Episodi

  • From Boomers to Gen Z – how different generations approach money and why

    From Boomers to Gen Z – how different generations approach money and why
    Feb 11 2026
    In this episode, we’re exploring how different generations approach money — and why — with generational research expert, Kim Lear. She'll help us understand how these shifting attitudes can have big repercussions, dispel some stereotypes and help us bridge the generational divide when it comes to finances. For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures Key moments this episode: 1:49 – What exactly does an expert at generational research (like Kim) do? 3:50 – Why it's important to study how generational differences impact how people approach money 5:51 – Defining each generation and giving the broad strokes of their approach to money 8:44 – Diving a little deeper on the unique financial situation facing Gen Z 10:01 – Does Gen Z have any advantages when it comes to finances? 12:54 – What tip Kim would give Gen Z for building their wealth 14:48 – What is the ‘guilt of young inheritors’? 17:08 – How has social media influenced how different generations think of wealth and success 18:42 – Are social media trends helping financial literacy? 21:00 – Why transparency between generations has improved 22:44 – How we’ve moved from an ‘environment of secrecy’ to an ‘environment of openness’ when it comes to money 24:13 – Kim's main takeaway from the conversation 25:26 – Bonus question: Which generation does Kim have a soft spot for?
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    27 min
  • Bank of Canada holds again – for now

    Bank of Canada holds again – for now
    Jan 28 2026
    For the second time in a row, the Bank of Canada held the overnight interest rate at 2.25%. The central bank made the decision citing that little had changed from its 2025 October Monetary Policy Report, so holding rates “remain appropriate” as Canada’s current economic outlook appears uncertain given the re-negotiation of the Canada-United States-Mexico Agreement (CUSMA) and evolving trade policies. Scotiabank’s Chief Economist Jean-François Perrault is back on the podcast to break down the latest rate decision, what it could mean for Canadians and what we could see in the second half of the year. For legal disclosures, please visit ⁠http://bit.ly/socialdisclaim⁠ and ⁠www.gbm.scotiabank.com/disclosures⁠ Key moments for this episode: 1:12 – JF’s take on the main takeaway from the Bank of Canada’s latest decision 2:39 – JF on the current level of uncertainty and the challenge it poses 4:30 – How the Canadian economy has been “surprisingly resilient” 6:25 – The outlook for economic growth in 2026 7:51 – What is the “structural adjustment” that Canada is going through? 9:29 – What this all means for the average Canadian 10:49 – What does this mean for Canadians looking to buy a home or renew their mortgages? 12:57 – What are the takeaways for businesses? 14:20 – What are the main takeaways for Canadians from this decision?
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    16 min
  • Former U.S. Open Tournament Director on empowering women in tennis and in business

    Former U.S. Open Tournament Director on empowering women in tennis and in business
    Jan 20 2026
    Athletes like Billie Jean King or Serena and Venus Williams are known to even non-sports fans as iconic trailblazers when it comes to women’s tennis. But there’s another name, a Canadian, who spent a career off the court helping advance women in the sport and beyond: Stacey Allaster. Among her many accomplishments, she was instrumental in securing equal prize money for women, paving the way for the boom in professional women’s sports we’re seeing now. In partnership with the Scotiabank Women Initiative, Stacey is our guest this episode. She tells us the story behind getting that equal prize money, her insights on what it was like being a woman in a male-dominated industry and why it’s important to empower women on the tennis court, in the boardroom and beyond. For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures Key moments this episode: 1:57 – What it was like navigating male-dominated spaces throughout her career 4:36 – The significance of getting equal prize money for women in tournaments like Wimbledon and Roland-Garros 10:12 – What this historic accomplishment taught Stacey about leadership 11:51 – With the expansion of leagues like the PWHL and the WNBA, is women’s sports having a moment right now? 15:26 – Why people still have to go the extra mile to make the business case for women’s sports despite the success we’ve seen 17:38 – Why Stacey also finds it important to empower women off the court in fields like finance and business leadership 21:09 – Stacey talks about her early days at Tennis Canada and the impact it had on her 23:35 – The key factor Stacey learned that can help women succeed in business 24:25 – Stacey tells us what’s next for her as she plans to ‘hang up her full-time racket’ 27:00 – Stacey highlights some of her favourite tennis moments from her career
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    30 min
  • Looking ahead to 2026 with investing lessons from 2025

    Looking ahead to 2026 with investing lessons from 2025
    Jan 12 2026
    In this episode, we're helping investors gear up for 2026 by looking back at 2025. From trade uncertainty to a lesson on headlines versus reality, to AI, Yuko Girard, Vice President and Portfolio Manager on the Multi Asset Management Team at Scotia Global Asset Management, breaks down the last 12 months and gives us some tips for the year ahead. For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures Key moments this episode: 00:10 — Yuko’s one word to sum up 2025 when it came to investing 1:08 — The overarching lesson investors can best take away from 2025 2:30 — How did tariffs and U.S. relations affect investing in 2025 and what lesson can investors take into the new year? 6:36 — How everyday investors can spot the difference between short-term panic and a deeper market correction 8:52 — What lesson can investors take into 2026? 10:57 — How did AI factor in for investors in 2025? 13:19 — What are the main lessons when it comes to volatility that investors can take from 2025 going into 2026? 14:04 — How should investors approach rebalancing portfolios after a market swing? 16:07 — Why diversification is increasingly important 16:43 — One surprising trend that investors should watch for in 2026 17:30 — The main takeaway from 2025 and one key theme for 2026
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    22 min
  • What the Bank of Canada’s rate hold might tell us about 2026

