Our guest this episode is Jason Heath—Managing Director at Objective Financial Partners and one of Canada’s most respected fee-only/advice-only financial planners.

In this episode, Dave and Jason cover the foundations of financial planning in Canada, tackling hot-button topics like RRSPs vs. TFSAs, reverse mortgages, annuities, CPP/OAS timing, insurance planning, estate-planning pitfalls and more. They also discuss how to prioritize financial goals, avoid common mistakes and build a plan that actually works in the real world.

Whether you’re planning for retirement, building your financial future or just want a clearer understanding of how all the pieces fit together, this episode is a masterclass in financial planning.

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Jason Heath

(03:00) The Rising Cost of Living in Canada

(05:00) The Pros and Cons of Getting Financial Information from Finfluencers

(10:06) Investing vs. Financial Planning

(12:47) Objective Financial Partner’s Clients and Services

(15:10) Estate Planning

(18:41) Reverse Mortgages Get a Bad Rap

(21:04) Use Cases for Annuities

(24:24) People Don’t Want to Listen to the Experts and Defer CPP and OAS

(25:31) TFSAs vs. RRSPs

(27:54) Decumulation Planning for Retirees

(33:01) Disability Insurance

(35:29) Life Insurance

(40:04) Gifting Money to Kids

(41:52) Estate Planning Mistakes

(44:24) The Importance of Prioritization in Financial Planning

(49:34) Financial Education and Finding Balance

Our guest this episode is Steve Saretsky—a top 1% realtor in Vancouver and the host of one of Canada’s most popular real estate YouTube channels and the podcast “The Loonie Hour.”

In this wide-ranging conversation, Dave and Steve explore the current state and uncertain future of Canada’s real estate market. They talk about the collapse of the condo market, cancelled development projects, rising risk for lenders and whether sellers are finally starting to accept reality. Steve also shares his insights on affordability challenges, the impact of immigration, which markets still offer value and why detached homes remain the dream for many Canadians.

If you’re trying to make sense of the Canadian housing market—whether you’re a buyer, seller, investor, or just a curious observer—this episode offers a candid, data-driven and often surprising look at where things stand.

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Steve Saretsky

(03:06) The Collapse of Canada’s Condo Market

(06:45) Where Are Real Estate Prices Headed?

(10:08) Are Real Estate Developers and Lenders in Trouble?

(14:38) Layoffs at Real Estate Development Companies

(17:01) Lend and Pretend

(19:00) Cancelled Development Project in Vancouver

(21:15) What Caused the Crazy Real Estate Market in 2021?

(24:46) Are Sellers Being Too Stubborn?

(26:50) First-Time Homebuyers Can’t Move Up

(30:49) The Impact of Immigration on the Real Estate Market (32:40) Most People Still Want a Detached Home

(39:02) Which Markets Are Still Affordable in Canada?

(41:44) Landlord Challenges & Investing Across Provinces

(48:49) The Cottage Real Estate Market

(50:56) Policy Changes to Fix the Canadian Real Estate Market

(53:45) Land Costs Drive All Prices Up

(56:01) Conclusion

Our guest this episode is Joyee Yang—a “finfluencer” with over 300,000 followers across Instagram, TikTok, YouTube and more. Joyee has built an audience by taking the intimidation out of investing and teaching the basics in a clear, relatable way.

In this episode, Dave and Joyee dive into her journey: from getting kicked out at 19, to working three jobs to pay off student debt and buy a condo, to becoming one of Canada’s most-followed finfluencers. They discuss the rise of all-in-one ETFs, the pros and cons of individual stocks vs broad-market index funds and how apps like Blossom are helping investors to learn and share their portfolios.

Whether you’re brand new to investing or curious about the finfluencer landscape in Canada, this episode is packed with stories and beginner-friendly advice.

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Joyee Yang

(03:17) How Joyee Became a Finfluencer

(04:44) Working Three Jobs to Pay Off Student Debt and Buy a Condo

(08:05) Individual Stocks Versus Broad-Market ETFs

(11:45) Teaching the Basics and How to Open Accounts

(16:21) Blossom Social Investing App

(18:21) Cooperation Amongst Canadian Finfluencers

(21:58) Joyee’s Desire to Help the Younger Generation

(23:05) All-in-One ETFs

(23:58) Learning About Volatility in the Stock Market

(25:44) Conclusion

Our guest this episode is Jamie Golombek—Managing Director of Tax & Estate Planning at CIBC and a widely respected voice in the Canadian financial industry. Jamie is a frequent guest on BNN, CTV and CBC’s The National, and in 2023 was awarded the prestigious CPA Fellow designation.

