Fintech Impact

Jason talks to Nicholas Bernardo, Founder & CEO of OnBord; a simple, secure tool with automated compliance features that will save you time and money while onboarding new clients. OnBord is built to streamline the new client experience for not only the advisors but also their clients.Episode Highlights03.02: Nick talks about his profile and what prompted him to launch OnBord. He also talks about how simple the tool is and the feedback that he has received from few of his clients. 05.32: Jason and Nick talk about the inconvenience caused during manual data filing or data gathering process. 06.17: Nick explains how they have created the ability to do a bulk transfer. Now they are working to eliminate that custodial spreadsheet so that if you are an advisor looking to leave a wire house or leave a broker-dealer that's protocol or non-protocol you have all kinds of limitations around what you can take. 7.18: Nick talks about their data gathering process and how they don't actually hold any of the client data.  09.32: Nick explains OnBord's entire work process flow and how it is all automated.11.04: Nick explains once the client completes the flow, they also receive an e-mail from the firm, welcoming them again, stating kind functions of the CSA and then also putting out the e-mail as disclosure documents that way that is one step that the CSA team has to do. 13.10: Nick explains how they are currently working on the KYC module right now so that they can update that and push it right back to the advisor's CRM. 18.20: Nick explains how OnBord shows real time status of clients filling in their information and how it helps to save a lot of time and efforts. 23.05: Features and functions we have an unbelievably long list of features and functions that. We want to put out there, but right now it's about solving the core problem right and showing the most value to the same, says Nick. 31.00: OnBord is a core technology for almost every RA in the in the country and maybe even in the world.3 Key PointsNick talks about how well OnBord uses automation to create great user experience. He says that they are not asking them complicated questions, they are asking the minimum amount of information that the custodian wants in order to open their account.Nick explains how they leverage text as a means of engagement of the consumers.Any business that gets new clients and needs information to get from the client to their database and potentially you know signed off on a form, that's our opportunity, says Nick.Tweetable Quotes"We are looking to make use technologies to flatten this whole experience out and that way the advisor and CSA, all they have to do is manage the process." - Nick "If you are a broker dealer and you need to update KYC on an annual basis, we'll be able to administrate the entire process for you." – Nick"Getting people's attention via text message and a reminder say hey by the way we need to get this done it. We're finding that you know response times are faster." - NickResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsor Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Justin Adler, co-founder of NorthOne. It is an online Business Account with built-in features to make business banking fast and easy. Justin helps people with this entire profit for a system, they put people in envelopes or supplements, but nevertheless it's basically splitting up by dollars or percentages and making sure that when the taxman comes calling the money sitting there when payroll comes, it's done which is fantastic.Episode Highlights0.54: When launching NorthOne Justin Adler's goal was to transform what would be a really burdensome experience of traditional banking into one that's simple, fast and efficient. NorthOne is like Uber for banking and financial management.04.19: When setting up his business Justin visited several places and did in-depth research. He realized that the problems we seen growing up were so widespread and so commonplace and they really resulted from the fact that small business owners are generally really good at what they do. They are great at your craft, but they are so ill prepared and ill set up for the financial management side.06.16: By launching NorthOne, Justin aimed to remove the opportunity cost of doing day-to-day banking from the business owner so that we could turn the really burdensome banking experience for small business owners. 07.50: Justin co-designed a feature called the Northland profit first envelope system. This allows the small business center to literally, with one click on drag and drop, an automatic budgeting system so that whenever they deposit money, the correct amount is sequestered for things like rent, payroll, taxes. 11.02: As per Justin, one of the biggest threats to the economy today is the failure rate of small businesses.13.13: One of the big features that Justin and his team worked on this year has been really about defining more convenient ways for folks to get paid and make payments. 