The Wealthy Barber Podcast
- Épisodes
- 80
- Parution
- hebdomadaire
- Dernier épisode
- 10 Nov 2026
À propos du podcast
The Wealthy Barber Podcast is Canada’s go-to source for approachable, entertaining, and free financial education. Hosted by none other than David Chilton—former Dragon on CBC’s ”Dragons’ Den” and the best-selling author of ”The Wealthy Barber” and ”The Wealthy Barber Returns”—this podcast is here to help Canadians manage their money better. Much better.
Dave Chilton has spent over 35 years demystifying personal finance, offering understandable, unbiased, and actionable advice that has empowered millions of Canadians to achieve their financial goals. Now, he’s bringing that same wisdom to your favourite podcasting platforms, with regular episodes designed to make personal finance simple, relatable, and yes, even entertaining.
Episodes of The Wealthy Barber Podcast features Dave in conversation with expert guests from across the spectrum of Canadian personal finance. From investing and real estate to taxes, RESPs, and even money psychology, no topic is off-limits. Plus, don’t miss our special “Office Hours” episodes, where Dave answers real questions from audience members, delivering informed, balanced, and sometimes downright funny advice.
Follow for Canadian personal finance made simple.
Épisodes 80
#79 — Jamie Golombek (Returns): Tax Tips and Mistakes to Avoid
Our guest this episode is Jamie Golombek — Managing Director of Tax & Estate Planning at CIBC Private Wealth and one of Canada's most trusted voices on personal tax. A CPA, CFP and CLU, Jamie has written a …
Notes de l’épisode
Our guest this episode is Jamie Golombek — Managing Director of Tax & Estate Planning at CIBC Private Wealth and one of Canada's most trusted voices on personal tax. A CPA, CFP and CLU, Jamie has written a weekly tax column for the Financial Post for close to 25 years and is a regular on BNN, CTV and CBC. He's back for his second appearance on the show as a fan favourite his first time around.
In this episode, Dave and Jamie dive into the tax mistakes that trip up Canadians and how to steer clear of them. They break down the harsh CRA penalties for accidental TFSA over-contributions, the foreign property reporting rules behind Form T1135, why you should always file your return on time and how the Alternative Minimum Tax actually works. Jamie also explains where the line falls between accountant negligence and taxpayer responsibility when an error ends up on your return.
The conversation also covers year-end tax-loss selling strategies, the difference between naming a successor holder and a beneficiary on your TFSA, why donating appreciated securities in-kind can eliminate capital gains tax and where corporately owned permanent life insurance fits into an estate plan.
Whether you're trying to avoid a costly slip-up with the CRA or looking to tighten up your tax and estate planning before year-end, this episode is full of practical, expert-backed advice.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Jamie Golombek
(04:01) Automatic Tax Filing for Lower-Income Canadians
(07:05) Will the Government Change the TFSA and RRSP Rules?
(10:39) Why the OAS Clawback Is Justified
(12:36) Harsh CRA Penalties for Accidental Over-Contributions to Your TFSA
(16:44) Foreign Property Reporting Rules and Form T1135 Penalties
(21:06) Why You Should Always File Your Tax Return on Time
(22:59) How the Alternative Minimum Tax (AMT) Works
(28:26) Accountant Negligence vs. Taxpayer Responsibility for Errors
(30:25) Year-End Tax-Loss Selling Strategies
(35:10) TFSA Successor Holder vs. Beneficiary Explained
(37:40) Using a Net Worth Statement to Map Out Your Estate Plan
(39:56) Donating Appreciated Securities In-Kind to Eliminate Capital Gains Tax
(43:14) More People Are Simplifying Their Estate While Alive
(46:28) Corporately Owned Permanent Life Insurance for Estate Planning
(49:43) Conclusion
Chapitres (17)
#78 — Brian Orlando (Returns): Registered Disability Savings Plan (RDSP) 101
Our guest this episode is Brian Orlando — Halifax-based CPA and founder of Calm Money Coach, one of Canada's fastest-growing advice-only personal finance platforms. Brian first joined us on Episode #53 to make …
Notes de l’épisode
Our guest this episode is Brian Orlando — Halifax-based CPA and founder of Calm Money Coach, one of Canada's fastest-growing advice-only personal finance platforms. Brian first joined us on Episode #53 to make the case for keeping your finances simple, and he returns this time to tackle one of the most generous and least-used accounts in the country, the RDSP.
In this episode, Dave and Brian take a deep dive into the Registered Disability Savings Plan (RDSP): who qualifies, how the government matching rules work, what the Canada Disability Savings Bond provides for lower-income families and how the 10-year look-back rule can unlock years of retroactive grants. They break down why an RDSP can be worth up to $90,000 in government grants and bonds, how to invest inside the plan and why it often deserves priority over an RRSP or TFSA.
The conversation also explores how the RDSP interacts with other government benefits, how withdrawals are taxed, the widely misunderstood 10-year clawback rule and the costly mistake of leaving registered accounts sitting in cash or GICs. Along the way, Brian shares how Calm Money Coach has evolved since his last visit, why basic cash flow management still matters most, how extreme spending on kids' sports can quietly derail savings goals and the peace of mind that comes from finally getting on top of your finances.
Whether you or someone in your family may qualify for an RDSP, or you simply want to understand a savings program that only a fraction of eligible Canadians are using, this episode is full of clear, practical guidance you can act on right away.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Brian Orlando
(02:33) The Making of Calm Money Coach
(06:52) Brian's Business Models
(09:06) Who Qualifies for an RDSP?
(12:57) Organizations That Offer RDSP Support
(13:53) RDSP Matching Rules
(16:10) The Canada Disability Savings Bond
(17:32) The 10-Year Look-Back Rule for Retroactive Grants
(20:07) Someone Should Become a Dedicated RDSP Specialist
(20:58) Prioritizing the RDSP Over an RRSP or TFSA
(24:15) How to Invest Inside the RDSP
(26:46) RDSPs Can Be Worth $90,000 in Government Grants and Bonds
(27:51) How the RDSP Affects Other Government Benefits
(28:54) How RDSPs Are Taxed
(29:48) The Costly Mistake of Leaving Registered Accounts Sitting in Cash or GICs
(32:13) Misunderstanding Around the 10-Year Clawback Rule on RDSP Withdrawals
(33:32) Why Basic Cash Flow Management Matters Most
(35:29) How Extreme Spending on Kids' Sports Derails Savings Goals
(36:39) Pay Yourself First
(38:11) How Getting on Top of Your Finances Brings Peace of Mind
(40:02) Conclusion
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#77 — Julia Chung: Women, Wealth & Financial Planning in Canada
Our guest this episode is Julia Chung — CFP, FEA, TEP, Co-Founder and CEO of Spring Planning and Chair of the Financial Planning Association of Canada. Julia has worked in financial services since 1997 and has …
Notes de l’épisode
Our guest this episode is Julia Chung — CFP, FEA, TEP, Co-Founder and CEO of Spring Planning and Chair of the Financial Planning Association of Canada. Julia has worked in financial services since 1997 and has run an advice-only planning practice since 2011. She first joined Dave back on Episode #43 and returns for a second wide-ranging conversation.
In this episode, Dave and Julia dive into women and money: why young women are so hungry for financial education, what the research actually shows about female investors and why fewer women are entering the financial profession. They also cover how differences in life expectancy between men and women should shape a financial plan, and why cash flow management and simple spending summaries remain the foundation of good planning. Julia also challenges some of the conventional thinking around the great wealth transfer.
The conversation also explores what separates table-stakes service from what clients really need from an advisor, why Julia chose the advice-only model and how she is scaling that practice at Spring Planning. Along the way, Dave and Julia weigh in on whether affluent Canadians are leaving the country for tax reasons, why Dave adds 15% to insurance needs and whether a young planner can succeed without years of experience.
Whether you're a financial professional, a longtime listener or someone trying to get a better handle on your own money, this episode is full of candid, practical insights you won't want to miss.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Julia Chung
(02:49) Why Julia Gives Back to the Financial Planning Industry
(05:49) Why Young Women Are Hungry for Financial Education
(11:01) What the Research Shows About Female Investors
(14:23) Why Are Fewer Women Becoming Financial Professionals?
(17:33) Life Expectancy Differences Between Men and Women
(19:32) The Importance of Cash Flow Management & Spending Summaries
(27:15) Rethinking the Great Wealth Transfer
(32:49) Table Stakes vs. What Clients Really Need From Advisors
(35:25) Why Julia Chose the Advice-Only Model
(37:28) Scaling an Advice-Only Practice
(39:48) Are Affluent Canadians Moving Away for Tax Reasons?
(42:06) AI in Financial Planning & Confidentiality
(45:07) Insurance Needs: Why Dave Adds 15%
(50:55) Can a Young Planner Succeed Without Experience?
(53:02) Spring Planning
(54:09) Conclusion
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#76 — Adam Chapman: How to Spend, Give, and Live Well in Retirement
Our guest this episode is Adam Chapman — Certified Financial Planner and founder of YESmoney, a London, Ontario practice built around helping Canadians spend with confidence in retirement. With nearly two …
Notes de l’épisode
Our guest this episode is Adam Chapman — Certified Financial Planner and founder of YESmoney, a London, Ontario practice built around helping Canadians spend with confidence in retirement. With nearly two decades in financial planning, Adam chairs the Estate Planners Council of London and is a founding member of the Financial Planning Association of Canada. He has spent his career helping retirees figure out what they actually want and start saying "yes" to their money.
