Podcasts about cra

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.

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

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 using the Smith Manoeuvre actually the smartest strategy for your family's financial future—or just a well-known tactic that needs deeper thought?If you're earning a strong income, filling up your RRSPs, and asking “now what?”, you're not alone. Many high earners in Canada hit a ceiling when it comes to traditional tax-advantaged accounts—and they're left wondering how to structure their wealth more efficiently. In this episode, Kyle Pearce and Jon Orr walk through a real listener case study that exposes the blind spots, tax traps, and strategic decisions facing Canadian professionals trying to hit their retirement goals without losing half their income to taxes.You'll discover:Why simply maximizing your RRSP isn't enough—and how to think beyond the basicsThe real pros and cons of using the Smith Manoeuvre in your name vs. your spouse'sHow to balance today's tax savings with tomorrow's income-splitting strategy for retirementReady to move from tax confusion to tax confidence? Hit play and learn how to make smarter wealth-building moves with the income you've already got.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.Unlocking financial freedom in Canada starts with more than just saving—it demands a strategic blend of wealth optimization, tax-efficient investing, and a clear financial vision setting that aligns with your lifestyle and goals. Whether you're a high-income earner, entrepreneur, or family focused on building long-term wealth in Canada, understanding tools like the Smith Maneuver, RRSP optimization, and capital gains strategies is essential. This episode explores how smart investment structures, corporate wealth planning, and personal vs corporate tax planning cReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Join top CRA experts Doctor Ken Thomas, Len Suzio and Dean Stockford for a wide ranging discussion on the Community Reinvestment Act.   The NPR for repeal of the 2023 Rule What to be learned from the 2023 Rule Do the examiners in the field reflect "deregulation"? Simple ideas to improve the CRA regulations and make them more effective for banks What banks should do ASAP - and more   Brought to you by GeoDataVision and M&M Consulting

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 actually building a business you can sell — or just a high-paying job you'll eventually walk away from?Many Canadian entrepreneurs dream of cashing out with millions thanks to the lifetime capital gains exemption. But the harsh reality? Most Canadian small business owners never sell — and if they do, the price tag is often far lower than expected. This episode unpacks a real-world case of a tech consultant earning 7 figures in revenue, yet struggling to make the business saleable.By listening, you'll discover:Why top-line revenue means little if your business relies solely on youThe truth about qualifying for Canada's lifetime capital gains exemption (and how few actually do)A smarter corporate structure that protects your wealth and gives you real retirement optionsIf you're building a business with the dream of one day selling it — press play now to find out if that dream is really within reach.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 entrepreneurs seeking financial freedom and early retirement, building a business isn't just about revenue — it's about structuring for long-term wealth. Whether you're navigating a potential business sale, planning around the capital gains exemption, or optimizing your corporate structure, effective financial planning is essential. From salary vs dividends strategies to RRSP optimization, real estate investing in Canada, and leveraging corporate wealth planning, the right system can support a modest lifestyle wealth approach or ambitious financial independence goals. Through expert business valuation, capital gains strategies, and tax-efficient investing, small business owners can align their Canadian wealth plan witReady 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.

In this jam-packed episode of MiCannaCast, hosts CannaDave and Groovee finally sit down after a whirlwind summer of cannabis culture, music, and events. This one's for the real heads: part review, part industry roundtable, part storytelling session – all unfiltered.We kick things off with a Best in Grass review of Candela's Live Resin Moonrocks (Log Cabin x Apollo).What starts out as an exciting product quickly turns into a sticky adventure: clogged grinders, resin everywhere, and a brutally honest breakdown of how it smokes, tastes, and whether it's worth your time. Expect candid scores, nostalgic talk about tarantula joints, and a lot of laughs as the sticky mess takes over the studio.From there, the conversation widens into Michigan's cannabis industry:Why the market is oversaturated with weed but short on cash flow (“too much weed, not enough green”)CRA fines, regulations, and whether enforcement is helping or hurtingThe wave of big companies leaving Michigan – and why community, quality, and brand loyalty matter more than giant facilities and hype names.What it takes to survive in a market where everyone has “fire” but only a few build a real following, andBecause it's MiCannaCast, there's plenty of life outside the smoke too:Big Dub Festival & Harem Recap – the people, the music, the vibesGroovy's intense and transformative sweat lodge ceremony (and why it's not for the faint of heart)Summer event plans include Summer & Smoke Out in the UP, grassroots cannabis events, giveaways, and moreThis episode is a ride through sticky moonrocks, candid cannabis truths, and the real culture that fuels the community.Whether you're here for honest reviews, industry talk, or just to feel like you're sitting in the room with friends after a long summer – hit play, roll one up, and join us.Chapters / Show Notes00:00 – Opening banter: catching up after a busy summer02:41 – Best in Grass review intro: Candela Live Resin Moonrocks (Log Cabin x Apollo)06:31 – Moonrock unboxing: sticky grinder, smell, and first impressions13:21 – Rolling & smoking the moonrocks: burnability and flavor struggles20:31 – Final scores and thoughts on the moonrock product24:31 – News update: CRA fines and Michigan cannabis enforcement30:11 – Oversaturated Michigan market: “too much weed, not enough green”42:01 – Building a brand vs. just buying one: Cookies & Gage example48:01 – Festival recap: Harem vendors, glassblowing, community events52:01 – Groovy's sweat lodge experience and Big Dub Festival highlights55:01 – Looking ahead: Summer & Smoke Out, giveaways, and closing shout-outs

