Podcasts about cra

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 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 

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.

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.

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.

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.

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.  

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.

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.

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.

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.

Talked with Jetson Brown, Farm Manager and Andoni Ruiz, Asst Manager, West Gate Community Farm.  "Westgate Community Farm is an urban education and production farm in the Westgate Neighborhood of West Palm Beach that offers neighbors fresh produce, education programs, and a lush green space."  They were created with the CRA to address the food desert in the neighborhood.  They have workshops, kids programs, field trips and lots of volunteer opportunities for the community.  Season is starting with their Green Market on October 4th from 9a-1p. Then October 11th they are having a community book fair and picnic. Free admission with a book donation.   Then on October 18th they'll be teaching a gardening 101 workshop in addition to the market. They will also have starter tomato, pepper plants, etc. for sale that day. They offer double EBT on the organic produce.  Listeners can go to the website for more info at westgatecommunityfarm.com, or email them at TheGateFarm@gmail.com.

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.

Cordiant Digital Infrastructure Management chairman Steven Marshall and Cordiant Digital Infrastructure Ltd (LSE:CORD) CFO Andrew Ewe talked with Proactive's Stephen Gunnion about the company's progress across key projects in Europe. Marshall discussed the performance of Speed Fibre following its acquisition of BT Ireland. He said the integration had gone smoothly and that the business was continuing to strengthen. Attention then turned to Cordiant's Prague Gateway project under CRA. The site has a planned capacity of 26 megawatts and, according to Marshall, is positioned to serve growing demand in the region. He noted that CRA had “successfully qualified for the European Union gigafactory site bid process,” which he described as a significant milestone. Ewe provided updates on Belgium-based Datacenter United, highlighting the group's stable operations and continued customer activity. He also addressed financials, explaining how Cordiant has been managing its balance sheet and ensuring that portfolio companies remain well capitalised. Marshall concluded by outlining the company's focus on infrastructure assets that support digital connectivity across Europe. Visit Proactive's YouTube channel for more videos, and don't forget to give this video a like, subscribe to the channel, and enable notifications for future content. #CordiantDigital #InfrastructureInvestment #DataCenters #Telecoms #SpeedFibre #PragueGateway #DatacenterUnited #EUInfrastructure #ProactiveInvestors

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"

Thinking of adding your child to the ownership of your home, bank accounts, or investments to “make things easier”? This common estate planning shortcut could cost your family far more than you realize. In this episode of Retirement Straight Talk, William and Paul dive into: • What joint ownership really means (and why it's often misunderstood) • When it works and when it can cause major tax and legal issues • The surprising risk of losing control of your home • Real-life stories of family conflict, CRA penalties, and unintended fallout • Better alternatives: powers of attorney, trusts, clear documentation, and more This is one of those episodes that could save your family thousands and a whole lot of heartache.

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?

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!

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.

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.

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.

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.

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.

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.

The European Union's upcoming Cyber Resilience Act (CRA) goes into effect in  October 2026, with the remainder of the requirements going into effect in December 2027, and introduces significant cybersecurity compliance requirements for software vendors, including those who rely heavily on open source components. At the Open Source Summit Europe, Christopher "CRob" Robinson of the Open Source Security Foundation highlighted concerns about how these regulations could impact open source maintainers. Many open source projects begin as personal solutions to shared problems and grow in popularity, often ending up embedded in critical systems across industries like automotive and energy. Despite this widespread use—Robinson noted up to 97% of commercial software contains open source—these projects are frequently maintained by individuals or small teams with limited resources.Developers often have no visibility into how their code is used, yet they're increasingly burdened by legal and compliance demands from downstream users, such as requests for Software Bills of Materials (SBOMs) and conformity assessments. The CRA raises the stakes, with potential penalties in the billions for noncompliance, putting immense pressure on the open source ecosystem. Learn more from The New Stack about Open Source Security:Open Source Propels the Fall of Security by ObscurityThere Is Just One Way To Do Open Source Security: TogetherJoin our community of newsletter subscribers to stay on top of the news and at the top of your game. 

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.

