CONFLICT OF INTEREST DISCLOSURE

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General

I’m primarily involved in consulting to the financial services industry (commercial applications of behavioural finance and wealth management process enhancements), financial literacy content generation,  and professional speaking.

Background

I have previously worked as a financial advisor with licenses held at MFDA and IIROC dealers. I am no longer licensed to transact on securities, nor do I provide advice to individuals. I have also previously been licensed in the life insurance industry, and have also previously worked as an investment fund wholesaler and fund product developer.

Income Sources / Relevant Activities

I provide keynote presentations, training sessions, panel participation, panel moderation, and master of ceremony duties on a regular basis. Roughly half of these engagements are for companies or organizations in the financial services industry.

  • 2012 and prior – I did not keep accurate records, but there were few engagements prior to 2013
  • 2013 – 14 engagements (paid)
  • 2014 – 26 engagements (paid)
  • 2015 – 22 engagements (paid)
  • 2016 – 20 engagements (paid)

I have a significant ongoing content development agreement with Tangerine Bank (paid) whereby I provide blog posts and participate in educational videos focused on financial literacy.

I have a significant consulting project with TD Bank (paid) that commenced in 2015 and is expected to last into 2017.

I regularly produce opinion/education freelance written and or video and or audio content for The Globe and Mail (paid) and MoneySense magazine (paid), but I  am not a journalist, nor do I have any journalism training.

I appear weekly (approximately) on The Morning Show (Toronto), and infrequently on The Morning Show (Canada) on Global Television Network (paid) for personal finance discussions.

I appear monthly (approximately) on CBC’s The National with Peter Mansbridge (unpaid) for personal finance and money related panel discussions.

I appear irregularly on NewsTalk1010 as a roundtable contributor (unpaid) and co-host on The Live Drive with Ryan Doyle (unpaid).

I appear irregularly on CTV Newschannel, CBC News Network, Global News, and CityTV (all unpaid) for personal finance and money related discussions on topics in the regular news cycle.

Referrals to Financial Advisors

I am often asked to provide recommendations for individuals looking for financial advisors, although I should be clear it is not my preference to do so. I do not have any standing referral arrangements or receive any monetary compensation on the rare occasions I facilitate individuals finding new financial advisor relationships. I make this clear to both financial advisors and the individuals looking for financial advisor recommendations. There have been two occasions where non-monetary gifts were received from financial advisors (valued less than $50 in each instance) and in both cases they were in the form of meals and/or alcoholic beverages.

I have personal relationships with a number of people tied to the financial services (including but not limited to financial advisors) who I socialize with on a regular basis. We often alternate covering food and beverage expenses for each other.