Podcast: The Industrial Security Podcast (LS 36 · TOP 3% what is this?)Episode: NIS2 and the Cyber Resilience Act (CRA) [The Industrial Security Podcast]Pub date: 2025-07-28Get Podcast Transcript →powered by Listen411 - fast audio-to-text and summarizationNIS2 legislation is late in many EU countries, and the new CRA applies to most suppliers of industrial / OT computerized and software products to the EU. Christina Kiefer, attorney at reuschlaw, walks us through what's new and what it means for vendors, as well as for owner / operators.The podcast and artwork embedded on this page are from PI Media, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

NIS2 legislation is late in many EU countries, and the new CRA applies to most suppliers of industrial / OT computerized and software products to the EU. Christina Kiefer, attorney at reuschlaw, walks us through what's new and what it means for vendors, as well as for owner / operators.

NIS2 legislation is late in many EU countries, and the new CRA applies to most suppliers of industrial / OT computerized and software products to the EU. Christina Kiefer, attorney at reuschlaw, walks us through what's new and what it means for vendors, as well as for owner / operators.

We take a deeper dive into some of the most prevalent terpenes, a cannabis company facing a bill from the CRA – excise tax on their stolen product, and Alberta updates their laws to allow cannabis and age-gated events. We stop on Cultivar Corner, brought to you by Up In Smoke, we sample Charlie's Pineapple Reserve Honey Bananas Live Rosin.The top terpenesStolen product tax billAge gated cannabis salesCharlie's Pineapple Reserve Honey Bananas Live Rosin 

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereWhat if you could turn a $60K starter home into a launchpad for long-term financial freedom—by age 25?Too many young families feel stuck between rising housing costs and stagnant incomes. But what if smart planning, not a six-figure salary, was the real key to building wealth? This episode breaks down how one listener from Nova Scotia used house hacking, vision-driven sacrifice, and strategic leverage to take bold steps toward financial independence—without chasing the typical “dream home.”You'll discover:How a modest, mortgage-free property became a springboard to purchasing a cash-flowing triplex.The mindset shifts and trade-offs that accelerated their wealth plan—despite a single income and two young kids.What numbers to analyze (and red flags to check) before jumping into your first or next real estate deal.Ready to learn how long-term vision can beat short-term lifestyle upgrades? Hit play and see how this 25-year-old is rewriting the early wealth-building rulebook.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.Young investors in Canada are redefining what it means to build wealth by leveraging real estate, strategic financial planning, and long-term vision. Through smart investment strategies—like using mortgage-free equity to generate cash flow from rental properties—they're accelerating toward financial independence and early retirement. A modest lifestyle paired with tax-efficient investing, proper insurance coverage, and tools like RRSP optimization and corporate structure planning can unlock powerful wealth-building potential. By aligning personal and corporate tax strategies, using detailed property analysis, and diversifying across investment buckets, these CanadiReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

What if 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).

Tom Foley began 2021 as the new Executive Director of National Disability Institute (NDI).Trained as a tax lawyer and financial planner, Tom has more than 30 years of experience in the disability community. As a person who is blind, he has been an advocate and dedicated his career to partnering with other thought leaders to address the complex drivers of economic inequality and create pathways to employment and financial security for the most vulnerable communities. In addition, Tom has been instrumental in developing and influencing federal and state legislation to encourage employment and increase participation of people with disabilities in employment and wealth-building programs. He most recently held the position of Managing Director at the World Institute on Disability.Tom says: I think financial institutions, educators and banks each have to recognize the disability community as a specific market segment of the population that have been traditionally underserved and have a demonstrated need for access to financial tools and services. Once they make the decision to work with the disability community, they need to partner with organizations who are particularly well-positioned to provide industry technical assistance to reach the disability community and further the financial industry's inclusion goals – like National Disability Institute. For example, NDI reaches two million people per year and has been doing this for 15 years. We are particularly well situated, through our research, policy and practice, to reach this community.In addition, it's important for banks and financial institutions to target people with disabilities through their CRA activities. NDI's Center for Disability-Inclusive Community Development (CDICD) works to improve the usage of the opportunities and resources available under the Community Reinvestment Act (CRA). This is really important as millions of dollars, that could help people with disabilities in LMI communities, goes unspent every year. Through NDI's research, we've identified that Black, Indigenous and People of Color (BIPOC) communities with disability are the most underserved. How do we change this? Financial institutions, in particular, need to make a concerted effort to work with and support this segment of the community. In addition, we, the disability community, need to be intentional in our own efforts to better address these issues.© 2025 All Rights Reserved© 2025 Building Abundant Success!!Join Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASSpot Me on Spotify: https://tinyurl.com/yxuy23baAmazon ~ https://tinyurl.com/AmzBASAudacy:  https://tinyurl.com/BASAud

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 struggling to help your aging parents make smart financial decisions—without damaging trust or creating tension?Many mid-life wealth builders face a unique challenge: balancing their own financial growth while stepping in to guide a parent's conservative but tax-heavy investment portfolio. This episode unpacks one listener's real-world situation, offering ways to approach these delicate conversations and uncover better legacy planning solutions—without stepping on emotional landmines.Here's what you'll walk away with:A practical framework to open estate planning discussions without triggering resistanceTwo creative, real-life strategies—intergenerational lending and participating whole life insurance—that can benefit both generationsCoaching-style questions that build trust, surface financial fears, and clarify legacy goalsPress play to learn how to guide your loved ones—and your family's financial future—with confidence and care.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.Navigating the path to financial independence in Canada requires more than just smart saving—it demands a holistic approach to estate planning, wealth optimization, and financial literacy. Whether you're managing parental finances, seeking financial coaching, or building intergenerational wealth, it's essential to align your goals with proven investment strategies and retirement planning tools. This includes everything from RRSP optimization, salary vs dividends decisions, and capital gains strategies, to more advanced moves like corporate wealth planning, tax-efficient investing, and corporate structure optimization. By setting a clear financial vision, using structured investment bucket stratReady 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.