16.09: Justin says that they focused on integrations that really allowed the bank account to do what it does best.3 Key PointsJustin shares how he has built a system to basically implement the entire cash flow model.Many small business owners use cash basis accounting to make decisions for what they can, what they can afford, what they can buy. A lot of what Justin has also focused on this year has been building integrations so that the business center can get a wider circumference and expand on the view of what's going on in their business through the Northwest Bank account.Justin shares how he sees the future of the product and the best way to serve the customer. NorthOne is a platform that really kind of connects that small business center to a variety of different proxy tools and services that they need. Tweetable Quotes"NorthOne is a digital challenger bank specifically made for the needs of small business owners across the country." – Justin"We worked with our team to really figure out how to take that functionality ACH and take it as fast as possible." – Justin"We have always stood behind the idea that if you make a product service, it's good customers should be happy to pay a fair price for it." - JustinResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsor Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Santiago Burridge, executive chairman of Lumiant. It is a platform that helps advisors discover what really matters to their clients and helps them have more deep and meaningful conversations and guides them along the way to a deeper and more meaningful and prosperous engagement. Episode Highlights0.38: All the extraordinary conversation that happens between an advisor and a client currently now goes into a filing cabinet and we anchor experience in something we can control, which is a product, says Santiago.4.33: You can't help people in relation to their life unless you understand what drives them in life and that is their values and it's not their goals because goals change, and values tend to not, says Santiago.9.21: If you lead with the client's life, not with your product, the client is going to work with you and that's the subtle pride pitch between selling and serving, says Santiago.17.55: The computers aren't the thing. Computers are the thing to get us to the thing and the financial plan is not the thing. The financial plan is the thing to get the things. The values and goals are the thing that gets you to that thing, which is financial planning, says Jason.23.23: When you are in a bad health situation or need surgery, the doctor is the shining star and the most important person in your world. But when everything is going ok or not ok or just average every day, financial planners are the most important.24.38: One wish for something to change in the industry is that 51% of advisers should be women. It's currently 16 to 20% and it's a disgrace and it's a poor reflection on what we do, says Santiago.3 Key Points90% of people who walk in to see an advisor and non-financial spouses, they generally do not know what they need to do, and these non-financial spouses have been utterly ignored by our profession forever, says Santiago.When we thought about bringing the whole client journey through a platform, it is values, goals, key advice, strategies and tasks to achieve and live the best life and what risk are they willing to accept to live their best life, says Santiago.Santiago is building nudges into the part forms and the ability to remind their clients of things that they need to do. But it's more than a task.Tweetable Quotes"When we thought about technology that has been used in the financial services industry today, we realized that everything's been built for the sale." – Santiago"Everybody wants change, but no one wants to change and it's the most frustrating thing in the world." – Jason"Supporting entrepreneurialism and independence, helping this industry achieve its potential is the thing that excites me to continue the work, day and night since I was a kid." - SantiagoResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.linkedin.com/in/santiago-burridge-1a830b6/?originalSubdomain=auhttps://www.lumiant.com.au/ Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Guy Anderson about what happened in these past years of 51 episodes other than this one. As per Jason When it came to technology innovation, it was the bigger issues that were looked at first, but now we are looking at the smaller problems.Episode Highlights1.59: Jason shares what was his top pick for the most interesting fintech solution for 2022. 2.04: As per Jason the closest thing to the most revolutionary, coolest thing he has seen wasn't in Fintech and that is GPT chat. This year more than any product he was rather impressed by good execution. 04.02: Jason really appreciates Nudge; it is a tool for automating client communication and collaboration. Then there is Hubley a checklist or process mapping system. 06.09: There is a software now that ensures that everything involved with settling an estate is done first and foremost, but also as fast and as painlessly as possible. 09.40: Historically the distribution of financial products followed specific channels where you typically go to one person for one thing your investment guy, your insurance guy all that and we have seen that slowly expand out with multi licensing.10.15: Jason explains how and why the number of financial decisions that people face on a day-to-day basis is increasing.13.48: There is a certain type of person who is going to listen to a robot running their financial life start to finish. That's the reality of it, says Jason.16.28: If we keep on talking about being the future of this business, that is going to be the differentiation point because that is not going to be what is basically done, says Jason.21.49: Crypto is a technology that is unfortunately that is useful and unfortunately that use is lost and rampant speculation in most cases.23.32: In a lot of ways the crypto purists will tell you your mistake was leaving it on someone else's wallet, says Jason.26.02: Jason talks about his initial plans in 2023 and how he is going to bring in new and some of the old guest in the upcoming podcasts. 