Standard Deviations with Dr. Daniel Crosby

Nick Saleem is the Co-Founder of United Wealth Group and has been in the Financial Services Business since 1997. Nick focuses his practice around the Medical and Physician market and specializes in retirement and estate planning, insurance and employee benefit plans. Nick currently works with over 500 clients, and he is passionate about creating innovative solutions which fit their individual needs. Tune in to hear: - What are some of the unique fiscal or emotional challenges immigrants sometimes face? - Nick’s perspective, as an immigrant, on “The American Dream” - Why immigrants are often more inclined to entrepreneurial ventures than people born in the US - Are there structural or systemic reasons why immigrants are often kept from more traditional forms of employment, choosing instead to forge their own path? - How financial professionals can help clients balance financial best practices with their specific cultural sensitivities - What are some unique challenges immigrant families face in becoming financially independent? - What habits does Nick see in his immigrant clients that might strengthen the broader American money culture? Web: www.unitedwealthllc.com

Maddie has a Masters in Behavioral Science from the London School of Economics. She is the co-founder and director of Salient, which is a behavioral science consultancy, and she is head of membership at the newly formed Global Association of Applied Behavioral Scientists. Maddie also enjoys teaching yoga whenever she can. Tune in to hear: - Western philosophy tends to think of the self as static and immutable, while Eastern philosophy thinks about the self in more contextual ways. Which conception of self is most conducive to self-growth or are there positive takeaways from both perspectives? - In existential philosophy there is a thought that existence precedes essence. In practice, does it seem like we unearth a “true” self that has always been there, or do we shape and define our selves as we move through live? - How do we scrape away the behavioral biases that keep us from seeing who we really are? - Behavioral biases do serve a positive purpose when they aren’t over extended; they protect our ego and help us be self-confident. As we start to chip away at these, to get a more honest picture of our self, how do we push through the discomfort and desire to retreat from the uncomfortable truths we discover? - What roles do others play in the road to self-discovery and what are some hallmark characteristics of someone in one’s life that can help them better understand themselves? - Ideally one’s personality would inform the type of work they do, but is this a privilege that few can enjoy or is this in grasp for most people? - How can one balance a desire to make systemic, global change and the equally important role of making micro resolutions that help those who are geographically and emotionally closest? #Maddie Quinlan #Existentialism #Existential Philosophy #Logical Fallacy #Logical Fallacies #Biases #Availability Bias #Self #The Self #Cognitive Biases Twitter: @maddiequinlan Web: www.thisissalient.com

Maxine Gray is the Business Strategy Development and Implementation Manager at Investec Wealth, South Africa. She is an ambassador for the United Nations Global Compact of young SDG innovators. Maxine has also been a board member of imagine.nation (NPO) since 2015, and she is the founder of Winter Warmer drive (2010-2020), helping over 20,000 people keep warm during winter. Tune in to hear: - What are the UN’s sustainable development goals and how do they relate to investing and business? - How did the UN settle on goals which were unanimously approved by all member nations? - There are, of course, ethical and personal reasons to run a company that is generous and environmentally sustainable, but are there financially-motivated reasons as well? - What are the differences between shareholder capitalism and stakeholder capitalism and how might these approaches coexist? - Why environmental concerns are finally being considered legitimate risks to business - How the “sdgs” are interconnected and why focusing on one will improve others LinkedIn: https://www.linkedin.com/in/maxine-gray-18924367/?originalSubdomain=za

