More Money Podcast - 066 Everything You Need to Know About Robo-advisors - Andrew Kirkland, President of Justwealth

Starting point is 00:00:00 Hello and welcome to episode 66 of the Mo Money Podcast. I'm your host Jessica Morehouse. Thank you so much for joining me for another wonderful episode. So lately I've been getting really into the world of investing. I used to be honestly a little bit afraid of it. I thought it was really complex over my head and I really just wanted to focus on, especially like in my 20s, on saving, budgeting, frugal living, that kind of side of personal finance. But over the years, I've gotten really into investing and just how I can make my money make more money. And I feel like it's something that us millennials are kind of afraid of. We don't really understand it and so we don't do it, which is really a

Starting point is 00:00:41 detriment to our future, our future retirement, our future goals, everything like that. So I am making sure I'm bringing on guests who really know what they're talking about when it comes to investing so we can all learn about it together. Which brings me to my next guest, Andrew Kirkland, who is the president of Just Wealth. He is also a certified financial planner and chartered investment manager. And he's been in the biz for over a decade and he's worked at one of Canada's largest independent asset managers. So you know he knows what's going on. And the reason I really wanted him on my show is he actually reached out to me back in the spring and we went out for coffee and just

Starting point is 00:01:21 talk shop for like a good hour and a half. And I was just like, we need you on the show. We being me. Because he just really broke it down and explained investing in just a very understandable way that no one else I feel has ever really explained it to me. And I'm like, yeah, you need to be on the show because you really just say how it is. And he kept on repeating to me, he's like, investing really isn't that complicated. And I'm like, that's what I need you to explain to me and to everyone because I absolutely am on board with that. And I feel like we really do need to understand investing better.

Starting point is 00:01:55 And on top of that is a little freebie. So if you were interested in investing with JustWealth, well, it is the most comprehensive online investment platform in Canada. And if you sign up at JustWealth.com slash Jessica dash Morehouse, you will receive a special $50 bonus when you sign up. So make sure to check that out. I will include information about that in the show notes. JessicaMorehouse.com slash 66. But you know what? Let's just get to the show, shall we? Okay. Okay. Okay. Thank you, Andrew, for joining me today. Well, it's awesome to be here, Jessica. Thanks for having me. You are so welcome. I'm excited to pick your brain about all of your investing

Starting point is 00:02:42 knowledge. But before we get to that, I would like to get to know you a little bit more. What is your background? How did you get into this world of investing? Yeah. So I got into investing. I've been in the investment industry now for over 10 years. And I started at a mutual fund company. And over the last 10 years or so, when I was working there, they sold mutual funds directly to financial advisors who would then sell those mutual funds to their investors. I worked my way up. I started in the call center. I'd answer calls. People would call me and say, what's the account value in my investments right now?

Starting point is 00:03:26 And you can imagine this was probably back in 2006, 2007. So technology wasn't really the first thing people did. They'd call and find out what the actual market value in their account was. It's kind of crazy to think over the last, say, 10 years plus years, it's changed so much. So I started there and I worked my way into different departments there. And I actually, I was able to get to a vice president level at this mutual fund company, where I was the one out there speaking with financial advisors and consulting them on the mutual funds that we had. At that time, we also had exchange traded funds. And, you know,

Starting point is 00:04:07 my goal was to, you know, work with them in hopes that they would sell more products to their investors and just work within a territory in Canada, or sorry, in Ontario. And then from there, I got, I really got to know financial advisors very well. And these financial advisors work, they could have been different, whether it was a bank or somebody that works like at an Edward Jones type of office or another dealership like that. And then I really got to understand what they were doing. And what I found is that a financial advisor, they're typically a little bit older.

Starting point is 00:04:45 In order for them to give advice to their clients, clients need a lot of money. Sometimes they need like $100,000, $250,000 or $500,000 in order for a financial advisor to actually speak to a client. And I just felt that there was this change in how people were interacting. It wasn't necessarily calling a client service desk. It was people wanted to get instant information. They want to use their phone. They wanted to be online.