Neste episódio do "Agro em Pauta", Ligia Pedrini conversa com a advogada Ticiane Figueiredo sobre os desafios e possibilidades do acesso ao crédito rural no Brasil. Ticiane compartilha sua trajetória profissional e sua conexão pessoal com o agro, destacando como a documentação, governança e gestão da propriedade rural são fatores decisivos para conseguir financiamentos. FICHA TÉCNICAApresentação: Lígia PedriniProdução: Agro ResenhaConvidado: Ticiane FigueiredoEdição: Senhor A - https://editorsenhor-a.com.brSee 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 hereShould you pull your corporate cash into your RRSP—or let it grow inside your company?If you've sold your business or have a chunk of money trapped in a corporation, you're probably wondering: what's the smartest way to grow and eventually access that wealth? Should you protect it from taxes now, or maximize flexibility for future business moves and personal spending? This episode unpacks the tough choices entrepreneurs face when shifting from business owner to solopreneur.Understand when investing inside your corporation beats funneling funds into an RRSP—and when it doesn't.Learn how to avoid locking up your wealth in ways that limit your future plans, whether it's buying real estate, funding retirement, or starting a new venture.Get a clear, practical framework for deciding how to split your money between corporate investments and personal retirement savings.Press play now to stop guessing and start building a tax-smart wealth plan that fits your next chapter.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 demands a clear financial vision and smart strategies across your financial buckets. Whether you're a Canadian entrepreneur navigating salary vs. dividends decisions, or a business owner seeking corporate wealth planning insights, balancing personal vs. corporate tax planning is key. With a focus on RRSP optimization, tax-efficient investing, and capital gains strategies, your financial plan should align with your goals for financial freedom in Canada and early retirement. From managing corporate wealth and optimizing RRSP room to creating diversification through real estate investing Canada and passive income 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.

On this episode of Banking on KC, Kindra Sheridan, Assistant Vice President of CRA and Fair Lending at Country Club Bank, joins host Kelly Scanlon to discuss how the Finance Makes Sense program meets participants where they are, providing practical financial education that empowers individuals and strengthens communities. Tune in to discover: 1. Why understanding banking fundamentals is key to breaking cycles of financial instability. 2. How Finance Makes Cents customizes its curriculum to fit the unique needs of diverse community partners—from high schools to funeral homes. 3. The broader economic and community benefits of widespread financial literacy, and how CRA efforts support inclusive growth. Country Club Bank – Member FDIC

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 holding back from your next investment move or sticking to your retirement goals because you're concerned of being wrong?Too many entrepreneurs and investors get stuck chasing “the right decision” instead of designing a system that lets them handle mistakes. In this episode, Jon Orr breaks down why avoiding failure limits your success—and how to rethink risk so you can move forward with confidence, even when things don't go as planned.Here's what you'll take away from this episode:A mindset shift that helps you embrace uncertainty instead of fearing it.Practical strategies to build a financial system that protects you when risks don't pay off.How to spot and overcome the hidden biases—like loss aversion and sunk cost fallacy—that are sabotaging your decisions.Stop waiting for certainty—press play now and learn how to build a system that succeeds even when you're wrong.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 takes more than just smart saving—it requires the right mindset and a system built to adapt when things don't go as planned. Too often, Canadian entrepreneurs and investors fall into traps like loss aversion, sunk cost fallacy, and overconfidence bias, holding them back from seizing real opportunities for business growth and wealth building. In this episode, we break down how effective financial planning, risk management, and decision making—paired with strategies like RRSP optimization, corporate wealth planning, and tax-efficient investing—can help you design a Canadian wealth plan that supports your financial independence and early retirement strategy. Whether you're navigating salary vs dividends in Canada, creating pReady 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.

Der (Alb-)Traum vieler Hörer – eine Folge Passwort nur mit News zu Zertifikatsinfrastrukturen. Es gibt aber auch viel Neues zu berichten: von Zertifizierungsstellen, die interessante neue Lösungen bauen, über Zertifizierungsstellen, die Fehler in komischen alten Lösungen machen, und Zertifizierungsstellen, die Dinge einfach anders machen wollen als die Browser, bis zu Zertifizierungsstellen, die in Telefonen stecken. Das klingt nicht nur komisch, sondern auch unsicher, weshalb Christopher und Sylvester es sich genauer angesehen haben. - The CRA and what it means for us (Greg Kroah-Hartman): https://www.youtube.com/watch?v=u44eMQpGlxA - Security: Wie sich der Cyber Resilience Act auf Open-Source-Projekte auswirkt: https://heise.de/-10450910 - Yealink-Artikel von DNIP: https://dnip.ch/2025/06/25/yealink-voip-phones-insecurity-by-design/ - Ver- und Entschlüsselung der Yealink-Firmware: https://stefan-gloor.ch/voip-phone-hack - Mastodon-Account mit VNC-Servern https://fedi.computernewb.com/@vncresolver - Diskussion über ssl.com-Fehler im Mozilla-Bugtracker: https://bugzilla.mozilla.org/show_bug.cgi?id=1961406 - Betreibt Euer eigenes CT-Log: https://words.filippo.io/run-sunlight/#fn:bw - Folgt uns im Fediverse: - @christopherkunz@chaos.social - @syt@social.heise.de Mitglieder unserer Security Community auf heise security PRO hören alle Folgen bereits zwei Tage früher. Mehr Infos: https://pro.heise.de/passwort

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 saving your age with a backdated participating whole life insurance policy really the smartest financial move—or could it cost you more than it saves?If you've ever considered using participating whole life insurance for wealth preservation, you've likely heard about backdating to lock in a younger age. But what if that age-saving strategy means compromising your cash value in the short term—or worse, limiting your ability to fund the policy fully? Whether you're starting a corporate-owned participating whole life insurance policy or planning for long-term estate growth, the funding strategy you choose can make or break your outcome.In this episode, you'll discover:How backdating a policy by 6 to 12 months affects both cash value and death benefit over time.Why saving age isn't always worth it—especially if you can't max fund in year one.When a backdated policy makes sense, particularly for those with a large upfront lump sum to contribute.Press play to learn how to structure your life insurance strategy for maximum flexibility, long-term value, and alignment with your wealth goals.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.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 hereWhat if the key to unlocking your next financial breakthrough isn't the plan itself—but who's with you along the way?Too many entrepreneurs and investors try to build wealth in isolation, only to stall out when uncertainty hits. But history—and your own financial future—show that the most successful journeys are rarely solo. Whether you're navigating corporate wealth strategies or personal investing, having the right guide and proven pathway changes everything.In this episode, you'll discover:Why every financial success story—business or personal—starts with finding the right partners and coaches.How to identify and follow a proven wealth-building pathway while customizing it for your unique goals.Real-world strategies, like leveraging your corporate wealth through whole life insurance, to unlock new investment opportunitiesPress play now and learn how to stop guessing and start building your wealth with clarity, confidence, and the right partners by your side.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 just saving—it takes strategic partnerships, expert guides, and a clear financial vision. Whether you're a Canadian entrepreneur focused on corporate wealth planning or an investor exploring real estate investing in Canada, building long-term wealth starts with collaboration and proven pathways. Through coaching, teamwork, and tailored financial planning, you can master tax-efficient investing, optimize RRSP room, and balance salary vs dividends for maximum business success. Learn how financial buckets, passive income planning, and capital gains strategies fit into your modest lifestyle wealth or early retirement stratReady 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 a Canadian business owner earning more than $500K in your corporation — and unknowingly setting yourself up for a surprise tax bill?Many incorporated Canadian entrepreneurs get caught off guard when they grow too fast and cross key income thresholds. That growth feels great—until the CRA takes a bigger slice than expected. If you've ever been hit with an unexpected tax bill, or you're unsure if your salary-dividend mix is working for you, this episode is a must-listen.In this episode, you'll discover:Why crossing the $500,000 net operating income mark can double your corporate tax rate — and what to do about itThe smart way to structure your salary vs. dividends to keep more money in your pocket, not locked in your corporation.How to front-run tax surprises with timely planning, and use RRSPs and payroll adjustments to your advantage.Press play to learn how to turn a “good problem” — making more money — into a long-term wealth strategy, not a tax trap.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.Navigating the complexities of the Canadian tax system is critical for business owners who want to build long-term wealth and achieve financial independence in Canada. From managing surprise tax bills to balancing salary vs dividends, corporate wealth planning demands strategic financial optimization. A well-structured Canadian wealth plan blends personal finance with corporate tax efficiency, enabling smart investment bucket strategies, RRSP optimization, and capital gains planning. Whether you're aiming for early retirement, growing passive income, or legacy planning, aligning your financial systems with clear vision setting and using tailored tax strategies can make all thReady 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.

No novo episódio do Agro & Tech, Lucas Ordonha recebe Bernardo Madeira e Renato Bellelis da Farmie para um bate-papo sobre rastreabilidade no agronegócio. Eles revelam como tecnologias como blockchain e NFTs estão revolucionando o setor, garantindo conformidade ambiental, segurança alimentar e preparando produtores brasileiros para exigências internacionais, como a nova legislação da União Europeia. Um papo essencial para quem vive ou acompanha a evolução do agro dentro e fora da porteira! #agroetech FICHA TÉCNICAApresentação: Lucas OrdonhaProdução: Agro ResenhaConvidado: Renato Bellelis e Bernardo MadeiraEdição: Senhor A - https://editorsenhor-a.com.brSee omnystudio.com/listener for privacy information.

