Episode 223: Our Holiday Message To You!

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Do you ever feel like you should be further ahead financially — even though you’ve been doing everything “right”?

As the year winds down, this episode speaks directly to Canadian business owners, incorporated professionals, and families who carry real responsibility and rarely pause to acknowledge their progress. When wealth-building feels slow, complex, or isolating, it’s easy to mistake patience for failure. This conversation reframes what real progress looks like when you’re designing long-term systems, not chasing short-term wins — and why reflection, clarity, and community matter more than optimization.

You’ll walk away with:

• A healthier definition of financial progress that goes beyond net worth and flashy milestones
• A clearer mindset for building wealth through systems, patience, and intentional decisions
• Reassurance that uncertainty, slower growth, and thoughtful planning are signs of maturity — not being behind

Press play to reset your perspective and head into the next season with clarity, confidence, and calm.

Resources:

• Ready to take a deep dive and learn how to generate personal tax free cash flow from your corporation? Enroll in our FREE masterclass here. 
• Book a Discovery Call with Kyle to review your corporate (or personal) wealth strategy to help you overcome your current struggle and take the next step in your Canadian Wealth Building Journey!
• Discover which phase of wealth creation you are in. Take our quick assessment and you’ll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.
• Dig into our Ultimate Investment Book List
• Follow/Connect with us on social media for daily posts and conversations about business, finance, and investment on LinkedIn, Instagram, Facebook [Kyle’s Profile, Our Business Page], TikTok and TwitterX. 

Calling All Canadian Incorporated Business Owners & Investors:

Consider reaching out to Kyle if you’ve been…

• …taking a salary with a goal of stuffing RRSPs;
• …investing inside your corporation without a passive income tax minimization strategy;
• …letting a large sum of liquid assets sit in low interest earning savings accounts;
• …investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting cordporate passive income taxes at greater than 50%; or,
• …wondering whether your current corporate wealth management strategy is optimal for your specific situation.

As part of thoughtful financial reflection for business owners, end-of-year financial planning is an opportunity to shift toward progress over perfection wealth by recognizing financial wins and strengthening a long-term wealth building mindset. A strong Canadian wealth plan focuses on building wealth systems, not goals, combining proactive financial planning, financial buckets, and investment bucket strategies to create financial clarity and confidence. For Canadian entrepreneurs, this means aligning personal vs corporate tax planning, corporate structure optimization, RRSP optimization, and tax-efficient investing with real-world choices like salary vs dividends in Canada, real estate investing vs renting, and maintaining a modest lifestyle while pursuing financial freedom in Canada. Through corporate wealth planning, capital gains strategies, passive income planning, and estate and legacy planning in Canada, business owners can build long-term wealth, support early retirement strategies, and benefit from a trusted wealth building community that prioritizes maturity, diversification, and sustainable financial independence.

Transcript:

As we head into the holiday season, Kyle and I wanted to pause. Not to teach a new strategy. Not to unpack tax rules today. Not to debate RRSP versus tax free savings account versus unregistered accounts, but simply to speak directly to you, to the business owners, to the incorporated professionals, to the investors, the entrepreneurs and the families quietly building something meaningful over time.

This time of year naturally invites reflection. And when you’re someone who takes responsibility seriously, responsibility for your family, your business, your future reflection can be complicated. Because when you’re always focused on progress, it can be hard to stop long enough to recognize how far you’ve already come. So today, the message is about perspective, patience, and community. Now, if you’re listening to this and thinking I should be further ahead by now, or why does this always feel so complex?

It’s a complex web that we’re weaving here. I want you to hear this clearly. Building real wealth is long cycle work. You’re not just saving money. You’re designing systems. And I actually, I heard James Clear just say this, that goals are for people who are concerned about winning once. Systems are for people who are concerned about winning consistently.

So that’s you. You know, you’re trying to build systems. You’re navigating taxes, risk uncertainty and trade offs. You’re making decisions today that won’t fully reveal their impact for years, sometimes decades to come. And that kind of work rarely feels simple. Most of the time it feels slow, fragmented, like you’re constantly balancing short term needs with long term intentions.

You’re operating in a system that was not designed for clarity, not even close. You’re often given advice and messaging and silos, and you’re expected to just know what the right move is without ever being shown the whole picture and how that all fits together. So if this year stretched you, if it forced hard conversations, if it required patience, you didn’t plan on needing.

That doesn’t mean you’re behind. It often means you’re just doing the real work. One of the hardest parts of wealth planning is recognizing wins. When they don’t look dramatic or fancy or flashy. So let’s redefine what progress can really look like. A win might be finally, understanding why your structure matters, not just what it is. Holding more liquidity than you ever have before.

Even if you haven’t even used it yet, we’re choosing stability over speculation. Saying no to an opportunity because it didn’t align with your long term plan. Or it could be replacing anxiety with clarity. Even when the numbers haven’t exploded upward yet, some of the most important wins in wealth building don’t show up on the net worth statement right away.

They show up in confidence, intentionality, and better decisions under pressure. If your plan feels more thoughtful, even if it feels slower. That’s not a setback. That’s maturity. One thing we’ve learned over the years, again and again, is that wealth building can feel incredibly isolating. You see highlight reels online. You hear about overnight success stories, and it’s easy to assume everyone else has it all figured out.

But here’s the truth. Every successful business owner, investor, entrepreneur has made costly mistakes. Every investor you admire has lived through uncertainty, and it’s been messy. No one builds sustainable wealth entirely on their own in the first shot. That’s why this community that we’re trying to build here has Canadian wealth secrets exists. It’s why we meet with Canadian business owners in our live events.

It’s it’s what we’re trying to do is you’re trying to create a community not to to posture, not to flex, but to remind each other that thoughtful progress beats reckless speed. Your questions are valid. Your uncertainty is normal, and your journey doesn’t need to look like anyone else’s to be successful. And I want to model what we’re about to ask you by sharing a few of our own wins from this year.

One win for us here at Canadian Wealth Seekers has been seeing more business owners shift from asking, how do I pay less tax? Which is pretty much what we get asked every day to asking, how do I design a system that works for me over the next 20 years? Another win has been watching clients move from reactive decisions to proactive planning, where money becomes a tool, not a source of stress.

On a personal level, a win has been staying committed to education and clarity over shortcuts, even when flashier paths have been available. And maybe the biggest win of all has been hearing business owners say, I finally feel like my money is working with me instead of against me. And that’s when, you know, this work is landing where it matters.

Now we want to invite you into this moment. Here’s the ask. It’s simple. Take a minute. Open the voice recorder on your phone and record one financial win from this year. It might be a decision you’re proud of. Maybe it’s a mindset shift or a lesson learned. Or even something unfinished, but clearer than ever before. Email us at Kyle at Canadian secrets.com.

We’d love to share those reflections back with the community, because your story might be exactly what someone else needs to hear right now. And if you’re listening to this the day it goes live, it’s Christmas Eve 2025, and we are honored that you’re listening to us today as we head into the holidays. We want you to hear this.

You don’t need to optimize everything this year. You don’t need to have every answer, and you don’t need to justify rest. Rest is not complacency. Reflection is not falling behind. And community is not optional. It’s how wealth becomes sustainable. Thank you for taking ownership of your financial future. Thank you for thinking long term in a short term world.

And thank you for being part of a community that believes wealth is about more than numbers. It’s about freedom, stability, and legacy from all of us here at Canadian Secrets. We wish you clarity, calm in a holiday season that creates space for what matters most.

Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

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