Podcasts about pension plans

In this episode, Nathan Fabian, Chief Sustainable Systems Officer at the PRI, examines rising economic inequality and why it poses a material, systemic risk for long-term investors. He is joined by Delaney Greig (Director of Investor Stewardship, University Pension Plan Ontario), Emma Douglas (Sustainable Investment & Stewardship Lead, Brightwell; BT Pension Scheme), and David Wood (Adjunct Lecturer in Public Policy, Harvard Kennedy School).Together, they explore how inequality affects economic stability, corporate performance, long-horizon portfolio returns, and what asset owners can do to respond.OverviewTen years after the adoption of the SDGs, inequality is increasing across major economies. The top 1% now holds over 40% of global wealth, and widening gaps in income, labour rights and access to opportunity are shaping economic and political outcomes.The guests discuss:Why inequality is a non-diversifiable, systemic riskHow it undermines growth, resilience and productivityThe implications for diversified investorsThe interplay between inequality, climate, nature and social outcomesHow asset owners can use stewardship, integration and policy engagement to address key driversDetailed Coverage1. Why inequality matters for investorsDelaney and Emma outline why rising inequality threatens long-term returns: weakening demand, increasing volatility, reducing workforce resilience, and fuelling political instability. Both highlight evidence linking excessive pay gaps and poor labour practices to weaker corporate performance.2. What the research showsDavid summarises major findings from the IMF, OECD and others showing that inequality constrains growth rather than accelerates it. He notes that investors have clearer data and frameworks today than ever before, and that social issues have become central to responsible investment.3. Making inequality actionableEmma discusses a new analysis tool developed with Cambri to map social risks across sectors, revealing under-examined areas such as technology, media and natural-resource-intensive industries.Delaney explains UPP's “top-and-bottom guardrails” approach, engaging on excessive executive pay at the top and fundamental labour rights at the bottom.4. Stewardship, integration and policyThe panel discusses:Embedding social risks into investment processesSector-level prioritisationCollective action on labour rightsThe emerging TISFD standardHow investors should (and should not) engage in political debates around taxation, labour markets and redistribution5. Looking aheadGuests reflect on:Strengthening investor–manager dialogueIntegrating inequality into capital allocation decisionsOpportunities in areas such as affordable housingAddressing market concentration and competition issuesThe need for aligned, collective advocacy from asset ownersChapters(0:00) - Introduction: Economic Inequality and Investment Risk (2:29) - Delaney Greg: Why Inequality Matters for Pension Plans (4:50) - Emma Douglas: Systemic Risk and Investment Opportunities (7:16) - David Wood: Research on Inequality and Growth (9:21) - Understanding the Drivers of Economic Inequality (11:51) - Emma's Approach: Using Data and AI for Social Risk Analysis (15:01) - Delaney's Strategy: Top-End and Bottom-End Guardrails (17:55) - Measuring Impact and Defining Success in Inequality Work (20:16) -...

Ridgeland Police Chief Brian Myers and New Albany Fire Chief Mark Whiteside said pending changes the Legislature made to the state employee retirement system will make it even harder to hire and retain first responders. They want the Legislature to revisit an overhaul of the Public Employee Retirement System set to take effect in March for those who serve in high-stress, low paying and dangerous first-responder jobs.

India Adds Gold & Silver To Pension Plan Options In the medal of the precious metals soaring to new all-time highs, and a surge of precious metals buying in India, India has just made a substantial change as they are now allowing gold and silver to be eligible for Indian pension plans. It's a substantial change and to find out more click to watch this video now! - Join our free email list to be notified when a new video comes out: click here: https://arcadiaeconomics.com/email-signup/ - Follow Arcadia Economics on twitter at: https://x.com/ArcadiaEconomic - To get your copy of 'The Big Silver Short' (paperback or audio) go to: https://arcadiaeconomics.com/thebigsilvershort/ - Listen to Arcadia Economics on your favorite Podcast platforms: Spotify - https://open.spotify.com/show/75OH2PpgUpriBA5mYf5kyY Apple - https://podcasts.apple.com/us/podcast/arcadia-economics/id1505398976 - #silver #silverprice #gold And remember to get outside and have some fun every once in a while!:) (URL0VD)Subscribe to Arcadia Economics on Soundwise

The  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, I'm discussing the early retirement bridge benefit for the defined benefit pension plan and the integration of CPP. It's all about dividend growth investing! Subscribe to the best free dividend investing newsletter: https://thedividendguyblog.com/newsletter Get the 20 income products guide for retirees: https://retirementloop.ca/income/ Get your Investment roadmap: https://dividendstocksrock.com/roadmap

In this episode of CIBC Mellon Industry Perspectives, Cynthia Shaw Pereira explores how Canadian institutions are approaching climate transition planning, moving beyond headline ESG debates to the practical work unfolding inside investment organizations. Cynthia is joined by Barb Zvan, President and CEO of University Pension Plan Ontario, and Fate Saghir, Senior Vice President and Head of Sustainability, Marketing, and Client Experience at Mackenzie Investments. Together, they discuss the data, governance, and long term risk considerations shaping credible transition plans. The episode offers a clear look at how leaders across the industry are preparing for the policy, market, and physical realities of climate change. myupp.ca., mackenzieinvestments.com., businessfuturepathways.ca., cibcmellon.comThis presentation contains the presenter's personal views and not those of CIBC Mellon or any other person. It may be considered advertising, and provides general information only and neither the presenter nor CIBC Mellon nor any other person are, by means of this presentation, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services.  This presentation is intended for general informational purposes only. It may not be regarded as comprehensive nor as a substitute for professional advice.  Before taking any particular course of action, contact your professional advisor to discuss these matters in the context of your particular circumstances.  Neither the presenter nor CIBC Mellon accept responsibility for any loss or damage occasioned by your reliance on information contained in this presentation. ©2025 CIBC Mellon. CIBC Mellon is a licensed user of the CIBC trade-mark and certain BNY trade-marks, and is the corporate brand of CIBC Mellon Trust Company. None of CIBC Mellon Trust Company, CIBC, The Bank of New York Mellon Corporation and their affiliates make any representations or warranties as to its accuracy, currency orcompleteness, makes any commitment to update any information.  No part ofthe presentation is an offer or solicitation in respect of any particular strategy and may not be construed as such.  Services referred to may not be offered in all jurisdictions nor by all companies.CIBC Mellon does not provide investment or asset management services. This presentation, either in whole or in part, must not be reproduced nor referred to without the express written permission of CIBC Mellon. Trademarks, service marks and logos belong to their respective owners.

