RBC Wealth Management – Beyond Your Money

The Mortgage Process with Kevin Giza

By beyondyourmoney | September 1, 2021

When going through the process of obtaining a mortgage, you likely have a lot of questions. Like, what type of mortgage should you apply for, and at what term?

In this episode, Mike Dukovich sits down with Kevin Giza, president of The Giza Group, at Crosscountry Mortgage, LLC as they discuss mortgages. Kevin shares his knowledge of how the process works, what you need to know before beginning the process, and some tips on how to help you become the successful buyer of a home.

Kevin discusses:

What pre-qualification is, what it does, and how long it lasts
What you need to prepare ahead of time before beginning the mortgage process
The job of the underwriter and the processor
Types of mortgages and how they work
When refinancing makes sense
And more

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About Our Guest:

Kevin is the president of the Giza Group and he’s the originating branch manager for the Pittsburgh office of Cross Country Mortgage, LLC. Kevin has been recognized as a top producing loan officer in Pittsburgh and nationally for many years, with numerous corporate awards, industry nominations and features in various publications over the last 20 years in the industry.

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The Importance of ESG in Investing With Kent McClanahan

By beyondyourmoney | August 9, 2021

In recent years, we have seen an increase in ESG Scores being used to determine whether or not individuals get involved with a specific investment.

ESG Scores are used to determine the efforts made by companies in the areas of environment, social and governance.

In this episode, Mike Dukovich sits down with Kent McClanahan, vice president of responsible investing with RBC Wealth Management, as they discuss the topic of ESG in relation to investing. Kent shares information that points to ESG becoming something more people are looking toward when creating investment portfolios.

Kent discusses:

What ESG Scores are and how they are determined
Where you can find information regarding a company’s ESG
How companies are changing due to the popularity of ESG
Examples of environmental, social and governance factors fitting into ESG
And more

Connect With Kent McClanahan:

Connect With Mike Dukovich:

Resources:

The studies discussed in this podcast were:

Intangible Asset Market Value study done by Ocean Tomo in 2020 (https://www.oceantomo.com/intangible-asset-market-value-study),
MSCI study on cost of capital from 2018 (https://www.msci.com/www/blog-posts/esg-and-the-cost-of-capital/01726513589),
Sustainable Reality report done by Morgan Stanley in 2019, covering the years between 2004-2018. (https://www.morganstanley.com/content/dam/msdotcom/ideas/sustainable-investing-offers-financial-performance-lowered-risk/Sustainable_Reality_Analyzing_Risk_and_Returns_of_Sustainable_Funds.pdf

About Our Guest:

Kent McClanahan is tasked with leading responsible investing efforts, including environmental, social and governance (ESG) and impact investing, in coordination with colleagues across the organization. His responsibilities in this role are advisor and client education, thought leadership and due diligence across a number of investment types and vehicles.

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The Universal Truths in Wealth Management, Part 2

By beyondyourmoney | June 30, 2021

The universal truths in wealth management – guidelines designed to help you reach your financial goals.

In this episode, Mike Dukovich welcomes you to part 2 of his series on the universal truths of wealth management. Mike discusses even more truths that he thinks you need to know to make better informed decisions.

Mike discusses: