conflicts of interest disclosure
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.
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 paid engagements prior to 2013
2013 - 14 engagements (paid)
2014 - 26 engagements (paid)
2015 - 22 engagements (paid)
2016 - 20 engagements (paid)
2017 - 25 engagements (paid)
2018 - 27 engagements (paid)
2019 - 24 engagements (paid)
2020 - 14 engagements (paid)
2021 - 12 engagements (paid)
I have a significant paid, ongoing content development agreement with BMO Bank of Montreal whereby I provide educational investment videos and written articles appearing on their site(s). I had a significant consulting project with TD Bank (paid) between 2015 and 2017, and during 2020. I had a significant content development agreement with Tangerine Bank (paid) whereby I provided blog posts and participated in educational videos focused on financial literacy from 2012 to 2019.
I regularly produce opinion/education freelance written and or video and or audio content for The Globe and Mail (paid) and previously for MoneySense magazine (paid), but I am not a journalist, nor do I have any journalism training.
I appeared monthly to quarterly (approximately) on CBC’s The National with Peter Mansbridge (unpaid) for personal finance and money related panel discussions between 2010 and 2017.
I appear/have appeared irregularly on NewsTalk1010 as a roundtable contributor (unpaid) and co-host on The Live Drive with Ryan Doyle (unpaid), as well as serving as a back-up host for Jim Richards (Paid) on occassion, and once for John Moore (paid). I have also been a contributor on The Morning Show (Toronto and Canada) on Global Television Network (paid), CTV Newschannel (unpaid), CBC News Network (unpaid), Global News (unpaid), and CityTV (unpaid) for personal finance and money related discussions on topics in the regular news cycle.
My podcast "Mostly Money" had not been monetized from 2012 to 2020. In 2021 I ran one sponsored episode for BMO Exchange Traded Funds.
My YouTube channels are monetized through the YouTube/Google Adsense programs.
My blogs include Google Adsense ads.
Some links to Amazon from my various internet properties may be affiliate links. As an Amazon Associate I earn from qualifying purchases.
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, however note that I have an interest in a few companies that may earn income from financial advisors or financial services related entities. 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.