Podcasts about rrsp

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you accidentally letting hundreds of thousands of dollars sit idle in your holding company… unsure how to deploy it without triggering unnecessary tax?If you're a Canadian business owner with retained earnings building up in your holdco, you've probably felt the tension. You want to grow your wealth—but you don't want to make a costly mistake. Your accountant tracks what's happened, but who's helping you think proactively about what to do next? With salaries, RRSP room, rental properties, corporate investments, and tax efficiency all in play, it's easy to feel stuck between “do nothing” and “overcomplicate everything.” What you really want is clarity—and optionality.In this episode, you'll discover:A simple 50/50 framework for splitting retained earnings between risk-off liquidity and long-term growth.How to structure corporate investments to create tax-efficient capital gains and future tax-free income through the Capital Dividend Account.Why thinking holistically—across your corporation and personal assets—unlocks powerful flexibility, leverage, and long-term tax control.Press play now to learn how to turn your holding company into a strategic wealth engine—not just a parking lot for cash.

Tax season is almost here, and there are significant changes on the horizon for Canadian taxpayers. In this episode of The Clear Money Mindset, Ben sits down with Josie Hope, CPA, CMA and owner of JH Business Solutions, to break down exactly what you need to know before you file. From the new "Middle Class Tax Cut" reducing the lowest marginal rate to 14%, to the often-overlooked tax implications of buying and selling precious metals like gold and silver, we cover it all. Josie also shares critical advice for pension holders who might be over-contributing to their RRSPs and explains the latest updates to the Canada Disability Benefit. In this episode, we cover: The Middle Class Tax Cut: How the rate reduction from 15% to 14% impacts your take-home pay starting July 2025. Disability Tax Credit: Updates to the benefit amount (now over $10,000) and how to transfer credits to a supporting family member. Precious Metals: Why the CRA treats gold and silver as capital assets and the importance of keeping your receipts. The RRSP Trap: Why having a good pension might mean you should think twice before maxing out your RRSP. Filing Tips: How to organize your T4s and receipts.

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 index fund investing really the best path to financial freedom — or is it only effective if you can survive the emotional rollercoaster that comes with it?Most investors are told the same advice: buy the market, hold for decades, and trust long-term averages. And yes… mathematically, it works. But the real question is: can you stick with it when the market drops 20%? Or when you're retired and withdrawing income during a downturn?In this episode of Canadian Wealth Secrets, Kyle Pearce and Jon Orr break down a powerful question many Canadians overlook:Index Fund Investing: Growth Strategy or Income Strategy?They explore why index funds feel simple on paper, why real estate often feels “safer,” and how the best portfolio isn't just the one with the highest average return — it's the one you can actually stay committed to.This conversation dives into:The real reason many investors abandon index funds during market volatilityIndex fund vs real estate: why real estate feels more stable (even when it isn't)How an income investing strategy can reduce emotional decision-makingWhy leveraged investing in Canada looks great in spreadsheets but feels scary in real lifeWhat the 4 percent rule in Canada misses when markets decline during retirementHow to think about diversification, “dry powder,” and building a portfolio that supports long-term income needsIf you've ever wondered whether your RRSP, TFSA, or corporate investments are built for true financial freedom — or just built for average returns — this episode will shift the way you think about investing.

In this episode of Your Retirement Planning Simplified, Joe Curry sits down with estate planning expert Mark Halpern to discuss tax-efficient investing, charitable giving strategies, and how Canadians can reduce estate tax while building a meaningful legacy. If you're approaching retirement and want to protect your wealth, optimize your RRSP and RRIF withdrawal strategies, and explore philanthropy in Canada, this conversation is packed with practical insight.   Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/    About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/    About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: ●      LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ ●      Instagram: https://www.instagram.com/retirement_planning_simplified ●      Podcast/Blog: https://www.retirementplanningsimplified.ca/blog ●      Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Tax season has a way of making even the most organized Canadians feel like things are a bit out of control.   On this episode of Think Smart with TMFG, we walk through what actually matters for the 2026 tax season, from key filing deadlines and the slips to expect, to the deductions, credits, and common mistakes that can quietly cost people money each year. We talk about why many Canadians end up overpaying, not because they did anything wrong, but because they didn't know what to look for. We also cover what's different for self-employed individuals, how staying organized throughout the year can make tax time easier, and why being strategic with RRSP contributions can have a bigger impact than simply trying to maximize them. The goal isn't to get everything perfect, it's to stay informed, prepared, and intentional so you can avoid unnecessary stress and make better financial decisions. Question for our listeners: What part of tax season makes you feel the most uncertain, knowing what to claim, staying organized, or worrying you missed something?

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 carrying debt into retirement could actually reduce your taxes and increase your long-term flexibility?Many Canadians are taught that being mortgage-free is the ultimate financial goal—but what happens when that mindset clashes with taxes, retirement withdrawals, and lost growth opportunities? If the Smith Maneuver or leverage-based investing has ever made you uneasy, especially when you picture retirement looming, you're not alone. This episode breaks down why “good debt” doesn't suddenly stop working when your house is paid off—and how intentional use of leverage can turn future tax problems into strategic advantages.In this episode, you'll discover:How investment debt can offset RRSP/RRIF withdrawals and potentially eliminate taxes in retirementWhy starting the Smith Maneuver earlier creates more optionality and smoother income later onHow combining RRSPs, non-registered investments, and leverage can increase net worth while reducing long-term tax dragPress play now to learn how strategic debt, done right, can give you more control, lower taxes, and greater financial freedom over your lifetime.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 KylReady to connect? Text us your comment including your phone number for a response!Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.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  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, I discuss whether it's a mistake to take your RRSP at 71. 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, Evan examines the pros and cons of RRSP loans—borrowing money to contribute to your retirement savings. He notes  while RRSP loans offer tax deductions and lower interest rates, most people would be better off avoiding them due to the costs, risks, and limited flexibility of leveraged investing.

Hosts Kevin Headland and Macan Nia recently sat down with John Natale, Head of Tax, Retirement & Estate Planning Services at Manulife, to unpack: • The real world trade offs between registered retirement savings plans (RRSPs) and tax-free savings account (TFSAs); • Why successor holder designations can spare families tax and paperwork; • A time sensitive spousal RRSP contribution opportunity after a death; • Cross border (U.S.) TFSA considerations; • Using segregated funds as a liquidity “cash wedge” after death; and • Why the value of financial advice extends far beyond portfolio returns. Take a listen for practical, plain language insights you can bring to client conversations today.