Can the CRA really be fixed in 100 days? Guest: Alex Klyguine, tax lawyer specializing in tax litigation Learn more about your ad choices. Visit megaphone.fm/adchoices

Can the CRA really be fixed in 100 days? Guest: Alex Klyguine, tax lawyer specializing in tax litigation What is “Weaponized incompetence?” Guest: Matt Lundquist, founder and director of Tribeca Therapy in New York Why are more and more Orcas ramming boats? Guest: Naomi Rose, senior scientist of marine mammal biology at the Animal Welfare Institute You should stop taking your phone to the bathroom Guest: Dr. Trisha Pasricha, a gastroenterologist and director of the Gut-Brain Research Institute at Beth Israel Deaconess Medical Center in Boston Can Mark Carney reform our bail system? Guest: Jordan Gold, criminal defence lawyer Doctors want more restrictions on gambling ads Guest: Paul Burns, CEO of the Canadian Gaming Association Learn more about your ad choices. Visit megaphone.fm/adchoices

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/⁠

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.

0:11 - The federal NDP has officially launched their race to find their next leader. 10:05 - Mark Carney meets with his cabinet amid an unresolved trade war and looming budget. 20:28 - We get your thoughts on Mark Carney's cabinet meeting. 30:05 - The CRA needs 100-day plan to fix ‘unacceptable' services, minister orders. 39:54 - What is your experience with the CRA? We take your calls and texts. 45:50 - Poilievre calls for temporary foreign worker program to be scrapped. 55:06 - Is the temporary foreign worker program the reason for youth unemployment? We hear from you. 1:17:45 - The Man Van - Driving Change for Men's Health. Learn more about your ad choices. Visit megaphone.fm/adchoices

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.

After 10 years together, the marriage of two snack food giants has gone bad, like a bottle of expired mayo, or a moldy bowl of KD. Having trouble reaching someone at the CRA? The good (and bad) news is you're not alone.

В данном подкасте мы обсудим, что нужно сделать перед отъездом из Канады. Многие уезжают из Канады навсегда, но люди не знают, что надо заполнить финальную налоговую декларацию и заплатить налог даже если имущество и не продали! Обсуждаемые вопросы: 1) Какой налог нужно заплатить на выезде 2) О чем нужно помнить при отъезде 3) Человек на work permit — когда считать резидентом 4) Как определяют резиденство 5) Тяжело ли выйти из канадского резиденства 6) Двойное налогообложение Александра Ильчук — налоговый адвокат, юрист по налоговым спорам в Канаде, член коллегии адвокатов Онтарио (Law Society of Ontario). Специализируется на работе с Канадским налоговым управлением (CRA): от налоговых проверок и апелляций до судебных разбирательств в судах (Налоговый суд, Федеральный суд) Канады. В своей практике она сочетает юридическую точность с практическими стратегиями защиты клиентов. Александра также активно выступает на конференциях Canadian Tax Foundation, Ontario Bar Association, а её статьи посвящены вопросам налоговой политики и администрирования. Alexandra Ilchuk, Associate Advotax Law Professional Corporation Tel: +1 437.916.9000, Email: ask@advotaxlaw.ca (далее…) ————————————————- The content of this site and our podcasts are for information only. Everybody's financial situation is different and the thoughts we provide here may not be applicable to you. We can't be held responsible for the consequences if you pursue an unsuitable course of action. Сообщение Как уехать из Канады правильно: гид от налогового адвоката | 306 появились сначала на Moneyinside.ca-самый популярный финансовый подкаст в Канаде!.

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 do you do when you're doing everything “right” financially for your Canadian retirement—yet something still feels off?Ryan is a disciplined, high-earning young professional who's bought real estate, maxed investment accounts, and avoided lifestyle creep—yet he's starting to wonder if his current approach is really setting him up for long-term financial flexibility and freedom. Like many Canadians, he's wrestling with hidden inefficiencies, unclear next steps, and questions about how to truly optimize what he's already built. Whether it's poor product design, overexposure to equities, or cash sitting idle, this episode uncovers where even smart strategies can fall short.You'll discover:How to rethink emergency funds and idle capital as tools for opportunity, not just securityWhy portfolio structure—not just growth—matters for future retirement planning flexibility and tax efficiencyWhat makes a high early cash value life insurance policy a powerful wealth planning asset (and how to avoid poor designs)If you've been curious about high early cash value participating whole life insurance, this episode breaks down how it can function as both a safety net and a strategic asset. We also explore how infinite banking whole life insurance can be layered into a broader retirement plan, complementing traditional vehicles like RRSPs—especially for those with growing incomes and defined contribution pensions. It's all about balancing liquidity, tax efficiency, and future opportunity.Press play to learn how to fine-tune your financial foundation into a system that's resilient, accessible, and built for the long haul.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 cordporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your speReady 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.

