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The CM Group

Join us on the Free Lunch as we discuss educational content on investing, savings strategies, financial planning, and all of things that are important that require planning, money and time. The Free Lunch Podcast is hosted by The CM Group a wealth management team that has been working with investors since 1985. At the core of our investment philosophy, you will find these principles: -Markets Are Efficient and Work over Time -Successful Investing Results from a Long-Term Disciplined Approach -Fear and Greed Degrade Portfolio Returns -Costs Make a Difference -Portfolio Diversification Reduces Risk To learn more about The CM Group visit our website https://markets-work.com/ and listen to our podcast every Wednesday.

Total 232 episodes

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Credit Market Quandary or Opportunity?

Credit Market Quandary or Opportunity?

In today’s episode Greg and Colin talk about the credit market. Looking back at what led up to the Global Financial Crisis/ Global Credit Crisis of 2008 and are we headed back there? Are there red flags around housing markets and available credit that we should be looking at?  Enjoy the show!

28:5322/12/2021

Having a Money Mindset with Melissa Houston

Having a Money Mindset with Melissa Houston

In todays episode Greg and Colin interview Melissa Houston. Melissa is a Chartered Public Accountant who has successfully bridged the gap between money and emotions. Enjoy the show!

30:2308/12/2021

Estate Planning with Jonathan Ng, continued….

Estate Planning with Jonathan Ng, continued….

In today’s episode Greg and Colin continue their estate planning discussion with Wills and Estates Lawyer Jonathan Ng. Discussing the significant issues around executor duties, probate, and all things related to your estate. Enjoy the show!

28:3801/12/2021

Will & Estate Planning with Jonathan Ng

Will & Estate Planning with Jonathan Ng

In today’s episode Greg and Colin interview Jonathan Ng about will and estate planning. Jonathan is a Wills & Estate lawyer at Underwood Gilholme in Calgary, Alberta. The discussion focuses on the importance of having a proper estate plan and how to get started. Enjoy the show!

28:0324/11/2021

‘Superforecaster' Warren Hatch

‘Superforecaster' Warren Hatch

In today’s episode Greg and Colin talk with Dr Warren Hatch, CEO of Good Judgement Inc.  Dr Hatch discusses superforecasting, what it is and how it is applied in today’s world of investing.  Enjoy the show!

32:3417/11/2021

Mountains and Markets with David Rosell

Mountains and Markets with David Rosell

In today’s episode Greg and Colin interview David Rosell. David is an avid adventurer, financial author, speaker, and wealth advisor. David talks about the lessons he has learned climbing some of the highest peaks in the world. “The real danger is on the way down”, similar to retirement planning and retirement transition. Enjoy the show!

31:0810/11/2021

“Boo”, Spooky Investment Stories

“Boo”, Spooky Investment Stories

In today’s episode Greg and Colin talk about scary things that have occurred during the month of October in markets.  Discussing the October Effect and potential “Black Swan” events. Enjoy the show!

28:0203/11/2021

Erik Ristuben, Looking Beyond 2022

Erik Ristuben, Looking Beyond 2022

In today’s episode Colin Andrews interviews Erik Ristuben to discuss the landscape going in to 2022. Erik is the Chief Investment Strategist at Russell Investments. He discusses the outlook for interest rates, inflation, supply chains, and much much more. Enjoy the show!

41:5927/10/2021

In the news…headlines reviewed.

In the news…headlines reviewed.

In todays episode Greg and Colin review the biggest headlines investors are faced with currently. What is the importance of Evergrande not being able to make their bond coupon payment? Where is inflation headed, what about interest rates? What is going on in the US with the debt ceiling? How is the Canadian dollar linked to the price of oil? And lastly…what is the deal with supply chains in the world economy? Enjoy the show!

31:5920/10/2021

“I’m dead…I hope I was organized!”

“I’m dead…I hope I was organized!”

In today’s episode Greg and Colin discuss the importance of organizing your estate, while you can! It is time to get organized, prepared for a what if moment…Enjoy the show!

26:4613/10/2021

Arm chair research with Sarah Newcomb

Arm chair research with Sarah Newcomb

In todays episode Greg and Colin interview the Director of Behavioural Science at Morningstar, Sarah Newcomb. We discuss such topics as hostile envy, overcoming struggle, and what it is like to be an arm char researcher. A great discussion about behavioural biases and how you can get ahead without leaving your values behind. Enjoy the show!

33:3906/10/2021

I’m dead…now what?

I’m dead…now what?