Episode Summary: Forget everything you thought you knew about pension plans being just for government workers. In this episode, pension lawyer Jean-Pierre (JP) Laporte, Pension Lawyer and Founder, Integris Pension Management, joins host Colleen O'Connell-Campbell to share a series of powerful, real-life case studies showing how registered pension plans - including Individual Pension Plans (IPPs) and Personal Pension Plans - are quietly and dramatically transforming the wealth trajectories of incorporated business owners across Canada. From a 73-year-old founder who saved his family $4 million in a single phone call, to a lawyer who discovered his pension was exempt from departure tax when relocating abroad, these are stories of what happens when the right strategy meets the right advisor. JP also breaks down the seven tax deductions available through a registered pension plan, the 2020 Ontario regulatory changes that removed the biggest barriers to entry, and why the only thing standing between most business owners and better retirement outcomes is awareness.   Key Takeaways   Since December 8, 2020, Ontario eliminated provincial registration requirements for connected persons, removing mandatory contributions, locking-in rules, and provincial fees - a major change for business owners.   Registered pension plans offer up to seven corporate tax deductions, compared to the single annual RRSP contribution - including past service recognition, higher annual contributions (up to ~30% by age 64), special catch-up payments, investment management fee deductions, loan interest deductions, and terminal funding contributions for early retirement.   Family business owners can add children to the pension plan once they are employed, creating a multigenerational wealth transfer vehicle with no 21-year deemed disposition rule (unlike family trusts).   Business owners holding passive investments inside their corporation can sell capital properties to fund the pension plan, offset the capital gain with the pension deduction, and generate tax-free capital dividends - creating a "corporate TFSA" effect.   Pension assets are exempt from departure tax when a business owner becomes a non-resident of Canada, and cross-border pension income is taxed at just 15% under most tax treaties (versus 25% for RRSP withdrawals).   Upon death without a spouse, pension plan assets can be split among multiple beneficiaries (including charities), with each taxed only on what they receive - a significant income-splitting advantage over RRSPs.   Pension plan assets enjoy creditor protection in Ontario, unlike RRSPs held outside of insurance companies.   Ideal Candidates: Family business owners with multiple generations, C-suite executives earning high T4 income, and incorporated professionals (doctors, lawyers, accountants, pharmacists).   If you are an incorporated business owner  An IPP can be a tax smart retirement engine for the right incorporated owner, but it comes with rules, admin, and costs that need to be understood up front. You can fund with more flexibility as you age, but access is not as instant as an RRSP unless you plan for wind-up timing and implications. The structure can support creditor protection and estate or succession planning in ways many founders do not consider early enough. Book a one on one Wealth Gap Analysis with Colleen O'Connell-Campbell to pressure test whether your personal plan is aligned with your exit and retirement strategy.  

Tim Powers guest hosts for Vassy Kapelos this afternoon, as U.S. President Donald Trump threatens to block the planned opening of a new bridge between Windsor and Detroit. During his first term as U.S. President, it was a project that was approved by Trump himself. We gather instant reaction from CTV U.S. political analyst Eric Ham and Windsor Mayor Drew Dilkens. On today's show: Money Talk with John Klotz: Anything and everything RRSP's. The Daily Debrief Panel - featuring Laryssa Waler, Sharan Kaur, and Nojoud Al Mallees. Andrew Baker, the Chief External Affairs Officer for the Canadian Olympic Committee, on how the Milano-Cortina Olympics have gone so far. CTV public safety analyst Chris Lewis reacts to a massive move from Ontario’s Inspector General of Policing, as a provincewide probe is being initiated on every single police force in Ontario.

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   Should incorporated Canadian business owners contribute to an RRSP — or is it quietly working against them?   On today's episode, Darren and Christina break down what an RRSP actually is (a tax deferral, not a wealth strategy), why the "you'll be in a lower tax bracket in retirement" assumption often fails for successful business owners, and how forced RRIF withdrawals + OAS clawbacks can create a much higher effective tax rate later.   They also dig into the control problem: how locking money into RRSPs can limit liquidity, reduce flexibility, and increase opportunity cost for entrepreneurs who typically earn their highest returns in their business. Finally, they address the estate planning reality — how large RRSP balances can make CRA a major beneficiary.   If you're a business owner, this is the episode to listen to before you follow the herd. Show notes:   00:00 - Introduction   02:36 - RRSP basics: tax deferral today, taxed as income later 03:22 - The "lower tax bracket in retirement" assumption falls apart 05:19 - Why business owners often retire in the same or higher tax bracket 06:21 - Real Ontario examples: income drops, tax rate barely changes 07:20 - OAS clawback explained (effective extra tax) 10:05 - The shocker: deferring ~45% to later pay ~58% effective tax 15:55 - The control problem: RRSPs lock up entrepreneur liquidity 19:20 - Corporate opportunity cost: $0.88 in a corp vs $0.50 later 23:59 - Estate planning: why CRA can become your biggest beneficiary FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.  

RRSP loans can make sense as a tool to supercharge your RRSP contributions. Let's look at the pros and cons of RRSP loans and if they're worthwhile. Blog article:https://www.ufile.ca/tips-and-tools/ufile-blog/ufile-blog/2026/01/26/do-rrsp-loans-make-sense Website: https://www.ufile.ca/ufile

Retirement is not what it used to be – for a variety of reasons. A recent survey from the Bank of Montreal suggests it's becoming more difficult for Canadians to save like their parents did.Is that true?Host Kris McCusker speaks to John Sacke, Investment Advisor and Portfolio Manager for BMO Private Wealth about new trends - both the good and bad - and how young Canadians can capitalize to avoid making the same mistakes as their parents. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstory.bsky.social on Bluesky

Are you confused by financial jargon? Do you know the difference between a stock and an RRSP? In this episode of The Clear Money Mindset, host Ben Davies goes back to basics on the Registered Retirement Savings Plan. We break down exactly how an RRSP works, why it's described as a "container" rather than the investment itself, and how it can help you lower your tax bill today while saving for tomorrow. In this episode, you'll learn: A "Container": Why an RRSP isn't an investment itself, but a home for your stocks, bonds, and ETFs. Tax Hacks: How contributions reduce your taxable income (and might even boost benefits like the Canada Child Benefit). Strategic Planning: The difference between Individual and Spousal plans and when to use them. RRSP vs. TFSA: A simple comparison to help you decide where to put your money first. Hidden Perks: How to use your RRSP to buy your first home or fund your education. Whether you are rushing to meet the contribution deadline or just starting your financial journey, tune in to ensure you aren't missing out on potential tax savings!