In this episode, Joe Curry breaks down smart, simple, and tax-efficient strategies to pass on your wealth in Canada—so your legacy goes to your loved ones, not the CRA. Whether you've built your nest egg through saving, investing, or selling a business, this episode is packed with insights you can use. Check out the show notes for EP148 HERE

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 hereIf you're a Canadian business owner juggling retained earnings, long-term growth, and real estate goals, this episode unpacks a real-world strategy you can't afford to miss. Discover how an Ontario chiropractor used a corporately owned whole life insurance policy not just for protection—but to fast-track a major real estate purchase ahead of schedule.Here's what you'll take away:How to build and leverage a corporate wealth reservoir to fund opportunities like property ownership.Why maintaining liquidity can keep your business flexible during emergencies and unexpected investments.A smart structure for blending policy loans and mortgages to optimize tax efficiency and long-term returns.Press play now to learn how a proactive wealth strategy can help you stay ready for opportunity—and never caught off guard.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.In today's evolving financial landscape, Canadian entrepreneurs—especially professionals like those in the chiropractic business—are increasingly leveraging whole life insurance as a cornerstone of corporate wealth planning. This powerful tool helps build a corporate wealth reservoir that enhances liquidity, enabling strategic moves such as real estate investing Canada-style, all while maintaining tax efficiency. By integrating this approach into a broader Canadian wealth plan, business owners can optimize financial buckets, implement retirement planning tools, and align personal vs corporate tax planning for long-term success. Whether you're focused on capital gains strategy, RRSP optimization, or corporate structure optimization, the right investment strategy can support financial freedom Canada, a modest lifestyle wealth outlook, andReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

How does a student entrepreneur evolve into a global executive leading billion-dollar projects? Jason Haelzle shares the mindset and milestones behind his rise from Student Works to the world stage.In this episode of the Leaders of Tomorrow podcast, Chris Thomson sits down with Jason—now Principal and Vice President at GHD—to explore how he balanced academics, competitive hockey, and running a Student Works business as a teen, and how those early experiences shaped his leadership style today. Jason walks us through his career journey, from joining a 400-person engineering firm right out of university to helping it grow into a 10,000-person multinational organization.He shares why working in a global company opens doors to high-impact, large-scale projects, and how adaptability, teamwork, and resilience were the key factors that fueled his rise. Aspiring leaders will walk away from this conversation with practical insights on embracing failure, seizing opportunity, and redefining success at every stage.Enjoy!In This Episode You'll Learn:How Jason managed to excel in school, hockey, and entrepreneurship as a teenHow Student Works laid the foundation for Jason's future leadership skillsThe leadership traits that helped Jason climb to Principal and VPHow large companies offer access to global opportunities and bigger projectsWhat Jason learned from his biggest failures—and how he turned them into fuelJason's advice for new and aspiring entrepreneursAnd much more...Guest Bio:Jason Haelzle is a Principal and Vice President at GHD, a global engineering and professional services firm. A former national-level hockey player and Student Works standout, Jason has built a career defined by growth, adaptability, and leadership. He played a key role in the expansion of CRA before its merger with GHD and now oversees major infrastructure projects around the world.Resources:Student WorksConnect with Jason on LinkedInDisclaimer:The views, information, or opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of Leaders of Tomorrow podcast or its affiliates. The content provided is for informational and entertainment purposes only and is not intended to be a substitute for professional advice. We make no representations as to the accuracy, completeness, suitability, or validity of any information on this podcast and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. Listeners should consult with a professional for specific advice tailored to their situation. By accessing this podcast, you acknowledge that any reliance on the content is at your own risk.

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 missing out on a hidden tax-free opportunity inside your corporation?If you've sold a Canadian business or a corporate-held property and now face the question of where to grow your money — inside your corp or in your personal name — this episode is essential listening. Many Canadian incorporated professionals overlook critical tax planning tools that could massively boost their personal wealth and estate efficiency.In this episode, you'll discover:How to use the Capital Dividend Account (CDA) to move money out of your corp tax-free — and when it's the smartest move.Why holding low-yield investments like T-bills inside your corporation could be costing you more than you think.How permanent life insurance — even on your children — can become a powerful estate and tax optimization tool.Hit play now to learn how to turn overlooked tax strategies into serious long-term wealth advantages.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 entrepreneurs focused on financial freedom and long-term wealth building, understanding how to integrate personal and corporate finance is essential. Leveraging tools like the capital dividend account and strategies such as salary vs dividends Canada, capital gains planning, and corporate structure optimization can significantly boost tax efficiency and retirement planning outcomes. Through a well-structured corporate wealth blueprint, young entrepreneurs and seasoned business owners alike can align financial systems with investment strategies, using personal financial buckets and RRSP optimization to build and protect assets. Canadian wealth secrets lie in mastering the nuances of incorporation, real estate, and small business finaReady 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's the real reason your business—or your wealth plan—isn't worth as much as you think?Whether you're planning to sell your business in Canada or just want to build lasting wealth, most owners overlook the systems that quietly drive long-term value. If your plan is chaotic, unclear, or overly dependent on you, you're not building freedom—you're just building another job.In this episode, you'll discover:Why "you can't sell chaos" and how that applies to your personal wealth journey.The four essential phases every Canadian business owner must master to prepare for sale or financial independence.How to give every dollar in your business two jobs—so you build assets while staying tax-efficient.Press play now to rethink how you're building value—inside your business and beyond.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 smart investment—it demands a clear financial vision, optimized systems, and a comprehensive Canadian wealth plan. Whether you're preparing for a business sale or strategizing your early retirement, aligning personal finance with corporate wealth planning is essential. Key areas like RRSP optimization, salary vs dividends Canada, and capital gains strategy can unlock significant business owner tax savings. By leveraging financial buckets and passive income planning through real estate investing Canada or corporation investment strategies, Canadian entrepreneurs can create scalable, tax-efficient investing systems. From personal vs corporate tax planning to estate planning Canada, each decision impacts your path toward financial independence Canada. The goal isn't just financial freedom—it's generationReady 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.