Starting point is 00:05:15 And I just, I felt there was a, there was a better and there was a more efficient way for advice to be given to investors. And that's when we started, my partner and I started Just Wealth. It was the notion of we wanted to make it efficient and low cost for investors, but at the same time make it fair and honest and act with the utmost integrity. And that's why the company is named Just Wealth. A lot of people assume that we just manage wealth, but the just portion is actually for justice. And we want to make sure that everything we do for our investors are

Starting point is 00:05:54 acting in their best interest and not our own. It has to be all about them. So that's the whole just part and fair and acting with honesty and with integrity. So it's kind of a little background on myself there. Yeah, no, I like that. And I really just like your mission because I absolutely agree when it comes to the financial advisor situation. I've had a few in my lifetime and some good, some bad. And in general, I always kind of go leave feeling I could probably do this myself more efficiently and not have to be, you know, in this office with this guy, you know, never really answering my questions for like an hour. So and it's true. It's like, there's always this kind of like, feeling where I'm like, do they actually have

Starting point is 00:06:42 my best interest at heart? Probably not. Because at the end of the day, their goal, even though they say, no, no, no, this is how I'm compensated and everything like that. At the end of the day, they are salespeople and they do want to make money. So you need to be kind of careful of that. So that's kind of why I am, I mean, my husband and I are more drawn to kind of more the self-directed route because I don't know, I just feel like there's, you know, that old saying, no one will care more about your money than you. And I think that's very true. And so companies like yours, Just Wealth, I think it's definitely something that, especially us millennials, I think are getting more interested

Starting point is 00:07:19 in doing as opposed to maybe going in a more traditional route like our parents. Well, I think if you look at the lay of the land, like up until probably a few years ago, there was no robo-advisor. So our company, Just Wealth, is a robo-advisor. And I can touch on what a robo-advisor means more. But up until a few years ago, there was no companies like ours that existed. And really the only options for like really anyone to invest, it doesn't matter what your age was, was you could do it yourself and you could open up an account at a discount broker or you could work with a financial advisor and, you know, they would provide advice not only on investments but probably insurance planning, tax planning, financial planning, and the whole shebang.

Starting point is 00:08:07 But those are really the two different things. So discount brokers is low cost. If you want to do it yourself, it doesn't cost much because you're the one that is going to be making the trade. It's your expertise. It's your time. They're just providing a platform. Whereas on the financial advisor side, because they're spending the time, they're doing the investment planning, building a portfolio for you,

Starting point is 00:08:35 they'll be providing financial planning. There's a higher cost to that, as there should be, right? Because it's their time and their expertise that is going to be rewarded for them providing that value. What robo-advisoring and robo-advice and what Just Wealth does, it kind of brings both of those worlds together. We provide the low-cost nature of a discount broker or a do-it-yourself investor. But we also bring in some of the expertise that a financial advisor provides. And we do it through our investment planning. And because of technology, we can do this. And like I said, up until a few years ago, the technology and the industry wasn't up to what we can do today. So it's been a great kind of marriage between the low cost and also the professional advice that people want.

Starting point is 00:09:31 And they get it on their terms, right? You can get their – you can access to their portfolios at any time, 24-7. You can interact with us through email, Skype, however. And it's really – it really is the best of both worlds. And it seems to be growing quite quickly in the last couple of years. Yeah, absolutely. There's so many robo-advisors, especially in Canada. I know it's a bit crazy in the U.S.

Starting point is 00:09:59 There's a lot more options there. In Canada, it's getting very popular. Do you want to kind of touch on what exactly is a robo-advisor? What is that all about? Okay. So the term robo-advisor, it sounds like it's literally just a robot managing your portfolio. But the term was coined actually in the United States. And a robo-advisor in the United States can literally be an algorithm managing a portfolio. So there's no human intervention there, which can be kind of scary, I guess, for some people. And it's not something I necessarily would do.