RRSP season is here—are you ready? Join Michelle Munro and Jacqueline Power for a timely update on tax and retirement planning strategies. Learn how to make the most of RRSP contributions, navigate recent tax changes and position your clients for long-term success. This session will provide actionable insights to help advisors deliver value during one of the most critical planning periods of the year. Recorded on January 27, 2026. At Fidelity, our mission is to build a better future for Canadian investors and help them stay ahead. We offer investors and institutions a range of innovative and trusted investment portfolios to help them reach their financial and life goals. Fidelity mutual funds and ETFs are available by working with a financial advisor or through an online brokerage account. Visit fidelity.ca/howtobuy for more information. For a fifth year in a row, FidelityConnects by Fidelity Investments Canada was ranked #1 podcast by Canadian financial advisors in the 2025 Environics' Advisor Digital Experience Study.   --   La saison des REER approche à grands pas! Joignez-vous à Michelle Munro et à Jacqueline Power pour une mise à jour sur les stratégies fiscales et la planification de retraite. Découvrez comment maximiser les cotisations à votre REER, vous adapter aux récents changements fiscaux et aider votre clientèle à préparer un avenir prospère. Cette séance vous offrira des conseils utiles pour ajouter de la valeur pendant l'une des périodes de planification les plus importantes de l'année. Date : 27 janvier 2026 Chez Fidelity, notre mission consiste à aider le public investisseur canadien à se bâtir un meilleur avenir et à rester à l'avant-garde. Nous offrons aux particuliers et aux institutions une gamme de portefeuilles de placement innovants et fiables pour les aider à atteindre leurs objectifs financiers et personnels. Les fonds communs de placement et les FNB de Fidelity sont offerts par l'intermédiaire des conseillers et conseillères en placements et de comptes de courtage en ligne. Pour de plus amples renseignements, visitez fidelity.ca/commentinvestir. Les baladodiffusions DialoguesFidelity se sont classées au premier rang pour une cinquième année consécutive lors du sondage 2025 d'Environics sur l'expérience numérique des conseillers et conseillères en placements au Canada.

We look at how you're thinking about your finances in 2026 as we near the RRSP deadline and ongoing uncertainty with the U.S trade war. CBC Money columnist and certified financial planner Rubina Ahmed-Haq takes your questions and comments about how the uncertainty is affecting your financial planning.

Marina speaks with Linsday Pinkney from Pinkney Financial about RRSP's!

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 dividends really more tax-efficient for business owners—or is that advice costing you hundreds of thousands over time?If you're an incorporated Canadian business owner, you've likely heard the age-old advice: “Just take dividends—it's simpler and saves tax.” But what if that oversimplified strategy is quietly undermining your long-term wealth? In this episode, Jon and Kyle unpack the real math behind salary vs. dividends, revealing how your compensation choices ripple through CPP contributions, RRSP room, investment opportunities, and future flexibility. Whether your business is just starting out or generating strong retained earnings, understanding these trade-offs is crucial to building sustainable wealth.By the end of this episode, you'll discover:Why dividends don't always save tax—and when they can actually hurt your long-term growthHow to use salary strategically to open up RRSP room and diversify beyond your businessA clear, math-based breakdown of which approach works best at different income and retained earnings levelsPress play now to finally take the guesswork out of how you pay yourself—and make smarter, wealth-building decisions as an incorporated business owner.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;…inveReady to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.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 of The Cash Rich Exit Podcast, host Colleen O'Connell-Campbell sits down with Muneer Feeroze and Clark Steffy of Canadian Benefits Associates to unpack two powerful retirement tools for incorporated entrepreneurs: individual pension plans (IPPs) and retirement compensation arrangements (RCAs). Together, they walk through where these plans can outperform an RRSP, what "tax smart" really means in practice, and the operational realities founders need to understand before setting anything up.   In this conversation, they cover:   Who an IPP is for, and when it starts to beat an RRSP Muneer explains that IPP contribution room increases with age, and outlines a crossover point where the IPP can become more compelling than the standard RRSP approach.   The income detail founders often miss If you want to build contribution room, the plan is tied to T4 income rather than dividend income. This becomes part of the "prep phase" for incorporated owners who have flexibility in how they pay themselves.   The alphabet soup explained: why RCAs show up in the same conversation They position an RCA as a way to fund retirement benefits beyond the IPP's cap, and discuss how these tools can work as a broader strategy for lowering tax burdens and boosting retirement outcomes.   Flexibility versus access: what you can (and cannot) do with IPP assets They discuss the reality that IPPs can be funded with flexibility, but accessing the assets is more rigid unless you wind the plan up, which takes time and has costs.   Creditor protection as a strategic feature They explain how an IPP is funded into a beneficiary trust structure, and why that can provide meaningful creditor protection relative to keeping assets inside the corporation.   What it costs to run an IPP Unlike an RRSP, IPPs require actuarial and regulatory filings, including valuation reports filed periodically. Muneer shares a concrete annual fee example for 2025 and what it covers.   What happens to the IPP if you sell your business They explain that an IPP needs a sponsoring corporation, and outline common paths business owners can take (including sponsorship through a Holdco, or winding up the plan). They also flag that wind-ups can trigger maximum transfer rules, which may force a portion to be paid out as taxable cash in the year of wind-up.   Family and succession planning use cases They discuss how an IPP can be used in a family succession context, including why some people refer to it as a "family pension plan" and how intergenerational wealth transfer can become part of the strategy when a business remains the sponsor over time.   Key takeaways for incorporated founders An IPP can be a tax smart retirement engine for the right incorporated owner, but it comes with rules, admin, and costs that need to be understood up front. You can fund with more flexibility as you age, but access is not as instant as an RRSP unless you plan for wind-up timing and implications. The structure can support creditor protection and estate or succession planning in ways many founders do not consider early enough. Book a one on one Wealth Gap Analysis with Colleen O'Connell-Campbell to pressure test whether your personal plan is aligned with your exit and retirement strategy.   Please leave a five star rating and a short review to help more founders discover The Cash Rich Exit Podcast. *** The Cash Rich Exit Podcast is brought to you by O'Connell-Campbell Wealth Management at RBC Dominion Securities.   All opinions expressed by the host, Colleen O'Connell-Campbell, and podcast guests are solely their own opinions and do not reflect the opinion of RBC Dominion Securities.   This podcast is for informational purposes only before taking any action based on information in this podcast you should consult with a qualified professional.   Colleen O'Connell-Campbell is a Wealth Advisor at RBC Dominion Securities, a member of the Canadian Investor Protection Fund.

The  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, I discuss what to put where in terms of account types (RRSP, TFSA, FHSA , non-registered), US holdings (witholding taxes) and tax optimization in general. It's all about dividend growth investing! Be ready to invest in 2026: https://www.dividendstocksrock.com/2026 2026 investment themes Investing strategies Protect your portfolio Favorite stocks for 2026! 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

Tax-Free First Home Savings Account (FHSA) If you're a first-time homebuyer in Canada, the Tax-Free First Home Savings Account (FHSA) could be the most powerful tool you're not using.   In this episode, Walter Monteiro of the Maximum Results Team at RE/MAX breaks down how the FHSA works, why it's a game-changing RRSP + TFSA hybrid, and how it can help you lower your taxes now and buy your first home tax-free later.   You'll learn: How FHSA contributions reduce your taxable income Why FHSA withdrawals are 100% tax-free for first-home purchases Annual and lifetime contribution limits Why starting early gives you a massive advantage   If buying your first home is on your radar, this episode could save you tens of thousands of dollars.  