Podcast: OT Security Made SimpleEpisode: Wie steht es um die OT-Sicherheit in der Wasserwitschaft? | OT Security Made SimplePub date: 2025-08-26Get Podcast Transcript →powered by Listen411 - fast audio-to-text and summarizationGeschäftsführer des Kompetenzzentrums digitale Wasserwirtschaft (KdW), Ronald Derler, skizziert die besonderen Herausforderungen in der OT-Cybersicherheit in Wasserbetrieben. Als Direktor des Lagezentrums Cybersec@Wasser spricht er über die Entstehung und Herangehensweise der Institution, Best Practices für die Branche und die Bedeutung von CRA und NIS2.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.

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 would you do if your business was sitting on millions in retained earnings — pay off your mortgage or put that money to work?Many successful business owners eventually face this dilemma: the company is thriving, personal income needs are covered, and now a mountain of cash is piling up. Do you clear the debt for peace of mind, or invest more strategically for long-term wealth? The emotional pull of eliminating a $10,000 monthly mortgage payment is strong, but the tax implications and opportunity costs can make that choice far from optimal. This episode breaks down how to weigh those options with both the numbers and your personal comfort in mind.In this conversation, you'll discover:Why paying off your mortgage outright might actually shrink your wealth instead of growing it.How a capital dividend account can unlock tax-free cash you didn't realize was available.A powerful “Smith Maneuver–style” strategy using whole life insurance that creates personal liquidity, preserves corporate assets, and builds your estate value.Press play now to learn how to turn retained earnings into lasting wealth without falling into costly traps.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 cordporate 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 designing a Canadian wealth plan that blends smart wealth management with proven financial strategies. For Canadian entrepreneurs, understanding how to leverage corporate assets, balance salary vs dividends, and use corporate wealth planning tools like the Smith Maneuver or life insurance can unlock powerful tax-efficient investing opportunities. Whether you're focused on retained earnings, capital gains strategy, or RRSP opReady 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.

В данном подкасте мы обсудим как часто бывают налоговые аудиты, какие налоговые аудиты проводит CRA, что такое net worth audit и многое другое. Обсуждаемые вопросы: 1) С какого дня начинается отсчет срока давности для CRA 2) В каком случае CRA может проверить за 20 и более лет 3) Statute-barred, что это и когда это может помочь 4) Как происходит процесс споров с налоговой 5) Как часто делают аудиты на 10 лет и более лет 6) Популярный вид проверок 7) Что повышает риски такого аудита 8) Как выбирают на аудит 9) К каким аккаунтам и магазинам имеет доступ CRA Линк net_worth_assessment Александра Ильчук — налоговый адвокат, юрист по налоговым спорам в Канаде, член коллегии адвокатов Онтарио (Law Society of Ontario). Специализируется на работе с Канадским налоговым управлением (CRA): от налоговых проверок и апелляций до судебных разбирательств в судах (Налоговый суд, Федеральный суд) Канады. В своей практике она сочетает юридическую точность с практическими стратегиями защиты клиентов. Александра также активно выступает на конференциях Canadian Tax Foundation, Ontario Bar Association, а её статьи посвящены вопросам налоговой политики и администрирования. Alexandra Ilchuk, Associate Advotax Law Professional Corporation Tel: +1 437.916.9000, Email: ask@advotaxlaw.ca (далее…) ————————————————- The content of this site and our podcasts are for information only. Everybody's financial situation is different and the thoughts we provide here may not be applicable to you. We can't be held responsible for the consequences if you pursue an unsuitable course of action. Сообщение Налоговые аудиты в Канаде | 305 появились сначала на Moneyinside.ca-самый популярный финансовый подкаст в Канаде!.

