Podcasts about cra

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Latest podcast episodes about cra

Business is Good with Chris Cooper
106: Fixing Our Tax System

Business is Good with Chris Cooper

Play Episode Listen Later Nov 1, 2025 18:50


Canada's tax problem isn't just slow phones at the CRA—it's a century of bolt-on rules that made filing confusing, subjective, and expensive to administer. A new review found CRA contact centres gave accurate answers only 17% of the time during the 2025 tax season window, echoing long-standing issues flagged by earlier audits (including millions of dropped and blocked calls). This complicated tax system creates unnecessary bureaucracy, wasted money, unpaid taxes, and a subjective audit process that means you can pay more (or less) taxes depending on how well your auditor slept the night before.Hiring more agents won't fix a tax law that's impossible to interpret. Simpler rules will. In this episode, I sketch a path to simpler, fairer, faster taxes. First, a quick history lesson on why we have income taxes, and how they became a Frankenstein's monster of laws that no one can understand. This will show us that the problem is getting worse, and will keep getting worse until we have a major system overhaul. Then I'll get into solutions.I explore proven options from abroad:Pre-populated / return-free filing (pioneered by Denmark; now used in most OECD countries) to slash time, phone calls, and errors—already being piloted in Quebec for simple returns. Flatter, broader bases with minimal carve-outs (think Estonia's ultra-simple system) and NZ's broad-base/low-rate GST—models that raise revenue with less friction. Withholding-as-final for straightforward T4 earners, so most people don't file at all unless their situation is complex—borrowing design cues from the Nordics. Look, nobody wants to talk about tax until they have to. But when they do - and they have to every year - they hate everything about our tax system. It creates unnecessary frustration and anger. Nobody wants to deal with the CRA, and nobody wants to work for the CRA either. Why would they?Many people who don't pay taxes do it out of frustration - they just give up. They're not evil; they're just overwhelmed. Tax filings have become a game.I'm not anti-tax; I'm anti-waste. My companies happily pay millions of dollars in corporate taxes annually. Its employees add another 1M in income taxes to our society, and you can add HST on top of all of it. What I want is less money burned collecting taxes and more money spent on services. If Canadians want better healthcare, safer streets, and a clearer deal with citizens, we should push for tax simplification, not just bigger call centres.Sources:CRA call centres: 17% accuracy (Feb–May 2025); prior audits on access/accuracy. Investment Executive+1Canada's income tax history (1917 “temporary” tax). The Canadian EncyclopediaProvincial/territorial corporate tax—CRA administers most; exceptions Quebec & Alberta. Canada.caPre-populated returns (Denmark origin; 28 OECD countries). Tax Policy CenterQuebec simplified / pre-filled return pilot (2025 filing for 2024 year).

The Andrew Carter Podcast
What can be done to improve shortfalls with the CRA's call centres?

The Andrew Carter Podcast

Play Episode Listen Later Oct 30, 2025 4:47


A scathing new report from Auditor General, Karen Hogan finds CRA contact centres are failing to answer calls on time, and when they do, nearly half the time the information given is wrong. Geneviève Mottard, President and CEO of CPA Québec, spoke to Andrew Carter.

Fall Obsession Podcast
Ep. 256 "Ambler Road" with Sam Thrash

Fall Obsession Podcast

Play Episode Listen Later Oct 27, 2025 47:42


You may have heard of it, "Ambler Road"; the 211-mile roadway authorized via Presidential Executive Order to run through Alaska's Brooks Range.  Meanwhile, Congress has used the congressional review act (CRA) to overturn the BLM's resource management plans in Montana, North Dakota and Alaska, putting over 160 million acres at risk.  And don't forget about Utah Senator Mike Lee's latest attempt to defile the current wilderness act.  These are the main topics Sam brings to our attention in this episode.  Our government is seemingly overreaching and not listening to science-based wildlife management and conservation and it is up to you, the hunter, the American and the voter to address it.  Don't skip over this one, because much has transpired since we last spoke.  Fall Obsession Podcast is sponsored by:Hoot Camo Company (https://hootcamo.com/)Bear River Archery (https://www.bearriverarchery.com/)Trophy Edits (https://trophyedits.com/?ref=fallobsession)The Outdoor Call Radio App (https://www.theoutdoorcallradio.com/)

Canadian Common Sense
Episode 385 - The Conservative Evolution

Canadian Common Sense

Play Episode Listen Later Oct 26, 2025 140:36


Email us at cdncomsense@gmail.com While Pierre Poilievre might not be taking all of our advice on how to present himself to Canadians, his latest video release show that at least he remembers what works for him. Perhaps a little bad press has given him a dose of reality. Let's hope BC Conservative Leader John Rustad takes note. Are you one of the lucky 17% of callers to the CRA that gets good advice? Alberta is about to revolutionize health care, and more!

Canadian Wealth Secrets
Why Moving Abroad Could Cost You Six Figures in Exit Taxes

Canadian Wealth Secrets

Play Episode Listen Later Oct 25, 2025 20:27


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you a Canadian business owner trying to make sense of what it really means to build — or leave — wealth in Canada? Whether you've thought about packing up for a lower-tax destination or simply want to understand what happens if you ever did, this episode is for you.Leaving Canada isn't as simple as booking a flight south. The moment you cut tax residency ties, the CRA treats your assets as if you sold them all — and the exit bill can be staggering. But even if you plan to stay, understanding these rules can help you avoid the same traps when restructuring, reinvesting, or accessing retained earnings inside Canada.Through the story of Eric, a successful media entrepreneur weighing a U.S. move, we uncover how careful planning can turn a punishing exit into a strategic transition — and how the same principles can help any Canadian business owner build flexibility, control, and tax efficiency right here at home.In this episode, you'll learn:How to minimize departure and dividend taxes with a gradual “slow drain” exit plan instead of a one-year financial hit.The smarter way to pay yourself — why the right mix of salary and dividends can lower both corporate and personal tax as you prepare to leave.Which assets to hold or liquidate — from whole life insurance and TFSAs to real estate — and how to structure your holdings for cross-border peace of mind.Before you make any big move, hit play now — and discover how to plan your exit (or decide to stay) without letting the tax tail wag your financial future.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Building lasting wealth as a Canadian business owner requires more than hard work—it demands a clear financReady 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.

HousingWire Daily
Matt VanFossen on the new sheriffs in town: state regulators

HousingWire Daily

Play Episode Listen Later Oct 23, 2025 21:46


On today's episode, Editor in Chief Sarah Wheeler talks with Matt VanFossen, CEO of Absolute Home Mortgage and the chair of the MBA's state legislative regulatory committee, about new and pending state regulations on AI, CRA and zombie mortgages. Related to this episode: Matthew VanFossen ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

ON Point with Alex Pierson
Lost Track and No Accountability: Tom Korski on Ottawa's Systemic Failures

ON Point with Alex Pierson

Play Episode Listen Later Oct 23, 2025 10:47


Blacklock's Reporter's Tom Korski joins Alex Pierson to unpack the federal government's latest display of dysfunction—from 30,000 deportees with no known address to the Canada Border Services Agency losing track of its own firearms. Korski points to a culture of complacency and political distraction, where senior bureaucrats face no consequences and cabinet ministers seem more interested in photo ops than public administration. The two also discuss the troubling proposal to single out Israeli visitors for “war crime” screening and why chronic mismanagement across agencies like CRA and CBSA exposes how broken Ottawa's systems have become. Learn more about your ad choices. Visit megaphone.fm/adchoices

