Your Money

As Season 3 progresses, all the steps in the OMNI Formula are hit and in this episode, Separation and Finances are as Peter is joined by Sarah Morse of BTM Lawyers. Sarah is an accredited family mediator, arbitrator and parenting coordinator and she answers all the questions around separation and finances.  It doesn't have to get ugly and Sarah explains how.See omnystudio.com/listener for privacy information.

As the OMNI Formula is being explained from top to bottom and all parts in between, this episode focuses on wills and having a power of attorney. Peter is joined by Bart Aldrich, a Notary Public and the two of them try to teach what's important and the best questions to ask when talking about wills.See omnystudio.com/listener for privacy information.

As the journey thru the Omni Formula continues, episode 14 is all about Personal Insurance. On today's episode, Peter is joined by Josh Krenus, President and CEO of Alteri Insurnace to talk about the importance of personal insurance when solidifying your financial plan.  See omnystudio.com/listener for privacy information.

A crucial piece of the Omny Formula is Long Term Care Insurance and it's not to be overlooked in your overall planning. On this episode, Peter break it all down. You don't want to miss it!See omnystudio.com/listener for privacy information.

As we work our way through The Omny Formula this season. today's episode title is ‘Disability Insurance 101', and Peter is joined once again by Chris Cook, Senior Sales Consultant Life & Living Benefits at RBC Insurance to help answer the key questions - you probably didn't even know to ask - about Disability Insurance.    See omnystudio.com/listener for privacy information.

As we work our way through The Omny Formula this season and in this episode title, it's all about Critical Illness Insurance. Peter is joined by Chris Cook, Senior Sales Consultant Life & Living Benefits at RBC Insurance to help answer the key questions - you probably didn't even know to ask - about Critical Illness Insurance.See omnystudio.com/listener for privacy information.

As the guys continue thru the Omny Formula, Life Insurance is the main focus and just why it's so important in building your financial plan. With Life Insurance being so crucial, you will want to listen to this episode right away!See omnystudio.com/listener for privacy information.

TAXES TAXES TAXES.Peter and David talk all about taxes on this episode and why they're so important when building your financial plan. "It's not about what you make, it's about what you save" as Peter outlines in the show opening and trying to find those savings is essential.See omnystudio.com/listener for privacy information.

As the guys continue to work through the Omni Formula, Episode 8 is all about RRSP's. David and Peter go thru all the do's and don'ts around RRSP's and the big misconception about there being a "RRSP Season". That term makes Peter physically ill and he explains why in this informative episode.See omnystudio.com/listener for privacy information.

As the title suggests, this episode is all about TFSA's. What are they, why are they important and how does it relate to the conversation of this entire season and that is the Omni Formula.Listen to David Pratt and Peter Cishecki break it all down and give you the do's and don'ts when it comes to TFSA's. It's a very informative episode that you don't want to miss!See omnystudio.com/listener for privacy information.

All season long, Peter has talked about the Omni Formula and the different steps and in this episode, the main focus is Portfolio Managers. To talk about this important step, Peter is joined by three unique voices to break down the role and why you need a portfolio manager. Jeff Gruber from Dixon Mitchell, Janice Sowden of Connor, Clark and Lunn and Chris Ambridge of Provisus Wealth Management all take their turn in the hot seat. It's an informative episode you don't want to miss. See omnystudio.com/listener for privacy information.

As Season 3 moves on outlining the Omni Formula, Peter and Dave break down the need for portfolio managers and why you should use one when creating your financial plan.Times have changed and the need for a portfolio manager is more important than ever. Listen to this episode and all previous Season 3 episodes to hear more about the Omni Formula.See omnystudio.com/listener for privacy information.

"Fees" can be a scary word to some, but with the Omny Formula and following along with some simple Do's and Don'ts, you'll no longer think of that word the same way. On Season 3, Episode 4, Dave Pratt and Peter Cisecki break it all down and will debunk a lot of the myths and confusing language in the investment space.See omnystudio.com/listener for privacy information.

