Rich, Fulfilling Life

5 tips on how to find higher GIC rates in a zero interest rate environment.

What is dividend adjusted price? Why does a stock’s share price fall on the ex-dividend date? Why is it important? And everything else you need to know about dividend adjusted price In this segment of…. Let Me Explain!

I did a fun little exercise to figure out if someone can retire by saving just $250 per month? I run an analysis on a 20 year old, 30 year old and a 40 year old. Using the same variables throughout except the age. It was a fun little video to make.

Apple recently announced a 4 for 1 stock split which means that the shares of Apple will trade around $100 for the first time since 2016! What is a stock split? What does a stock split do for Apple’s share price? Why did Apple split its stock? How does it change the fundamentals of Apple?

If you are a novice investor, you’ll get to learn everything you need to know about capital gains and how they are taxed, and if you are an experienced investor, you’ll get to learn some strategies on how to avoid paying capital gains tax! Remember: taxes are the biggest detriment to building wealth in this country.

Remember the book, “A Random Walk Down Wall Street”? It's a famous book about investing that was written over 40 years ago, in fact the 12th edition of this book is currently in circulation, and it’s author Burton Malkiel just said in a recent interview that cookie cutter portfolios, such as 60/40 portfolios are dead!

In this video I will go over everything you need to know about gold hitting a record high this week. I also look to answer two questions: What is the cause of this surge in gold prices this year? What would bring gold prices back to earth? I’ll also go over the massive rally of tech companies and how the stock market is getting extremely concentrated to resemble the tech bubble of 2001. What should you do if you have cash sitting on the sidelines? What should you do with your investment portfolio?

Due to the pandemic, there are many charitable organizations out there who need your help. This might be a great time to make a huge impact in your community while also benefiting from the enormous amount of taxes you’ll save while doing so! In this video I will go over three separate strategies to make a huge impact in your community. I thought this is a great time to share some strategies that I have used with some of my clients recently that have saved them 100s of thousands of dollars in taxes and at the same time made a huge difference to their beloved charitable organizations. Giving back is a huge part of a Rich, Fulfilling Life

Due to the pandemic, there are many charitable organizations out there who need your help. This might be a great time to make a huge impact in your community while also benefiting from the enormous amount of taxes you’ll save while doing so! In this video I will go over three separate strategies to make a huge impact in your community. I thought this is a great time to share some strategies that I have used with some of my clients recently that have saved them 100s of thousands of dollars in taxes and at the same time made a huge difference to their beloved charitable organizations. Giving back is a huge part of a Rich, Fulfilling Life.

After speaking to 100s of people over the past 3 - 4 months, I have seen so many people make these 3 mistakes! In this video I will talk about the biggest financial mistakes to avoid. These mistakes might look quite small from the outside, but they end up costing huge amounts of money.

The Ontario Government recently changed investment regulations to allow each municipality to choose their own investments. In addition, municipalities are no longer restricted to own strictly Canadian investments. There are 2 major lessons to be learned about investing here.

In this video I will go over everything you need to know about disability insurance if you are a self employed individual. What is it? What are the advantages and disadvantages of it? Why do you need it? How should you own it from a tax perspective?

In this video I will explain how to reduce your overall family taxes in Canada. Essentially what has happened is that the government has decreased interest rates to historic lows to pump the economy. Lower interest rates mean more people may want to borrow to invest, or start a business. What this has also allowed us to do is to reduce our overall family taxes. If you are the higher income earning spouse, and you invest your money in your own name, you’re going to pay *thissss* much tax. But if you loan your money to your spouse, who earns less than you, and then your invest your money, you pay *this* much tax.

Wondering how to get $2000 CERB payments for life? By now, Ii don't think I have to explain why the Canada Emergency Response Benefit AKA CERB came to be in place. What I do want to focus on in this video is the ‘emergency response’ part of it. Because that means it’s in place only for the time being, and while receiving $2000 a month from the government is quite amazing, it’s also going away very soon. So in this podcast i will be telling all of you how to get $2000 CERB payments for life!

