Podcasts about canadian investing

In this episode of "Canadian Investing in the US," host Glen Sutherland interviews Brett Henry, a real estate broker in the Dominican Republic. Originally from Saskatchewan, Canada, Brett transitioned from a 20-year career as a police officer to becoming a successful entrepreneur in real estate. He shares his journey of moving to the Dominican Republic after investing in a bar, which eventually led him to explore opportunities in real estate. Brett discusses the unique real estate landscape in the Dominican Republic, emphasizing the importance of having a knowledgeable broker due to the lack of a centralized MLS system. He co-founded his brokerage, RealtordR.com, with a focus on quality marketing and providing up-to-date listings to cater to Canadian and American buyers. Brett highlights the economic advantages of investing in the Dominican Republic, including the country's stability, safety, and the rights of foreign investors to own property outright. Throughout the conversation, Brett touches on various topics, such as the appeal of the north coast of the Dominican Republic, the vibrant expat community, and the country's diverse economy, which includes gold mining and agriculture. He explains the process of obtaining mortgages in the DR, noting that while financing is available, substantial down payments are required. Brett also shares insights into the local culture, the benefits of living in the Dominican Republic, and the potential for profitable rental income through short-term rentals like Airbnb. He encourages listeners to consider the lifestyle advantages of moving to the DR, emphasizing the friendly atmosphere and low cost of living. In closing, Brett invites those interested in exploring real estate opportunities in the Dominican Republic to reach out, providing his contact information and encouraging potential investors to experience the region for themselves.

In this episode of "A Canadian Investing in the U.S.," host Glen Sutherland interviews Jonathan Nichols, co-founder of Apogee Capital, a multifamily real estate investment company based in the Dallas-Fort Worth area. Jonathan shares his journey into real estate investing, which began about seven or eight years ago with single-family rentals. Along with his wife Paula, they transitioned from buying single-family homes to pursuing multifamily syndication. Key Points Discussed: Background and Company Formation: Jonathan describes his background as an aerospace engineer and how it influenced the naming of his company, Apogee Capital. The term "apogee" refers to reaching the peak or apex, symbolizing their goal of helping investors achieve financial success. Investment Strategies: Jonathan explains their investment strategy, which initially focused on single-family properties with a BRRRR (Buy, Rehab, Rent, Refinance, Repeat) approach. They later pivoted to multifamily investments, primarily focusing on light value-add projects to enhance cash flow. Transition from Single-Family to Multifamily: He emphasizes the lessons learned from single-family investments, particularly the mistakes made that provided valuable experience without risking other people's money. Jonathan highlights the importance of aligning investment strategies with personal skill sets, noting that their engineering backgrounds suited the analytical and operational demands of multifamily investing. Current Projects: Jonathan discusses their recent acquisition of a heavy value-add property in Lubbock, Texas, which they purchased at a low price due to its occupancy challenges. He shares that they moved to Lubbock for three months to oversee renovations and stabilize the property, which is now seeing significant occupancy improvements. Financing Challenges: The conversation touches on financing strategies, including the use of bridge loans with high interest rates and plans to transition to long-term financing through agency loans. Jonathan highlights the difficulties in raising capital for heavier value-add projects in the current market climate, where investors are more cautious. Market Insights: Jonathan shares insights on market conditions, emphasizing the importance of diversifying job sources in the areas they invest in, particularly in university towns, which provide stability. He explains how understanding local demographics and economic factors can significantly impact investment success. Future Outlook: Looking ahead, Jonathan expresses optimism about their current projects and the multifamily market's potential despite challenges. He encourages listeners to be diligent in their research and due diligence, emphasizing the need for conservative underwriting in today's economic environment.

In this episode of "A Canadian Investing in the US," host Glen Sutherland interviews Chris Micucci, a college professor and real estate investor who began investing just over three years ago. After taking Glen's class, Chris quickly seized an opportunity presented in an email and bought his first property. Since then, he has engaged in various investment strategies, including flips and the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) method, and has transitioned into lending as a Canadian mortgage agent working with American lenders. Chris emphasizes the importance of taking action in real estate investing, highlighting that many potential investors fall into analysis paralysis. He believes that success comes from actively engaging in the market and learning through experience. The conversation then shifts to the lending landscape for Canadians investing in the US. Chris outlines how lending practices differ between Canada and the US, emphasizing that in the US, the rental income generated by a property is the primary factor for mortgage qualification, rather than the investor's income or credit score. Key points discussed include: The significance of having a solid team and the importance of networking in the real estate industry. The various types of loans available in the US, with a focus on purchase loans and how property vacancy can impact loan rates. The necessity for proper documentation and organization when applying for loans, as well as the importance of understanding property value before making purchases. The benefits of using a lender for investment projects, as they provide oversight and protection during renovations. Chris also advises potential investors to consider hiring a coach to navigate the complexities of US real estate investing or at least work closely with knowledgeable lenders. The episode concludes with Chris sharing his contact information for those interested in exploring lending options for their investment properties.

This podcast episode of Canadian Investing in the USA features Rich Monroe, an experienced real estate investor based in Atlanta, Georgia, who focuses on short-term rentals, Airbnbs, and boutique hotels. Over his 20-year career, Rich has worked with single-family homes, multi-family properties, and hotels. His main focus has shifted toward distressed property investments, particularly boutique hotels, due to the flexibility and value creation opportunities they provide. Key Points: Geographic Focus: Rich primarily invests in the southeastern U.S., including Atlanta, Tampa (Florida), North Georgia mountains, North Carolina, and Tennessee. Investment Strategies: Fix and flip distressed properties for short-term rentals. Rental arbitrage by leasing properties for Airbnb use. Management of short-term rentals for other investors (earning ~25% management fees). Shift to Hotels: Hotels offer flexibility since value is based on net operating income, not appraised property values. They allow for higher returns by leveraging operational efficiencies, remodeling, and licensing advantages, particularly in markets with strict Airbnb regulations. Ongoing Projects: Rich is working on a 104-room cabin resort in North Georgia that includes amenities like a wedding venue, spa, restaurant, and horseback riding. He's also exploring distressed hotels and conversions into boutique-style accommodations. Regulatory Challenges: Short-term rental regulations in cities like Atlanta and New York have pushed Rich toward the hotel space, which has more stable licensing structures and fewer restrictions. Creating Experiences: To differentiate his properties, Rich focuses on creating unique guest experiences with amenities like pools, pickleball courts, fire pits, and organized activities such as yoga or events. Collaborative Approach: Rich emphasizes partnering with experienced professionals in the hotel space to reduce risk and streamline operations. He's also exploring innovative strategies like hotel-to-condo conversions, offering individual investors opportunities to buy rooms. The discussion highlights the strategic advantages of hotel investments and the importance of diversifying income streams in real estate.

Glen Sutherland hosts Canadian Investing in the US with guest Dave Mastronardi. Dave runs a real estate investment firm in Canada focused on the southern US, particularly Florida. He is also a partner at Midfield Investments, focusing on multifamily properties in Texas. Dave's Real Estate Journey Previously the CEO of a large manufacturing company; transitioned to real estate full-time after the business was sold. Started with smaller, self-funded projects in Ontario before expanding into larger multifamily investments in the US. Emphasized the importance of scaling through partnerships, capital raising, and team-building. Current Project: 120-Unit Property in Montgomery, Texas The deal involves a brand-new multifamily property purchased from a developer at $142,000 per unit—significantly below typical Canadian prices. Located near Houston, in a growing area with strong commercial and residential development, including amenities like a new Home Depot and other retail spaces. Demographic appeal includes commuters to Houston and residents drawn to nearby Lake Conroe (comparable to Muskoka, Ontario). Deal Highlights Seller Financing: Favorable terms allow flexibility and a path to HUD financing. Cash Flow from Day One: No significant renovations required; focus on minor amenity additions. Low Risk: De-risked due to immediate cash flow, strong market demand, and equity on purchase. Avoiding high-risk "value-add" strategies common in previous hot markets, given interest rate fluctuations and renovation uncertainties. Final Notes Glen and Dave highlighted the importance of shifting strategies based on market conditions. Dave emphasized prioritizing cash flow and minimizing risk in the current environment, as opposed to high-risk renovation-heavy projects. The project stands out due to its favorable terms, location, and growth potential.

