Episode 227: Why Leaving Canada Will Not Solve Your High Tax Problems | Canadian Business Owners

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Are high taxes really the reason you’re thinking about leaving Canada—or is your financial structure quietly sabotaging your wealth?

Many successful Canadian entrepreneurs feel trapped by mounting tax bills and look to places like Dubai or Panama for relief. But what if the problem isn’t where you live, but how your income and investments are architected? In this episode, Jon Orr and Kyle Pearce unpack a real case of a business-owning couple on the verge of expatriation—only to uncover that poor income strategy, not Canada itself, was the root of their frustrations. If you’ve ever felt like your tax bill doesn’t match your lifestyle, this conversation will hit home.

You’ll discover:

• Why dividend-heavy compensation may be costing you more than you think
• How to restructure investment accounts to cut six-figure tax drag
• A smarter way to use RRSPs, capital gains, and corporate-owned insurance for long-term tax efficiency

Press play to learn how fixing your financial structure might save you millions—without having to leave the country.

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.

Canadian business owners often feel overwhelmed by complex tax rules and rising tax burdens—but the real solution isn’t leaving the country, it’s smarter tax planning. By leveraging advanced Canadian tax strategies—like optimizing RRSP room, shifting from dividends to salary when it makes sense, and using capital gains strategically—entrepreneurs can unlock greater tax efficiency and long-term wealth. This episode explores how tax restructuring, corporate wealth planning, and tax-efficient investing can transform your Canadian wealth plan. Whether you’re aiming for early retirement, building financial independence in Canada, or securing your legacy, you’ll learn how financial buckets, investment bucket strategies, and personal vs corporate tax planning all play a role. With a modest lifestyle and the right systems—such as corporate-owned insurance, financial vision setting, and real estate investing in Canada—you can create a sustainable path to financial freedom without uprooting your life. Tune in to master financial planning tools and wealth-building strategies tailored for the Canadian entrepreneur.

Transcript:

All right, let’s get into a call that we just recently had with a Canadian business owner. And this business owner, I think, is like many of us business owners here in Canada. And it might be like you listening in right now, where maybe you’re so frustrated with income taxes and taxes in general from the CRA and these people. We’re ready to leave Canada entirely. They’re like, we’re outta here. We’re heading to Dubai, we’re heading to maybe Panama.

We’re going to the Cayman Islands. Maybe we’re going to Monaco. But all of these were on the table. They’re like, we’re out of here. We gotta leave Canada because we just need to get away from this tax system. And on paper, it might make sense. But here’s the thing. Here’s the truth. Once we started digging in with this individual, this business owner, once we opened up the hood, the problem wasn’t Canada at all.

So what we’re gonna be unpacking here today is like why successful Canadians feel overtaxed, how investment structures quietly destroy your tax efficiency, why leaving Canada often makes things actually worse and not better, and how the family, your same family can keep earning six figures every year without changing the country. Let’s get into it, Kyle.

Yeah, so let’s dig in here. So first thing, I’m always super intrigued when someone reaches out and they sort of, you know, they’re asking for a tax strategy, but they’re also saying like pretty explicit explicitly like, you know, can I do tax strategies, but we’re heavily leaning towards leaving, you know, Canada. And, you know, we’ve done some episodes in the past, so it’s really important for people to go back and listen to some of those as well. But ultimately, you know what I say right away to a client who is

heavily leaning towards leaving. Like I say, if it’s like more than 50 % that you’re gonna pick up and leave, you probably wanna do the exact opposite of everything we talk about on this show, right? Like, I mean, you don’t go set up a policy. Don’t, you know, defer your capital or don’t defer your retained earnings. Like don’t do a lot of these things because what you need is you need to take advantage of each and every tax year that you can slowly drain money out and keep your tax bracket at.

That’s funny. Bay during those years. And then the reality is, is if there’s too much, ultimately, there’s still going to be a big tax bill at the end, but at least you got some of it out, right? Like, that’s the opposite strategy of what we try to do, which is try to defer taxes as long as possible. And we know that a lot of taxes, especially capital gains taxes are going to be deferred until you sell or realize that capital gain or until you pass on and pass on those assets. So

really right away, that’s sort of the conversation we had. And I said, well, like, let’s look a little bit deeper at what’s going on here. So, you know, these two individuals, we’ll call them around 60 years old. All right. It’s a couple. They’ve got a successful operating business here in Canada. I won’t tell you where they’re from, but ultimately at the end of the day, they pay themselves well each year about one 40 each. So husband takes one 40. She takes one 40. Great. Awesome.