Jess Von Bank (also known as JVB) is the head of marketing at Leapgen and the founder of the global world of work community Now of Work. JVB is proficient with, and passionate about, HR tech and connecting talent to opportunity. She lives in Minneapolis, MN with her three daughters and enjoys obstacle races and dark chocolate. Tune in to hear: - What are potential long-term changes to the world of work as a result of the massive spike in unemployment? - How freelance and contract work can be mutually beneficial for organizations and individuals, allowing them to stay nimble, in a volatile economy - How we can rethink the compensation of contract workers to make it more personal, give them more financial security and to maintain a competitive edge with traditional employment opportunities - What’s a concrete example of a company that has implemented a thoughtful, more personalized approach to compensation and benefits for their contract workers? - What are potential forms of compensation that focus on humanistic, wellness-oriented concerns over fiscal concerns? - Some practical tips for those looking for employment in a time when so many people are unemployed - Why employers need to look at character and capabilities over hard, measurable experience when hiring new talent - Ways those who have stayed employed can act as a bridge and advocate for friends and loved ones looking for work - Some of the pros and cons of the work from home reality we are living in Web: https://www.nowofwork.com Twitter: @jessvonbank

Roger is the host of the Retirement Answer Man podcast and Roger That! YouTube series where he helps hundreds of clients secure their ideal retirements. He has worked as a CFP for more than 25 years and is passionate about making sure people are prepared for retirement while living their best lives along the way. He authored the book Rock Retirement: A Simple Guide to Help You Take Back Control and Be More Optimistic About the Future, and he is an instructor for the CFP program at The University of Texas Arlington. Roger enjoys spending time with his family, mountain biking, walking his Great Dane and playing board games. Tune in to hear: - How to apply “Agile methodology” from software development to the financial services industry - How to get people to accept uncertainty when we are hard-wired to hate it - If representatives should play a role in clarifying clients' true values, motivations and goals - How prioritization can really strengthen a financial plan and the client's ability to stay on track with their financial goals - How the average person can make their financial life more resilient to unexpected circumstances - One of the biggest retirement mistakes most people make Web - www.rogerwhitney.com

Now in his 31st year as a financial professional and Partner of Strategic Wealth Group, LLC. John is a Chartered Financial Consultant and member of MDRT's Top of the Table. SWG's mission is to help clients establish goals, make efficient decisions and implement macro strategies to reach those goals. Tune in to hear: - Why is it potential a mistake for small business owners to count on monetizing their business at a later date? - How to create cashflows today for your small business rather than relying on a future exit - How does one get their clients to consider potential negative events when it’s so hard to swallow that these could be on the horizon? - Why it’s prudent for business owners to consider their exit strategy from day 1 when starting a business - What qualities do financial professionals share with caretakers?

In her role as the Director of Innovation at TD Ameritrade Institutional, Dani oversees the development of advanced investment management and technology tools designed to help independent registered investment advisors compete and thrive in a world of accelerating change. Dani is also responsible for implementing voice-first capabilities at TD Ameritrade, which will employ conversational AI that can communicate with advisors. Dani joined TD Ameritrade in 2012 and puts more than 15 years of wealth management knowledge to work. Dani was recently named one of the top 16 Women in Wealthtech. She loves to talk about big data, finserv start-ups, artificial intelligence, CrossFit and basketball. Tune in to hear: - What the top 3 emerging trends in fintech might look like in the coming years - How technology can augment and enrich communication with a client - What roles voice might play in fintech going forward - Why direct indexing can be thought of as an emerging technology - What are some of the main criticisms of direct indexing and are these valid points? - What was a fintech trend that was predicted in the past that never came to fruition? - What steps can be taken to ensure that AI doesn’t inherit our biases Twitter - https://twitter.com/DaniFava_TDA

Dr. Joy Lere is a psychologist and consultant who practices where Freud meets finance.  She works with foot planted in the field of psychology and the other waltzing on Wall Street.  She has previously served as an Associate Clinical Professor of Clinical Psychology at George Washington University and has held clinical and research positions at Children's National Medical Center, Penn Medicine Princeton Health, and the Department of Defense. Website: www.joylere.com LinkedIn: www.linkedin.com/in/joy-lere-psy-d Twitter:  @joylerepsydIG Email: drlere@joylere.com Tune in to hear: - Why someone with a history of anxiety may be better equipped to work through the heightened anxiety and sea change coronavirus created in our personal lives - Coronavirus has prompted many of us to take stock of our lives and consider our priorities. Will the saliency of these revelations fade quickly? If so, what steps can one take to create positive, lasting change in their life? - What factors, other than screen time, greatly effect sleep hygiene? - Ways to maintain positive interpersonal relationships while in quarantine - How to mitigate feelings of loneliness in a time where connection is limited - What does true self-care look like and how does our culture misperceive this? www.joylere.com