In this episode, Dave and Adam dive into the practical side of retirement income planning, from paying yourself first in retirement to managing cash flow once the paycheques stop. Adam walks through his three retirement planning checkpoints, the real costs of long-term care versus in-home care and why guaranteed income floors matter more than ever. They also break down annuities in detail, including copycat annuities, piggyback annuities and how pairing them with delayed government benefits can take the sting out of inflation fears.
The conversation also explores the emotional side of money in later life, including the struggle many couples face when selling the family home and the psychology of spending in retirement, the subject of the book Adam is currently writing.
Whether you're approaching retirement or already there and wondering how to spend without worry, this episode is full of practical, grounded advice from a planner who spends every day helping Canadians make the shift from saving to spending.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Adam Chapman
(02:08) What East Side Mario's Taught Adam About Business
(06:18) How to Pay Yourself First in Retirement
(08:22) Living in the Woods in Forest City
(09:37) Retirement Advice for Dave
(11:32) The Real Costs of Long-Term Care vs. In-Home Care
(13:06) Retirement Income Planning and Cash Flow Management
(16:40) Adam's Three Retirement Planning Checkpoints
(19:44) The Emotional Struggle of Selling the Family Home
(23:39) Writing a Book on the Psychology of Spending Money in Retirement
(27:28) Why Guaranteed Income Floors Matter More Than Ever
(29:50) Copycat Annuities
(32:31) Managing Inflation Fears with Annuities and Delayed Benefits
(37:18) Piggyback Annuities and Financial Peace of Mind
(39:55) Giving Living Legacies vs. Inheritances
(45:56) Die With Zero and Turning Money into Memories
(48:12) Conclusion
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#75 — Daniel Foch (Returns): Canadian Real Estate Update — What Happens Next?
Our guest this episode is Daniel Foch — Chief Real Estate Officer at Valery, host of The Canadian Real Estate Investor Podcast and one of Canada's most-followed voices on housing data and market analysis. He …
Notes de l’épisode
Our guest this episode is Daniel Foch — Chief Real Estate Officer at Valery, host of The Canadian Real Estate Investor Podcast and one of Canada's most-followed voices on housing data and market analysis. He first joined us back on Episode #35, and with so much having changed since then, we brought him back for a full update.
In this episode, Dave and Daniel dive into the current state of Canadian real estate, starting with where prices and sales actually sit in Ontario and BC today. They break down the Toronto condo crash and the supply crisis it has created, why unrealistic sellers are keeping the market stuck and whether rents are going to keep falling. They also cover how tariffs and AI could push unemployment higher and what that would mean for housing.
The conversation also explores the policy side of the picture, including CMHC's financing programs for rental developers, the government's housing incentives and why so many municipalities are now cutting development charges. Daniel explains why builders have stopped building small homes, lays out his concept of "houseflation" and shares his take on the biggest macroeconomic surprises of the year. Along the way, Dave and Daniel tackle whether downsizing baby boomers will flood the market, how immigration cuts are reshaping demand and how Daniel is using agentic AI to rebuild the way real estate businesses operate.
Whether you're a homeowner, a renter trying to decide when to buy or simply trying to make sense of where Canadian housing goes from here, this episode is full of data-driven insights and candid analysis you won't want to miss.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Daniel Foch
(03:35) The Current State of Real Estate in Ontario and BC
(06:44) How Tariffs and AI Could Impact Unemployment
(11:22) Why Unrealistic Sellers Are Hurting the Market
(13:44) The Toronto Condo Market Crash and Supply Crisis
(16:20) CMHC's Financing for Rental Developers
(19:35) Are Rent Prices Going to Keep Falling?
(20:18) The Impact of the Government's Housing Policy Incentives
(22:53) Why Municipalities Are Cutting Development Charges
(26:51) Why Builders Don't Build Small Homes Anymore
(28:52) "Houseflation"
(35:10) The Biggest Macroeconomic Surprises of the Year
(38:53) Will Downsizing Baby Boomers Flood the Housing Market?
(41:33) How Immigration Cuts Impact Canadian Real Estate
(44:03) Using Agentic AI to Revolutionize Real Estate Businesses
(48:52) Conclusion
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#74 — Ted Cadsby: Index Funds and Investors’ Blind Spots
Our guest this episode is Ted Cadsby — former President and CEO of CIBC Securities, bestselling author and one of Canada's earliest champions of index investing. Ted brought index funds to CIBC in the late …
Notes de l’épisode
Our guest this episode is Ted Cadsby — former President and CEO of CIBC Securities, bestselling author and one of Canada's earliest champions of index investing. Ted brought index funds to CIBC in the late 1990s, wrote "The Power of Index Funds" to make the case to everyday Canadians and has since turned his attention to how people think, with books including "Closing the Mind Gap" and "Hard to Be Human."
In this episode, Dave and Ted dive into the case for index funds and the uphill battle Ted fought to bring them to the bank, including the clash with Wood Gundy brokers who saw indexing as a threat to their business. They break down why individual stocks are so hard to get right, how unknowable variables drive stock prices, whether "play money" accounts make sense and how Ted weights his own personal portfolio.
The conversation also explores how to evaluate active money managers, how to separate luck from skill in investment performance and what to make of private equity pitches (plus Dave's due diligence approach from his Dragon's Den days). Along the way, Ted shares insights from his work on the psychology of decision making: the dangers of oversimplification and overconfidence, why active managers stay so sure of themselves and how financial biases can quietly affect our happiness.
Whether you're a committed indexer or still wondering if you can beat the market, this episode offers a clear-eyed look at investing from someone who has seen both sides of the industry.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Ted Cadsby
(02:16) A Disastrous Wealthy Barber Date
(03:22) Bringing Index Funds to CIBC
(05:52) The Clash With Wood Gundy Brokers
(09:15) Individual Stocks vs. Index Funds
(11:55) "Play Money" Accounts
(12:55) The Impact of Unknowable Variables on Individual Stocks
(15:34) Ted's Personal Portfolio Weights
(17:28) How to Evaluate Active Money Managers
(20:00) Luck vs. Skill in Investment Performance
(21:26) Private Equity Pitches
(24:36) Dave's Due Diligence Strategy on Dragon's Den
(27:23) The Psychology of Decision Making
(30:13) The Dangers of Oversimplification & Overconfidence
(35:03) Why Active Managers Stay Overconfident
(39:33) How Financial Biases Affect Happiness
(40:40) Money Should Be a Means to an End
(43:42) Conclusion
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#73 — Jason Heath (Returns): The Future of Financial Planning
Our guest this episode is Jason Heath — Founder and Managing Director of Objective Financial Partners, one of Canada's largest advice-only financial planning firms. A Certified Financial Planner with more than …
Notes de l’épisode
Our guest this episode is Jason Heath — Founder and Managing Director of Objective Financial Partners, one of Canada's largest advice-only financial planning firms. A Certified Financial Planner with more than 20 years in practice, Jason is a longtime personal finance columnist for the Financial Post and MoneySense and one of the country's most consistent voices for conflict-free financial advice. He last joined us on Episode #27 for Financial Planning 101, and this time the conversation looks ahead.
In this episode, Dave and Jason dive into where financial planning is headed. They explore the role of technology in democratizing planning, from financial planning software to the future of AI in financial advice, including a look at The Wealthy Barber's own AI planning tool. Along the way, Jason shares how often a plan should be updated, why implementation matters as much as the plan itself, how tax optimization gets trickier with corporate assets and why even financial professionals need advice. They close with the chronic gap in life and disability insurance and the secret behind Jason's famously calm demeanour.
Whether you're weighing the cost of an advice-only plan, curious how AI will change the way Canadians get financial guidance or simply want to make sure your retirement projections are realistic, this episode is full of clear, practical insights.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Jason Heath
(02:49) Projected Rates of Return in Financial Planning
(05:06) Are Retirees Taking on More Investment Risk?
(06:10) The Danger of Forgetting Prolonged Market Downturns
(07:24) The Rarity of Average Stock Market Returns
(08:49) The Advice-Only Financial Industry
(11:07) Conflicts of Interest and Biases in Wealth Management
(13:50) The Evolution of Financial Planning
(15:30) Democratizing Financial Planning with Technology
(17:11) The True Cost and Value of an Advice-Only Financial Plan
(18:18) How Often Should You Update Your Financial Plan?
(21:00) Implementation and Financial Planning Through Conversation
(22:57) Why You Need a Solid Plan Before Retirement
(24:59) The Future of AI in Financial Advice
(29:17) Conquest Financial Planning Software
(32:06) Navigating Tax Optimization and Corporate Assets
(33:32) Even Financial Professionals Need Advice
(35:18) The Challenge of Asking AI the Right Financial Questions
(37:58) The Wealthy Barber's AI Tool for Financial Planning
(40:15) The Chronic Gap in Life and Disability Insurance
(43:18) Jason's Calm Demeanour
(45:45) Conclusion
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#72 — Leanne Kauman (Returns): Trust & Estate Planning Advice
Our guest this episode is Leanne Kaufman — President and CEO of RBC Royal Trust and one of Canada's leading voices on trust and estate planning. A lawyer by training, Leanne joined RBC Royal Trust in 1999 and …
Notes de l’épisode
Our guest this episode is Leanne Kaufman — President and CEO of RBC Royal Trust and one of Canada's leading voices on trust and estate planning. A lawyer by training, Leanne joined RBC Royal Trust in 1999 and has spent more than two decades helping Canadian families protect and transfer their wealth. She returns to the show after first joining us back in episode #32.
