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A weekly reality check on sensible investing and financial decision-making, from two Canadians. Hosted by Benjamin Felix and Cameron Passmore, Portfolio Managers at PWL Capital.
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A Canadian Personal Finance Podcast, sharing ideas about money and how to build wealth.
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Welcome to Half Banked, the go-to podcast for young Canadians trying to navigate the complex world of personal finance. Join Cadeem Lalor and Bethan Moorcraft weekly as they ask the big money questions that matter to you. With fresh insights and relatable stories, we'll empower you to make savvy financial decisions you can bank on.
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Millennials face an unprecedented financial landscape in modern life. We’ve been told all along there are financial markers to being a grown-up: owning a home, having kids, traveling, having some kind of social life. But for many millennials, lots of those things feel well out of reach. We’re fumbling through a brand new version of adulthood, but how do we navigate that without being stressed about finances all the time? Business reporter Ghada Alsharif speaks to fellow millennials about the ...
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My name is Rob, and my goal is to guide Canadians in a proven process to pay off debt, be intentional with their money, and live with outrageous generosity. Are you ready to tell your money where to go, rather than wonder where it all went? YOU CAN DO IT and it's TOTALLY worth it.
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An archive of podcasts about all aspects of charity law in Canada. Tips, trends, and vital how-to information for anyone running a nonprofit in Canada. Note: we are no longer producing new podcasts here.
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Welcome to the Unconventional Wisdom podcast. The show that helps you achieve financial security & freedom. Insights based on in-depth experience from Canada's #1 financial planner blogger. Find out what really works. Your host, fee-for-service financial planner & tax accountant, Ed Rempel.
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Giving Canadians everything they need to be ready for retirement
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the official business podcast Channel of BizReflections.ca
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Do you want to become a millionaire? Take the first step to becoming one with the Pay Less Tax book. Visit https://paylesstaxbook.com/ today to get your free copy!
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Are you wondering whether your financial plan is going to lead to that wealthy Canadian lifestyle you envision for your future? Over the last 5 years, former mathematics teachers and serial entrepreneurs Kyle Pearce and Jon Orr have been implementing alternative wealth building and income tax strategies that have allowed them to transition from high net income to high net worth. Now, they seek to share these Canadian Wealth Secrets to empower the creation of a financial future that allows yo ...
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I got out of debt and reached financial freedom by 30. Let me teach you how to do it too! thefinancediaries.substack.com
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Real estate investing in Canada can be confusing. You own your first home, but where do you go from here? How do you build your portfolio and your wealth? The confusion ends here. Quentin DSouza is your host, an award-winning real estate investor and founder ofAppleridge Homes, which started with small single-family homes in 2008 and has grown to large apartment buildings and growing towards 100 million+ in assets under management. On this podcast, you'll learn how to take your high-income, ...
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Join us on the WTF Am I Even Doing Talk Show, the ultimate resource for real estate investing and everyday life things. Whether you're a seasoned pro or a beginner, this podcast has got you covered. Discover valuable insights, tips, and strategies from our expert guests who will guide you through every aspect of real estate investing, including house flipping, Short Term Rental, and creating passive income streams, dogs. Beginner or Advanced Investor, we got you covered.
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What is Hard Money? What is a hard asset? Do I need them? Maybe I already own them? You have questions, we have the answers. Tune in to a brand new show with brand new ideas built for the average investor. Hard Money Presented by Delta Harbour Assets is a show about owning and investing in physical gold, silver and other precious metals that protect and grow your wealth. Join us weekly or find us online at www.deltaharbour.com
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Two highly experienced wealth advisors sharing practical insights on wealth management with the goal of helping listeners feel more comfortable with their money. Hosted by Christie Matwee MSc, MBA, CFA and Shawna Perron MBA, CIM, FEA. Christie and Shawna are Portfolio Managers each with over a decade of experience helping high net worth investors grow and preserve their wealth. Whether you're new to investing or have been investing for years and need a refresher on some of the fundamentals, ...
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Hem Bhatt provides the basics as well as some advanced thinking over the episodes in this podcast series. And Hem is definitely someone people should to as he has built a career around understanding money, the role it plays in our lives and how to keep more of it to guard and secure our future. He has a bachelor’s in business administration in Accounting and Taxation, a master’s Certificate in Project Management, an LLQP and completed courses in Canadian Investment Funds and Branch Managemen ...