Canadian Wealth Secrets
The Ultimate Canadian Guide To The Smith Maneuver

Canadian Wealth Secrets

Play Episode Listen Later Oct 22, 2025 10:02


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if your mortgage could actually build your wealth instead of just draining your bank account every month?Most Canadians think of debt as something to eliminate—not something to harness. But what if the real key to long-term financial freedom isn't being debt-free, but using good debt strategically? In this episode, Jon Orr breaks down the Smith Maneuver, a powerful yet misunderstood Canadian wealth strategy that transforms your mortgage into a tax-deductible, wealth-generating engine. You'll uncover why “bad debt vs. good debt” is more than just theory—and how shifting your mindset about debt could unlock massive financial growth.You'll discover:How the Smith Maneuver really works—and how to implement it safely within your personal or corporate wealth plan.The truth about risk and why disciplined planning makes this strategy one of the most tax-efficient tools available to Canadians.How to pair it with other advanced wealth strategies like cash damming and corporate-owned life insurance to create liquidity, flexibility, and legacy wealth.Ready to make your money work harder than you do? Hit play now and learn how to turn your mortgage into a lifelong wealth engine.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Achieving financial freedom in Canada starts with a strategic approach that blends tax efficiency, smart investing, and long-term vision. Canadian business owners and entrepreneurs can unlock powerful wealth strategies through tools like the Smith Maneuver, corporate planning, and life insurance leverage to turn good debt into productive assets. By integrating cash damming, salary vs. dividends optimization, and corporate wealth planning, professioReady 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.

Mornings with Simi
Full Show: Housing plans voted down, Passing a budget & the CRA is terrible

Mornings with Simi

Play Episode Listen Later Oct 22, 2025 43:13


City of Vancouver Rental Housing plan gets voted down Guest: Lisa Dominato, ABC Vancouver City Councillor If the budget doesn't pass, could there be an election? Guest: Genevieve Tellier, Professor at the School of Political Studies at the University of Ottawa and Treasurer of the Canadian Study of Parliament Group Why is the CRA so terrible at doing its job? Guest: Vern Kirshna, Professor of Common Law at the University of Ottawa, and widely recognized national tax expert Canada Lagging behind other nations in healthcare needs Guest: Nadeem Esmail, the Fraser Institute's health policy director North Vancouver is giving away free trees Guest: Erika Nassichuk, North Vancouver environmental protection officer Learn more about your ad choices. Visit megaphone.fm/adchoices

CTV National News with Lisa LaFlamme
CTV National News for Tuesday, Oct. 21: Blue Jays' Game 7 win expected to boost Toronto tourism

CTV National News with Lisa LaFlamme

Play Episode Listen Later Oct 22, 2025 23:37


The Blue Jays’ World Series run is boosting local businesses and Toronto’s tourism scene; The AG found the CRA provides accurate information to individual taxpayer only 17 per cent of time.

The Vassy Kapelos Show
Prime Minister Carney to outline budget priorities tonight

The Vassy Kapelos Show

Play Episode Listen Later Oct 22, 2025 78:08


Tim Powers fills in for Vassy Kapelos, as Prime Minister Carney plans to outline his government's vision for the 2025 Federal Budget tonight. On today's show: Karen Hogan, Canada's Auditor General, shares details of her new reports on the CRA and the Canadian Armed Forces. Ret. General Tom Lawson, Canada's former Chief of Defense Staff, discusses issues with military housing and recruitment. TSN contributor Domenic Padula joins Tim for this week's Explainer: What do the Blue Jays have to do to win the World Series? The Daily Debrief Panel - featuring Sabrina Grover, Stephanie Levitz, and Jeff Rutledge. Kurt Niquidet, the President of the B.C. Lumber Trade Council, on the industry's efforts to get more assistance from Ottawa for their Forestry sector. Alex Marland, a Political Science Professor at Acadia University, discusses the tensions between Quebec and the brand-new Newfoundland and Labrador government over the Churchill Falls MOU.

Early Breakfast with Abongile Nzelenzele
DA proposes the Economic Inclusion for All Bill to Replace BBBEE

Early Breakfast with Abongile Nzelenzele

Play Episode Listen Later Oct 21, 2025 6:46 Transcription Available


Africa Melane speaks to Ofentse Donald Davhie, Research Associate at the Centre for Risk Analysis, about the DA’s proposed Economic Inclusion for All Bill, a plan to replace BEE with a poverty-based empowerment model. Supporters call it a fair, transparent alternative that targets real disadvantage. Critics argue it risks undoing decades of race-based redress and overlooks South Africa’s structural inequalities. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from Early Breakfast with Africa Melane For more about the show click https://buff.ly/XHry7eQ and find all the catch-up podcasts here https://buff.ly/XJ10LBU Listen live on weekdays between 04:00 and 06:00 (SA Time) to the Early Breakfast with Africa Melane broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3N Subscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

The Vassy Kapelos Show
A possible snap election?

The Vassy Kapelos Show

Play Episode Listen Later Oct 21, 2025 78:09


Steve MacKinnon, Canada's Government House Leader, says he's worried by comments from opposition leaders about the 2025 Budget confidence vote. On today's show: For the first time since 1993, the Toronto Blue Jays are headed to the World Series. Prime Minister Carney is staying mum on rumors of a tariff deal ahead of the upcoming APEC Summit. BMO Chief Economist Doug Porter reacts to the latest inflation report, and what it means for the Canadian economy. Tech Check with Carmi Levy: A weekly deep dive into the top Tech stories. The Daily Debrief Panel - featuring Nojoud Al Mallees, Sharan Kaur, and Jamie Ellerton. Vassy speaks with Canadian author Louise Penny, who has canceled the U.S. leg of her new book tour because of the ongoing trade war. The Auditor General has release scathing new reports on service at the CRA, as well as military recruitment and housing.

Canadian Wealth Secrets
The Pass-Through Structure: How to Grow Corporate Wealth in Canada

Canadian Wealth Secrets

Play Episode Listen Later Oct 17, 2025 14:38


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if you could pull money out of your Canadian corporation, grow your wealth, and dramatically reduce taxes—all at the same time?Most successful incorporated business owners in Canada face the same dilemma: profits are trapped inside the company, and pulling them out personally triggers massive tax hits. Many try to invest retained earnings directly or park them in GICs, but those strategies only delay or worsen the tax burden. In this episode, Kyle reveals a powerful “pass-through” structure that lets your money work in two places at once—while building in long-term protection and flexibility that traditional strategies miss entirely.You'll discover:How to use a corporate-owned permanent insurance policy to grow retained earnings tax-free like a GIC—but with far greater upside.A strategy to leverage your policy to invest in real estate, ETFs, or private placements—so your dollars generate returns in two places simultaneously.A way to unlock tax-free capital for yourself and your heirs, transforming a typical tax liability into a wealth-building advantage.Press play to learn how to turn your corporation's retained earnings into a dynamic, tax-efficient wealth engine.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Canadian business owners face complex tax challenges as they strive to build lasting wealth through their corporations. By using pass-through structures, optimizing retained earnings, and integrating insurance policies with smart financial planning, entrepreneurs can create a powerful foundation for corporate wealth planning and financial independence in Canada. A well-designed Canadian wealth plan blends tax-efficient investing, RRSP optimization, and salReady 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.