This podcast episode of "A Canadian Investing in the USA" talks about real estate investors moving into the U.S. market. The conversation touches on a variety of themes, including: Key Points: Affordability and Opportunities in U.S. Markets: Canadian investors are drawn to U.S. markets for more affordable housing, better weather, and lending products that are more favorable to investors. Examples include buying properties in cities like Cleveland for significantly less than what comparable properties would cost in Canada, even factoring in renovations. Challenges in Canadian Real Estate: Canadian real estate markets are characterized by limited supply, inflated prices, and over-regulation. Policies like allowing secondary suites or rezoning for multi-unit developments are seen as inadequate responses to the housing crisis. Economic and Political Observations: The potential political shift in both Canada (towards a conservative government) and the U.S. (with Trump returning to power) is viewed as potentially positive for economic growth. Comparisons are made between Canada's slower, bureaucratic approach to development and the U.S.'s ability to "cut the red tape" and foster growth. Consumer Faith and Speculation: Consumer faith in the future, influenced by policies and economic indicators, plays a crucial role in real estate decisions. In Canada, high consumer debt and stagnant appreciation contrast with the optimism surrounding U.S. markets. Exchange Rates and Cross-Border Investments: The strength of the U.S. dollar compared to the Canadian dollar makes U.S. investments appealing, even with cross-border tax implications. Supply and Demand Imbalance in Canada: The low housing supply in Canada leads to rapid absorption rates and inflated property values. Developers face challenges due to inconsistent regulations and inspections, further slowing down new builds. Analysis: The conversation underscores the relative attractiveness of U.S. real estate markets for Canadian investors, highlighting both structural and policy-driven differences. It also reflects frustrations with Canadian policies and a hopeful outlook for changes that could encourage economic growth.

In this episode of A Canadian Investing in the US, we discuss Brooke's transition from investing in Ontario to focusing on other regions and passive investing in the US. Leaving Ontario for Other Markets Brooke moved out of Ontario's real estate market due to challenges, including: Landlord-Tenant Board (LTB): Ongoing disputes and difficulties with enforcement, even when rulings favored landlords. Poor Cash Flow: High property values and refinancing often erased rental income. Airbnb Regulations: Changes in short-term rental laws created additional hurdles. Investing in Alberta and Beyond Brooke turned to Alberta for better cash flow, though it has become more competitive. She has also invested in Winnipeg, the US, and Asia: In Asia, investments were accidental (family-owned properties turned into rentals). US Passive Investing Brooke has consistently focused on passive investing in the US, including: Flips: Initially as an equity partner in Florida, Ohio, and Phoenix. Private Lending: Provided second mortgages, earning returns of up to 18%. Limited Partnerships: Transitioned to more secure structures for passive income. Lessons Learned Early deals were riskier but provided valuable experience. Promissory notes: Brooke no longer recommends these due to lack of security and risks in volatile markets. Preferred methods now involve secured lending (e.g., registered mortgages) to mitigate risks. Partner experience and deal details are critical in evaluating investment opportunities. Advice for Passive Investors Understand the market, the operator, and the deal specifics. Avoid blindly chasing high returns without assessing risks. Secure investments (e.g., registered mortgages) provide greater protection. Continuous learning and due diligence are essential to making better decisions over time.

What are the most frequently asked questions business owners ask when implementing a pass-through structure that uses a whole life insurance policy to build wealth while minimizing tax? Kyle Pearce sits down with one of his clients and answers 6 of the most commonly asked questions business owners face when deciding to utilize a whole life insurance policy as a passthrough structure.In this episode, we explore strategies that help business owners avoid the grind-down rule and navigate the complexities of passive income taxation. With insights on optimizing premiums, maximizing your cash value, and creating financial flexibility, you'll discover how to build wealth within your corporation while minimizing unnecessary risks and taxes.Learn how to avoid the tax clawback on your small business tax credit caused by excessive passive income.Discover flexible funding strategies for corporate-owned life insurance policies that balance growth and security.Understand how to leverage policies for tax-free cash flow while maintaining long-term financial stability.Listen now to uncover actionable insights that could transform your corporate financial strategy and help you achieve greater tax efficiency!Resources Business Owners: Ready to take a deep dive and learn how to generate personal tax free cash flow from your corporation? Enroll in our FREE masterclass hereBook a Discovery Call with Kyle to review your corporate (or personal) wealth strategy to help you overcome your current struggle and take the next step in your Canadian Wealth Building Journey! https://canadianwealthsecrets.com/discovery Canadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.How can you maximize the growth of your retained earnings while minimizing the tax grind on passive income inside your incorporated business? In this episode, we dive into strategies tailored for Canadian business owners, exploring how to protect your business from liability, minimize income and corporate taxes, and leverage tools like infinite banking and participating whole life insurance. Learn how to optimize retained earnings, unlock the benefits of permanent and universal life insurance, and create tax-free cash flow with low tax rates while maintaining long-term financial stability through strategic death benefits. Listen now to discover how these innovative approaches can transform your financial strategy!Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

How a Canadian family turned $6,000 a year into a lifelong safety net.Are you ready to uncover how Canadian income tax strategies and smart investment planning can create a legacy while fueling your financial growth?In the complex landscape of Canadian income tax and wealth management, many individuals and entrepreneurs struggle to find the right balance between optimizing their investments and securing their future. This episode unpacks a real-life case study of a listener who wanted to diversify their portfolio, manage tax liabilities, and leave a meaningful legacy for their family—without creating a silver spoon scenario.Whether you're an investor, entrepreneur, or someone seeking smart strategies for wealth management, this discussion sheds light on how permanent insurance policies can play a dual role in tax-efficient investment strategies and long-term financial planning. From understanding policy funding flexibility to exploring leverage opportunities, we guide you through actionable insights tailored for Canadians looking to maximize their financial potential.Gain valuable insights into Canadian income tax strategies and how they intersect with smart investment planning.Explore flexible options for permanent insurance policies that align with your entrepreneurial goals or personal wealth management needs.Discover how to create a tax-efficient financial plan that supports both current investments and future legacy planning.Don't miss this episode—unlock practical strategies for optimizing investments, managing Canadian income tax, and building wealth. Visit CanadianWealthSecrets.com to listen now and take control of your financial future!Learn creative, tax compliant strategies that you should be using now: https://canadianwealthsecrets.com/discovery/Resources Business Owners: Ready to take a deep dive and learn how to generate personal tax free cash flow from your corporation? Enroll in our FREE masterclass hereCanadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Are you ready to optimize your investments, manage Canadian income tax, and build a lasting legacy? In this episode, we explore a real-life case study showcasing smart investment strategies, flexible permanent insurance options, and wealth management insights tailored for entrepreneurs and investors. Discover how to balance current growth with future security while leveraging taReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you leaving wealth-building opportunities on the table when designing your Canadian financial plan? Isn't this the question we constantly ask ourselves? Is it the question that keeps you up at night? What if you could turn your financial strategy into a money-making machine while protecting your legacy?In today's episode, we dive into a case study that speaks to a challenge many high-income earners face: how to efficiently grow and protect wealth while minimizing tax liabilities. For Canadians juggling multiple investments and wondering if they're leveraging their financial tools to their fullest potential, this discussion unpacks a unique solution—permanent life insurance with high early cash value.Whether you're navigating a mix of RRSPs, TFSAs, real estate, or equities, it's easy to overlook how a properly designed insurance policy can complement your portfolio. This episode explores a specific listener's financial situation to illustrate how this tool can act as a pass-through structure, unlock investment opportunities, and safeguard your legacy.Discover how to create a "life equity line of credit" that allows you to use your dollars in multiple places at once.Learn how a permanent life insurance policy can serve as a conservative fixed-income alternative in your portfolio for long-term stability.Explore how this strategy can manage future tax liabilities while ensuring a significant legacy for your family or causes you care about.Click play now to uncover whether this strategy could unlock hidden opportunities in your financial plan!Book a Discovery Call with Kyle to review your corporate (or personal) wealth strategy to help you overcome your current struggle and take the next step in your Canadian Wealth Building Journey! https://canadianwealthsecrets.com/discovery Resources Canadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Are you maximizing your wealth-building potential or leaving money on the table? In this episode of Canadian Wealth Secrets, we dive into tax-efficient wealth strategies like permanent life insurance with high early cash value. Learn how tools like a life equity line of credit (LEELOC) can create opportunities for high-income earners, young families, and T4 employees to grow their financial freedom while preparing for future tax liabilities. Whether you're navigating the Smith maneuver or looking for alternatives to fixed-income portfolioReady to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