I am very happy to have this next guest to the Podcast. I love talking with people who are trying to affect change in our hospitality industry. Mark von Shellwitz has been representing Western Canada on behalf of Restaurants Canada for almost 30years. We dive right into some of the tough subjects, from tipping, to work safe and CRA, to his long history tied to the more political side or policy side of this complicated business. It was great chatting with him and better understanding his role and the national role that Restaurants Canada does for all of us. I hope you enjoy the conversation and as always if you know of someone I should chat with please DM me their contact information. Send us your feedback

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 dream vacation property is actually delaying your path to early retirement?You're hustling to build wealth, investing in real estate, running your business, and maybe even fantasizing about a peaceful cabin escape. But here's the question: are your current financial moves bringing you closer to freedom—or quietly costing you years of progress? In this episode, Kyle and Jon unpack a real conversation with a Canadian business owner who seems on track—until the numbers tell a different story.You'll discover:Why real estate investments that “feel good” can still be cash flow trapsHow to avoid mistaking net worth for true financial freedomA framework for evaluating whether your lifestyle goals and investment strategies are actually alignedHit play now to learn how to clarify your wealth vision, optimize for cash flow, and build a roadmap that gets you where you really want to go.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 just saving aggressively—it demands clear vision planning, strategic investment strategies, and a deep understanding of corporate wealth planning. Whether you're navigating real estate investing in Canada, weighing salary vs dividends, or optimizing your RRSP room, the right Canadian wealth plan blends financial buckets, capital gains strategy, and tax-efficient investing. For business owners, aligning your corporate structure with your long-term financial independence goals is crucial. From property management decisions to balancing personal vs corporate tax planning, building cash flow through diversified assets and passive income planning supports both your modest lifestyle wealth today anReady 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 sacrificing your home's capital gains tax exemption really a deal breaker when it comes to house hacking in Canada?For many Canadians, homeownership feels like an impossible leap — especially in cities like Toronto and Vancouver. But what if there was a way to enter the housing market and build wealth without waiting for the perfect conditions or a lucky windfall of capital? This episode unpacks house hacking in Canada: a realistic, boots-on-the-ground strategy to start generating income, reduce expenses, and accelerate your financial freedom — especially if you're just getting started.Here's what you'll walk away with:A clear financial breakdown of how house hacking in Canada stacks up against giving up a portion of your Canadian capital gains exemption — including real numbers and scenarios.A deeper understanding of what you actually gain (and lose) when sharing your space through a Canadian house hack — from income tax deductions to some of that long-term capital gain.A strategic lens to decide if house hacking in Canada fits your life phase, partnership dynamics, and wealth-building goals.Hit play now to find out if house hacking in Canada could be your smartest first move toward Canadian 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 corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.House hacking in Canada isn't just a creative workaround for high home prices—it's a strategic entry point into real estate investing that, when done right, aligns with long-term wealth-building goals. For Canadians navigating rising costs and limited housing supply, this episode breaks down how to legally and profitably offset ownership expenses using your primary residence. From capital gains tax 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.

In the podcast “2023 CRA Rule Repeal: Lessons to be Learned,” Dean Stockford and Len Suzio discuss the potential repeal of the complex 2023 Community Reinvestment Act (CRA) rule and argue that, despite its likely demise, valuable insights can still be drawn from it. Len highlights that the 2023 rule introduced a breakthrough by offering calibrated numerical benchmarks for CRA performance ratings—something previous rules lacked—which gave bankers a clearer way to measure and self-assess their CRA performance against both market and demographic standards. The conversation also notes that, while the new rule provided clarity on how to resolve conflicting performance results and prioritize ratings, its approach to consumer loans—making auto loans a key focus and sidelining other consumer loans—signals a shift in regulatory priorities. Ultimately, they agree that even if the 2023 rule is repealed, its measurement standards and lessons can help bankers better navigate the otherwise vague and inconsistent legacy CRA evaluation process. Brought to you by GeoDataVision and M&M Consulting

Every day this week, we're going to take a closer look at the “One Big Beautiful Bill,” which aims to enact President Donald Trump's agenda. It proposes a tax cut and increased spending for border security and the military. It also includes cuts to health, nutrition, education and clean energy programs. Today, we explain the rules around what provisions can go into reconciliation bills, and where the bill currently stands in the legislation process now. Plus, we answer questions from listeners on how the bill could affect their student loans and access to higher education.Here's everything we talked about today:“Senate sidesteps parliamentarian, widens reach of CRA” from Roll Call“Republicans face critical week on Trump megabill” from The Hill“The Senate is assessing the "Big Beautiful Bill" line by line to eliminate non-budgetary measures” from Marketplace“Senate Republican education plan may trigger ‘avalanche of student loan defaults,' expert says” from CNBCGot a question for the hosts? Email makemesmart@marketplace.org or leave us a voicemail at 508-U-B-SMART.