Starting point is 00:10:40 And that's why in Canada, it's a little bit different. So even though it's called a robo-advisor in Canada, it's a little bit different. So even though it's called a robo advisor in Canada, it's this term that's just kind of come up from the United States. But the way a robo advisor works here in Canada is much different. You have to have a licensed portfolio manager watching the portfolio and managing the portfolio on a daily basis. And the only, I guess, similarities between a robo-advisor in the United States and Canada is the way we interact. So if you go to our website, you fill out a risk tolerance questionnaire. And we have a good idea of, based on the answers to those questions, which portfolio you should be in.

Starting point is 00:11:17 But it isn't until we actually have a conversation with you. Then we can find out, okay, you've said this in your questionnaire, but we're actually thinking that you maybe shouldn't take on that much risk, so we're going to actually recommend a lower risk portfolio. That's just from a regulatory standpoint in Canada. That's how it has to be, but I actually think that's the superior way to have your money managed. You're going to get the professional money management.

Starting point is 00:11:44 You're going to get the professional money management, you're going to get the relationship with somebody, you get that constant contact, but you also get the efficiency of using technology and you get the low cost nature that robo-advisors do bring to the table. Now, do robo-advisors generally, is it mainly that they only deal with like ETFs or index funds or it could be mutual funds too? What can they do? Yeah, so when they build a portfolio, within the portfolio, they would invest that person's money into one of many things. Like you mentioned, a mutual fund or an exchange-traded fund. Now, most robo-advisors here in Canada will invest in exchange-traded funds or ETFs because they provide a low-cost avenue to getting access to the market. If you're going to be

Starting point is 00:12:38 investing in a mutual fund, there's more costs and it's more expensive. So sometimes not in the best interest of an investor. So for the most part here in Canada, Just Wealth and some other online advisors or robo-advisors mainly use exchange-traded funds. But we're starting to see an evolution there and there's different strategies coming out. And people are using – they're integrating mutual funds and things like that. But from our standpoint, we believe that if we build a portfolio for a client and use low-cost exchange-traded funds, it's going to be in the best interest of the client. Absolutely. Just for people listening and also I remember the first time I met you a while ago, you just kind of picked your brain about what are – like I am not an investing expert at all. So I'd love for you because you had such a great way of explaining it, the difference between an exchange-traded fund and an index fund and what exactly are those things. Sure. exactly are those things sure they seem to be like kind of buzzy things like everyone in the personal finance fair it looks like that is what they're kind of going more towards and kind of

Starting point is 00:13:48 ditching the the old style mutual funds well yeah not only in you know kind of the the finance world i was reading uh john oliver had a at a column that you know the late night love john i love john oliver yes you know he has some very informative different rants if you want to call them that. But he had Time Magazine kind of did something on the best money tips, best seven money tips. And John Oliver was the one who made these up and recommended these. And one of them was invest in low-cost index funds or exchange-traded funds, right? So it's not just a buzzword in our community that we know it's getting out there to the masses. But basically, you know, when you're talking about

Starting point is 00:14:32 index funds or exchange traded funds, we got to take a step back and think about, okay, what is a mutual fund and exchange traded fund? So a mutual fund, what happens with a mutual fund, you have a person who is managing the money withheld within a mutual fund. And what their job is to do is to go out and select what they feel is the best companies within their specific mandate. It could be companies that are just in Canada or just in the U.S US or companies from around the world. And typically, there'll be like 20 to 30 companies that that manager would select to go within that mutual fund. Whereas with an exchange-traded fund, you're buying the market in most cases. It's a basket of stocks or bonds that are focused on a specific region of the world or even a sector or something

Starting point is 00:15:25 like that. But the way those things – so those are very different. One is very concentrated. It holds 20, 30 companies that the manager thinks is the best and the other one just holds the market. The two differences between the two of these, one, a mutual fund has a higher cost because again, you're paying for that time and that manager to go do that research and all that. Whereas with an exchange traded fund, you're literally just buying the market.