In this episode, Dave and Leanne dive into the estate planning issues that trip up Canadian families most often. They break down what probate actually is, and the risks of using joint accounts and gifting to avoid it. Leanne also explains how regular-income Canadians can use trusts, covering formal vs. informal trusts, multi-generational planning, the tax disadvantages, the 21-year rule and the legal duties that come with being a trustee.
The conversation also explores the practical side of getting your affairs in order, from what to do before naming someone as your executor to thinking through your beneficiary designations and building a "When I Die" binder. Along the way, Leanne shares her perspective on why you should talk to your beneficiaries while you still can, how to choose the right power of attorney for personal care and property, and the risks of naming co-powers of attorney.
Whether you're drafting your first will, updating an existing plan or have been named as someone's executor or power of attorney, this episode is full of clear, practical guidance to help you and your family avoid costly mistakes.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Leanne Kaufman
(03:16) What Is Probate?
(06:06) Dave's Policy Idea for Probate Fees
(07:26) The Risks of Joint Accounts
(08:47) Supreme Court Rulings on Joint Accounts
(10:24) Gifting to Avoid Probate
(11:34) Why Do Inherited Cottages Cause So Much Family Friction?
(15:27) Capital Gains Tax on Family Cottages
(17:57) How Regular-Income Canadians Can Use Trusts
(22:36) Multi-Generational Planning with Trusts
(23:49) The Difference Between Formal and Informal Trusts
(25:10) The Tax Disadvantages of Trusts
(28:47) The Legal Obligations and Fiduciary Duties of a Trustee
(31:14) How Much Do Corporate Trustees Charge?
(32:41) The 21-Year Rule for Trusts
(34:21) What to Do Before Naming Someone as Your Executor
(36:23) Naming a Lawyer as Executor Is a Personal Appointment
(37:38) Think Through Your Beneficiary Designations
(39:27) The Importance of a "When I Die" Binder and What to Put In It
(43:50) Why You Should Talk to Your Beneficiaries Before You Die
(44:46) Hiring a Corporate Executor or Agency Service
(49:16) Choosing the Right Power of Attorney for Personal Care and Property
(53:18) The Risks of Naming Co-Powers of Attorney
(54:25) Conclusion
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#71 — Jonathan Chevreau: Lessons from Decades as a Personal Finance Author & Journalist
Our guest this episode is Jonathan Chevreau — veteran personal finance journalist, author and founder of the Financial Independence Hub. Jonathan spent nearly two decades as the National Post's personal finance …
Notes de l’épisode
Our guest this episode is Jonathan Chevreau — veteran personal finance journalist, author and founder of the Financial Independence Hub. Jonathan spent nearly two decades as the National Post's personal finance columnist, served as Editor-in-Chief of MoneySense and still writes the magazine's Retired Money column.
In this episode, Dave and Jonathan dive into the lessons of a career spent covering Canadian money, from Jonathan's early years sounding the alarm on mutual fund fees to the discipline of filing a story a day for a national newspaper. They explore why Jonathan sees a paid-off house as the foundation of financial independence, what the "12 good years" of retirement are, and what it looks like to keep working on your own terms well past the traditional finish line.
Whether you're planning your own path to financial independence or already living it, this episode offers a hard-won perspective from one of the most experienced voices in Canadian personal finance.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Jonathan Chevreau
(02:25) Jonathan Was Early to Criticize High-Cost Mutual Funds
(04:32) Jonathan's Semi-Retirement
(06:32) Handling the Pressure of Daily Writing Deadlines
(08:53) The 12 Best Years of Retirement & Travelling
(12:25) Exploring the Annuity Puzzle
(16:28) Home Affordability Challenges, FHSAs and the Bank of Mom and Dad
(20:39) Debating Downsizing Versus Aging in Place
(23:02) The Growing Strain on the Long-Term Care System
(24:55) Staying Active in Retirement
(27:04) Perspectives on Artificial Intelligence and the Job Market
(29:25) Sector ETFs vs. Index Funds
(30:48) Avoiding Crypto and NFT Investment Hype
(32:21) Long-Term Optimism for Canada's Economy
(33:28) Retaining Innovative Tech Talent and Funding in Canada
(35:03) Highlighting Outstanding Canadian Financial Educators
(37:47) Conclusion
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#70 — Chad Wiebe: Retirement Planning 101
Our guest this episode is Chad Wiebe — Certified Financial Planner and Founder of Pathway Wealth, a virtual, advice-only financial planning firm based in Winnipeg serving clients across Canada. In this episode …
Notes de l’épisode
Our guest this episode is Chad Wiebe — Certified Financial Planner and Founder of Pathway Wealth, a virtual, advice-only financial planning firm based in Winnipeg serving clients across Canada.
In this episode, Dave and Chad take a deep dive into the fundamentals of retirement planning. They explore why so many retirees struggle to give themselves permission to spend, how to build a financial plan that accounts for spending shocks, and the massive potential costs of long-term care. Chad also breaks down the hidden benefits of downsizing your home, the factors to weigh when deciding how many more years to work, and the delicate task of telling a client they can't retire just yet.
The conversation also covers plenty of nuts-and-bolts strategy, including strategic RRIF withdrawals to smooth out your average tax rate, why the RRSP is still an outstanding vehicle for most people, whether everyone should delay CPP, and the tax disadvantages facing single seniors. Along the way, Chad shares his perspective on giving early inheritances to children, the assets you should consider selling before retiring, and the complexities of retiring with a corporate account.
Whether retirement is decades away or right around the corner, this episode is full of practical guidance to help you plan with confidence.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Chad Wiebe
(02:44) Why Chad Left K4 Financial to Start His Own Firm
(04:43) Scaling an Advice-Only Financial Planning Business
(06:06) The Value of Advice-Only Financial Planning
(07:16) Specializing in Deaccumulation and Retirement Planning
(10:00) Common Pre-Retirement Mistake: No TFSA
(12:05) The Permission Problem in Retirement
(14:15) Creating a Financial Plan with Spending Shocks
(19:22) Planning for the Massive Costs of Long-Term Care
(22:29) The Hidden Benefits of Downsizing Your Home in Retirement
(25:50) The Factors When Deciding How Many More Years to Work Before Retirement
(29:51) How to Tell a Client They Cannot Retire Yet
(31:49) The Risks and Rewards of Giving Early Inheritances to Children
(34:35) Strategic RRIF Withdrawals to Smooth Out Your Average Tax Rate
(39:09) Why the RRSP is Still an Outstanding Vehicle for Most People
(40:53) The Tax Disadvantages for Single Seniors
(43:24) Should Everyone Delay CPP?
(48:41) Assets You Should Sell Before Retiring
(50:32) The Complexities of Retiring with a Corporate Account
(53:10) Growing a YouTube Channel
(54:21) Conclusion
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#69 — Mike Lipkin: How to Find Purpose in Life and Retirement
Our guest this episode is Mike Lipkin — motivational speaker, executive coach and founder of Environics/Lipkin, a Toronto-based research and motivation company. Mike has spoken to more than a million people …
Notes de l’épisode
Our guest this episode is Mike Lipkin — motivational speaker, executive coach and founder of Environics/Lipkin, a Toronto-based research and motivation company. Mike has spoken to more than a million people across 43 countries, authored 18 books on leadership and high performance, and has built his career around helping people play at their best.
In this episode, Dave and Mike dive into what it takes to build a life of purpose in retirement, starting with the sobering statistics linking retirement and depression and why so many men in particular struggle once they stop working. They cover the habits that keep you energetic and fit as you age, including six daily practices that can extend your life span, the case for mini home workouts and the neuroscience behind why personal growth matters more than ever in your later years.
The conversation also gets personal. Mike opens up about his own battle with severe depression and how he rebuilt his life, shares inspiring stories of lifelong learning and choosing impact over comfort, and warns about the atrophy that can set in early in retirement if you don't stay involved. He also reflects on balancing travel and independence in marriage, his spectacular success investing in tech stocks, lessons from 44 years of marriage and a preview of his upcoming book.
Whether you're approaching retirement, already there or simply want to age with more energy and purpose, this episode is full of practical wisdom you can put to work right away.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Mike Lipkin
(04:08) Retirement and Depression Statistics
(07:45) Staying High Energy and Fit as You Age
(09:39) Six Daily Habits to Extend Your Life Span
(12:08) The Benefits of Mini Home Workouts
(14:09) Mike's Story About Overcoming Depression and Rebuilding
(17:03) Why Men Struggle with Purpose in Retirement
(18:59) The Neuroscience of the Importance of Personal Growth in Retirement
(21:23) Staying in Shape as You Age
(23:29) Inspiring Stories of Lifelong Learning
(26:17) Impact Over Comfort
(28:06) The Danger of Atrophy in Early Retirement if You Don't Stay Involved
(31:44) Balancing Travel and Independence in Marriage
(33:53) Mike's Spectacular Success Investing in Tech Stocks
(39:51) Lessons From 44 Years of Marriage
(42:35) Mike's Upcoming Book
(45:21) Conclusion
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#68 — Brian Portnoy: A Behavioural Finance Expert on How to Shape a Life of Money and Meaning
Our guest this episode is Brian Portnoy — behavioural finance expert, founder and CEO of Shaping Wealth and author of "The Geometry of Wealth" and "The Investor's Paradox." Brian holds a PhD from the University …
Notes de l’épisode
Our guest this episode is Brian Portnoy — behavioural finance expert, founder and CEO of Shaping Wealth and author of "The Geometry of Wealth" and "The Investor's Paradox." Brian holds a PhD from the University of Chicago, is a CFA charterholder and spent more than two decades in the financial industry. His mission is helping people use their money to underwrite a meaningful life.