Every day this week, we're going to take a closer look at the “One Big Beautiful Bill,” which aims to enact President Donald Trump's agenda. It proposes a tax cut and increased spending for border security and the military. It also includes cuts to health, nutrition, education and clean energy programs. Today, we explain the rules around what provisions can go into reconciliation bills, and where the bill currently stands in the legislation process now. Plus, we answer questions from listeners on how the bill could affect their student loans and access to higher education.Here's everything we talked about today:“Senate sidesteps parliamentarian, widens reach of CRA” from Roll Call“Republicans face critical week on Trump megabill” from The Hill“The Senate is assessing the "Big Beautiful Bill" line by line to eliminate non-budgetary measures” from Marketplace“Senate Republican education plan may trigger ‘avalanche of student loan defaults,' expert says” from CNBCGot a question for the hosts? Email makemesmart@marketplace.org or leave us a voicemail at 508-U-B-SMART.

Emergency declarations are causing problems, but some in Congress want FMCSA to clean up the situation. Also, insurance questions can pop up when you lease on to a motor carrier. Then, truckers and enforcement have had an ongoing disagreement about the use of personal conveyance. And now enforcement wants changes. And Congress has stepped in to put a stop to some of CARB's emission regulations. 0:00 – Lawmakers to FMCSA: Fix emergency declarations 10:12 – Insurance considerations when you lease on 24:48 – What is the right way to handle personal conveyance? 39:16 – Congressional action halts CARB rule – for now, at least

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 trying to scale your real estate investments while navigating the complexities of day trading profits, corporate structures, and tax strategy?If you're building wealth through real estate and trading but feeling unsure about how to structure your finances for growth, this episode cuts through the noise. From managing income inside a Canadian corporation to optimizing your tax position and knowing when to use personal vs. business funds—this is a deep dive into smart, scalable investing.Here's what you'll walk away with:A clear understanding of how to structure active trading income for maximum reinvestment and minimum tax drag.Strategic guidance on when to keep properties in your personal name versus transferring to a Canadian corporation.Insights on using holding companies, shareholder loans, and even RRSPs to fund future real estate acquisitions—all while staying liquid and protected.Press play now to learn how to build a high-performance wealth strategy that supports both day trading and long-term real estate growth.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.Navigating the world of day trading and real estate is only the beginning for entrepreneurs looking to master wealth generation in Canada. True financial growth demands deep financial literacy and smart investment strategies that go beyond basic mutual funds and ETFs. From optimizing RRSP room and leveraging capital gains to understanding the nuances of salary vs dividends in Canada, it's essential to align your corporate structure with your long-term goals. Whether you're exploring alternative investments, managing property investments, or using the Smith Maneuver to maximize your mortgage, having a sound pReady 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 risking your financial future by blindly following the use “Other People's Money (OPM)” playbook in real estate investing?If you've ever been tempted by social media gurus promising Canadian real estate investment riches without using your own cash, this episode is your wake-up call. Before you borrow a dime, you need to understand what Canadian mortgage lenders and private lenders really look for, when “Other People's Money (OPM)” crosses legal lines, and how over-leveraging could quietly destroy your financial wealth health—and relationships.In this episode, you'll learn:The legal and financial traps behind gift letters, Canadian mortgages, private lending, and misused HELOCs.Smarter, safer ways to structure real estate joint ventures and family real estate lending deals—without causing drama (or fraud).How to assess your true readiness for using leverage to invest, and why a conservative strategy can actually accelerate your Canadian wealth.Press play now to uncover the real risks and rewards of using Other People's Money (OPM) — and avoid the mistakes that cost Canadian real estate investors more than just money.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 real estate investing with Other People's Money (OPM) isn't a cheat code—it's a high-risk strategy that demands careful planning and legal awareness. For Canadian investors and entrepreneurs, understanding how to legally structure joint ventures, private lending, and HELOC strategies is essential to avoid financial disaster. This episode explores OPM pitfalls like fake gift letters, overleveraging, and misused Canadian mortgage lending rules. Discover how smart Canadian investors assess risk, 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.

