Fintech Impact

Jason Pereira welcomes Madalyn Armijo, Co-founder and COO of Dispatch, a revolutionary platform designed to seamlessly integrate multiple financial advisory systems. This discussion delves into the platform's inception, its mission to eliminate redundant data entry, and its broader impact on the financial advisory landscape. The conversation offers insightful perspectives on the future of fintech and the challenges of modernizing financial advisory services. Episode Highlights: 01:04: Madalyn Armijo shares the origin story of Dispatch, highlighting the collective realizations among the co-founders regarding the persistent data management challenges faced by financial advisors. This moment of insight led to the conception of Dispatch, aimed at addressing these issues comprehensively and efficiently.04:08: Madalyn characterizes Dispatch as a foundational utility within the wealth tech ecosystem, akin to a public utility, facilitating seamless data orchestration without requiring advisors to manage the intricacies of system-by-system integration. 04:56: The discussion narrows down to the specific type of data Dispatch handles client information”and how it overcomes the inherent complexity and variability of such data across different platforms through sophisticated normalization and translation techniques. 06:11: The flexibility and customization offered by Dispatch are elaborated upon, demonstrating how the platform can adapt to a range of utilization scenarios, from advisor-led data entry to client-driven information input, thereby streamlining the onboarding process. 10:46: Madalyn explains how Dispatch extends beyond mere data integration to facilitate smoother account opening processes, reducing the burden on advisors and enhancing the client onboarding experience through digital solutions that obscure the complexities of dealing with multiple custodians.15:52: Looking towards the future, Madalyn envisions expanding Dispatch's capabilities horizontally across the financial services sector, suggesting a broader application of the platform's integration and data management solutions beyond the advisory space. 18:24: The concluding segment invites reflection on the challenges and aspirations associated with developing and scaling Dispatch, emphasizing the critical role of talent acquisition and the unwavering passion of the team for innovating within the fintech industry. Key Points:Dispatch aims to transform the financial advisory landscape by enabling seamless integration of disparate systems, thereby addressing the perennial issue of manual data entry and error management. The platform’s focus on client data and its capacity to normalize and translate this information across various systems highlight a novel approach to tackling the complexities of data management in wealth tech. Flexibility and customization are central to Dispatch’s value proposition, offering tailored solutions that accommodate diverse operational needs and preferences among financial advisors.Tweetable Quotes:"In our industry, simplifying data integration is not just a convenience, it's a game changer." - Madalyn "Dispatch is like a public utility for financial data, laying the groundwork for a more efficient and error-free advisory process." - Madalyn "A delightful user experience in fintech is not just a nice-to-have; it's essential to driving adoption and satisfaction." - Madalyn Resources Mentioned:Facebook – Jason Pereira's Facebook LinkedIn – Jason Pereira's LinkedIn Woodgate.com – Sponsor LinkedIn – Jason Pereira's LinkedIn https://www.linkedin.com/in/madalyn-armijo/  Hosted on Acast. See acast.com/privacy for more information.

In this episode of Fintech Impact, Jason Pereira interviews Jonathan Faerman, founder of Investium, a revolutionary platform that facilitates co-investing in real estate by connecting like-minded individuals. They dive into the platform's origins, its functionalities, and the value it offers to its users, illustrating how technology is transforming the way we approach real estate investment.Episode Highlights:00:26: Jonathan shares the concept behind Invest, emphasizing its role as a networking site where users can connect based on shared investment objectives and preferences. He details the platform's user-friendly setup process, highlighting its emphasis on compatibility and ease of use.02:16: Jonathan touches on the struggles of finding investment partners and how these experiences seeded the idea for Invest. His emphasis on leveraging online connections for real estate partnerships underscores the innovative approach of the platform.03:21: Here, Jonathan elaborates on the user journey within Invest, from account creation to matching with potential co-investors. His description provides insights into the platform's security measures and the user verification process, reinforcing its credibility.05:17: This segment delves into the diverse user base of Invest, ranging from individual investors to more experienced ones looking for substantial projects. Jonathan's analysis of user demographics reveals the platform's broad appeal.09:01: Jonathan outlines his vision for Invest's future, focusing on expanding services and user base to maximize value and reach within the real estate investment community.09:50: Feedback from users is shared, emphasizing positive responses, especially regarding the platform's security features and its ability to connect people with unexplored co-investment opportunities.11:05: Jonathan expresses a wish to simplify the real estate investment process further, identifying the complexities and barriers that currently deter potential investors.11:41: The conversation shifts to challenges faced in scaling Invest, stressing the importance of effective communication and outreach to potential users.12:10: Highlighting what motivates him, Jonathan shares the excitement derived from user feedback and the joy of designing and implementing new features on the platform.12:47: Jason concludes the interview, thanking Jonathan for his insights and outlining the episode's closure.Key Points:Invest seeks to streamline the co-investment process in real estate, facilitating connections between like-minded individuals through a tailored matchmaking approach.The platform emphasizes security and user verification, ensuring a trusted environment for investment discussions and collaborations.By focusing on user feedback and the incorporation of new functionalities, Invest is poised for growth, aiming to expand its services and user base further.Tweetable Quotes: "If you can meet a life partner online, why can't you meet a business partner online?" - Jonathan"Investing in real estate requires a big team. We're looking to facilitate that collaboration within our platform." - Jonathan"Our main goal is to remove barriers in the real estate industry, making investment opportunities more accessible to everyone." - JonathanResources Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorLinkedIn – Jason Pereira's LinkedInhttps://www.linkedin.com/in/jonathan-faerman/  Hosted on Acast. See acast.com/privacy for more information.