In this episode, Dave and Brian dive into behavioural finance and the fast-changing world of financial advice. They explore the challenges of building an AI coach that's genuinely helpful, the lessons Brian took from Morningstar and the hedge fund industry, and why "simplicity on the far side of complexity" is worth striving for. They also break down the investor's paradox, choice overload and how thoughtful choice architecture can combat decision fatigue.
The conversation also traces the 50-year arc of financial advice, from product-pushing to planning to the human side of money, and why good financial planning can sometimes feel like marriage counselling. Along the way, Brian shares the difference between being rich and being wealthy, the impact of his "funded contentment" concept and his perspective on growth, hope and defining "enough."
Whether you're an investor, an advisor or simply someone trying to figure out what money is actually for, this episode is packed with thoughtful insights you won't want to miss.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Brian Portnoy
(03:52) Shaping Wealth and the Lydia AI Innovation
(06:43) The Challenges of Building an AI Coach
(08:50) Partnering with Conquest Planning Software
(13:15) Lessons from Morningstar and the Hedge Fund Industry
(15:53) Simplicity on the Far Side of Complexity
(20:33) The Investor's Paradox and Choice Overload
(24:04) Decision Fatigue & Choice Architecture
(29:03) The 50-Year Arc of Financial Advice
(33:25) Financial Planning Can Be Like Marriage Counselling
(35:35) The Difference Between Being Rich and Being Wealthy
(40:53) The Impact of the Funded Contentment Concept
(42:03) Growth, Hope, and Defining Enough
(44:08) Conclusion
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#67 — Alexandra Macqueen: How Retirement Planning Has Changed Over the Years
Our guest this episode is Alexandra Macqueen — CFP professional, Vice President of Learning, Development and Professional Practice at FP Canada and one of Canada's leading voices on retirement income planning …
Notes de l’épisode
Our guest this episode is Alexandra Macqueen — CFP professional, Vice President of Learning, Development and Professional Practice at FP Canada and one of Canada's leading voices on retirement income planning. Alexandra has been a practicing financial planner since 2005, taught personal finance at York University's Schulich School of Business and co-authored the bestselling book "Pensionize Your Nest Egg."
In this episode, Dave and Alexandra dive into how retirement planning has changed over the years, from the way rising longevity has reshaped Canadians' awareness of retirement risks to the assumptions that underpin every retirement plan. They cover why financial planning has become harder, when professional advice can pay off for retirees, and the roles FP Canada and the QAFP designation play in raising the standard of advice. Alexandra also breaks down the factors to weigh when deciding whether to commute a defined benefit pension and makes the case for annuities as a retirement planning tool.
The conversation also explores reverse mortgages and how they compare to HELOCs, the "Die With Zero" legacy approach, lessons from "The Millionaire Next Door" and why the timing of CPP and OAS is different for everyone.
Whether you're nearing retirement or simply want to understand the decisions that will shape it, this episode is packed with practical insights from one of Canada's most respected retirement planning experts.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Alexandra Macqueen
(03:07) Why Alexandra Specialized in Retirement Income Planning
(04:32) Why Longevity Has Changed the Awareness of Retirement Planning
(06:56) Assumptions in Retirement Planning
(10:14) Financial Planning Has Become Harder
(12:55) Why Professional Financial Advice Can Pay Off for Retirees
(13:51) What Is FP Canada?
(15:23) What Is the QAFP Designation?
(17:45) The Factors When Deciding to Commute a Defined Benefit Pension or Not
(22:15) Annuities as a Retirement Planning Tool
(25:13) Are Reverse Mortgages an Underappreciated Financial Tool?
(26:30) Reverse Mortgages vs. HELOCs: Which Makes More Sense?
(28:08) Evaluating the Die With Zero Legacy Approach
(29:17) Lessons from "The Millionaire Next Door"
(32:01) It's Harder to Navigate Financial Planning Today
(36:17) The Value of an Outside Voice in Financial Planning for Spouses
(37:54) The Role of Active vs. Passive Investing Strategies
(39:23) When to Take CPP and OAS Is Different for Everyone
(41:20) The Increasing Costs of Assisted Living
(42:44) Teaching Financial Planners the Psychological Aspects of Working with Clients
(45:18) The Reality of Family Adjustments After Retirement
(46:03) The Improvement of the Financial Advice Industry
(47:54) Conclusion
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#66 — Brenda Hiscock: A Remarkable Story About Overcoming Hardships and Finding Fulfillment as a Financial Planner
Our guest this episode is Brenda Hiscock, a CFP with Objective Financial Partners, one of Canada's leading advice-only planning firms. Brenda's route to financial planning was anything but easy. She lost her …
Notes de l’épisode
Our guest this episode is Brenda Hiscock, a CFP with Objective Financial Partners, one of Canada's leading advice-only planning firms. Brenda's route to financial planning was anything but easy. She lost her mother as a teenager, faced homelessness, battled addiction and overcame a cancer diagnosis, all while building a decades-long career in Canadian financial services. Today, she draws on those experiences to help clients navigate both the numbers and the emotions of money.
In this episode, Dave and Brenda dive into her remarkable life story: the childhood hardship and early family loss that shaped her, and the turning point that came through therapy, mentorship and self-forgiveness.
The conversation also explores a wide range of retirement topics, including practical tips for people who start their financial planning later in life, retiring abroad, planning for the potential costs of long-term care and the psychology of actually spending your savings later in life. Brenda shares her thinking on protecting parents' retirements before making gifts to their kids, using trusts to protect generational wealth, RRSP meltdowns, delaying CPP and OAS, and facing retirement with a mortgage.
This episode is packed with practical insights and an inspiring story you won't want to miss.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Brenda Hiscock
(02:09) Brenda's Childhood Hardship and Early Family Loss
(05:41) The Trauma of Eviction and Developing an Addiction
(07:31) The Turning Point: Therapy, Mentorship and Self-Forgiveness
(10:54) Overcoming a Cancer Diagnosis and Rebuilding Confidence
(11:54) Tips if You Start Financial Planning Later in Life
(14:10) How Brenda's Life Experiences Have Informed Her Views on Insurance
(16:00) Retiring Abroad
(18:29) Managing Client Fears About the Stock Market
(20:54) Planning for the Looming Potential Costs of Long-Term Care
(22:40) The Psychology of Spending Your Savings Later in Life
(25:08) Protecting Parents' Retirement Before Making Gifts to Their Kids
(27:39) Using Trusts to Protect Generational Wealth
(28:29) RRSP Meltdowns and Delaying CPP/OAS
(30:04) Who Seeks Advice-Only Financial Planning?
(31:01) The Impact of "Millionaire Teacher"
(32:00) Raising the Standards in the Canadian Financial Planning Industry
(35:00) Facing Retirement with a Mortgage
(37:23) Embracing Your Authentic Life Story
(39:50) Conclusion
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#65 — Michael J. Wiener: Answers to the Money Questions That Matter
Our guest this episode is Michael J. Wiener — retired cryptologist and the writer behind the long-running Canadian personal finance blog "Michael James on Money." After a high-tech career in cryptography that …
Notes de l’épisode
Our guest this episode is Michael J. Wiener — retired cryptologist and the writer behind the long-running Canadian personal finance blog "Michael James on Money." After a high-tech career in cryptography that produced roughly 20 patents, Michael has spent nearly two decades applying an engineer's rigour to investing and retirement math, helping everyday Canadians make clearer, lower-fee, evidence-based decisions with their money.
In this episode, Dave and Michael dive into the real cost of investment fees, from high-fee group RRSPs to how seemingly small percentages quietly erode a portfolio over decades. They cover the evidence for passive investing over active management, how to optimize RESP contributions, strategies for smoothing taxes on retirement income and whether it makes sense to delay taking CPP and OAS.
The conversation also explores how Michael uses the CAPE ratio to adjust his asset allocation, planning ahead for cognitive decline, the debt paydown vs. investing question and why he's skeptical of Dalbar's famous mutual fund underperformance data. Along the way, Michael shares his takes on real estate investing, reverse mortgages, budgeting for healthcare and long-term care costs, and estate planning essentials.
If you want clear, math-driven thinking on investing and retirement from someone with no product to sell, this episode is packed with insights you won't want to miss.
Show Notes
(00:00) Intro & Disclaimer
(00:57) Intro to Michael J. Wiener
(03:09) The Impact of High Fees in Group RRSPs
(05:23) The Big Impact of Seemingly Small Investment Fees
(07:09) Active Management vs. Passive Investing
(08:46) Optimizing RESP Contributions: Lump Sum vs. Ongoing
(12:02) Smooth Taxation Strategies for Retirement Income Planning
(14:49) Should You Delay Taking OAS and CPP?