What if you could unlock an extra $200,000 in net worth and add millions to your Canadian Investing Strategy and estate, simply by restructuring how you invest?Many Canadian investors struggle with the balance between maximizing returns and minimizing risk. Whether you're putting money into stocks, real estate, or private investments, it's common to wonder if you're truly leveraging your resources effectively. For those playing the investment long game, the idea of creating “free money” while growing your wealth conservatively might seem too good to be true—but it's not.In this episode, we explore a unique strategy designed for Canadian business owners, investors, or entrepreneurs looking to optimize their portfolio beyond traditional methods. Through careful planning and leveraging tools like participating whole life insurance, this approach can create compounding benefits that build significant wealth over time. If you've ever thought about how to protect and grow your assets simultaneously, this episode offers the clarity you need.Discover how a pass-through investment structure can safely amplify your wealth.Learn why this strategy isn't about taking risks but about building sustainable, long-term returns.Uncover the benefits of leveraging whole life insurance to grow multiple assets while minimizing taxes.Don't miss this opportunity to transform your approach to investing—click play now to unlock the secrets to smarter wealth-building strategies!Learn creative, tax compliant strategies that you should be using now: https://canadianwealthsecrets.com/discovery/ResourcesCanadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.If you're a high earner or entrepreneur looking for a safer way to grow your wealth, minimize taxes, and create financial options for the future, this strategy could be your game-changer. Forget risky moves—this is about leveraging a proven, low-risk approach to compound your assets over time. If your net worth is climbing toward $2M or more, and you're tired of leaving money on the table with outdated methods, this episode is a must-listen.Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

This week on "A Canadian Investing in the USA Ben Humble shares his journey from being a refugee from Romania to building a successful career in real estate. Key points include: Background: Born in Romania, his family fled communism in 1989, eventually settling in Canada. Initially pursued a music career but shifted to real estate after recognizing the need to secure financial independence. Real Estate Journey: Began investing in Canada in 2006, starting with duplexes and scaling aggressively after the 2008 crash. Bought, sold, and managed over 300 properties in Canada, with strategies like private lending and creative financing. Transitioned to US real estate during COVID, settling in Scottsdale, Arizona, and expanding into luxury Airbnbs and syndicated investments. Investment Philosophy: Emphasizes long-term ownership, targeting $10M+ in assets under management for financial freedom. Advocates leveraging market cycles: buying during downturns (e.g., 2009 and 2024) to capture equity and selling during upturns. Highlights creative strategies, like seller financing and partnerships, to maximize opportunities. Creative Thinking in Real Estate: Attributes his success to a musician's creativity, applying innovative solutions to challenges. Stresses the value of creative problem-solving in real estate, particularly in volatile markets. Events and Networking: Promotes hosting events and creating content as tools to build synergy, attract investors, and find deals. Advocates using platforms like podcasts and conferences to establish authority and grow a network. Ben believes now is an excellent time to invest, especially for those willing to think strategically and creatively in the current market climate. Ben Humble https://www.glensutherland.com/revival/