3 Key PointsFintech is going to revolutionize, and it has already started to revolutionize our business. Jason shares his views on where does he sees revolutionizing is going to impact advisors versus all the other aspects of the fintech space?Jason shares how much of this Fintech filters down into the hands of individuals and what impact does that have on the advisory business? GPT chat is a function of GPT 3 which is a general-purpose technology artificial intelligence that has been being experimented with and now they have kind of opened it up and it allows people to ask whatever question they want of it or to ask it to compose whatever text it wants. Tweetable Quotes"Buy now, pay later is still most hated but best example of embedded finance." – Jason"I see a lot of issuances coming to the business and building up deeper relationships with your clients and just being able to be better and just be being better advisors' long term." - Guy"Any new technology is always met by a bunch of scam artists." - Jason Resources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsor Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Yasser Abou-Nasr, Senior Vice President of product at Dwolla. The company is a payment infrastructure company specifically specializing in account-to-account transfers.Episode Highlights0.30: Dwolla is a modern payments platform that really becomes an engine that a lot of our Fintech or software companies or corporate enterprises want to embed in their stacks because they actually have sophisticated a2a problems that they want to solve, says Yasser.2.20: There was a decision to make a pivot around 2016 where Dwolla focused on helping businesses get paid and payout necessary use cases that really have to pay payments through modern API.6.11: One use case we are seeing is that people being really creative with helping that are under underprivileged and how they are able to leverage our platform to make cash flow readily available for those, says Yasser.8.04: It's just amazing to see how many different people are realizing the opportunities to embedded finance and finding that Dwolla is kind of that opportunity and that really helping us position and go to market. 9.18: Some customers use us as essentially, they are able to give cash advances to their drivers and their drivers are able to kind of pay back those loans as well through our network, says Yasser.12.21: Yasser wants to go ahead and be that payment service provider where they can actually leverage the data, make smart decisions and actually get payments to the financial Institute.15.47: Yasser says that they are looking at data aggregation and enrichment for them to bring other value adds to kind of help enrich the transaction or the decisions or the risk behind those transactions.17.05: RFP, request for payment is going to do some amazing things. Yasser has learned from other markets like India that they're way mature with instant payments. 19.01: Any type of position has risk involved with that and if Yasser can minimize risk and increase that position for a faster funding, then everything kind of follows right behind it.24.55: There are endless possibilities with a2a payments and that's what gets Yasser excited and kind of really coming in every day.3 Key PointsEveryone in vertical SaaS companies is trying to disrupt the certain industry that has pain points or problems especially around funding or positioning, says Yasser.The banks are just not best positioned especially when it comes to API's and how they want to manage innovation and Fintech find a big struggle to work with banks.The fact that open banking is regulated has really pushed a lot of innovation in a2a because of consumer piece, says Yasser.Tweetable Quotes"We actually power complex a2a payments as well and because of our solution people come to us." – Yasser"Effectively you are the pipes that no consumer sees but alleviates frustration when it happens." – Jason"We are excited about all the different use cases in industries around. We ran a report earlier and we see ourselves in 80 different industries." – YasserResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.linkedin.com/in/yabounasr/https://www.dwolla.com/ Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Mark Higgins, Chief Analytics Officer and Co-Founder of Beacon. It is a company that provides cloud solutions to financial institutions to run their data and analytics and a number of other interesting and high-level things.Episode Highlights0.33: Beacon is a financial technology company focused on the capital markets. These are the sort of wholesale trading that happens in foreign exchange and commodities and interest rate derivatives.4.55: Mark had decided to start their trading and risk management system as a development platform that has all that enterprise technology stuff in it and so that quants and data scientists and people like that don't have to be experts at enterprise technology.8.00: The financial institutions have had a sort of 30 plus year history of on-premises data center computers and there is a particular kind of mental model that goes along with that.09.02: Mark shares how their product is this combination of two pieces. One of them is sort of an out-of-the-box set of trading and risk management applications and the second part of the platform is the developer environment where they can go and build their own tools.10.28: Mark says that they are very open with their underlying technology and development environment. Their clients get all of our source code, and they can write their own code in the environment. 