    What the Bank of Canada’s rate hold might tell us about 2026
    Dec 10 2025
    The Bank of Canada has held its key policy interest rate at 2.25% after two consecutive cuts. The central bank’s decision was widely expected and comes as the Canadian economy remains resilient despite tariffs on certain sectors, such as steel and aluminum, and ongoing trade uncertainty. Scotiabank’s Chief Economist Jean-François Perrault is back on the podcast to break down the latest rate decision, why the economy has remained relatively strong, his outlook for rate decisions in 2026, and much more. For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures Key moments this episode: 1:02 – What’s the main takeaway from the Bank of Canada’s decision? 1:27 – What’s going on in the economy that led the central bank to hold the rate steady at 2.25%? 3:58 – Can you help explain why the Canadian economy has remained resilient, despite the events of the last eight months or so? 7:05 – JF’s outlook for 2026 8:45 – How does JF see inflation progressing over the next few months, given government spending and fiscal policy over the next year. What impact could that have? 12:39 – Will food and housing continue to contribute to driving up the cost of living? 14:40 – JF explains why interest rates may rise again in the second half of 2026 17:20 – What impact does the Bank of Canada’s decision to hold now have on Canadians? With a potential rate increase in six months, what does that mean for those looking to buy big-ticket items? 19:22 – What impact does this decision have for businesses? 19:44 – What impact does the U.S. Federal Reserve’s rate decision have on Canada? 22:00 – What are the main takeaways for Canadians from today’s decision? 23:10 – Co-host Armina Ligaya joins us for a big announcement about the Perspectives podcast
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    24 min
  • How charitable giving fits into financial planning

    How charitable giving fits into financial planning
    Dec 1 2025
    In this episode, we walk through the ins and outs of modern-day philanthropy with Jacqui Allard, the Group Head of Global Wealth Management and co-executive sponsor of Scotiabank’s Employee Giving Campaign. She has tips on how to simplify and maximize donations, how to figure out where to give, how giving can factor into estate planning at any level and more. For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures Key moments this episode: 1:14 – The role charitable giving has played in Jacqui’s life and the three pillars that are important to her when it comes to philanthropy 2:53 – What Jacqui would say to someone who might say, ‘I’m not wealthy, how can I think about giving?’ 3:32 – Why it’s important to give 4:03 – How people should decide where to give their money or time 4:57 – Tips of making regular giving easier 6:55 – How philanthropy can play into overall wealth planning 8:57 – The role charitable giving can factor into estate planning 9:37 – Jacqui tells us about the Scotiabank Employee Giving campaign 11:28 – The key takeaway from this discussion
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    13 min
  • Looking back on a ‘historic’ first year: Cedar Leaf Capital hits a milestone

    Looking back on a ‘historic’ first year: Cedar Leaf Capital hits a milestone
    Nov 26 2025
    Canada’s first Indigenous-led, Indigenous-owned investment dealer, Cedar Leaf Capital, just celebrated its one-year anniversary. So, Cedar Leaf’s CEO Clint Davis joins us to walk us through the ups and downs of the first year, the state of Indigenous economic reconciliation, what role organizations like Cedar Leaf play in that process, what the next year might hold and more. For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures Key moments this episode: 2:04 – What is Cedar Leaf Capital? 3:43 – How Cedar Leaf Capital came about and what made it historic 5:14 – What exactly is an investment dealer? 6:42 – Clint breaks down year one of Cedar Leaf 9:58 – Clints tells us about Cedar Leaf’s historic all-Indigenous trading desk and what that represents 12:46 – What Prime Minister Carney’s latest nation-building projects represent for organizations like Cedar Leaf and for Indigenous economic reconciliation in general 21:40 – What lessons and challenges has Cedar Leaf faced in the first year? 23:14 – Clint’s goals for the second year of Cedar Leaf Capital
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    25 min
  • So, what exactly is a will?

    So, what exactly is a will?
    Nov 19 2025
    In this episode Rob McGavin, the Managing Director at Scotiatrust, gives us a primer on wills. We’ll cover the basics from exactly what a will is, why you need one and where to get it. Also, we’ll go a little deeper and explore what roles you might need to assign and who can best fill them, how often to update a will, how to avoid common family conflicts and more. Estate planning is a very personal and complex area, with many nuances and provincial differences. This podcast is intended to address/cover high level matters, not present a comprehensive overview. Everyone’s situation is unique, so it’s important to engage your personal advisors to ensure that all aspects have been fully canvassed before making or changing any part of your estate plan. For more on estate planning, check out our previous episode with Rob McGavin: So, what exactly is a power of attorney? For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures Key moments this episode: 1:42 – Starting with some definitions – what is a will? 2:09 – What is a power of attorney? 3:22 – Why would someone need a will? 4:06 – How many Canadians have a will? 4:54 – When should people think about getting a will? 6:17 – Common reasons why people don’t get a will 7:31 – What are the roles that need to be assigned when making a will? 9:21 – What exactly is an executor and what do they do? 10:55 – How to choose an executor 12:17 – What about hiring a trustee? 13:48 – Other roles that need to be appointed when it comes to a will 15:29 – Why making your wishes clear in a will is important 19:40 – Why you shouldn't assume that when you die your money will go to your spouse automatically 20:53 – Where should someone start when it comes to making a will? 22:22 – How often should you update a will? 23:40 – Why a will is just one part of estate planning 25:10 – Breaking down how taxes work when it comes to estates 27:00 – Why communication is key when it comes to estate planning 28:01 – What is the Code of Conduct for the Delivery of Banking Services to Seniors? 29:10 – The key takeaway when it comes to wills and estate planning
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    30 min