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 build your next investment property in your personal name or through your corporation?If you're a Canadian business owner sitting on retained earnings or personal capital, figuring out how to fund your next real estate investment can feel like a high-stakes puzzle. Should you leverage your HELOC or dip into your corporate cash? Does owning the property personally offer more flexibility—or should it live in a holding company for tax benefits and liability protection? This episode dives into a real-life case study to help you navigate these exact decisions with clarity.By the end of this episode, you'll learn:The key tax and long-term planning trade-offs between owning investment property personally vs corporately.Three practical funding strategies—including when to borrow from your HELOC, your corporation, or a third-party lender.How to plan for future capital gains and use corporate-owned insurance to prepare for estate taxes without losing liquidity.Press play now to confidently map out the smartest path for funding and owning your next investment property.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Canadian business owners seeking financial freedom and early retirement are rethinking how they approach property development, corporate structures, and long-term wealth strategies. Whether you're weighing HELOCs vs. corporate borrowing for funding investment properties, or deciding between salary vs. dividends in Canada, every financial decision shapes your broader Canadian wealth plan. This episode explores how to use retained earnings strategically, optimize RRSP room, and implement tax-efficient investing through corporate wealth planning. You'll gain insights inReady 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 mailbag edition, Joe Curry answers five of the most common retirement planning questions Canadians ask—covering retirement income planning, target asset allocation, RRSP-to-RRIF withdrawal strategies, and tax-efficient investing. You'll learn how to estimate what you actually need in retirement, avoid rules-of-thumb mistakes, and make smarter choices about withdrawals, taxes, and where your investments are held.   Resources To request a link to fill out the Retirement Income Style Assessment (RISA), or to submit your own questions (perhaps they will end up in our next mailbag episode!), email us at info@retirementplanningsimplified.ca   Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/   About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/   About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

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 aggressively pay off your mortgage—or use it as a strategic tool to build wealth?As a business owner, the mortgage decision isn't just about rates and terms—it's about behavior, tax efficiency, and long-term wealth strategy. In this episode, Jon and Kyle unpack their very different mortgage scenarios to show how your financial moves can either limit or unlock new opportunities. Whether you're up for renewal or sitting on a chunk of equity, the real question is: what's the smartest next move for you?Listen in to discover:Why refinancing your mortgage might be the key to filling your TFSA—without draining your corporation.How extending your amortization can be a powerful move for financial flexibility (and not just a debt trap).A practical breakdown of when it makes sense to not pay off your mortgage—even if you could.Press play now to rethink your mortgage as more than a payment—and start using it as a tool for long-term 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.For Canadian business owners, making smart mortgage decisions goes far beyond interest rates—it's about aligning renewal strategies with a broader Canadian wealth plan. By integrating behavioral economics with financial planning tools like tax-free savings accounts, RRSP optimization, and home equity leverage, entrepreneurs can craft a personalized path to financial freedom in Canada. Whether you're weighing salary vs. dividends, exploring real estate investing or renting, or balancing personal vs. corporate tax planning, the key lies in building financial systems that support long-term wealth. From early retirement strategies and modest lifestyle wealth to corporate structure 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.

With the new year kicking off, investing is top of mind for many of us, especially with all the new contribution room that many of us just received in our different registered accounts here in Canada (TFSA, RRSP, RESP, FHSA). Now before we decide what to invest in with our contributions this year, I thought it would be wise to look into: -What are some of the major and common mistakes that Canadian investors make when they do their own analysis on which investment to buy? -When we are looking to compare two investments, whether it's a mutual fund, or an ETF, what is the process that we should follow to make sure that we are doing appropriate and thorough due diligence? -Are we paying near the low-end vs the top-end of the spectrum when it comes to fees? What would be considered a "high" fee vs a "low" fee for the Canadian investor? -Are there other charges or fees that we should be mindful of in addition to just looking at the MER for an ETF or mutual fund? -How to properly compare investments that we are considering? We go into all that and more in this episode. Enjoy! Resources Mentioned: ETF Comparison Tool ETF Guide: What I Invest In and Why? Disclaimer: This podcast is sponsored by BMO Exchange Traded Funds. Build Wealth Canada is compensated under this arrangement by BMO ETFs. This communication is intended for information purposes only. This update has been prepared by Build Wealth Canada and represents their assessment at the time of publication. The comments contained do not necessarily represent the views of BMO Global Asset Management (BMO GAM). The views expressed by the host and the interviewee are subject to change without notice as markets change over time. The information contained herein is not, and should not be construed as, investment advice to any party. Investments should be evaluated relative to the individual's investment objectives and professional advice should be obtained with respect to any circumstance. Views expressed regarding a particular company, security, industry or market sector should not be considered an indication of trading intent of any investment funds managed by BMO GAM. Any reference to a particular company is for illustrative purposes only and should not be considered as investment advice or a recommendation to buy or sell nor should it be considered as an indication of how the portfolio of any investment fund managed by BMO GAM is or will be invested. This social media network is an independent organization and is not affiliated with BMO GAM.    

Host Colleen O'Connell-Campbell breaks down the basics of individual pension plans (IPPs) for Ontario incorporated business owners and professionals. She explains what an IPP is, who it fits best, and why it can be a powerful tool for turning corporate success into predictable personal retirement income as part of a cash rich exit strategy.   Episode overview   If you are incorporated in Ontario, this is a practical primer on how an IPP works as a defined benefit pension plan set up by your corporation. Colleen covers why IPP contribution room can outpace RRSP room after age 40, how contributions are generally tax deductible to the corporation, and how IPP planning supports personal income clarity after a sale or as part of succession planning.   What you will learn   What an IPP is, in plain english, and how an actuary sets the funding math under Canadian rules   Why IPPs can allow bigger deductible contributions as you get older, especially after age 40 How IPP contributions move value from corporation to personal income, in a structured way   The common fit profile (Ontario corporation, T4 income, age 40–71, profitable business that can fund contributions) How IPP funding can include current service, past service, make-up contributions, and terminal funding near retirement What your options can be at retirement or if you sell (start pension income, commute value, or annuitize) The tradeoffs: IPPs are not "cash jars," and they come with cost, complexity, and an ongoing contribution commitment Key highlights   Why IPPs show up in exit planning Colleen frames IPP planning as part of the "personal income clarity" that founders want after an exit, while still interacting with tax strategy and transferable business value decisions (including how you pay yourself).   Governance and guardrails An IPP sits inside a trust structure with investment rules and periodic actuarial valuations, adding oversight designed to keep the pension on track.   Family and legacy considerations Colleen notes you can design a multi-member IPP that includes a spouse and adult children who actually work in the business and receive t4 income, with survivorship dynamics that can support intergenerational planning.   Connect with Colleen O'Connell-Campbell on LinkedIn. Book a one-on-one wealth gap analysis with Colleen to discuss whether an IPP fits your exit timeline and plan. Subscribe on YouTube here: https://www.youtube.com/@oconnellcampbellwealth and follow on your favourite podcast platform, and leave a five star rating and review to help more founders find the show. *** The Cash Rich Exit Podcast is brought to you by O'Connell-Campbell Wealth Management at RBC Dominion Securities.   All opinions expressed by the host, Colleen O'Connell-Campbell, and podcast guests are solely their own opinions and do not reflect the opinion of RBC Dominion Securities.   This podcast is for informational purposes only before taking any action based on information in this podcast you should consult with a qualified professional.   Colleen O'Connell-Campbell is a Wealth Advisor at RBC Dominion Securities, a member of the Canadian Investor Protection Fund.  

