Pamela Ferguson, Lashell White, and Angelo Butler continue their analysis of the Bahamian economy and what they hope to see in the fiscal year 2023/2024 from the Government of The Bahamas.

In part I of our economic wishlist series, our expert CFAL panel, Pamela Ferguson, Lashell White, and Angelo Butler discuss some of the economic challenges and possibilities for The Bahamas for 2024.

It's resolution time! Are your new year's resolutions realistic and attainable in the time you've planned for them to be achieved? Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor discuss the importance of creating financial resolutions for the new year.

Are you trying to figure out how to start the new year in good financial standing? Spend a few minutes with Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor, to learn how to plan for financial success this year and beyond.

In the second and final part of this series, Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor continue looking at ways to help you enter the new year with your finances intact along with Tiffany Cartwright, Investment Manager.

Christmas is a time of great celebration and joy, but it is important not to spend too heavily to ensure that you are in a solid financial position in the new year. In this episode, Richard Pinder and Shanice Taylor, Senior Financial Literacy Coaches, share their advice about how to keep a handle on your spending for the holidays. CFAL Investment Manager, Tiffany Cartwright, also joins the show.

In the final installment of our God and Money series, Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor discuss the importance of God in creating personal financial success and in our economic success as a nation. Fellowship Pastor Kersch Darville of Bahamas Faith Ministries continues to share his insights in this episode.

Here, we continue our discussion with Dr. Stephen Munroe, Senior Pastor and Founder of Believers Embassy International, about creating wealth and managing money in alignment with biblical principles.

Our God and Money series continues as we discuss what God has to say about debt and managing your finances. Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor are joined here by Pastor Kersch Darville of Bahamas Faith Ministries.

God consistently teaches us about creating wealth and managing money throughout the bible. In this episode, we consider the values and beliefs of many Bahamians as citizens of a Christian nation as we review what the Word says about God's perspective on financial management.

God consistently teaches about creating wealth and managing money throughout the Bible. In this episode, special guest Dr. Stephen Munroe, shares God's view on how to apply practical biblical principles to managing money and creating wealth.

Do you know your credit score and how it can affect your financial future? Here, CFAL Talks, Senior Financial Coaches Richard Pinder and Shanice Taylor share everything you need to know about the CRIF Credit Bureau, which Bahamian banks now use to consider potential personal and business loan clients.

Richard Pinder and Shanice Taylor, Senior Financial Coaches, share even more extensive advice about managing debt to your advantage.

Good debt, bad debt, should you take on debt at all? Many life and business decisions come with a sizeable price tag, requiring individuals and companies to borrow money to achieve their goals. In this episode, Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor answer your questions and help you navigate the challenges associated with debt in your personal life and your business.

Immigration and the employment of migrant workers is a hot topics worldwide, especially here in The Bahamas. In this episode, our team weighs the pros and cons of migrant workers being employed in The Bahamas from an economic perspective. Are we too dependent on migrant workers?

Should the government increase the National Insurance contribution that Bahamians make to ensure its sustainability for future generations?

The recent failures of two large American banks and the last-minute rescue of Credit Suisse have rocked the global banking system.

Do we have a housing crisis in The Bahamas? Pamela Ferguson, Lashell White, and Angelo Butler investigate this topic and consider what kind of change in the availability and affordability of housing in The Bahamas can be made to improve the quality of life for all.

When was the last time you revised your budget and savings plans? Shanice Taylor and Richard Pinder, Senior Financial Literacy Coaches, walk you through the steps to make sure your budget still works for your life and plans in this informative episode.

Senior Financial Literacy Coaches Richard Pinder and Shanice Taylor define budgeting, offer budgeting and savings tips, and explain how to make a savings plan that you can stick with.

In 2018, the Central Bank of The Bahamas conducted a national financial literacy survey. In this episode, Senior Financial Literacy Coaches and CFAL team members, Richard Pinder and Shanice Taylor, analyze the data collected to determine how financially literate Bahamians are and how we can help more people to understand how to improve their financial circumstances.

How accessible is financial literacy information for Bahamians in 2023? Here, we launch our new financial literacy series with a review of what financial literacy is, how Bahamians can get informed and most importantly, how we can all make better financial decisions.

In December 2022, the swift collapse of crypto giant, FTX - the third largest cryptocurrency exchange in the world - was heard around the world but perhaps felt most strongly in The Bahamas where its headquarters was based. How did this happen? What will it mean for the future of the government's recently implemented DARE act and the expansion of the Bahamian digital asset industry?

The introduction of price control policies and related reforms dates as far back as the third century A.D. In the United States, the modern era of national price controls was introduced in 1906 through the Hepburn Act to manage railroad rates.

A tall order: International investRothschild and Co. was hired by the Government of The Bahamas to help manage international foreign currency debt exposure and to "sell" our post-COVID recovery to the international markets. In this episode, Pamela Ferguson, Lashell White, and Angelo Butler discuss the task at hand and the possibilities.

How much of a worry is inflation? In this episode, Pamela Ferguson, Angelo Butler, and Lashell White provide some perspective about how the current wave of inflation will potentially impact our lives in the foreseeable future.