Are your corporate retained earnings really working to build your wealth here in Canada, or are they just collecting dust under heavy tax burdens from the CRA?For many Canadian entrepreneurs and business owners, retained earnings can feel like a double-edged sword. On one hand, they're a symbol of your business's growth and success. On the other, if they're just sitting in low-yield, high-tax vehicles like GICs, they could be significantly limiting your wealth-building potential. In today's episode, Kyle Pearce shares a real-life example of a client who turned their retained earnings into a powerful growth tool while slashing tax liabilities and optimizing for both short- and long-term financial goals.Using strategies like corporate-owned life insurance and targeted investments, we explore how this client increased liquidity, minimized tax, and secured a smart approach for purchasing property without tapping into personal income. Whether you're looking to grow assets, secure a comfortable retirement, or enhance your estate planning, today's insights offer an actionable blueprint for maximizing retained earnings with a holistic, tax-savvy approach.Learn how to leverage corporate-owned life insurance for tax-free growth and asset liquidity.Discover a strategy to make retained earnings work harder while preparing for property investments.Understand how to balance immediate tax savings with long-term wealth and estate planning.Listen now to discover how smart planning can help you turn corporate retained earnings into a powerful wealth-building tool for today and the future!Resources Canadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian business owners, optimizing retained earnings is essential to minimize income tax liability and build long-term wealth. This episode explores powerful strategies like infinite banking and participating whole life insurance to turn retained earnings into tax-efficient, passive income. Learn how tools like universal and permanent life insurance can lower corporate tax rates, provide a secure death benefit, and support your business growth—all while keeping more of your hard-earned wealth.Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you missing out on tax savings and passive income by not taking advantage of smart debt strategies like cash damming?Many Canadians are familiar with the Smith Maneuver for converting mortgage interest into tax-deductible debt, but few know about cash damming—another powerful tool that allows you to maximize tax savings and transform your business or rental property expenses into tax-advantaged opportunities. Today, Kyle Pearce and Jon Orr dive into the mechanics of cash damming, explaining how it works, why it's similar to the Smith Maneuver, and how business owners, especially unincorporated ones, can take advantage of it. If you're aiming to minimize income tax and make your debt work for you, this episode will show you a practical pathway to improve your financial health by maximizing the tax efficiency of your expenses.Discover how cash damming can convert personal mortgage interest into tax-deductible debt.Learn why debt, when managed strategically, can be a powerful asset rather than a burden.Explore how cash damming can reduce your tax liability and increase your passive income potential.Listen now to find out how to turn your business or rental property expenses into a tax-saving advantage and build wealth with smart debt strategies!ResourcesCanadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Are you overlooking tax-saving strategies like cash damming and the Smith Maneuver to turn your mortgage into a powerful wealth-building tool? In this episode, we break down how debt, when managed strategically through methods like leveraging HELOCs and converting non-deductible debt, can minimize income taxes, increase passive income, and optimize your real estate investments. From Canadian investing strategies to infinite banking with whole and universal life insurance, discover how smart debt management not only reduces tax liability but also supports long-term estate planning and financial growth. Listen in to learn how to make your debt work for you!Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you unknowingly giving away tens of thousands of dollars in taxes each year by being too conservative with your passive income and business earnings?For many business owners, keeping retained earnings safe and secure is a top priority, but this cautious approach can often come with a hidden cost—unnecessarily high tax payments. If you're like many Canadians, you might be trying to save wisely, opting for conservative investments like GICs, only to see nearly half of your hard-earned gains going straight to taxes. This episode unpacks how conservative choices in a corporate structure, while low-risk, can end up holding you back financially.In this episode, Kyle Pearce shares a real-life scenario of an incorporated business owner caught in a “tax trap” from passive income on retained earnings and explores a powerful solution: rethinking how these funds are invested using strategies that offer security without sacrificing growth. By shifting toward tools like whole life policies, this client could see significant compounding growth with far less tax erosion, transforming their conservative approach into one that builds wealth sustainably.Learn how to avoid the “passive income tax trap” and keep more of your wealth intact.Discover how whole life policies offer both security and significant tax benefits for conservative investors.Understand the long-term impact of leveraging retained earnings to maximize both present and future wealth.Tune in now to find out how small shifts in your investment strategy could save you thousands and boost your wealth-building potential!Resources Canadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Are you holding onto retained earnings in conservative investments like GICs, unknowingly facing high taxes on passive income? Many Canadian business owners prioritize safety but risk seeing a significant portion of their earnings lost to income tax. In this episode, we explore how leveraging participating whole life insurance, infinite banking, and corporate tax strategies can help minimize liabilities, generate passive income, and provide a substantial death benefit—all while preserving wealth within a business structure. Don't let taxes erode your hard-earned wealth; discover how a strategic approach to permanent life insurance can unlock sustainable, tax-efficient growth for the future. Tune in to learn how small shifts in your investment strategy could boost your wealth-building potential!Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Tired of sinking money into car loans that seem never ending while leaving you trapped in a pit of depreciation?In today's world, cars are a necessary expense for most of us, but they often come with financing options that may not be as beneficial as they seem. Whether it's a high-interest loan on a used car or a tempting 0% deal on a new one, you could still be losing money without even realizing it. This episode explores how traditional vehicle financing might be quietly draining your wealth and why it's time to rethink how you approach big-ticket purchases like cars.We dive into smarter ways to finance your next vehicle without feeling the pinch. Whether you're looking for ways to pay off your car faster or save on interest, this episode will introduce alternative methods, including using home equity lines of credit or even leveraging high cash value life insurance policies as a means to kick traditional financing methods to the curb. These strategies could help you avoid excessive interest payments and keep more money working for you, even while you finance the vehicle you need to get around.What you'll learn:Discover how to save on car loan interest using unconventional yet effective financing strategies.Learn why home equity lines of credit and permanent insurance policies could offer more flexibility and savings compared to traditional car loans.Find out how to keep your emergency fund growing while still financing a vehicle, turning your car loan into a wealth-building opportunity.Tune into this episode now to learn how to finance your car the smart way and keep more money in your pocket!Resources Canadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.This episode helps Canadians to utilize creative car financing strategies aside from traditional car loans to save interest and grow wealth simultaneously. Compare how interest on a Canadian car loan is calculated versus taking a policy loan against a high cash value participating whole life insurance policy in order to save interest and grow your wealth tax free simultaneously.Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you prepared to protect your wealth and pass it on to future generations, all while enjoying your financial gains today?In this episode of Canadian Wealth Secrets, Kyle Pearce and Jon Orr dive into the intricacies of the "waterfall method" and its powerful role in wealth transfer. This concept is especially critical for business owners and high-net-worth individuals who want to minimize tax burdens, preserve their wealth, and create a financial legacy that endures. They also discuss how leveraging permanent insurance policies can help you invest in assets for today while safeguarding your family's future.Learn how the waterfall method can optimize wealth transfer across generations while reducing tax impacts.Discover how to balance current spending and future security using innovative financial strategies.Get insights into structuring permanent insurance policies to maximize your asset potential in the short, medium, and long term.Tune in now to explore how the waterfall method can elevate your wealth strategy and help you leave a lasting financial legacy!ResourcesCanadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.In this episode of Canadian Wealth Secrets, Kyle and Jon explore the "waterfall method"—a powerful strategy for transferring wealth, minimizing taxes, and building a lasting legacy. They discuss how business owners can leverage permanent insurance to grow assets, optimize wealth transfer, and balance their current spending with long-term financial security.Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you prepared for a financially secure retirement, or are you leaving your future to chance?In this episode of the Canadian Wealth Secrets podcast, Jon Orr and Kyle Pearce delve into the crucial steps needed to achieve financial independence and secure your retirement. They explore your FIRE (Financially Independent Retire Early) number or FIRN (Financially Independent Retirement Number). Whether you're just starting your financial journey or are close to retirement, their insights will help you build a robust plan that aligns with your lifestyle goals.Discover how to calculate your "fire number" (FIRN) and understand the amount needed to retire comfortably.Learn practical strategies for asset accumulation and the importance of a solid decumulation plan.Gain valuable insights into setting and regularly reviewing your financial goals to ensure you're on track for a secure retirement.Listen to this episode now to take control of your financial future and start building a retirement plan that ensures your financial independence!Resources Canadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Are you prepared for retirement? In this episode of the Canadian Wealth Secrets podcast, Jon and Kyle discuss essential strategies for financial freedom, including understanding your pension plan, maximizing RRSP contributions, and calculating your "FIRE" number. They also explore Canadian investing, income tax strategies, infinite banking, and the benefits of participating whole life insurance. Learn how to minimize taxes, plan your estate, and navigate advice from experts like Dave Ramsey. Don't leave your future to chance—start building a secure retirement today!Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you making the most out of your RRSP investments as a business owner, or is there a better way to secure your financial future?In this episode, we tackle the critical question of whether your current investment strategy is truly aligned with your long-term goals. If you've been contributing to an RRSP as a business owner, but you're unsure if it's the best approach, this discussion is for you. We explore alternative strategies, like using participating whole life insurance, that might offer better returns, greater flexibility, and significant tax advantages. Understanding how to maximize your investment vehicles can be the difference between a comfortable retirement and one filled with financial uncertainty.By diving into the specifics of real client scenarios, we shed light on the potential pitfalls of overly conservative investment strategies and how you can optimize your portfolio to better suit your risk tolerance and financial objectives. Whether you're a business owner looking to leverage retained earnings or simply someone seeking a smarter way to grow your savings, this episode offers valuable insights that can help you make more informed decisions about your financial future.Discover how whole life insurance can offer comparable returns to your RRSP with added tax benefits.Learn how to optimize your investment strategy to better align with your risk tolerance and long-term goals.Understand the benefits of leveraging insurance policies for retirement income and estate planning.Tune in now to uncover strategies that could transform your financial future—don't let conservative investments limit your potential!Resources:Canadian Wealth Secrets Show Notes Page…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Are your current RRSP and retirement strategies really maximizing your financial potential, or could you benefit from a smarter approach? In this episode, we explore Canadian investing options like RRSPs, IPPs, and innovative strategies like Infinite Banking and Participating Whole Life Insurance. Learn how to bank on yourself, minimize income taxes, and leverage permanent and universal life insurance for a low-tax, secure financial future. Don't miss out on insights that could reshape your retirement planning. Tune in now!Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you leveraging your home equity to its fullest potential, or are you leaving valuable financial opportunities on the table?In today's challenging financial landscape, finding ways to build wealth while managing debt is a priority for many. This episode dives deep into the Smith Maneuver and other wealth-building strategies that could be the key to optimizing your financial future. Whether you're looking to reduce mortgage interest, invest wisely, or create a flexible financial safety net, understanding how to effectively use your home equity is crucial.As Kyle and Jon break down complex financial strategies like the Smith Maneuver, home equity lines of credit, and investment dilemmas, they provide actionable insights tailored to both seasoned investors and those new to the concept. If you've ever wondered how to make your money work harder for you, this episode offers a clear roadmap to maximizing your financial potential while minimizing risk.Learn how to use the Smith Maneuver to create wealth and reduce your mortgage costs through tax deductions.Unpack misunderstood strategies for managing and maximizing your home equity to invest in opportunities without jeopardizing your financial stability.Understand how the Smith Maneuver can be combined with other investment strategies.Tune in now to discover how these proven financial strategies can help you unlock the hidden potential of your home equity and take control of your financial future!Resources Canadian Wealth Secrets Show Notes Page Consider reaching out to Kyle Pearce if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.By hopping on a discovery call with Kyle, he will review your specific personal and corporate financial situation in order to determine if there are some quick wins available for you to minimize taxes personally or corporately, provide ideas for how you can increase your personal cash flow, and ensure that the net worth of your estate continues to grow in tandem.In this episode, Jon and Kyle delve into advanced wealth management strategies, discussing how retained earnings and capital gains can be optimized using the Smith Maneuver and Infinite Banking. They highlight the importance of managing debt, particularly in the context of inflation and the complexities of corporate tax in Canada, to maximize financial growth and stability.Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you leaving money on the table by not maximizing your corporate-owned or personal life insurance policy?If you've ever wondered where your money goes once it's in a life insurance policy or how to use these policies to your advantage, this episode is for you. We'll break down the complexities and show you how to turn your insurance policy into a powerful financial tool, offering insights that could make a significant impact on your financial future.Many business owners are focused on growing their wealth but often overlook how to make the most of the tools available to them. Corporate-owned life insurance policies offer a unique opportunity to protect and grow your wealth, yet many don't fully understand how these policies can be leveraged for greater financial gain. This episode dives deep into how to strategically use these policies, ensuring you're not just securing your business but also optimizing your wealth-building efforts.Discover the inner workings of corporate-owned life insurance policies and how they can be a game-changer for your business.Learn how to leverage your policy for tax-free growth and increased investment opportunities.Understand the relationship between interest rates and dividend scales, and how to use this knowledge to your advantage.Hit play now to unlock the secret strategies that can help you maximize your corporate-owned life insurance and take your wealth-building journey to the next level!Resources:Canadian Wealth Secrets Show Notes Page…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.In this episode, we explore how to maximize corporate-owned life insurance policies, turning them into powerful tools for business wealth growth. You'll learn how to leverage life insurance for investment opportunities and gain insight into the tax advantages these policies offer. By understanding key strategies, such as the relationship between interest rates and dividend scales, you'll discover how to optimize your corporate life insurance to secure and grow your wealth. Whether you're new to these strategies or looking to refine your approach, this episode provides the knowledge you need to take your wealth-building journey to the next level.Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you using debt as a tool to build wealth, or is it holding you back from financial freedom?In this episode of the Canadian Wealth Secrets Podcast, Jon Orr and Kyle Pearce dive into the complexities of personal debt and corporate debt and how it affects your financial freedom decisions. They tackle the critical distinction between 'good debt' and 'bad debt' and explore how each can either hinder or enhance your journey to wealth. With inflation and rising interest rates reshaping the financial landscape, understanding how to strategically manage debt is more important than ever.Whether you're a business owner juggling personal and corporate finances or simply someone looking to secure your financial future, this episode offers valuable insights into how debt, when managed correctly, can be leveraged to grow your wealth. Jon and Kyle's discussion provides practical strategies that you can start applying today to navigate the challenges of debt and inflation, helping you move closer to your goal of financial freedom.What You'll Learn:Learn the difference between 'good' and 'bad' debt and how to manage each effectively.Discover how inflation and interest rates can impact your debt and wealth-building strategies.Gain insights into using debt as a tool for achieving long-term financial freedom.Don't miss out—tune in now to uncover how you can turn your debt into a powerful asset for building wealth.Resources:Consider reaching out to Kyle Pearce if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.By hopping on a discovery call with Kyle, he will review your specific personal and corporate financial situation in order to determine if there are some quick wins available for you to minimize taxes personally or corporately, provide ideas for how you can increase your personal cash flow, and ensure that the net worth of your estate continues to grow in tandem.Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you making the most of your corporation's retained earnings, or are you missing out on tax-saving opportunities using your capital dividend account?In this episode of Canadian Wealth Secrets, Kyle Pearce tackles a crucial topic for business owners: how to strategically use life insurance within your corporation and its capital dividend account to maximize tax efficiency and grow wealth. With the complexities of corporate taxes and the need for smart estate planning, understanding how to leverage retained earnings can make a significant difference in your financial future. Many business owners unknowingly leave money on the table by not fully utilizing the tax benefits available through corporate-owned life insurance policies.As inflation and rising taxes continue to impact your bottom line, now is the time to explore strategies that not only protect your assets but also allow for growth and wealth transfer in a tax-efficient manner. This episode dives deep into how to turn your corporation's retained earnings and the capital dividend account into a powerful tool for building and preserving wealth, offering insights that can help you achieve financial freedom and security.Learn how to leverage corporate-owned life insurance to maximize tax savings.Discover the benefits of using retained earnings for long-term wealth building and estate planning.Gain strategies to minimize your corporate and personal tax burdens while growing your wealth.Don't miss this essential episode—tune in now to uncover how you can turn your corporation's retained earnings into a tax-efficient wealth-building tool.Resources:Canadian Wealth Secrets Show Notes Page…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.In this episode of Canadian Wealth Secrets, we explore how Canadian investing strategies like Infinite Banking and Bank on Yourself can turn your corporation's retained earnings into a powerful retirement tool. By utilizing participating whole life insurance, permanent life insurance, or universal life insurance, you can maximize the benefits of the Capital Dividend Account and death benefit, all while minimizing income taxes. Learn how to take advantage of low tax rates and corporate tax strategies to grow your wealth and secure your financial futureReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you paying too much in investment fees and wondering how to optimize your investment portfolio? Are you unsure what a good financial advisor should be charging you or even how to choose a wealth manager? Discover how to lower your costs and maximize your returns in this episode!In this episode, Kyle Pearce from Canadian Wealth Secrets addresses common concerns about investment fees and financial planning and wealth management. Many investors struggle with the high costs associated with financial advisors and MER fees, which can significantly impact their overall returns. By exploring different fee structures and investment strategies, this episode provides practical advice to help you make informed decisions and take control of your financial future.You will benefit from hearing real-life examples and detailed explanations of various investment options, including index funds and permanent insurance for tax minimization. Whether you're just starting out or looking to optimize your existing portfolio, the insights shared in this episode can help you navigate the complexities of wealth management and achieve your financial goals.Learn how to identify and reduce unnecessary investment fees.Understand the benefits and drawbacks of different financial planning options.Gain practical strategies for optimizing your investments and minimizing taxes.Tune in to this episode now and start taking control of your financial future by making smarter investment choices!Resources:Canadian Wealth Secrets Show Notes Page…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Discover how to reduce investment fees and optimize your portfolio with expert financial planning advice in our latest episode. Learn the differences between fee-based and commission-based financial planners, explore low-cost investment options like index funds and ETFs, and gain strategies for tax-efficient investing. Whether you're new to investing or looking to improve your wealth management, this episode provides practical tips and insights to help you achieve your financial goals.Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you tired of high mortgage interest rates eating into your savings? Discover how the Smith Maneuver could turn your biggest expense into a powerful investment strategy!In this episode, hosts Jon Orr and Kyle Pearce unpack a real case study to dive deep into the Smith Maneuver, a financial strategy that aims to convert non-deductible mortgage interest into tax-deductible interest. If you're a homeowner struggling with high-interest rates or looking for ways to optimize your taxes, this episode is tailor-made for you. You'll hear first-hand how their client navigates their options and gains clarity on how to potentially save thousands of dollars each year.The episode also touches on the broader financial landscape, including high-interest rates' impact on personal finances and the exploration of various strategies like infinite banking and index fund investments. Whether you're an experienced investor or just starting, the insights shared in this conversation can help you make informed decisions to enhance your financial future.What you'll learn: How to implement the Smith Maneuver to convert your mortgage interest into tax-deductible expenses.The potential benefits and risks of various financial strategies, including infinite banking and index fund investments.Practical advice on managing high-interest rates and optimizing your cash flow for long-term financial health.Unlock the secrets to optimizing your mortgage and investments—listen to the latest episode now and start transforming your financial future!Resources: Canadian Wealth Secrets Show Notes PageEpisode 44: Saving Taxes and Accelerating Your Investments with The Smith Maneuver Episode 81: The Smith Maneuver in a High-Rate Era: Maximizing Canadian Income Tax DeductionsDig into our Ultimate Investment Book ListBook a Discovery Call with Kyle to review your corporate (or personal) wealth strategy to help you overcome your current struggle and take the next step in your Canadian Wealth Building Journey!Follow/Connect with us on social media for daily posts and conversations about business, finance, and investment on LinkedIn, Instagram, Facebook [Kyle's Profile, Our Business Page], TikTok and TwitterX.  Looking for a new mortgage, renewal, refinance, or HELOC? Reach out to Jon to share some options.Calling All Canadian Incorporated Business Owners & Investors:Consider Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you struggling to navigate the complex world of corporate tax strategies and maximize your business's retained earnings?In today's challenging financial landscape, many business owners face the dilemma of how to efficiently manage and grow their retained earnings while minimizing tax liabilities. This episode of Canadian Wealth Secrets dives deep into a common yet intricate issue: leveraging permanent life insurance policies to solve the retained earnings tax problem. Whether you're a seasoned business owner or just starting, understanding how to use these insurance strategies can save you significant amounts in taxes and help you grow your wealth within your corporate structure.By listening to this episode, you'll discover practical solutions to a problem that affects countless incorporated business owners. Learn how to avoid the pitfalls of traditional methods and instead, harness the power of well-designed permanent life insurance policies to safeguard and amplify your corporate wealth. This episode is packed with actionable insights that can transform the way you handle retained earnings, ensuring that your hard-earned money works for you in the most tax-efficient manner possible.You'll learn: Gain a clear understanding of how permanent life insurance policies can be used to solve retained earnings tax issues.Learn from real-life examples of business owners who have successfully implemented these strategies to grow their corporate wealth.Discover the specific design elements that make a permanent life insurance policy most effective for your unique financial situation.Tune into this episode now to uncover the secrets to maximizing your retained earnings and minimizing taxes—your business's financial future depends on it!Resources:Canadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.By hopping on a discovery call with Kyle, he will review your specific personal and corporate financial situation in order to determine if there are some quick wins available for you to minimize taxes personally or corporately, provide ideas for how you can increase your personal cash flow, and ensure that the net worth of your estate continues to grow in tandem.On the Canadian Wealth Secrets Podcast, we routinely discuss Canadian investment portfolios, rates of return, Canadian real estate, incorporated business owners, coReady to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Is a permanent life insurance policy right for you? Have you filled all of your tax sheltered buckets like RRSPs and TFSAs? Are you maximizing the benefits of life insurance in your wealth management strategy?In this episode of the Canadian Wealth Secrets podcast, Kyle and Jon delve into the complexities of permanent life insurance and term insurance, shedding light on common misconceptions and providing actionable insights. Many individuals and business owners struggle with determining the right wealth building strategy to complement their financial goals. This episode explores the nuances between term and whole life insurance, offering guidance on when each type is most appropriate based on one's financial journey and stability.Navigating the world of insurance and investment can be daunting, especially when considering the long-term impact on your wealth management efforts. Kyle and Jon discuss practical strategies for leveraging insurance policies to build an emergency fund, manage debt, and gain significant Canadian tax benefits. Whether you're early in your financial journey or looking for ways to optimize your existing strategy, this episode provides valuable perspectives to help you make informed decisions.What you'll learn:Understand the key differences between term and whole life insurance and how to choose the right option for your needs.Discover innovative ways to use a whole life policy for building an emergency fund and managing financial risk.Learn about the tax advantages of leveraging permanent insurance policies for retained earnings, particularly for business owners.Tune in to this episode now to learn if permanent life insurance is right for you and uncover how it can enhance your wealth-building strategy and secure your financial future!Resources Canadian Wealth Secrets Show Notes Page Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.By hopping on a discovery call with Kyle, he will review your specific personal and corporate financial situation in order to determine if there are some quick wins available for you to minimize taxes personally or corporately, provide ideas for how you can increase your personal cash flow, and ensure that the net worth of your estate continues to grow in tandem.Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you aware of the true rate of return on your Canadian portfolio, or have you been misled by common myths?Many Canadian investors are lulled into a false sense of security, believing that their portfolios are achieving high returns, often citing figures like 12% annually. However, the reality is far more complex and less optimistic for the majority. This episode delves into the truth behind these figures, exposing how typical portfolios, especially those with a mix of equities and fixed income, rarely reach such high returns. Understanding the actual performance of your investments is crucial for planning your financial future accurately.With this insight, you'll be better equipped to assess your current portfolio's performance and make informed decisions moving forward. Whether you're aiming for steady growth or preparing for retirement, knowing the real rate of return on your investments is essential. This episode breaks down the misconceptions and provides clear guidance on how to evaluate and optimize your portfolio's performance effectively.Learn how to accurately calculate the true rate of return on your investments.Understand the impact of fixed income assets on your overall portfolio performance.Discover strategies to optimize your portfolio for better returns in the Canadian market.Tune in to our latest episode to uncover the real performance of your Canadian portfolio and start making smarter investment decisions today!Resources:Canadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.By hopping on a discovery call with Kyle, he will review your specific personal and corporate financial situation in order to determine if there are some quick wins available for you to minimize taxes personally or corporately, provide ideas for how you can increase your personal cash flow, and ensure that the net worth of your estate continues to grow in tandem.On the Canadian Wealth Secrets Podcast, we routinely discuss Canadian investment portfolios, rates of return, Canadian real estate, incorporated business owners, corporate wealth management, participating whole life insurance, infinite banking, bank on yourself and much more!Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Have you ever wondered how top real estate professionals turn market challenges into wealth-building opportunities?In today's fluctuating real estate market, many investors face uncertainty about making profitable decisions. High costs, market volatility, and the fear of making the wrong move can be daunting. This episode dives into strategies used by seasoned real estate experts from the podcast The Canadian Real Estate Show T.K. Butler and Darryl Frankfort, who share their insights on overcoming these challenges. Darryl and TK discuss the importance of education, perseverance, and having a well-planned investment strategy, providing you with actionable advice to navigate the complexities of the real estate market.Tune in to our latest episode to uncover the wealth-building strategies of real estate experts and take your investment game to the next level!What you'll learn:Learn how to develop a well-planned real estate investment strategy that withstands market fluctuations.Discover the secrets of leveraging perseverance and thorough research to identify profitable investment opportunities.Gain insights into the importance of long-term thinking and trusting experienced professionals to make sound investment decisions.ResourcesCanadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.By hopping on a discovery call with Kyle, he will review your specific personal and corporate financial situation in order to determine if there are some quick wins available for you to minimize taxes personally or corporately, provide ideas for how you can increase your personal cash flow, and ensure that the net worth of your estate continues to grow in tandem.Discover how top real estate professionals turn market challenges into wealth-building opportunities. In this episode, T.K. Butler and Darryl Frankfort from The Canadian Real Estate Show share their real estate investment strategies, providing actionable advice on overcoming market volatility and making profitable real estate investments. Learn how to make money in real estate and build long-term wealth through well-planned strategies and perseverance. Tune in to uncover the secrets to successful real estate investing!Ready to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are you an incorporated business owner struggling to determine the best retirement investment vehicle for the profits you retain in your corporation each year while minimizing the overall tax burden?Incorporated business owners often face the challenge of effectively managing retained earnings while planning for retirement. Traditional strategies like Registered Retirement Savings Plans (RRSP) Investment Options and Individual Pension Plans (IPP) might not offer the best tax efficiency or flexibility, leaving you to slowly meltdown the funds to try and limit substantial taxes the entrepreneur must pay when accessing these funds in retirement. This episode of the Canadian Wealth Secrets podcast dives into innovative approaches that can help you grow your wealth within your corporation to provide the most flexibility and access to funds while strengthening your long-term Canadian retirement financial security.Imagine having a strategy that not only shields your retained earnings from heavy taxation but also allows you to leverage those earnings for personal income and investment opportunities. By exploring the benefits of permanent life insurance policies such as participating whole life insurance, this episode provides insights into how you can use corporate dollars to create a tax-efficient and growth-oriented financial plan, ensuring you leave a lasting legacy while enjoying the Canadian retirement an RRSP or IPP simply cannot provide. What you'll learn:Learn how to convert retained earnings into a tax-efficient, growth-oriented financial tool to grow wealth during your capitalization years and financial security during retirement.Discover ways to leverage against corporate assets for personal income without heavy income tax burdens.Gain insights into creating a legacy and securing financial stability for future generations.Tune in now to unlock strategies that can transform your business earnings into lasting wealth and tax-free personal income!Resources:Canadian Wealth Secrets Show Notes PageCalling All Canadian Incorporated Business Owners & Investors:Consider booking a discovery call with Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.This episode helps entrepreneurs and incorporated business owners to determine where they should be investing their retained earnings - inside the corporation or outside - in order to accumulate a high net worth over time and a low Canadian income tax stream of retirement income later. We will explore Registered Retirement Savings Plans (RRSP), Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Are your retained earnings trapped inside your corporate structure? Wondering how you can jailbreak your retained earnings without gifting 50% of your net operating income to the Canadian Revenue Agency?In this episode of the Canadian Wealth Secrets podcast, we delve into the intricate world of corporate tax planning strategies and how savvy business owners can optimize their retained earnings and investments while navigating the increase in capital gains inclusion rate and utilizing tax efficient structures.This episode addresses the pressing issue of how business owners can maximize their retained earnings within a corporation while planning for retirement. With personal income taxes and capital gains posing significant hurdles, it's essential to explore innovative solutions, such as using corporate-owned life insurance policies and efficient investment strategies. This discussion aims to equip you with the knowledge to make informed decisions and secure your financial future.You'll learn: Tax Optimization Techniques: Learn how to minimize tax burdens and efficiently manage retained earnings through strategic use of corporate structures and permanent life insurance policies.Investment Insights: Discover the pros and cons of different investment strategies tailored for business owners, including how to balance active and passive income within a corporate framework.Leveraging Corporate Assets: Understand how to use corporate assets as collateral for loans, enhancing compliance and efficiency in your financial planning.Unlock the secrets to smarter corporate tax planning and investment strategies by listening to this episode now!ResourcesCanadian Wealth Secrets Show Notes PageConsider booking a call with Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.By hopping on a discovery call with Kyle, he will review your specific personal and corporate financial situation in order to determine if there are some quick wins available for you to minimize taxes personally or corporately, provide ideas for how you can increase your personal cash flow, and ensure that the net worth of your estate continues to grow in tandem.This episode helps entrepreneurs and incorporated business owners to determine where they should be investing their retained earnings - inside the corporation or outside - in ordeReady to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Is your old whole life insurance policy still worth keeping for borrowing to buy assets, for infinite banking, retirement income or is it time to cancel?In this Secret Sauce episode of Canadian Wealth Secrets, we dive into a common challenge faced by many permanent insurance policyholders: understanding the true value and potential of older, low-cash value participating whole life insurance policies. We explore a real-life case study where a couple questions the benefit of maintaining a whole life insurance policy purchased decades ago. As Canadian financial landscapes shift, many find themselves re-evaluating past financial decisions to ensure they are still aligned with their current Canadian investment goals and needs.Whether you're looking to optimize your savings and investments here in Canada or considering a shift in your financial strategy to incorporate leverage investment strategies such as Infinite Banking, this episode provides valuable insights. By examining the specifics of one couple's permanent insurance policy and the options available to them, you'll gain a deeper understanding of the nuances involved in making informed decisions about your own financial tools for building your wealth, retirement income or just to know you're maximizing your investment returns.What you'll learn: Learn how to evaluate the current value of your old whole life insurance policy.Discover strategies for reallocating funds from outdated policies to more beneficial investments or tools for infinite banking like strategies or reinvestment.Gain expert insights into the key infinite banking strategies that will allow you to leverage the cash value in your whole life insurance policy to optimize your investments and financial portfolio for better returns.Listen to this episode now to uncover the best strategies for maximizing your wealth and ensuring your financial decisions are still working in your favor!Resources: Canadian Wealth Secrets Show Notes PageCalling All Canadian Incorporated Business Owners & Investors:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.This episode focuses specifically on deciding whether your old whole life insurance policy is worth continuing to fund premiums into, offsetting and keeping, or cancelling to take the cash value and contribute to an over-funded, high early cash value participating whole life insurance policy that will allow you to use the most important strategies from the infinite banking concept to optimize your investments and supercharge the net worth of your Canadian investment portfolio.Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Helloooooo. I am so late on posting a podcast and I will explain why you haven't heard from me in a bit.This episode is essentially a 30 min look into my ADHD brain.Let's dive in!As always, you can find more here on Instagram @thefinancediaries and on TikTok @thefinancediaries

