Latest / Your Estate Matters / Episode 66 - Wills, AI, and Cybersecurity with Steve Parr
Transcript
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</script><meta http-equiv="content-type" content="text/html; charset=UTF-8"><script nonce="yD-NzBWYGy5hPZvMgCnYXg">var DOCS_timing={}; DOCS_timing['pls']=new Date().getTime();</script><meta property="og:title" content="YEM Steve Parr Transcription"><meta property="og:type" content="article"><meta property="og:site_name" content="Google Docs"><meta property="og:url" content="https://docs.google.com/document/d/1OdejuZOI1f72n5HhLsa4h41RPTaCQO8tkQIdxP2kYek/edit?usp=sharing&usp=embed_facebook"><meta property="og:image" content="https://lh7-us.googleusercontent.com/docs/AHkbwyIi0NxYOYfFrsCudycJQ72nw3xoUfHqBTOgEaSJNyUxJwB29QRKAzT3Lg0uHECPlBPRja7qnt5Xo4SfnBda-8v0SaSNbdc36DYIDFPXUINAC_4geXNh=w1200-h630-p"><meta property="og:image:width" content="1200"><meta property="og:image:height" content="630"><meta property="og:description" content="Nicole 00:00:02 Hello and welcome to Your Estate Matters presented by Heritage Trust. Your Estate Matters is a podcast dedicated to everything estates, including building and preserving your legacy. If it's estate related, we'll be talking about it. We're having the conversations today that will..."><meta name="google" content="notranslate"><meta name="viewport" content="width=device-width, user-scalable=no, initial-scale=1.0, minimum-scale=1.0, maximum-scale=1.0"><meta http-equiv="X-UA-Compatible" content="IE=edge;"><meta name="fragment" content="!"><meta name="referrer" content="origin"><title>YEM Steve Parr Transcription - Google Docs</title><link rel="shortcut icon" href="https://ssl.gstatic.com/docs/documents/images/docs-favicon-2026-v2.ico"><link rel="chrome-webstore-item" href="https://chrome.google.com/webstore/detail/apdfllckaahabafndbhieahigkjlhalf"><script nonce="yD-NzBWYGy5hPZvMgCnYXg">_docs_webfonts_fontFaces = null; _docs_webfonts_iframe_fontFaces = null;DOCS_timing['wpid']=new Date().getTime();</script><style 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Your Estate Matters is a podcast dedicated to everything estates, including building and preserving your legacy. If it\u0027s estate related, we\u0027ll be talking about it. We\u0027re having the conversations today that will help Canadians protect their families, their assets and their legacies tomorrow. \n\nSo Steve, thank you so much for joining us.\n\nSteve 00:00:34 It\u0027s great to be here.\n\nNicole 00:00:35 You have a really interesting background. You were an entrepreneur before. You were a lawyer. You built and sold a vacation rental property. Then you went to law school and launched PA Business Law. How has that entrepreneurial background shaped how you advise clients?\n\nSteve 00:00:49 Well, first and foremost, it means that I\u0027m an entrepreneur. So that\u0027s the pathway that I\u0027ve gone down. And actually the order in your introduction is a little bit reversed. So I actually completed law school, completed articling, I was called to the bar and then I started my vacation rental management business. So I took a bit of a detour, and I got out of law and then got back into it a couple of years later.\n\nSteve 00:01:07 So by that point, I was in love with being an entrepreneur and with what it meant to start your own business, to run it, to basically just have the kind of freedom and autonomy that comes with business ownership. But I also very quickly understood how much risk was involved and just how difficult it was and how many, how many different possible failure angles there were to continually navigate.\n\nNicole 00:01:33 So now you operate it at the intersection of corporate and estate planning. Tell us how these areas are so deeply connected for business owners?\n\nSteve 00:01:41 Yeah, absolutely. So it kind of came about organically in my own practice. I started and I did nothing but corporate for 4 or 5 years. And then gradually, of course, my clients started asking for estate planning. They started asking for wills, for powers of attorney. They started asking questions about insurance. I didn\u0027t have the answers to these questions, but I just noticed the pattern and saw that it kept coming up again and again. And it all comes down to risk.\n\nSteve 00:02:08 It all comes down to the uncertainty of what\u0027s going to happen in the future. And we\u0027re all wondering, you know, we all don\u0027t know how long we\u0027re going to be here for, and we don\u0027t know what\u0027s in store for us economically, relationally and with our health. And so my clients started to come to me with those questions. The two areas are deeply interconnected. The stability of your business depends in many respects on your ability to embrace discomfort, of addressing an unknown future. So if you\u0027re able to project yourself into the future through the types of agreements that we work on, whether it\u0027s your will, your power of attorney or your shareholders agreement that\u0027s providing you with a level of insurance and protection that you won\u0027t be able to get otherwise.\n\nNicole 00:02:52 So business owners are, you know, increasing turbulent time. There\u0027s tariffs, trade uncertainty, AI disruption, rising costs, cybersecurity threats. Like what are you hearing from these clients and what\u0027s keeping them up at night?