Your Wealthy Retirement: Reduce Risk & Grow Your Wealth With A Pension Styled Approach When New To Retirement

What does 30 years of watching Canada’s financial advice industry teach us about where investing is headed next?

In this candid conversation with Rob Carrick, recently retired Globe and Mail personal finance columnist, we unpack the evolution of financial advice, the rise of low-cost investing, and the under-served mass market that AI in finance could finally reach.

By the end of this episode, you’ll learn:

1. The three biggest changes in financial advice since the 1990s — and what still needs to happen.
2. How investing trends like ETFs, fee-only planning, and unbundled services are reshaping the industry.
3. Why AI in finance could bridge the gap for millions of Canadians lacking access to quality planning.

Listen now to hear Rob’s insider perspective on the past, present, and future of financial advice — and how to prepare for the investing trends that are coming next.

To visit John's website:

https://www.johndegoey.ca/

Think you make rational money decisions? You might want to think again — your behavioral biases are probably calling the shots.

In this episode, we revisit the roots of behavioral finance and explore four essential books that reveal why smart people still make predictably irrational money choices. From Nobel Prize-winning research to laugh-out-loud examples, these reads unpack the psychology behind your financial decisions and how to improve them.

You’ll discover:

1. How “Thinking Fast and Slow” explains the mental shortcuts that sabotage your wealth.
2. Why “Nudge” shows the subtle ways environments steer your decisions without you noticing.
3. The surprising humor in “Misbehaving” and “Predictably Irrational” that makes learning about biases fun.

Listen now to choose your next behavioral finance book and start turning your money biases into better decisions.

Are your investing habits hurting your future more than you realize?

If you've ever wondered why it's so hard to start investing—or why losses feel like a gut punch even when you're playing the long game—you’re not alone. Most of it comes down to your brain, not your bank account.

This week’s guest, Merle van den Akker, a PhD in behavioral science and Senior Product Manager at a major Australian financial institution, unpacks how investor psychology and behavioral finance shape every decision we make—from real estate to the stock market.

You’ll walk away with:

1. 💡 A clearer understanding of risk aversion vs. loss aversion—and why the difference matters
2. 🧠 How to use behavioral finance strategies to actually follow through on good money habits
3. 🛠️ Real-world nudges and automation tools that can help you invest smarter—especially when emotion tries to sabotage you

If you're ready to stop second-guessing every investment decision and build financial habits that stick—this episode is your blueprint.

▶️ Tune in now and take the emotion out of your investment strategy.

Do you know who’s really influencing your investment decisions?

Most investors assume their financial advisor has full discretion over portfolio recommendations. But behind the scenes, compliance departments are shaping your options in ways you might never have considered—especially when it comes to offering memorandum products.

If you’ve ever been told “this investment isn’t suitable” or wondered why alternative assets are capped at 10%, this episode unpacks the internal restrictions that affect your wealth strategy.

In this episode, you’ll discover:

1. How compliance policies impact your advisor’s ability to recommend certain products
2. Why many firms label offering memorandum products as “high risk”—even when they’re not
3. How internal risk frameworks may be quietly limiting your ability to diversify and grow wealth

Tune in now to understand the real gatekeepers of your financial decisions—and how to navigate around their limitations.

To visit John's website 

https://designedwealthmanagement.ca/

Are you still treating compliance as a roadblock instead of a strategic advantage?

If you're an advisor or in compliance, this conversation with Fardan Ali will challenge everything you’ve assumed about regulation, advisor relationships, and what true compliance partnership looks like.

Fardan, a compliance manager who’s worked with hundreds of advisors, breaks down why the compliance department shouldn't be your enemy — and how outdated best practices and legacy systems are damaging advisor productivity and client service.

