In this episode, we talk with Oliver Manalese from Oakville, Ontario. Oliver is a real estate expert who felt lost even though he was doing well. He turned his life around and now helps other real estate investors feel happier and more fulfilled. Listen to his story and learn how to find your passion again in real estate. Don't miss this inspiring conversation!
==================================
Want to grow your real estate investing business and portfolio? You’re in the right place.
Welcome to the Property Profits Real Estate Podcast💥🔥🎯
My name is Dave Dubeau, founder of MoneyPartnerFormula.com and this show is built for regular people real estate investors with a few deals under their belt looking to scale…using other people’s money (aka OPM or Private Capital).
Want to know how? Keep listening!
Here’s 4 Ways I Can Help You in Your Business for FREE:👇👇👇
- Get a copy of my FREE BOOK - Money Partner Formula: How to Raise 6-Figures in a Few Weeks and 7-Figures in a Matter of Months. https://investorattractionbook.com/
- If you’re a ‘regular person’ real estate investor (i.e. not an absolute newbie, nor a syndicator) with at least 2 deals under your belt, we want to interview you on the show…head to:
>>>http://daveinterviewsyou.com/
- Download our “Capital Roadmap”- FREE TRAINING - Dave's Full Capital Strategy in One Page Roadmap and Video (17 Minutes) https://www.raisecapitalmap.com/optin
- Listen and Subscribe to our Top 100 Podcast – Property Profits Real Estate Podcast
>>> iTunes: https://podcasts.apple.com/us/podcast/id1445202776?mt=2&ls=1
>>>Spotify: https://open.spotify.com/show/6Ou8iVEaRGpIbnMoLPeva8
If you want help to raise 6 figures in a matter of weeks and 7 figures in a matter of months…
- Schedule a 1-on-1 Conversation with Dave to see how we can help http://bookachatwithdave.com/
WEBSITE - https://moneypartnerformula.com/
ABOUT Dave Dubeau
========================
Dave Dubeau helps real estate investors raise private capital to buy more properties. Since 2013 he’s helped over 250 private clients cumulatively raise over 350M in private capital. All of them focus on raising capital from their existing network first. Many generate six figures within a few weeks, and some generate seven figures within a few months. He loves pulling back curtains to teach his entire strategy, so others can do the same. He also is looking to work with more clients and would love to chat with you to see if your real estate investing business and goals are a fit for his strategy. This would include investor list creation, websites, marketing, building a million dollar investor presentation, and regular capital coaching and mentoring to reach your goals. If you want to talk to Dave 1-on-1 on zoom, then pick a time on Dave’s Calendar. http://bookachatwithdave.com/
========================
Dave Dubeau (and Results Enterprises Inc.) is not in the business of providing personal, financial or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this document. Also, Dave Dubeau (and Results Enterprises Inc.), this document, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed and certified professionals should be sought. In addition, Dave Dubeau (and Results Enterprises Inc.) does not endorse ANY specific investments, investment strategies, advisors, or financial service firms. The above summary disclosure is provided as an overview, and is not intended to be comprehensive.
Additional details are reflected below.
See full disclosures here: https://davedubeau.com/disclosure NO INVESTMENT, FINANCIAL, LEGAL OR TAX ADVICE. The contents of this video are for informational and educational purposes only. They should not be considered investment, financial, legal or tax advice. Dave Dubeau (and Results Enterprises Inc.) is not licensed in the insurance or securities industries and is not in the business of selling, soliciting or negotiating the sale of any insurance contract, security or other investment vehicle.