In this episode, Dave and Jamie dive deep into the world of tax and estate planning in Canada. They cover everything from RRSPs and FHSAs to the most tax-efficient ways to donate to charity. Jamie shares practical advice on how to think about your tax return (hint: a big refund isn’t a good thing), how to avoid common estate planning mistakes and why keeping a net worth statement with your will might be one of the smartest moves you can make.

Whether you’re saving for retirement, thinking about gifting an early inheritance or just want to better understand Canada’s tax system, this episode is filled with insights, tips and examples every Canadian can learn from.

Show Notes

(00:00:00) Intro & Disclaimer

(00:00:55) Intro to Jamie Golombek

(00:03:43) What is Tax Planning and Estate Planning?

(00:08:17) You Shouldn’t Want a Large Tax Refund

(00:13:53) Employer Matching is a Fantastic Deal

(00:17:49) Registered Accounts in Canada

(00:22:32) FHSAs are Incredible

(00:24:26) RRSPs and the Advantages of Tax-Free Investing

(00:27:00) Tax on RRSPs and Investments

(00:31:02) Our Tax System is Unfair for Single People

(00:33:25) The Most Tax-Efficient Way to Donate to Charity

(00:39:25) Tax Deductions if You Work From Home

(00:41:37) Changing the Principal Residence Exemption in Canada

(00:45:21) Joint Powers of Attorney for Personal Care

(00:48:01) Cottages and Estate Planning

(00:49:32) The Importance of Keeping a Net Worth Statement with Your Will

(00:52:02) Would Dave or Jamie Ever Be an Executor?

(00:53:18) Corporate Executors

(00:55:42) How to Avoid Family Fights with The Estate Items

(00:59:38) Early Inheritance Gifts

(01:02:58) Probate Fees

(01:06:01) Beware of Joint Ownership with Your Kids

(01:08:20) Conclusion

Our guest this episode is Aaron Hector—Founding Partner of TIER Wealth, President of the Institute of Advanced Financial Planners and a fellow personal-finance nerd like Dave.

In this episode, Dave and Aaron explore some of the most overlooked opportunities in Canadian financial and estate planning. From optimizing RESP withdrawals to gifting tax deductions to your kids, Aaron shares smart, actionable strategies that can help families build and preserve wealth more effectively. They also cover timely topics like when to defer RRSP or FHSA deductions, how to handle joint accounts, why every Canadian needs a will and the difference between a beneficiary and a successor holder.

Whether you’re just building your financial plan or revisiting it with an eye for tax efficiency, this episode is full of practical tips and clear explanations you can put to use.

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Aaron Hector & TIER Wealth

(04:23) Detailed Optimizations in Financial Planning

(07:22) When Should You Defer FHSA or RRSP Tax Deductions?

(10:41) A FREE Strategy for Parents to Help Their Kids Buy a Home (Gifting a Tax Deduction)

(15:22) TFSA vs. RRSP

(17:13) RESP Lump-Sum vs. Gradual Contributions

(20:34) Optimal RESP Withdrawal Strategies

(26:45) A Simple—But Powerful—Estate Planning Exercise

(30:17) Joint Tenancy on Non-Registered Accounts

(32:01) Get a Will!

(34:44) What’s the Difference Between a Beneficiary and a Successor Holder?

(37:23) The Importance of Estate Planning

(39:10) Corporate Executors

(42:24) Tax Opportunities When the Stock Market Pulls Back

(44:49) Are More Grandparents Giving Money to Their Grandchildren?

(46:24) Conclusion

Our guest this episode is Brian Scudamore—founder and CEO of O2E Brands, the parent company of 1-800-GOT-JUNK, the world’s largest junk removal business. Brian started the company at just 18 years old after dropping out of high school, and has since built it into a $700 million empire. Along the way, he’s expanded into other home service brands like WOW 1 DAY PAINTING and Shack Shine, and today is also a Dragon on CBC’s “Dragons’ Den.”

In this conversation, Brian joins Dave to share the story behind his entrepreneurial journey—from naming the company after a phone number to franchising it internationally to turning “ordinary” home services into premium, trusted brands. They dive into the lessons Brian learned while building the business, why he believes anyone can be an entrepreneur and how his grandfather’s advice on kindness continues to shape his leadership style.

