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Financial Statements Basics: Part 3, with Jason Pereira | E085

In Part 3 of his solo series on financial statements, Jason Pereira turns to accounting ratios. Listeners will hear how measures like the operating cash flow ratio, interest coverage ratio, and gross margin track a business's solvency, profitability, and efficiency over time and against other firms.

Financial Statements Basics: Part 2, with Jason Pereira | E084

The financial statements series continues as Jason Pereira devotes Part 2 to the cash flow statement. He explains why this report is worth producing even though tax filings do not require it, what cash flow from investing activities reveals, and how liability duration affects working capital needs.

Financial Statements Basics: Part 1, with Jason Pereira | E083

Part 1 of Jason Pereira's five-part solo series on financial statements basics. This opener maps out income statements, balance sheets, cash flow statements, and ratios, and explains terms like capital cost allowance and EBITDA and why they matter when reading a company's numbers.

Budget 2022 with Jason Pereira | E082

Jason Pereira flies solo to review the 2022 federal budget, walking through 17 personal and corporate measures. He covers the new tax-free first home savings account, the doubled home buyer and home accessibility credits, the residential property flipping tax, and changes to the small business deduction.

Tax Audits & How They Are Changing with Anna Malazhavaya | E081

Anna Malazhavaya

Tax lawyer Anna Malazhavaya pulls back the curtain on CRA audits and how they are changing. The episode covers why honest taxpayers can still be selected, how an audit typically begins, how far auditors' powers now extend, and why good records and communication matter throughout the process.

Islamic Finance with Mohamad Sawwaf | E080

Mohamad Sawwaf

Mohamad Sawwaf, co-founder of Manzil, explains Islamic finance and the challenges it poses for Muslim business owners in Canada. Listeners will hear how shared-risk, asset-backed structures satisfy faith requirements, and why infrastructure gaps have left Muslims with low homeownership and capital markets participation.

From DIY to Advised with Robb Engen | E079

Robb Engen

Fee-only planner and Boomer and Echo blogger Robb Engen discusses when DIY investors turn to professional advice. He covers trigger events like pension commuted values and inheritances, the risk a surviving spouse faces inheriting a DIY portfolio, and the validator model of seeking a second set of eyes.

The Value of Brand with David Pullara | E078

David Pullara

Marketing instructor David Pullara, whose experience spans Starbucks, Coca-Cola, and Google, breaks down the value of brand. He distinguishes marketing from branding, explains why focusing on a niche beats trying to appeal to everyone, and makes the case for owning customer relationships instead of renting them from ad platforms.

Digital Assets On Death with Betsy Ehrenberg | E077

Betsy Ehrenberg

What happens to digital assets when someone dies? Betsy Ehrenberg, founder of Legacy Concierge, describes the scope of a person's digital footprint, why an inventory of accounts grows more important with age, and how software can freeze, delete, or transfer online accounts after death.

Visioning with Kyley Paul | E076

Kyley Paul

Business coach Kyley Paul joins Jason Pereira to unpack vision planning for business owners, what it means, and why it matters. The episode explores how anchoring activities to personal driving forces can shape productivity, confidence, and identity beyond the business itself.

Corporate Financial Planning & Analysis with Tom Seegmiller | E075

Tom Seegmiller

Corporate financial planning and analysis takes centre stage with Tom Seegmiller, VP of FP&A at Vena Solutions. He discusses why COVID-19 made forward planning urgent for many companies, how finance teams manage finite resources like cash, and where planning software is headed next.

Crypto Currency Taxation with Fabio Campanella | E074

Fabio Campanella

Tax and estate planner Fabio Campanella explains how the CRA treats cryptocurrency. The conversation covers when crypto trading counts as business income versus capital gains, and how getting paid in Bitcoin for goods or services is measured in Canadian dollars for tax purposes.

HR Law with Ellen Swan | E073

Ellen Swan

Employment lawyer Ellen Swan of Caravel Law covers HR law across the employee lifecycle, from hiring through termination. Listeners will hear what a probationary period actually is, how employees differ from contractors in the eyes of the law, and how pandemic-era cases complicated both.

Finding Advice with John DeGoey | E072

John DeGoey

What should Canadians look for when hiring a financial advisor? Author John DeGoey joins Jason Pereira to break down the questions worth asking, from requesting a fee breakdown in writing to why the advisor who sets return expectations lowest is often the most credible.

Creditor Insurance with Matthew Inglis | E071

Matthew Inglis

Creditor insurance is the focus as Matthew Inglis of Creditor Insurance Watchdogs joins the show. He explains how coverage sold alongside loans differs from individual policies, where the fine print and claim deadlines can catch borrowers off guard, and how the disability coverage compares to advisor-sold and group plans.

Steps In An Estate Freeze with Chris Sabat | E070

Chris Sabat

Chris Sabat, General Counsel at McMillan Estate Planning, walks through the thinking and mechanics of an estate freeze. Listeners will hear how a freeze can limit capital gains on death, how it fits with the sale of a business, and what Bill C-208 changed for intergenerational share transfers.