12.02: In the early years of the company, Mark spent a lot of time being pretty reactive from a product perspective where basically their road map was whatever the next big prospects wanted them to build, and it kept changing all the time.12.35: Beacon is a big change for people. Jason talks about the implementation timeline for something like this for the people or companies.17.41: Institutions start using Beacon for one particular thing or whatever particular business problem they have and when their developers start using Beacon to build new stuff for the desk, then a new project comes up and they're like, why don't we just use Beacon for this, says Mark.3 Key PointsOne thing where Mark helps people with Beacon is how to use the cloud in the right way because beacons sort of automates all the cloud infrastructure management in the elastic compute stuff.Beacon came into the market after 4 iterations Mark shares how he ended up having to modify and adapt this product that he didn't expect initially.Beacon gives you a lot more flexibility in doing the kind of ad hoc analysis because you have access to elastic computing, says Mark.Tweetable Quotes"The quant has outsourced the most important thing that any developer can do, which deploys your change into production." – Mark"The thing that we didn't properly understand about selling to big institutions is that it's really hard to sell to them when you're a little company." – Mark"I just love the idea of helping the whole industry to get more efficient and productive through using better tools." - MarkResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.linkedin.com/in/mark-higgins-63b0264/https://www.beacon.io/ Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Andrew Kirkland, President, and Co-Founder of Justwealth. The company is a Canadian based Robo advisor that deals directly with consumers but also collaborates with financial advisors.Episode Highlights0.29: Justwealth is an online portfolio manager also known as a Robo advisor and Andrew is bringing investment services to Canadian investors via a very efficient model by using technology.2.55: Just of just wealth is for justice and acting in the client's best interest of all time we are regulated with the Ontario Securities Commission which means we have fiduciary standards to act in the best interest of the clients that we deal with, says Andrew.3.32: Andrew's co-founder background is in the asset allocation space. He actually manufactured some portfolio models for large banks and other high net worth portfolio management in Canada.5.25: It was important for us to make sure that we are building a broad product lineup and if someone looks at Justwealth lineup portfolios, we have a many more options than other Robo advisors, says Andrew.8.25: Andrew says that they have different portfolios for different account types. You could be accumulated in accumulation phase in one of our growth portfolios and invested in a non-registered account.10.13: Justwealth's portfolio investment questionnaire provides questions as to help us figure out which risk level that you're associated and for us, risk is really determined by your ability to take on risk and coupling that with your willingness to take on risks, says Andrew.14.07: Andrew says that they felt that their investment offering of having more options attracted somebody who may have more objectives that need to be met.16.09: People are beginning to realize that costs associated with the bank are just too high for the service that they are getting.18.00: Andrew says that they have financial planning channel, and they are working with financial planners, and they are referring or outsourcing the investments decisions to us20.43: Andrew wishes to have unlimited amount of funds to explain their services to all the people. 21.38: The biggest challenge in new company is to teach yourself to be patient for the public and the users to understand your service, Andrew.3 Key PointsFinancial plan can change and will change between today and 15 years down the road, but people just want to get an understanding for on the right track record and that's what our service can provide from a financial planning perspective, says Andrew.From a cost perspective, the people to have the most gain are not necessarily the millennials. Millennial will get the savings over time, which is phenomenal.Andrew shares where he is finding the majority of his client base.Tweetable Quotes"We are trying to make it as efficient as possible for people to get access to sound, quality, and diversified investment portfolios." – Andrew"In earlier times, there were a lot of costs that associated with the current model that inflated the end cost to the investor." – Andrew"We also have