In this episode, you’ll learn:

1. Why “Know Your Advisor” (KYA) is just as crucial as KYC and KYP
2. How reframing compliance as collaboration can boost your practice
3. What real, regulator-approved “meaningful discussions” should look like — and how to do them right

🎧 Listen now to shift your mindset on compliance and elevate your advisory practice.

https://designedwealthmanagement.ca/

To visit John's website

Are you underestimating the real impact of Donald Trump’s looming tariffs on your portfolio?

With the August 1st deadline approaching fast, the uncertainty around whether tariffs will actually be imposed—and how markets will react—is growing by the day. In this episode, journalist Diane Francis joins the conversation to unpack what might happen if Trump follows through, and what that could mean for your financial strategy.

You’ll learn:

1. Why August 1st could become a pivotal moment for global trade and your investments
2. How to build a decision tree for your portfolio in uncertain geopolitical times
3. What smart investors are doing now to think ahead—before headlines shake the markets

Listen now to stay ahead of the curve and make smarter portfolio moves before it’s too late.

To visit John's website

Are you prepared for what global politics and economics are about to throw at you?

In this episode, journalist and geopolitical analyst Diane Francis unpacks the ripple effects of U.S. tariffs, Canada’s recession risk, and the future of Ukraine—offering a sharp, economics-first lens on international power struggles.

With 50 years of reporting experience across world capitals, Diane shares blunt, deeply informed insights on how global decision-making is being reshaped in real time.

What you’ll learn in this episode:

1. Why understanding geoeconomics is more critical than ever for investors and citizens
2. The real impact of Trump’s tariff strategy—and why retaliation could backfire
3. How the war in Ukraine may end—and what global powers are doing behind the scenes

If you're trying to make sense of 2025's complex global reality, this episode is a must-listen. Get the full download on what’s coming next.

Diane Francis on Substack

Visit John's website

Ever wonder how professional portfolio managers actually make wealth decisions on your behalf?

In this episode, we sit down with Onno Rutten, portfolio manager at MacKenzie Investments, to explore what it really takes to navigate today’s changing investment landscape—especially when it comes to resources, deglobalization, and niche market strategy.

You’ll learn:

1. Why recency bias is holding back most advisors—and what smart managers do instead
2. How global changes like tariffs and reshoring are reshaping wealth strategy
3. When active investing might be the better move, especially in niche sectors like resources

To visit John's website 

https://www.mackenzieinvestments.com/en

Listen now to hear how the world’s best portfolio managers think through wealth decisions—so you can make smarter ones yourself.

Are your wealth decisions based on reality—or outdated assumptions?

Most investors stick with traditional strategies like 60/40 portfolios or chase headlines, but today’s markets—especially in resources—demand something far more nuanced.

In this episode, we go inside the mind and process of Onno Rutten, Vice President and Portfolio Manager at MacKenzie Investments, who manages mutual funds and ETFs focused on the resource sector. He breaks down the macro forces reshaping the global economy and how disciplined portfolio management adapts to those changes.

You’ll learn:

1. Why sustainable free cash flow is the ultimate metric in resources investing
2. How to recognize macro themes like deglobalization and de-dollarization early—before they price in
3. What retail investors and advisors get wrong about portfolio construction and risk management

Discover how to think like a professional portfolio manager—so you can make better wealth decisions today. Tune in now.

To visit John's website 

Mackenzie Investments

Have you ever considered music royalties as part of your investment portfolio?

Most investors stick to the usual suspects—stocks, bonds, mutual funds—because that’s what they know. But what if you’re missing out on a high-performing, low-volatility income stream that’s been hiding in plain sight?

In this episode, we dive into music royalties as a powerful and underutilized alternative asset. You’ll learn how this stable income source can improve risk-adjusted returns and why it could be the smartest wealth decision you make this year.

Here’s what you’ll discover:

1. How music royalties generate consistent returns—often 7%–9%—with low risk
2. Why traditional portfolios may underperform in the coming decade
3. The practical considerations of investing in music royalties, including liquidity and allocation tips

Listen now to explore how music royalties can help you build a more resilient and profitable portfolio.

To visit John's website

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