Redeye
CRA unable to justify why it targeted Muslim charities for audits: report

Redeye

Play Episode Listen Later Oct 16, 2025 12:41


A newly released report from a national security watchdog confirms what Islamic charities and civil liberties advocates have long argued: that the Canada Revenue Agency's approach to countering terrorist financing is deeply flawed. The report from the National Security and Intelligence Review Agency was triggered by years of allegations that the CRA's Review and Analysis Division unfairly targets Islamic charities due to bias and Islamophobia. Steven Zhou is Media and Communication Lead with the National Council of Canadian Muslims.

Proactive - Interviews for investors
CRA CEO says Prague Gateway DC support's Cordiant Digital Infrastructure's strategy

Proactive - Interviews for investors

Play Episode Listen Later Oct 16, 2025 6:29


CRA chief executive Miloš Mastnik talked with Proactive's Stephen Gunnion about the development of Prague Gateway DC, a new large-scale data centre project in the Czech Republic. Mastnik explained that the facility will be unique in the region, offering a size and capacity unmatched within a 450km radius of Prague, with the nearest comparable facility located in Frankfurt. The Prague Gateway DC will have a capacity of 26MW and space for over 2,000 racks. Mastnik said: “It's a unique construction in this region. As I said, there's nothing like that that can be compared to this size.” He added that the project addresses rising demand for large-scale data capacity, which until now had been unmet in the Czech Republic and surrounding markets. The chief executive confirmed that construction has already begun following the granting of zoning and building permits, with ground-breaking recently celebrated alongside the Minister of Industry and Trade. He noted that demand for secure, well-connected, and power-resilient facilities is rising across Central and Eastern Europe, reflecting the same drivers seen globally. Mastnik highlighted how the Prague Gateway DC supports CRA's wider infrastructure strategy under Cordiant Digital Infrastructure Ltd (LSE:CORD), while also linking to the AI Gigafactory initiative in Europe. He added that CRA has already started providing GPU-as-a-service, underscoring its focus on AI and next-generation technologies. To see what Prague Gateway DC will look like in the future, click on this link: https://www.praguegateway.com For more videos from Proactive, don't forget to give this video a like, subscribe to the channel, and enable notifications for future updates. #CRA #DataCenters #PragueGatewayDC #DigitalInfrastructure #MilošMastnik #Cordiant #AIGigafactory #CzechRepublic #CloudComputing #ProactiveInvestors

Canadian Wealth Secrets
The 3 Lessons Every Canadian Business Owner Needs to Build Wealth Inside Their Corporation

Canadian Wealth Secrets

Play Episode Listen Later Oct 15, 2025 7:25


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if the cash sitting in your holding company could quietly become your biggest wealth-building engine?Many Canadian entrepreneurs reach a point where income isn't the problem—efficiency is. You've got multiple corporations, strong cash flow, and significant retained earnings. Yet, that idle capital is being eroded by inflation, taxed on interest, and doing little to move you closer to long-term freedom. This episode dives into how Toronto business owner Raj turned his stagnant corporate cash into a tax-efficient, growth-focused asset that now powers both his business and personal legacy.You'll discover:Why your corporate structure determines your wealth-building potential—and how to align it for maximum advantage.How to turn excess liquidity into a compounding, accessible asset through corporate-owned insurance.What integration really means—linking your shareholder agreements, succession plans, and wealth strategy so every dollar has a purpose.Press play now to learn how to transform your corporate cash into a flexible, tax-advantaged wealth reservoir that fuels your business and secures your future.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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 the Canadian entrepreneur ready to take control of their financial future, strategic corporate cash management is the cornerstone of true wealth building. Through thoughtful financial planning and corporate wealth strategies, business owners can transform retained earnings into tax-efficient growth engines that fund financial independence in Canada. Whether it's using insurance for liquidity, balancing salary vs. dividends, or leveraging RRSP optimization and capital gains strategies, every dollar can serve a defined 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.

The Hunting Stories Podcast
The Hunting Stories Podcast: The Hunters Brief October 10th, 2025

The Hunting Stories Podcast

Play Episode Listen Later Oct 10, 2025 15:53


Show Notes (Click for Sources) Congressional Review Act vote overturning North Dakota BLM plan (Congress.gov) Miles City, Montana RMP repeal vote (Congress.gov) NWF analysis of the CRA and BLM RMPs Outdoor Life coverage of Senator Mike Lee's Border Lands bill Southern Utah Wilderness Alliance statement on S.2967 Alaska Beacon report on Ambler Road permit restoration Times Observer: Pennsylvania opens forest roads and Sunday hunting 101.5 The Hawk: Nova Scotia deer management and hunting season changes Heart of the Rockies Radio: CPW investigating moose poaching Denver 7: Reward offered in Las Animas County elk poaching case TPWD waterfowl season outlook TPWD Pollinator BioBlitz announcement The Guardian: Illegal gold rush in the Peruvian Amazon EurekAlert: Farmed totoaba could curb poaching EurekAlert: DNA barcoding fills gaps in conservation databases @HuntingStoriesPodcast⁠⁠⁠ ⁠⁠⁠Want to be a guest?⁠⁠⁠ ⁠⁠⁠Hunting Stories Website⁠⁠⁠ Sponsors: ⁠⁠⁠⁠⁠⁠⁠Vortex Optics⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Ignite Marketing Group Learn more about your ad choices. Visit megaphone.fm/adchoices

Canadian Wealth Secrets
I'm Earning Six Figures… So Why Don't I Feel Wealthy?

Canadian Wealth Secrets

Play Episode Listen Later Oct 10, 2025 18:02


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if you're earning over $300K a year, saving diligently, and still feel like your wealth plan isn't enough?That's exactly where Roman found himself — solid income, strong net worth, and a nearly paid-off home, yet constant doubt about whether he's truly on track for financial freedom. If you've ever wondered whether you're missing something in your plan, or questioned if leverage could accelerate your journey, this episode is for you. Kyle Pearce breaks down how to think clearly about wealth-building beyond accumulation, how to prepare mentally for the decumulation years, and how to use (or avoid) leverage the smart way.You'll learn:Why high earners often feel financial uncertainty despite impressive balance sheets.How to model your future wealth with realistic returns so you know when “enough” is actually enough.A framework for using leverage confidently—without letting risk or emotion derail your strategy.Press play to discover how to turn your strong income and savings habits into a clear, confident path toward long-term financial freedom.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Building long-term wealth in Canada starts with a clear financial vision and a strategic approach to both personal and corporate planning. At Canadian Wealth Secrets, we help high-income earners and business owners design a Canadian wealth plan that balances financial freedom and risk management through tailored investment strategies, smart leverage, and optimized portfolio performance. From RRSP optimization and tax-efficient investing to corporate wealth planning, salary vs dividends decisions, and capital gains strategies, every move supports your path toward financial independence in CReady 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.

The Small Business School Podcast
Changing the Way You Think About the CRA

The Small Business School Podcast

Play Episode Listen Later Oct 9, 2025 13:31


Welcome back to Small Business School! This week, I'm diving into a hot take — your relationship with the CRA might actually say a lot about your relationship with money. Yep, I said it! After chatting with a client in the wealth management world, I realized how deeply our money mindset is tied to how we feel about Canada Revenue Agency. So, let's unpack that and shift the narrative from fear to empowerment when it comes to taxes and audits.Key topics covered:Why your reaction to a CRA letter might reveal your deeper money mindsetHow most CRA letters are computer-generated (not personal attacks!)The truth about CRA audits — and why they're not always a bad thingHow professionals can help you prepare and respond calmlyBuilding financial confidence so those brown envelopes don't send you into panic modeImagine what it would feel like to open a CRA letter without your heart racing — just peace and confidence. That's the energy we're working toward.Mentioned in this episode: Faire, the largest wholesale marketplace connecting over 120,000 brands and retailers. Staci shares how Faire helps shop owners source unique products, offers flexible 60-day payment terms, and gives brands global visibility without cold pitching—creating a true win-win for small business growth.Retailers who are new to Faire can visit www.faire.com and use code SMBSCHOOL10 at checkout for 10% off their first order.Staci's Links:Instagram. Website.The School for Small Business Podcast is a proud member of the Female Alliance Media. To learn more about Female Alliance Media and how they are elevating female voices or how they can support your show, visit femalealliancemedia.ca.Head over to my website https://www.stacimillard.com/ to grab your FREE copy of my Profit Playbook and receive 30 innovative ways you can add more profit to your business AND the first step towards implementing these ideas in your business!

