The Unlimited Podcast by Ginsler Wealth

What does it take to be a Jeopardy! champion? After winning over Canadians' hearts and minds with her standout performance on Jeopardy!'s Tournament of Champions, Dr. Juveria Zaheer returns to The Unlimited Podcast to share her journey. In this episode, Brian and Juveria talk about her road to Jeopardy!, the importance of developing new skills and embracing risks, and the incredible work Dr. Zaheer is doing with the Centre for Addiction and Mental Health (CAMH). Tune in for inspiring life lessons, fascinating stories, and more! Dr. Juveria Zaheer is an associate professor of psychiatry at the University of Toronto's Temerty Faculty of Medicine, and a clinician scientist at CAMH. As the medical head of CAMH's emergency department, she plays a critical role in providing urgent psychiatric care to individuals in crisis. Dr. Zaheer is also a renowned researcher and a leading authority on suicide risk assessment and prevention. In addition to her medical achievements, Juveria recently garnered international attention for her expertise in a different field—trivia! Despite a tough loss on her Jeopardy! debut in May 2023, her strong performance earned her a spot in the Second Chance Tournament later that year. Dr. Zaheer won that tournament, advancing to the Champions Wildcard Tournament, where another victory allowed her to compete in the prestigious Tournament of Champions earlier this year. Juveria's first appearance on The Unlimited Podcast can be found as Episode 9: The Future of Mental Health Care. To learn more about or donate to CAMH's "No One Left Behind" campaign, click here. Timestamps: 0:00 Disclaimer and Intro 4:51 Juveria's "day-to-day" life 6:36 Juveria's Journey to Jeopardy! 11:41 Jeopardy! Behind the Scenes 15:42 Preparing for Jeopardy! 19:07 Honing memory and recall skills 23:23 Jeopardy!'s infamous buzzer 26:01 Juveria's betting strategy 29:19 Juveria's most memorable Jeopardy! moment 31:05 Jeopardy's impact on Juveria's family 34:16 Life lessons for everyday life 36:20 No one left behind

In this special episode of the Unlimited Podcast, Brian welcomes Brent Belzberg, founder and Senior Managing Partner of TorQuest – one of Canada's original private equity firms – to discuss leadership, culture, and the keys to success in both life and business. Brent has been a supporter and mentor to Brian for almost two decades and we were honoured to have the chance to bring our listeners his story and his wisdom. Brent founded TorQuest in 2002 after selling Harrowston, Inc., a publicly traded investment fund he started in 1992 to invest in and build businesses. Beyond TorQuest, Brent serves as a Director of Sinai Health System, where he was previously Chair. He is a member of the Investment Advisory Committee at the University of Toronto. His past directorships include CIBC, O&Y REIT, and Four Seasons Hotels. In 2018, he was appointed a Member of the Order of Canada for his work as a business leader and philanthropist. Brent received Queen Elizabeth II’s Platinum Jubilee Medal in 2023 for his significant contribution to Canada and the province of Alberta. Brent received a B.Comm. (Honours) from Queen’s University in 1972 and a J.D. from the University of Toronto in 1975. In 2023, Brent received an honorary Doctorate of Laws (LLD) from Queen’s University. TorQuest is a private equity firm that focuses on middle-market companies in North America, investing across various industries. The firm collaborates closely with family owners, founders, and management teams, and specializes in entrepreneurship/family succession, corporate carve-outs, recapitalizations, and management buyouts. Timestamps 0:00 Disclaimer and Intro 3:30 Private Equity & TorQuest 15:16 Success in Private Equity and TorQuest's future 21:02 Brent's outlook on the economy 23:48 How did Brent enter the Private Equity space? 31:49 Culture and Leadership within TorQuest 36:41 Successful partnerships & leadership traits 40:54 Brent's advice for entrepreneurs 48:29 Philanthropy & Brent's legacy 54:10 If Brent could do anything, what would it be?