Phil Pearlman is the Chief Community Officer at Stocktwits, the world’s largest community of investors and traders. Phil previously worked as the Director of Marketing at Bank OZK and as the Interactive Editor at Yahoo Finance. On his blog Eight Fat Swine, Phil looks at questions about behavior and irrationality and seeks out solutions that foster lasting, and adaptive, change. Phil is interested in the psychology of investor behavior, UI and the development of online communities. He has a doctorate in clinical psychology from Argosy University. Phil lives with his wife and two boys in Montebello, New York. Tune in to hear: - What different perspectives do clinical and social psychologists lend to understanding the market? - What parallels and contrasts can be made between irrationality in the marketplace and clinical mental illness? - Is a comprehensive theory of investor behavior a possibility? - Can we hope for predictive power from a behavioral finance theory of behavior? Twitter - www.twitter.com/ppearlman

Larry Swedroe is the Chief Research Officer at Buckingham Strategic Wealth. He is a pioneer within evidence-based investing that focuses on a scientific approach to investment. He is the author of seven books, including The Only Guide to a Winning Investment Strategy You’ll Ever Need, and the co-author of eight other investment books. At Buckingham, Larry synthesizes peer-reviewed financial journals to come up with custom investment strategies for the firm. He’s made appearances on NBC, CNBC, CNN and Bloomberg Personal Finance and is a regular contributor to Advisor Perspectives and ETF.com. He holds an MBA in finance and investment from NYU. Tune in to hear: - Why money might not be the most important factor in a fulfilling retirement - How you can further elucidate your non-fiscal values and goals in retirement - What are the roles of bonds in a low yield world? - Why you shouldn’t think of dividends as income - How can pre-retirees prepare for the rapid decline in Social Security funding? - What can practical steps can one take to account for extended life expectancies? - What are some unique considerations when face in preparing for retirement? Twitter - www.twitter.com/larryswedroe

Tune in to hear: - Ways investors can confront their fear of loss aversion when this fear holds them back - How financial professionals can have meaningful conversations with their clients about times of great market uncertainty and volatility, like what we are seeing as a result of coronavirus - Is there a such thing as too much communication with clients during times of uncertainty and unrest? - Coronavirus has allowed many people extra time to take stock of their lives and priorities - will this “great pause” shift the way our culture views money? - What role can technology play in mitigating loss and helping clients and advisors in a time like this? - Where investors should draw the line between what information is beneficial and what is extraneous, or harmful, in a time with so much data Neil Bage: Neil Bage is the co-founder of the award winning fintech Be-IQ. He is passionate about helping people make safe and informed choices and is a specialist on behavioral drivers of financial decisions. Neil is also the host of the Bitesize Behaviour Podcast. Brian Portnoy: Brian Portnoy is an expert at simplifying the complex world of money. In his two books, The Investor's Paradox and The Geometry of Wealth, he tackles the challenges of not only making better investment decisions but also how money figures in to a joyful life. He is currently the Director of Investment Education at Virtus Investment Partners and has spent the last 25 years as educator, investor, and strategist. He holds a doctorate from the University of Chicago and currently lives on the north side of Chicago with his wife and three children.