Pet Sitter Confessional
637: Raising the Bar in Canada: Inside Canadian Pet Care Professionals

Pet Sitter Confessional

Play Episode Listen Later Oct 8, 2025 54:12


How do you professionalize an unregulated industry across a vast country? Erika Godwin and Morag Wilcox share why they launched Canadian Pet Care Professionals, a membership built by and for Canada's pet care providers. They explain the “Verified Pro” approach, Canada-specific education (HR, legal, CRA), and a public directory designed to build trust with pet parents. We discuss shifting the mindset from “pet care is a luxury” to “professional care is a necessity,” and why turning competitors into colleagues helps everyone win. The conversation closes with how in-person events and a shared code of ethics can elevate standards from coast to coast. Main topics: Why a Canada-first organization Verified Pro directory & badge HR, legal, CRA education Competitors into collaborative colleagues In-person events & advocacy Main takeaway: “If we work together to raise the standard in the industry, it's better for all of us.” — Morag This is the heartbeat of professional pet care in Canada. When we collaborate, share resources, and uphold clear standards, pet parents get safer, more consistent care—and our businesses grow stronger. Verified credentials and Canada-specific education help build real trust with clients. Let's replace turf wars with teamwork and make “professional” the norm from coast to coast. About our guests: Erika Godwin — Co-founder of Canadian Pet Care Professionals; long-time industry supporter on the tech and marketing side. She builds websites and growth systems for pet businesses and co-founded ProPet Software, serving kennels, daycare, grooming, and training operations. Morag Wilcox — Co-founder of Canadian Pet Care Professionals and owner of York Professional Pet Sitting & Dog Walking in Newmarket, Ontario. With 25 years in the field and a multi-person team, she champions education, safety, and raising standards across Canada's pet care industry. Links: https://petcareprocanada.ca https://www.facebook.com/petcareprocanada https://www.instagram.com/petcareprocanada Check out our Starter Packs See all of our discounts! Check out ProTrainings Code: CPR-petsitterconfessional for 10% off

Canadian Wealth Secrets
Smart Exit Planning: Protecting Your Wealth and Legacy With Karl Sigerist

Canadian Wealth Secrets

Play Episode Listen Later Oct 8, 2025 45:21


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you building your business for today's profits—or for tomorrow's payday when you exit?Many entrepreneurs pour years of energy into growth but overlook the steps that make a company truly saleable. Financial blind spots, owner dependency, or poor succession planning can strip millions from a deal—or sink it entirely. The truth is, preparing for a profitable exit starts years before you ever plan to sell. We sat down with Karl Sigerist from the Shaughessy Group in this masterclass to answer shed some light on these issues. Whether you're five years out or just starting to think about succession, the choices you make now directly impact your valuation, your tax outcome, and your legacy.In this episode, you'll discover:Why inadequate financial statements can slash your valuation—and how to fix them before it's too late.How to reduce “key person risk” so your business runs smoothly without you at the helm.Smart tax and structuring moves that protect your wealth and make your company more attractive to buyers.Press play now to learn how to prepare your business for a profitable exit and secure the reward your hard work deserves.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Building long-term wealth in Canada requires more than just growing a business—it means preparing for business succession with accurate financial records, compliance-ready systems, and a strong advisory team to maximize your business valuation and exit strategy. Many Canadian entrepreneurs face emotional attachment when planning a business sale, but with tax-efficient investing, RRSP optimization, and smart capital gains strategies, you can transform a saleable business into a cornerstone of your CanadReady 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.

The Real News Podcast
Nora Loreto's news headlines for Friday, October 3, 2025

The Real News Podcast

Play Episode Listen Later Oct 3, 2025 8:19


Canadian journalist Nora Loreto reads the latest headlines for Friday, October 3, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!WE'RE FINALISTS FOR THE PRESTIGIOUS SIGNAL AWARDS. HELP US WIN!Click here to vote!:https://vote.signalaward.com/PublicVoting#/2025/shows/genre/historyMichael Fox is also a finalist in the History Podcast category for his truly unique, rich, and inspirational weekly series Stories of Resistance------------Click here to vote for Marc Steiner!: https://vote.signalaward.com/PublicVoting#/2025/individual-episodes/cMarc Steiner is a finalist for Best Host of an Individual Episode 

Canadian Wealth Secrets
Holding Company Hype: What You're Not Being Told

Canadian Wealth Secrets

Play Episode Listen Later Oct 3, 2025 23:29


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereShould you really set up a holding company for tax savings—or could it actually cost you more in the long run?Many Canadians hear that incorporating is the golden ticket to tax efficiency and wealth building. But the truth is more nuanced. If you're a T4 employee or just starting your real estate journey, rushing into a corporate structure might create unnecessary fees, added complexity, and even higher taxes. The real challenge is knowing when incorporation makes sense and when it's better to stay personal with your investments. This episode unpacks the myths and realities so you don't fall into an expensive trap.By tuning in, you'll discover:Why transferring personal investments into a holding company can backfire tax-wise.The clear line between when to keep assets personal versus when a corporation truly adds value.How to build a strategy that creates a tax problem worth solving—rather than a structure that solves nothing.Press play now to learn how to spot the right time—and the wrong time—to incorporate on your path to financial freedom.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Building long-term wealth in Canada requires more than just saving—it's about investment optimization, tax-efficient investing, and making the right choices between personal vs corporate tax planning. Whether you're exploring holding companies, corporate structures, or real estate investing in Canada, a smart Canadian wealth plan aligns your financial vision setting with proven wealth building strategies. From RRSP optimization and navigating salary vs dividends in Canada to using retirement planning tools for an early retirement strategy, the key is balancing financial buckets for growth, proReady 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.

Canadian Wealth Secrets
How Whole Life Policies Unlock Liquidity and Growth for Business Owners

Canadian Wealth Secrets

Play Episode Listen Later Oct 1, 2025 23:42


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you letting too much of your business's hard-earned cash sit idle when it could be working for you in multiple ways?As a business owner, you know the importance of having liquidity—an emergency or opportunity fund you can access instantly. But parking that money in a savings account or GIC often feels wasteful, especially when inflation eats away at its value. The challenge is balancing peace of mind with real growth. That's where the idea of a “wealth reservoir” comes in: a structured way to protect cash, keep it liquid, and still put it to work building long-term wealth.In this episode, you'll discover:How a whole life insurance policy can serve as a corporate wealth reservoir, giving you both liquidity and steady growth.Practical strategies for deciding how much to contribute and how to scale as your retained earnings grow.The emotional and financial considerations for starting small—and why most successful business owners eventually build multiple reservoirs.Press play now to learn how to transform idle corporate cash into a powerful engine for security, opportunity, and long-term wealth.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Building a strong Canadian wealth plan starts with a clear financial vision setting process and the right mix of financial buckets to support both corporate finance and personal finance goals. By using a wealth reservoir—a strategy that leverages insurance policies to keep retained earnings liquid while still growing—you can create an emergency fund and opportunity fund that optimize cash flow. For the Canadian entrepreneur finance journey, this ties directly into corporate wealth planning, corporation investment strategies, and personal vReady 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.

