Standard Deviations with Dr. Daniel Crosby

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

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 exitHow 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 businessWhat 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.

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.comLinkedIn -https://www.linkedin.com/in/iv%C3%A1n-watanabe-2185a49/