From Brian Ginsler, Ginsler Wealth CEO: "A few weeks ago, I experienced what all financial advisor parents dream of. I came home to find my youngest daughter’s Grade 8 Financial Literacy test on the dining room table. She had earned a mark of 95%. I couldn’t have been more proud, and thought about ordering Ginsler Wealth business cards for her right away! But I might have gotten ahead of myself..." To find out what happened, listen to this episode featuring Ginsler Wealth's Second Quarter 2024 update - Financial Literacy Edition - where Brian reviews the concept of "needs vs. wants". For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-second-quarter-2024-client-letter-financial-literacy-edition/

Private debt is "all the rage" these days, but also beset with some controversy, especially in Canada. Asset-based lending is a form of private debt, and eCapital is a leader in this space. On this episode of The Unlimited Podcast, Marius Silvasan, CEO of eCapital, goes "back to basics" to explain what is asset-based lending, how eCapital mitigates risks typically associated with traditional private debt, and reveals eCapital's secret weapon: its technology focus. eCapital is a specialty finance company with a focus on providing working capital to small and medium sized businesses in the U.S., U.K., and Canada. eCapital finances 6,000+ clients through factoring and asset-based lending facilities and provides ancillary services such as credit cards, fuel cards, bill pay, and other treasury services. The business was founded in 2006 and employs 700+ people globally. Prior to his leadership role with eCapital, Marius was CEO and Director of ONE Bio Corp and Tele Plus World Corp, accumulating over 20 years of experience in structured finance, syndication and mergers and acquisitions. As a Forbes Finance Council Member, he is an emerging thought leader on financial services and corporate leadership. He holds a Bachelor of Business Administration and a Master of Business Administration from HEC University in Montreal. Timestamps 0:00 Disclaimer & Intro 3:51 Marius' journey to eCapital CEO 6:14 What eCapital does for SMBs 12:12 Examples of industries using eCapital 15:40 Mitigating risk with eCapital's loans 29:48 eCapital's technological applications 33:18 eCapital's growth strategy 38:41 What economical challenges is eCapital seeing? 43:01 How does eCapital differ from other lenders? 45:39 Ensuring liquidity within eCapital 48:11 How should investors evaluate private debt firms? 51:20 If Marius could do anything, what would it be?

Small-capitalization ("small-cap") equity investing requires a specialized investment and trading skillset. Since its inception in 2018, Bedford Park Capital has proven its proficiency in this area. Bedford's President & CEO Jordan Zinberg joins Brian to explain what small-cap equities are, what it takes to be a successful small-cap investor, and why some of the risks of small-cap investing may actually be opportunities in disguise. Jordan Zinberg is the President and CEO of Bedford Park Capital Corporation. Jordan has over 20 years of investment industry experience, including portfolio management and trading, and has served as a director of both private and public companies.  Before founding Bedford Park Capital, Jordan was a Managing Director and Portfolio Manager at a prominent Toronto-based investment management firm.  Prior to that role, Jordan spent 7 years at one of Canada’s largest investment dealers.  He holds an MBA from the Schulich School of Business as well as several industry licenses and certifications. He also holds the Chartered Investment Manager designation and is a fellow of the Canadian Securities Institute. Timestamps 0:00 Disclaimer & Intro 4:11 Jordan's journey to founding Bedford Park 7:57 What are "small-cap" equities? 12:19 What makes small-cap equities attractive? 16:02 Finding companies that meet Bedford's criteria 19:02 Difficulties purchasing small-cap equities 21:59 Positives & negatives of small-cap equities 26:59 How Bedford found one of their best holdings 33:03 Jordan's outlook on the economy and stock market 35:48 Behind the scenes at BNN 38:42 If Jordan could do anything, what would it be? 39:57 Outro

On Tuesday, April 16, the government of Canada revealed its 2024 Federal Budget with major changes that impact investors, savers and business builders - most significant of which being an increase to the capital gains inclusion rate. In this "breaking news" episode of The Unlimited Podcast, we bring back the "Tax Ninja", Alexandra (Ali) Spinner, to help break down the key changes and provide some guidance for immediate and long-term actions and plans. Ali can also be seen discussing the Federal Budget changes on BNN Bloomberg. Key changes covered include: The increase to the capital gains inclusion rateThe increase to the Lifetime Capital Gains ExemptionThe introduction of the Canadian Entrepreneurs IncentiveChanges to the Alternative Minimum Tax (AMT) Ali is a Partner in Crowe Soberman’s Tax Group, a member of the firm’s Management Committee, and leader of the High-Net-Worth tax practice. Ali has more than 20 years of experience in public accounting and tax and estate planning. Her practice focuses on helping wealthy families and high-performance professionals structure their affairs in a tax-efficient manner. Ali’s broad technical expertise includes domestic, cross-border, and international tax matters for individuals, trusts, estates, and corporations. She is experienced in complex estate and trust planning, post-mortem planning, corporate reorganizations, and the preparation of Canadian tax returns and compliance forms. In 2022, she was elected as a Fellow of the Chartered Professional Accountants of Ontario. Timestamps 0:00 Disclaimer & Intro 2:15 Highlights of the budget changes 13:00 Why change capital gains tax rates? 20:54 Impacts on the general public 29:44 Who will feel the largest impact? 34:01 Canadian departure tax 36:11 Exemptions, incentives, and philanthropy 42:21 Outro 43:33 Ginsler Wealth's full theme song