In today’s episode Greg and Colin talk will and estate planning. What is the importance in having a will? What are the three documents of basic estate planning? Well I guess if you don’t know that then you better listen to the episode. Enjoy the show!

28:2329/09/2021

Looking under the hood

Looking under the hood

In today’s episode Greg and Colin discuss different account types.  Explaining the difference between traditional transactional accounts, fee based accounts, and discretionary accounts. There are differences and you need to understand what they are. Enjoy the show!

31:3722/09/2021

Reflections on Elections

Reflections on Elections

In today’s episode Greg and Colin discuss the potential impact on stock markets from elections. With only a few days until the Canadian election it seems like a good time to see if there is any correlation or causation on market returns from election results. Enjoy the show!

26:1915/09/2021

What is inflation and why is it important?

What is inflation and why is it important?

In today’s episode Greg and Colin discuss Inflation. This is something that has been coming up a lot these days as we are dealing with transitory inflation from the global economic lock down. But what is it? Why is it important? Enjoy the show. 

36:1408/09/2021

How to become an expert

How to become an expert

In today’s episode Steve Molina and Colin Andrews look at what it is to become an expert. Where does this idea of being an expert come from and how can you set yourself up to be one. Hint…it takes a lot of hours…enjoy the show!

27:1901/09/2021

Talking Inflation, Interest Rates and Market Cycles with Paul Eitelman

Talking Inflation, Interest Rates and Market Cycles with Paul Eitelman

In todays episode Steve Molina and Colin Andrews interview Paul Eitelman. Paul is Director, Global Investment Strategy with Russell Investments. Paul shares with us his views on transitory inflation, interest rates, and current market conditions. This is a must listen to episode, enjoy the show!

32:4225/08/2021

Headlines Dividends & Market Cycles

Headlines Dividends & Market Cycles

In today’s episode Greg and Colin wrap up the Back to Basics Mini-Series. Today they discuss topical items like current headlines, should you invest in dividend stocks, and how to deal with market cycles. Enjoy the show!

28:3818/08/2021

The Silent Killers…Fees, Expenses & Taxes

The Silent Killers…Fees, Expenses & Taxes

In today’s episode Greg and Colin carry on the Back to Basics Mini-Series and discuss the costs involved in investing. Looking at what fees are charged, expenses incurred, and taxes to be paid. It is important to understand what your fees are, after all, the less you pay the more you keep. Enjoy the show!

29:1611/08/2021

Back to Basics…Factors of Return

Back to Basics…Factors of Return

In the third episode of the Back to Basics mini-series, Greg and Colin discuss factors of return. This is such an important topic, you can reduce your risk level but still have higher expected returns if you have the right factors in your portfolio and are properly diversified. Enjoy the show!

29:1604/08/2021

Back to School…Stock Picking & Market Timing

Back to School…Stock Picking & Market Timing

In today’s episode Greg and Colin continue on their back-to-basics mini-series. Discussing the futility of stock picking and market timing, focus your efforts elsewhere! Enjoy the show. 

31:3628/07/2021

Back to School…Asset Allocation & Diversification

Back to School…Asset Allocation & Diversification

In today’s episode Greg and Colin launch a mini-series focused on back to basics for investing. This episode talks about the importance of Asset Allocation and Diversification. These are things you just need to get right. Enjoy the show!

37:3021/07/2021

What is a mutual fund?

What is a mutual fund?

In today’s episode Greg and Colin discuss how a mutual fund is constructed. The different classes of mutual funds, expenses, expense ratios, and liquidity factors. Also addressing the pros & cons of investing in this type of security. Enjoy the show!

30:5514/07/2021

Gratitude, Meditations, Touchdowns & Health

Gratitude, Meditations, Touchdowns & Health

In today’s episode Greg and Colin interview a former NFL and CFL player turned fitness guru about getting healthy! Pat Woodcock joins us today to discuss misunderstandings in getting healthy and fit. Identifying the link between nutrition, exercise, mental health & wealth. Enjoy the show!

30:4107/07/2021

How safe is my money?

How safe is my money?

In today’s episode Greg and Colin discuss the safety measures in place in regard to investment accounts. Reviewing the Canadian Investor Protection Fund (CIPF), Canadian Deposit Insurance Corporation (CDIC), and also discuss the difference between a fiduciary and a sales person. Enjoy the show!

33:3830/06/2021

Heath & Wealth Mini-series - Complexified Perfectionism

Heath & Wealth Mini-series - Complexified Perfectionism

In today’s episode Greg and Colin conclude the health and wealth mini-series by interviewing a recovering perfectionist!  Jen Anderson joins the show to discuss what a perfectionist is and how to behave more as an accomplist instead! Enjoy the show.