My name is Dave DeBelt, founder of MoneyPartnerFormula.com and this show is built for everyday real estate investors who are actively doing deals and looking to scale using other people's money. So if you're an active real estate investor and you want to get featured on the show to talk about your own real estate and capital raising experiences, then just go to DaveInterviewsU.com. Now let's get rolling with this episode and remember to subscribe for daily interview content. Hey folks, welcome back to the show and let me ask you a question. Have you ever felt like you've kind of lost your spark or you've lost your passion for what you're doing in real estate investing? Well, it's a lot more common than you might think. And today's guest, zooming in from beautiful Oakville, Ontario, is a very experienced real estate entrepreneur who was going great guns, but just kind of felt empty inside and he turned that around and these days he is much more fulfilled with what he's doing and he helps other real estate investors to do the same thing. So a special guest today is Mr. Oliver Manalese and Manalese is a very cool last name because the meaning of that in the original Filipino language is one who puts things back together. Did I get the right? Oliver, is that what it means? That is the actual proper pronunciation. So first of all, kudos for that and also what it means is those people who put things back together or those who untangle messes. And so it's really interesting that I only really put that together maybe in the last couple of years and then now lining it up with the work that I do and some of the feedback that I've been getting with clients who say, I feel like first we had to untangle the mess and then I was able to see way more clearly. Yeah, it's all worked really well. It was very apropos. So Oliver, looking through the information you sent ahead of time for the show, very fascinating background with real estate, something I resonated. You were a rent-owned real estate investor plus a realtor. You're doing a significant number of deals. I think you're up to like 20 deals a year, which is very good in the rent-owned space. It only ever got up to 12, so it almost doubled what I was doing. And then the spark went out from that. So maybe tell us a little bit about your backstory, especially with real estate investing and what happened, what caused all of this. Yeah, so I was really drawn to real estate as a pathway for me because when I was in university, I was working at a high-paying factory job. And as I was making like $1,000 a week, working two to three days a week, I thought I had it made. I thought this was it, high-paying job, secure job, on my way to get a degree. But everyone around me seemed to be miserable, so it really had me asking questions and it led me on the path of entrepreneurship, real estate, financial freedom. And it really got me going, got me so excited that I invested so much more time, energy, and money in that education and networking and growing my experiences around that. But by the time I was 23, I started my first business, which was the rent-owned business that you had mentioned. And the thing that really blew me away was this opportunity to create win-win scenarios with people who were barely able, who were just shy of being able to qualify for a mortgage. We were able to create an opportunity for our investors that we partnered with to make that possible for them within once or three years these tenants could become homeowners. And it was this idea of creating something from nothing or just having an idea in my head where the principle that I was taught was if it's a good deal and the numbers make sense, you will find the investors. And in those first few months of going full-time in my business, we found that to be true. And it quickly started to ramp up and do really well and we got some brand recognition. And mind you, this was back in 2009. And so as things were starting to move forward and we were starting to do well, we even accumulated a small portfolio with joint venture partners. We started to get some attention on us. And as you said, I was a realtor, so I was facilitating a lot of these deals. But I think some of that attention bit me in the butt, so to speak, because... Let's just put a pause there, because I want to unwrap a little bit of this if you don't mind Oliver. And then we'll get into the not so fun part of that trajectory. So first of all, when it came to the rent-owned business, would it be fair to say that you are primarily doing tenant-first rent-owned deals where you'd find a tenant buyer, then find them a house, bring the investor on board to buy the house for them, lease option it to them for two to three years, help them clean up their credit, then purchase the house. Is that what you're doing, or are you starting with a house and then finding the tenant after the fact? Yeah, I've always been trying to find what is the simplest, what is the most efficient path. And it seemed to me the tenant-first model was the most effective for the rent-owned programs that we were creating. And then also one of the things it was a breakthrough back then for us, we thought it was such a smart idea because we were putting ads up trying to get all these potential tenant buyers and it was getting really cumbersome to analyze them and do all the numbers and underwriting and things like that. But we asked ourselves, who's already speaking to the people we need to speak to? And so we actually connected with referral partners in the form of mortgage agents. Constantly declining people who are maybe one to three years shy from a mortgage. And so we partnered up with them and they started pointing deals to us, which actually relieved so much of the pressure and it removed like a whole unnecessary process for us and really helped streamline things when it comes to the work that we were doing. And the quality of people you're getting is so much higher. Man, I wish I had a clue into that when I was doing the rent. You're so much smarter than I was, man. I was doing all that lead generation sifting, sorting, filtering, going through a hundred leads to get one that actually kind of fit the parameters so much smarter going to the source. That's a needle in a haystack that model. Oh, no. It was painful. I built up, you know, I was doing it around the same time. I got into it around 2010, built and I live in a small town. So I mean, Kamloops, I built up a database of over 7,000 people who opted in to find