Home Buyers' Plan Explained | How to Use Your RRSP to Buy Your First Home in Canada Can you use your RRSP to buy your first home in Canada? Yes—through the Home Buyers' Plan (HBP).   In this episode of the Maximum Results Team Podcast, Walter Monteiro explains how first-time home buyers can use RRSP funds interest-free to help with a down payment.   You'll learn: • How the Home Buyers' Plan works • How much you can withdraw (up to $35,000 per person) • How couples can combine up to $70,000 • How the 15-year repayment period works • When this strategy makes sense—and when it doesn't This video is ideal for first-time buyers, Canadians with RRSP savings, and anyone planning to buy or build a home.  

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 high taxes really the reason you're thinking about leaving Canada—or is your financial structure quietly sabotaging your wealth?Many successful Canadian entrepreneurs feel trapped by mounting tax bills and look to places like Dubai or Panama for relief. But what if the problem isn't where you live, but how your income and investments are architected? In this episode, Jon Orr and Kyle Pearce unpack a real case of a business-owning couple on the verge of expatriation—only to uncover that poor income strategy, not Canada itself, was the root of their frustrations. If you've ever felt like your tax bill doesn't match your lifestyle, this conversation will hit home.You'll discover: • Why dividend-heavy compensation may be costing you more than you think • How to restructure investment accounts to cut six-figure tax drag • A smarter way to use RRSPs, capital gains, and corporate-owned insurance for long-term tax efficiencyPress play to learn how fixing your financial structure might save you millions—without having to leave the country.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Canadian business owners often feel overwhelmed by complex tax rules and rising tax burdens—but the real solution isn't leaving the country, it's smarter tax planning. By leveraging advanced Canadian tax strategies—like optimizing RRSP room, shifting from dividends to salary when it makes sense, and using capital gains strategically—entrepreneurs can unlock greater tax efficiency and long-term wealth. This episode explores how tax restructuring, corporate wealth planning, and tax-efficient investing can transform your Canadian wealth plan. Whether you're aiming for early retirement, building financial independence 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.

David Chilton, author of The Wealthy Barber and one of Canada's most influential voices on personal finance, joins Doug Hoyes on Debt Free in 30 for an extra special double–long episode. Doug and David dig into the issues Canadians are struggling with most: the true cost of inflation, a "K-shaped" economy, housing affordability, rising student debt, the growing gap between financial knowledge and financial discipline, and more.  Subscribe to Debt Free Digest Newsletter – Don't Miss The Chance To Win a Copy of The Wealthy Barber Buy the Wealthy Barber on Indigo Buy the Wealthy Barber Audiobook The Wealthy Barber – David Chilton's Web Page 00:00 – David Chilton on the updated Wealthy Barber book 02:27 – Why storytelling works for personal finance (and how he tested it) 06:52 – TFSA vs RRSP: how to decide in real life 15:21 – Financial literacy vs discipline in today's economy 18:29 – "K-shaped" Canada: who's thriving and who's squeezed 21:27 – First steps: debt payoff vs RRSP match priorities 22:54 – Spending summaries vs budgets: the method that actually changes behaviour 34:29 – Housing affordability, down payments, and parental help 38:06 – Gambling, meme stocks, crypto: a fast-growing driver of debt trouble 55:16 – Hope and next steps: learning money basics + building side income Need Help With Debt? If debt is keeping you up at night, you don't have to endure forever. Talking to a Licensed Insolvency Trustee isn't about filing sooner — it's about understanding your options and reducing stress. Learn more at:  https://www.hoyes.com 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 you a business owner who technically has freedom—but still can't take a random Friday off without guilt or cash flow stress?Too many Canadian entrepreneurs feel like prisoners to their own businesses. You built your company to escape the grind, yet you're still chasing invoices, sweating over tax bills, and wondering if you'll ever feel actually free. This episode dives deep into what real financial freedom looks like—not someday at 65, but today—with systems that let you own your time, not just your job. Whether you're trapped by cash on the sidelines, stuck in short-term tax thinking, or overly reliant on the "retirement pile" myth, it's time to reset your strategy.Listen now to learn:The two essential "flywheels" every business owner must build—and why ignoring one keeps you stuck.How to escape four hidden money traps, including the CRA tax drag and corporate liquidity pitfalls.Why true financial freedom is about control, not accumulation—and how to design for it now, not later.Press play to rethink freedom, reclaim your time, and start building a business that works for your life—not the other way around.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Canadian entrepreneurs seeking financial freedom often find themselves caught in hidden money traps that stall cash flow and wealth building. This episode of Canadian Wealth Secrets dives into powerful financial strategies tailored for business owners—covering everything from corporate wealth planning and tax-efficient investing to optimizing RRSP room and choosing between salary vs dividends in Canada. We unpack how to align your financial vision with practical tools like the iReady 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 unknowingly turning your RRSP into a massive tax bill instead of a wealth-building tool?Most Canadians — especially incorporated business owners — obsess over contributing to their RRSPs but give almost no thought to how that money comes out. Without a clear withdrawal plan, years of disciplined saving can result in forced withdrawals, top tax brackets, and a painful handoff to the CRA later in life. This episode reframes RRSPs not as a “set it and forget it” account, but as one moving part in a much bigger wealth system that needs intention, timing, and strategy.In this episode, you'll discover:How to use low- or no-income years to strategically draw down your RRSP before forced withdrawals kick inHow leverage strategies can offset RRSP taxes while increasing access to capital and preserving net worthWhy delaying other income sources like CPP and OAS can dramatically improve your overall tax efficiencyPress play now to learn how to turn your RRSP from a future tax liability into a flexible, intentional part of your long-term wealth system.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 strong Canadian wealth plan for business owners goes far beyond saving—it's about aligning RRSP optimization, meltdown strategies, and tax-efficient investing within a clear financial system. By understanding personal vs corporate tax planning, salary vs dividends in Canada, and how to structure financial buckets across RRSPs, corporations, real estate, and non-registered investments, entrepreneurs can reduce income tax while building long-term wealth. Thoughtful retirement planning tools, capital gains strategies, and passive income planning support financial 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 hereDo you ever feel like you should be further ahead financially — even though you've been doing everything “right”?As the year winds down, this episode speaks directly to Canadian business owners, incorporated professionals, and families who carry real responsibility and rarely pause to acknowledge their progress. When wealth-building feels slow, complex, or isolating, it's easy to mistake patience for failure. This conversation reframes what real progress looks like when you're designing long-term systems, not chasing short-term wins — and why reflection, clarity, and community matter more than optimization.You'll walk away with:A healthier definition of financial progress that goes beyond net worth and flashy milestonesA clearer mindset for building wealth through systems, patience, and intentional decisionsReassurance that uncertainty, slower growth, and thoughtful planning are signs of maturity — not being behindPress play to reset your perspective and head into the next season with clarity, confidence, and calm.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.As part of thoughtful financial reflection for business owners, end-of-year financial planning is an opportunity to shift toward progress over perfection wealth by recognizing financial wins and strengthening a long-term wealth building mindset. A strong Canadian wealth plan focuses on building wealth systems, not goals, combining proactive financial planning, financial buckets, and investment bucket strategies to create financial clarity and confidence. For Canadian entrepreneurs, this means aligning personal vs corporate tax planning, corporate structure optimization, RRSP optimization, and tax-efficient invesReady 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.