The Fintech Factor
Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 3: Saying “Yes” to More Underserved Consumers

The Fintech Factor

Play Episode Listen Later Sep 30, 2025 41:22


Hello, and welcome back to Cash Flow Conversations, a new miniseries sponsored by Nova Credit. Episode 3 is my conversation with Matt Zalubowski, Chief Commercial Officer and Chief Marketing Officer at Atlanticus, a subprime lender focused on offering credit cards and personal loans.  The challenge in this market is finding more ways to fairly and responsibly say YES. Cash flow data is proving to be a natural fit, driving about a 15% lift on top of traditional bureau data while widening the credit box without adding risk (and giving consumers better terms and pricing that go beyond a simple yes/no decision). We dig into how Atlanticus uses cash flow data to bridge the gap between prime cards and payday-style products, why affiliates like MoneyLion help reduce friction in permissioning, and how cash flow data enables smarter line sizing and pricing. Plus, some early results! I learned a lot in this conversation, and I trust you will, too. Subscribe now to catch the rest of Cash Flow Conversations as it comes. This miniseries is brought to you by Nova Credit. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data.  The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics.  Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Matt: https://www.linkedin.com/in/mattzalubowski/ Learn more about Nova Credit here.

The Fintech Factor
FT x Nova Credit Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 4: The Cash Flow Bureau of the Future

The Fintech Factor

Play Episode Listen Later Sep 30, 2025 45:49


Hello, and thanks for joining us for the fourth and final episode of Cash Flow Conversations, a new miniseries sponsored by Nova Credit. In episode 4, I sit down with Chris Hansen, GM, Cash Atlas Solutions at Nova Credit.  Chris has probably thought more than anyone I know about how cash flow data is going to reshape the credit data and analytics ecosystem. Our conversation hinges on a big question: what could a credit bureau built around consumer-permissioned cash flow data look like? We dig into the three pillars of that vision (infrastructure for persistent access to on-us and off-us data, analytics that convert transaction streams into credit attributes and scores, and compliance that bridges FCRA requirements with Section 1033's consumer-permission rules). We also explore how consumer permissioning complicates lender workflows (while empowering consumers), the utility of real-time willingness to pay data across the lending lifecycle, and the opportunities cash flow data opens up far beyond underwriting… That's a wrap for Cash Flow Conversations! Thanks for listening; we hope you've enjoyed the journey as much as we have. This miniseries is brought to you by Nova Credit. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data.  The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics.  Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Chris: https://www.linkedin.com/in/chrishansen10/ Learn more about Nova Credit here.

MUNDO MILLOS
#SinLibreto - Episodio 104

MUNDO MILLOS

Play Episode Listen Later Sep 30, 2025 130:16


Desde las instalaciones de Working Class Pub, en la CRA 28 con Calle 53A, nos juntamos de forma presencial para, con unas buenas cervecitas, hablar de lo que más nos gusta en la vida: Millonarios FC.

Hot Topics in Kidney Health
How to Treat and Prevent Kidney Stones

Hot Topics in Kidney Health

Play Episode Listen Later Sep 26, 2025 35:49


Discover expert insights on kidney stone prevention and management in this podcast episode featuring a physician, dietitian, pharmacist, and patient. Learn about key kidney stone risk factors and explore how dietary adjustments can reduce stone recurrence. Experts discuss fluid intake strategies, medication considerations, surgical indications, and even unconventional questions about roller coasters' impact on stone passage. Tune in for actionable advice, myth-busting discussions, and interprofessional perspectives.   On today's episode we heard from: Melanie Betz, MS, RD, CSR, FNKF, FAND is a nationally recognized renal dietitian and the Founder & CEO of The Kidney Dietitian. She is a Certified Specialist in Renal Nutrition and a Fellow of both the National Kidney Foundation and the Academy of Nutrition & Dietetics. Melanie has published extensively on kidney stone prevention and nutrition, and has presented at numerous state, national, and international conferences on the topic. Through her clinical work, research, and educational outreach, she is dedicated to helping patients and professionals understand the critical role of diet in kidney health. Mark Garofoli, PharmD, MBA, BCGP, CPE, CTTS is a Clinical Associate Professor at West Virginia University School of Pharmacy and a Clinical Pain & Addiction Pharmacist. With expertise in pain management, substance use disorders, and geriatric care, he brings both clinical and personal perspectives to kidney stone discussions. Mark has shared his experience through the Pain Pod podcast, PAINWeek presentations, and a published article detailing his own kidney stone journey. Mary Raines, CRA is a retired clinical research associate with more than 30 years of experience in medical research. After learning she needed a kidney transplant, she dedicated herself to advocacy and now serves as a Patient Advocate with the National Kidney Foundation and other kidney health organizations. Mary brings both professional expertise and personal experience to her work, amplifying the voices and needs of people living with kidney disease. Andrew Rule, MD, MSc is a Professor of Medicine and Consultant Nephrologist at the Mayo Clinic in Rochester, Minnesota. He divides his time between clinical care, research, and education, with a particular focus on kidney stone disease and its link to chronic kidney disease. Dr. Rule has published extensively on the epidemiology of kidney stones and provides specialized care in the Mayo Clinic's nephrology stone clinic. Bryan Tucker, DO, MS, FASN is an Assistant Professor of Medicine in Nephrology at Baylor College of Medicine, where he serves as a clinician educator teaching medical students, residents, and fellows while caring for patients in both inpatient and outpatient settings. He holds a master's degree in nutrition from Columbia University and completed his nephrology fellowship at Yale. A Fellow of the American Society of Nephrology, Dr. Tucker has authored numerous peer-reviewed publications and book chapters and is an active contributor to The Kidney Commute podcast.   Additional Resources: Kidney Stone Information Earn CME Credit Here Do you have comments, questions, or suggestions? Email us at NKFpodcast@kidney.org. Also, make sure to rate and review us wherever you listen to podcasts.  

Canadian Wealth Secrets
Wealth Analysis Paralysis: When Too Many Wealth Options Hold You Back

Canadian Wealth Secrets

Play Episode Listen Later Sep 26, 2025 27:37


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you doing “all the right things” financially, yet still wondering if it's enough—or what to do next?That's exactly where Victoria, a 40-year-old dentist, finds herself. She's saving aggressively, investing smartly, and has multiple wealth-building strategies in place—yet she's stuck in the fog of decision-making. Should she buy another property, expand her business, or simply enjoy what she's built? If you've ever felt paralyzed by options, unsure of whether you're on track or what your future should really look like, this conversation will hit home. It digs deep into why financial “optimization” isn't enough unless you first know your true vision for life and retirement.In this episode, you'll discover:Why defining your lifestyle vision is the missing first step in any wealth plan.How to identify your financial “floor” so you can make confident decisions without fear.The hidden risks of analysis paralysis—and how to finally move forward with clarity.Press play now to learn how to align your money moves with the life you truly want.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Smart financial planning is about more than chasing returns—it's about aligning investment strategies with your life vision. In this case study, we explore how Canadian professionals can use corporate wealth planning, RRSP optimization, and tax-efficient investing to meet long-term financial goals. From real estate investing in Canada to deciding between salary vs dividends, the right mix of financial buckets creates a resilient wealth reservoir that supports both modest lifestyle wealth and ambitious early retirement strategies. With guidance from experienced financial advisors, entrepreneurs can 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.