We have podcast host of A Canadian Investing in the US, Glen Sutherland, hey's a nice, sharing guy, a seasoned real estate investor, and he's here to share his own journey of how he ran into a wall investing in Ontario then pivoted to the USA in 2017 and never looked back.  Glen shares insights from his experience, including strategies for finding and managing properties, navigating different market conditions, and the importance of building a reliable team all from the comfort of his home near Waterloo, Ontario. He emphasizes the value of solving complex property issues, I emphasise complex as Glen is dealing with complicated deals in small towns not for the faint of heart. Me personally, I'm going for boring, Glen however is a full time investment with sufficient capital and he must like the excitement.  We are totally on two different end of the risk tolerance spectrum which is totally ok. This is the truth about real estate investing podcast and there are various ways to invest in real estate. So with no further ado, I give you Glen Sutherland   Web: https://www.glensutherland.com/ Youtube: https://www.youtube.com/@acanadianinvestingintheusa

Are you ready for a rollercoaster ride through the world of real estate shenanigans? In this episode, we're diving deep into the nitty-gritty of real estate investing, where wisdom and mischief often walk hand in hand. Join us as we unveil secrets from a recent interview on Glen Sutherland's podcast, "A Canadian Investing in the USA." In this captivating segment, we explore the fascinating realms of "Subject 2" and "Seller Financing." These are the keys to unlocking the art of commandeering properties with barely a dime in your pocket. Yes, you heard that right – real estate glory without the need for a hefty cash stash. If you've ever dreamt of making it big in real estate but found your dreams limited by a minimal budget, this episode is tailor-made for you. We'll walk you through the strategies, tips, and tricks to acquire properties on a shoestring budget. So, what are you waiting for? Your journey into the arcane arts of real estate acquisition begins now. Hit that play button, and let's embark on an exciting adventure into the world of budget-friendly property acquisition. Your real estate dreams are just a click away! P.S. Whenever you're ready to go deeper and further with your real estate investing, looking into my partner program to help you get your first deal might be the move... take the first step here for free