In this episode of Fintech Impact, Jason Pereira interviews Emmanuel Daniel, the founder of TAB Global, to discuss his groundbreaking book "The Great Transition." This book explores the seismic shifts happening within the banking sector, propelled by the advent of digital technologies and open banking, reshaping the landscape for both consumers and financial institutions. Together, they unpack the essence of banking transformation and what it signifies for the future. Episode Highlights:00:10: Jason introduces the episode with guest Emmanuel Daniel, who is set to discuss the transformation of the banking industry, as outlined in his book, "The Great Transition." The introduction sets the stage for a conversation aimed at decoupling the current and future states of banking, touching upon the evolution towards a more digital, open model that empowers customers and challenges traditional banking paradigms. 00:35: Emmanuel Daniel expresses gratitude for being on the program, preparing listeners for an insightful discussion on the radical shifts within the banking sector and the overarching themes of his book.01:55: Emmanuel continues to unfold the narrative of banking transformation, highlighting the fundamental shift from physical banking paradigms to a digital era where direct transactions and personalized finance are becoming the norm. This segment bridges historical context with current technological innovations, illustrating a future where banking is no longer constrained by traditional infrastructures. 03:03: The discussion shifts towards the convergence of decentralized finance with traditional banking, underscoring the forthcoming challenges and opportunities. Emmanuel discusses how central banks are preparing for a digital transformation, signifying a groundbreaking shift in how financial services are rendered and consumed. 04:13: Jason acknowledges the depth of Emmanuel's insights, proposing to dissect specific transformative trends and their implications on the banking industry further. This moment offers a brief reflection on the broad spectrum of changes discussed. Key Points:The transformation of banking is not merely about adopting new technologies but involves a fundamental shift towards personalized finance, challenging traditional banking models.Decentralized finance and digital currencies are catalyzing a major shift in banking operations, customer interactions, and regulatory frameworks.For banks to remain relevant, they must embrace open banking, prioritize customer-centric products, and navigate the complex regulatory landscape with innovative solutions. Tweetable Quotes:"In our industry, transformation has many faces but one core: the shift towards personalized, decentralized finance." - Emmanuel Daniel"Banking is at a crossroads, facing the digital revolution head-on. The future belongs to those who embrace change." - Emmanuel Daniel"Regulations frame the game, but innovation changes the rules. Banks must navigate this landscape with foresight and agility." - Emmanuel Daniel Resources Mentioned:Facebook – Jason Pereira's Facebook LinkedIn – Jason Pereira's LinkedIn Woodgate.com – Sponsor LinkedIn – Jason Pereira's LinkedIn https://www.linkedin.com/in/emmanuel-daniel-5764482  Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Rohit Agarwal, Co-CEO of SORA Finance. They delve into the revolutionary platform SORA Finance, which empowers advisors to effectively manage and discuss clients' debt and debt restructuring. The episode offers a deep dive into the functionalities, challenges, and the significant impact of SORA Finance in optimizing the liabilities side of clients' balance sheets. Episode Highlights: 01:26: Rohit delves into the intricacies of how SORA Finance operates, including data aggregation, analytic capabilities, and an ecosystem of lending partners. He explains the platform's unique value proposition in providing actionable alerts and insights to advisors, thereby allowing proactive debt management strategies.02:13: The origin story of SORA Finance is shared, tracing back to the identification of a significant pain point in the market excess interest paid by Americans due to unoptimized debt. This foundation story illustrates the vision and motivation behind SORA Finance.03:00: Discussion on the pressures advisors face to justify their fees and the realization that managing liabilities could serve as a differentiator in the market. This insight led to pivoting SORA Finance's focus towards serving financial advisors directly.04:36: Jason and Rohit touch on the design philosophy behind SORA Finance, emphasizing the importance of user experience and the platform's pivot towards a model that serves advisors directly. The segment reveals strategic decisions that shaped the platform's development.06:05: The challenges and opportunities in integrating liability management into advisors' practices are explored, along with how SORA Finance addresses these through innovative technology and strategic partnerships.07:06: The conversation shifts towards the impact of SORA Finance on advisors' practices, including enhancing client relationships through proactive