This week on Financial Planning: Explained, host Michael Menninger, CFP sits down with Nick DeVito, CFP. Nick is a partner and financial planner at Menninger & Associates Financial Planning. This is the first episode of a two-part series on pension plans. In this episode, Mike and Nick discuss what a pension is, the formula to calculate a pension, and lump sum vs. monthly payment options. This is a great episode for anyone who has a pension plan. ​ For more information on Menninger & Associates Financial Planning visit https://maaplanning.com.

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! What happens when teachers face retirement with plans that don’t match the promises? This episode, Nolan Baker and the team at America's Retirement Headquarters explore the unique financial challenges educators encounter as they approach retirement. From navigating the complexities of pension plans and recent shifts in Social Security to understanding healthcare costs and cost-of-living adjustments, the conversation highlights the critical factors that can impact a teacher’s financial future. The discussion also touches on the importance of strategic planning—especially around investments and taxes—to help educators make informed decisions tailored to their retirement realities. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.com See omnystudio.com/listener for privacy information.

Today we dive back into pensions for incorporated professionals. On this ride, we compare and contrast 2 good pension options: the individual pension plan (IPP) and the Healthcare of Ontario Pension Plan (HOOPP).For today's chat I'm happy to welcome Sean Wilson (CFP, CIM), founder of Moraine Wealth Advisory, and Navaz Cassam, president & chief actuary of GBL Inc.HOOPP vs IPP White Paper:https://morainewealth.com/blog/hoopp-vs-ipp/Discussion points:- overview of pensions (1:45)- introduction (2:42)- what is a defined benefit (DB) pension plan? (4:38)- the DB pension formula (5:20)- establishing earnings for a pension plan (8:03)- pension eligibility (9:43)- pension plan contributions (11:43)- why are extra contributions helpful? (14:40)- IPP special contributions (19:10)- impact of disability (21:23)- IPP investing - DIY & control (21:50)- IPP costs (26:32)- flexibility & control in a pension plan (28:03)- withdrawing from a pension (32:46)- terminal funding (33:54)- considerations for a retirement compensation arrangement (36:36)- indexing the defined benefit to inflation (38:40)- IPP projections - starting age 40 with $200K of T4 income (40:18)- who shouldn't consider a pension? (45:37)- closing thoughts (47:38)Yatin ChadhaNYGH Fundraiser: https://donate.nyghfoundation.ca/site/TR/Events/Rally_in_the_Ravine?px=1561359&pg=personal&fr_id=1310LinkedIn: Yatin Chadhabeyond Radiology:https://beyondradiology.thinkific.com/products/courses/ct-head-interpretation-coursehttps://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-courseSean Wilsonhttps://morainewealth.com/https://www.linkedin.com/in/sean-m-wilson/Navaz Cassamhttps://www.linkedin.com/in/navaz-cassam-0b025716/

It sounds intimidating and overwhelming, but it really isn't! My guest in this episode is divorce attorney, Jessica Zadjura, who has answers to your questions about retirement accounts, pension plans, and other assets in divorce. Learn more here: https://www.divorcedgirlsmiling.com/retirement-accounts-pension-plans-and-divorce/

This Muni Lowdown podcast features Managing Editor Paul Greaves discussing public pensions with Jean-Pierre Aubry, associate director of research at the Center for Retirement Research at Boston College and Curation Editor Stephanie Fagnani.Jean-Pierre kicks off the podcast explaining the center's Public Plans Database that is leveraged to analyze plans.The conversation shifts to discussing the key takeaways from the research brief that Jean-Pierre served as the lead author for entitled The Funded Status of Public Plans Keeps Improving – Albeit Modestly.Jean-Pierre segues into why any improvements to funded ratios going forward will be at best, modest.Jean-Pierre transitions into discussing why the increasing share of new hires are important in understanding the cost side of the equation for public pension plans.Jean-Pierre concludes with thoughts on the challenges to developing and/or maintaining a fiscally sound pension plan.

First up…Darwinbox, the fastest growing AI-powered human capital management (HCM) platform, today announced a US$40 million investment from Teachers' Venture Growth (TVG), the late-stage venture and growth investment arm of Ontario Teachers' Pension Plan. https://hrtechfeed.com/darwinbox-lands-40m-investment-for-north-american-expansion/  ZipRecruiter® announced the U.S. launch of Breakroom, a workplace rating platform that they acquired last year which is purpose-built for frontline industries like retail, hospitality, logistics, and more. With more than one million ratings and counting, Breakroom gives job seekers a clear look at what it's really like to work for different employers—helping them make smarter decisions and find jobs that fit their lives.  https://hrtechfeed.com/ziprecruiter-launches-workplace-rating-platform-for-frontline-industries/ Job search company Resume Wallet & CV Wallet has made a fundraise. Founder Richard Collins announced on Linkedin; “We are pleased to announce that we have completed a new fund raise.Whilst times are tough for a lot of our industry, and my heart goes out to all those who have been affected, not all news is bad news and hopefully there is light at the end of the tunnel during what is undoubtedly a rapid and painful change caused by AI. https://hrtechfeed.com/resume-wallet-cv-wallet-raises-1-5m/ Job board operator DHI Group Inc. has announced it acquired AgileATS, an applicant tracking system for government contractors and employers hiring security-cleared professionals, for an estimated $2 million. The company also reported tepid revenue growth for the second quarter. https://hrtechfeed.com/dice-owner-acquires-an-ats/ Talview The company based in San Mateo, CA, has been awarded its first U.S. patent for its Agentic AI proctoring solution.  Alvy is designed to both protect and assist, detecting sophisticated cheating tools across remote interviews and high-stakes online exams, while guiding candidates through a fair and transparent assessment experience. https://hrtechfeed.com/talview-secures-patent-for-alvy-ai-tool-built-to-outsmart-cheating/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Building the Premier Accounting Firm, Roger Knecht interviews David Podell about defined benefit plans and tax strategies for business owners. They explore how accounting professionals can better advise clients on tax planning beyo†nd basic preparation, focusing on strategies to maximize tax benefits through retirement plans. In This Episode: 00:00 Welcome to Building the Premier Accounting Firm 00:54 Introducing David Pudel 02:05 The Journey into Tax Strategies 04:02 Tax Preparation vs. Tax Planning 05:42 Strategies for Business Owners 07:05 Maximizing Deductions with Defined Benefit Plans 09:06 The Accountant's Role in Tax Planning 11:10 Balancing Profitability and Tax Mitigation 12:37 Effective Personal Tax Strategies for Business Owners 15:40 Compensation Strategies Beyond W2 17:23 Understanding Defined Benefit Plans 20:20 Flexibility in Funding Defined Benefit Plans 23:01 Employee Benefits and Vesting 26:05 Identifying Candidates for Defined Benefit Plans 30:14 Understanding Tax Mitigation Strategies 32:36 401(k) vs. Defined Benefit Plans 34:18 Key Differences with Key Man Insurance 36:41 Income Qualifications for Pension Plans 39:12 Identifying Suitable Clients for Tax Strategies 41:25 The Role of Accountants in Tax Planning Key Takeaways:

Faisal and Leanna dig into a major blind spot in many retirement plans: health care. From out-of-pocket medical costs to the rising need for long-term care, they explain why planning for your health is just as important as planning for your wealth. Then, Tegan Hill from the Fraser Institute joins to unpack Alberta’s pension proposal, the potential $334 billion transfer, and how it could impact your retirement income. Whether you support it or not, this is a debate every Albertan retiree should be watching. Next, economist Moshe Lander explains how Canada has stayed resilient amid rising tariffs and global trade tensions and what retirees need to know about how it affects your investments, household costs, and financial plan. To wrap up, Faisal and Leanna tackle the questions they hear most often: Can I afford to retire? What happens if things don’t go as planned? They share personal insights and real-world scenarios to help you navigate uncertainty with confidence.See omnystudio.com/listener for privacy information.

This week, JoePat Roop discusses the critical importance of proactive retirement planning and the dangers of procrastination. He emphasizes the need for a comprehensive retirement income plan, including strategies like Roth conversions and custom pension plans. The conversation also covers the role of annuities in providing guaranteed income and the common mistakes retirees make. Listeners are encouraged to take action and seek professional advice to secure their financial future. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this episode of Hub & Spoken, Jason Foster, CEO & Founder of Cynozure, speaks with Lisa Allen, Director of Data at The Pensions Regulator (TPR), about the role of data in protecting savers and shaping a more resilient pensions industry. Lisa shares the story behind TPR's new data strategy and how it's helping to modernise an ecosystem that oversees more than £2 trillion in savings across 38 million members. Drawing on her experience at organisations including the Ordnance Survey and the Open Data Institute, she explains why strong data foundations, industry collaboration, and adaptive thinking are essential to success. The conversation explores how the regulator is building a data marketplace, adopting open standards, and applying AI to enable risk-based regulation, while reducing unnecessary burdens on the industry. Lisa also discusses the value of working transparently, co-designing with stakeholders, and staying agile in the face of rapid change. This episode is a must-listen for business leaders, regulators, and data professionals thinking about strategy, innovation, and sector-wide impact. **********    Cynozure is a leading data, analytics and AI company that helps organisations to reach their data potential. It works with clients on data and AI strategy, data management, data architecture and engineering, analytics and AI, data culture and literacy, and data leadership. The company was named one of The Sunday Times' fastest-growing private companies in both 2022 and 2023 and recognised as The Best Place to Work in Data by DataIQ in 2023 and 2024. Cynozure is a certified B Corporation. 

Welcome back to a second episode on the Canada Pension Plan (CPP).My guest is Jason Yee, a true CPP ninja. Jason guides us through CPP and its 2019 & 2024 enhancements to outline the key features of the plan & helps us understand what we will get from it in the future.Discussion Points:Jason's background (2:43)CPP basics (5:05)Key features of CPP (6:27)Why is CPP so polarising? (9:26)What determines what we will get out of CPP? (11:32)CPP enhancements: why & how do they help us? (13:21)What about years of lumpy/low income? (17:32)Considerations for when to start CPP (21:36)CPP payout scenarios (23:16)Take home points for the busy professional (26:16)Closing thoughts (28:05)Jason Yee:Contact:  greetings@finepointsolutions.caCompany website:  https://finepointsolutions.ca/All our CPP ideas & resources:  https://finepointsolutions.ca/ideas-resources/LinkedIn:  https://www.linkedin.com/in/yee/YouTube channel:  https://www.youtube.com/channel/UCwuA3EIkAUT1xIPy3lqJwPgYatin Chadha:Email: beyondmdpodcast@gmail.com LinkedIn: Yatin ChadhaHow to support beyond MD:connect with me on LinkedIn: Yatin Chadhacredit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&CPID=100373056

In this episode of Troutman Pepper Locke's Employee Benefits and Executive Compensation podcast, hosts Lydia Parker and Lynne Wakefield explore the complex legal landscape surrounding the coverage of GLP-1s prescribed for weight loss purposes within self-insured medical plans. As these medications gain popularity, plan sponsors face the challenge of controlling costs while meeting participant demand and maintaining legal compliance. The discussion covers various design alternatives, including cost-sharing strategies, waiting periods, and wellness program rewards, while addressing potential legal risks under HIPAA, the Affordable Care Act, and the Americans with Disabilities Act. Tune in to explore how plan sponsors can navigate these issues effectively as a means to attract and retain employees, while mitigating financial exposure.

Ep 447 part 1 MAMA BIMA - PENSION PLAN, BUYING LIFE INSURANCE, TRUSTS & ESTATE PLANNING

Kevin and Kieran take a look at the finances behind club academies, and discuss whether professional players have pension plans provided by their clubs. Follow Kevin on X - @kevinhunterday Follow Kieran on X - @KieranMaguire Follow Producer Guy on X - @guykilty Follow The Price of Football on X - @pof_pod Send in a question: ⁠⁠⁠questions@priceoffootball.com⁠⁠⁠ Join The Price of Football CLUB: ⁠⁠⁠https://priceoffootball.supportingcast.fm/⁠⁠⁠ Check out the Price of Football merchandise store: ⁠⁠⁠https://the-price-of-football.backstreetmerch.com/⁠⁠⁠ Visit the website: ⁠⁠⁠https://priceoffootball.com/⁠⁠⁠ For sponsorship email - ⁠⁠⁠info@adelicious.fm⁠⁠⁠ The Price of Football is a Dap Dip production: ⁠⁠⁠https://dapdip.co.uk/⁠⁠⁠ ⁠⁠⁠contact@dapdip.co.uk⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Megent Financial’s Co-Chief Executive Officer Ron Whittingham joins Jon Hansen to stress the importance of having a financial advisor even when having a pension.

North Carolina State Treasurer Brad Briner left a career in high finance to pursue one of the highest-pressure roles in state government. Briner oversees the state pension plan and the state health plan, which serve hundreds of thousands state government employees, retirees and their families. Briner recently spoke with WRAL’s Dan Haggerty about everything from investment strategies to coverage of weight-loss drugs. Haggerty offers highlights from their wide-ranging conversation.