Starting point is 00:15:48 It could be the Toronto Stock Exchange and all the companies in the Toronto Stock Exchange. So there's no human necessarily intervention in there. You're literally getting access to the 60 companies or whatever the index tracks. The other aspect is how do you trade those and how do you buy them? With a mutual fund, they're pretty easy to get access to. You can normally go into your local bank and buy them very simply. With an exchange traded fund, they're not as easy to buy because you actually buy them on the stock exchange, right?

Starting point is 00:16:22 And you buy them throughout the day and there's sometimes like bid and spread, bid-ask spreads and all these different complicated things that people, general public typically doesn't know about. Now, having said that and going down that path, an index fund is a mutual fund. It's structured the same as a mutual fund, but you're buying the entire market. So you're getting the aspects of an exchange traded fund, of the market exposure, but you're getting it packaged in a mutual fund. So you say, okay, well, that sounds, it could sound pretty good. The difference is because of the packaging and how they, they, they, you know, they bring it all together. The cost is still higher than what it would be for an exchange traded fund. So an index fund,

Starting point is 00:17:18 you could go to a bank and buy an index fund for over 1% or one and a half percent potentially. Whereas with an exchange traded fund, if you're willing to trade it yourself, it could be 5 basis points, 10 basis points, a lot lower. And when I say basis points, I'm talking like 0.05%. So it's really low. That's a big difference. It is. And when I say that number, I say 1% or 1.5%. I say that would be what it would cost every single year. Simple terms, if someone had $100,000 to invest or if you're buying an index fund,

Starting point is 00:17:58 the cost is going to be around $1,500 every year versus if you're buying an exchange-traded fund, it could be a couple hundred bucks. Yeah, exactly. So that's really different. Now, obviously, an exchange-traded fund, low in cost is better, and that's where a robo-advisor can come in and help out because we have the capability and we have the experience to do that trading that may be difficult to do on your own.

Starting point is 00:18:25 However, we're giving you exposure to the full market at that lower cost, right? Yeah, that's kind of the thing that I was always interested in ETFs. They sounded good to me, but I'm like, wait, but how do I do that? That seems really complicated. Also, I don't have time to monitor that kind of stuff. Yeah, well, that's another thing. Investing can seem complicated because the industry may just want to do that because it's almost like they don't want investors to do it themselves because they can charge money, a lot of money to make money

Starting point is 00:19:05 off investors. Right. But, um, you know, when you're, when you're, when you're dealing with exchange traded funds, it's, it's, it's really, it's not that hard and it's not that difficult if you know what you're doing. Right. Um, and what I mean by that, it's not that we don't have the information and we can't get it ourselves or do the research. It's sometimes the emotion of investing is what really is the tough part. And I remember as a personal story, my first experience of investing, I started investing in 2006. And I invested in a mutual fund at that time. And it had a great year.

Starting point is 00:19:45 It was up, you know, double digits. I was like, wow, this sounds really good. It's returned really well for the last year. So I'm going to try it and hopefully it does that next year. And sure enough, it didn't, right? Yeah. And so what happens is that you buy on Euphoria but then people sometimes sell when it's at the bottom. And then, as a matter of fact fact you should actually be doing the opposite so you know having that that expertise and somebody who's been

Starting point is 00:20:10 through it and done it and experienced the ups and downs of a market is really i think the toughest part um it's not necessarily looking at which what to buy like you can buy an exchange-traded fund it's like it's helping people stay invested when they should be invested or buying more when it's a good opportunity or selling when it's a little bit too high. So that's the number one difficulty I think most individual investors that are doing themselves probably face. Absolutely. That reminds me of when I started investing in 2010, so it was shitty market. But I also did a lot of research. It's like, okay, yeah, you're supposed to buy low, sell high or whatever.

Starting point is 00:20:54 And even still, you know, I really didn't have that much money, but I still, I wanted to get into the investing game. And so I did and just checking the investments. And I know I probably shouldn't have, but I checked them like every couple of weeks, every month just to see how they were going. And it was hard. You're like, ah, you feel like an idiot when you lose money. But then you feel like a genius when you make a lot of money. Yeah, I know. And everyone talks about their wins.