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Episode 319 - The Ultimate RRSP vs. TFSA Showdown
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Which account should you choose, a registered retirement savings plan (RRSP) or a Tax-free savings account (TFSA)? This is one of the most common decisions that Canadians must make when it comes to investing, but it will also elicit some of the most passionate responses. RRSPs especially get a lot of undue skepticism, with some even labelling it as…
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RRSP Investment Options and Alternatives For Business Owners [Secret Sauce Ep6]
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Are you an incorporated business owner struggling to determine the best retirement investment vehicle for the profits you retain in your corporation each year while minimizing the overall tax burden? Incorporated business owners often face the challenge of effectively managing retained earnings while planning for retirement. Traditional strategies …
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Here are three key insights that I believe are essential for navigating the rest of the year and beyond. These insights are grounded in the principles that have guided our successful financial planning and investment strategies. The three key areas: Some timeless truths that guide our financial planning, a few observations on the markets so far thi…
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Why the Capital Gains Tax Increase in Canada Isn’t Your Biggest Tax Problem
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Does the increase in Canadian capital gains tax inclusion rate rolled out by the Liberal government have you wondering how this change will affect your investments and overall net worth? In this episode Canadian Wealth Secrets, we address the most common misconceptions related to Canadian capital gains tax inclusion rates and we unpack the recent i…
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What Should A Good Financial Advisor Charge To Manage My Investment Portfolio? [Secret Sauce Ep9]
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Are you paying too much in investment fees and wondering how to optimize your investment portfolio? Are you unsure what a good financial advisor should be charging you or even how to choose a wealth manager? Discover how to lower your costs and maximize your returns in this episode! In this episode, Kyle Pearce from Canadian Wealth Secrets addresse…
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Episode 318 - Assia Billig: Is Canada Pension Plan (CPP) Sustainable?
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If you’re in the Canada Pension Plan (CPP), then you won’t want to miss today’s conversation with Canada's Chief Actuary, Assia Billig. Assia’s knowledge of the CPP is extensive, having joined the Office of the Chief Actuary (OCA) in 2008, where she was involved in the preparation of statutory actuarial reports on the Canada Pension Plan and Old Ag…
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The Smith Maneuver Explained: A Case Study On Innovative Investment & Tax Strategies
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42:17
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Are you tired of high mortgage interest rates eating into your savings? Discover how the Smith Maneuver could turn your biggest expense into a powerful investment strategy! In this episode, hosts Jon Orr and Kyle Pearce unpack a real case study to dive deep into the Smith Maneuver, a financial strategy that aims to convert non-deductible mortgage i…
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Solving Your Retained Earnings Tax Problem | Corporate Tax Strategies [Secret Sauce Ep8]
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Are you struggling to navigate the complex world of corporate tax strategies and maximize your business's retained earnings? In today's challenging financial landscape, many business owners face the dilemma of how to efficiently manage and grow their retained earnings while minimizing tax liabilities. This episode of Canadian Wealth Secrets dives d…
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Top 5 Hacks To Maximize Your Child's RESP
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Many people are saving for their kids’ future education costs in an RESP. For some parents, it is a higher priority and they want to be able to maximize the benefits of an RESP - not just contribute the standard $2,500/year for each child. In my latest podcast episode I talk about the five hacks to maximize your child’s RESP. You’ll learn: How much…
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Episode 317 - An Economist's Perspective on Capital Gains Taxes with Kevin Milligan
1:22:48
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Today, we sit down with Professor Kevin Milligan to unpack the recent capital gain changes and the complexities of the Canadian tax system. Kevin Milligan is a Professor of Economics at the Vancouver School of Economics, University of British Columbia. He holds positions as a Scholar-in-Residence at the C.D. Howe Institute and a Research Associate …
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Who SHOULDN'T Buy A Permanent Life Insurance Policy
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Is a permanent life insurance policy right for you? Have you filled all of your tax sheltered buckets like RRSPs and TFSAs? Are you maximizing the benefits of life insurance in your wealth management strategy? In this episode of the Canadian Wealth Secrets podcast, Kyle and Jon delve into the complexities of permanent life insurance and term insura…
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Your Canadian Portfolio Rate of Return Reality Check [Secret Sauce Ep7]
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Are you aware of the true rate of return on your Canadian portfolio, or have you been misled by common myths? Many Canadian investors are lulled into a false sense of security, believing that their portfolios are achieving high returns, often citing figures like 12% annually. However, the reality is far more complex and less optimistic for the majo…
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What Happens if the Liberals Attack the Smith Manoeuvre?
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The Smith Manoeuvre has long been a popular strategy for Canadian homeowners seeking to convert their mortgage debt into tax-deductible investment debt. However, recent tax and regulatory changes have impacted the efficacy of the Smith Manoeuvre, and further changes from the Liberal government could pose additional challenges. In my latest video I …
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Episode 316 - Andrew Chen: "Is everything I was taught about cross-sectional asset pricing wrong?!"