29:3023/06/2021

Heath & Wealth Mini-series - The Mind

Heath & Wealth Mini-series - The Mind

In today’s episode Greg and Colin interview Charlene Valentine, a holistic mind coach. Charlene talks about the impact of low self esteem and results. Focusing on creating routine, tiny habits, and tracking your progress to a goal. This is the second of three episodes in our health and wealth mini-series. Enjoy the show!

31:4016/06/2021

Health & Wealth Mini-Series - Your Body!

Health & Wealth Mini-Series - Your Body!

In today’s episode Blair Howell and Colin Andrews interview Christine Dixon, an Osteopath at Prairie Therapy. We discuss the links between stress and your body and what you can do about it. Markets can be stressful enough, but if you are not getting enough sleep…a recipe for disaster! Enjoy the show.

29:0409/06/2021

Bursting the bubble.

Bursting the bubble.

In today's episode Greg and Colin look at bubbles. Discussing the most famous stock market and asset bubbles that have occurred over history. Discussing what to do when you are in one..or do you only know that it was a bubble after the fact? Enjoy the show!

33:0802/06/2021

“To DIY, or not to DIY”

“To DIY, or not to DIY”

In todays episode Greg and Colin discuss the (DIY) "do it yourself” mentality, and how it relates to investing. Looking at what are the motivations for people doing things outside of their area of expertise. Discussing the lock smith paradox and weeding a garden as they relate to investing. Enjoy the show!

33:0326/05/2021

IPP, a Super Charged RRSP?

IPP, a Super Charged RRSP?

In today’s episode Greg and Colin interview Ryan Ackers from GBL. Ryan shares his knowledge of Individual Pension Plans and Retirement Compensation Arrangements, something he refers to a super charged RRSP. Listen in to hear the strategies that business owners and professional corporation owners can take advantage of. Enjoy the show!

32:1119/05/2021

The Anniversary Edition

The Anniversary Edition

In today’s episode Greg and Colin look back at the past 50 episodes from the last year. Reviewing topics covered and guest speakers who helped cover them. Hard to believe it has already been one year, enjoy the show!

33:5512/05/2021

Probably its Probability

Probably its Probability

In today’s episode, Greg and Colin discuss the effects of probability on portfolio returns. Looking at probability theory and distribution and how they relate to playing roulette or investing in markets. Enjoy the show!

33:5505/05/2021

Unbiased Biases with Daniel Crosby

Unbiased Biases with Daniel Crosby

In today’s episode Greg and Colin interview Daniel Crosby. Daniel is a PhD Psychologist, a noted behavioural finance expert, and a New York Times best-selling author. During the episode we discuss why we make the decisions we make by understanding our biases and what we can do to avoid making bad ones (as much as possible). Enjoy the show!

37:4428/04/2021

How Goldilocks Invests In Retirement

How Goldilocks Invests In Retirement

In today’s episode Greg and Colin wrap up their retirement mini-series. The focus of the discussion for this episode is how to invest during your retirement years. You can’t start at the product though, you must understand which balance is “just right” for you and your goals. Enjoy the show!

35:2421/04/2021

“FUN”ding Retirement

“FUN”ding Retirement

In today’s episode Blair Howell and Colin Andrews carry on with the retirement mini-series, discussing various ways to fund retirement. Digging into the importance of layers of income in funding your retirement to live the life that you want to live. Enjoy the show!

40:2914/04/2021

A Random Walk Through Retirement

A Random Walk Through Retirement

In today’s episode Greg and Colin continue their miniseries on Retirement Planning. Discussing how retirement is a transition to your second life, not a destination. So, what is your retirement vision? What things do you plan on doing during your back 9 on the 18 holes of life? Enjoy the show!

30:4907/04/2021

If I had a million dollars...

If I had a million dollars...

In today’s episode, Greg and Colin start a mini-series focused on lifestyle and retirement planning. In this first episode of the mini-series, they talk about three main items. The first is 6 reasons, or things, to ask yourself prior to making a decision about retirement. Secondly, they discuss the results of a recent survey about what people would do with an extra million dollars. Lastly, they finish the episode discussing a shortlist of 5 things that people in palliative care have identified as things that they regret. Enjoy the show!