(17:02) How Michael Uses the CAPE Ratio to Adjust His Asset Allocation
(20:40) Addressing Cognitive Decline and Managing Your Investments
(22:25) Balancing Debt Paydown vs. Investing
(24:21) RRSP vs. TFSA Debate
(25:55) Is a 100% Equity Portfolio Right for Young Investors?
(27:19) Evaluating Dalbar's Mutual Fund Underperformance Data
(30:34) The Realities and Hassles of Real Estate Investing
(33:28) The Hidden Risks and Rules of Reverse Mortgages
(35:01) Common Financial Mistakes Savers Make in Retirement
(36:38) Budgeting for Healthcare and Long-Term Care Costs
(39:47) Cash Value Insurance vs. Term Insurance for Canadians
(41:24) Essential Estate Planning and Power of Attorney Tips
(42:15) The Importance of Decluttering for the Next Generation
(44:07) Engineering, Cryptography, and Quantum Computing Threats
(45:01) The Story Behind Michael's Pseudonym
(45:49) Finding an Initial Audience and Blogging Success
(46:34) Conclusion
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#64 — Hanif Bayat: Macroeconomics and Entrepreneurship in Canada
Our guest this episode is Hanif Bayat — founder and CEO of WOWA.ca, one of Canada's largest personal finance platforms. A former quantitative analyst at BMO and RBC with a Ph.D. in theoretical chemical physics …
Notes de l’épisode
Our guest this episode is Hanif Bayat — founder and CEO of WOWA.ca, one of Canada's largest personal finance platforms. A former quantitative analyst at BMO and RBC with a Ph.D. in theoretical chemical physics from the University of Toronto, Hanif left banking in 2018 to build WOWA into a resource of over 1,000 calculators, guides and market reports now used by millions of Canadians every year.
In this episode, Dave and Hanif dive into the state of the Canadian economy, starting with the story behind WOWA and how it grew into a platform reaching millions of page views. They explore the drivers of Canada's housing affordability crisis, why asset prices have climbed so far beyond the Consumer Price Index, and how loose monetary policy has reshaped what Canadians can actually afford.
Along the way, Hanif shares his perspective on policy solutions for Canada's real estate market, the looming US debt, the lack of financial knowledge among consumers, and where the mortgage industry stands today.
Whether you're trying to make sense of Canada's housing market or curious about the bigger economic forces shaping your finances, this episode is packed with sharp analysis and practical perspective you won't want to miss.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Hanif Bayat
(06:44) What is the WOWA Platform?
(07:35) Reaching One Million Page Views
(09:16) The Origin of WOWA
(11:37) How AI Could Threaten Content Businesses
(15:09) Drivers of Canada's Housing Affordability Crisis
(18:44) Asset Prices vs. the Consumer Price Index (CPI)
(21:51) Competitive Realities of the Modern Job Market
(23:20) The K-Shaped Economy and the Impact of Asset Prices on Entrepreneurship
(25:55) Policy Solutions for Canada's Real Estate Market
(29:34) The Looming US Debt
(32:07) Addressing the Lack of Financial Knowledge Among Consumers
(35:05) Mortgage Industry Dynamics Today
(36:49) Conclusion
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#63 — Sandi Martin: Financial Lessons from One of Canada’s First Advice-Only Planners
Our guest this episode is Sandi Martin — one of Canada's first advice-only financial planners and a Certified Financial Planner who left retail banking to build a practice built around her values. Sandi …
Notes de l’épisode
Our guest this episode is Sandi Martin — one of Canada's first advice-only financial planners and a Certified Financial Planner who left retail banking to build a practice built around her values. Sandi co-founded the Financial Planning Association of Canada, co-hosted the Because Money podcast and has spent over a decade championing a simple idea: helping everyday Canadians figure out what "enough" really looks like.
In this episode, Dave and Sandi dive into the advice-only model and why she walked away from the bank to build it. They unpack the CBC Marketplace exposé on the Canadian banking industry, the aggressive marketing of lines of credit and what really happens behind the sales culture most Canadians never see. Sandi also explains her transition into the advice-only space, the early strategies she used to find clients and why she has chosen to run a solo operation rather than scale.
The conversation also explores the everyday planning questions that trip people up, from the emergency fund debate (cash savings versus lines of credit) to the RRSP versus TFSA decision and why accounts are best understood as tools rather than goals. Sandi shares her perspective on the financial nuances of divorce and partnerships, the essential role planners play in building retirement income, the often-overlooked costs of late-life healthcare and assisted living, and why high-fee mutual funds still dominate in Canada.
Whether you're rethinking who you take financial advice from or simply want a clearer, no-nonsense view of how planning actually works, this episode is packed with practical takeaways you can implement right away.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Sandi Martin
(03:24) The CBC Marketplace Exposé on the Canadian Banking Industry
(09:52) The Problem with Aggressive Marketing of Lines of Credit
(12:00) Sandi's Transition into the Canadian Advice-Only Space
(14:25) Early Marketing Strategies for Getting Advice-Only Clients
(17:37) Why Sandi Runs a Solo Operation
(19:49) Financial Planning Nuances in Divorce and Partnerships
(24:08) Maintaining Autonomy and Control Over Your Work Schedule
(25:55) Emergency Funds Debate: Cash Savings vs. Lines of Credit
(29:14) The RRSP vs. TFSA Debate and Viewing Accounts as Tools
(34:05) The Essential Role of Planners in Retirement Income Strategies
(38:45) Factoring Late-Life Healthcare and Assisted Living Costs into Your Financial Plan
(42:40) The Dominance of High-Fee Mutual Funds in Canada
(47:08) The Benefits of Talking Openly About Money
(49:37) Conclusion
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#62 — Ben Rabidoux (Returns): Canada’s Real Estate Outlook in 2026
Our guest this episode is Ben Rabidoux — founder of North Cove Advisors and Edge Realty Analytics, and one of Canada's most closely followed housing and macroeconomic analysts. Ben's data-first research is …
Notes de l’épisode
Our guest this episode is Ben Rabidoux — founder of North Cove Advisors and Edge Realty Analytics, and one of Canada's most closely followed housing and macroeconomic analysts. Ben's data-first research is relied on by institutional investors and real estate professionals across the country, and he returns to the show to break down where Canada's real estate market is headed in 2026.
In this episode, Dave and Ben dive into the state of the Canadian economy and what it means for housing. They unpack the disconnect between strong bank earnings and a weakening economy, the rising power of sales, and what corporate results from companies like Tim Hortons and Pizza Pizza reveal about the health of the consumer. Ben also explains why new rents may be poised for a trend reversal and what the latest data signals for the months ahead.
The conversation also explores the pressures facing real estate agents, whether a coming wave of baby boomer property sales could suppress prices, and early signs of life in the GTA condo market. Ben also weighs in on government tax changes and development fees, blanket appraisals in the condo market, and what next year's mortgage renewal environment could look like.
Whether you're a homeowner, an investor or simply trying to make sense of where Canadian real estate is heading, this episode is packed with data-driven insights you won't want to miss.
Ben’s Real Estate and Mortgage Intelligence Reports: http://www.edgeanalytics.ca/
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Ben Rabidoux
(02:36) Explaining the Disconnect Between Bank Earnings and the Economy
(04:11) What is Driving the Increasing Power of Sales?
(06:34) Reconciling Weak Economic Data with Packed Restaurants
(10:22) What Tim Hortons' and Pizza Pizza's Earnings Tell You About the Economy
(11:13) Predicting the Trend Reversal in New Rents
(17:17) How Having Fewer International Students is Affecting Certain Markets
(19:55) Alternative Ways to Measure Population Growth
(22:09) Temporary Foreign Workers Program
(23:59) North Cove Advisors and Edge Analytics
(27:42) Real Estate Agents are Facing Pressures
(30:11) Where Are Canadian Housing Prices Headed?
(34:47) Will the Future Wave of Baby Boomer Property Sales Suppress Housing Prices?
(38:00) GTA Condo Market Showing Signs of Life
(38:54) Evaluating Government Tax Changes & Development Fees
(41:34) Blanket Appraisals in the Condo Market
(47:36) Forecasting Next Year's Mortgage Renewal Environment
(50:17) Conclusion
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#61 — Andrea Thompson: The Growth of Advice-Only Planning & Cross-Border Tips
Our guest this episode is Andrea Thompson — Founder and lead financial planner of Modern Cents, a virtual, advice-only firm she launched in 2022 after more than 16 years in the financial industry. A CFP who …
Notes de l’épisode
Our guest this episode is Andrea Thompson — Founder and lead financial planner of Modern Cents, a virtual, advice-only firm she launched in 2022 after more than 16 years in the financial industry. A CFP who also writes and marks the national CFP exam for FP Canada, Andrea built her practice to serve Canadians who have cash flow instead of assets, making quality financial advice accessible to younger people and those below traditional asset minimums.
In this episode, Dave and Andrea dive into the rise of advice-only financial planning in Canada. They explore why she walked away from the traditional model to build Modern Cents, the factors fueling the model's growth, how advice-only planners find clients and where the pricing sweet spot lands. They also break down one of the model's biggest hurdles, the implementation gap between receiving a plan and actually executing it, along with the question of whether financial planners and investment advisors should stay in their respective lanes.