You may have heard the joke about two economists walking down the street and seeing a $20 bill lying on the sidewalk. The first economist says, "Look at that $20 bill." The second says, "That can't really be a $20 bill lying there, because if it were, someone would have picked it up already." So they walk on, leaving the $20 bill undisturbed. The notion above is that there can’t be “free money” lying around in plain sight. The markets are efficient and opportunities like the above cannot exist. Brian Ginsler begs to differ... For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-first-quarter-2024-client-letter-free-money-edition/

As a follow-up to Episode 33: Insurance 101 with Simon Kay, this episode features Zak Goldman and Jonah Mayles from Sterling Park providing an "Insurance 201" lesson for our listeners, with a focus on the tax and wealth creation advantages of whole life insurance. Whole life insurance is a permanent insurance policy that grows in value over time by participating in distributions from the insurance company’s pool of investments. This type of policy offers a significant opportunity to boost wealth and estate value, for two key reasons: The policy's value grows tax-free and is typically distributed tax-free[i] upon death, andWhen held within a corporation, the proceeds can be paid to your estate on a tax-free basis[ii] without being subject to additional taxes like most other corporate assets. For someone with a corporation, the additional after-tax value of dollars invested in a whole life insurance policy can be potentially double what could be achieved without the use of insurance.[iii] Brian and the "Dynamic Duo" of Zak and Jonah explain whole life insurance and how it works, compare the after-tax result of using insurance vs. not, and provide insight into how to know if an insurance policy is right for you. Zak is a founding partner of Sterling Park. He has advised affluent clients and business owners for over 20 years. He holds the Family Enterprise Advisor™ (FEA) designation and an MBA from the Rotman School of Business at the University of Toronto. Jonah is a partner at Sterling Park and is the tax, legal and estate planning guru in the firm. Before joining Sterling Park, Jonah was a tax lawyer at Fraser Milner Casgrain and Torkin Manes where his practice focused on business succession planning, estate planning, advising on and drafting family trusts and structuring/implementing tax-efficient sales and purchases of businesses. If you like what you hear, please don’t hesitate to rate us kindly. And if there are particular topics you’d like covered, please let us know. This episode is brought to you by Ginsler Wealth Financial Services Inc., a FSRAO licensed insurance agent corporation. Nothing in this podcast should be deemed to be insurance or financial advice, and is for informational purposes only. [i] The tax-free nature of whole life insurance may not be absolute under certain circumstances, including in shorter duration insurance policies. This letter is meant only to provide a high-level overview of the benefits of whole life insurance and is not comprehensive. Please speak with Ginsler Wealth Financial Services Inc., a FSRA licensed insurance agency, or your own insurance advisors for more specific details. [ii] Ibid. [iii] The precise outcome of utilizing these types of insurance policies will depend on the age, gender and medical profile of the insured(s) at time of entering into the policy and the age of death of the unsured(s) amongst other factors. Talk to Ginsler Wealth Financial Services Inc. or you own insurance advisor for more precise details. Timestamps 0:00 Disclaimer & Intro 5:00 How Zak & Jonah entered the insurance industry 10:42 Term insurance vs. whole life 12:40 Whole life insurance & how it works 22:16 Using insurance to transfer wealth 41:55 Tips for prospective insurance buyers 44:48 Simplifying insurance buying 51:31 If Zak & Jonah could do anything, what would it be? 53:18 Outro & Disclaimer