debt management and providing competitive loan options through a vast lending ecosystem.08:03: Rohit explains the technical capabilities of SORA Finance in aggregating comprehensive loan data, thereby enabling informed advisory decisions and actions. This segment sheds light on the technological backbone of SORA Finance.Key Points: SORA Finance is transforming how advisors handle the liabilities side of client balance sheets by providing a robust platform for data aggregation, analytics, and access to a wide network of lending partners.The platform originated from identifying a gap in the market where Americans were paying excess interest due to unoptimized debt structures.Feedback from advisors has been instrumental in evolving SORA Finance into a must-have tool, emphasizing the importance of managing liabilities as part of comprehensive financial planning.Tweetable Quotes: "In our journey with SORA Finance, we've seen first-hand how critical managing liabilities is, not just for the financial health of clients but as a service differentiator for advisors." - Rohit Agarwal"By focusing on liabilities with the same rigor as assets, we're not just adjusting a balance sheet; we're redefining the value of financial advice." - Jason Pereira"Transforming debt management from an overlooked aspect to a core component of financial planning is at the heart of SORA Finance's mission." - Rohit AgarwalResources Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorLinkedIn – Jason Pereira's LinkedIn Hosted on Acast. See acast.com/privacy for more information.

Jason Pereira engages Whit Lanier, CEO and Co-founder of Amplify Reviews, in a conversation about how financial advisors can harness the power of online reviews to enhance their visibility and attract more clients. Lanier delves into the transformative SEC marketing rule changes and shares his insights on the impact of positive client testimonials in the financial industry, drawing parallels from his previous experiences in healthcare. This episode is a treasure trove for advisors seeking to leverage digital platforms for growth. Episode Highlights:00:09: Jason introduces the episode's focus on Amplify Reviews, a pivotal tool for financial advisors aiming to elevate their business through structured client reviews. Whit Lanier shares his enthusiasm for discussing the subject, setting the stage for a deep dive into the transformative potential of online reviews in the financial sector. 00:57: Lanier explains the significant impact of the SEC marketing rule changes, highlighting the newfound ability for financial advisors to use testimonials in their marketing efforts. He emphasizes the universal application of online reviews across industries and suggests that the financial industry is no exception, marking a pivotal shift towards enhanced online presence for advisors. 01:51: Lanier recounts the journey to creating Amplify Reviews, drawing on his experience from a successful healthcare technology startup. He discusses how his team leveraged patient experience data to boost hospitals' online ratings and foresees a similar impactful adoption of online reviews in the financial sector. 05:27: Lanier addresses the complexities and regulatory nuances of using Google reviews for financial advisors, discussing the potential strategic and regulatory pitfalls compared to a more controlled platform like Amplify Reviews. 07:12: Lanier elaborates on the compliance-friendly features of Amplify Reviews, ensuring advisors can confidently manage and publish client testimonials without fear of contravening SEC regulations. 09:54: Although still early in its adoption within the financial industry, Lanier shares optimistic projections for Amplify Reviews based on analogies from healthcare, emphasizing the conversion lift potential from having published online reviews. 13:28: Lanier reflects on the positive feedback from early users and identifies messaging and value proposition as areas for improvement to fast-track adoption among financial advisors. Key Points:The SEC marketing rule changes present a golden opportunity for financial advisors to use client testimonials effectively, aligning the financial industry with broader online review practices.Amplify Reviews offers a structured, compliant platform for financial advisors to manage client feedback, ensuring positive initial impressions and ongoing reputation management. The adoption of online reviews is seen as inevitable in the financial industry, driven by consumer demand for transparency and authenticity. Tweetable Quotes:"Online reviews will become a common part of the financial advisor experience." - Whit Lanier"Embracing online reviews early on can win advisors a disproportionate amount of business." - Whit Lanier"The messaging and value proposition around online reviews are critical to accelerating adoption in the financial sector." - Whit Lanier Resources Mentioned:Facebook – Jason Pereira's Facebook LinkedIn – Jason Pereira's LinkedIn Woodgate.com – Sponsor LinkedIn – Jason Pereira's LinkedIn https://www.linkedin.com/in/whitlanier/  Hosted on Acast. See acast.com/privacy for more information.