The conversation also explores Andrea's specialty in cross-border financial planning, including the common mistakes Canadian residents make with their US 401(k) accounts. They discuss the overlooked psychological and financial value of annuities and why so many people resist them, how young adults should balance saving for a down payment against retirement, and the case for term insurance over permanent cash value policies.
Whether you're curious about the advice-only model, weighing the value of professional financial advice or navigating the complexities of cross-border planning, this episode is full of practical takeaways you can put to use right away.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Andrea Thompson
(02:43) Why Andrea Started Her Advice-Only Firm
(06:43) Factors Fueling the Growth of Advice-Only Planning in Canada
(07:55) Lead Generation for Advice-Only Planners
(09:25) How CFP Education Has Improved Over the Years
(11:55) Community and Collaboration Within Canada's Financial Planning Industry
(13:55) Overcoming the Implementation Challenge in Advice-Only Financial Planning
(21:23) Navigating Investment Execution for Advice-Only Clients
(23:47) Should Investment Advisors and Financial Planners Stay in Their Respective Lanes?
(28:03) Should You DIY Your Retirement Plan?
(29:52) What's the Pricing Sweet Spot for Advice-Only Planners?
(32:27) Cross-Border Financial Planning Challenges
(35:35) Common Mistakes with US 401(k) Accounts for Canadian Residents
(36:53) The Psychological and Financial Value of Annuities
(40:41) Why Don't People Like Annuities?
(43:34) Balancing Down Payments and Retirement Savings for Young Adults
(47:43) Childhood Money Lessons from an Actuary Father
(48:29) Term Insurance vs. Permanent Cash Value Insurance
(50:07) The Critical Importance of Disability Insurance
(51:29) Conclusion
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#60 — Adam Bornn (Returns): Retirement Planning Tips & Common Mistakes to Avoid
Our guest this episode is Adam Bornn — founder of Parallel Wealth Financial Group and the creator of the Parallel Wealth YouTube channel, one of Canada's largest channels devoted to retirement planning. Adam …
Notes de l’épisode
Our guest this episode is Adam Bornn — founder of Parallel Wealth Financial Group and the creator of the Parallel Wealth YouTube channel, one of Canada's largest channels devoted to retirement planning. Adam returns to the show to focus on a single, high-stakes subject: how Canadians can build a retirement plan that actually works, and the common mistakes that quietly derail one.
In this episode, Dave and Adam dive into the realities of the retirement transition, from the most common mistakes people make to how to balance spending early with the cost of care later in life. They break down the "go-go, slow-go and no-go" years, why health and finding joy matter as much as the numbers, and when the ideal time to start planning really is. Adam also explains when it makes sense to convert an RRSP to a RRIF and how a TFSA can act as a flexible lever account inside a broader plan.
The conversation also explores the issues that complicate real-world retirement, including the squeeze on the sandwich generation, why more retirees are helping their adult kids financially, and how to plan around large age gaps or being single. Adam digs into some of the costliest missteps too, from taking CPP early when you don't need to, to letting registered accounts grow tax-deferred for too long and running into the OAS clawback. Along the way, they cover tax planning when liquidating cottages and rental properties, the limited role of reverse mortgages and HELOCs, and how to think about high market valuations and cash wedges in retirement.
Whether you're years away from retirement or already making the transition, this episode is packed with practical, tax-smart insights to help you avoid the mistakes that cost retirees the most.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Adam Bornn
(01:30) Common Retirement Transition Mistakes
(03:22) Balancing Early Spending & Late-Life Care
(05:25) Go-Go, Slow-Go & No-Go Years
(07:37) Finding Joy and the Importance of Health in Retirement
(10:56) Adam's YouTube Channel and Focus on Retirement Planning
(13:35) When Is the Ideal Time to Start Retirement Planning?
(15:40) When to Convert an RRSP to a RRIF
(17:35) The Power and Flexibility of a TFSA Lever Account
(19:23) Factoring in Lump-Sum Obligations to Your Retirement Plan
(21:36) Careless Tax Mistakes Can Cost You Huge Money
(23:18) The Sandwich Generation
(25:00) Why Some Retirees Are Helping Their Kids Financially
(28:14) Navigating Retirement Planning with Large Age Gaps
(30:07) The Disadvantages of Retirement Planning for Single People
(31:57) The Biggest Retirement Mistake: Taking CPP Early if You Don't Need To
(34:16) Avoid the Trap of Growing Registered Accounts Tax-Deferred For Too Long
(36:18) Optimizing to Avoid the OAS Clawback
(37:55) Tax Planning When Liquidating Cottages and Rental Properties
(40:53) The Limited Use of Reverse Mortgages and HELOCs
(41:40) High Market Valuations, Equities & Cash Wedges in Retirement
(44:38) Conclusion
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#59 — Benjamin Tal: The State of Canada’s Economy and Housing Market in 2026
Our guest this episode is Benjamin Tal — Managing Director and Deputy Chief Economist at CIBC Capital Markets. Benjamin has spent over two decades publishing CIBC's influential "In Focus" research, has been …
Notes de l’épisode
Our guest this episode is Benjamin Tal — Managing Director and Deputy Chief Economist at CIBC Capital Markets. Benjamin has spent over two decades publishing CIBC's influential "In Focus" research, has been recognized by the International Monetary Fund as a leading expert on Canada's real estate market and has testified before Parliamentary committees on the country's most pressing economic issues.
In this episode, Dave and Benjamin dive into the state of Canada's economy heading into 2026. They break down what's gone wrong with Canada's real estate market, evaluate recent central bank decisions and unpack the impact of HST/GST relief and development charges on housing supply. Benjamin also explains the structural shift toward a rental culture in Canada and why rent control has been so disastrous for affordability.
The conversation also explores the widening productivity gap between Canada and the U.S. in the AI era and the possibility of universal income guarantees on the horizon. Along the way, Benjamin shares his perspective on monopolies and limited competition in Canadian industry, the overwhelming red tape facing small businesses, the real effects of immigration on the market and why CPI calculations may be understating the true cost of living.
Whether you're a homeowner, an investor or simply trying to make sense of where Canada's economy is heading, this episode is packed with sharp, data-driven insights from one of the country's most trusted economists.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Benjamin Tal
(02:32) Why It's Important to Connect Macroeconomics to Personal Finance
(03:15) Understanding Canada's Broken Real Estate Market
(07:23) Evaluating Central Bank Decisions and Interest Rates
(08:05) Impact of HST/GST Relief and Development Charges
(09:48) A Shift Toward a Rental Culture in Canada
(11:38) The Disastrous Impact of Rent Control
(13:22) How the Condo Market and Developer Landscape Is Changing
(16:18) Canada Versus U.S.A. Productivity & The AI Revolution
(20:56) Are We Headed Towards Universal Income Guarantees?
(21:45) Monopolies and Limited Competition in Canadian Industry
(22:23) Overwhelming Regulations and Red Tape for Small Businesses
(24:25) The Current Immigration Situation and its Market Effects
(25:52) Inaccuracies in CPI Calculations and the Real Cost of Living
(26:29) Conclusion
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#58 — Robb Engen (Returns): Retirement Advice for Regular Canadians
Our guest this episode is Robb Engen — a Qualified Associate Financial Planner (QAFP), advice-only financial planner and the longtime voice behind Boomer & Echo, one of Canada's most-read personal finance …
Notes de l’épisode
Our guest this episode is Robb Engen — a Qualified Associate Financial Planner (QAFP), advice-only financial planner and the longtime voice behind Boomer & Echo, one of Canada's most-read personal finance blogs. Robb returns to the show to share what he's learned helping regular Canadians plan, save and spend through retirement with confidence.
In this episode, Dave and Robb take a deep dive into one of the biggest paradoxes in retirement planning: why so many Canadians who have done everything right are still afraid to spend their savings. They break down the "golden tax planning windows" in your sixties, the trade-offs between RRSP and TFSA withdrawals and why DIY retirement income planning is much harder than the accumulation years that came before it. Robb also explains how to budget for lumpy, one-time retirement expenses and why the current RRIF minimum withdrawal rules deserve a rethink, especially for single retirees.
Whether you're approaching retirement, already there or just trying to think more clearly about decumulation, this episode is packed with practical, no-nonsense insights from one of Canada's most trusted personal finance voices.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Robb Engen
(03:15) The Longevity of Robb's Blog Boomer & Echo
(05:56) Why Robb Focuses on "Regular Canadians"
(09:12) The QAFP Designation
(11:19) RRSP vs. TFSA: Retirement Tax Brackets & Delaying CPP
(14:21) The Ideal Age to Start Retirement Planning
(15:31) Why It's Hard to DIY Retirement Income Planning
(17:28) Golden Tax Planning Windows in Your Sixties
(19:17) Budgeting for Lumpy and One-Time Retirement Expenses
(20:30) Rethinking RRIF Minimum Withdrawal Rules for Singles
(23:22) Many Retirees Are Hesitant to Spend
(25:13) How to Get Retirees to Safely Spend More
(27:56) Countering Retirees' Fears of Overspending
(29:25) Unlocking the Tax-Free Compounding Power of TFSAs
(32:05) Is It Wise to Plan Around Worst-Case Monte Carlo Simulations?
(33:55) Robb's Advice-Only Model
(37:36) Will the AUM Model Come Under Pressure?