Do we really need over 40 types of toilet paper!?!? In this video I look at all the companies who started simplifying their product offerings because of the pandemic. Grocery stores who used to offer over 40 types of toilet paper now just offer four. Farms that used to produce over a dozen different types of baby carrots are now scaled back to only four. According to J.D. Power, an industry research firm, reported that in 2019, automakers built and offered more than 605,000 vehicle configurations before taking different colors into account. And all of this just makes me wonder, when did we, as a society, start becoming slaves to our desires to the extent that we need every single thing to be exactly how we desire it? Simplifying our lives, I believe, leads to a much happier life.

In this episode Saad conducts a book review of Howard Marks book, ‘Master The Market Cycle.’ Howard argues that no one knows what the future holds but we better know where we stand in the present. This book shares lots of valuable information that may be used given the current market conditions. However, buyer beware because not all markets are built the same and although there is a lot to be learned from the past, one needs great insight to know how to profit from it in the future.

In this episode I ask the question if Warren Buffet lives a Rich, Fulfilling Life. I share intimate stories from his friends and colleagues from the book "The Education of a Value Investor" by Guy Spier. Although, I initially read the book to learn more about Buffet's style of investing, I ended up walking away with much more insight than just that. Together, let's explore if Warren Buffet lives a Rich, Fulfilling Life.

In this episode I cover how the recent world events have affected the markets and our clients. Saad shares a day by day analysis of how various reports regarding Covid-19 affected the markets. He then shares 3 case studies of his current clients and the types of conversations he was having with each. Lastly, he shares his final thoughts on how you can over come the anxiety and the stress that you may be feeling when you start to think about your future.

This is a must listen to podcast if you are a medical professional or an established and successful business owner! Saad compares their ‘retirement planning’ vs. his retirement planning. He shares stories of how other advisors claim to do comprehensive planning for their clients when in fact the reality is quite the opposite. As a person who has worked extremely hard for their money, you deserve more than vanilla planning. You don’t want to pay high income taxes while you are working and then find yourself in similar situations upon retirement. Listen to this 25 minute episode on your drive home or to work to gain vast amounts of knowledge when it comes specifically to your future! PS. If you are not a medical professional or an established business owner, this episode will be a waste of your time. You can click the link in my info to hear this episode on your device! Be sure to like & subscribe to our podcast! Happy Listening!

In this week's episode we take a deep dive into the three main individuals who can provide you with financial guidance. The first is the 'Investment Advisor' or 'Financial Advisor', the second is an 'Insurance Broker' and lastly a 'Financial Planner.' Saad breaks down the role each individual can play in your life. He discusses pros and cons of each. Lastly, he shares how his practice has increased their value proposition by spending years on putting together ideas and strategies on how they actually help their clients live a Rich, Fulfilling Life!

In this episode Saad shares his insight about some recent conversations he’s had with prospective clients. What he has found is that people are doing the best they can with what they have. They may have an investment advisor, an insurance broker, an accountant and a lawyer. They all may be trying to do what’s in your best interest, however, that is very hard when none of them actually know your entire situation completely. As you are trying to do best for yourself, they are also trying to do what’s in your best interest with the limited knowledge they have of you. That’s where the problem starts because you cannot get comprehensive planning from four different individuals. He challenges the listeners to trust one individual to help them live a Rich, Fulfilling Life but only if they are actually knowledgeable with your situation. You can click the link in my info to hear this episode on your device! Be sure to like & subscribe to our podcast! Happy Listening!

In this episode we focus on helping clients spend more money. As unusual as this conversation may be coming from your Financial Planner, it is a crucial conversation to have if you are in retirement. Most people would like to spend more money but they may be scared to run out of it while still in retirement. With a proper plan in place, I highly encourage my clients to spend more money because dying as the richest person in the cemetery will do them no good. To find out more tune in to this week’s episode!

In this episode we discuss a case study of a dentist. Looking from the outside, he would appear to be successful from a money perspective. However, upon having an Honest Conversation with him, he realized that he needed to find harmony between his work and home life. Having all the money in the world would be a waste for him if he missed the opportunity to see his kids grow up. Find out more in today's episode!

Hello Everyone! In this episode of Rich, Fulfilling Life we discuss philanthropy / charitable giving and how it helped one client achieve their version of a Rich, Fulfilling Life. We explore different options and the conversations you should be having with your Financial Life Planner to achieve such goals.

Hello Everyone! This is officially my first episode ever. I share how I help established and successful medical professionals and business owners live a Rich, Fulfilling Life! Thank you for joining me.