The automotive industry is undergoing a transformation with the rise of electric vehicles and the introduction of new technologies and new ways of interacting with car buyers--all while operating in a challenging economic environment. Luxury auto dealers are at the forefront of many of these changes. On this episode of The Unlimited Podcast, Brian speaks with Francesco Policaro, CEO of Policaro Group, a luxury auto retailer in the GTA and southern Ontario. Brian and Francesco discuss automotive industry trends, what a prospective car buyer should know, managing a multi-generational family business, the current state of the economy, and more! Founded in 1979 by Francesco's father and two uncles, Policaro Group has emerged as a prominent automotive retail group in the GTA and Southern Ontario. Currently, their expansive group encompasses Acura, BMW, Jaguar, Land Rover, Lexus, Porsche, and Volvo. Policaro Group is involved of many aspects of the automotive experience, ranging from helping customers purchase their first car, sourcing exotic super sports cars, and supporting professional racing, all with an incredible focus on the customer experience. If you like what you hear, please don’t hesitate to rate us kindly. And if there are particular topics you’d like covered, please let us know. Timestamps: 0:00 Disclaimer & Intro 4:21 Policaro Group's history 8:22 Sourcing luxury cars 15:00 Making the customer experience exceptional 20:16 Technology evolving the automotive industry 27:41 Improving the typical "car buying" experience 36:51 Francesco's favourite cars & super sports division 40:51 Managing a multi-generation family business 44:42 Francesco's economic outlook 48:08 If Francesco could do anything, what would it be? 50:18 Outro

An Unlimited Podcast twist! This episode is a podcast within a podcast... This episode sees the tables turned on our host, Ginsler Wealth CEO, Brian Ginsler, as he switches from interviewer to interviewee. Brian is interviewed as part of The Real Human Project by Sam, an AI interviewer, with the goal of helping people share their stories and reveal the "real human" behind each interviewee. The Real Human Project is on a mission to help people get to know each other better. Through AI-hosted podcast interviews, everyone has an opportunity to make an episode about what makes them who they are. These episodes can then be shared with anyone the participant would like to share their story with. Once an episode has been shared, listeners are encouraged to respond with their feelings about the episode. The Real Human Project has extended a special offer to all listeners of the Unlimited Podcast: for $50 USD off your very own episode, enter code "Unlimited" at checkout. To learn more about The Real Human Project, or to get your own episode, visit realhuman.io. If you like what you hear, please don’t hesitate to rate us kindly. And if there are particular topics you’d like covered, please let us know.

As long as humans have been taking risks, we have been looking for ways to mitigate those risks. Insurance, while a very popular risk transfer tool, can be complex and easily misunderstood. On this episode of The Unlimited Podcast, Brian speaks with Simon Kay of IPS insurance, who provides an Insurance 101 lesson, focusing on insurance for individuals and families. Brian and Simon discuss different types of insurance, how to determine how much insurance you need, individual vs. group coverage, and more. Simon is the President of IPS Insurance, a specialized insurance advisory firm with a very unique private underwriting approach to determine insurability. Simon is an insurance industry veteran, having started his insurance career back in 1988 as an insurance agent at London Life. More recently, Simon is a founding investor in Fairgrounds, a free-to-join racquet club focusing on Pickelball and Padel – some of the fastest growing sports in the word. And COMING SOON...The Unlimited Podcast goes back to school for Insurance 201, where we explore the use of insurance for tax-efficient wealth accumulation. Timestamps 0:00 Disclaimer, History of Insurance, & Intro 8:58 Needs & Efficiencies 14:22 What is insurance? 18:23 How do insurance companies work? 24:06 permanent vs. term insurance 34:38 Tax benefits of insurance 39:01 Who is each type of insurance for? 45:23 The importance of disability insurance 53:22 Individual vs. group insurance 56:44 What is Fairgrounds? 1:02:25 if Simon could do anything, what would it be? 1:05:07 Outro & disclaimer The original article for Brian's summary of the history of insurance can be found here. This episode is brought to you by Ginsler Wealth Financial Services Inc., a FSRAO licensed insurance agent corporation. Nothing in this podcast should be deemed to be insurance or financial advice, and is for informational purposes only. If you like what you hear, please don’t hesitate to rate us kindly. And if there are particular topics you’d like covered, please let us know.