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 treating your emergency fund like a financial afterthought — or a true wealth-building tool?Let's face it: stashing money away for “just in case” doesn't exactly spark excitement. Most people either avoid building an emergency fund altogether or assume a line of credit will save the day. But what happens when access to borrowing tightens, or a true emergency hits? This episode challenges the traditional, passive approach to emergency funds — and offers a smarter, more strategic alternative that works with your wealth-building goals, not against them.This episode is a re-broadcast from episode 54. First released in December 2023.In this episode, you'll discover:How much you really need in an emergency fund — and how to calculate it without guessworkWhy typical advice (like keeping cash in a savings account) might actually be costing you moneyA creative, lesser-known strategy that transforms your emergency fund into a safe, flexible opportunity fundLearn how to supercharge your emergency fund and make it work harder for your financial future — press play now.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 cordporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Financial freedom in Canada takes more than income — it takes strategy. Whether you're a seasoned entrepreneur, high-earning professional, or building wealth through real estate, mastering the four phases of a healthy financial plan is non-negotiable. This podcast unpacks the smartest Canadian tax strategies, corporate structuring moves, and investment tactics that create lasting wealth. From optimizing RRSP room and leveraging real estate to balancing salary vs dividends and planning your legacy, we focus on actionable insights tailored for busReady 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.

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 a six-figure salary still enough to live comfortably in today's world?You've built a business, crossed the $100K threshold, and checked off what used to be a major financial milestone. But instead of breathing easier, you're feeling the pressure: inflation, higher taxes, rising overhead, inflated living costs, and a widening gap between what you earn and what you keep. As a Canadian business owner or entrepreneur, it's frustrating to hit the numbers but still feel like you're running in place. This episode unpacks the reality behind the six-figure illusion—and why that income level doesn't stretch like it used to. In this episode, you'll uncover:The shocking truth about how much buying power $100K has lost since the '90sA breakdown of real-world expenses—from mortgage payments to groceries—and how they consume your take-home payPractical strategies to restructure your finances, align spending with values, and create new income opportunities through investingPress play to find out if $100K still cuts it—and what you can do if it doesn't.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 cordporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Financial freedom in Canada takes more than income — it takes strategy. Whether you're a seasoned entrepreneur, high-earning professional, or building wealth through real estate, mastering the four phases of a healthy financial plan is non-negotiable. This podcast unpacks the smartest Canadian tax strategies, corporate structuring moves, and investment tactics that create lasting wealth. From optimizing RRSP room and leveraging real estate to balancing salary vs dividends and planning your legacy, we focus on actionable insights tailored for business owners and investors. Each episode givesReady 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.

Send us a textWhat drives a 14-year-old girl to spend scorching summer days at racetracks instead of swimming pools? For Chloe Mazzagatti, racing isn't just a hobby—it's in her blood.From her pink #87 Supra late model to her remarkable story of determination, Chloe represents the changing face of motorsports. Traveling from New Franklin, Ohio to compete in the prestigious Kalamazoo Clash, this young racer shares her journey from Bandolero cars to late models in just five years. Her accomplishments are nothing short of extraordinary—track championships at multiple speedways, a dramatic seven-barrel roll crash she walked away from, and winning her second-ever late model race against seasoned competitors.Behind Chloe's success lies a supportive racing family. Her father races late models (often competing against her), while her 10-year-old brother Michael races Bandoleros and Legend cars. This motorsports-centered lifestyle necessitated homeschooling, allowing Chloe to balance education with her demanding race schedule. Rather than maintaining friendships with school peers who don't understand her passion, she's built connections with fellow racers across North America, staying connected through racing simulators and social media.What makes Chloe's story particularly compelling is her natural talent combined with unwavering dedication. Qualifying P1 in her first late model race and finishing P2 after starting last shows her exceptional skill behind the wheel. Now facing new challenges at the faster, high-momentum Kalamazoo Speedway, she demonstrates the importance of pushing boundaries and gaining diverse track experience.Racing has given this teenager purpose, community, and direction. As she sets her sights on Pro Late Models, CRA events, and potentially ARCA and NASCAR opportunities, Chloe embodies the future of women in motorsports—breaking barriers one lap at a time, with her Hey Dudes shoes firmly on the pedals.Subscribe to follow more inspiring stories of women shaping the motorsports landscape, from teenage phenoms like Chloe to the trailblazers paving their way.Support the showFACEBOOK: https://www.facebook.com/womensmotorsportsnetworkandpodcast INSTAGRAM: https://www.instagram.com/womensmotorsportsnetwork/ LINKEDIN: https://www.linkedin.com/in/melindarussell/ TIKTOK: https://www.linkedin.com/in/melindarussell/ X: https://x.com/IWMANation FACEBOOK Personal Page: https://www.facebook.com/melinda.ann.russell