out more about our real estate deals and rent to own program. But finding that needle, it was a finding a needle in a haystack. So hats off to you, my friend, for being smart about that, gluing into that early. Now the other thing I want to unpack is, okay, so you streamline the lead gen smart. When and why did you decide to add in being a realtor to that? Were you already a realtor and then started doing this? Or did you become a realtor after you started the rent to own business? It happened concurrently. So my business partner and I, we officially launched the rent to own business just as I was completing all of my training and getting my license as a real estate agent. And so I had only got the license so that I could facilitate those deals. There was no vision in my mind of being a traditional realtor. Hey, let me sell your house. Hey, would you like to buy your first house? It's just so smart too because then you got the inside scoop on the properties via the MLS or pocket deals or you've got that inside scoop. And you can optimize your profitability because you're not only setting up the rent to own deal and perhaps managing that, but you're in the, the commission buying and selling the property initially and at the end of the deal. So that's really, really smart. And you got to a point where it was fairly leveraged where we had showing realtors where I would partner some of the commission with them because they're out of town. And so it creates revenue for them. And then on the other side, the one of the biggest things that we had to juggle was we're marketing to so many different audiences, realtors, mortgage agents, tenant buyers, and investors. And so it was, it was a lot of work. So we had to try to be as simple as we could. Partly. And so on the investor side. Right. Different messages. Different people got it. Yeah. The investor side it clicked in. How, but what if we tried, we would do one deal, one investor, one deal, one investor. And then I said, are there bigger investors out there? And it turns out there were as soon as we started to put the feelers out and working on who's going to buy the next three, four, five deals from us, rather than like, you know, just one off deals so that we could actually have relationships established where the, you know, each transaction gets smoother and cleaner and faster and more and more enjoyable. Like we love to celebrate with them. So that's, that was kind of our thinking. Very smart. We kind of dial in on as these multiple deal investors, these bigger pocketed people. Yeah. It seems, it seemed like the people who are able to acquire more of the deals, they were business owners. And so that, that was a really interesting, basically accredited investor type folks, I would imagine high, high net worth, high income people. Yeah. High net worth, high income and you don't necessarily know that they're buying real estate as investors. But they, they own chiropractic offices, they own trucking companies. They have chains of small bakeries, restaurants and things like this. So they have businesses that are generating cash flow and they're putting their money aside and they need to find a way to, to park it. And some of them were interested in the approach that we were taking and the fact that they can be in and out within a few years and make a generous return. So those seem to be not have to deal with tenants and toilets either as I would imagine you, you manage that side of things for them. Is that correct? There were a handful of investors that we partnered in and we did manage it, but they were, you know, we did so much work of establishing trust in these tenant buyers that it was fairly minimal in terms of this close to qualifying already. There's not much babysitting that needs to happen. Connect them with your mortgage broker and make sure they're following a plan to get qualified at the end. Now, would you also be the listing agent at the end of the deal to sell the property? Now, at that point, I was, I was long, yeah, I was long gone. Got it. Okay. Interesting. Well, so far this is sounding like a very happy story, a very profitable business, a very streamlined business, a very smart way of doing rental and way smarter than what I was doing, but it wasn't all sunshine and flowers. What ended up happening that kind of soured you or turned you off on this or made you reevaluate things. So we're, you know, we're from Canada and I don't know about you, but I'm not a fan of Brown envelopes in the mail. So I got a big Brown envelope that was this thick and it was from my broker of record or manager and it was filled with nine different complaints against me as a realtor. And it actually had screenshots of my website highlighting things that I've said on like local television appearances. And it was, it really startled me because I'm not really, I'm pretty much a rule follower when it comes to like, Hey, I'm a professional. I want to do a good job. I want to be delivered good service. So if someone's right, you want to be compliant, right, I want to be compliant because, you know, I don't, I don't want any trouble. And so when this came up, it really, it really threw a wrench in the whole love, the whole momentum that I was on and it struck fear inside of me. And mainly because I thought that I had done something wrong with a, maybe a client or an investor or another realtor. But then as I dug into it, it was the investigator who actually saw me on TV and wrote the complaints. It wasn't the investigator for who? What investors? For real estate council of Ontario, the governing body of all realtors, the investors. So it's this big bureaucratic organization that has people that their entire job revolves around finding and snitching on realtors and reporting on them, right? Exactly. What the striking fear in the heart of a young 20, I think it was like 25 or 26 by that point. And it stopped me dead in my tracks. But I knew I did nothing wrong. I double checked, triple checked, I reassessed, I remodeled the entire process to make sure that we were following everything to a T. And fortunately, nothing happened. But ultimately, it really led me down what I, what I still see as the dark night of my soul. Yeah. Yeah. Wow. So did you have to go defend yourself or they just kind of made the complaint and your broker kind of busted your chops and you went on with things or how did that? So 26 years old and I'm with the board of directors of the brokerage and they are poking holes, asking me questions