Summary In this episode of the Millennial Money Canada podcast, host Guillaume Girard interviews Graham Bergsma, a seasoned expert in the insurance industry. They discuss Graham's journey from playing NCAA lacrosse to becoming a successful insurance consultant. The conversation delves into the importance of understanding client needs, the role of financial planning, and the nuances of whole life insurance. Graham emphasizes the significance of bridging the gap between numbers and client values, and how insurance can serve as a tool for financial flexibility and control. They also explore tax liabilities, estate planning, and the evolving landscape of insurance fund management.   Topics Covered in this Episode 00:00 Graham's Journey: From Lacrosse to Wealth Management 08:37 The Importance of Coaching in Financial Services 15:03 Understanding Client Goals and Financial Planning 19:57 Diving into Whole Life Insurance 33:39 Evaluating Growth in Permanent Policies 40:17 Understanding Policy Design and Market Dynamics 44:33 Innovations in Insurance Fund Management 49:08 The Role of Insurance in Wealth Management 53:59 Maximizing Cash Value in Insurance Policies 01:00:16 Tax Planning and Estate Management Strategies 01:06:10 The Importance of Control in Financial Planning   G3 Wealth Strategies & Consulting Website: GBL: https://g3-wealth.com/ Graham on LinkedIn: https://www.linkedin.com/in/grahambergsma/   Work with Millen Wealth AdvisorsBook an intro meeting: https://www.mwadvisors.ca/Self-paced tax and investing course for business owners: https://courses.mwadvisors.ca/   Follow Sam and Guillaume on Social MediaPodcast YouTube Channel: https://www.youtube.com/@MillennialMoneyCanadaPodcastSam’s TikTok: https://www.tiktok.com/@millennialmoneycanada?lang=enSam’s LinkedIn: https://www.linkedin.com/in/sam-lichtman/Guillaume’s Instagram: https://www.instagram.com/financialplannergui/Guillaume LinkedIn: https://www.linkedin.com/in/guillaume-girard-cfa-cfp-08487170/   Keywords Insurance, financial planning, whole life insurance, financial literacy, client needs, estate planning, tax liabilities, cash value, investment strategies, wealth management