On episode 3, Peter takes over the host mic and is joined by Vy Tri Truong, mortgage broker with Everything Financial.As the guys work thru the Omny Formula during Season 3 of the podcast, this episode is all about mortgages and securing the right one as a key part to your financial plan.See omnystudio.com/listener for privacy information.

On episode 2, Peter and Dave break down the necessary information you need for when you are constructing your financial plan.A lot of people are intimidated by what is needed, but Peter shows you just how easy the process can be and breaks it down step by step.  See omnystudio.com/listener for privacy information.

Peter and Dave are back for Season 3 of 'Your Money' and in the season premiere, they talk about the top 10 Questions to ask when you're interviewing from a financial planner. Creating a financial plan is so important and the guys talk about the steps that are involved in finding the right person to fit your needs. If you have a topic or question you want the guys to cover in a future season 3 episode please email yourmoney@everythingfinancial.com  .See omnystudio.com/listener for privacy information.

Peter and Dave spend this final episode of Season 2 of 'Your Money' recapping the biggest takeaway advice from this season's topics including on RRSPs, TFSAs, Insurance, Portfolio Management, Mortgages and so much more. If you have a topic or question you want the guys to cover in a season 3 episode please email yourmoney@everythingfinancial.com  . See omnystudio.com/listener for privacy information.

In this episode Peter and Dave are back to raise everyone's financial knowledge talking Tax Free Savings Accounts - and the top 10 things you should know - like withdrawal rules and what happens if you over-contribute - all to help you use your TFSA the right way so you can save money and have it tax free when you need it. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com. See omnystudio.com/listener for privacy information.

In this episode Peter and Dave are back to raise everyone's financial knowledge talking taxes - and the top 10 things you should know to help you save time and money when tax time arrives. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com. See omnystudio.com/listener for privacy information.

In this special episode Peter and Dave are joined by Josh Krenus CEO and Founder of Alteri Insurance. Josh gives you the inside scoop on the Top 10 things you need to know - but didn't know to ask - about Property Insurance. From the differences of 'Replacement Value' to 'Depreciated Value', to how claims impact your rates, and what kinds of claims can be considered 'Acts of God', plus more. If you have property insurance questions you can find Josh at www.alteri.ca. If you have a question for Peter email yourmoney@everythingfinancial.com  See omnystudio.com/listener for privacy information.

In this episode Peter and Dave are back to raise everyone's financial knowledge delving into one of Peter's biggest annual pet peeves the complete sham that is 'RRSP Season'. Peter explains how to properly use RRSPs as a part of your overall financial plan strategy - year round - for tax planning and investing - including how to know exactly the right amount to buy and how to not fall into the bank and mutual fund's marketing ploys and overbuy. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com. See omnystudio.com/listener for privacy information.

In this episode Peter and Dave are back to raise everyone's financial knowledge another notch as they are joined by special guest Janice Sowden to discuss everything you should know about Portfolio Management. From key definitions and differences in fees and tax deductibility with portfolio managers to fiduciary obligations and accredited investment vehicles - we cover how everyone can benefit by using a professional portfolio manager for your investments. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com. See omnystudio.com/listener for privacy information.

In this special episode Peter and Dave are joined by Notary Public Bart Aldrich to delve into 'Notary Public 101' - everything you need to know in how Notary Publics can assist you. The guys cover everything from questions around Wills and Estate Planning to Real Estate Conveyancing and everything in between. You can book a consultation with Bart at coquitlamnotarypublic (dot) ca. If you have a question for Peter send it to yourmoney (at) everythingfinancial (dot) com. See omnystudio.com/listener for privacy information.

David Pratt and Peter Cishecki President of Everything Financial spend this episode discussing everything you need to know about Disability Insurance - why you need it, how it works, the different kinds for individuals and businesses - all the questions you didn't know to ask. It's Disability Insurance Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.   See omnystudio.com/listener for privacy information.