We've moved! Head over to Canadian Mortgage Guide Here → https://wavve.link/canadianmortgageguide ***   In this episode, Brandon and Tom are joined by Glen Sutherland, a real estate investor and coach from Wellesley, Ontario, who's specialty is investing in the U.S. real estate market. Glen also has a podcast called "A Canadian Investing in the U.S.", which he's hosted since 2018.   Glen is here to discuss: → What led him to investing in the U.S. → What investment strategies he's been using. → And how you as a Canadian can get started in U.S. investing.   Glen Sutherland's Website: www.glensutherland.com Glen Sutherland's Email: glen@glensutherland.com Glen Sutherland's YouTube Channel: @ACanadianInvestingInTheUS Get tickets for the Canadians Investing in U.S. Multifamily Conference here: https://www.glensutherland.com/conference/   The Invested Entrepreneur YouTube Channel: @Tmoffat The Invested Entrepreneur Instagram: @invested.entrepreneur   Mortgage Inquiries: Book a call → www.chatwithtom.ca Email → experts@northshoregroup.ca

Curious about making smart investment choices and understanding the current economic climate in Canada? Tune in to this episode with David O'Leary, chartered financial analyst, wealth management expert, and the founder and principal of Kind Wealth. With a wealth of experience behind him and a commitment to independence and transparency, he'll take you through the intricacies of investing and financial planning. Listen in as David shares his insights on a range of topics, including the impact of inflation on investing among Canadians, changes in risk tolerance, and the links between investing and personal values. We also discuss the difference between financial planning and investment management, practical tips for successful self-directed investing, and how David overcame his own financial challenges. “There's no bravery without fear.” - David O'Leary This Week on Young Money: What a day in David's life looks like. The core themes and success factors in David's career journey so far. The financial challenge David faced and how he overcame it. How the rate of inflation has affected investing among Canadians. What risk tolerance is and how it has changed for Canadians with the rate of inflation. The links between investing and the values that people hold. Success tips for investing (including self-directed investing). The difference between financial planning and financial advising. Key takeaways: Learn from others. Don't fear fear. Be honest. Educate yourself.  Investing is simple but not easy. There is no shame with working with professionals. Connect with David O'Leary: Website Kind Wealth LinkedIn Twitter Instagram Connect with Wealth Rocket: Website Twitter Instagram LinkedIn Rate, Share & Inspire Other Young Millionaires-in-the-Making  Thanks for tuning into the Young Money Podcast - the advice show for young millionaires-in-the-making! If you enjoyed this week's episode, head over to Apple Podcasts and leave us a rating and review. Visit our website to learn how easy it is to leave a review on Apple Podcasts. Don't forget to share your favorite episodes on social media!  Follow the Young Money Podcast on iTunes so you never miss an episode and reach out to us on Facebook, Twitter, LinkedIn, our LinkedIn Company Page, or by visiting our website.

Sign up for Charging and Fearless today and receive a new stock pitch in your inbox every week. This service is absolutely free and draws on MyWallSt's expert analyst team to deliver new and exciting investment opportunities from all over the world. Sign up here. Today we have a great interview with Braden Dennis, the founder of Stratosphere.io and FinChat.io. He is also the host of the number one business podcast in Canada: The Canadian Investor. We talk his career to date, how AI can help retail investors, and he gives us an insight into the Canadian investing landscape. Hosted on Acast. See acast.com/privacy for more information.