(39:44) The Value of Advisory Continuity and Turnover Realities
(41:15) Robb's Worries: Navigating Media Anxiety and Alternative Investments
(43:51) Dave's Thoughts on Alternative Investments
(46:05) "One More Year" Syndrome
(48:00) Employer RRSP Matches
(49:50) Conclusion
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#57 — Daniel Crosby: How to Overcome Your Financial Biases
Our guest this episode is Dr. Daniel Crosby — psychologist, behavioral finance expert and Chief Behavioral Officer at Orion Advisor Solutions. Daniel is the bestselling author of several books on the psychology …
Notes de l’épisode
Our guest this episode is Dr. Daniel Crosby — psychologist, behavioral finance expert and Chief Behavioral Officer at Orion Advisor Solutions. Daniel is the bestselling author of several books on the psychology of money, including "The Behavioral Investor" and "The Soul of Wealth," and is the host of the popular podcast "Standard Deviations." His mission is to help investors and advisors understand how psychology shapes financial decisions and what true wealth really means.
In this episode, Dave and Daniel dive into the psychology behind investing and the behavioral biases that quietly sabotage even the smartest investors. They break down the four major investor biases, why overconfidence is the most damaging of the bunch and Daniel's "Three E's" framework for overcoming them. They also explore why money is emotional rather than purely mathematical and the role behavioral fintech design can play in helping people make better long-term decisions.
The conversation also explores the rise of the "gamblification" of investing, the impact of social media on young investors and why personal benchmarking tends to serve people far better than chasing the S&P 500. Along the way, Daniel shares his framework of believing, belonging and becoming as the keys to a good life, his perspective on managing anxiety in uncertain times and why so many investors still fall into the trap of buying high and selling low.
Whether you're a seasoned investor or just starting to think about your relationship with money, this episode is packed with insights that will help you understand yourself as much as the markets.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Daniel Crosby
(03:02) Daniel's Path From Psychology to Finance
(05:21) Statistics on Reading
(06:48) The Four Major Investor Biases
(13:12) The Three E's to Overcome Biases
(18:25) Why Overconfidence Is the Most Damaging Bias in Investing
(19:02) Money Is Emotional, Not Just Mathematical
(22:50) Daniel's Role at Orion & Behavioral Fintech Design
(24:56) Personal Benchmarking vs. Chasing the S&P 500
(25:45) Mental Accounting & The House Money Effect
(26:50) The Gamblification of Investing & Young Men
(30:36) Social Media's Damage to Young Investors
(33:51) Believing, Belonging & Becoming: Keys to a Good Life
(38:56) Managing Anxiety in Uncertain Times
(42:05) Why We Buy High & Sell Low
(44:19) Conclusion
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#56 — Daniel Glazier: Appraisals & How to Avoid Family Conflict Over Your Estate
Our guest this episode is Daniel Glazier — a Certified Personal Property Appraiser (CPPA) with more than 25 years in the designation. Daniel spent decades in the used furniture and antiques trade before moving …
Notes de l’épisode
Our guest this episode is Daniel Glazier — a Certified Personal Property Appraiser (CPPA) with more than 25 years in the designation. Daniel spent decades in the used furniture and antiques trade before moving into appraisals full-time and has now completed over 1,000 appraisal reports for families, executors, lawyers and financial institutions across Southern Ontario.
In this episode, Dave and Daniel dive into the often-overlooked world of personal property appraisals and why so many family fights after a death have nothing to do with money and everything to do with stuff. They cover the endowment effect, Daniel's "VHS system" for identifying the items most likely to cause conflict, how to resolve disputes over contested belongings and why making a plan ahead of time is one of the most important and overlooked parts of estate planning.
Whether you're working on your own estate plan, helping a parent downsize or settling an estate as an executor, this episode is packed with practical insights that could save your family real money and a lot of unnecessary conflict.
Show Notes
(00:00) Intro & Disclaimer
(01:44) Intro to Daniel Glazier
(03:42) Daniel's Origin Story: Used Furniture & Strip Joints
(06:06) The Endowment Effect & The Used Furniture Market
(07:53) The VHS System for Identifying Items That Could Cause Family Conflict
(11:16) Resolving Conflicts Over Contested Items by Selling Them
(13:26) Make a Plan Ahead of Time to Avoid Family Conflict
(16:15) The Research on Sentimental Items
(17:34) A Solution to the Wedding Ring Dilemma
(18:52) Handling Non-Monetary Heirlooms
(20:50) The Appraiser's Role in Estate Planning
(23:24) The $5,000 Lamp Nobody Noticed
(25:22) Will AI Replace Personal Property Appraisers?
(26:55) Getting the Appraiser Involved Early
(28:02) How Clients Find Daniel
(29:41) Why Sold Prices Beat Asking Prices
(31:10) Location & Charitable Auctions Skewing Values
(33:11) Conclusion
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#55 — Mark McGrath: All-in-One ETFs, Rent vs. Buy and Financial Trade-Offs
Our guest this episode is Mark McGrath — one of Canada's top voices on evidence-based personal finance and a returning guest from episode #12. Mark recently came out of semi-retirement to launch his own …
Notes de l’épisode
Our guest this episode is Mark McGrath — one of Canada's top voices on evidence-based personal finance and a returning guest from episode #12. Mark recently came out of semi-retirement to launch his own advice-only practice called Phynance which focuses on helping physicians with financial planning. He is also co-author of "Wealthier: The Investing Field Guide for Canadian Millennials."
In this episode, Dave and Mark dive into all-in-one ETFs and why simplicity often beats last-mile portfolio optimization for the typical Canadian. They also discuss the renting vs. buying debate as Mark’s family has recently decided to sell their house and become renters.
The conversation also explores the limits of the 4% rule, how safe withdrawal rates differ across countries, and whether retirees are more comfortable holding stocks today than they used to be. Along the way, Mark talks about calling out charlatans on Twitter and shares which personal finance opinions he has changed his mind on over the years.
Whether you're a DIY investor, a homeowner weighing your options, or anyone trying to cut through the noise of online personal finance commentary, this episode is packed with practical, evidence-based perspective from one of Canada's most trusted financial voices.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Mark McGrath
(02:28) Mark's Semi-Retirement and His New Firm Phynance
(06:01) The Evolution of the Financial Planning Industry
(09:27) All-in-One ETFs Explained
(12:32) Simplicity Over Last-Mile Optimization
(15:39) The Case for a Home-Country Investing Bias
(19:27) Why Mark's Family Decided to Sell Their House & Become Renters
(23:44) Renting With Young Kids & Schools
(25:58) Why Mark Didn't Like Being a Landlord
(27:07) Homeowners Are Often Out of Touch With Costs
(29:44) What The 4% Rule Leaves Out
(34:05) Safe Withdrawal Rates Across Countries
(36:09) Are Retirees More Comfortable Holding Stocks Now Than in the Past?
(37:37) Voices Mark and Dave Respect in the Financial Industry
(40:54) Getting Assessed for ADHD
(41:54) Wife's Take on Personal Finance
(42:42) Calling Out Charlatans on Twitter
(45:03) Why Market Forecasters Keep Getting Booked
(45:55) Why Mark Stepped Away from Twitter
(48:32) What Personal Finance Opinions Has Mark Changed His Mind On
(53:02) Phynance Already Has a Waitlist
(55:52) Conclusion
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#54 — Frederick Vettese: Retirement Planning Advice on CPP, Annuities and More
Our guest this episode is Frederick Vettese — former Chief Actuary at Morneau Shepell (now Telus Health), longtime Globe & Mail columnist and one of Canada’s leading voices on retirement planning. Fred is also …
Notes de l’épisode
Our guest this episode is Frederick Vettese — former Chief Actuary at Morneau Shepell (now Telus Health), longtime Globe & Mail columnist and one of Canada’s leading voices on retirement planning. Fred is also the author of four books on retirement, including the bestselling “Retirement Income for Life.”
In this episode, Dave and Frederick cover a wide range of retirement topics from why many Canadians may be more prepared than they think to how annuities can fit into a retirement income plan. They also discuss reverse mortgages, whether it makes sense to delay OAS, RRSP meltdown strategies and how thinking around withdrawals has evolved over time. Along the way, Frederick shares thoughtful perspectives on carrying a mortgage into retirement, gifting to adult children, universal life insurance and his own estate planning approach.
Whether you’re approaching retirement or simply want to better understand the key decisions that shape it, this episode is packed with practical insights and real-world advice from one of Canada’s top experts.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Fred Vettese
(02:21) How Fred Comes Up With Writing Topics for The Globe & Mail
(04:30) Fred’s Career as an Actuary & Author
(06:45) Why Many Canadians Are Better Prepared for Retirement Than They Think
(10:31) Longevity Risk & the Case for Delaying CPP to 70
(12:15) The Role of Annuities in Retirement Income
(14:29) When Reverse Mortgages Make Sense
(16:32) Delaying CPP: Why Canadians Are Finally Coming Around
(18:47) Should You Also Delay OAS to Age 70?
(21:10) RRSP Meltdown Strategy & Income Smoothing
(23:20) How the Industry Shifted on RRSP Withdrawal Thinking
(25:27) Will People Get Married for the Financial Benefits in Retirement?