Church pension plans may be at risk I hate to say this because we all want to believe that one of the safest places to go is church. Unfortunately, there are church pension plans like Saint Claire's Hospital in Schenectady, New York and Saint Joseph Hospital in Rhode Island that had no or very little money left for retirees when it was time for their retirement. You may be wondering how can that be? Pension plans should be safe especially under federal law where there are protections from the Employee Retirement Income Security Act of 1974, which is commonly known as ERISA. You may also think if you know something about pension plans that employers must pay into the pension benefit guarantee corporation or what is also known as the PBGC. Unfortunately, when the government came up with the federal law on pension plans to protect retirees, there was concern about the constitutional separation of church and state and they did not want to cross that line. So they exempted churches and employers related to the church, which would include schools, hospitals and publishers. Church pension plans are allowed to contribute to the pension benefit guarantee corporation, but they're not required to and unfortunately most do not. It is sad that we cannot trust some of our religious leaders to protect our financial future. If you or someone you know works for a type of association related to a church and they have a pension plan they may want to dig deep into it to make sure it's really there. Unfortunately, there have been church pension plans that have exaggerated the returns on their investments in their pension plan and ultimately collapsed when people began retiring. It may be unfortunate but it could be wise to have a secondary retirement plan if you work for a church just to be on the safe side so you have something there in your golden years!    Structured products are back from 2008 Structured products that destroyed the economy in 2008 are back once again. In 2008 there was nearly $1.8 trillion of structured products issued. For 2025, the experts are forecasting structured product issuance of $2 trillion. If you don't understand what a structure product is, it is nothing fancy other than Wall Street creating loans that hide their true value. In 2008 these were mainly mortgage-backed loans that Wall Street sold and told people there's no way that these borrowers would default on their real estate loans. Today, they are even riskier with the loans backed by weak assets such as credit card debt, lease payments on cars, airplanes, golf carts and even plastic surgery loans. Recently in Las Vegas there was a convention for four days that was packed with bankers from Wall Street and around the country that were all in the buzz about the hype of the profits they can make off of these structured products. So far investors have been safe and have not had any losses, but that will change in the years to come especially if the economy weakens. With higher demand, prices for these products are now higher and I believe overpriced. The higher demand also creates riskier investments that look similar to products with less risk but make no mistake, they have far greater risk. It appears to me that the greed on Wall Street is back and the bankers are trying to tell you that stock investing is out. They tell you that you should be putting your money into these structured products for diversification to avoid market fluctuations, but the real reason for this is the fees they make are so much higher than if you just invested in good quality equities that pay dividends and grow over the long-term. Wall Street makes nothing off of that!   Jobs report seems uneventful, which is a good thing February nonfarm payrolls increased by 151k in the month, which was less than the estimate of 170k. While I wouldn't say that's a positive, it was better than last month's reading of 125k and it still shows the labor market remained healthy. Revisions to th

Today we revisit pensions with an exploration of the Healthcare of Ontario Pension Plan (HOOPP) for incorporated Ontario physicians.My guest is Rachel Arbour, who is the Head of Plan Benefits, Design and Policy at HOOPP.  Discussion points:- HOOPP overview (2:28)- What is a defined benefit pension? (4:13)- How is the defined benefit calculated? (6:23)- what to know about your best 5 years of earnings (9:35)- Is there a ceiling to the defined benefit? (10:31)- who is eligible to take part in HOOPP? (11:43)- how are contributions calculated? (15:52)- what about inflation adjustments? (23:13)- fund investment returns (26:32)- funded status (28:00)- HOOPP's maturation over time (29:10)- are special contributions possible with HOOPP? (31:47)- pension administrative & investment costs (35:45)- when can pension benefits begin? (38:15) - pulling out from HOOPP (39:38)- what happens to contributions in years of fluctuating income? (41:40)- income splitting, spousal benefit options (44:55)- estate planning (47:09)- disability benefits (50:07)This episode features Arya EHR - https://www.aryaehr.com/**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)HOOPP:https://hoopp.com/join-hoopp/physicians-joining-hoopphttps://hoopp.com/news-and-insights/research-and-analysis/white-papersYatin:Email: beyondmdpodcast@gmail.com LinkedIn: Yatin Chadha

Allie and Quint discuss whether it is better to have a pension plan or a retirement investing plan.

Planning for retirement is crucial, but many people over 50 make common financial mistakes. Frank and Frankie Guida discuss that hiring a financial planner to navigate the complexities of retirement can help optimize savings and benefits. This includes understanding Social Security, pension plans, and tax laws that affect retirement income. Frank and Frankie explain that working with a planning team enables retirees to make informed decisions, minimizing the risk of running out of money. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Joe and Lindsay answer the most common questions about the Canada Pension Plan (CPP). They explain what CPP is, who qualifies, how to apply, and how to estimate your benefits. You'll learn about the maximum and average payouts, survivor benefits, tax implications, and whether to take CPP early, at 65, or delay to age 70. With insights on integrating CPP into retirement income planning, this episode is a must-listen for Canadians preparing for a secure and comfortable retirement.  Read the full show notes and find more information here: EP 128 Show Notes  

Navigating the challenges of modern pension provision requires employers to effectively communicate and implement changes in pension plans while keeping employees' best interests at heart.In this episode hosted by Mercer's Tej Patel, Fiona Brown shares her own views on the evolving landscape of employer retirement offerings, based on her decades-long experience in the sector, most recently at Rolls Royce. Key insights include redesigning plans to make them future-fit, ensuring employees feel financially secure as they plan for retirement, and the role of employers in fostering trust.This content is for institutional investors and for information purposes only. It does not contain investment, financial, legal, tax or any other advice and should not be relied upon for this purpose. The materials are not tailored to your particular personal and/or financial situation. If you require advice based on your specific circumstances, you should contact a professional adviser. Opinions expressed are those of the speakers as of the date of the recording, are subject to change without notice and do not necessarily reflect Mercer's opinions.This does not constitute an offer or a solicitation of an offer to buy or sell securities, commodities and/or any other financial instruments or products or constitute a solicitation on behalf of any of the investment managers, their affiliates. For the avoidance of doubt, this is not formal investment advice to allow any party to transact. Additional advice will be required in advance of entering into any contract.Read our full important notices - click here

On this episode, Anupam chats with Manish Alagh, Head of Tied, Wealth, Insurance Manager & Direct Marketing Channels at Kotak Life Insurance. They explore the latest trends in the life insurance industry, discuss innovative products, and uncover effective retirement planning strategies. Learn about annuities, when to consider them, and how to build a strong financial foundation for a steady post-retirement income. Manish also shares his insights on the insurance vs. investment debate and clarifies taxation concerns related to insurance and mutual funds. Tune in for a comprehensive guide to securing your financial future!Get in touch with our host Anupam Gupta on social media: Twitter: ( https://twitter.com/b50 ) Instagram: ( https://www.instagram.com/b_50/ ) LinkedIn: (https://www.linkedin.com/in/anupam9gupta/ ) You can listen to this show and other awesome shows on the IVM Podcasts website at https://www.ivmpodcasts.com/ You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel. Do follow IVM Podcasts on social media. We are @ivmpodcasts on Facebook, Twitter, & InstagramSee omnystudio.com/listener for privacy information.