Starting point is 00:21:17 I know. Yeah, that's true. No one talks about their losses. That's very true. But no, it's just something that I think is so important for young people when I feel feel like lots of people my age are getting into – they're paying off their debt and they're getting to the mode where like, okay, what's kind of next? I'm starting to kind of get my financial house in order and I want to do investing. And I think the big question for most people my age is where do I start? What do I do?

Starting point is 00:21:44 Obviously, they'll kind of talk to their parents or parents will go to a bank and talk to somebody. But there's lots of different options out there, which is why I wanted to talk with you. Because, you know, I feel like, yeah, robo advisors are very new, but I think they could also be very good. But having said that, you know, after I initially met with you, and we chatted about investing, I, you know uh after i initially uh met with you and we we chatted about investing i um you know talked to my husband about you know uh what we chatted about and he was kind of like hmm robo advisors like is there a lot of risk to that and it's it's true it's like there's it seems like a lot of benefit you know there's because there's not a storefront and all these things costs can

Starting point is 00:22:22 be lower but i guess also people are worried because it's online, are there a lot of risks? Like can I lose all my money if I invest with a robo-advisor? Yeah, so it's a good question. It's a valid concern that your husband has. And it's no different than investing with the bank. It's no different than investing with a financial advisor. When we have to go through all the regulations that is needed,

Starting point is 00:22:55 and sometimes even more because it's an online access, right? So an online portal. When we got JustWealth started in 2016, and when we were going through the regulations and with the different securities commissions in every single every single province um it wasn't an easy easy thing to do and we were coming from an experience where my partner had been managing money for some of the largest banks for the last 20 years and i've been working in the industry for the last 10 years um but we had to go we had to meet with these commissions, securities commissions face-to-face and do our due diligence that they needed to do their due diligence.

Starting point is 00:23:33 As far as – that's the registration standpoint. As far as like money being safe, you're investing. So there's volatility in the investing. But as far as your money going away because an online scam or something like that, that's not the case at all. In fact, we don't even hold the assets. They're held at what's called a custodian. So they actually have custody of the assets and we have a relationship with them. And they have all insurance and all this in place if something happens to them the client's money is protected but you know that's hardly ever

Starting point is 00:24:10 it's never happened actually no one's ever had to put an insurance clause because a custodian went bankrupt or anything like that so they hold the assets and then what we do we just make sure that your your investments are invested the way they should be. So we have a certain allocation to Canadian stocks and U.S. stocks. And then we'll keep that on track at all times so that you don't have more exposure to U.S. than you should. Or you don't have more exposure to some type of sector than you should. We just keep it in track and they hold it. And actually, anytime you do a deposit, it's to them.

Starting point is 00:24:53 It's not even to JustWealth. It's to them. So in that case, it's virtual brokers is the company that we're dealing with. But yeah, it's as safe as any investment they would do, whether it's bank or financial advisor. That's good to know. And also, it's also kind of nice. I hear that just any kind of fintech thing that comes up, it's very hard to do anything like that in Canada just because of all the regulations. And that's honestly kind of nice to hear that it's hard to do.

Starting point is 00:25:25 Because it's like there is a lot more options and kind of cool things going on in the States. But, and so, you know, obviously it's a bit harder for some of those things to come to Canada, but it's also kind of nice knowing that we have a lot of regulations. So it's not easy for any, you know, average Joe just to open up their own like investing firm. Right, yeah. And I think, yes, it can be harder as a Canadian business in a regulatory environment or a

Starting point is 00:25:51 business. But that's a good thing. I think that shows that the regulators are doing a good job and they're looking out for the interest of the investor because we don't want – because the last thing anyone would want is to have some type of whatever scam or whatever the case may be because that would just turn people off investing in general. Exactly. And that's not what we want at all. People need to invest. They need to save for certain aspects, whether it's retirement or any other, whether for school or whatever the case may be. So to have those kind of bad clouds over the industry would not be a good thing.