A message from Brian Ginsler, Ginsler Wealth CEO: "My last quarterly letter was released on the evening of Friday, October 6. By the following morning, that letter couldn’t have been less important given the horrific atrocities occurring in Israel, and the resulting last 3 horrible months for Israel, Jews around the world, and innocent Palestinians – wholly and solely a result of Hamas’ atrocious attack on Israel and its citizens, and Hamas’ continued holding of hostages. Because my last letter was just an evening too soon to address and discuss the above, I wanted to use this year-end letter to share a story about another Israel war, an Israeli tank commander, and how Israel and its soldiers conduct themselves." For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-fourth-quarter-2023-client-letter-the-coby-edition/

Real estate is a hot topic for Canadians, especially in the current housing-challenged environment. Rob Kumer, incoming CEO of KingSett Capital, describes what he's seeing now and what Canadians might expect from the real estate market and the economy in 2024 and beyond. Brian and Rob discuss Rob's path to CEO of KingSett, KingSett's investment process, various real estate sectors, affordable housing, government policies, the path to environmentally sustainable real estate, and more! Rob graduated with an HBA degree from the Ivey Business School. He joined KingSett in 2004 as an analyst and is currently President & Chief Investment Officer, as well as incoming CEO, effective January 2024. Rob is also a director of the Sinai Health System foundation in Toronto. Founded in 2002, KingSett is one of Canada's leading real estate private equity firms, managing approximately $18 billion across real estate asset classes including office, industrial, residential & affordable housing, retail, urban, hotel and development. If you like what you hear, please don’t hesitate to rate us kindly. And if there are particular topics you’d like covered, please let us know. Timestamps 0:00 Disclaimer & Intro 2:56 Rob's beginning at Ivey 7:00 KingSett's evolution 9:28 Rob's history in real estate 14:56 How does KingSett evaluate investment opportunities? 18:31 The economy through KingSett's lens 25:00 KingSett's mortgage lending 32:38 How does Rob view the housing shortage? 41:55 The economics of affordable housing 47:19 KingSett's zero carbon initiatives 50:05 The results of working from home 58:33 Lessons Rob is taking into the role of CEO 1:02:50 If Rob could do anything, what would it be? 1:05:12 Outro 1:06:34 Year in Review

November is Financial Literacy month in Canada, so as part of Ginsler Wealth's ongoing efforts to promote financial literacy, Brian speaks with Robin Taub, CPA, CA, the author of The Wisest Investment: Teaching Your Kids to Be Responsible, Independent and Money-Smart for Life. Brian and Robin discuss her path to writing the book on financial literacy, the 5 Pillars of Money, her 11 Healthy Habits of Financial Management, and how parents can overcome the challenges of teaching their children about money. Robin is a Chartered Professional Accountant (CPA, CA), keynote speaker, and bestselling author recognized for her expertise in personal finance and financial literacy. Her award-winning book, The Wisest Investment, has received accolades, including praise from David Chilton, the star of Dragons' Den and author of The Wealthy Barber. With a unique ability to simplify complex money topics, Robin acts as the "Google Translate" for personal finance, making it accessible to all. Her background includes roles in audit, taxation, and derivatives marketing at leading Canadian firms. She is also a passionate advocate for advancing women CPAs into leadership roles. Robin holds a Bachelor of Commerce degree with High Distinction from the Rotman School of Management at the University of Toronto and is a lifelong learner, having completed the Canadian Institute of Chartered Accountants’ In-Depth Tax Course. Residing in Toronto, Robin and her husband have raised two (mostly) money-smart young adults. Besides her financial expertise, she enjoys snowboarding, cycling, and attending concerts, including a memorable backstage encounter with Bruce Springsteen. For more about Robin and to purchase a copy of The Wisest Investment, click here. If you like what you hear, please don’t hesitate to rate us kindly. And if there are particular topics you’d like covered, please let us know. Timestamps: 0:00 Intro & Disclaimer 3:42 Robin's financial journey 9:23 Why should parents teach their kids financial management? 11:45 Robin's Five Pillars of Money 17:01 How should an allowance work? 20:58 11 Healthy Habits of Financial Management 27:45 How can parents actually teach financial literacy? 34:39 Fraud, phishing, and cybersecurity 37:36 Robin's Key Tip 38:16 Meeting Bruce Springsteen 40:50 If Robin could do anything, what would it be? 41:57 Outro and disclaimer

Brian Ginsler loves Malcolm Gladwell's podcast Revisionist History: his podcast about "things overlooked and misunderstood". Brian believes there are a lot overlooked and misunderstood things happening this year in the financial markets. In his latest quarterly letter, he shares what he thinks is overlooked and misunderstood as it relates to U.S. and Canadian equity markets, stock and bond correlations, consumers' reaction to inflation and rising interest rates, and perhaps the most misunderstood investment decision: investing in GICs. For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-third-quarter-2023-client-letter-misunderstood-edition/