The information I am providing is my opinion and not necessarily that of my firm or this platform.  I am only providing general educational information and not any customized investment recommendations. You should consult with your Financial Advisor, Tax Advisor or Attorney on your specific situation. Nothing shall be construed as Financial, Tax or legal advice or recommendations.   Choosing the right pension payout option is a critical decision that significantly influences retirement security, with commonly available choices including single life annuity, joint and survivor annuity, lump sum, and term certain. Each of these options comes with its own set of benefits and drawbacks, making it essential to consider factors such as a spouse's needs, age, health, and other sources of income when making a decision. Kris Flammang underscores the importance of taking time to thoroughly evaluate these options in the context of one's overall financial plan and lifestyle goals, often sharing anecdotes of clients who changed their initial decisions after a comprehensive review of their situation. Collin Habig echoes this perspective, emphasizing the need for a detailed understanding of financial aspects like retirement savings and debt, and the importance of using projections to foresee the impact of each option on future income. Both highlight the value of consulting a financial advisor to ensure that the chosen option aligns with individual and family goals, thus avoiding rushed decisions that might have long-term repercussions on retirement security. Here's what to expect this episode: Consider factors like spouse's needs, age, health, other income sources when choosing pension payout options. Different pension payout options have various implications like income for both parties, better health options, and control and flexibility. Seek advice from financial advisor for informed choices aligning with financial goals and ensuring long-term financial security. Connect with Collin Habig https://www.linkedin.com/in/collinhabig/ Connect with Kris Flammang https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Wondering where your next paycheck is coming from in retirement? Frank and Frankie Guida discuss various strategies for creating personal pensions to ensure a steady income stream after you stop working. They explore options like fixed index annuities and tax-efficient withdrawals while focusing on customized planning for individual circumstances. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Featured in this episode: Alison Nankivell has spent more than 25 years moving Canada's economic needle forward. Before being named CEO of MaRS in early 2024, Alison held pivotal roles at the Business Development Bank of Canada (BDC), the Ontario Teachers' Pension Plan and Export Development Canada (EDC). At MaRS, she brings an experienced playbook to support startups working in climate, health and emerging technology. Kris Bennatti is the CEO and co-founder of Hudson Labs, a Toronto-based startup that builds specialized financial software to help improve corporate accountability in capital markets. Lise Birikundavyi is the co-founder and managing partner of BKR Capital, Canada's first Black-led, institutionally-backed VC fund. Birikundavyi is a finance specialist who has worked with several international institutions, including the Jacobs Foundation where she managed its edtech impact investment strategy.  Corey Ellis is the co-founder and CEO of Growcer. The Ottawa-based startup develops commercial hydroponic systems that help communities grow indoor produce, year-round in any climate.   Charles Plant is a serial entrepreneur, innovation economist, fractional CFO and founder of The Narwhal Project, which helps tech startups raise capital and scale business.  Further reading: Welcome to the $100-million clubUndervalued and ignored: Why young Canadian firms are looking to foreign investors and buyers Evolving ESG reporting regulations call for co-ordinated executive action in CanadaDEI in Canadian workplaces is hitting a wall, subscriber survey showsNorth American outlook: Uncertain political environment adds to business, consumer fatigueClimate adaptation is as important as climate mitigationSubscribe to Solve for X: Innovations to Change the World here. And below, find a transcript to “Innovation hotline: Answering the tech sector's burning questions.” This interview was recorded October 17 in the MaRS Studio.  Solve for X is brought to you by MaRS, North America's largest urban innovation hub and a registered charity. MaRS supports startups and accelerates the adoption of high-impact solutions to some of the world's biggest challenges. For more information, visit marsdd.com.

State Rep. Brian BeGole. Democrat pension plan would put state in financial ruin, leave others to clean up the mess. Other extreme lame duck policy issues/ideas that Democrats in the Legislature have pushed as well – driver's licenses for illegals, national popular vote, gender X on documents, etc

In this episode of the EUVC podcast, Andreas talks with Avid Larizadeh Duggan, Senior Managing Director (EMEA) at Teachers' Venture Growth (TVG), the venture arm of Ontario Teachers' Pension Plan (OTPP), headquartered in Toronto.TVG has €5.4B in assets under management, backing innovative companies like Canva, Databricks, DeepL, and SpaceX. Avid brings experience from her work leading investments for TVG, with a strong focus on scaling Series B+ technology companies globally.Together, we will explore the unique perspective OTPP brings as one of the world's largest pension funds; we'll. We will also dive into the challenges and opportunities of scaling global technology companies and the role of late-stage growth investing in driving the next wave of innovation.Go to eu.vc to read the core take-aways.Chapters:00:03 Meet Avid from Ontario Teachers Pension Plan 02:57 Ontario Teachers Pension Plan's Global Investment Strategy 07:55 Avid's Journey to Ontario Teachers' Pension Plan 12:20 The Role of Teachers in the Investment Ecosystem12:58 Advantages of Being Part of a Pension Plan15:58 Leveraging Ontario Teachers' Pension Plan Network19:30 Focus on Growth Stage Investing21:57 Challenges and Opportunities in the European Growth Stage 28:32 Challenges of Scaling in Europe29:53 Talent Development Over Time31:58 Ecosystem Strength and Growth Stage Investment35:05 Manufacturing and Industry 4.036:00 Investing in Hardware and Software36:50 Thematic Investing and Industry 4.041:01 Navigating Hardware and Deep Tech Investments46:58 Advice for Founders and Investor Relationships52:36 Equity vs. Debt Financing at Growth Stage

Today I welcome Aravind Sithamparapillai (MBA), who is an associate at Ironwood Wealth Management. Aravind is becoming known as a tax ninja - he breaks down complex topics nicely for listeners of all levels.While the focus of this episode is meant to be CPP (Canada Pension Plan) & its relevance to business owners, we cover a lot of ground that includes salary vs dividends & tax basics.Discussion Points:Aravind's background (4:18)The basics of tax integration (5:00)Tax integration by province/territory (6:42)Tax credit & deduction on the employee portion of CPP (9:16)Employer portion of CPP - tax deductible (14:13)What is the true cost of CPP? (16:30)Understanding the dividend gross up & dividend tax credit (22:05)Income based benefits that can be impacted by the dividend gross up (26:15)CPP vs investing yourself in the corporation (31:13)Salary + dividend vs salary only approach (39:10)What about the IPP (41:35)Other CPP benefits - disability, children, survivor (43:30)Post call newsletter: https://postcall.ca/Aravind:https://www.linkedin.com/in/sithamparapillai/aravind.sithamparapillai@ironwoodcanada.comYatin:Email: beyondmdpodcast@gmail.com LinkedIn: Yatin ChadhaWays to support beyond MD:Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCPhttps://americanexpress.com/en-ca/referral/cobalt?ref=yATINCYEoc&XLINK=MYCP