like I was under the gun. They didn't want to be in trouble and there were other realtors who were doing it, but they didn't have as much, maybe exposure to, to, yeah, to visibility. So that was uncomfortable. I had to send texts, emails, transaction documents for the past, I can't remember like maybe six or seven, the most recent six or seven deals. So I had to show all of the communication. So it felt like I was getting audited from the inside out of every dealing. I'm not sure I didn't hear about anyone being talked to like clients or investors in from like this or other realtors. I didn't hear about that, but yeah, they took, they had me under a microscope. And so I felt very vulnerable, very exposed. And it led me to a line of questioning of like, is this really where I want to be? Do I want to, is this where I want to stick my flag? Is this the hill? I want to, you know, die on sort of thing. Yeah. I can imagine. Well, I can't imagine at that age going through that kind of stress. So basically what, what happened after that? Did you, you had the dark night of your soul, what came of it? So I was going through a, this process of asking myself, is this really where I meant to be? Is this where God wants me to be? Is this the highest calling for my gifts? And it really, you know, the, I decided to slow down a little bit because we were busy and we were doing a lot, but this investigation forced me to take a step back. And I started to notice that there's a restlessness inside of me that I had been too busy to realize that that was there. And what it was, it was this emptiness, there is a meaninglessness in the next milestones that we were aiming for. It was let's do bigger deals, more deals, bigger investors. And that was part of the plan that I had, you know, hatched since 18 years old. So, and I don't see anything wrong with having those types of aspirations. I help people with those types of aspirations, but it started to feel like in some ways it was not aligned with who I am. And it didn't, and in some ways, it perhaps even betrayed aspects of what mattered to me, maybe in the way that I was operating as a young entrepreneur at that time. So it had me to this point where I realized journaling and I'm very big into self-awareness and having these dialogues with ourselves, especially with pen and paper. And one day I just was just stream of consciousness writing and I said, "Wow, maybe I just don't give up for this business anymore." Yeah. And so that was like a whole, like a likeness. It was almost like, wow, I was for the first time in a very long time, honest and real with myself. Okay. And so, yeah, the epiphany, this isn't for me, how did you figure out what was for you? Like what, how did you figure out what was going to fill that void? That's such a good question. Because I think a lot of us try to ask ourselves, what is my purpose or maybe what is the new, the next evolution of the purpose for my business? And I think that is part of, that's part of what fuels us, what drives us. And for me, I reflected back on like what has been the feedback from the people around me. And what were some of the unique experiences that really make me feel satisfied and feel alive. And I remember, and it brought me back to this, this one instance where I felt so confident in my rent to own business model. I just threw it on Facebook. Like I said, if anybody wants to quit their nine to five and learn how to do the rent to own business and from me, I want to coach you and help you completely, you know, completely from like whatever experiences I can, I can offer, let me help you. Damn, I wish I, I wish I had seen that Facebook post back then, I would, I would have signed up. I was struggling along with the rent on just that tidbit about dialing in on the mortgage brokers is brilliant. So yeah, yeah, so, so you put your sign up as a real estate coach in this. Yeah, this was like a year before, and I didn't think of it as mentorship or coaching. I just thought it was like giving back in some ways because I had mentors, I had people helping me. And one person, same age as me were, you know, he worked at a high paying banking job, already investing real estate, but felt stuck in the rat race. And he'd been trying to get his rent to own business going with no luck for maybe about a year. And so we had a really good rapport already. We were part of the same groups and same circles. We met four times before he did his first deal. We had these conversations about his blind spots, about his excuses, about things that he really needed to focus on, the things that actually do create results and just decluttered and untangled the mess that was distracting him and and over analyzing. And he did his first deal within four weeks, and then he did another one and he did another one. And you know, he part, you know, he part of it was we get a percentage of ownership on those deals. But it was just such a satisfying experience. And I remember after that first deal, I asked him, where do you want to be a year from now? And he said, quit my job. And so within that year, he actually did quit his job. And to this, you know, to this day, he has never looked back since and that's many, many years ago. And now he's successful mortgage professional. So did your did your coaching kind of evolve from there or have you stuck with the how to do rent own deals type coaching primarily since then or is it is it more how to find your true passion or reconnect with your passion or what do you do on these days with that? Yeah, thanks for asking that. Most of the clients that I work with are real in real estate as entrepreneurs, as investors, similar path as mine. But typically what I have found is when they are attracted to working with me, it's because they find themselves spiritually bankrupt. They're starting to do well on paper. It looks good on the outside, but they feel dead inside and they don't know why. And so part of the work that I do is to help them move forward to a place where they are the clearest, calmest, most confident version of themselves. Really, you know, the thing that I'm the most passionate about is when clients are achieving a sense of peaceful prosperity, where they have a sense in their inner life has meaning and fulfillment and they have they have time, quality time with their spouse, with their kids, they're asking the deeper questions of life, they're having fun as well as that is actually fueling them when it comes to the work that they do in their