The private equity asset class is often absent from the portfolios of the everyday investor. For those that do invest in private equity, they experience large capital requirements, long holding periods, and often higher risk - albeit in the pursuit of higher returns. Private equity secondaries may mitigate some of the challenges noted above. In this episode of The Unlimited Podcast, Brian speaks with Robert McGrath, Founder and Managing Director of Overbay Capital Partners, who will explain what private equity is, introduce private equity secondaries, and share the backstory of how he and his brother became early leaders in this space. Overbay Capital Partners, is a private equity secondaries firm managing almost $2 billion in assets on behalf of institutions and private investors. Robert leads Overbay's investment team and is responsible for the overall management of the firm. Rob began working in secondaries almost 20 years ago when the secondary market was still in its infancy and a tiny fraction of its size today. He has had a front row seat on the secondary market as it grew from obscurity to the prominent investment strategy it is today. Prior to forming Overbay, Rob worked for 12 years as an intermediary in the secondary market at Setter Capital where he advised institutions on buying and selling private equity funds. Over that period, Rob was one of the most prolific secondary deal makers in the world, completing over 700 transactions, representing more than $20 billion in value. Robert holds a Bachelor of Arts degree from Queen's University and a Master of Science degree in Accounting & Finance from the London School of Economics. If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. Timestamps: 0:00 Intro & Disclaimer 4:13 What is private equity? 10:37 Where does private equity fit in a portfolio? 14:13 Barriers to accessing private equity 17:18 Private equity experience and the "J" curve 25:21 Robert's history with private equity 28:16 Why would an institution want to sell private equity? 31:08 Why buy private equity secondaries? 34:57 Founding Overbay 41:32 How do private equity secondaries differ from regular private equity? 45:33 How does Overbay pick the secondaries to buy? 48:57 Returns on private equity secondaries 53:42 If Robert could do anything, what would it be? 55:41 Outro

While the U.S. Open ended on Sunday, the World Championships of Tennis – known as The Davis Cup – is on! And Team Canada is back to defend their championship title after winning last year’s tournament. On this episode of The Unlimited Podcast Brian speaks with Frank Dancevic, former professional tennis player and current Captain of Canada’s Davis Cup team. We were lucky to catch Frank just hours before he joined his team in Bologna, Italy for the start of Canada’s defending run. Hailing from Niagara Falls, Ontario, Frank Dancevic is a retired Canadian professional tennis player. He first became the country's top singles player, according to ATP rankings, on February 10, 2003, as an 18-year-old, and achieved a career-high singles ranking of world No. 65 in September 2007. He has been the captain of Canada's Davis Cup team since 2017 and continues to lead top-ranked Canadian tennis players Felix Auger-Aliassime, Vasek Pospisil, and Denis Shapovalov, among others, in this year’s Davis Cup. In this episode, Brian speaks with Frank about his experience as a professional tennis player, what it takes to be a world-class athlete, and how to lead and coach high performers. If you like what you hear, please don’t hesitate to rate us kindly. And if there are particular topics you’d like covered, please let us know. Timestamps 0:00 Disclaimer & Intro 3:44 Frank's journey to professional tennis 12:55 Where did "Frank the Tank" come from? 14:34 Being your best as a professional athlete? 21:15 Different stressors of singles and doubles tennis 25:40 Transitioning from player to captain & leadership strategies 28:57 How to get the best out of your team 32:10 Frank's highlights against Rafael Nadal and Novak Djokovic 37:05 If Frank wasn't a pro tennis player, what would he be? 39:01 Outro & Disclaimer