Join us for a year-end recap with our Executive Director, Dr. L.C. "Buster" Evans, Ed.D., for an insightful conversation as we delve into the highlights and challenges of 2024. Topics discussed include: How TRS achieved the highest return of all state pension systems in the US. Legislative impacts on the system, including proposed and passed bills. Addressing teacher shortages in Georgia . The number of members who retired this year. Retirees over the age of 100. The importance of keeping beneficiary information up-to-date. The state charitable contribution campaign. Don't miss this opportunity to gain valuable insights into the state of Georgia's teacher retirement system and its commitment to securing the future of educators. Timestamps 00:00 – Intro 01:36 – Legislative Impacts on the System 03:40 – TRS Challenges, Trends, & Triumphs 07:52 – Technology & Security Enhancements 10:48 – TRS' Stellar FY 2024 Market Performance 13:08 – Adapting to Change: New, Current, and Retired Educators 22:42 – TRS Accessibility: On-Demand Content & Macon Office 26:23 – Member Retirement Trends 27:50 – Retiree Resources 31:08 – The Importance of TRS Beneficiary Designations 32:20 – Employer Shout-Out: Renee Lipp, Harris County Schools 34:29 – TRS Staff: Development, Initiatives, & Giving 40:58 – Priorities for the Year Ahead (2025) 43:02 – Words of Wisdom and Gratitude from Dr. L.C. (Buster) Evans 44:50 – Outro Are you about to retire? If you haven't had the chance to meet with us one-on-one in a virtual or in-person format, and are within 2 years of retirement eligibility, be sure to log in to your TRS account online and register for a session today! Are you new to TRS or in the middle of your career? Be sure to designate your beneficiaries as soon as possible in your TRS online account. We want to hear from our members! Please email the show for topic inquiries, questions and comments! Contact us at ⁠⁠⁠podcast@trsga.com⁠⁠⁠. Host: Everett Crockett Guest: Dr. L.C. (Buster) Evans, Ed.D, TRS Executive Director For more information visit: ⁠⁠⁠www.trsga.com⁠⁠⁠ Facebook: ⁠⁠⁠https://www.facebook.com/trsgeorgia⁠⁠⁠ YouTube: https://www.youtube.com/@trsgeorgia #pensions #retirees #educators #teachers #pensionpodcasts

Mike Wallberg, CFA, welcomes Amanda Voegeli, CFA, President and Managing Partner of Southlea Group, to discuss the unique landscape of Canadian public sector pension plans. The conversation dives into the competitive challenges these plans face in attracting and retaining talent compared to private finance giants such as Blackstone and Goldman Sachs. Amanda also highlights findings from a recent study by Southlea Group that sheds light on compensation strategies and talent retention within these massive public entities. Tune in for valuable perspectives on the intersection of pension management and human capital in Canada.

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

Ken Harris, CEO and founder of Plusgrade — an ancillary revenue solution for the global travel industry — is Canada's EY Entrepreneur Of The Year® 2024. After initially receiving the provincial title on October 9, Harris was honoured at the awards show in Toronto on Wednesday night. He was selected by an independent panel of judges for his business being rooted in global transformation and innovation and his dedication to enhancing customer experiences, said EY in a news release. “Ken's journey is a testament to the power of innovation and perseverance. His leadership at Plusgrade has revolutionized the way travel companies approach ancillary revenue, creating new opportunities for growth and enhancing the overall travel experience for millions of passengers,” says Rachel Rodrigues, EY Entrepreneur Of The Year® Canada Program Director. “His proactive approach to addressing industry challenges and dedication to inclusivity have set a new standard for entrepreneurial excellence in Canada.” EY said Harris' journey began with a simple observation during his travels: the potential to monetize empty premium seats. Now partnering with over 200 companies across airlines, hotels, cruises and railways in 60 countries, Plusgrade's innovative solutions have changed how travel operators generate additional revenue while enhancing customer experiences. The company's strategic growth includes the acquisition of Points, a global leader in loyalty commerce, and UpStay, a provider of upgrade and ancillary revenue solutions for the hospitality industry. At the award ceremony hosted at The Royal Conservatory of Music, four National Award winners were also recognized, along with three National honouree recipients. Next up, Harris will represent Canada on the global stage, competing against winners from more than 50 other countries for the title of EY World Entrepreneur Of The Year™ in Monaco in June 2025. EY Entrepreneur Of The Year National Award winners: Tobyn Sowden | Redbrick (Pacific) Denis Jones | Deveraux Group of Companies (Prairies) Clive Kinross | Propel Holdings (Ontario) Hakan Uluer | The Bertossi Group (Atlantic) Ken Harris | Plusgrade (Québec) National Honouree Citations: Jeff Dirks | KBL Environmental Ltd. Terry Raymond | Fire & Flood Emergency Services Ltd.  Mina Mekhail | Freshr Sustainable Technologies Inc. The Canadian entrepreneurs in the EY Entrepreneurial Winning Women™ North America Class of 2024 and the EY Entrepreneurs Access Network Canadian Class of 2024 were also honoured at the awards show. These programs support high-potential women entrepreneurs and Black and Indigenous leaders by providing access to networks, advisors, learning and resources to help scale their businesses. All three entrepreneur programs are part of EY's 30-year commitment to fostering entrepreneurship in Canada at every stage of the growth journey. The 2024 National independent judging panel comprised Tania Clarke, Corporate Director; Andreea Crisan, President and CEO, ANDY Transport; Arlene Dickinson, General Partner, District Ventures Capital; Joanna Griffiths, Founder and President, Knix and Kt by Knix; Ashif Mawji, Managing Director, ScaleGood Fund LP; Kristi Miller, Managing Partner, Krystal Growth Partners; Imran Siddiqui, Managing Director, Ontario Teachers' Pension Plan. This year's program national sponsors are TSX Inc., Air Canada, The Printing House, The Globe and Mail and Hillberg & Berk. Mario Toneguzzi is Managing Editor of Canada's Podcast. He has more than 40 years of experience as a daily newspaper writer, columnist, and editor. He was named in 2021 as one of the Top 10 Business Journalists in the World by PR News – the only Canadian to make the list. He was also named by RETHINK to its global list of Top Retail Experts 2024. About Us Canada's Podcast is the number one podcast in Canada for entrepreneurs and business owners. Established in 2016, the podcast network has interviewed over 600 Canadian entrepreneurs from coast-to-coast. With hosts in each province, entrepreneurs have a local and national format to tell their stories, talk about their journey and provide inspiration for anyone starting their entrepreneurial journey and well- established founders. The commitment to a grass roots approach has built a loyal audience on all our social channels and YouTube – 500,000+ lifetime YouTube views, 200,000 + audio downloads, 35,000 + average monthly social impressions, 10,000 + engaged social followers and 35,000 newsletter subscribers. Canada's Podcast is proud to provide a local, national and international presence for Canadian entrepreneurs to build their brand and tell their story. #business #smallbusiness #EntrepreneurOfTheYear2024 #CanadasNumber1PodcastforEntreprenuers