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Are you curious about the hidden factors driving your investment decisions? Today’s guest is Andrew Chen, a Principal Economist at the Federal Reserve Board who focuses on monetary policy and financial stability. Published in leading journals, his research informs key policy decisions and helps shape the Federal Reserve’s strategy for managing econ…
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Real Estate Investment Strategies for Canadian Entrepreneurs from Experts in the Toronto Real Estate Market
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Have you ever wondered how top real estate professionals turn market challenges into wealth-building opportunities? In today's fluctuating real estate market, many investors face uncertainty about making profitable decisions. High costs, market volatility, and the fear of making the wrong move can be daunting. This episode dives into strategies use…
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Episode 315 - An Update from Avantis with Eduardo Repetto
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During this episode, we welcome back Eduardo Repetto, Chief Investment Officer of Avantis Investors. In his leadership capacity, he directs research design and the implementation of strategies and oversees the investment team and marketing initiatives. Our conversation kicks off with Edoardo’s explanation of how Avantis systemizes active management…
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Jailbreak Your Retained Earnings and Minimize Expenses Related to Income Tax & Capital Gains Inclusion Rate Hikes
26:32
26:32
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Are your retained earnings trapped inside your corporate structure? Wondering how you can jailbreak your retained earnings without gifting 50% of your net operating income to the Canadian Revenue Agency? In this episode of the Canadian Wealth Secrets podcast, we delve into the intricate world of corporate tax planning strategies and how savvy busin…
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Is Your Old Whole Life Insurance Policy Still Worth It? [Secret Sauce Ep5]
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Is your old whole life insurance policy still worth keeping for borrowing to buy assets, for infinite banking, retirement income or is it time to cancel? In this Secret Sauce episode of Canadian Wealth Secrets, we dive into a common challenge faced by many permanent insurance policyholders: understanding the true value and potential of older, low-c…
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Have you ever wondered how long you might live? Understanding life expectancy is crucial for planning a secure and fulfilling future. In my latest podcast episode I explore the dramatic changes in life expectancy over the past century, why it's expected to continue increasing, and how this impacts your retirement planning. You'll learn: Has life ex…
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Episode 314 - Professor Valentin Haddad: How Competitive is the Stock Market?
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In this episode, we sit down with Professor Valentin Haddad to unpack the intricacies of market elasticity, passive investing, and the dynamic nature of financial markets. Valentin is an Associate Professor of Finance at UCLA Anderson School of Management and a research fellow for the National Bureau of Economic Research’s Asset Pricing Program. Hi…
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Passive Income Investing Through Real Estate: Are You Building a Real Estate Investment Portfolio or Real Estate Business?
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When you started turning your attention towards real estate as your passive income investing path, were you thinking that it wouldn't be much work? If you did, you're wrong. Unless you are a joint venture money partner, investor in a fund or REIT, you're actually building a business rather than a passive income investment portfolio and that may or …
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Volume Negates Luck: Hot Take On Alex Hormozi’s Favourite Business Phrase [Secret Sauce Ep4]
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Ever heard the phrase “Volume Negates Luck”? Today, we dig into Alex Hormozi’s phrase describing how consistent, repetitive actions in business and wealth-building can create opportunities that seem like luck but are actually the result of deliberate effort. This concept can directly impact anyone striving to increase their financial success, as it…
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TFSA or RRSP? – The Right Answer for You (2024)
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Deciding between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP) can be one of the most challenging financial decisions you'll face. Each has its benefits, and the right choice depends on your unique financial situation. In this post, I'll guide you through understanding the factors that determine whether a TFSA or…
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Episode 313 - When Should You Hire a Financial Advisor?