Starting point is 00:26:36 And the regulatory bodies are doing their job there. Okay, last question. How often do you think people should kind of change their investments? I'm never quite sure it's probably a good time to look at it. You know, my wife and I are having a baby in two months. So I'll be looking at my finances and I got to change it around, right? But that's one thing. I'd say at the minimum, you should probably look at it at least once a year. Okay. So not more than that? No. If you're changing your investments like that rapidly, it probably means that you're not in the right investment.

Starting point is 00:27:37 Yeah. And, you know, say, for example, if you're saving for retirement and you're changing your investment portfolio every single year until you retire, say, for example, you're 30 or something like that, every single year until you retire, you shouldn't do that because you're probably not the right investment. You're probably in something that is keeping you up at night. It's causing you stress. And then you're just changing for the sake of changing. something that is keeping you up at night, you know, it's causing you stress and, uh, and then you're just changing for the sake of changing. So, you know, it's, uh, if, if you are, if you are doing that, you're probably not the right thing. Okay. So yeah, that makes sense when,

Starting point is 00:28:15 yeah, kind of, you see that your life is changing and, you know, you maybe need to do something a little less risky or more risky or whatever. That makes sense. And as far as looking at your investments, I've heard that you don't really need to look at your investments more than once a year. Because I guess the downside, if you look at it too often, you may get emotional and want to switch things up when maybe you should just leave it be. Yeah. That is probably good advice to look at it once a year, but you're able to look at it daily if you want. But it's not, you know, I remember, again, like if you're looking at it

Starting point is 00:28:54 daily and it's causing you grief and you don't like the movement of your investment, again, that probably means you're not in the right thing, right? So it's almost like you shouldn't have to look at it very often, right? Yeah. There shouldn't be some golden gold. There shouldn't be any surprises. Right, exactly. And I think that's what I like about what we're trying to do at Just Wealth is because every single client that becomes a client of ours goes through an investment questionnaire and is asked questions on, okay, you know, what is your expectation for this portfolio? How much do you like invested in

Starting point is 00:29:29 Canada? Or what is your time horizon? And, and what we found is that when we've, when we've brought on clients and they've answered those questions, we don't, we don't have that many conversations about someone who's worried about their investment because we're not really, we're listening to what they're telling us and then investing based on that. So whereas I think with whether it's other institutions, they tend to have a product that they need to sell a client. Whereas we're trying to do, it sounds like it shouldn't sound foreign, but it is, but we're doing it the exact opposite. We need to learn first about the client before we can actually recommend a portfolio for them, which should be the way it is at all times. Absolutely.

Starting point is 00:30:19 Yeah, so I don't think – if you're in the right portfolio, you shouldn't have to look at it very often. A couple of times a year, maybe once a quarter, you usually get a, you usually get a statement at least at the bare minimum, you get a statement once a quarter. Uh, that's what the regulatory bodies say. You have to, we have to send statements out once a quarter. So check it out there. But, um, you know, you, you, you shouldn't be too surprised if, and if you are, you're probably not in the right investment. Well, yeah, totally agree.

Starting point is 00:30:48 Well, thanks, Andrew, for chatting with me. And I know I'm going to do way more research about robo-advisors and see if it's – I have a feeling that's kind of the route that me and my husband are probably going to go into. And I just think it's an exciting time, honestly, to be around right now being kind of a millennial with all these different options. So you're not kind of just stuck with one or two things. Well, and it is a great time. And I think the millennials, if you're just getting into investing, it's a good time to get in because up until now,

Starting point is 00:31:23 there really hasn't been much transparency in the investment world. You invested money into a mutual fund and you didn't really know how much you were paying for it. You didn't know what your fees were. But there's changes coming in the industry that is now going to show on a statement how much you're paying for advice and if you're getting a good return or a good value in return for that cost. And I think that's changing in early 20... Well, it's already changing, but it's going to start showing on statements in early 2017. So I always kind of...