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

Highlights from this week's conversation include:Anurag's Background and Experiences in VC (1:05)Understanding Venture Capital Dynamics (2:26)The Importance of Transparency (5:33)Expectations of Returns (9:06)Emerging Manager Trends (11:30)Family Offices and Investment Strategies (12:49)Exploring Emerging Geographies (15:56)The Importance of Risk in Venture (17:53)Learning from Allocators (22:56)Insider Segment: Trends in Fund Structures (25:48)The Role of Fund Administrators (29:22)Benchmark Data in Fundraising (30:18)Investment Strategy Focus (32:17)Current Regulatory Landscape (35:01)Pension Fund's Venture Program Development (36:36)Investment Decision-Making Processes (40:02)Building Relationships with Pension Plans (42:06)Differentiating Fund Proposals (43:45)Overview of Race Global Conference (45:49)Trends in Fund Proposals (47:01)Criteria for Advising Family Offices (50:00)Final Thoughts and Takeaways (55:14)Anurag Chandra's background encompasses billions of dollars of institutional investing and venture capital experience. He has also held three hi-tech startup senior operating roles reporting directly to founders/CEOs (two M&A exits to public companies). He has expertise in equity and debt and early and later-stage investments and has advised dozens of funds and family offices. His experience includes structuring principal transactions, including SPVs, debtor-in-possession purchases, and asset purchases/acquisitions.Aduro Advisors is a trusted partner for venture capital fund managers, offering comprehensive and expert fund administration services. Known for being agile, responsive, and focused on making fund operations seamless, Aduro enables fund managers to concentrate on investing. With deep expertise across a variety of fund sizes and strategies, Aduro provides a full suite of services, including fund accounting and compliance. The firm understands the fast-paced nature of venture capital and prides itself on being as innovative and driven as the funds it supports. Aduro doesn't just manage operations—they help funds scale. https://www.aduroadvisors.comSwimming with Allocators is a podcast that dives into the intriguing world of Venture Capital from an LP (Limited Partner) perspective. Hosts Alexa Binns and Earnest Sweat are seasoned professionals who have donned various hats in the VC ecosystem. Each episode, we explore where the future opportunities lie in the VC landscape with insights from top LPs on their investment strategies and industry experts shedding light on emerging trends and technologies. The information provided on this podcast does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this podcast are for general informational purposes only.

In this insightful podcast episode, tax mitigation expert David Podell shares his expertise on creative pension plan designs and defined benefit plans to help high-net-worth individuals reduce their taxable income. Learn how cash balance plans can significantly enhance your retirement savings and unlock large deductions while maintaining flexibility. David explains the importance of working with the right financial advisors, CPAs, and consultants to optimize your tax-saving strategies and avoid common pitfalls like overfunding your retirement plan. Discover how you can secure your financial future with these advanced tax planning techniques. Disclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show. Do your due diligence. Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphd We couldn't do it without the support of our listeners. To help support the show: CashApp- https://cash.app/$drchrisloomdphd Venmo- https://account.venmo.com/u/Chris-Loo-4 Spotify- https://podcasters.spotify.com/pod/show/christopher-loo/support Buy Me a Coffee- https://www.buymeacoffee.com/chrisJx Click here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-online Click here to check out our e-courses and bookstore here: https://www.drchrisloomdphd.com/shop Click here to purchase my books on Amazon: https://amzn.to/2PaQn4p For audiobooks, visit: https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1F Follow our YouTube channel: https://www.youtube.com/chL1357 Follow us on Twitter: https://www.twitter.com/drchrisloomdphd Follow us on Instagram: https://www.instagram.com/thereal_drchrisloo Follow us on Threads: https://www.threads.net/@thereal_drchrisloo Follow us on TikTok: https://www.tiktok.com/@drchrisloomddphd Follow our Blog: https://www.drchrisloomdphd.com/blog Follow the podcast on Spotify: https://open.spotify.com/show/3NkM6US7cjsiAYTBjWGdx6?si=1da9d0a17be14d18 Subscribe to our Substack newsletter: https://substack.com/@drchrisloomdphd1 Subscribe to our Medium newsletter: https://medium.com/@drchrisloomdphd Subscribe to our email newsletter: ⁠https://financial-freedom-for-physicians.ck.page/b4622e816d⁠ Subscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233 Thank you to our advertisers on Spotify. Financial Freedom for Physicians, Copyright 2024 --- Support this podcast: https://podcasters.spotify.com/pod/show/christopher-loo/support

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

In this episode, John Lowell, Partner at October Three Consulting, discusses the evolving landscape of corporate pension plans, the shift towards 401(k) models, and innovative strategies that are helping companies provide sustainable retirement benefits. Discover how these changes impact both employers and employees in today’s market.