The Fintech Factor
Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 1: How Do Credit Risk Executives Think About Cash Flow Data?

The Fintech Factor

Play Episode Listen Later Sep 26, 2025 35:55


Hello, and welcome to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit. If you've followed my work, you'll know that I'm obsessed with cash flow data (and underwriting more specifically). That's because it has enormous potential to positively reshape consumer lending in the U.S. As banks, credit unions, and fintechs move from theory to practice, this series will chronicle how cash flow data is being put to work across the lending lifecycle. Episode 1 sets the tone for the series, featuring a live panel I moderated at Nova Credit's Cash Flow Underwriting Summit earlier this month. Joining me are: Chris McCall, Head of Consumer Credit and Pricing at Citizens Bank Bill Garber, SVP, Credit Policy and Analytics at Navy Federal Credit Union Munish Pahwa, EVP and Chief Risk Officer at Sallie Mae We dig into how cash flow data stacks up against traditional credit data, what it means for lenders' models, how it changes the borrower experience, the guardrails around it — and why getting a clearer view of consumers' financial lives is vital in today's uncertain environment. Hope you enjoy the conversation as much as I enjoyed facilitating it! Subscribe now to catch the rest of Cash Flow Conversations as it comes. This miniseries is brought to you by Nova Credit. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data.  The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics.  Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Chris: https://www.linkedin.com/in/chris-mccall-732b6b Follow Bill: https://www.linkedin.com/in/bill-garber-611234191/ Follow Munish: https://www.linkedin.com/in/munish-pahwa-ph-d-2a563210/ Learn more about Nova Credit here.

The Fintech Factor
Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 2: Experimenting With (and Scaling Up the Use of) Cash Flow Data

The Fintech Factor

Play Episode Listen Later Sep 26, 2025 44:14


Hello, and welcome back to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit. We're exploring how cash flow data moves from theory (“this is intriguing”) to practice (“wow, that worked!”) across the consumer lending lifecycle.  It's risky to try something new; especially when said new thing has the potential to increase credit losses, add friction, or create compliance risk. So, how can we de-risk big change? And how can we design experiments to surface unknowns while keeping credit, compliance, and operational risk in check? That's the focus of episode 2, built around a real case study: PayPal's experiment testing whether cash flow data could strengthen underwriting for its pay-in-4 BNPL product.  (Spoiler: it did.) Joining me to unpack the results are: Anand Bhushan, Global Head of Credit, Pay Later Products at PayPal and Nikki Cross, Senior Director of Data Science Solutions at Nova Credit. We dig into how PayPal built the business case for cash flow underwriting, what they learned from strong consumer uptake, real-time approvals, and scores that beat bureaus – and how Nova Credit helped de-risk the process and scale the data across the credit lifecycle.   Subscribe now to catch more episodes of Cash Flow Conversations, coming soon! This miniseries is brought to you by Nova Credit. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data.  The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics.  Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Anand: https://www.linkedin.com/in/anand-bhushan-60325445/ Follow Nikki: https://www.linkedin.com/in/nikkicrosspatrick/Learn more about Nova Credit here.

@BEERISAC: CPS/ICS Security Podcast Playlist
Wie können Hersteller proaktiv auf den CRA reagieren?

@BEERISAC: CPS/ICS Security Podcast Playlist

Play Episode Listen Later Sep 25, 2025 23:23


Podcast: OT Security Made SimpleEpisode: Wie können Hersteller proaktiv auf den CRA reagieren?Pub date: 2025-09-23Get Podcast Transcript →powered by Listen411 - fast audio-to-text and summarizationDr. André Egners, verantwortlich für die Sicherheitsstrategie bei Landis+Gyr und in verschiedenen Standardisierungsgremien tätig, spricht über Cybersicherheit in Smart Metern und die Bedeutung des Cyber Resilience Act. Er erläutert, wie er die Sicherheitslevel des IEC 62443 Standards anwendet und wie Unternehmen beim Einkauf von Komponenten mehr Cybersicherheit einfordern können. The podcast and artwork embedded on this page are from Klaus Mochalski, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Canadian Wealth Secrets
Is Manulife One a Wealth Shortcut—or a Debt Trap?

Canadian Wealth Secrets

Play Episode Listen Later Sep 24, 2025 21:26


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if your mortgage, checking account, and line of credit were all combined into one powerful tool—could it really speed up your debt freedom and build wealth faster, or just cost you more in the long run?Many Canadians are intrigued by the Manulife One account, a product that promises simplicity, flexibility, and cash flow efficiency. On the surface, it looks like a debt optimizer's dream—every dollar you earn instantly works to reduce interest. But behind the appeal lie real risks: higher rates, temptation to overspend, and the need for disciplined money management. If you've ever wondered whether this account is a smart wealth-building strategy or an expensive convenience, this episode breaks down the truth.In this conversation, you'll discover:Why the Manulife One account can accelerate mortgage payoff and unlock advanced wealth strategies like the Smith Maneuver.The hidden pitfalls that trip up borrowers—and how to know if this tool is a fit for your financial discipline.An alternative approach using a traditional mortgage with a re-advanceable HELOC that may give you lower rates while still opening doors to long-term wealth.Press play now to learn whether Manulife One is your secret weapon—or if there's a smarter path to financial freedom waiting for you.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Achieving financial freedom in Canada requires more than paying down a mortgage—it's about creating a holistic Canadian wealth plan that aligns with your goals. Tools like the Manulife One account can streamline cash flow, strengthen debt management, and even open doors to strategies like the Smith Maneuver, where home equity is re-leveraged for investment and wealth buildReady 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.

The Tax Chick Podcast
Taxes After Death: What Every Executor Needs to Know (with special guest, Michelle Coleman)

The Tax Chick Podcast

Play Episode Listen Later Sep 23, 2025 33:42


In this episode of The Tax Chick Podcast, I am joined by my friend and fellow professional, Michelle D. Coleman, to dig into a topic that every executor needs to understand: the tax implications that arise after someone passes away.Michelle shares her expertise on the common questions and pitfalls that executors face when navigating taxes on death. Together, we walk through the fundamentals of estate administration, tax filings, and why early planning and communication are so important.We cover:The different tax returns that may need to be filed (terminal T1 return, estate T3 return, and more).How the deemed disposition of assets works in Canada — and what it means for executors.Why personal property (antiques, jewelry, collections, etc.) can create unexpected tax issues.The importance of holdbacks, communication with beneficiaries, and managing expectations.Special considerations for non-resident beneficiaries and why CRA clearances matter.The often-overlooked rules around executor compensation and tax reporting.Building a collaborative team of advisors (lawyer, accountant, investment professional) to help executors succeed.If you have ever wondered what happens from a tax perspective after someone dies, or if you have been named an executor and feel unsure where to begin, this episode will give you a clear roadmap of what to expect and why it is so important to get the right advice early on.MORE ABOUT OUR SPECIAL GUEST:Michelle Coleman  HERE ARE SOME OTHER WAYS TO CONNECT WITH ME:My website! Email: thetaxchickpodcast@gmail.com@tax.chick (IG) LinkedInBe a "Tax Chick VIP"

The Current
Why can't you get a CRA agent on the line?