29:2431/03/2021

Filling in the gaps of Philanthropy

Filling in the gaps of Philanthropy

In today’s episode Greg and Colin interview Kris Putnam-Walkerly. Kris is a subject matter expert in philanthropy and philanthropic planning and giving strategies. Kris has been featured in the Wall Street Journal, The Washington Post, Forbes, Variety, and now on the Free Lunch Podcast! Enjoy the show.

41:4624/03/2021

A Buffet of ‘Buffett' and Bonds

A Buffet of ‘Buffett' and Bonds

In today’s episode Steve and Colin interview Alex Heron, an Executive Vice-President of National Sales at Pimco. Alex shares with us his thoughts on the bond market, inflation, and interest rates. We also discuss Warren Buffett’s most recent annual letter to investors and his call of caution as it comes to fixed-income investing. Enjoy the show!

34:2517/03/2021

“The” Investment Question, Always…

“The” Investment Question, Always…

In today's episode, Greg and Colin talk about market timing and the struggle. “The” investment question investors are asking now is if this is a good time to invest in stocks, bonds, bitcoin, real estate, etc. The investment question is actually a reframing of market timing. The struggle to time markets, any markets, is one of the most difficult things to do. Enjoy the show!

34:5510/03/2021

Too McCool for School, Compassionate Leadership

Too McCool for School, Compassionate Leadership

In today’s episode Greg and Colin interview Tara McCool. Tara runs a leadership consulting business focused on delivering compassion and empathy from senior leadership. Tara has a diverse background starting at Good Morning America, MTV, Global Television, transitioning to work in Human Resources and ultimately now as a leadership coach. Enjoy the show!

38:0003/03/2021

Indices, you must reconstitute!

Indices, you must reconstitute!

In today’s episode of the Free Lunch, Greg and Colin look again at index investing. Discussing what index investing is, how it works, and what are the major indices in global stock markets. Enjoy the show! 

35:1024/02/2021

Cautionary Tales, it’s story time!

Cautionary Tales, it’s story time!

In today’s episode Greg and Colin discuss the hysteria that erupts at times around certain stocks or themes. Looking back at story’s of past issues that where problematic in investing in specific companies or themes with good stories. Fear is transitory and greed is part of the human soul...Enjoy the show!

38:3417/02/2021

Stock Market Outlook with Erik Ristuben

Stock Market Outlook with Erik Ristuben

In today’s episode Greg and Colin interview Erik Ristuben, Global Chief Investment Strategist at Russell Investments. Erik joins us from the land of Seahawks, Pearl Jam, the birthplace of Jimi Hendrix and Starbucks. Discussing where global stock markets are now and what the indicators are telling us for the future, everything from planning, asset allocation and diversification to Game Stop. Enjoy the show!

37:5010/02/2021

Fixed Income Facts with Marc Goldfried

Fixed Income Facts with Marc Goldfried

In today’s episode Greg and Colin interview Marc Goldfried. Marc is the Chief Investment Officer and Head of Fixed Income at Canoe Financial. Marc gets technical on the fixed income market, what it is, how it trades, pitfalls of excessive risk in fixed income holdings, and what to do. Enjoy the show!

46:0203/02/2021

Debunking the RRSP vs TFSA Debate

Debunking the RRSP vs TFSA Debate

In today’s episode Blair Howell joins Colin as a subject matter expert on financial planning. Blair discusses with Colin the differences between RRSP accounts and TFSA accounts. Digging into tax benefits, survivorship benefits, and basically a little bit of everything related to this discussion. Enjoy the show!

32:5227/01/2021

Getting Philosophical on (Investment) Philosophy

Getting Philosophical on (Investment) Philosophy

In today’s episode Greg and Colin talk about teaching an old dog new tricks. Digging into the importance of having an investment philosophy and sticking to it. Your philosophy is as important as your financial plan, both need to be adhered to if you wish to have a positive outcome. Enjoy the show!

34:4120/01/2021

Showing Grit in 2020, Bring on 2021!

Showing Grit in 2020, Bring on 2021!

In today’s episode Greg and Colin discuss the one word that best characterizes the events of 2020. Reviewing what happened in the past year, what we learned from it, where we are at now and how we are using those learnings going into the new year and new decade. Enjoy the show!

31:0013/01/2021

You Just Got “2020’d”, Stock Picking For 2021!

You Just Got “2020’d”, Stock Picking For 2021!

In today’s episode Greg and Colin revisit past stock picks from lists of industry professionals. Discussing the merits of predictions versus the reality of outcomes. There is a distinct difference between models and reality...This is our last episode of 2020 and we cannot wait to have that year behind us, we all got “2020’d". Enjoy the show!

30:3030/12/2020