor and your client is putting up walls, giving pushback and privileging the status quo - what is the best way to move forward and break this stalemate?

- What are scaling questions and change rulers and how are they applied in practice?

https://www.meaningfulmoney.life

Compliance Code: 1246-OAS_5/3/2023

Tune in to hear:

- Do certain people have a natural proclivity for deferring gratification for a greater reward at a later date (e.g. exercise and saving) or can this also be learned?

- Is whether or not you are more forward-thinking or present-oriented hardwired in you from a young age?

- What are some of the things that those who “get retirement right” might know that those who “get retirement wrong” don’t?

- Why is working in retirement important for many people and how might this look different from working pre-retirement?

- What are the three pillars of retirement satisfaction and what can we do to prepare ourselves for the non-financial ones that are often overlooked?

- What are some ways that we can spend money, smartly, that may make us happier?

- How does Michael live his life differently based on the research he has done on retirement?

http://www.michaelfinke.com

Compliance Code: 1148-OAS-4/24/2023

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- What role did Amy’s mom play in her professional journey and what drives her to do what she does?

- What are the 5 steps of Amy’s process for providing effective guidance to advisors while leaving a bit of wiggle room for client personalization?

- Her 1st step, “to establish and define a client, planner relationship,” aligns with the CFP’s 1st stage. What does she teach advisors in this stage that might look a little different than folks might expect?

- How can we help facilitate a good discovery process, which encourages clients to dig deep, without putting our own fingerprints all over this in the process?

- How can you clarify your client’s values and assure that they aren’t being unduly influenced by outside influences?

- The 2nd part of Amy’s discovery stage is called “envision.” How does she help her clients’ vision of their future selves be as salient and real as possible?

- What are some of the mistakes advisors make when presenting their client with a financial plan and what can we do better as an industry?

- How can we share that “there’s more to life than money” with our clients in an authentic and non-cynical way? Also, how can we implement this thinking in our own lives?

https://www.moneyquotient.com

Compliance Code: Code: 1150-OAS-4/24/2023

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- What makes up Brendan’s list of the 10 guiding principles of financial psychology?

- Brendan says that “goals shift, but values persist.” What does he mean by this and how do we move from illuminating values to tying those back to specific goals?

- Brendan recently interviewed a “question expert” on his own podcast. What was the biggest takeaway from their conversation and how can we craft better questions?

- Brendan’s third tenant is that “the more vivid your future, the more likely the behavior change.” How can we make our future selves more salient and vivid?

- Reflective listening, where you hear your words spoken back to you, has a lot of benefits. How can advisors take advantage of this phenomenon without merely parroting back what their client’s are expressing?

- Why are discovery meeting recap emails so important and what should they look like?

- How can advisors “move from being an advice giver to being a thinking partner?”

- In an industry so focused on the present day and the future, why is looking back on the past so important? What impact might this have on individual investor behavior?

- What does Brendan consider to be the most important skill in financial advice?

https://www.wiredplanning.com

https://podcasts.apple.com/us/podcast/the-human-side-of-money

Compliance Code: 1112-OAS-4/19/2023

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- What was the spark or impetus that led Kelsey down the path to found Aura Finance?

- Why is it so crucial to help people get in the right mindset to invest and how can we begin to do so?

- What are some of the specific features of the Aura app that help promote financial mindfulness?

- How has Kelsey tried to hone the gamified elements in the Aura app to bring out the best possible behaviors in its end users?

- What are Kelsey’s thoughts on building a community within the app and having people self-report their income on the app?

- What hope do young people have in the face of some of the stark financial realities they face?

- How does Kelsey think about self-deception and try to encourage her customers to avoid it?

https://www.aurafinance.io

Compliance Code: 1108-OAS-4/19/2023

Tune in to hear:

- How has Heather’s background in mental health shifted the way she leads and the way she goes to market?

- What advice, skills or resources does she try to imbue her advisors with to inoculate them against taking on too much of the stresses they help their clients work through?

- As practically as possible, what does “net worthwhile” look like and how does SignatureFD make it more than just a tagline?

- What led Heather to start using a bucketing strategy in the first place and what makes her approach unique?

- Why is SignatureFD's client retention rate so incredibly high? What do they do differently from their competition?

- Where does she think financial advice is headed in the next 10-20 years and how do the Tim Maurer’s of the world figure into this transition?

https://signaturefd.com

Compliance Code: 1088-OAS-4/18/2023

Tune in to hear:

- What are some of the psychology principles that Costco gets right as a brand?

- Is it better to make customer onboarding super fluid and effortless or to make it a bit more arduous and engage with the "sunk cost fallacy?"

- What is the “pratfall effect” and how was it used with great effect by brands like Apple, KFC and Domino’s?

- What is the “cocktail party effect” and how can we use it to our advantage?

- What does Nike do particularly well and how do they induce a sense of artificial scarcity?

- How can your average person in a consulting or advice type role leverage this concept of scarcity?

- Who distilled Cialdini’s 7 Principles of Persuasion down to just 3 and how are these best applied in practice?

Compliance Code: 0963-OAS-4/5/2023

https://www.linkedin.com/in/jenclinehens

https://www.choicehacking.com

Tune in to hear:

- Why does discussing money remain such a persistent taboo in our culture?

- Why is financial intimacy so critical and how can we work towards achieving it in our lives?

- How does financial intimacy, or intimacy more generally, relate to “feeling seen?”

- How can financial intimacy allow us to better see ourselves and unearth our personal money stories that have gone under our radar?

- We have a cognitive understanding that we can’t take our wealth with us when we die, but why is this so hard to understand in practice?

https://www.linkedin.com/in/MoneyandWellness

https://www.instagram.com/modomsolutions

Compliance Code: 0879-OAS-3/27/2023