The Current

Play Episode Listen Later Sep 22, 2025 24:06


Krista Tucker Petrick just wants to close her step-mother's will. But until she can reach a human at the CRA, she can't. The North Bay, Ontario school principal is just one of many people frustrated with the CRA call centre. Regina bookkeeper Erin Rudd says she and her staff spend endless hours trying to get an agent on the line — and that's bad for her business. The federal government is in the midst of a 100 day plan to improve service. But will anything change?

Smokin Tabacco
Spare Notes Series #78: Trade Organizational Fumbles & Meerapfel/Fuente Split Update

Smokin Tabacco

Play Episode Listen Later Sep 21, 2025 193:04


Brought to you by Drew Estate: On this episode of the Spare Notes Series, Matt, Pat and Coop get together to discuss the recent statement made by Meerapfel that seems to indicate and all but fully confirm that all of their operations together will be ending, including the sale of Cameroon tobacco to Arturo Fuente. We also heavily discuss the missteps but the PCA, CRA and CAA recently with the massive losses in California and Texas that could have dire consequences in our industry. Tune in now for the break down! Don't forget to visit www.smokintabacco.com to contact us and for more news, reviews and updates from the cigar industry and while you're at it, LIKE and SUBSCRIBE! Cutters and Lighters provided by S.T. Dupont - Shake Up the Legacy! Perdomo Cigars: Quality, Tradition and Excellence! Retailer Corner: Blue Smoke of Dallas, Texas!

@BEERISAC: CPS/ICS Security Podcast Playlist
E71: Meeting Cybersecurity Requirements That Don't Yet Exist

@BEERISAC: CPS/ICS Security Podcast Playlist

Play Episode Listen Later Sep 21, 2025 47:09


Podcast: Error Code (LS 27 · TOP 10% what is this?)Episode: E71: Meeting Cybersecurity Requirements That Don't Yet ExistPub date: 2025-09-16Get Podcast Transcript →powered by Listen411 - fast audio-to-text and summarizationThe EU's new Cyber Resilience Act (CRA) sets higher security requirements but leaves many technical details undecided. This puts pressure on vendors of connected or software-based products to either redesign, retrofit, or withdraw from the market. According to Roland Marx, Senior Product Manager at Swissbit, the CRA's three-year rollout is meant to give companies time to adapt while regulators finalize the specifics.The podcast and artwork embedded on this page are from Robert Vamosi, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Canadian Wealth Secrets
The Playbook for Balancing Taxes, Retained Earnings, and Passive Income in Canada

Canadian Wealth Secrets

Play Episode Listen Later Sep 19, 2025 22:26


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you a Canadian business owner sitting on retained earnings but unsure how to invest them without losing half to taxes?You've worked hard to build a profitable corporation, but the moment you try to grow wealth inside it, the tax system feels like a trap. Between passive income rules, dividend categories, and the dreaded 50% tax on investment earnings, it's no wonder many entrepreneurs hesitate. The truth is, the system isn't broken—it's just designed to be complex. And without the right strategy, you could miss out on powerful opportunities to grow and protect your wealth.In this episode, you'll discover:Why the refundable dividend tax on hand (RDTOH) account can be your secret weapon against the 50% passive income tax rate.How structuring corporate-owned investments—like real estate or insurance—can create long-term tax efficiency and flexibility.Practical steps to balance retained earnings, leverage, and wealth transfer strategies so your money compounds instead of stalls.Press play now to learn how to turn retained earnings into a tax-smart wealth engine for you and your family.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Canadian business owners face unique challenges when it comes to passive income, Canadian taxation, and retained earnings, but with the right corporate structure optimization and tax planning, wealth can grow more efficiently. Whether through real estate investing in Canada, RRSP optimization, or leveraging RDTOH for smarter dividend strategies, entrepreneurs can design a Canadian wealth plan that balances today's needs with tomorrow's goals. From salary vs dividends Canada decisions to integrating insurance policies for protection and estate planninReady 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.

Canadian Wealth Secrets
How to Decide When (and When Not) to Use Leverage To Build Wealth in Canada

Canadian Wealth Secrets

Play Episode Listen Later Sep 17, 2025 15:04


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs leverage always the golden key to building wealth—or can it sometimes hold you back?Many entrepreneurs believe that using corporate or personal leverage is the ultimate strategy for unlocking cash flow and accelerating growth. But what happens when shifting debt from one pocket to another doesn't actually improve your position? In this episode, we explore Omar's story—an accomplished entrepreneur with multiple businesses, smart tax planning, and a well-structured financial system—who discovered that leverage wasn't the answer he expected. If you've ever wondered whether you're missing out by not tapping into leverage, this conversation may shift your perspective.You'll discover:Why using corporate-owned life insurance for leverage can backfire if the timing isn't right.The crucial difference between leverage that creates growth and leverage that simply shuffles debt.How to evaluate which assets are truly best to borrow against—so you protect cash flow without triggering unnecessary tax or fees.Press play now to learn when leverage can propel you forward—and when it's wiser to keep that ace up your sleeve.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Canadian entrepreneurs seeking financial freedom know that building long-term wealth in Canada requires more than just hard work—it takes a clear financial strategy. From tax-efficient investing and RRSP optimization to balancing salary vs dividends Canada, corporate wealth planning, and personal vs corporate tax planning, every decision impacts your path to financial independence. Leveraging permanent insurance, real estate investing Canada, and capital gains strategy can unlock new financial buckets while supporting debt manaReady 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.

Error Code
E71: Meeting Cybersecurity Requirements That Don't Yet Exist

Error Code

Play Episode Listen Later Sep 16, 2025 47:09


The EU's new Cyber Resilience Act (CRA) sets higher security requirements but leaves many technical details undecided. This puts pressure on vendors of connected or software-based products to either redesign, retrofit, or withdraw from the market. According to Roland Marx, Senior Product Manager at Swissbit, the CRA's three-year rollout is meant to give companies time to adapt while regulators finalize the specifics.

Money Talks with Michael Campbell
September 13 Episode

Money Talks with Michael Campbell

Play Episode Listen Later Sep 13, 2025 80:32


Vision Capital’s Jeff Olin joins Mike to share more strategies for growing your wealth with real estate. From hidden value in REITs and data centers to grocery-anchored retail opportunities, discover where disciplined investors are finding returns. Kim Moody - tax expert and Financial Post contributor - drops by to talk CRA inefficiency, bloated laws, and the lack of federal budget accountability. See omnystudio.com/listener for privacy information.

Canadian Wealth Secrets
Maximizing Your Net Worth With Strategic Salary, Dividends, and Investments

Canadian Wealth Secrets

Play Episode Listen Later Sep 12, 2025 22:15


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you accidentally draining the wealth-building power of your corporation by pulling out too much income?Many incorporated business owners follow the same personal finance rules as employees—maxing RRSPs, overpaying themselves, or rushing to pay down debt—without realizing they're giving away unnecessary dollars to taxes. This episode unpacks the story of a profitable Canadian business owner who thought she was “doing all the right things,” only to discover she was sabotaging her long-term wealth. If you've ever wondered how much to pay yourself, when to use RRSPs or TFSAs, or how to balance mortgage payments with investing, you'll see just how costly common mistakes can be.In this episode, you'll discover:How to use your corporation as a powerful tax-deferral machine to accelerate wealth.The smarter way to balance RRSP and TFSA contributions without triggering unnecessary taxes.How simple adjustments in how much you pull from your corporation can add millions to your net worth over time.Press play now to learn how to stop overpaying the taxman and start building lasting wealth through your corporation.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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, corporate wealth management goes far beyond simple tax planning—it's about aligning RRSP optimization, tax-free savings accounts, and smart investment strategies with long-term financial goals. Whether you're weighing salary vs. dividends in Canada, exploring corporate structure optimization, or building passive income through real estate investing Canada, the right wealth building strategies can accelerate your journey to financial freedom Canada and even support an early retirement strategy. By usinReady 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.