David Pratt and Peter Cishecki President of Everything Financial get you ready for 2022 with Peter's Top 10 New Year's Financial Resolutions. The list covers the most impactful changes everyone can make to start saving on taxes, fees, and the their mortgages, and to finally take charge of their finances and set themselves and their families up for financial well-being and peace of mind going forward. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.   See omnystudio.com/listener for privacy information.

David Pratt, Peter Cishecki President of Everything Financial, and EFG's mortgage professional Vy Tri Troung dedicate this episode to answering the top 10 common questions about mortgages - the biggest financial investment most of us will ever make - cutting thru a lot of the confusion.  it's Mortgages Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.   See omnystudio.com/listener for privacy information.

David Pratt and Peter Cishecki President of Everything Financial spend this episode discussing the ins and outs of Life Insurance - why you need it, how it works, how to know how much to buy and much more - all the questions you didn't know to ask. It's Life Insurance Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.   See omnystudio.com/listener for privacy information.

David Pratt and Peter Cishecki President of Everything Financial discuss in detail the 10 key questions on the differences between 'Fee Based Financial Planning' and a 'Commission Based Advisor'. From understanding what items pay commission to an advisor to how the 'fee for service' model works and so much more. You'll learn about the questions that you didn't even know to ask. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.   See omnystudio.com/listener for privacy information.

David Pratt and Peter Cishecki President of Everything Financial reveal and discuss in detail the Top 10 Questions That You Should Ask Your Financial Advisor. From understanding what the different financial advisor designations are and what they mean to understanding what goes into a financial plan and much more - you'll learn about the questions that you didn't even know to ask. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.   See omnystudio.com/listener for privacy information.

David Pratt and Peter Cishecki, President of Everything Financial, discuss one of the most asked questions in personal finance - how can you legally deduct the interest on your mortgage in Canada - like our neighbours in the US get to do? You can and Peter walks you through the entire process, step-by step, so you can understand exactly how it works and whether it may be a fit for your financial situation allowing you significant tax savings and taking years of your mortgage.  Learn more about this topic  at everythingfinancial (dot) com and if you have a question for Peter you may email the podcast at yourmoney (at) everythingfinancial (dot) com.   See omnystudio.com/listener for privacy information.

David Pratt and Peter Cishecki President of Everything Financial talk the big misconceptions and confusion around RRSPs and TFSAs. The guys debunk the myths about "RRSP Season' and why maximizing your RRSP may not be the best route to save on taxes, how you can do more than let your TFSA sit in and bank account earning next to nothing and much more info on how you should use RRSPs and TFSAs properly as part of a comprehensive financial plan. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.   See omnystudio.com/listener for privacy information.

In the first episode of Season 2 of the 'Your Money' personal finance podcast David Pratt and Peter Cishecki - President of Everything Financial - talk in-depth on everything you need to know about financial plans and Everything Financial's proprietary comprehensive financial plan called the OMNI Formula. Peter explains everything that should be a part of a proper, comprehensive financial plan and how the OMNI Formula financial plan is designed to help you achieve your financial goals and obtain a work optional lifestyle. If you have a personal finance question you can email David and Peter at yourmoney(at)everythingfinancial(dot)com See omnystudio.com/listener for privacy information.

Episode 15 of ‘Your Money' Peter and Jon get into everything you need to know about Tax Planning and why it is such a crucial part of a comprehensive financial plan. See omnystudio.com/listener for privacy information.

Peter answers listeners personal finance questions on RRSPs, Reverse Mortgages, Crypto Currency and much more. See omnystudio.com/listener for privacy information.

Peter and Jon debunk the biggest myths around RRSPs that cost you money that the big banks and mutual fund companies don't tell you. See omnystudio.com/listener for privacy information.

Peter and Jon are joined by Mortgage Expert Vy Tri Troung who reveals the most common mortgage mistakes and misconceptions that end up costing consumers more of their money, and how to fix them. See omnystudio.com/listener for privacy information.

In Episode 11 of 'Your Money' Peter and Jon discuss the Top 10 New Year's Personal Finance Resolutions to make 2021 the year you can get your money truly working for you with a proper financial plan for your future. See omnystudio.com/listener for privacy information.