Longevity Planning with Alexandra Macqueen | E069

Alexandra Macqueen

Financial author Alexandra MacQueen joins Jason Pereira to dig into longevity planning, a core retirement issue for any generation. She explains period life expectancy, how inflation interacts with lifespan, and how mortality credits spread risk across a pool, the concept underpinning the Canada Pension Plan.

Client Focused Reforms with Parham Nasseri | E068

Parham Nasseri

Parham Nasseri of InvestorCOM explains client-focused reforms, one of the largest regulatory shifts in Canadian investment industry history. The episode covers what the reforms change in how advisors operate, the know-your-product process, and why the changes matter for investors.

Bill C208 with Kim Moody | E067

Kim Moody

Kim Moody breaks down Bill C-208, the law aimed at easing intergenerational transfers of small businesses, family farms, and fishing corporations. Listeners will learn what the bill changed in the Income Tax Act, why its drafting raises concerns, and what may still need fixing.

Maximizing Enterprise Value with David Prowse | E066

David Prowse

David Prowse of Velorum Business Advisory shares how owners can get the most from a business valuation. Topics include why holistic business planning matters, what financial readiness means ahead of a sale, and the qualitative and quantitative factors that shape enterprise value.

Boomers Retire with David Field and Alexandra Macqueen | E065

David Field

Authors David Field and Alexandra Macqueen discuss the fifth edition of The Boomers Retire. The conversation covers how Canada's retirement system compares internationally, the role advisors can play in guiding clients into and through retirement, and the risks that come with investing.

Expatriating with Justin Abrams | E064

Justin Abrams

Tax specialist Justin Abrams of Kraft Berger LLP explains what happens tax-wise when someone leaves Canada. Listeners will learn how departure tax on accrued value works, which situations create tax obligations on exit, and why business owners face particular complexity when expatriating.

Facilitating Giving with Paul Nazareth | E063

Paul Nazareth

Paul Nazareth of the Canadian Association of Gift Planners discusses charitable giving within financial planning. The episode reviews how Canada's charitable tax-credit system works, how donations of appreciated securities are generally treated, and why gift planning starts with what matters to the donor.

Corporate Wellness with Anna Spivak | E062

Anna Spivak

Anna Spivak joins the show to address stress and burnout among business owners and their teams. The episode looks at why customized wellness programs beat one-size-fits-all fixes and how absenteeism, turnover, and burnout quietly erode a company's profits.

Kids & Money with Susan O'Brien | E061

Susan O'Brien

Susan O'Brien, founder of Net Worth Thinking, talks about raising money-smart kids. Listeners will hear at what age money coaching can begin, practical ways to encourage children to save, and why teaching kids about the needs of others matters as much as their own.

The Seven Stages Of Planning with Kam Chari | E060

Kam Chari

Kam Chari, with four decades in the insurance industry, walks through the seven stages of financial planning. The discussion covers how insurance and retirement plans fit different life stages and what to consider when timing Canada Pension Plan and Old Age Security benefits.

The 2021 Federal Budget with Guest Host, Guy Anderson | E059

Guy Anderson

Guest host Guy Anderson joins Jason Pereira to unpack the 2021 federal budget. They review the national child care program, COVID relief measures, and what the budget did and did not change on the tax front for Canadian business owners.

Changing the Business Owners Relationship With Their Lawyers with Romesh Hettiarachchi | E058

Romesh Hettiarachchi

Commercial lawyer Romesh Hettiarachchi challenges how business owners work with their lawyers. Listeners will learn the four ways owners typically use legal counsel, why alternative fee arrangements can change the relationship, and the five pressures reshaping the legal profession.

The Problem With Personal Real Estate Corporations with Vic Gasparitsch | E057

Vic Gasparitsch

Real estate lawyer Vic Gasparitsch raises concerns about Ontario's new personal real estate corporations. The episode explains what a PREC can and cannot do, how splitting income between agent and corporation creates accounting problems, and how simple the setup process currently is.

Financial Perception with Chad Willardson | E056

Chad Willardson

Chad Willardson, author of Stress-Free Money, explores how childhood perceptions of money shape lifelong financial behaviour. Listeners will hear why risk is so often misjudged in both directions and how seeing what your current finances make possible can counter a scarcity mindset.

P&C Insurance with Paul Martin | E055

Paul Martin

Paul Martin of KRG Insure demystifies property and casualty insurance for business owners. Topics include why liability settlements have surged, how widespread cyber attacks have driven insurance claims, and how insurers adapted to work-from-home arrangements and vehicle side hustles.

Accelerating Growth With Government Support with Mark Patterson | E054

Mark Patterson

Mark Patterson of Magnet describes how small businesses can tap government programs and talent networks to grow. The episode explains why application processes deter many owners and how platforms like Magnet aim to level the field with larger firms that have dedicated teams.

Being An Effective Executor with Melissa Best | E053

Melissa Best

Melissa Best, founder of QuickEstate, outlines what it takes to be an effective executor. Listeners will learn the full scope of an executor's responsibilities, why so many executors start out unprepared, and why assets like the family cottage are often the hardest to settle.