On June 25, 2025, B&C, along with the Environmental Law Institute and the George Washington University Milken Institute of Public Health, sponsored the all-day virtual conference, TSCA Reform -- Nine Years Later. The conference was hugely successful and almost 1,000 people registered for it. The quality of the discussion, the caliber of the participants, and the timeliness of the content motivated us to repurpose the substantive sessions to enable our podcast audience to listen to the sessions in this venue. The topic of this podcast is the panel discussion on the U.S. Environmental Protection Agency's (EPA) risk evaluation process under the Frank R. Lautenberg Chemical Safety for the 21st Century Act (Lautenberg). The panel discussed various aspects of EPA's risk evaluation of chemical substances under Toxic Substances Control Act (TSCA) Section 6. The panel experts touch upon crucially important issues, including EPA's reconsideration of the risk framework rule and the legal challenge to it, EPA's pivot away from the whole chemical approach, the incorporation of cumulative risk assessment (CRA) approaches, and much, much more. ALL MATERIALS IN THIS PODCAST ARE PROVIDED SOLELY FOR INFORMATIONAL  AND ENTERTAINMENT PURPOSES. THE MATERIALS ARE NOT INTENDED TO CONSTITUTE LEGAL ADVICE OR THE PROVISION OF LEGAL SERVICES. ALL LEGAL QUESTIONS SHOULD BE ANSWERED DIRECTLY BY A LICENSED ATTORNEY PRACTICING IN THE APPLICABLE AREA OF LAW. ©2025 Bergeson & Campbell, P.C.  All Rights Reserved

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 unknowingly overpaying tax on your investments—just because of how they're structured?If you're a high-income Canadian or incorporated business owner, you already know how punishing taxes can be on your investment gains. Maybe you've maxed out your RRSP and TFSA leaving your remaining dollars are sitting in non-registered accounts or inside your corporation—exposed to annual taxes on dividends, interest, and capital gains.Worse yet, every dollar of taxable income could push you into a higher bracket or chip away at your corporation's access to the Small Business Deduction. Even with solid investment picks, your after-tax returns might be falling short because the structure itself is working against you.In this episode, we highlight a smarter way to grow wealth without triggering taxes every year: corporate class ETFs. This isn't about beating the market—it's about keeping more of what you earn by choosing investment vehicles that defer taxation and minimize distributions. If you're tired of paying tax on income you're not even spending, and want more control over when the CRA gets paid, this episode is for you.In this episode, you'll learn:What corporate class ETFs are and how they legally delay taxes—giving you more control over when you pay.How they help incorporated business owners reduce passive income taxation and protect access to the Small Business Deduction.Why they can outperform after-tax despite ultra-low MERs—and why they're not the right fit if you're using the Smith Maneuver.If you're investing through a corporation or holding a large non-registered portfolio, press play now to learn how corporate class ETFs could become your most tax-efficient investing edge.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 cordporate passive income taxes at greater than 50%; or,…wondering whether your curReady 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.

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 happens when you finally reach your financial freedom number—only to realize the journey's far from over?You've spent years grinding, saving, and investing smart to hit your retirement goals. But once you cross that finish line, a new set of challenges emerges: how do you protect your wealth, minimize tax drag, and set your family up for long-term success without overcomplicating your life? In this episode, Kyle and Jon walk through a real-life case study of a couple with a $10M portfolio who's grappling with exactly that. From risk tolerance mismatches to looming capital gains, they break down the planning shifts that matter most after you've "made it."You'll discover:How to transition from aggressive growth to sustainable simplicity—without blowing up your tax billWhy timing and method matter when shifting from actively managed funds to more tax-efficient structuresHow legacy strategies like high-cash-value life insurance and corporate class ETFs can protect wealth across generationsHit play to learn how to evolve your portfolio and mindset for life after financial independence.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 cordporate 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 just diligent saving—it demands a strategic blend of retirement planning, investment bucket strategies, and advanced portfolio management tailored to your life stage and goals. Whether you're pursuing an early retirement strategy or building long-term wealth through real estate investing in Canada, understanding the tax implications, especially around capital gains strategy, RRSP optimization, and salary vs dividends, is crucial. At the core of a robust Canadian wealth plan lies 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.