Iván is a graduate of the College of the Holy Cross with a bachelor’s degree in political science and Spanish literature and brings a unique blend of analytical and holistic thinking to each of his clients. Iván’s expertise is in asset protection, wealth accumulation and wealth distribution strategies. His vast knowledge and rich experience in the finance industry earned him one of the most prestigious industry awards, the President’s Council Award in 2018. The son of a Venezuelan mother and a Japanese father, Iván enjoys working with families of diverse backgrounds; he is particularly sensitive to and appreciative of the nuances that come with various cultures in the context of planning for the future. His contributions to the Latino business community have been recognized on a national stage, and he was voted one of El Mundo Magazine’s Latino 30 Under 30 in 2016*. Iván is also a former board member of the New York chapter of the Association of Latino Professionals For America (ALPFA), and he remains an active corporate liaison to help advance the success of Latino professionals. He and his wife are residents of Westchester. He spends his free time playing basketball, golf, and cheering for his favorite sports teams, the Boston Celtics, Boston Red Sox, and Miami Dolphins. Tune in to hear: - How do various cultures differ on their views of wealth and propensity to openly discuss financial matters? - What are some of the unique financial concerns and strengths faced by immigrant families? - Financial preparation takeaways from coronavirus and other disruptive, unexpected events. - For many first generation families, owning property is a sign of financial success and a big priority - what is the genesis of this belief, and how does one counsel their clients to take a more diversified approach? - What practices could American money culture adopt from immigrant cultures to strengthen our approach to investment and savings? Web - www.opus-pc.com LinkedIn -https://www.linkedin.com/in/iv%C3%A1n-watanabe-2185a49/

Ashvin Chheda, President & Managing Director at Opes One Advisors, was born in Ibadan, Nigeria. Moving to the UK, Ashvin earned a Bachelors of Engineering in Electrical Engineering from the University of Manchester Institute of Science and Tech, and subsequently moved to the US to complete a Master’s of Science at the University of Michigan. While employed at a large telecom company in the 90’s, Ashvin was exposed to a set of elegant and innovative financial strategies. He earned the appropriate licenses and has achieved a great deal in the past decade as a financial professional and mentor. He has 48 patents granted for sophisticated solutions to various engineering problems and has redirected and harnessed this level of energy and innovation for his financial planning practice. He has won numerous Centurian club awards. Tune in to hear: - What impact from coronavirus is Ashvin seeing on his clients? - Which workforce sectors are getting hardest hit, so far, by Covid-19? - Potential approaches financial professionals can take when there are unprecedented levels of uncertainty - What the concept of “bucketing” means within a financial plan and how this can encourage positive investment behavior - How to counsel a client set on sending money home to family abroad without having their own stable financial house - While every person’s financial situation is unique, how in general do the financial concerns of a first generation American differ from say, a fourth generation American? - What are some unique financial planning considerations for clients on a work visa? Follow up with Ashvin: https://www.ashvinchheda.com

Justin Castelli is a financial advisor and the founder of RLS Wealth Management. RLSWM was founded in 2015 with the belief that independent, unbiased financial planning and investment management should be available to everyone looking for it. In addition to working with clients regardless of their asset level or income, Justin runs the financial planning blog ‘All About Your Benjamins.’ He loves spending quality time with his family and listening to hip-hop. Tune in to hear: - What does authenticity look like in a brand and in personal life? - How to maintain a balance between personal and professional content in branding - How authenticity effects likability - How to maintain a characteristic “thing” or focus without it becoming a shtick - What elements make up a good online community and what elements can derail it? - Ways to balance an organic, grassroots approach to business while remaining solvent Web - www.justincastelli.io

Dr. Joy Lere is a psychologist with a practice focused on the merger of money and mindset. She has worked internationally with driven, achievement-oriented professionals who are motivated to reach the next level in their careers and finances. Tune in to hear: - What is “an existential boundary experience?” - How we can hold on to, and harness, the clarity that moments of hardship and grief can afford us - How saying “no” more often can help you lead your best life - What to consider when saying “no” or “yes” at crossroads in your life - What is ‘imposter syndrome?’ - How to overcome imposter syndrome Web - www.joylere.com