In this episode, we compare the benefits of outsourcing your corporate pension plan to CFAL to managing it internally. We also discuss a question that we've received quite often recently: Is NIB a tax? Listen as we explore these topics and share your feedback with us online.

We already have the power to achieve financial enrichment - it starts with our thinking. Our beliefs about money are passed from generation to generation early in life. What are your money beliefs? What are you teaching your children about money, directly or indirectly? Pamela Ferguson, VP of Investments, shares personal stories and ways to enhance your life financially in this powerful episode.

In May 2022, Prime Minister and Minister of Finance the Hon. Philip Davis, suggested that the 2022 Bahamas Budget, under the theme "The Way Forward, will put the country on course to rescue the economy.

In 1997 - the year that CFAL was established - gas prices were $1.99 per gallon, equity trades were conducted over the counter, and BISX didn't exist.

Our 25th anniversary Leadership Series continues as Pamela Ferguson sits with Larry Gibson, another found principal of CFAL, to discuss the development of the country and his contributions to the Bahamian financial services industry.

This year, we're celebrating 25 years in business! In this special Leadership Series episode, our Pamela Ferguson interviews Kenwood Kerr, one of the founding principals of CFAL, about his history with the company, his legacy, and the future of the industry.

Our conversation about the rebound of the tourism industry with Anthony Ferguson, Lashell White, Angelo Butler, and Pamela Ferguson continues.

As our tourism industry rebounds from the devastating impact of COVID-19, it is imperative that we seek ways to expand the industry while ensuring that the benefits for Bahamians are maximized. Anthony Ferguson, Lashell White, Angelo Butler, and Pamela Ferguson dive into this exciting topic.

In the final installment of our Fiscal Strategy series, our team of financial analysts and experts summarize their findings regarding the 2021 Fiscal Strategy and Debt Management Report published by the Government of The Bahamas.

Will the recent tax rate changes help to put our nation back on the track for financial success? Our analysis of the 2021 Fiscal Strategy and Debt Management Report, which was recently released by the Davis administration, continues in part 2 of our Fiscal Strategy series.

Excessive debt, increasing unemployment, and other economic concerns threaten the future of The Bahamas. In the first episode of our three-part Fiscal Strategy series, Pamela Ferguson, Lashell White, and Angelo Butler discuss the details of the most recent national Fiscal Strategy and Debt Management Report and review the current administration's plan to move our country forward.

What does the decision of the Central Bank of The Bahamas to discontinue public brokerage service mean for the Bahamas registered stock market and the Bahamas capital markets at large? Our team of experts provides all the information you need to make informed decisions regarding the announcement.

Sophia Thurston, our VP of Pension Administration and Operations, believes that finding your passion early can lead you to great success. In this episode of CFAL Talks, she recounts her educational journey, talks about how she found her passion, and shares her money habits to encourage others to establish discipline and consistency to achieve their financial goals. Click the link to get inspired!

How does a young boy from Crooked Island who grew up farming before the school day began grow up to become the President of an investment management firm that manages over $2 billion in assets? Anthony Ferguson, President of CFAL, explains as he shares the details of his educational and career paths, personal insights, and why he sees himself as a servant of others first.

Lashell White partially credits her grandfather's love of calculus, which she grew to love during her childhood in Andros, for her affinity for numbers. In this episode, this accomplished CFAL Investment Manager shares more about her strong determination to succeed and advice about how she sticks to her savings and investing goals in a society that promotes increased consumption.

In part two of our conversation with Angelo Butler, Senior Financial Analyst, CFA, and UB graduate, talks about why he thinks education should be our top national priority, lessons learned from his personal financial experiences, and why you should get into the habit of saving and paying yourself first early.

A New Year, A New Beginning In this employee spotlight feature episode, we learn about the career and financial habits of Angelo Butler, Senior Financial Analyst.

Do will more "jabs" help us create more jobs? Is the speed of our economic recovery tied to the vaccination rate? Analysts at Moody's certainly think so. On September 17, Moody's downgraded the sovereign debt again from BAA to BAAA. What will this mean for Bahamians and what do we need to do to strengthen our financial position and reverse this downward trend?

In Part ll of this penetrating series, Pamela Ferguson, Lashell White, and Angelo Butler take a deep dive into the most significant economic issues that may impact the general elections including the impact of COVID-19, the state of our healthcare and education infrastructure, the unemployment rate, and more.

What will sway your vote? In Part 1 of this timely discussion, Pamela Ferguson, Lashell White, and Angelo Butler analyze the state of the Bahamian economy and all relevant issues ahead of the general elections on September 16th.

Claudia Thompson, Client Relationship Officer and Pension Administrator, continues reviewing the features and benefits of the CFAL Blue Marlin Pension Plan and discusses planning for a happy retirement with retiree and CFAL client, Anthea Cox.

Did you know that fewer than 30% of Bahamian companies provide pension plans for their employees? Claudia Thompson, Client Relationship Officer and Pension Administrator talks about planning for a comfortable retirement and what life after retirement can be like with Anthea Cox, a retiree and CFAL client.

