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Financial literacy is not emphasized enough for professionals during training, leaving many unprepared as they begin their careers. The topics covered in beyond MD apply to all professionals, including medical students/residents and practicing physicians. This podcast is led by radiologist Dr. Yatin Chadha and guided by expert analysis. Each episode, Yatin interviews accountants, lawyers, brokers, and advisors to heighten awareness on important topics, such as professional corporations, hold ...
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Send us a Text Message. Jason welcomes back DJ Max in Tokyo for the spectacular Season Three finale: negative influences, funky but not too funky drumbeats, Gifu vs Tokyo, Max's lurid romanntic past, and what might be the very hardest kind of early shit to write. Also, as a special treat for WRTES's loyal listeners, Max unearths one of his early so…
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I'm thrilled to host my friend & colleague, Arjun Saraf (CPA, CA, EMD). We focus on Mortgage Investment Corporations, with a focus on understanding the challenges in the current environment & key considerations when navigating this investment strategy. Discussion points: - Arjun's professional background (5:33) - Quick overview on New Haven's MIC (…
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Today I'm excited to host Justin Manning, a licensed life & health insurance broker from BC, to talk about a topic I've been getting many questions on lately: Health Spending Accounts, HSAs. Discussion Points: - Justin's background (4:05) - What is an HSA/PHSP (4:45) - HSA eligibility (5:42) - Who could benefit from an HSA? (9:45) - What services a…
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Send us a Text Message. The tables are comprehensively turned as Jason reads some of his early, Lawrence Durrell-infused early prose to Tom. Will Tom denounce it for the pretentious bunk it is, or will he tenderly offer up his own spine to be blessed? Tune in to find out! Also: a special appearance from Maho. Big wizard beats by the incomparable DJ…
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Today I'm thrilled to welcome Jason Pereira, award winning financial planner to the show to re-explore pension plans for professionals. The focus is on the IPP, the individual pension plan. Discussion Points: - Individual Pension Plan (IPP) overview (2:40) - Jason's background (5:25) - key definitions - defined benefit (DB) & defined contribution (…
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I am delighted to host international best selling author, Andrew Hallam, on today's episode. We have a wide ranging discussion on the pillars of a successful life, the relationships between money & home ownership & happiness, spending money to enhance life satisfaction, evidence-based investing for success & simplicity, relationships, purpose, & le…
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Send us a Text Message. Jason welcomes writer & Kill Scenes front-woman Meghan Lamb for a gabfest about love smacks & hate smacks, posthumous dead girls, being stuck inside cows, suggestions of obsession, cheating meat monkeys, bloody mermaids, corpse rats scurrying through the gore, writing to learn about the world, & the macabre shock of it all. …
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Welcome back to beyond MD! Do you have an idea you want to bring to the world? If so, this episode is for you. Today I sit down with Matija Kamikovski, CEO of Precision Finance. Matija has more than a decade of experience leading finance teams at start ups. Discussion Points: Matija's background in guiding startups (4:10) Coming up with a sustainab…
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Send us a Text Message. Something's burning, baby! Jason (who's been in trouble ever since he set his suitcase down) welcomes author Matthew Ingate (who's no pig without a wig) for a natter about Dylan's best 21st century albums, secretive gloating, stretching & moving time, Madame Godzilla, what's missing in 'The Godfather,' & a small diner in San…
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I'm thrilled to host Ali Spinner, one of Canada's most trusted voices in tax, on the implications of the proposed hike in the capital gains inclusion rate. Discussion Points: - Tax 101 & What happened to the capital gains inclusion rate (0:55) - Numerical example with 100K capital gains (5:51) - Has tax integration been violated? Where should we ho…
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Send us a Text Message. Jason welcomes writer Patrick Grace for a chinwag about his debut collection 'Deviant,' the pitfalls of confessional poetry, listening to your house, anxiety dreams, the local high school's drugged-up teens, how hard it is to talk about what scares us, & backseat icicles of drool. Big wizard beats, as always, by DJ Max in To…
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I'm happy to have Dr. Kevin Mailo back on the show to discuss what he's learned from investing in real estate (RE) over the last 15 years. We talk about winners and laggards in the portfolio, property managers, challenges with direct ownership in RE, the importance of due diligence in private equity, & how critical it is to understand your "why" in…