In this episode of Fintech Impact, host Jason Pereira speaks with Mark Gilbert, Co-founder and CEO of Zocks Communications. Zocks Communications introduces an artificial intelligence-driven meeting assistant designed specifically for financial advisors. Throughout the discussion, Gilbert delves into the origins of Zocks, its innovative approach to capturing and structuring meeting-based data, and the broader implications of AI in enhancing advisor-client interactions.Episode Highlights:00:09: Jason Pereira introduces Mark Gilbert and discusses Zocks Communications, an AI-driven platform created to assist financial advisors by capturing crucial information from meetings. Gilbert shares his excitement about the project, painting a picture of a semantic-rich platform that swiftly organizes and presents meeting data, simplifying follow-up processes for advisors.00:56: Mark Gilbert shares the backstory of Zocks Communications, sparked by his experiences at Twilio and the emerging demand to mine actionable data from client communications. With a grin, he acknowledges the accidental yet timely intersection with the rise of large language models (LLMs), emphasizing the goal of creating a secure, privacy-focused tool that excels in extracting meaningful data from conversations.03:10: Diving deeper, Gilbert discusses how Zocks stands apart from general-purpose note-taking applications by targeting financial advisors' specific needs - identifying and structuring data on assets, goals, and client profiles. This strategic focus allows Zocks to generate actionable insights, streamline follow-up communications, and enhance relationship management through tailored data extraction.05:18: Gilbert elaborates on how Zocks goes beyond note-taking by employing the structured data to support various advisor workflows, including client communication and regulatory compliance. He portrays a vision where advisors spend less time on data entry and more on insightful advisory, thanks to Zocks' backend sophistication and its potential for CRM, planning, and task management system integrations.Key Points:Zocks Communications introduces an innovative AI-driven platform tailored to address the unique data capture and analysis needs of financial advisors, enhancing the efficiency of meeting follow-ups.The platform distinguishes itself by focusing on specific data points relevant to the financial industry, offering a more personalized and actionable output compared to general-purpose note-taking tools.Strategic integrations with CRM and planning systems are on the horizon, poised to further streamline advisory workflows and enable more meaningful advisor-client interactions.Tweetable Quotes:"Zocks Communications: Simplifying adviser follow-ups with AI-driven precision." - Mark Gilbert"At the intersection of technology and finance, Zocks pave the way for next-gen financial advising." - Jason Pereira"Embracing AI in financial advisory not only streamlines operations but enhances client relationships." - Mark GilbertResource Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorPodcast EditingZocks Hosted on Acast. See acast.com/privacy for more information.