Sophia Thurston, Claudia Thompson, and Richard Pinder continue sharing valuable insights to help you create a personalized financial plan for retirement.

Now that you know that the CFAL Blue Marlin Retirement Plan is the pension plan of choice for Certified Financial Planners, let's talk about how it works. From setting up your account, to setting a retirement funding goal, to choosing the best investment strategy to help you achieve that goal, our team walks you through the details in this first "how-to" episode.

Did you know that less than 30% of Bahamian businesses offer pension plans? Nathaniel Butler, Certified Financial Planner and founder of Drewber Solutions, explains why he created his retirement account with CFAL, the leading Bahamian pension planning firm.

Claudia Thompson and Richard Pinder of CFAL discuss the strategic investment options and the benefits of the CFAL Blue Marlin Retirement Plan with Nathaniel Butler, entrepreneur and founder of Drewber Solutions, who is also a CFAL client and a member of the plan.

In this second portion of the analysis of the national budget, the CFAL team continues its analysis of the government's in the face of the financial uncertainty that we face in the wake of the COVID-19 pandemic, Hurricane Dorian, and other recent blows to the our economy.

The CFAL team of financial experts breaks down and analyzes major concerns about the Bahamian economy and reviews the government's revenue and spending plans as recently presented by the Minister of Finance and Prime Minister, Dr. the Hon. Hubert Minnis.

What direction should The Bahamas take to challenge the notion that The Bahamas is a tax haven? How would the implementation of a global minimum tax affect Bahamians? The CFAL team of Anthony Ferguson, Angelo Butler, Lashell White, and Pamela Ferguson explore strategies to help determine our next steps.

Do you think The Bahamas should be considered a tax haven? What does that mean and how does it affect our international brand perception and our ability to navigate the global financial marketplace? In this episode, Pamela Ferguson, Angelo Butler, Lashell White, and Anthony Ferguson discuss the development, challenges, and threats affecting the Bahamian offshore banking sector.

In a continuation from the last episode, Claudia Thompson, Pamela Ferguson, and Sophia Thurston of CFAL discuss pension planning in general terms and in relation to the Bahamian economy.

It is never too late to start investing in your children's education, but the key is to start. In Part II of our discussion about the benefits of the CFAL Education Plan, two of our clients - Tanya Bonamy and Lisa McCartney - share how the CFAL Education Plan helped them save to send their children to college and meet their educational needs.

Don't your children deserve a bright future? The CFAL Education Plan can help you save and invest toward your family's education goals. In this episode, Richard Pinder, Operations Supervisor, and Claudia Thompson, Pension Administrator and Client Relationship Officer, discuss the rebranding of the plan and how it can help you ensure your child's future.

What can we do now to manage our debt and grow as a nation in the face of economic uncertainty? CFAL financial experts Anthony Ferguson, Lashell White, Angelo Butler, and Pamela Ferguson continue their assessment of the 2020-2021 mid-year budget of The Bahamas.

Where are we now? How much of an economic rebound, if any, has The Bahamas made this year? CFAL financial experts Anthony Ferguson, Lashell White, Angelo Butler, and Pamela Ferguson discuss the 2020-2021 mid-year budget and the prospects for our economic future.

In the third part of this Saving Series, our CFAL experts, Pamela Musgrove-Ferguson, Sophia Thurston, and Claudia Thompson, share more practical tips and solutions for everyone to achieve financial security.

Saving money can also save you stress! In this episode, host Claudia Thompson continues this enlightening conversation with CFAL financial experts, Pamela Musgrove-Ferguson and Sophia Thurston.

Are you having conversations about your finances? Host Claudia Thompson explores how talking about financial topics, including saving money, can help you secure your financial future with CFAL experts, Pamela Musgrove-Ferguson and Sophia Thurston.

In part two of this series, Anthony Ferguson, Lashell White, Angelo Butler, and Pamela Ferguson continue to explore how the Government of The Bahamas can use public-private partnerships to stimulate the Bahamian economy at this critical point in our history.

In the first installment of this two-part series, Anthony Ferguson, Lashell White, Angelo Butler, and Pamela Ferguson discuss how public private partnerships can be used to rebuild Abaco and Grand Bahama in the wake of Hurricane Dorian and to support the economic recovery of The Bahamas as we grapple with the financial impact of the COVID-19 pandemic.

Our panel of experts continues to review the year 2020, including the government's response to Hurricane Dorian, while making recommendations to help our country face the challenges ahead

The year 2020 dealt a very heavy economic blow to the entire world, but it was especially difficult for The Bahamas. On the heels of our recovery from the impact of one of the most powerful hurricanes on record, a seemingly unstoppable virus decimated our health, shut down our economy, and curtailed our entire way of life.

Why does it always seem so hard to save money? With a solid plan and a little determination, you can save and set yourself up for long-term financial success. Pamela, Sophia, and Claudia explain how.

In this inaugural episode of CFAL podcast series, Pamela Ferguson and Angelo Butler are exploring the outlook for the Bahamian economy. They also share insights about key financial economic issues around the world and how these could impact The Bahamas.