From shady loan offers to AI voice fraud and everything in between, this special edition of Debt Free in 30 is your go-to for avoiding financial scams. We've compiled some of the most important scam warnings from past episodes. These are real risks facing Canadians today, and knowing the red flags could protect your money, identity, and peace of mind. 00:00 – August is a special episode month before launching a new season this fall 01:30 – Housing and rental scams 03:55 – Payday loan and installment loan traps 05:00 – Debt consultant scams 06:30 – “Granny scams” and AI voice fraud 08:00 – Upfront fee fraud 10:30 – Pig butchering scams (crypto and romance fraud) 14:45 – The truth about so-called “savings loans” 17:00 – Red flags and scam warning signs 20:00 – CRA impersonation and email phishing scams 23:30 – Another look at pig butchering scams 24:45 – Final thoughts: trust, but verify… verify, verify Fraud Can Cause Debt Problems: How To Stay Protected Beware of Fake CRA Calls Hoyes Michalos Free Canadian Credit Rebuilding and Repair Course Hoyes Michalos YouTube Channel Sign Up For The Monthly Debt Free Digest Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

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 your retained earnings just sitting idle in your corporation — taxed if touched and seemingly out of reach?Many Canadian business owners struggle to unlock the full potential of their corporate cash. Between tax traps and limited investment options, it often feels like you're stuck watching your money stagnate. This episode uncovers a smart, lesser-known strategy to keep your retained earnings working for you — without triggering personal taxes or resorting to risky bets. This episode shares a recording of a joint webinar between PE-GATE and the team at Canadian Wealth Secrets. Tune in to discover:How to invest your corporation's retained earnings into private businesses while keeping the taxman at bayWhat makes private equity a powerful, tax-efficient asset class — and how regular business owners can finally access itWhy boring, cash-flowing businesses might be the best-kept secret to growing wealth in CanadaIf you're a Canadian business owner ready to put your corporate dollars to work, hit play now and learn how to unlock strategic growth without paying more tax.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 cordporate 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 independence and early retirement are increasingly turning to private equity as a core component of their corporate wealth planning. By strategically investing retained earnings into this high-performing asset class, business owners can unlock powerful tax-efficient investing opportunities that go beyond traditional RRSP optimization or real estate investing in Canada. With a focus on liquidity, corporate structure optimization, and tailored investment bucket strategies, this approach supports a modest lifestyle wealtReady 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.

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 racing to optimize your investments before figuring out if you're even on track for retirement?Many Canadians jump straight into strategies like the Smith Maneuver, tax efficiency, and leveraging — but skip the most critical question: What do I actually need to retire on my terms? This episode tackles the foundational work you must do before fine-tuning your wealth plan, so you don't optimize yourself into a shortfall.By listening, you'll discover:Why your “vision number” is more important than which spouse holds the investmentA simple way to reverse-engineer your retirement timeline based on what you already haveHow to calculate whether your current strategy is enough — or needs a total rethinkBefore you tweak another investment detail, hit play to learn how to build a retirement-ready plan that actually works.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.A successful Canadian wealth plan starts with clarity — not just on investment strategies like the Smith Maneuver or RRSP optimization, but on your bigger financial vision. Whether you're a high-income earner, entrepreneur, or planning for early retirement in Canada, aligning your budgeting, income needs, and long-term financial goals is key to true financial freedom. At Canadian Wealth Secrets, we help you move beyond surface-level wealth optimization into deeper strategies like corporate wealth planning, tax-efficient investing, and financial systems built for entrepreneurs. From balancing salary vs. dividends to choosing between real estate vs. renting, and crafting a capital gains or legacy plan, your path to building long-term wealth in Canada depends on answering the right vision question first. UsingReady 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.