We procrastinate on taxes for the same reason we avoid the dentist. We know it's important, it just feels uncomfortable.In this episode of The Free Lunch Podcast, Colin and Blair talk about tax optimization, early planning, and why contributing sooner to your TFSA or RRSP can be one of the most underrated financial habits.It's step four in their “12 Steps to Greatness in 2026” list, and they cover all 12 to help you start the year with clarity.

If you're carrying serious debt but also have money in an RRSP, TFSA, or other investments, one of the biggest fears is this: Will I lose everything if I get help? Doug Hoyes and Ted Michalos, Licensed Insolvency Trustees, break down what actually happens to your investments when debt becomes unmanageable. They explain which assets are protected under Canadian insolvency law, which are at risk, and when cashing out savings can do more long-term harm than good. CRA TFSA Contribution Calculator Bankruptcy & Insolvency Act, paragraph 67  Hoyes Michalos Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario (00:00) Debt and investments: will savings survive serious debt? (02:10) The fear of "losing everything" when seeking debt help (04:20) Pressure to cash in investments before asking for help (06:30) Using a TFSA to pay debt: when it makes sense (09:10) RRSP withdrawals and the real tax consequences (12:45) Why multiple RRSP withdrawals don't reduce total tax owed (15:30) What happens to RRSPs and pensions in bankruptcy (18:40) Which investments are not protected in insolvency (21:30) Consumer proposals vs. bankruptcy: what you keep (24:30) Can you still invest while repaying debt? 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

In this special year-end AMA, the full PWL crew — Ben Felix, Cameron Passmore, Ben Wilson, and Dan Bortolotti — sit down together for the first time on the podcast to reflect on the roller-coaster that was 2025 and to tackle a wide range of thoughtful listener questions. The episode begins with reflections on a year that included wild market swings, an extraordinary rally few predicted, major changes within PWL, and personal milestones. From there, the team dives deep into the psychology of staying invested, the real risks of inexperienced investors going 100% equities, the complexity of asset location and pre-tax vs. after-tax allocation, and how to talk to family members who are paying too much in investment fees.   Key Points From This Episode: (0:04) Introduction — first-ever full-team recording and setup for the year-end AMA. (1:12) Why not all AMA questions could be answered — over 400 submissions and many not suited to the format. (1:48) 2024 market recap — from early-year panic to strong double-digit global equity returns. (3:59) The speed of recoveries — why missing a quick rebound can permanently derail returns. (5:34) Cameron's lessons from 2024 — unpredictability, growing adoption of evidence-based investing, joining a bigger organization, and driverless-car optimism. (7:41) Ben Wilson becomes a co-host — an unplanned evolution shaped by listener feedback. (9:51) Dan on humility in forecasting and reconnecting with theoretical research. (11:18) Ben's personal year — firm acquisition, equity value jump, and navigating his cancer diagnosis. (12:32) Talking to parents about high fees — emotional dynamics, non-confrontational questions, and the danger of implied judgment. (23:01) Should beginners hold 100% equities? Behavioral risk, volatility blindness, and why it shouldn't be the default allocation. (30:35) Pre-tax vs. after-tax asset allocation — why RRSP dollars aren't equal to TFSA dollars and how that changes true risk exposure. (36:09) Why PWL rarely optimizes asset location — complexity, low payoff, and behavioral clarity. (44:42) What PWL does (and doesn't) offer — discretionary management, integrated planning, outside specialists, and tax deductibility rules. (49:04) "I know I need index funds — but how do I actually buy them?" Robo-advisors vs. one-ticket ETFs and why placing a trade is the real barrier. (57:47) Ben's lessons as a new homeowner — maintenance costs far above expectations and the hidden burden of being your own contractor. (1:01:54) The strangest portfolios — single-stock windfalls, leverage without client awareness, bullion-only strategies, and the infamous "meatloaf portfolio." 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 on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin 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/ Ben Wilson on LinkedIn — https://www.linkedin.com/in/ben-wilson/   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

In this Snippets episode, Leon Goren sits down once again with John Mendis, tax partner at McGovern Hurley, for a timely conversation on year-end tax planning strategies for individuals and business owners. With December 31st fast approaching, John shares practical reminders and actionable insights to help listeners make informed tax decisions before the deadline.Learn about key personal tax considerations such as TFSA versus RRSP planning, tax-loss harvesting rules, and charitable giving strategies. John also dives into important corporate tax topics, including shareholder loans, salary versus dividend planning, bonuses, and common pitfalls business owners should watch for as the year closes.Tune in for a comprehensive overview of smart, proactive tax planning.

In this episode, the team digs into the newly updated 2025 edition of The Wealthy Barber — Dave Chilton's iconic Canadian personal finance book that helped shape millions of financial journeys. Ben, Dan, and Ben walk through the biggest lessons Dave has reworked for a world of high housing costs, social-media-fueled spending pressure, new tax-sheltered accounts, and the ever-present noise of investing advice. This discussion explores why the book remains so effective: it blends timeless principles with approachable storytelling, humor, and deeply practical guidance. The conversation also highlights Dave's real-world insights from reviewing thousands of personal financial situations across Canada. You'll hear how the book explains foundational habits like paying yourself first, why simple investing beats stock picking, how renters can build wealth, and why understanding your own spending is the key to unlocking both financial progress and happiness. Whether you're brand new to money or a seasoned investor, the updated lessons hit harder in 2025 than ever before.   Key Points From This Episode: (0:04) Introduction — recording early and setting up a deep dive into the updated Wealthy Barber. (0:53) Why the new 2025 edition lands so well: humor, modern references, and timeless lessons. (1:30) Dave Chilton's real-world insight from reviewing thousands of Canadians' financial situations. (2:23) Why the storytelling works — characters, humor, and accessible teaching. (3:45) Inside the narrative: Roy the barber, Matt, Maddie, Jess, Kyle, and the barbershop regulars. (7:53) Lesson 1: "You can do this" — personal finance isn't about math, it's about simple principles. (12:08) Lesson 2: Save 10% and pay yourself first — habit beats theory, compounding does the rest. (14:29) Why saving is hard today: algorithms, FOMO, lifestyle creep, and rising costs. (16:57) The behavioral case for saving early, even if economists say otherwise. (18:52) Lesson 3: Be an owner, not a loaner — stocks vs. bonds and the engine of human ingenuity. (22:49) The investor's paradox — the less you think you know, the better you invest. (24:05) Why indexing wins: skewed stock returns and the impossibility of picking winners. (27:49) How investing has changed since 1989 — indexing is now widely accessible. (28:18) "The world feels scary today…" — the 1847 quote showing it always feels that way. (34:03) RRSP vs. TFSA — identical outcomes at equal tax rates, and why RRSPs shine when taxed lower later. (39:12) Debunking the RRSP "tax bomb" — why high earners still benefit most. (42:06) Lesson 4: Housing — the four levers to buy today (cheaper homes,