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 does a nearly perfect Canadian financial freedom health score look like — and where do even the best wealth planners stumble?If you're working hard, investing smart, and wondering if you're truly on track for financial independence, this episode is your blueprint. You'll follow Frederick, a disciplined 49-year-old professional in Toronto, as he navigates all four key phases of a healthy Canadian wealth plan — and discover where his strong financial strategies still need refinement. Whether you're eyeing early retirement, optimizing investments, or building a legacy that lasts, you'll hear what works and what needs tweaking.In this episode, you'll learn:How a modest lifestyle and strategic renting can supercharge your Canadian wealth-building efforts.Why clarity around your financial vision — including your “financial freedom number” — is non-negotiable for early retirement.Where most high earners miss the mark on legacy planning and how one tool can simultaneously solve three major financial gaps.Hit play to see how your Canadian wealth plan stacks up — and what it takes to turn near-perfect into complete confidence.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.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 actiReady 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 would you do if you had $60,000 available on your Home Equity Line of Credit (HELOC), a stable job, and a dream of real estate investing—but fear, family dynamics, and financial uncertainty kept holding you back?You're not alone if you're sitting on opportunity yet paralyzed by “what ifs.” Maybe you're eager to dive into Canadian real estate investing, but the numbers feel tight, you're unsure who to partner with, or you're worried one wrong move could strain your Canadian finances—or your relationships. This episode unpacks those exact tensions, helping you turn potential into an actual Canadian wealth building plan.Listen in to discover:Why stretching yourself too thin—even with a “perfect” rental property—can sabotage long-term success.How to create a Canadian real estate investing entry plan that includes margin, emergency cushions, and smart capital structuring.Real-world alternatives to solo investing—including joint venture (JV) partnerships and family agreements—that reduce risk while building momentum.Hit play now to hear how Randy's Canadian real estate investment story could mirror your own—and the concrete next steps to get off the sidelines and into action.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.Are you a Canadian business owner or incorporated professional looking to unlock the full potential of your personal and corporate wealth? In this episode, we explore how to strategically use home equity, optimize financial buckets, and decide between RRSP contributions or real estate investing through tools like the Smith Maneuver. Discover how to balance cash flow, minimize tax, and build a resilient wealth plan—without compromising your lifestyle or family dReady 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 introduction of the Cyber Resilience Act (CRA) marks a major shift for the software industry: for the first time, manufacturers are being held accountable for the cybersecurity of their products. Olle E. Johansson, a long-time open source developer and contributor to the Asterisk PBX project, explains how this new regulation reshapes the role of software creators and introduces the need for transparency across the entire supply chain.In this episode, Johansson breaks down the complexity of today's software supply ecosystems—where manufacturers rely heavily on open source components, and end users struggle to identify vulnerabilities buried deep in third-party dependencies. With the CRA in place, the burden now falls on manufacturers to not only track but also report on the components in their products. That includes actively communicating which vulnerabilities affect users—and which do not.To make this manageable, Johansson introduces the Transparency Exchange API (TEA), a project rooted in the OWASP CycloneDX standard. What started as a simple Software Bill of Materials (SBOM) delivery mechanism has evolved into a broader platform for sharing vulnerability information, attestations, documentation, and even cryptographic data necessary for the post-quantum transition. Standardizing this API through Ecma International is a major step toward a scalable, automated supply chain security infrastructure.The episode also highlights the importance of automation and shared data formats in enabling companies to react quickly to threats like Log4j. Johansson notes that, historically, security teams spent countless hours manually assessing whether they were affected by a specific vulnerability. The Transparency Exchange API aims to change that by automating the entire feedback loop from developer to manufacturer to end user.Although still in beta, the project is gaining traction with organizations like the Apache Foundation integrating it into their release processes. Johansson emphasizes that community feedback is essential and invites listeners to engage through GitHub to help shape the project's future.For Johansson, OWASP stands for global knowledge and collaboration in application security. As Europe's regulatory influence grows, initiatives like this are essential to build a stronger, more accountable software ecosystem.GUEST: Olle E Johansson | Co-Founder, SBOM Europe | https://www.linkedin.com/in/ollejohansson/HOST:Sean Martin, Co-Founder at ITSPmagazine and Host of Redefining CyberSecurity Podcast | https://www.seanmartin.comSPONSORSManicode Security: https://itspm.ag/manicode-security-7q8iRESOURCESCycloneDX/transparency-exchange-api on GitHub: https://github.com/CycloneDX/transparency-exchange-apiVIDEO: The Cyber Resilience Act: How the EU is Reshaping Digital Product Security | With Sarah Fluchs: https://youtu.be/c30eG5kzqnYLearn more and catch more stories from OWASP AppSec Global 2025 Barcelona coverage: https://www.itspmagazine.com/owasp-global-appsec-barcelona-2025-application-security-event-coverage-in-catalunya-spainCatch all of our event coverage: https://www.itspmagazine.com/technology-and-cybersecurity-conference-coverageWant to tell your Brand Story Briefing as part of our event coverage? Learn More

Join Jim and Greg for Tuesday's 3 Martini Lunch as they dig into the New York Times' latest attempt to undermine President Trump and congressional Republicans, Trump's push to reopen Alcatraz as a federal prison, and Michelle Obama's newest, tiresome complaints about life in the White House.First, they tear into the New York Times for framing the Congressional Review Act (CRA) as an “obscure” tool possibly being misused by Republicans to undo Biden-era regulations. The article warns readers that opponents can't filibuster CRA rollbacks—something the left suddenly finds troubling now that Republicans control Congress. Jim dismantles the Times' arguments, defends Trump's use of the CRA, and calls out the media's hypocritical coverage of these tactics.Next, they react to President Trump's call to reopen Alcatraz as a prison for the nation's most dangerous criminals. He also hints at sending criminal illegals there, blaming judges "that are afraid to do their job and allow us to remove criminals." Jim and Greg aren't sure that specifically rebuilding Alcatraz is the answer, but they do like the like of sending our worst criminals to places that will be remote and will become synonymous with a thoroughly miserable experience for the inmates. And some of their ideas for how to do this are out of this world.Finally, they roll their eyes at Michelle Obama's latest White House grievances—this time about paying for their own private meals and also travel for their children when the president wasn't with them. Jim and Greg are tired of how the Obamas continue to portray themselves as victims while enjoying elite status—but are enjoy seeing how their political influence continues to fade within the Democratic Party.Please visit our great sponsors:This podcast is sponsored by BetterHelp. We're all better with help. Visit https://BetterHelp.com/3ML to get 10% off your first month.This spring, get up to 50% off select plants at Fast Growing Trees with code MARTINI, plus an extra 15% off at checkout on your first purchase!  Visit https://fastgrowingtrees.com/MartiniFuture-proof business operations with NetSuite by Oracle. Visit https://NetSuite.com/MARTINI to download the CFO's Guide to AI and Machine Learning.