In this episode of Fintech Impact, host Jason Pereira interviews Matt, the CEO of EncorEstate Plans. EncorEstate Plans is an advisor-led tool designed to assist clients in creating and implementing their estate plans seamlessly within one comprehensive system. The platform enables financial advisors to guide clients through the process of developing personalized estate plans, providing a streamlined and efficient solution for estate planning.Episode Highlights:04:08: The conversation takes a personal turn as Matt shares a family tragedy that served as a catalyst for creating EncorEstate Plans, illustrating the real-world consequences of inadequate estate planning.07:06: Matt highlights the core belief behind EncorEstate Plans, emphasizing the value financial advisors provide in guiding clients through the estate planning process. He discusses the limitations of DIY software solutions and the persistent gap in estate planning despite their availability.11:56: Matt addresses the limitations of EncorEstate Plans, acknowledging that it may not be suitable for everyone. The platform is tailored for the mass affluent, and advisors are equipped to determine when software is appropriate and when clients should seek legal advice from an attorney.16:55: Matt discusses the documentation process, emphasizing the need for clear client decisions and the validation of those decisions through summaries and email communication. The platform aims to provide due diligence in documenting clients' desired estate plans and ensuring their ownership of the decisions made.21:02: Matt explains the variability in how advisors use EncorEstate Plans, allowing them to decide whether the client takes the first pass on the questionnaire or if they walk through the process together.26:02: Matt introduces the process of restating existing plans, leveraging the information from the client's old documents. He explains how the questionnaire is filled out based on the information extracted from the existing plan.Key Points:EncorEstate utilizes technology to simplify and enhance the estate planning process for financial advisors, making it more accessible for both advisors and clients.Matt advocates for financial advisors to adopt flexible payment models beyond the traditional AUM, ensuring broader access to financial advice.The conversation highlights the growing importance of estate planning as a fundamental aspect of financial advisory services, emphasizing its transformative impact on client relationships.Tweetable Quotes:"Estate planning isn't an add-on; it's a core part of financial advisory. It's table stakes for advisors in the industry." - Jason"Our goal is to enable old documents to become new with less than 10 minutes of effort, transforming the outdated estate planning experience." - Matt"Access to advice is crucial. We need advisors with flexible models to serve different client levels, moving the industry in the right direction." - MattResource Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedIn Woodgate.com – Sponsor  linkedin.com/in/matt-morris-1557ba9bPodcast Editing Hosted on Acast. See acast.com/privacy for more information.

Jason interviews Nicholas Palahnuk, the founder and CEO of PhilanthPro Solutions. PhilanthPro is a platform designed to assist individuals in planning and managing charitable giving at scale. The conversation highlights the challenges in catering to diverse stakeholders and expresses a shared excitement for contributing to impactful philanthropy.Episode Highlights:01:00: Nicholas introduces PhilanthPro as a digital platform for clients to plan and manage charitable accounts with features like financial planning, green planning, relationship management, governance, records, charitable news, and a learning hub.07:21: Nicholas outlines the initial steps after a client decides to make a sizable charitable donation, considering financial planning and multi-year contributions.13:20: Nicholas discuss on how clients use the tool to simulate scenarios, entering large grants to see the impact on future distributions and making informed decisions instantly.17:17: Discussion moves to advisor feedback, with Nicholas mentioning that advisors find value in deeper connections with their philanthropic clients. The tool helps in understanding grant plans, which can impact investments, enhancing communication and planning.23:08: Nicholas agrees and mentions potential use cases, including charities interested in smoothing out donations and encouraging multi-year commitments. He notes the positive response from various pockets of the philanthropic community, financial advisors, and non-profits.27:43: Nicholas shares that what excites him the most about PhilanthPro is being involved in facilitating impactful philanthropy. He finds it incredible to work with clients who have decided to use their funds to make a positive difference in the world, filling gaps where needed and making a meaningful impact.Key Points:Nicholas outlines how PhilanthPro Solutions' platform simplifies the management of philanthropic endeavors, covering grant tracking, legal obligations, and financial planning in a user-friendly interface.Advisors find value in the platform as it deepens their connection with philanthropic clients, allowing better planning for grants and minimizing surprises in financial decisions tied to investments.The goal is to enhance collaboration, encourage multi-year commitments, and provide a data-driven benchmarking tool for users.Tweetable Quotes:" PhilanthPro is more than a tool; it's a solution that streamlines the entire philanthropic process, connecting advisors, clients, and nonprofits for impactful giving." - - Nicholas"PhilanthPro is not just a platform; it's a tool to support those making a difference. Frontline nonprofits and philanthropists deserve the honor for their incredible work.” - Nicholas"Our goal is to make PhilanthPro an industry standard, empowering everyone involved in philanthropy with the tools and insights they need to create positive change in the world." - NicholasResource Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.linkedin.com/in/npalahnuk/Podcast Editing Hosted on Acast. See acast.com/privacy for more information.