a family that targets or utilized often within RESP and education savings plans." - AndrewResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsor Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Greg Leroux, founder of Retirement Optimizer. It is a Canadian software that optimizes your retirement specifically around strategies on drawing down your assets over time to ensure that you successfully make it to the finish line.Episode Highlights0.42: In existing financial planning software, you enter a series of inputs regarding your assets, spending expectations and what you want your retirement to look like and what you have to fund that, says Greg. 0.55: As per Greg, the difference that we have at Retirement Optimizer is that we apply an optimization engine to the de cumulation side of things.2.56: Many clients ask, what should you be doing instead of the rule of thumb and the answer is there is no answer. Because it depends on lots of things and that's why when it comes to decumulation and retirements or in a game of chess, computers generally beat people, says Greg. 4.53: In any situation you are setting up with the spreadsheet, you are going to be making assumptions about the future, and your assumptions are by nature going to be wrong because we don't know what inflation is going to be over the next 30 years, says Greg. 6.02: Greg started with a company that was a performance reporting company to comply with CRM two requirements and allow people to look at their rates of return and benchmark them against common indices.7.21: Greg was originally contracted by a financial planning firm to build a suite of tools for them. And, once we actually had the solution working, they wanted to go into business with us and commercialize it more generally. 12.21: Computer says you have enough money to retire. It says that you might fall a little bit short if you were just using bucket approach of withdrawing assets. But that might not be where you're concerned. You might want to stretch things, says Greg. 13.18: As per Greg, the output of our system is a series of interactive graphs and tables on a computer screen. But many people who are retired and don't want to be staring at computer screens they can produce a report.17.00: Greg doesn't work under a subscription model like many financial planning pieces of software; instead, it's on a pay per use basis.18.56: As per Greg we are going in two directions right now. One is to make it even more user-friendly for the individual who doesn't necessarily have a financial planner. And other direction is to make it more complex for people who have crazy systems of accounts that include money that's offshore or overseas.3 Key PointsThe majority of people who are entering retirements have real estate as a substantial fraction of their net worth, but they don't intend to live in the same house until the end of their retirement. They intend to downsize at some point.Greg shares his thoughts on conjunction of financial plan with other standard financial planning software. Tech has been red hot industry for the last bunch of years, and it is really difficult even for highly skilled, highly compensated people to resist the siren song of California.Tweetable Quotes"I would like to see the industry evolving towards a computational stuff being handled by computers and human interaction being handled by humans." - Greg"Attracting, retaining talent as long as possible is probably the biggest challenge." - GregResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.linkedin.com/in/grleroux/?originalSubdomain=cahttps://retirement-optimizer.ca/welcome Hosted on Acast. See acast.com/privacy for more information.

In today's episode of Fintech Impact, we have Marcilio Oliveira, Co-Founder of Sensedia. It is a platform that provides API access through microservices for different financial institutions around the world, basically connecting them seamlessly. They are helping the enterprise companies around the world to become more connected, open and digital using the modern integration platform and API.Episode Highlights1.03: Marcilio says that they created Sensedia 15 years ago to help companies to modernize their enterprise sectors. 1.14: In last ten years we have been 100% focused on API management platform to help companies to connect the core data in digital experience, partner journeys and innovation and in the last five years we created a nice, specialized solution for financial institutions, says Marcilio.3.08: The connection between the legacy system with mobile apps, with ecosystems from partners and with different kind of digital experience or digital behaviors is done using API.6.32: Companies are looking for Sensedia when they are trying to evolve the digital experience or part integration ecosystem positioning for open banking service, or they are looking for innovation.7.53: FTX conference in Dallas was amazing because we have around hundred financial companies there and all of them trying to discuss about strategy, not only about Tech, says Marcilio.8.04: API is a tech subject, and it supports new business model, new functionalities, new partners model and new positioning.15.40: Many banks have created their own API management plan because they are using these as internal APIs.16.04: All the financial institution will be part of one or more ecosystems because they have a chance to be the heart of