End of Life Planning with Dr. Daren Heyland | E052

Dr. Daren Heyland

Dr. Daren Heyland, a former critical care physician, discusses planning ahead for serious illness. The conversation covers why appointing a decision-maker early reduces stress, how the Plan Well Guide helps people clarify their values and treatment preferences, and where powers of attorney fit in.

Gift Planning with Denise Fernandes | E051

Denise Fernandes

Denise Fernandes of Diabetes Canada explains how planned giving works alongside financial advice. Listeners will hear how charities coordinate with donors' advisors, why Ontario's charitable credit rate is the lowest in Canada, and when charities get involved in estate planning.

Financial Literacy For The Next Generation with Preet Banerjee | E050

Preet Banerjee

Preet Banerjee joins Jason Pereira to talk about financial literacy for the children of wealthy families. The episode explores what his workshops for 18-to-24-year-olds cover, the shirtsleeves-to-shirtsleeves-in-three-generations warning, and how pop culture shapes attitudes toward wealth.

Global Financial Planning with Ashley Murphy | E049

Ashley Murphy

Ashley Murphy, founder of the Global Financial Planning Institute, tackles financial planning across borders. Listeners will learn why US citizens abroad face two sets of rules, how citizenship-based taxation differs from residency-based systems, and what makes cross-border planning complex.

Developing Online Networks with Gil Petersil | E048

Gil Petersil

Entrepreneur and coach Gil Petersil shares how business leaders can build stronger online and offline networks. The discussion covers why networks should evolve as your business changes and his view that giving knowledge away freely tends to bring value back.

The Difference Between Good & Bad Advice with Harold Geller | E047

Harold Geller

Lawyer Harold Geller, who represents clients harmed by poor financial advice, explains how to tell good advice from bad. Listeners will hear which red flags to watch for in an advisor's communication and why a second opinion can help before pursuing legal action after a major loss.

Planning For The Family Farm with Dane ZoBell | E046

Dane ZoBell

Dane ZoBell of Felesky Flynn discusses succession and tax planning for the family farm. Topics include which assets can qualify for the capital gains deduction, why rising land values have outpaced that shelter, and how gifted property affects the next generation's tax options.

Search Engine Optimization with John Vuong | E045

John Vuong

John Vuong of Local SEO Search breaks down search engine optimization for small businesses. He covers how answering the questions your ideal customers are searching for drives good content, and how press releases, link placement, and guest posts amplify a website's visibility.

Process Management with Mike Brcic | E044

Mike Brcic

Mike Brcic, founder of Way Finders, explains how documented processes free up an owner's time. Listeners will learn why offloading energy-draining tasks matters, how checklists keep a business running smoothly, and what re-engineering a business around process looks like.

Real Estate For Business Owners with Riccardo Di Donato | E043

Riccardo Di Donato

Riccardo Di Donato of Redberry Restaurants talks commercial real estate for business owners. The episode looks at why a lawyer's review of leasing contracts matters, how leasehold improvements can factor into rent negotiations, and what a continuous operating covenant can mean for tenants.

Defining Your Legacy with Christine Brunsden | E042

Christine Brunsden

Christine Brunsden of Trusted Legacy discusses planning for how you want to be remembered, not just your finances. The conversation covers why people put off legacy and estate planning and how tools like alter ego and joint partner trusts fit into the picture in Ontario.

Avoiding Estate Planning Disasters, with Harris Jones | E041

Harris Jones

Estate planner Harris Jones shares how estate plans go wrong and how disasters can be avoided. Listeners will hear why grief clouds decision-making, why no product actually eliminates estate taxes, and how planning can instead help cover those taxes when they come due.

Estate Planning with Rachel Blumenfeld | E040

Rachel Blumenfeld

Rachel Blumenfeld of Aird & Berlis walks through estate planning for business owners. Topics include why dual wills are used to reduce probate costs, how joint accounts can trigger estate litigation, and what changes when an American citizen is part of a Canadian estate plan.

The Basics of Estate Planning with Jason Pereira | E039

In a role reversal, Guy Anderson interviews host Jason Pereira on the basics of estate planning for business owners. The episode explains where money can go after death, why having your own plan beats leaving it to government default rules, and the three scenarios every will has to address.

Long Term Care with Jen Jacobs | E038

Jen Jacobs

Long-term care insurance specialist Jen Jacobs explains why this coverage is among the most overlooked in Canada. Listeners will learn how longer lifespans change retirement planning, how Canadian fixed-premium policies differ from other markets, and what to consider when weighing coverage.

Mindfulness with Ajani Charles | E037

Ajani Charles

Mental health advocate Ajani Charles talks with Jason Pereira about mindfulness for busy business owners. He explains how meditation can ease the self-judgment common in high performers and why present-moment awareness can surface motivations and feelings that usually stay hidden.

Donating Before You Exit with Jennifer Couldrey | E036

Jennifer Couldrey

Jennifer Couldrey of The Upside Foundation of Canada discusses how founders can pledge equity to charity before an exit. The episode covers how donations of stock options or personal proceeds work and why giving before a sale can shape a company's community impact.