In this episode of Fintech Impact, host Jason Pereira interviews Dave Glaser, the CEO of Dwolla, a leading digital payment solution that empowers third parties to offer streamlined and unified payment processing services. Dwolla's innovative platform facilitates efficient and secure digital transactions, revolutionizing the way businesses handle payments.Episode Highlights:05:36: Dave delves into the global theme of account-to-account processing, highlighting its rapid adoption in the U.S. This period coincided with the rise of fintech and the increased need for remote access to funds, especially during the COVID-19 pandemic.07:30: The conversation touches on Dwolla's evolving responsibility, moving from a B2C to a B2B provider. Dwolla now focuses on servicing businesses that interface with millions of consumers in their networks.11:25: Dave agrees with Jason's assessment, tracing the history of the ACH system and its evolution as money became more digital. He highlights the continuous innovation, from mainframe connectivity to modern cloud-based systems and mobile apps, democratizing access to exchanging money.13:36: Dave explains the significance of businesses digitally transforming their systems, processes, and moving to modern app-based, cloud-based systems. Dwolla aims to provide account-to-account solutions, emphasizing their lower cost, speed, and competitiveness compared to traditional methods.16:17: Dave delves into the motivators for banks, stating that deposits are the primary source of revenue, guiding banks in their decisions and incentivizing their actions. He emphasizes that while banks add value-added services, deposits remain the core focus.21:05: Dave identifies competition as the most significant challenge, emphasizing the fierce competition in the payment space. He highlights the necessity for efficiency, focus, strategic hiring, partnerships, and optimal resource utilization in the face of strong competition.Key Points:Dwolla is a leader in the United States for B2B enterprises processing account-to-account payments, with a focus on providing efficient and low-cost solutions for consumers and small businesses.Over the years, Dwolla has pivoted its focus from providing payments for consumers and small businesses directly to offering its API for the banking network.Dwolla is adapting to the evolving trends in the industry by focusing on providing faster payment methods and open banking tools through its platform.Tweetable Quotes:"Banks are primarily driven by deposits. Deposits are always at the core for banks and the way they think about things." - Dave Glasser"Competition in the payment space is fierce. Start-ups in this space have to be very efficient, very focused, very driven." - Dave Glasser"I get to bring account-to-account payments and open banking innovations to the US. I can't wait to get out of bed every day to do it." - Dave GlasserResource Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.linkedin.com/in/daglaser/https://www.dwolla.com/  Hosted on Acast. See acast.com/privacy for more information.

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: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.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.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 HoweResource Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.linkedin.com/in/cameronhowe/?original_referer=https%3A%2F%2Fwww%2Egoogle%2Ecom%2F&originalSubdomain=cahttps://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:LegalWills aims to simplify estate planning, catering to diverse needs, including those of blended families.Tim discusses the challenge of balancing growth and service quality as Legal Wills has steadily expanded without external funding.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 FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://legalwills.company/https://www.linkedin.com/in/timhewson/?originalSubdomain=caPodcast 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:Elements serves as a platform for assessing financial vitals, offering a quick and accessible way to analyse a client's current financial situation.Financial vitals, unlike traditional planning, address the present needs and concerns of clients, providing insights that complement the future-oriented approach of financial planning.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 FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://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: Facet operates with a strong mission-oriented culture, emphasizing the team's commitment to changing financial planning for the better.The discussion explores challenges when clients outgrow advisors and the potential for AI to drive down costs, making financial planning more accessible.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." - AndersResource Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://facet.com/ Hosted on Acast. See acast.com/privacy for more information.

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: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.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."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.” - JasonResource Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorPodcast 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:A leader in international student financing, MPower Financing focuses on empowering students from 200 countries attending over 400 universities in the US and Canada.The company's mission is to address the unique financial obstacles encountered by students studying abroad.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 FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorPodcast 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: Ian McKenna discusses the evolution of advisorsoftware.com from a UK-focused platform to a global solution for international financial planning.Jason and Ian explore challenges faced by banks entering advisory services, regulatory dynamics, and the positive impact of stricter regulations on financial advisors' success.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 McKennaResource Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://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:Shalicia's goal is to make financial advice more accessible to everyone and eliminate the fear associated with seeking financial guidance.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.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 HarrisResources Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.linkedin.com/in/shalicia-h-8176b0b7/?originalSubdomain=cahttps://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: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.AltExchange addresses challenges in the post-investment phase, helping advisors track actions and workflows after an investment is made.