(27:12) Insurance Products: Universal Life & When They Make Sense
(29:38) Carrying a Mortgage Into Retirement
(31:13) Gifting Money to Adult Children & The Risk to Your Own Retirement
(34:02) Fred’s Own Estate Planning & Will Strategy
(35:43) Fred’s Personal Investment Mistakes & Lessons
(39:31) How the Financial Advice Industry Has Improved
(41:10) Some Grandparents are Upsizing
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#53 — Brian Orlando: The Case for Keeping Your Finances Simple
Our guest this episode is Brian Orlando — CPA and creator of the fast-growing Canadian personal finance account @CalmMoneyCoach. Brian has over 15 years of experience across accounting, finance and tech, before …
Notes de l’épisode
Our guest this episode is Brian Orlando — CPA and creator of the fast-growing Canadian personal finance account @CalmMoneyCoach. Brian has over 15 years of experience across accounting, finance and tech, before recently leaving the corporate world to pursue financial coaching full time. His mission is simple: reduce money stress and help people build plans they can actually stick to.
In this conversation, Dave and Brian explore why simplicity is often the most powerful strategy in personal finance — from automating savings and avoiding high-fee products to cutting through common misconceptions around RRSPs and investing. They also dive into real-world challenges Canadians are facing today, including the rising cost of living, lifestyle inflation and the pressure to “keep up.” Along the way, Brian shares practical insights on everything from the Smith Maneuver to employer RRSP matching, renting vs. buying, insurance decisions and how to make smarter financial choices in your 30s and beyond.
If you’re looking for straightforward, no-nonsense financial advice that actually works in the real world, this episode is packed with practical takeaways you can implement right away.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Brian Orlando (The Calm Money Coach)
(02:26) Brian’s Background & Career Path
(05:37) How Brian Grew His Audience for Calm Money Coach
(07:55) Why Simplicity Beats Complexity in Investing
(11:03) Automating Savings & Paying Yourself First
(11:54) The Downside of Fintech Platforms & Expensive Investment Products
(13:52) The Rising Cost of Living & Financial Desperation
(16:10) The Smith Maneuver Explained
(23:08) Financial Advice for Canadians in Their 30s
(27:55) Canada is Lucky to Have Great Financial Educators
(29:59) RRSP Misconceptions & Tax Efficiency
(32:59) Getting Good Advice for Retirement is Financially and Emotionally Beneficial
(36:30) Will People Get Married in Retirement for the Tax Advantages?
(37:50) Rent vs. Buying a Home
(43:45) The FHSA & Its Triple Tax Advantage
(44:21) Term vs. Whole Life Insurance
(47:10) Employer Matching on Group RRSP & Fees
(49:46) Overspending on Cars & Lifestyle Inflation
(52:32) Conclusion
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#52 — Moira Rose Váně: RESPs & How to Save for Your Kids’ Education
Our guest this episode is Moira Rose Váně — a full-time lawyer and Qualified Associate Financial Planner® who specializes in helping Canadian families save for their kids’ education through RESPs. In this …
Notes de l’épisode
Our guest this episode is Moira Rose Váně — a full-time lawyer and Qualified Associate Financial Planner® who specializes in helping Canadian families save for their kids’ education through RESPs.
In this conversation, Dave and Moira take a deep dive into everything you need to know about RESPs — from how they work to how to invest inside them to the often-overlooked pitfalls like high fees and estate planning risks when grandparents are involved. They also break down strategies for maximizing government grants, optimizing withdrawals and why family RESPs can be such a powerful tool. Along the way, Moira shares her perspective on passive investing, her unique career path as both a lawyer and financial planner and the financial planning challenges that disproportionately impact women.
Whether you’re a parent, grandparent or planning to have kids in the future, this episode is packed with clear, practical advice to help you make the most of RESPs and avoid costly mistakes.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro Moira Rose Váně
(02:10) Being a Lawyer and a Financial Planner
(04:28) Why Moira is Focusing on RESPs
(07:27) RESP Basics: What Is It & How It Works
(10:33) How to Invest Inside Your RESP
(14:06) Index Funds & The Evidence for Passive Investing
(15:38) The Problem With Group RESPs
(16:43) Best Platforms for Self-Directed RESPs
(19:37) Getting Grandparents Involved in RESPs
(21:14) The Impact of Fees on RESPs
(22:19) Estate Planning Risks When Grandparents Are Subscribers
(24:19) How Taxes Work With RESPs
(27:35) Why Dave and Moira Like Family RESPs
(30:04) Withdrawing from Your RESP: Strategies & Common Mistakes
(32:21) Financial Planning Challenges Unique to Women
(38:26) Moira’s 12-Month Implementation Advice Model
(43:29) Conclusion
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#51 — Doug Hoyes: Bankruptcy, Consumer Proposals and the State of the Canadian Consumer
Our guest this episode is Doug Hoyes — Co-Founder of Hoyes Michalos, Licensed Insolvency Trustee and one of Canada’s leading experts on debt and personal insolvency. Doug has spent decades helping Canadians …
Notes de l’épisode
Our guest this episode is Doug Hoyes — Co-Founder of Hoyes Michalos, Licensed Insolvency Trustee and one of Canada’s leading experts on debt and personal insolvency. Doug has spent decades helping Canadians navigate financial hardship and is a passionate advocate for ensuring people understand their options and find the right path forward.
In this episode, Dave and Doug dive into the world of debt, bankruptcy and consumer proposals — what they are, how they work and when each option might make sense. They break down how Licensed Insolvency Trustees operate, how consumer proposals are negotiated and what actually happens if you file for bankruptcy (what you keep, what you lose and who typically ends up choosing each path). Doug also shares insights into why so many Canadians are struggling with debt today, from inflation and the “K-shaped” economy to mortgage renewals, rising vehicle costs and the financial impact of divorce.
The conversation also explores some of the lesser-discussed drivers of debt including gambling, travel spending and lifestyle creep, along with practical advice on when to seek help and why early action can make a significant difference. Doug brings decades of real-world experience to highlight common mistakes and what people can do to avoid them.
If you want a clear, practical understanding of debt and insight into the Canadian economy from someone with boots on the ground, this episode is packed with insights you won’t want to miss.
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Doug Hoyes
(01:51) Why Debt Education is So Important
(03:11) Inflation and the K-Shaped Economy
(07:29) Consumer Proposal vs. Bankruptcy Explained
(09:18) How the Trustee Negotiates Consumer Proposals
(10:37) Who Ends Up Filing Bankruptcy vs. Consumer Proposal?
(12:34) Who Should Talk to a Licensed Insolvency Trustee and When?
(17:03) If You Claim Bankruptcy, What Do You Lose vs. Keep?
(19:48) How Do People Get Into Trouble with Debt?
(24:02) Gambling's Role in Insolvency
(25:38) Historical Homeownership Rates Among Insolvency Clients
(27:02) Mortgage Resets and the Condo Crash
(29:56) Vehicles Can Be a Major Financial Trap
(32:54) Divorce and the Financial Cost of Separation
(34:53) Travel and Debt
(36:38) No One Cares About Your Money More Than You Do
(38:20) Rapid Fire Questions
(40:43) Conclusion
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#50 — Ben Felix (Returns): Investing Insights and Rapid-Fire Q&A
Our guest this episode is Ben Felix — Chief Investment Officer at PWL Capital, co-host of the Rational Reminder podcast and creator of one of the most respected investing YouTube channels, @BenFelixCSI. Ben is …
Notes de l’épisode
Our guest this episode is Ben Felix — Chief Investment Officer at PWL Capital, co-host of the Rational Reminder podcast and creator of one of the most respected investing YouTube channels, @BenFelixCSI. Ben is a returning guest from Episode #5, one of our most popular episodes to date.
In this episode, Dave and Ben go through a rapid-fire Q&A on some of the most important (and misunderstood) topics in investing. They cover everything from the biggest mistakes investors make to the difference between investing and gambling to why professional investors struggle to beat the market and common misconceptions about dividends. Ben and Dave also break down the flaws with covered call funds, market timing, and touch on other topics like annuities, crypto, homeownership, life insurance and all-in-one ETFs.
If you want clear, evidence-based answers to your biggest investing questions this is an episode you won’t want to miss. Tune in now on our website, YouTube, Apple Podcasts, Spotify and all other podcasting platforms!
Show Notes
(00:00) Intro & Disclaimer
(00:55) Intro to Ben Felix
(04:22) A Huge Investor Mistake: Not Owning Enough Equities
(06:04) The Difference Between Investing and Gambling
(07:33) Increasing Your Income is One of the Best Things You Can Do for Your Personal Finances
(08:55) Dave and Ben’s Advice: Don’t Trade Options
(09:40) Why Professional Investors Struggle to Beat the Market
(13:40) Misunderstandings About Dividends
(16:11) Why Covered Call Funds Underperform Over the Long Run
(20:17) Even Experts Can’t Effectively Time the Market
(23:18) High Valuations and Expected Returns
(25:12) Behavioural Traps: Overconfidence and Pessimism
(27:31) The Role of Annuities in Retirement Planning
(32:03) Crypto and Prediction Markets
(35:21) Renting vs. Owning a Home
(38:56) The True Maintenance Costs of Home Ownership and “While We’re At It”
(40:46) Is Life Insurance a Good Investment Product?
(45:03) How Often Should You Check Your Portfolio?
(46:30) The Benefits of All-in-One Asset Allocation ETFs
(48:12) The Behaviour Gap in Investing
(48:53) The Positive Evolution of the Financial Advice Industry
(54:15) Conclusion
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Voici les 40 derniers épisodes sur 80. Les épisodes plus anciens se trouvent dans le flux du podcast.
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