business. Some clients are able to increase their revenue by 2.6x. Some of them have decreased their work weeks by 80%, which is, it's amazing to see those things where it's like they come and they tell me, like, I started this to be free and this is the least free I've ever been all over. And think back to my rent own days, how much time I spent filtering through completely unqualified tenant buyer leads. Yeah, that wasted a lot of time. That's for sure. Very cool. So do you find like in your case, it was a radical shift. It was like, okay, I'm getting out of this business and starting something brand new. Is that common with your clients or is it more about reconnecting with their passion with what they're doing right now? Such a good question. That's such a good question because it's, I think from when you look at it from the outside, some of the transformations in any type of entrepreneur, business owner, leader, you know, it can seem so dramatic and even, especially if it's a big switch, right? Like for me, it was, it was a dramatic. So like, I feel that my inner purpose is help people transform the quality of their life. And the external expression of it was helping them with financial freedom, creating financial abundance with real estate. And it just changed the vehicle change to helping them unlock their potential as individuals, as the, the, their most important, most valuable asset, which is them, highest and best use of themselves. Yeah, exactly. But still kind of the same purpose inside of me, the way that it's being expressed looks a little bit different. No, I guess the, the question would be for your clients and everybody's different. Are they, you know, when, when they're working with you, are they discovering like you did that real estate's really not for them and they'd be better suited doing something else? Or is it a lot of times just kind of uncluttering things, like you said, unraveling untangling things and focusing on what they're currently doing and making that better? What, if you could kind of generalize what, where did most people fall? I probably, I would say somewhere in the middle because it's, it's ultimately, um, for, you know, all the clients that I work with, the beginning is untangling the mess, bringing the nervous system down, giving them some perspective, because I believe that we already know what we want and who we want to become and where we want to be headed and all these things kind of get in the way. And once it's out of the way, we can see a lot clearly. So really it's, you know, I love Naval Ravakant. He says the true measure of intelligence is, are you getting what you want out of life? And so ultimately it's helping clients get what they want out of life, you know, to own what it is that they want. And so that's really the main goal. Some people end up accelerating and gaining even more momentum in their existing real estate business and maybe even branch off and start other, other ones. Like I have one client who is in the real estate business. He opened up a brokerage. Now he's starting a, you know, a flipping education training school. So sometimes people open up the, you know, what they are actually doing. And some people they redesign, because it's almost like we look at the results that our business is giving us. And if we don't like those results, it's because of the way that we've designed that business. And so if you revisit how you have designed the business, you might be able to produce a different result, create more freedom to have more flexibility, to have more choices. And it does take sometimes like that step back that I was talking about to be able to do that and it might look like shifting in a slightly different direction. But yeah, ultimately it's helping you get more of what you want and maybe more like owning, just getting to the place where you own it. Because sometimes it sounds crazy. Like people want to, I want to be an author. I want to speak and share my wisdom about my entrepreneurship, entrepreneurial experience. And I want to be on podcasts, sometimes that sounds crazy to them because they're so used to this one thing that they do. Yeah. Oh, very cool. Oliver, this is, this is cool. This is fascinating. Hats off to you for being such a smart real estate entrepreneur. When you were doing that, double hats off to you for figuring out that that wasn't where your passion lay and being able to make that transition and nowadays helping so many other people really find their light, find their passion, turn that, you know, great that peaceful prosperity. I love that terminology. If people want to connect with you and find out more, what should they do? Where should they go? Yes. Thank you so much, Dave. I'm so honored that I get to be on your show and the space that you've created to be able to, you know, explore these conversations and possibilities with your audience. It's an honor. So the best place you can find me is my website, Olivermanalescent.com. And I recently just finished writing and releasing my book called the daily prosperity method, which you can find there on my website as well. Nice. Awesome. Congratulations on the book. That's, that's definitely a big step. Thank you. Take care everybody for tuning in and we will see you on the next episode. Take care. Hey there. I really hope you enjoyed that episode and as always, if you want to listen to more daily interview content, make sure you subscribe. And if you're an active real estate investor and you're doing deals and you'd like to get featured on the show, then just head over to Dave interviews you dot com. Now at moneypartnerfovalent.com we help real estate investors to create a process for predictably getting capital so they can do more deals without relying on hard money lenders or the banks. We do this by building them a private capital marketing system. Now if you want help turning yourself into a big money capital attraction machine, then book a call with our team to see how we can help. Just visit moneypartnerfovalent.com to find out more. Alright, take care and we'll see you on the next interview. [Music] (upbeat music) [BLANK_AUDIO]
In this episode, we talk with Oliver Manalese from Oakville, Ontario. Oliver is a real estate expert who felt lost even though he was doing well. He turned his life around and now helps other real estate investors feel happier and more fulfilled. Listen to his story and learn how to find your passion again in real estate. Don't miss this inspiring conversation!