Whether you’re a budding entrepreneur or just curious how a scrappy Canadian startup turned into a household name, this episode is packed with insights and inspiration.

Show Notes

(00:00) Intro & Disclaimer

(00:57) Intro to Brian Scuadmore

(02:47) How Brian’s Grandparents Taught Him to Treat People Kindly

(04:23) 1-800-GOT-JUNK Today

(08:10) Brian’s New Brands

(09:26) Business Differences in Canada vs. the U.S.

(11:23) How Brian Started 1-800-GOT-JUNK

(13:54) Naming the Business a Phone Number

(15:32) Keys to Success in Home Services

(19:23) Successes and Failures of Growing Internationally

(20:56) The Franchise Model

(23:54) Premium Pricing in the Service Industry

(26:55) Finding $400k in the Floorboards

(28:13) Business Formation in Canada

(30:31) Starting New Home Service Brands

(37:54) Dragons’ Den

(41:54) Anyone Can Be an Entrepreneur

(42:45) The Future of Brian’s Businesses

(44:39) The Impact of Dragons’ Den

(47:52) Conclusion

Our guest this week is Ben Rabidoux—Founder of Edge Realty Analytics and North Cove Advisors and one of the most respected voices on Canadian housing and economics. In this episode, he joins Dave to tackle some of the biggest questions facing Canada’s real estate market today.

From the condo market crash to vacancy rates for rentals to the role of HELOCs and immigration policy, Ben explains how we got here, what’s coming next and what it all means for affordability in this country. He also shares the story of catching Fortress as a fraud and offers a candid take on whether Canada is too soft on white-collar crime.

If you care about housing, affordability or the future of Canada’s economy, this episode is a must-listen.

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Ben Rabidoux

(02:19) Catching Fortress as a Fraud

(09:26) Is Canada Too Soft on White-Collar Crime?

(11:56) Are Rents Going to Come Down in Canada?

(15:12) How Much Do Home Prices Need to Drop to Become Affordable Again?

(16:33) The Condo Market is Hyper-Cyclical

(17:58) The Condo Market Crash

(24:34) Who Was Buying These Pre-Sale Condos?

(25:27) Where is This Condo Crisis Headed?

(28:18) The Impact HELOCs Have on Canada’s Economy

(32:51) Immigration and Its Impact on Canadian Real Estate

(38:47) A Challenge Our Government Faces Over Immigration

(41:01) The Impact of AI on Immigration Levels

(44:46) How Does Canada Fix Its Affordability Challenges?

(48:09) Conclusion

Our guest this episode is Adam Bornn—Founder and Managing Partner at Parallel Wealth, a Canadian financial planning firm that specializes in helping people retire with confidence. Adam also runs an educational YouTube channel (@ParallelWealth) with over 138,000 subscribers where he shares practical and approachable retirement advice for Canadians.

In this conversation, Dave and Adam dive deep into the world of retirement planning—from understanding the “Go-Go, Slow-Go, and No-Go” phases of retirement to managing taxes through RRSP meltdowns to whether you really need $1 million to retire. Adam shares why retirees need a financial plan, common mistakes people make and how strategies like delaying CPP, TFSAs and even reverse mortgages can play a role in a well-structured retirement.

If you’re planning for retirement—or even just starting to think about it—this episode is packed with insights, myths debunked and practical advice tailored to Canadian listeners.

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Adam Bornn

(03:35) Why Did Adam Specialize in Retirement Planning?

(05:23) Why Retirees Need a Financial Plan

(10:45) The Go-Go, Slow-Go and No-Go Phases of Retirement

(11:57) What is an RRSP Meltdown?

(13:16)  Your Average Tax Rate Should Be Consistent Through Retirement

(14:38) OAS Clawback

(16:07) Do Reverse Mortgages Fit Into Retirement Plans?

(17:08) Annuities

(18:03) The “Die With Zero” Concept

(19:11) Building Generational Wealth

(20:44) People Underestimate How Long They’re Going to Live

(22:44) Single Retirees Are at a Massive Disadvantage

(23:57) When Does Whole Life Insurance Make Sense?

(25:57) Most Retirees Need Stocks in Their Portfolios

(27:33) Should You Plan for Large Late-Life Healthcare Costs?

(29:41) Pre-Retirees Should Do Their Research

(31:28) The Biggest Mistakes Adam Sees Retirees Make

(32:20) Myth: You Need $X Number to Retire

(33:01) TFSAs Add Flexibility for Retirees

(34:56) Conclusion