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Send us a Text Message. Jason welcomes writer Hannah Calder for an interface about chickens giving you the finger, how great Charles Dickens is, exploding kneecaps, riding horses naked down the beach, crazy parades, swollen breasts, writing the perfect book, the power & influence of early 90s music videos, and kissing viking lovers and/or dictators…
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In this episode I sit down with Parish Bhumgara from Gardiner Roberts LLP to discuss corporate shareholder agreements (CSA). Discussion points: - Parish's background (2:05) - Corporate shareholder agreements/CSAs: what & when? (2:40) - CSAs: who should consider this? (3:45) - CSA structure (6:20) - CSA share types (8:05) - Key details to be outline…
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Send us a Text Message. Jason welcomes novelist Wayne Ng for a rattle about being named Wayne or Jason, starting late, whether or not scribbling is writing, the realities of self-promotion, the ballsiness of writers, ass-kicking kung-fu Asian stereotypes, and the real reason why writers are cool. Big wizard beats, as always, by DJ Max in Tokyo. Tha…
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Today I discuss some of my investments. There have been wins along with some subpar performances. I've also caught myself occasionally falling into common investing traps. Today I address it all and what I've learned from my experiences. Discussion points: - #1: focusing too much on price (4:46) - #2: the importance of understanding what you are in…
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Today I welcome Kim GC Moody, one of our country's top tax experts, to discuss AMT (Alternative Minimum Tax) changes for 2024 & beyond and the potential implications for high income earners in Canada. The podcast has 3 segments: 1) AMT history & mechanics 2) AMT changes 3) AMT Scenarios Discussion Points: AMT basics (0:47) Table of contents (2:07) …
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Send us a Text Message. Jason welcomes beautifully laconic poet Tonya Lailey for an interface about wine agencies, comfort books, thin places, what's fab about Nova Scotia, Calgary's supportive writing scene, dot matrix printers, industrial agriculture, allowing the mistake, & how the trick is fun. Look for her debut collection, 'FARM: Lot 23,' out…
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I'm thrilled to host Dimitre Ranev, MD. Dimitre is a savvy mind when it comes to DIY investing. I've benefitted from his wisdom over the years & I'm excited to pick his brain on his investing approach today. This episode features Arya EHR - https://www.aryaehr.com/ **I endorse only products/services I personally use or would use. I can get commissi…
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Send us a Text Message. CALM DOWN. Jason welcomes podcaster and author of '60 Songs That Explain the '90s' Rob Harvilla for a confabulation about furious moping, tongue exercises, the glory of New Kids on the Block's 'Games,' wack slacks and lame stains, not leaving your pizza burning, rad steez, clutching at borrowed pearls, and the best KISS song…
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I'm thrilled to welcome back our colleague, Dr. Ketan Kulkarni, who is a pediatrician, coach, author, & entrepreneur. This is a fun and wide ranging interview. We discuss Ketan’s new book, Soar: A Soul's Quest (link below), what a rich & successful life means to us, how to stick to our core values, time management, financial needle movers, bringing…
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Send us a Text Message. Jason welcomes Jason for a jaw about Thousand Island pirates, comfort reading, defacing books, fireworks for Hitler, getting your ego out of the way of the writing, & a naked onion in the park with Pierre Berton. Music, as always, by DJ Warm Farm Milk Max in Tokyo. Thanks to Wayne Emde for the artwork, Joe Emde for help with…
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Thanks for tuning in to part 2 of multiple streams of income with Dr. Stephanie Zhou. One thing I hope people can take away from these interviews is that it's possible for many of us build a diverse and rewarding career....the multiple streams of income is the cherry on top. Discussion Points: Getting paid to offer advice in your area of expertise …
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Join Dr. Stephanie Zhou in today's episode as she dives into her diverse career and the streams of income that come with it. Dr. Steph specializes in addictions medicine at Sunnybrook Hospital, leads the Financial Literacy Curriculum at the University of Toronto, started the annual Physician Financial Wellness Conference, and was recognized among C…