the ecosystem to create their own ecosystem by exposing API.19.05: As per Marcilio, we are going to nice space where everyone needs to be a part of ecosystem.20.03: Companies should be more open and digital and connected and not looking for tech or for business strategy.3 Key PointsMarcilio shares what is the percentage of existing institutions that were non digital before and converting over versus native Fintechs that have come into the market?Fintechs are not looking for a hard discussion about tech integration. They are looking for the good experience in the digital world. So, we have invested a lot in digital experience for the companies beyond the API, says Marcilio.Marcilio shares his thoughts on where is the lack of openness? Is it a reticence of companies entering the space like departing from their norms of keeping things closed and being very defensive with data?Tweetable Quotes"We are focusing the enterprise companies. We are looking for the traditional companies and usually they are asking for our help in three different scenarios." – Marcilio"The open banking is not about regulation, it's about movement and in my perception, Canada will move fast about regulations." – Marcilio"If the company is looking for position as the central of ecosystem, they need to improve the developer experience." - Marcilio"Technology is not a strategy. Technology is there to enable your strategy." - Jason "My motivation is when I explain stories about customers and people show interest to listen more. I love to share stories from achievement with good customers." – Marcilio.Resources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorLinkedIn – Jason Pereira's LinkedInhttps://www.sensedia.com/https://www.linkedin.com/in/marcilioso/?originalSubdomain=brPodcast Editing Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Timothy Nuy, Founder and Co-CEO of Finclusion. The company is an African based neobank that is basically tackling a lot of the structural issues in banking in Africa in a digital way. Episode Highlights1.11: Today our lending products predominantly are either employed or merchant distributors ranging from earned wage access to payroll loans and from buy now pay later to merchant lending facilities, says Timothy.2.06: Timothy explains how he predominantly distinguish clients with our AI based credit scoring where they have consistently outperformed the markets from a collections and repayment perspective on the back of our scoring models.5.14: The traditional data is oftentimes not available on our type of supply and field. Also, the easily accessible credit score, simple repayment behavior isn't available. What is available is a whole lot of different data points that by themselves aren't actually predictable, says Timothy.9.03: Timothy explains how does the business side of the business differ from the personal credit scoring?11.10: Pledging security it depends on the market. In some markets it works, many other markets it doesn't. But depending on the relationship we can take a risk.13.01: One of the benefits of building some of the infrastructure in Africa from scratch is that infrastructure gets built based on modern day design principles.14.17: Buy now pay later has been something that has largely been a newer innovation in the Fintech space and within the last 24 months it's really taken off, says Jason.15.02: Today we can offer credit better than anyone else, but that's a leap. IT doesn't mean we'll always be better than anyone else, says Timothy. 16.01: We basically unconverted ownership of a client into our world and really achieve long term client stickiness, says Timothy.17.07: Timothy would love for the African rails to work as well as they do in India where you could just digitally verify anyone's identity and get access to their data in a readily simple, straightforward way.17.51: Getting people brought into the company culture and building together, creating that feeling of togetherness without actually being able to be together in the same office has probably been the hardest thing to do, says Timothy.19.20: Africa has been in the loss from probably the last 30 years. But Timothy truly believes it is going to convert and end up in the same space as a Brazil or China or India.3 Key PointsTimothy talks about the core problem that has to do with the AI based models on credit scoring you deal with in Africa compared to more developed nations like the US and UK.Timothy’s company does future wage access where they give you a loan which you can repay over 12 to 24 months using about 30% of your income as a maximum installment.The reality of not being able to pay for goods and services at checkout is a much bigger problem in the African population than the rest of the world.Tweetable Quotes“I feel there is no one really addressing the credit gap effectively with products and solutions that truly address the market needs on the ground and we could make a real difference.” -Timothy“We work with any employer more than 200 employees, but we prefer to work with larger employers.” – Timothy“No one would ask you for your house title for a small loan in the rest of the world probably via emerging markets where there's still an opportunity.” - TimothyResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.linkedin.com/in/timothynuy/https://www.finclusiongroup.com/ Hosted on Acast. See acast.com/privacy for more information.