You can purchase Lauren's book “Finding Your Silver Lining in the Business Immigration Process: An Insightful Guide to Immigrant & Non-Immigrant Business Visas” here- http://bit.ly/silverliningimm Connect with Lauren Cohen:Website: https://ecouncilinc.com/goglobal/Facebook: www.facebook.com/ecouncilincYouTube: http://bit.ly/YT-LaurenesqLinkedIn: www.linkedin.com/in/ecouncilincInstagram: https://www.instagram.com/lauren_cohen_esq/Email: founder@ecouncilglobal.com

Our guest today is at that intersection of public and private partnerships here in Ontario, Canada. Brenda Hogan is the CIO of Venture Ontario, a $205M joint initiative between the Government of Ontario and leading institutional investors to invest primarily in Ontario-based and focused venture capital and growth equity funds that support innovative and high-growth companies. About Brenda HoganBrenda M. Hogan is the Chief Investment Officer at the Ontario Capital Growth Corporation (OCGC) and has over 15 years of experience in strategy and execution in venture capital at the co-investment, fund of funds, and fund level investing.Brenda has held senior roles in corporate development, finance, and strategic investing with Bell Canada, EY, the Business Development Bank of Canada, and a software start-up. Brenda sits on the Board of the Canadian Venture Capital Association and Chairs the Membership Committee; served as Co-Chair of Canadian Women in Private Equity (CWPE); serves with the Institutional Limited Partners Association (ILPA) as a member of the Content Committee; and served three terms on the Board of Women in Capital Markets, serving as Chair of the Governance Committee. She also served on the Board of Governors at Dalhousie University and Chaired the Finance, Audit, Investment, and Risk Committee. Brenda holds an MBA in finance.A word from our sponsor:At Ripple, we manage all of our fund expenses and employee credit cards using Jeeves. The team at Jeeves helped get me and my team setup with physical and virtual credit cards in days. I was able to allow my teammates to expense items in multiple currencies allowing them to pay for anything, anywhere at anytime. We weren't asked for any personal guarantees or to pay any setup or monthly SaaS fees.Not only does Jeeves save us time, but they also give us cash back on our purchases including expenses like Google, Facebook, or AWS every month. New users can earn up to 3% cashback for their first 90 days.The best part is Jeeves puts up the cash, and you settle up once every 30 days in any currency you want, unlike some other corporate card companies that make you pre-pay every month. Jeeves also recently launched its Jeeves Growth and Working Capital initiative for startups and fast-growing companies to enable more financial freedom for companies. The best thing of all is that Jeeves is live in  24 countries including Canada, US and many other countries around the world.Jeeves truly offers the best all-in-one expense management corporate card program for all startups especially the ones at Ripple and we at Tank Talks could not be more excited to officially partner with them. Listeners of Tank Talks can get set up with a demo of Jeeves today and take advantage of our Tank Talks special with a‍ $250 statement credit after the first $2,500 in spend or a $500 statement credit after the first $5000 in spend. Lastly, all Jeeves cardholders receive access to their Lounge Pass program and access to over 1300 airports globally.Visit tryjeeves.com/tanktalks to learn more.In this episode we discuss:03:00 Brenda's journey to becoming an LP04:59 What it was like navigating corporate culture at one of the oldest companies in North America06:29 What Venture Ontario is and how it works08:02 How Venture Ontario Sources it's deals11:39 Working with emerging managers with limited track record12:30 What makes a good fund manager15:16 Red flags from managers to LPs18:20 Positive signals managers can send to prospective LPs20:49 How Brenda focuses on becoming a better LP and adding value23:54 Investing in 202226:04 The Canadian Investing scene27:57 Risks and rewards she is underwriting for in 202232:23 Investment categories Brenda is excited about33:54 Strategies to mitigate risk in new commitments36:04 Best career advice she's recievedFast Favorites*

Canadian companies will start reporting their earnings! This week, I'll take a look at CNR, CNP, TFII and ARE!

When you plan for retirement, the expected return of your portfolio will play a major role. Selecting the right expected return is crucial for your financial plan. Find out how much you should expect if you are a conservative, balanced or growth investor.

You are young, you have money, where should you invest? In an RRSP account and get some of your taxes back or in a tax-free account (TFSA) with no deduction?

Do you have money on the sideline and you are waiting for the perfect moment to invest? Here's a trick to catch most of the bottom each time.

Down markets are dangerous. Withdrawing money during downturns depletes your portfolio quickly. Regardless if you are in your accumulation phase or retired already, you must have a game plan. I discuss how to build one in detail.

2022 hasn't been the year we wanted as investors. Today, we start the show with the state of the market, what is going on and how it affects your portfolio.

The Moose on the Loose is a 10-minute daily show from Monday to Friday. We cover Canadian financial topics such as investing, strategies, economics, stock research, and from time to time, entrepreneurship thoughts. Please take a second to rate this show on your podcast platform. Cheers,  Mike

Glen Sutherland is a real estate investor from Ontario, Canada. His journey in investing began with purchasing 'buy-and-hold' rental properties locally but, after much research, he discovered there were more favourable laws, lower taxes, and lower entry costs south of the border. Currently, Glen is investing in the USA by purchasing and renovating projects. He is also the host of “A Canadian Investing in the US”,  a podcast and YouTube channel offering information and advice for investors seeking to invest in Canada and the US. He is also a co-host of the podcast Advanced Real Estate Investing Talk. Glen has invested in both USA and Canada and understands the advantages of investing cross-border to achieve higher ROI on his investments. Having invested in both USA and Canada, Glen understands the advantages of investing cross-border to achieve higher ROI. In this special episode of the Savvy REI Show Jose and Khadija will have an insightful conversation with Glen about his journey to success in the real estate space and the advantages of investing in the US. Glen will share five reasons that made him decide to invest in the US and will also talk about how he selects the places where he is going to invest. You will find out what are the advantages and disadvantages of landing properties. You will also learn what are the types of properties that Glen buys and what are his main strategies. Glenn will also talk about the whole process of renovating and rehabbing properties and will share his vision and goals for the future Listen now and enjoy! What You'll Learn in this Show: A little bit about Glen's background and his real estate journey Five reasons that made Glen decide to invest in the US What types of properties does Glen buy and what are his strategies? How does Glenn manage the whole process of renovating and rehabbing properties? Glen's secret to being able to work only two days a week  And so much more... Resources: https://www.glensutherland.com (Glensutherland.com)  https://podcasts.apple.com/ca/podcast/a-canadian-investing-in-the-u-s-with-glen-sutherland/id1339243038 (A Canadian Investing in the US Podcast) https://podcasts.apple.com/us/podcast/advanced-real-estate-investing-talk/id1550401400 (Advanced Real Estate Investing Talk Podcast) Book:  https://www.amazon.com/Who-Not-How-Accelerating-Teamwork-ebook/dp/B0867ZJ151 (Who Not How: The Formula to Achieve Bigger Goals Through Accelerating Teamwork)

Pros and Cons of being a Canadian Investor in the US Market Glen Sutherland is a real estate investor from Wellesley, ON (outside of Waterloo) where he lives with his wife and two terrific children. He started his investing journey by purchasing 'buy and hold' rental real estate locally. After a lot of research, he learned of more favourable laws, lower property taxes, and lower cost of entry south of the border. These factors make for greater ease of wealth creation. These days, Glen is investing in the US by buying, renovating, refinancing to grow his rental real estate portfolio. He also hosts the Podcast and YouTube channel entitled, "A Canadian Investing in the US", where he provides information and advice to investors interested in investing in both Canada and the US. He enjoys the privilege of sharing his knowledge with others. How to reach Glen Sutherland: YouTube = https://www.youtube.com/channel/UC6ziyJJ3qwd_lG9riF-5BhQ Facebook = https://www.facebook.com/glen.sutherland.18 LinkedIn = https://www.linkedin.com/in/glen-sutherland-557bb390/ Website = https://www.glensutherland.com/ Email = glen@glensutherland.com Receive GTA Off-Market Deals & Passive Small to Mid-Size Apartments Deals Across Canada Right Now! Click Here to Sign Up absolutely FREE: https://pages.watsonestates.ca/ Find Us: www.linktr.ee/WatsonEstates This is not advice, just our analysis of the market. If you enjoyed the video consider subscribing. We always love to hear feedback and comments. Tell us what you think!