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Send us a Text Message. Jason welcomes Vancouver's Poet Laureate for a ramble about Emily of New Moon, writing into fear & anxiety, concrete corpses in the living room, goth trenchcoats, werewolves draped in mourning, having some feelings & a trombone, reading to dogs, & the real answer to the question "How do I get published?" Music, as always, by…
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Hello all! We decided to add a few details to Part 4 on Permanent Life Insurance with Jeff Bernstein (CLU, MFA-P). While some may elect to cancel policies, there are also options for navigating policies without fully exiting, which are covered here in a quick summary: 1. APL (Automatic Premium Loan) 2. RPU (Reduced Paid-Up Option) 3. Premium Offset…
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Send us a Text Message. Jason welcomes author Steven Lattey for a yackety-yak about Dylan & Ginsberg, reading with patience & gratitude, hitchhiking, convenient access to suffering & struggle, glories never ceasing & glories never coming, & self-help gone bad. There’s a bit of poetry, as well, & you can check out more of Steven's stuff at www.steve…
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Thank you for joining me on the final segment of permanent life insurance with Jeff Bernstein, CLU, MFA-P, owner & managing partner of Seligman Insurance. Discussion Points: - The White Coat Investor & permanent life insurance (1:26) - Who can benefit from permanent life insurance? (3:44) - Commissions on permanent life insurance (8:14) - How do co…
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Welcome to Part 3 of Permanent Life Insurance with Jeff Bernstein, CLU, MFA-P, owner & managing partner of Seligman Insurance. Discussion Points: Summary of the death benefit (0:58) Permanent life policies for the kids? (2:58) Corporate Insurance Retirement Plan (6:10) Infinite banking/being your own banker (beware) (18:50) Immediate Financing Arra…
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Welcome to Part 2 of Permanent Life Insurance with Jeff Bernstein, CLU, MFA-P, owner & managing partner of Seligman Insurance. Discussion points: PAR Whole life investments (2:05) PAR fund performance, dividend scales (5:51) PAR fund actuarial assumptions (9:45) Performance headwinds/tailwinds, dividend smoothing (14:55) Open and closed policy bloc…
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It's finally time to tackle permanent life insurance with a series of episodes. I'm thrilled to host Jeff Bernstein, CLU, MFA-P, owner & managing partner of Seligman Insurance as we do a deep dive on this topic. Discussion points: Jeff's background (5:57) What is permanent insurance? (9:30) Considerations for permanent life (12:30) Core concepts: a…
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Send us a Text Message. Jason welcomes Corinna Chong for a confab about when we stop regretting the people—& the writers—we used to be, plugging gaps with memories, plagiarizing ABBA, the power of end stops, the superpowers writers need, heart worms, licorice holders, & defacing pristine notebooks. Music by savage hunk DJ Max in Tokyo. Thanks to Wa…
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In this episode I welcome Rounak Langhe, MBA, CFA, founder of Durham Asset Management. Rounak is an expert in fixed income investing. The aim of the this episode is to cover the fundamentals of bonds. Discussion Points: - Rounak's background (3:35) - what is a bond? Understanding the the 3 C's & coupon rate, maturity, and payment dates (8:40) - ove…
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Send us a Text Message. Jason welcomes songwriter & musician Daniel Powter for a chinwag about the mysteries of remote Vernon, British Columbia, skipping class to play piano, how Jason didn't launch Daniel's musical career, smashed violins, Prince's Lovesexy tour, not impressing your mum, not knowing who's the prime minister of Canada, and Nite Mag…
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This episode provides a deep dive into donor advised funds, a lesser known philanthropic strategy. I'm happy to have Mark Halpern, CEO of WealthInsurance.com back on the pod. Discussion points: - what is a donor advised fund/DAF (5:23) - what can flow into a DAF? (8:23) - transferring appreciated corporate securities to a DAF (11:50) - rules around…
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Send us a Text Message. Jason welcomes Lorna Crozier for a gab & a yak about stone angels, that shivery sense good writing gives you, being corny & earnest, unwrapping your brain, just what it is about cats anyway, Kerouac in Vernon, riding the poem wherever it wants to go, and how, by God, there is light. And then Lorna makes Jason cry. Music by s…
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Today I host Ricky Zhang, founder of the Prince of Travel. This is a deep dive on understanding & optimizing travel rewards so that we can travel the world by spending less! Discussion Points: Ricky's background & the origin of Prince of Travel (3:45) How does the points system work? (7:07) Earning points rapidly through credit cards (11:14) Credit…