 Did you know Congress passed the Community Reinvestment Act (CRA) in 1977 with the objective of ending redlining, the decades-old practice of neighborhood discrimination by banks against African Americans and others based on race and income? The race-based rejection of loans to creditworthy residents of redlined neighborhoods delayed the American dream of homeownership and small business ownership for generations. Senator William Proxmire, the main Congressional sponsor of CRA, along with advocacy organizations, believed that segregated neighborhoods would not successfully revitalize themselves if banks continued to refuse to make loans in them. Therefore, the CRA was devised to make banks accountable for serving the needs of entire communities.Based on a comprehensive analysis of half a century of CRA-related legislation and banking regulation, this book takes a hard look at the effectiveness of the CRA and clearly lays out what needs to be done to CRA and its regulation to improve outcomes. The author addresses whether CRA is an effective response to racial injustice, whether CRA has effectively empowered communities, whether the federal agencies have developed regulations that conform with and further the statutory objectives of CRA, and whether the law appropriately addresses and rectifies market failures in our economy.He is the author of the informative book, "Ending Redlining through a Community-Centered Reform of the Community Reinvestment Act." https://www.endredline.com/http://www.yourlotandparcel.org

What if early RRSP withdrawals aren't always the tax-smart move they're made out to be? In this special AMA edition of the Rational Reminder podcast, Ben and Cameron are joined by PWL Financial Planner Louai Bibi for a wide-ranging discussion on RRSP decumulation strategies, insurance planning, and the practical complexities that real clients face when theory meets reality. Ben walks through a listener's case study and shares insights from colleague Melissa on why early RRSP withdrawals (a.k.a. “meltdown” strategies) are not always beneficial—especially when viewed through a present-value lens. Louai contributes in-the-trenches experience, highlighting how client goals (estate vs. living net worth) and asset allocation can significantly influence what makes sense. In the second half, Louai delivers a comprehensive walkthrough of how PWL approaches life, disability, and critical illness insurance planning—not as salespeople, but as fiduciaries. You'll hear why the right coverage isn't one-size-fits-all, how survivor models are used to project financial impacts, and why the smallest, cheapest policy can still make a life-changing difference.   Key Points From This Episode: (0:00:04) Introduction and full-circle moment: Louai Bibi joins the show. (0:01:48) Reflections on the first PWL employee summit and One Digital integration. (0:06:30) Upcoming Rational Reminder meetups in Victoria and Vancouver. (0:07:40) Steve's question: Should he be melting down his growing RRSP? (0:09:15) Ben outlines a detailed client case where early withdrawals had minimal benefit. (0:12:10) Key takeaway: Present value of taxes matters more than total lifetime taxes. (0:13:50) Melissa's advice: Model your specific situation, not just follow YouTube tips. (0:15:56) Louai adds: The impact on future investment growth and taxable account drag. (0:17:28) Systematically reviewing RRSP strategies annually in November. (0:21:12) Taxes and portfolio construction: Home country bias, withholding tax, and more. (0:22:11) The importance of tax diversification—lessons from the capital gains inclusion saga. (0:23:11) RESP withdrawals and CRA's definition of “reasonable” expenses. (0:25:41) Fiduciary standards in Canada: Why sweeping change is unlikely. (0:26:29) Most influential ideas from 300+ episodes: Market beliefs, information overload, and Die With Zero. (0:34:36) Time, meaning, and memories: A shift in life perspective through the podcast. (0:38:47) Louai's top 3 lessons: Unified philosophy, consumption smoothing, and homeownership myths. (0:42:21) Deep dive: How PWL approaches life, disability, and critical illness insurance. (0:45:00) Life insurance: Survivor modeling, planning trade-offs, and permanent vs. term. (0:51:32) Disability insurance: Hidden risks in group coverage and income replacement importance. (0:56:36) Critical illness insurance: A real story about an inexpensive policy that changed a life. (1:00:07) Ben's experience with testicular cancer and hindsight on CI coverage. (1:01:45) Teaser: A new disclaimer for reading podcast reviews. (1:02:08) After-show: MobLand, The Sopranos, and the nostalgia of Animal Kingdom.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582.  Rational Reminder Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemind Rational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Louai Bibi — https://pwlcapital.com/our-team/ Louai Bibi on LinkedIn - https://ca.linkedin.com/in/louaibibi Louai Bibi on X -  https://x.com/louaibibi   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com).