Starting point is 00:31:58 Yeah, that'll be interesting to see. I'm excited because it's like you can see on your statement the MER percentage, but you don't have the dollar amount. And I remember I used to always ask my advisor, I'm like, but how much? And he just kept on just, I don't know, he never really came to the point, so I always had to calculate it later. Yeah, and sometimes people don't, you know, depending on how much they have invested, but you see, say, 2.5% because that's a typical MER or fee on an annual basis for a mutual fund, 2.5% because that's a typical MER or fee on an annual basis for a mutual fund, 2.5%.

Starting point is 00:32:26 But you see that. Like 2.5% doesn't necessarily sound like that. Yeah, exactly. But when you equate that back to a dollar term, it could be quite expensive and it could be one of the most expensive things you actually have that year. And it could be expensive on a mutual fund you're not making that much money off of, you know? Right. Exactly. When there's other avenues that can provide similar service, if not superior service for a lower cost. So we always have a saying, it's like, keep your fees like your milk under 1%. And if you can do that, if you can do that, you're going to be pretty good. So yeah, there you go. Keep your fees under 1%.

Starting point is 00:33:05 I really like that. I feel like I should just put that on my fridge right now. There you go. Keep your fees under 1%. That's a great thing to remember. Easy to remember. Well, thanks again, Andrew, for chatting investment talk with me. It was super fun. Well, thank you. I had a blast too. Thanks for your time. And that was episode 66 with the wonderful Andrew Kirkland, president of JustWealth. And Well, thank you. I had a blast, too. Thanks for your time. So a big congratulations to you, Andrew, and good luck. You're going to be very tired and very busy, I'm sure. And again, if you are interested in investing with JustWealth, which is Canada's most comprehensive online investment platform, make sure to do so by checking out my special link, justwealth.com slash Jessica dash Morehouse.

Starting point is 00:34:00 You'll get a special $50 bonus when you sign up with them. JustWealth, investing the way it should be, just for you. So make sure to, there's going to be more information in the show notes, JessicaMorehouse.com slash 66 about that special offer, about all the things that we talked about, more about Android, JustWealth, and all that good stuff. And before I let you go, I got some new iTunes reviews. Thank you so much for giving me the reviews.

Starting point is 00:34:24 And if you're listening and you haven't given me a review yet please please please please just spend the next two minutes to give me a review and i will give you a shout out on a future episode all right the first one i have is from impatient fan from usa um they say i pop in my earbuds and eavesdrop on fun conversations with great guests about my favorite topic, money. Jessica, it's easy to listen to, ask great questions, and lands interesting guests. Fast becoming one of my favorites. Well, thank you so much, Impatient Fan from the USA.

Starting point is 00:34:54 I appreciate you and your review. And next, I've got Kiki underscore OE from Canada. And they say, I gained an interest in becoming financially educated and debt repayment after paying for my wedding and sought areas to self-educate. And I must say your podcast has been so helpful. I spent a week listening to every episode and I'm sad I'm done because now I have to wait for new ones. Thank you very much for the stories of everyday individuals that inspire and assist others. Well, thank you, Kiki. I am trying my best to get new episodes to you as soon as possible so you won't have to wait too long.

Starting point is 00:35:30 But thank you for binge listening to all of my episodes. That's awesome. I really, really appreciate you and your iTunes review. So if you haven't given me your review, please take a few minutes to do so. I'd really appreciate it. If not, that's okay. Whatever. No big deal. Still like you a lot. And make sure to check out tomorrow. I've got another listener series episode with a gal named Heidi from Vancouver, and you're not going to want to miss it. Peace. this podcast is distributed by the women in media podcast network find out more at women in media.network

More Money Podcast - 066 Everything You Need to Know About Robo-advisors - Andrew Kirkland, President of Justwealth

There aren't comments yet for this episode. Click on any sentence in the transcript to leave a comment.