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Thank you for joining me for part 2 with the Loonie Doctor (Dr. Mark Soth). Discussion points: - summary of sources of corporate tax drag (1:44) - how does Mark invest his own money? (3:55) - optimal salary & dividend mix (6:39) - Mark's view on individual pension plans/IPPs (8:42) - What's moved the needle most for Mark? (11:29) - Decumulation ove…
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Due to popular demand, finally overcoming my procrastination, and finally getting more comfortable with my knowledge base, I am thrilled to welcome Dr. Mark Soth (aka The Loonie Doctor) to beyond MD. This is corporate tax and corporate investment optimization 101. Discussion Points: The mission behind the Loonie Doctor Blog (2:41) Mark's evolution …
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Today I sit down with Dr. Michael Fralick, who is a Clinician-Scientist at the University of Toronto to talk about locuming as a physician. Mike and his brother, John Fralick, host the Rounds Table podcast, bringing summaries of the most relevant randomized controlled trials to practicing physicians. Table of Contents: My opinion on the benefits of…
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Welcome to my 50th episode! Today we focus on the most important insurance policy we all need: disability insurance (DI). The discussion focuses on fully understanding the policy & key riders, and optimizing the policy for your needs (as well as cost). Please note: DI basics are covered in episode 2 for anyone seeking a refresher. My guest: Kristen…
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Send us a Text Message. We're not sinking—we're crashing! Jason welcomes the titans of Season One back for a clash of cringe that runs the gamut from brambles & hassles to madness levels to walls dripping tears to using the microwave after 10 pm to the wind blowing you from behind. This is early shit that's WAY too legit to quit. Dave Antich, Victo…
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Thanks for joining me on part 2 of my money mistakes.....too many to count ;) After discussing the highlights from my California road trip, I talk about 6 more mistakes that have cost me big & what we can learn from them. The first mistake starts at (6:09). This year we made a conscious decision to travel the world more & live our best lives today.…
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Send us a Text Message. Jason welcomes Japanese media personality Kaho Shibuya for a prismatic chat about reading novels to understand Japan, teachers turning into deer, an unusual use for Minute Maid Morning Banana jelly, being jealous of temples, & how cooking at home befriends you in the realm of your budget. Also discussed: the recent English t…
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Thank you for tuning in to my 4th solo episode. We all make our fare share of mistakes & I am no exception. In fact, I've made so many financial mistakes that it will take at least 2 episodes to cover them all. Links to content covered in this episode: Amex platinum credit card (business owners & sole proprietors): https://americanexpress.com/en-ca…
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Send us a Text Message. Jason welcomes novelist Nathan Whitock for a waffle about Pulsar & the Six Million Dollar Man, the problem with free jazz, not being attracted to the perverse & underground, candied bile, David Foster Wallace, & Nathan's infamous take down of Oliver Stone's 'JFK.' Nathan also violates the show's premise & reads something ear…
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Jamie Golombek is back!!! This time to discuss a frequently requested topic: TRUSTS Outline: Jamie's background (1:48) Basic overview of trusts (3:15) Big picture: why would one want to open a trust? (6:12) Trusts nitty gritty (contributions, assets, taxes, corporate transfers) (7:45) Income splitting using a trust (11:09) Tax implications for trus…
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Send us a Text Message. Jason welcomes writer, musician, and publisher Michael Whone for an interface about the joys of the mundane, still hating Dostoevsky, last books, shoplifting Kerouac, and Jason's upcoming poetry collection, little bit die, published by Michael's Bolero Bird imprint. Special bonuses: music from Michael's new acid jazz album, …
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It's my pleasure to host Stefan Scott, a fee-for-service (flat-fee) Financial Planner. He is a valued voice on the Physician Financial Independence Facebook group & is exceptionally well versed on the First Home Savings Account (FHSA). Discussion points: - Stefan's background (6:42) - FHSA overview (9:10) - Eligibility, definition of first time hom…
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Send us a Text Message. Jason welcomes memoirist Kelly S. Thompson for a free-ranging ramble about mentoring & being mentored, shitty first drafts, lingering in the ugly, basic training of the mind, misanthropic penguins, cavemen fighting spacemen, bull terriers named Ham, & Kelly's new book, "Still, I Cannot Save You." Music by the angelic DJ Max …
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