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 FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorPodcast Editing Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Andrew Butt, Co-Founder and CEO of Enable. Enable is a platform for managing B2B rebates a problem that exists at scale. Andrew describes Enable as a cloud-based platform fostering collaboration among supply chain stakeholders, including manufacturers, distributors, and retailers, focusing on trading agreements.Episode Highlights:01:03 Andrew shares the history of Enable, rooted in his background of building software. He recounts encountering the complex rebate management issue at a fast-growing UK distributor, where manual Excel spreadsheets were used due to ERP limitations.04:30 Andrew adds the loyalty element to rebate programs, drawing parallels with consumer loyalty programs like air miles or coffee shop rewards. The discussion emphasizes the role of rebates in fostering loyalty and influencing consumer behaviour.07:23 Andrew and Jason discuss the reconciliation challenges in traditional systems, including conflicts, different data sets, and timing issues. This conversation underscores the importance of transparency and collaboration in overcoming these challenges.11:24 Andrew highlights the importance of alignment across the supply chain, emphasizing that effective rebate management fosters collaboration among trading partners and how their platform serves as a tool for aligning interests, meeting customer needs, and sharing rewards to enhance overall supply chain performance.17:20 Jason explores the concept of the platform evolving into a more dynamic marketplace where rebate agreements resemble an auction-like system for which Andrew acknowledges the potential for negotiations and dynamic offers, drawing parallels to Google Adwords' instantaneous pricing model.22:40 The excitement for Andrew lies in the transition from being a piece of software to evolving into a network. The prospect of becoming a network-driven model and the associated opportunities ahead drive Andrew's enthusiasm.Key Points:Rebates play a crucial role in business models, with manufacturers strategically using them to incentivize behaviours like volume purchasing. The complexity of rebate management is highlighted, with instances where businesses rely on rebates for profitability, and more than 75% of global trade involves rebates.The future trajectory involves expanding coverage for various rebate agreements, providing more insights, and transitioning from a simplifying tool to a strategic driver for business performance.Tweetable Quotes:"Rebates aren't just discounts; they strategically shape behaviours. More than 75% of global trade involves rebates, and for distributors, rebates make up an average of 100% of profit.""Automation in rebate management isn't just a time-saver; it's a game-changer. Freeing up personnel from manual tasks and providing valuable insights for informed decisions."“Negotiations and dynamic offers become a reality, drawing parallels to Google AdWords’ instantaneous pricing model."Resources Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsor Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Zach Conway, co-founder and CEO of Seeds. It is a platform that allows advisers to better assess investors and personalize their portfolios in order to create a better engagement with them. Zach highlights the traditional mechanical investing process with Seeds' approach, which aims to make investing more meaningful and engaging for both the investor and the advisor.Episode Highlights 02:07: Zach stresses the importance of understanding your client deeply. By asking the right questions, one can understand their needs, desires, and values. This is essential for delivering a personalized experience.05:13: Zach emphasizes the difference in their approach. Instead of explaining the money management strategy, they take clients through a digital assessment to unpack their personal investment mindset and behaviors.08:19: Zach speaks about side-by-side analysis of the current and proposed portfolios. He highlights the platform's capabilities, from portfolio construction to implementation and management.10:39: The traditional process of managing money and the flaws in not truly understanding the client's perspective, says Zach.15:54: Zach stresses the need for a change in the narrative, moving away from the emotional investment stories driven by fear and greed. He talks about the ongoing struggle and their aim to rectify this perception in the industry.17:16: Zach talks about the prevalent sales conversations in the industry when clients walk in and the narrative around money management. He comments on the industry's realization of the pitfalls of this narrative, especially when the S&P decreases.23:05: Zach talks about presenting a three-dimensional story to the investor. The focus can be on values alignment, risk exposure, or other aspects based on the client's persona. He emphasizes the need for personalized storytelling in the industry.27:22: Jason talks about the next generation's perception of investing and mentions the disconnect in the industry's marketing and actual delivery.33:25: Zach expresses excitement about the prospect of creating a future where investors feel heard and understood, and advisors provide value by aligning investments with clients' values and goals.3 Key PointsSeeds takes a client-centric approach by understanding an investor's analytical nature, interest in emerging trends, values, and ethical concerns. They emphasize the importance of aligning investments with these factors.Seeds aims to make investing more meaningful and engaging for both investors and advisors, contrasting this approach with traditional mechanical investing processes.Zach emphasizes the need for a shift in the industry's narrative, moving away from focusing solely on investment returns to understanding clients deeply and shaping portfolios around their values.Tweetable Quotes"Understanding your client deeply is essential for delivering a personalized investment experience." - Zach Conway"Our goal is to provide a personalized investment experience from initial assessment to ongoing portfolio management and reviews." - Zach Conway"It's not about the technology, it's about how it's applied. Sustainable organic growth is the key." - Zach ConwayResources Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsor Hosted on Acast. See acast.com/privacy for more information.