\n\nSteve 00:03:06 I mean, what\u0027s not keeping them up at night these days? There\u0027s so much uncertainty in the environment right now politically, economically, with AI, everything.\n\nSteve 00:03:13 And it\u0027s funny, you know, it\u0027s particularly with AI, I\u0027ve noticed a couple things going on. One, there is more anxiety, but there\u0027s also more excitement. I\u0027m seeing that a lot of business owners are up all night, but partially because they\u0027re just so excited to be retooling their businesses and learning how to incorporate agents and all these other advantages that AI is bringing to the marketplace. But that\u0027s also mixed with a fear of being left behind. They\u0027re trying to keep up. They\u0027re trying to not be overtaken by some unknown competitor or have their business, their job, their entire industry, swept up and just consumed by one of these AI giants. So that\u0027s, I would say, the biggest piece of practical uncertainty that business owners are dealing with right now. And it does make it difficult to plan for the future. But there are some certainties that we all need to plan for, so that part hasn\u0027t 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But if you\u0027re a business owner, what are the additional fundamental things they should be thinking about?\n\nSteve 00:05:44 I\u0027d say insurance is probably top of the list, followed by a shareholders agreement. Those two items go hand in hand insurance, of course, just to simply provide liquidity. So we\u0027re talking about disability insurance. Your business is likely the biggest or perhaps even the only source of income in your family.\n\nSteve 00:06:01 So if you, as the director and primary shareholder of your business, don\u0027t have disability insurance in place, then that\u0027s putting your family at risk. The other types of insurance that you would want to be looking at are key person insurance, cross-sell, buy sell insurance. So forgive the jargon, but basically that just means if you\u0027re in a cooperative business, you have other business partners, other shareholders in that entity, then you would want to have insurance in place so that if if you pass away, then there\u0027s life insurance available to enable the other surviving shareholders to buy out your stake and provide your family with the money that I was expecting to earn from your role within the business. So those pieces are very important as shareholders agreement is sort of like the document that provides the recipe for all of those different anticipated and unanticipated outcomes.\n\nNicole 00:06:49 So it\u0027s kind of like the will for your business, like what happens if someone dies. What happens if somebody is disabled? What happens if someone divorces? What happens if somebody becomes insolvent? What happens if they stop getting along? 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DOCS_modelChunkLoadStart = new Date().getTime(); DOCS_initialLoadTiming.incrementTime('mp', DOCS_modelChunkLoadStart - DOCS_modelChunkParseStart); DOCS_warmStartDocumentLoader.loadModelChunk(DOCS_modelChunk); DOCS_modelChunk = undefined;</script><script nonce="yD-NzBWYGy5hPZvMgCnYXg">DOCS_modelChunkParseStart = new Date().getTime();</script><script nonce="yD-NzBWYGy5hPZvMgCnYXg">DOCS_modelChunk = {"chunk":[{"ty":"is","ibi":9012,"s":"\nSteve 00:07:54 So as service providers, we can provide more clarity around it by providing more direction around what the shape of that should look like and how the different parties should be communicating, imposing some timelines and just generally just moving the process forward in an expeditious manner.\n\nNicole 00:08:10 So let\u0027s talk about what\u0027s new. Like those are the fundamentals. But the risk landscape in 2026 is different than even five years ago. So with all the cross-border trade and legal and structural changes, how do business owners build resilience with increasing uncertainty?\n\nSteve 00:08:27 I mean, it does vary from industry to industry, but I would say it\u0027s about not having all of your eggs in one basket. You know, I\u0027m a business lawyer and I work with thousands of clients. And, you know, unfortunately, yeah, I have seen the reality that some of my clients have been hit very hard by the tariffs and by the inability to sell into certain markets or to import from other markets. And that\u0027s a huge risk. Somebody that I\u0027ve worked with recently who\u0027s actually not a client but a partner, he went through a whole bankruptcy proceeding as a result.\n\nSteve 00:08:58 You know, Covid had a similar kind of effect. So this sort of uncertainty is becoming the norm. So I think the new methodology or the new way of being as an entrepreneur, is that you need to be adaptable to change more than at any other time in your life. It\u0027s even true for regulated professions like lawyers and accountants. You know, we\u0027re getting swept up in AI like everybody else, and it\u0027s rapidly changing how we practice, how we can deliver services to our clients. You need to be able to change and you need to be able to adapt. So I would say the biggest thing is just to not stick your head in the sand and to reach out to other people who can assist you with that transition.