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 an investment made with leverage—whether through OPM, a HELOC, or a whole life policy—suddenly goes bad?Canadian business owners and families often worry about using leverage to build wealth, especially when markets turn or a deal underperforms. It's easy to feel uneasy when the value of an investment dips, your home equity stalls, or you're unsure how a leveraged move might affect your long-term financial security. This episode unpacks the emotional and financial realities behind these decisions, showing how to think clearly about risk, liquidity, and diversification—without letting fear shut down your wealth-building strategy.In this episode, you'll discover:Why the type of asset you leverage matters—and how different reservoirs (cash, home equity, whole life policies) behave when markets fall.How to structure your wealth reservoir so a single failed investment can't collapse your system.The mindset and mechanics behind maintaining liquidity, staying diversified, and making confident investment decisions even in volatile times.Press play to learn how to build a resilient wealth reservoir that keeps your financial system secure—no matter what your next investment does.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Building long-term wealth in Canada starts with a clear Canadian wealth plan anchored in a strong wealth reservoir and smart investment strategies that balance growth with solid risk management. By integrating tools like a whole life policy, RRSP optimization, and tax-efficient investing, Canadian business owners can create an opportunity fund 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.

Simon and Dan kick off this episode with a clear, beginner-friendly walkthrough of the main Canadian investment accounts. If you’re not sure which account to pick or you need a refresher, the first half of this episode is for you. TFSA, RRSP, FHSA, RESP, taxable and locked-in accounts, Simon and Dan go over how they work, when they make the most sense, and the biggest pitfalls to avoid (like TFSA over-contributions and RRSP withholding tax surprises). It’s a perfect primer to share with friends and family who want to start investing but aren’t sure which account to use. If you’re already familiar with these accounts, in the 2nd half of the episode Simon and Dan go over 5 stocks on their radar. Tickers of stocks discussed: WSP.TO, TIH.TO, PD.TO, TECK-B.TO, TSM Check out our portfolio by going to Jointci.com Our Website Our New Youtube Channel! Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Fiscal.ai for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Start investing because your numbers say "go," not because the internet says "now." This episode will remove the guesswork from entering the world of investing and provide a straightforward way for you to judge your readiness. Using simple math in layman's terms (think "why paying 20% interest beats chasing a maybe 10% return"), we discuss what to do first, how to keep bills safe from market swings, and when it makes sense to get professional help. (00:00) Welcome Charlie Kovacs from Hoyes Michalos (02:00) Do Canadians need to take big risks to get ahead? Myth vs. Reality (05:00) Pay debt vs. Invest (08:00) Fitness Test: Do you know your ins and outs?   (11:00) Using your credit score as a tool, not a toy (13:00) Emergency fund and liquidity (16:30) Defining your "why" goals (20:00) Is saving for a first home realistic? (23:00) Are you knowledgeable enough to invest? Core concepts to know (27:00) Choosing vehicles: TFSA, RRSP, employer match, and more Should You Use a Bonus to Pay Debt or Invest? Which Debts Should You Pay First? What is the Right of Offset and What Should You Do About It? Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario 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.  

In this episode of Your Retirement Planning Simplified, you will gain insight into the optimal withdrawal order for Canadian retirement accounts — RRSP first, CPP/OAS later, TFSA last. This sequencing can save you tens of thousands in taxes. Joe explains how strategic timing creates more flexible, tax-efficient income and a more secure retirement plan.   Resources YRPS Blog: What Should You Withdraw First: RRSP, CPP, or TFSA? https://retirementplanningsimplified.ca/blog Original Youtube Episode: RRSP vs CPP vs TFSA: What Should You Withdraw First Matthews + Associates: Retirement Planning Process Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/   About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/   About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this episode, we feature two conversations that highlight PWL's culture, values, and intentional approach to advice. We first sit down with Trevor Daigle and Brett Watt, founders of EB Wealth in Halifax, to talk about why they chose to merge their thriving independent practice with PWL — PWL's first acquisition in Atlantic Canada. Trevor and Brett open up about what they saw in PWL's infrastructure, culture, and client-first philosophy, the internal hurdles they had to clear (including their own egos), and the moment they realized they "couldn't unsee" what PWL had built. Then, in the second half of the episode, PWL Portfolio Manager and Financial Planner Phil Briggs walks us through a remarkable real-world case. A podcast listener's father decided to take the commuted value of his defined benefit pension… and the family approached PWL to invest it. Rather than simply execute the plan, Phil stepped back to rigorously analyze whether that decision made sense at all. The result is one of the most compelling demonstrations of evidence-based financial planning we've featured on the show — covering risk pooling, tax implications, Monte Carlo results, survivor benefits, and the emotional side of decision-making. Key Points From This Episode: (0:00:51) Welcoming Trevor and Brett — and why their practice, EB Wealth, aligned so closely with PWL's holistic philosophy. (0:02:30) How long-term cultural fit, infrastructure, and research depth drove their decision to join PWL. (0:04:57) "We can't unsee that": The moment a visit to Ottawa convinced them PWL's values were real at every level. (0:07:45) Their biggest concern: giving up control after years of running an independent practice — and how that shifted. (0:09:43) Setting aside ego: How thinking long-term and client-first changed their perspective on joining PWL. (0:11:35) What excites them most about the future: growth, learning, and being surrounded by experts who prioritize client outcomes. (0:13:17) Seeing PWL's collaborative culture in action — and why industry-typical "sales meetings" were nowhere to be found. (0:14:43) Transitioning clients and feeling the immediate impact on conversations and relationships. (15:05) The setup: A podcast listener reaches out after his father already decided to take the commuted value of a DB pension. (17:25) Why Phil was surprised — and the questions he wanted answered before talking about investing. (17:25–18:49) The benefits of staying in a DB pension: risk transfer, inflation protection, and mortality pooling. (19:07) The risks: employer insolvency, underfunding, and historical examples like Sears Canada and Nortel. (20:10–22:04) Evaluating pension solvency: sponsors, surplus status, funding ratios, diversification, and regulatory filings. (23:49) Reasons someone might take the commuted value: investment preferences, life expectancy concerns, and survivor benefits — the central issue in this case. (25:15–30:52) The tax trap: how the "excess amount" of a commuted value can trigger immediate taxation — in this case at the 53.53% marginal rate — and how RRSP room and PARs interact. (31:26–33:53) Modeling the decision: building retirement scenarios in financial planning software, including spending, inflation, CPP/OAS, rental income, and Monte Carlo analysis. (34:00–37:54) Results: 60/40 investment after commuting: overfunded plan but with significant volatility. 100% equity: higher legacy, similar failure rate. Leaving the pension with the employer: similar retirement score but dramatically higher Monte Carlo success (96%) due to guaranteed income, inflation hedging, and tax smoothing. (38:32–40:55) Why the pension's stable income floor and deferred taxation made such a big difference — even in a shortened-life-expectancy scenario. (41:05–41:37) Other firms simply accepted the commuted-value plan; PWL was the only firm to fully analyze the decision. (43:50–44:53) How personal values, risks, and emotional comfort interact with data in real financial planning decisions. (45:00–47:28) The next decision: choosing between a higher pension with a 2/3 survivor benefit or a lower pension with a 100% survivor benefit — and how break-even analysis (age 81) informed the client's choice. (47:44–48:31) Why planning software provides clarity people can't get through gut feel alone. (48:31–49:59) Trust and incentives: why turning down a large investable sum was the right decision — and why PWL celebrates that. (50:08–51:01) Culture + incentives: how PWL's structure allows advisors to prioritize clients without sales pressure. 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 on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin 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/ Ben Wilson on LinkedIn — https://www.linkedin.com/in/ben-wilson/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