==================================Want to grow your real estate investing business and portfolio? You’re in the right place.
Welcome to the Property Profits Real Estate Podcast💥🔥🎯
My name is Dave Dubeau, founder of MoneyPartnerFormula.com and this show is built for regular people real estate investors with a few deals under their belt looking to scale…using other people’s money (aka OPM or Private Capital).
Want to know how? Keep listening!
Here’s 4 Ways I Can Help You in Your Business for FREE:👇👇👇
Get a copy of my FREE BOOK - Money Partner Formula: How to Raise 6-Figures in a Few Weeks and 7-Figures in a Matter of Months. https://investorattractionbook.com/
If you’re a ‘regular person’ real estate investor (i.e. not an absolute newbie, nor a syndicator) with at least 2 deals under your belt, we want to interview you on the show…head to:
>>>http://daveinterviewsyou.com/
Download our “Capital Roadmap”- FREE TRAINING - Dave's Full Capital Strategy in One Page Roadmap and Video (17 Minutes) https://www.raisecapitalmap.com/optin
Listen and Subscribe to our Top 100 Podcast – Property Profits Real Estate Podcast
>>> iTunes: https://podcasts.apple.com/us/podcast/id1445202776?mt=2&ls=1
>>>Spotify: https://open.spotify.com/show/6Ou8iVEaRGpIbnMoLPeva8
If you want help to raise 6 figures in a matter of weeks and 7 figures in a matter of months…- Schedule a 1-on-1 Conversation with Dave to see how we can help http://bookachatwithdave.com/
WEBSITE - https://moneypartnerformula.com/
ABOUT Dave Dubeau
========================
Dave Dubeau helps real estate investors raise private capital to buy more properties. Since 2013 he’s helped over 250 private clients cumulatively raise over 350M in private capital. All of them focus on raising capital from their existing network first. Many generate six figures within a few weeks, and some generate seven figures within a few months. He loves pulling back curtains to teach his entire strategy, so others can do the same. He also is looking to work with more clients and would love to chat with you to see if your real estate investing business and goals are a fit for his strategy. This would include investor list creation, websites, marketing, building a million dollar investor presentation, and regular capital coaching and mentoring to reach your goals. If you want to talk to Dave 1-on-1 on zoom, then pick a time on Dave’s Calendar. http://bookachatwithdave.com/
========================
Dave Dubeau (and Results Enterprises Inc.) is not in the business of providing personal, financial or investment advice and specifically disclaims any liability, loss or risk, which is incurred as a consequence, either directly or indirectly, by the use of any of the information contained in this document. Also, Dave Dubeau (and Results Enterprises Inc.), this document, and any online tools, if any, do NOT provide ANY legal, accounting, securities, investment, tax or other professional services advice and are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required, the services of competent, licensed and certified professionals should be sought. In addition, Dave Dubeau (and Results Enterprises Inc.) does not endorse ANY specific investments, investment strategies, advisors, or financial service firms. The above summary disclosure is provided as an overview, and is not intended to be comprehensive.Additional details are reflected below.See full disclosures here: https://davedubeau.com/disclosure NO INVESTMENT, FINANCIAL, LEGAL OR TAX ADVICE