\n\nNicole 00:09:43 Let\u0027s talk about one really scary risk, which is cybersecurity. So anthropic even held back the mythos model because it showed so many vulnerabilities in basically all the major software that runs our business in internet systems. What should, in this very scary, uncertain time, what should business owners be thinking about in terms of trying to mitigate the risk around cyber issues?\n\nSteve 00:10:07 Well, insurance for sure.\n\nSteve 00:10:09 I mean, the reality is that the most brilliant minds in the world are producing these models that we can\u0027t keep up with. Like you said it yourself, Anthropic held back the release of mythos. OpenAI has similarly powerful models, and it\u0027s an arms race right now. And the average consumer or small business owner, there\u0027s no chance that they\u0027re going to be able to keep up with that. And I would think it would be naive to think that your IT provider as well, like, of course, they can take many basic steps and even advanced steps to provide protection for your business, but you need insurance and you need to make sure that you\u0027re paying careful attention to the policy exclusions on that. Because every type of cyber insurance is going to require you to do certain things, whether it\u0027s…not use AI in a certain way or to ensure that you have multi-factor authentication or other protocols in place that provide more security for your business.\n\nNicole 00:11:05 So it\u0027s funny, through the lens of being a business owner that holds conduct well over $100 million of client funds.\n\nNicole 00:11:13 We have active cyber security, serious issues, cyber insurance is hard to purchase, and the limits that they provide are not necessarily that high. So it\u0027s an area of increasing complexity. And, you know, given the unknowns, it\u0027s not necessarily an easy product to buy. And getting the coverage you want is not necessarily a slam dunk.\n\nSteve 00:11:37 Yeah. Yeah, I can imagine, particularly in your line of work that that\u0027s yeah it\u0027s challenging.\n\nNicole 00:11:42 So let\u0027s go into AI. 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You know, I find that AI is very much a bit of a Rorschach for how you view the world. And of course, there\u0027s every reason to be afraid. There\u0027s absolutely every reason to be up at night and to be anxious over your job, because that\u0027s an obvious reality that is coming to bear.\n\nSteve 00:12:21 But there\u0027s also the opportunity for innovation at a scale and a timeline that is unprecedented. And I\u0027m seeing that inside of my own practice. I\u0027m seeing it inside of that of my colleagues and clients and other business owners that I come in and interact with every day. Right now, we have a Web Summit on in Vancouver and what\u0027s that, a web summit? It\u0027s a big conference down in the Vancouver Convention Center, and there are thousands of entrepreneurs congregating there right now. And the energy there is unbelievable. Personally, I\u0027ve never been more excited to be in business because I\u0027m able to translate my ideas into reality without all the friction of, you know, all the things that I needed to do before, i.e. learning how to code and all these other difficult tasks that I never would have had time or, or the inclination to do so.\n\nNicole 00:13:11 That\u0027s interesting because that\u0027s my experience as well. It\u0027s funny, you hear some of the CEOs of these AI companies warning that, you know, in five years, maybe 50% of white collar jobs might not be there.\n\nNicole 00:13:22 But it seems like the reality on the ground is these are tools that are allowing smart professionals to be that much more efficient and innovative. But I don\u0027t necessarily see it as a wholesale replacement because human judgment, expertise, that empathy, that personal connection is needed as much as it ever was.\n\nSteve 00:13:43 Well, yeah, exactly. I think the general public has caught on to the notion that AI is going to throw at you a ton of information, and it\u0027s all going to sound good, but it may not be actually what you need or even be factual. You know, obviously hallucinations are still a thing inside of AI. Maybe that\u0027ll get worked out, but what\u0027s not going to get worked out is this sycophantic nature that AI has to spit back at you what you want to hear. And people are wise to that, and we need to lean on our ability to gut check and to use our human discernment and to actually prioritize and figure out what do I actually want to create as a business owner, as a human? Those abilities are more important than ever.\n\nSteve 00:14:28 So I don\u0027t yeah, I don\u0027t see humans going away as, as, it\u0027s just that we\u0027re going to be relying more upon visionary skills, upon discernment and, you know, frankly, more interesting attributes of what it is to be human than plugging away to a spreadsheet.\n\nNicole 00:14:46 So another risk is KPMG has identified supply chain resilience as the top concern for Canadian businesses. There\u0027s rising costs, inflation, labor shortages, regulatory changes. So how should we be thinking about financial resilience? You know, how can we help businesses survive shocks and financial regulatory trade and technological uncertainty.\n\nSteve 00:15:12 Honestly, I think cash reserves, liquidity, doing whatever you can do if you\u0027re not experiencing a downturn already, shoring up your ability to weather uncertainty, I think is more important than ever. 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