If you're in the Canada Pension Plan (CPP), then you won't want to miss today's conversation with Canada's Chief Actuary, Assia Billig. Assia's knowledge of the CPP is extensive, having joined the Office of the Chief Actuary (OCA) in 2008, where she was involved in the preparation of statutory actuarial reports on the Canada Pension Plan and Old Age Security Program. She has served as Chief Actuary of the Government of Canada since 2019, and, before joining the OCA, she worked in private pension consulting. She is also a Fellow of the Society of Actuaries and the Canadian Institute of Actuaries. Assia joins us today for a deep dive into the most common questions about the Canada Pension Plan, from the inner workings of its financial components to the quality of governance that drives it. Discover the world-leading topics she and her team investigate, the immense power and research behind their analysis, and why the CPP is set to be sustainable for the next 75 years. We also discuss the concerns some people have about the CPP's longevity, before examining how the actuarial report on the sustainability of the CPP, conducted every three years, reliably addresses this. If today's conversation with Canada's chief actuary does not instill confidence and pride in Canada's investment in our collective retirement, then we don't know what will! Tune in, to hear all of Assia's keen insights and discover why she is unequivocally the best person to talk about the sustainability of the CPP. Key Points From This Episode:   (0:00:18) Introducing today's guest, Assia Billig and the Canada Pension Plan (CPP). (0:04:53) What the main function of the Office of the Chief Actuary is. (0:06:28) The independence of Assia's office and the work that they do. (0:07:09) Unpacking the main purpose of the actuarial report on the Canada Pension Plan. (0:09:22) Changes that the report triggers to contribution or benefit rates. (0:13:04) Main revenue sources for the CPP and how base CPP benefit payments are funded. (0:14:56) Base CPP's funded status and how funding differs for additional CPP. (0:20:32) The sustainability of base and additional CPP and how sustainability is measured. (0:23:22) Primary assumptions that go into sustainability analysis at the high level. (0:27:31) Estimating expected returns for assets managed by CPP investments. (0:30:37) The plan's level of sensitivity to lower realized returns and other variables. (0:35:22) How lower overall economic growth and inequality affect the plan's sustainability. (0:37:15) Measuring the impact of variables like climate change and other catastrophic events. (0:43:01) When the minimum contribution rate exceeds the current legislated contribution rate. (0:44:12) Assia's response to people who are skeptical of the CPP's future sustainability.   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/RationalRemindRational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/  Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://www.pwlcapital.com/profile/cameron-passmore/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Mark McGrath on LinkedIn — https://www.linkedin.com/in/markmcgrathcfp/ Mark McGrath on X — https://x.com/MarkMcGrathCFP Assia Billig — https://www.osfi-bsif.gc.ca/en/oca Assia Billig on LinkedIn — https://www.linkedin.com/in/assia-billig-9b861587/?originalSubdomain=ca

My name is Heather. And I know what it's like to live on autopilot, “sell yourself short” and live within limits of societal and self-imposed limitations. But I also know what it's like to break free from that, redefine what's possible and achieve big goals! There were so many things that almost stopped me along the way, and my goal is to help stop the things that are stopping you from discovering what you are truly capable of! It's not too late to change your story and reach your own podium finish (whatever that may be). Trust me – I've done it! Heather Moyse is one of Canada's great multi-sport athletes. A four-time Olympian in two-man Bobsleigh, Heather won gold at the 2010 Winter Games in Vancouver, and again at the 2014 Games in Sochi. Before she was an Olympic champion, Heather was a mainstay on Canada's Senior Women's Rugby Team. Heather led Canada to silver in the 2013 Rugby Sevens World Cup, and was the top try scorer in the 2006 and 2010 Women's Rugby World Cups. In 2016, Heather became only the second Canadian, and first Canadian female, to be inducted into the World Rugby Hall of Fame. Heather represented Canada in a third international sport in 2012, when she placed Top Five in two events at the Pan-Am Track Cycling Championships in Argentina. And in 2016, before deciding to compete for her fourth Olympic Games in 2018 at 39, Heather climbed Antarctica's highest peak, Mount Vinson, as part of an expedition to support the members of the Canadian Armed Forces. Heather has a master's degree in occupational therapy, and is a highly sought-after motivational speaker. Some of her past clients include TEDx, Arbonne, Canada Post, Loblaws, Royal Canadian Mint, Fidelity Investments, the Canadian Armed Forces, CIBC, Canadian Association of Emergency Physicians, Canadian Student Leadership Conference, Trillium Automobile Dealers Association, University of Waterloo, Atlantic Women in Law Enforcement, SunLife Financial, BMW, Ontario Teachers' Pension Plan, and has shared the stage with author and leadership guru, John C. Maxwell. Her best-selling book Redefining ‘Realistic' was released in 2017. To View This Episode- https://youtu.be/hFByFFfLkTw #Olympics #OlympicGold #Canada #BobSled #Rugby #WhoKnewInTheMoment?

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Christophe L'Ahelec, Managing Director of Public Markets at University Pension Plan Ontario, joins Alan Dunne in this episode to discuss their approach to managing the C$11bn defined benefit pension plan. We discuss the high level Strategic Asset Allocation of the plan and also how the changed macro environment in recent years has motivated a shift in the asset allocation towards more absolute return strategies. Such strategies play a dual role of diversification and return enhancement for UPP and we discuss how Christophe thinks about an appropriate strategy allocation within absolute return. We also delve into the challenges of manager selection and evaluation, why it is important to remember that you are buying an “investment process” not historical returns when allocating to managers and discuss when is it appropriate to remove a manager and when not. -----EXCEPTIONAL RESOURCE: Find Out How to Build a Safer & Better Performing Portfolio using this FREE NEW Portfolio Builder Tool-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “The Many Flavors of Trend Following” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Alan on Twitter.Follow Christophe on LinkedIn.Episode TimeStamps: 02:44 - Introduction to Christophe L'Ahelec07:00 - A new initiative09:55 - What kind of strategy drives their asset allocation?12:34 - What goes into which bucket?14:39 - What makes absolute return exposure more attractive at the moment?16:25 - Constructing an absolute return portfolio18:32 - How they approach trend following21:52 - Why do they use leverage?23:26 - What do they expect from their...

From the archive: This episode was originally recorded and published in 2021. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. Artem has over 10 years of finance experience in food, agriculture, and farmland. Prior to founding FarmTogether, Artem was employee number 1 and CFO/VP of Operations at Full Harvest Technologies, a now post-Series A B2B platform for buying and selling produce. He previously worked at Ontario Teachers' Pension Plan, Sprott Resource Holdings, E&Y and PwC. Artem holds an MBA from The Wharton School, and a BA and MA in Economics from the Higher School of Economics. Top 3 Value Bombs 1. Investing in farmland is investing into the planet, the future, and to the one thing that is unchangeable in our lives — eating and drinking water. 2. Investing in farmlands helps farming families and entrepreneurs expand cutting edge agriculture. 3. Farmland has delivered an average of 10% annual total returns, which compares favorably in stocks, bonds, and real estates. Access educational materials, white papers, webinars, and learn more about investing in farmlands - Farm Together Sponsors HubSpot With the HubSpot for Startups program, you can save 30-90 percent on a platform that scales right along with you! To see if you're eligible to join the HubSpot for Startups program and take your growth to the next level, visit HubSpot.com/startups Thought-Leader Ever thought about giving a TEDx talk Visit Thought-Leader.com/fire to join a free training and learn how to land a TEDx Talk and spread your message to millions Field of Greens Just one scoop a day and you'll be getting in loads of fruits, veggies, herbs and spices all at once! Visit FieldOfGreens.com and use promo code FIRE for 15 percent off your first order AND free rush shipping