In Episode 10 of 'Your Money' Peter and Jon discuss five unexpected expenses in retirement that happen with regularity and how you can incorporate them into your financial plan so you can retire worry free. See omnystudio.com/listener for privacy information.

In Episode 9 of Your Money, Peter and Jon are joined by special guest Stuart Zukerman of Zukerman Family Law. They discuss the increase in divorce rates as a result of the pandemic and how the various types of spousal support impacts taxes plus many more family law and taxes questions. You can connect with Stuart at zukermanlaw.ca. See omnystudio.com/listener for privacy information.

In Episode 8 of ‘Your Money' podcast Peter and Jon are joined by Vice President of Connor Clark & Lunn Private Capital, Janice Sowden. Janice provides a 3rd Quarter Financial review and discusses world and Canadian markets and the impact of the pandemic on market recovery plus what historical analysis of past economic turbulence can tell us. You can connect with Janice at https://cclprivatecapital.com/ See omnystudio.com/listener for privacy information.

In Ep. 7 of ‘Your Money' Peter and Jon are joined by special guest BC Notary Public Bart Aldrich to discuss everything you need to know around Wills, Estate Planning, Powers of Attorney, and Advanced Medical Directives and how they are all a critical part of your overall financial plan. You can visit Bart at coquitlamnotarypublic.ca See omnystudio.com/listener for privacy information.

In Ep. 6 Peter and Jon discuss everything you need to know about the recently implemented changes to the Federal government's various COVID-19 emergency relief benefit programs for both individuals and businesses. See omnystudio.com/listener for privacy information.

In Episode 5 Jon asks Peter a bunch of the top listener and viewer questions that have come in to yourmoney@everythingfinancial.com. Questions range from how much money you need for retirement, to ways to lower your taxes and save money on fees, and much more. See omnystudio.com/listener for privacy information.

Peter Cishecki is joined by Mortgage expert Vy Tri Truong. The guys get into everything you need to know about mortgages whether you are a first-time home buyer or needing to refinance or renew your mortgage and discuss using a mortgage broker versus the bank and the different options of mortgage that exist including Home Equity Lines of Credit and the best ways to lower your costs of borrowing. See omnystudio.com/listener for privacy information.

In Episode 3 of the Your Money Personal Finance Podcast Jon and Peter discuss Everything Financial's proprietary OMNI Formula. Peter explains how he developed the OMNI Formula and what it is all about as a system to help individuals achieve their financial goals and obtain a work-optional lifestyle. Peter also discusses why having a financial plan - at whatever stage you are in life is critical, especially in turbulent times like these. See omnystudio.com/listener for privacy information.

Jon and Peter discuss the various COVID19 emergency benefit programs the federal government has already rolled out for individuals and businesses. The guys tell you everything you need to know about the Canada Emergency Response Benefit, the Canada Emergency Wage Subsidy, the Canada Emergency Business Account and more. See omnystudio.com/listener for privacy information.

In Episode #1 of the 'Your Money' Personal Finance podcast Jon and Peter tackle the huge issue of hidden fees and the lack of transparency and disclosure laws in Canada for mutual funds and many banking products that end up eating away your retirement savings by costing you significant dollars every year. Also, Peter explains the differences between a Portfolio Manager and an Investment Advisor and the impact that Portfolio Managers having a 'fiduciary duty' has on your financial plan. See omnystudio.com/listener for privacy information.

Each week on The Your Money Podcast host Jon Abbott and Peter Cishecki, President of the Everything Financial Group, are joined by industry expert guests to discuss in-depth everything you need to know about the most important topics in the world of personal finance. Covering a wide-range of often misunderstood finance products including; Mutual Funds, Mortgages; Disability and Critical Illness Insurance; Retirement Planning; TSFAs vs.RSPs; Robo-Investing, and much more - all so listeners can learn more so they may pay less fees on their investments and banking products; earn and save more money for their retirement, and pay less taxes.  See omnystudio.com/listener for privacy information.