Canadian Wealth Secrets
How Corporate Structure Can Unlock Flexibility and Tax Efficiency in Canada

Canadian Wealth Secrets

Play Episode Listen Later Sep 10, 2025 29:10


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you building wealth through real estate but worried your corporate structure might cost you flexibility—and thousands in taxes—down the road?Many investors think incorporating will solve all their tax problems, but the truth is far more nuanced. Without the right setup, you can trap yourself in rigid structures that force you into unnecessary payouts, lock you into partner decisions that don't fit your personal circumstances, and even block you from leveraging your growth for future wealth. If you're juggling rental properties, side businesses, and long-term wealth goals, your structure matters just as much as your investments.In this episode, you'll discover:Why buying properties inside a corporation doesn't always save you tax—and what to do instead.The powerful role holding companies can play in giving you flexibility, control, and protection.How corporate-owned life insurance and shareholder agreements fit into a smarter long-term wealth and legacy plan.Press play now to learn how to avoid costly mistakes and set up your corporate structure to fuel—not limit—your wealth journey.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Building long-term wealth in Canada requires more than just real estate investing—it's about aligning your corporate structure, holding companies, and investment strategy with smart Canadian tax strategies. Whether you're weighing salary vs dividends in Canada, exploring RRSP optimization, or using life insurance as part of your corporate wealth planning, the right system creates tax efficiency and sustainable wealth management. For entrepreneurs, integrating personal vs corporate tax planning, capital gains strategy, and shareholder distributions 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.

Outdoor Minimalist
Congress Moves to Strip Public Lands Protections in Alaska, Montana, and North Dakota Using the Congressional Review Act ft. Professor John Ruple - Public Lands News (September 1 - 5)

Outdoor Minimalist

Play Episode Listen Later Sep 5, 2025 20:20


This week's Public Lands News episode is covering public lands protections, Congressional tools, and new funding announcements, including:USDA Proposal to Rescind the Roadless Rule: 45 million acres of national forest at risk, including Alaska's Tongass; public comment period closes September 19Congressional Review Act Threats to BLM Resource Management Plans — with John Ruple, University of UtahDepartment of the Interior Secretarial Order 3442 & Record LWCF FundingLink to Federal Register to Comment on the Roadless Rule: ⁠https://www.federalregister.gov/documents/2025/08/29/2025-16581/special-areas-roadless-area-conservation-national-forest-system-lands⁠Subscribe to our newsletter for in-depth coverage and extra stories we don't have time for on the podcast: ⁠⁠⁠theoutdoorminimalist.com⁠⁠⁠Subscribe to our YouTube channel (⁠⁠⁠@theoutdoorminimalist⁠⁠⁠) so you don't miss the launch of our new Ecocide series on September 8.Have tips, testimonials, or insights on public land changes? Submit them through our Google Form (⁠⁠⁠https://forms.gle/JwC73G8wLvU6kedc9⁠⁠⁠).Sources referenced in this episode:USDA Secretary Rollins Opens Next Step in Roadless Rule Rescission: ⁠https://www.usda.gov/about-usda/news/press-releases/2025/08/27/secretary-rollins-opens-next-step-roadless-rule-rescission⁠Roadless Rule Impact Map: ⁠https://experience.arcgis.com/experience/7308297f88484984a5ee5bcf2d5ae6b4/⁠Letter from John Ruple and colleagues encouraging Congress not to repeal BLM plans: https://www.law.utah.edu/news-articles/wallace-stegner-center-faculty-write-letter-to-congress-urging-lawmakers-not-to-repeal-blm-resource-management-plans/Field and Stream Article on CRA by Travis Hall: https://www.fieldandstream.com/stories/conservation/public-lands-and-waters/congress-to-strip-protections-from-public-lands-using-congressional-review-actSecretarial Order 3442 Document Library: ⁠https://www.doi.gov/document-library/secretary-order/so-3442-land-and-water-conservation-fund-implementation-us⁠DOI Press Release on LWCF Investment: ⁠https://www.doi.gov/pressreleases/new-secretarys-order-strengthens-outdoor-access-and-recreation⁠Colorado Sun: ⁠https://coloradosun.com/2025/09/04/colorado-collard-ranch-state-wildlife-area-former-tarryall-creek-ranch-property/⁠

Canadian Wealth Secrets
Canadian Retirement Wealth Without Clarity: The Silent Stress No One Talks About

Canadian Wealth Secrets

Play Episode Listen Later Sep 5, 2025 27:57


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if you reached retirement age with over $2 million in assets—yet still felt anxious and uncertain about your future?That's the dilemma Jasmine faced. Despite years of saving, investing, and “doing everything right,” she found herself chasing risky trades and second-guessing her decisions after an unexpected layoff just two years before retirement. Her story highlights a common struggle: financial freedom isn't just about the math—it's about clarity, vision, and emotional confidence. Without defining what “enough” really looks like, even wealth can feel shaky.In this episode, you'll discover:How to create personal guardrails that balance security with growth so you can stop second-guessing.Why defining your lifestyle vision matters more than hitting an arbitrary number.Practical ways to separate “need-to-have” assets from “nice-to-have” investments, giving you peace of mind while still leaving room to optimize.Press play now to hear Jasmine's story and learn how to align your money with your vision—not your fears.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Retirement planning in Canada isn't just about saving—it's about building financial freedom through clarity, strategy, and structure. From managing retirement anxiety with emotional finance insights to applying tax-efficient investing and RRSP optimization, Canadian entrepreneurs and families can create a wealth management system that balances personal vs corporate tax planning, salary vs dividends, and corporate wealth planning. By setting clear financial goals and using retirement planning tools such as financial buckets, wealth reservoirs, and investment bucket strategies, you can align your financial vision with 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.

Canadian Wealth Secrets
The Costly Mistake Canadian Real Estate Investors Make With Their

Canadian Wealth Secrets

Play Episode Listen Later Sep 3, 2025 28:02


Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you overlooking a tax-saving tool worth thousands that's sitting right in front of you?Many high-income professionals and real estate investors get caught up in complex strategies like the Smith Maneuver or cash damming—powerful, yes, but painfully slow to pay off. The truth is, these long-game approaches can distract you from simpler, more immediate wins. In this episode, we break down how one investor, focused on advanced tactics, was missing an obvious opportunity that could put thousands of dollars back in his pocket this year. If you've ever wondered whether you're working too hard for too little tax relief, this conversation will hit home.You'll discover:How cash damming works—and why clean record-keeping is non-negotiable.When it makes sense to hire an investor-savvy accountant and how the costs compare to the actual tax savings.Why RRSP contributions, often ignored by real estate investors, can create instant tax refunds worth thousands while still supporting your long-term wealth strategy.Press play now to learn how to stop missing the forest for the trees and unlock immediate tax savings while still building for the future.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…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.Building long-term wealth in Canada requires more than just working hard—it's about mastering tax strategies and aligning them with a clear Canadian wealth plan. From cash damming and RRSP optimization to investment loans and corporate wealth planning, T4 earners and Canadian entrepreneurs alike can unlock powerful tax savings. With the right accountant and smart financial planning tools, you can balance salary vs dividends in Canada, create effective financial buckets, and design a financial visiReady 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.