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Low-cost index funds and digital tools have revolutionized wealth-building, making it easier than ever before to manage your own investment portfolio. However, additional support and expert advice can be critical to help you reach your financial goals, especially when facing complex financial decisions, feeling overwhelmed, or deciding to change yo…
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From $1,000 to $10 Million: A Canadian Real Estate Journey From 60-Hour Work Weeks to True Time Freedom
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Imagine moving to a country with only $1,000 in your pocket and a dream of improving your way of life only to realize that your dream meant grinding over 60 hours per week for “success.” In today’s episode, we’ll be interviewing Luis Limgenco as he shares his journey as an immigrant whose hard work and dedication led him to what many would consider…
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Are Your Investment Priorities Out of Whack? Time for an Adjustment? [Secret Sauce Ep3]
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Your priorities may be out of whack and you’re focusing on the wrong things. Discover how a simple shift in mindset could transform your approach to business, personal, and financial success and happiness here in Canada. Many of us find ourselves living to work rather than working to live. This common problem can lead to burnout, stress, and a lack…
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Episode 312 - Prof. John M. Griffin: Forensic Finance and the Power of Research
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Discover the hidden underbelly of financial markets in today’s episode featuring Professor John M. Griffin, a leading forensic finance expert and the James A. Elkins Centennial Chair in Finance at McCombs School of Business at the University of Texas at Austin. Tuning in, you'll learn how forensic finance exposes illicit activities in crypto market…
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The Smith Maneuver in a High-Rate Era: Maximizing Canadian Income Tax Deductions
1:05:44
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Have you ever wondered how you can leverage high-interest rates to your advantage when borrowing to invest? In today's uncertain economic climate, many Canadians are hesitant to borrow for investments due to rising interest rates. The common perception is that high rates automatically diminish the feasibility of strategies like the Smith Maneuver, …
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Finding The Best Rate of Return May Be Holding You Back To Creating Wealth [Secret Sauce Ep2]
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Finding The Best Rate of Return May Be Holding You Back To Creating Wealth Have you ever wondered if your obsession with finding the perfect investment strategy might actually be holding you back from achieving your financial goals? In this episode of the Canadian Wealth Secrets Podcast, we dive into a common dilemma many Canadian investors face: t…
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How To Have a Long Lifespan, Healthspan & Wealthspan With 3.0 Level Thinking
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How long should you expect to be retired? You want your money to last the rest of your life. How long will you live? What quality of life will you have? What will your lifestyle cost you when you are older? What if you could: Live longer (long lifespan). Be healthy longer (long healthspan). Have financial freedom longer (long wealthspan). In my lat…
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Episode 311 - Is Roaring Kitty a Good Role Model?
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When witnessing the dramatic payouts of miracle trades, it's easy to be lured into thinking that your big score is just a few trades away. But as is evident in trading options for retail investors, it is neither quick, simple, nor easy to make guaranteed returns on your investments. In today's episode, Ben and Cam walk us through the many reasons w…
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Should Canadians Invest In the US? The Pros and Cons of Investing in the United States Economy
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Not sure where you stand when it comes to where to park your investment dollars moving forward in 2024 and beyond? With the most recent 2024 Canadian Federal Budget released recently with even more punitive tax implications for investors, it seems that many Canadian investors are talking about looking South of the border to begin investing in real …
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Are You On the Right Path for Financial Independence, Retire Early (FIRE)? [Secret Sauce Ep1]
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Are you truly prepared for financial independence, or could the FIRE movement be leading you astray? In this “Canadian Wealth Secret Sauce” episode of the podcast, we dive into the weeds of the FIRE movement (Financial Independence, Retire Early) and question the practicality of living “financially free” while in the lowest Canadian tax bracket. If…
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How To Create a Financial Plan That Is Your Life Plan - Interview with Kornel Szrejber
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I recently worked with Kornel Szrejber, host of Canada’s #1 financial podcast “Build Wealth Canada”, on his family’s financial plan, so he could feel confident about his retirement. Kornel retired in his 30s, but he was starting to feel anxious because he wanted to make sure he wasn’t overspending. This podcast interview is a Q&A between the two of…
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Episode 310 - Professor Antoinette Schoar: Consumer Finance, Crypto, and Private Equity
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There is a huge range of factors that can impact our investment decisions, whether we realize it or not, from our level of financial literacy to our political affiliations. This is borne out in research conducted by today’s guest Professor Antoinette Schoar, the Stewart C. Myers-Horn Family Professor of Finance at MIT Sloan. Today, Antoinette joins…
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Unlocking Income Tax Secrets: Transforming Equipment Purchases Into Tax Deductions and Tax-Free Income
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Ever wondered if there's a smarter way to arrange ownership of the equipment necessary for your incorporated business to operate while creating additional tax advantages for your corporation and yourself, personally? Well, there is! In this episode, Frank McGillicuddy will be sharing some Canadian Wealth Secret Sauce as we unpack a creative and com…
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Episode 309 - Are Robo-Advisors Passive Investors?
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When robo-advisors first came onto the scene, they were pitched as an easy way to access index funds. These digital platforms provide algorithm-driven financial planning and investment services, with little to no human supervision, and typically use passive investment strategies. But while this technology has revolutionized access, not all robo-adv…
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Your Net Worth Really Isn’t Your Real Net Worth: How to Create a Wealth Management Strategy and Estate Plan That Works
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Do you have a blurred understanding of what your true net worth or net wealth really is? After digging into articles and resources across the web, it is clear that many Canadians have a misguided or incomplete understanding of what their true net worth or net wealth really is. If you’ve been following the basic formula of assets minus liabilities t…
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Episode 308 - Dan Bortolotti: The Canadian Couch Potato
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1:04:51
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When it comes to DIY investing, there’s always a temptation to make things more complicated than they need to be. But, in reality, embracing simplicity is one of the best ways to ensure good investment outcomes. Today’s episode features an exceptional conversation with our long-time friend and colleague, Dan Bortolotti, who has worked alongside us …
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