In this episode we answer emails from Camille and Jeff.  We discuss how 72(t) and asset swaps enable early IRA access, where to place managed futures and treasuries for taxes, practical cash options at IBKR and ultra-short term ETFs, designing a mix for higher safe withdrawal rates, when to ratchet spending and when to hold flat, and tracking mandatory versus discretionary spending, among other things.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapFI Tax Guy Post on 72(t):  Retire on 72(t) Payments – The FI Tax GuyWhite Coat Investor Podcast with Sean Mullaney:  Managing Taxes in Retirement with Sean Mullaney | White Coat InvestorTax Planning Book:  Amazon.com: Tax Planning To and Through Early Retirement: 9798999841599: Garrett, Cody, Mullaney, Sean: BooksUltra-short ETFs for Parking Excess Cash:  Ultra Short-Term ETF ListPortfolio Charts Descriptions of Variable Withdrawal Strategies:  Retirement Spending – Portfolio ChartsBreathless Unedited AI-Bot Summary:What if your IRA isn't a locked box until 59½? We dig into the real-world playbook for early access and smarter withdrawals, showing how 72(t) and asset swaps let you fund life now without wrecking your allocation or triggering penalties. Along the way, we answer donor questions on where to park managed futures when tax-advantaged space is tight, how to rebalance when bonds live behind the IRA wall, and the cleanest ways to earn yield on cash at Interactive Brokers with short-term ETFs like SGOV, BIL, and JPST. We also touch on BOXX for high earners and ask our Canadian friends to weigh in on legacy RRSP headaches.From there, we map a durable withdrawal framework: blend growth and value equities, hold intermediate and long treasuries for ballast, and add diversifiers like gold and trend to raise your safe withdrawal rate. If pensions and Social Security cover the essentials, a 5% withdrawal from a risk-balanced mix can still thrive over 30 years, especially when you limit spending increases to 1% instead of full CPI. For raises, we compare floor-and-ceiling rules to ratchets so you can lock in gains after meaningful portfolio advances, yet stay flexible when markets wobble.To ground it all, we run through market movers—growth stocks buzzing, gold shining, bonds steadying—and share performance across our sample portfolios, from classic Golden Butterfly to leveraged variants. Takeaways are simple and usable: your access is wider than you think, tax location is a spectrum not a slogan, and the best spending rule is the one that fits your life. Subscribe, leave a review, and tell us: which withdrawal rule would you follow this year, floor and ceiling or a ratchet?Support the show

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 hereHow do you know if you can actually afford to retire as a Canadian business owner — and are you sure the “freedom number” you're chasing is even the right one?Most business owners have built impressive balance sheets, yet still feel uncertain about stepping away from work because their wealth isn't structured to pay them when they stop earning. You may have properties, retained earnings, or a thriving company — but little of it translates into reliable, personal cashflow. This episode breaks down why traditional retirement advice fails entrepreneurs and shows a simpler, more accurate way to calculate what your lifestyle truly costs. You'll also hear how reorganizing the wealth you already have can convert static assets into sustainable, tax-efficient income for decades.You'll discover: How to calculate your real financial freedom number using a lifestyle-first formula. How to sort your assets into three practical buckets so you can unlock income without selling everything. How to build a predictable, tax-efficient income engine that keeps paying you even after you step away from your business.Press play to learn how to turn your existing wealth into a system that makes work optional.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Canadian business owners looking to build long-term wealth in Canada need a retirement planning approach that goes beyond traditional RRSP optimization and real estate investing. A modern Canadian wealth plan blends financial vision setting with smart asset organization, using financial buckets, tax-efficient investing, and corporation investment strategies to create reliable income strategies that support financial freedom Canada. By combining salary 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 hereAre you unknowingly letting taxes drain your wealth—even after years of business success?Many Canadian business owners build impressive portfolios, yet still lose thousands each year to unnecessary taxes. It's not because they're doing anything wrong—it's because they're missing the system the wealthy quietly use to build, protect, and transfer wealth efficiently. In this episode, Kyle Pearce and Jon Orr break down how to legally minimize taxes, grow your assets strategically, and turn your corporation into a true wealth engine instead of a tax leak.You'll discover:Why most entrepreneurs build wealth backward—and how defining your financial vision changes everything.How to use your corporation as a tax-efficient reservoir to trap wealth before it leaks to the CRA.The truth about tax timing—and how to outpace most investors by simply losing less to taxes.When to start withdrawing strategically (hint: not when you retire).How to design your legacy so your wealth ends up exactly where you want it—not where the government decides.Press play now to learn how to take back control, protect your profits, and engineer your financial freedom.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Building financial freedom in Canada starts with a clear financial vision and a smart, tax-efficient plan that keeps more of your wealth working for you. Whether you're a Canadian entrepreneur, real estate investor, or business owner, understanding personal vs corporate tax planning, salary vs dividends, and RRSP optimization is key to creating lasting prosperity. By developing financial buckets and a wealth reservoir inside your corporate structure, you can balance tax-efficient inveReady 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.