Brian believes that everyone needs to understand sales because ultimately, "everything is sales". What does this mean? Sales expert Darren Rabie joins Brian on this episode of The Unlimited Podcast to help answer that question, and discuss how sales can be applied to more aspects of life than you may think. Darren Rabie was born in Cape Town, South Africa. His father owned successful clothing stores and his mother was a teacher. Along with his two brothers, he lived a wonderful life. But the fears and injustice of Apartheid drove the family to immigrate to Toronto in 1977. In Canada, with no money or connections, Darren’s father started a clothing import business and his mom became a travel agent. He grew up learning from two hard-working, never complaining, dedicated and loving parents who sacrificed for their kids. As a teenager, Darren had lots of jobs but quickly realized that he was more entrepreneur than employee. After graduating from Ivey Business School in 1996, Darren co-founded his first company – The Results Group (TRG) – an outsourced lead-generation firm for B2B businesses. By 2003 Darren realized that many of TRG’s clients lacked the sales leadership, structure and tools to succeed, no matter how many leads were generated for them. So, he sold TRG and founded Focus Sales Management – initially renting himself, then others, out as part-time sales managers for small B2B companies. In 2010 another division was born – Focus CRM – to provide ongoing support and training contracts for companies struggling with salesforce.com. In 2018, Darren decided to make his next life change and sold Focus to his partners in the firm. Brian and Darren discuss human nature, applying sales concepts in your personal life, Darren's "12 C's" (characteristics) of effective (sales)people, and more. If you like what you hear, please don’t hesitate to rate us kindly. And if there are particular topics you’d like covered, please let us know. Timestamps 0:00 Disclaimer & Intro 1:28 Brian's 15 Year Harvard Reunion 5:48 Darren introducing sales courses to Ivey 7:44 Darren's sales background 11:38 Is "sales" a dirty word? 20:13 Sales & human nature 36:59 Applying sales to success in everyday life 49:13 Darren's "12 C's" of successful (sales)people 53:56 How have sales tools changed? 58:24 Is sales a good start to your career? 1:00:52 If Darren could do anything, what would it be? 1:03:36 Outro & disclaimer

At Ginsler Wealth, we love coffee. Recently, Brian spoke with Lavazza Canada President, Andrea Chiaramello, at the Truffle Kings media preview event, for a special live recorded episode of The Unlimited Podcast. Andrea Chiaramello was born and raised in Turin, Italy, hometown of Lavazza. He has been a coffee “addict” for decades, after spending most of his working life as an export manager, specializing in Route-To-Market projects, bringing Italian products into international markets (Europe, North and South America, Middle East). Andrea joined Lavazza and moved to Toronto in 2017 leading the Canadian operations across all channels. Lavazza, also known as Luigi Lavazza S.p.A., is an Italian coffee manufacturer that was founded in Turin in 1895 by Luigi Lavazza. It started as a small grocery store on Via San Tommaso 10 and is currently managed by the third and fourth generations of the Lavazza family. The company imports coffee from various countries, including Brazil, Colombia, Guatemala, Costa Rica, Honduras, Uganda, Indonesia, the United States, and Mexico. Lavazza was introduced to Canada in 1971. The company expanded its presence internationally and began exporting its coffee products to various countries, including Canada. Since then, Lavazza has established a presence in the Canadian market and offers its range of coffee products to Canadian consumers. Brian and Andrea discuss the history of Lavazza, Italian coffee culture, how to make the perfect cup of coffee at home, and much more. Make sure to stay tuned to the very end of the episode for a special offer! If you like what you hear, please don't hesitate to rate us kindly. And if there are particular topics you'd like covered, please let us know. The full video can also be found on YouTube. Timestamps 0:00 Disclaimer & intro 3:15 History of Andrea & Lavazza 6:26 Comparing coffee and wine 8:11 Lavazza's operations in Canada and abroad 10:05 Italian coffee culture 11:44 What it takes to make coffee 15:28 Where do the best coffee beans come from? 20:58 Making the perfect coffee at home 25:51 The rules of coffee in different cultures 30:51 Inflation in coffee prices 35:01 Investing in the coffee industry 37:11 Lavazza & tennis sponsorships 38:47 If Andrea could do anything, what would it be? 40:42 Outro and a special treat

Ginsler Wealth CEO, Brian Ginsler, reads his quarterly letter to clients from the second quarter of 2023. There are a lot of scary things impacting the economy and investing these days, but nothing is more scary than when your 16 year-old daughter gets her driver's license permit! In Brian's latest quarterly letter, he explains how teaching his daughter to drive relates to how we manage client portfolios. Hint...it's all about probability. He also explain recent actions we are taking in client portfolios and provide examples of some unique investment strategies we have found and are using for the benefit of our clients. For the original transcript of this letter and to see weblinks and other media, please visit https://ginslerwealth.com/ginsler-wealth-second-quarter-2023-client-letter-drivers-training-edition/ Timestamps 0:00 Disclaimer and Intro 1:46 What's been scaring Brian in 2023? 2:33 Driving & Probability 4:24 Let's start with facts 5:42 Equity markets & lower probability 8:13 Facts & Probabilities: Actions we are taking 13:21 Ginsler Wealth Partners Program 14:04 Outro