I asked specifically like, that enough for lifestyle? You know, and if it’s too much, then you know, maybe actually, you know, bringing that income down could make sense. So we did discuss that a little bit. So, you know, they were like, actually, you know what, maybe we don’t need as much. They’re actually hurting themselves because their business is earning less than $500,000 per year of net operating income. So if they’re taking one

40 each, they’re actually paying more tax, like they’re actually getting more money out of the company, paying a higher tax rate to do so, even though they don’t need it. So right there, easy fix, right? You’re taking more out than you need. They’re also taking it out as a dividend. So I was like, well, at least if you’re taking out 140 and you don’t need 140, then like, are you filling up the RRSP? And the answer was no, they’re taking dividends. So they weren’t getting any RRSP room.

And therefore, they didn’t really even have that option. So right away, it’s like, well, an easy move is like, let’s take less out of the company unless you are seriously going to leave Canada. And in that regard, then I would say maybe you need to take a little bit more out. Ultimately, when the conversation evolved, turns out that literally they’re thinking of leaving. They don’t even know necessarily where they want to go, but they’ve highlighted some of the

lower no tax places, know, Dubai, ⁓ you know, Bahamas, Panama, like name them. That’s fantastic. They want to go there, but they have family here. And really it sounds like this is only tax motivated. And therefore I’m like, I wonder if there’s some, you know, leavers that we can pull. So we talked about one, but today we’re going to dig into some others that are huge tax issues for this individual couple.

Yeah, and what would you say is the real tax issue here? Clearly they’re paying themselves through dividend to try to minimize the tax there, but are they worried about capital gains at the end and just liquidating everything and losing half? Or are they worried more about legacy? they saying, ⁓ half my assets are gonna go to my…

When I have, let’s say, $5 million of assets, the day I die, it becomes 2.5 million, right? Because it’s like, it’s all going to taxes. Was that the issue? Where’s the real issue here that makes you wanna leave Canada? Because it sounds like they’re living a comfortable lifestyle based off what they’re doing. So where’s the problem here?

Yeah, yeah. And I would say, honestly, think one of the biggest motivators based on the conversation we had, it was a very lengthy conversation, a great conversation, very productive, was around how much tax they’re paying every year currently. And then, really, like, I think, ultimately, like, the conclusion we come to as humans would be like, if it’s that bad now, it’s only going to keep getting worse, right? Like, we, you know, we’re going to lean on that side of things. And

Sure. totally get it. Like you’re like, man, that’s a lot in tax that you know, you’re, you’re actually dealing with right now. So it’s not just the 140 and 140 that they’re dealing with because again, now there’s some tax in the corporation, right? So they’re paying the low, you know, the, the small business tax amount at 12.2 % if they’re on Ontario, anywhere from nine to 12.2 % depending on the province. So like that, it still adds up though, right? Like they see

Yeah, there’s corporate tanks.

When you have a few hundred, $300,000 of net operating income every year, that still adds up to a big enough bill. So you see what you’re paying personally, you see what you’re paying corporately, you go, this is a lot, but here’s the doozy, okay? Inside the business or inside the corporation and the holding company, they have a brokerage account, they have 600,000 of retained earnings, and they have a brokerage account that is 700,000. So there’s about $100,000 capital gain so far.

on that account. Now that brokerage account is producing dividends and interest as well. So they’re paying a high amount of passive income tax. Now keep in mind they are taking dividends currently. So for those people who are like, you know, you know, writing this down and carrying the one and doing all that stuff here, keep in mind like the company is going to get some of that 50 % passive income tax back.

because they’re taking some money out as a dividend and they’re experiencing at a personal level. So right there, there is some tax. Again, they’re taking too much money, it sounds like, than they really need. So that’s unnecessary. And it’s of course unnecessary for us to produce a significant amount of passive income inside the corporation. So one easy fix there that we could do is that if they don’t require that income currently, like,

we could transition some of the brokerage account into more capital gain producing growth investments or just corporate class ETFs that are going to keep those dividends and interests working within the wrapper so that the corporation isn’t actually experiencing the high passive income tax each and every year.

Got it, got it. All right, so what was, so when we were having this conversation, what did you unpack for them as some of the next moves here after thinking about that and thinking about like, because I think it’s like one of the mindsets I think we’re taking is, and we said this at the beginning of the episode, is to think it’s not Canada the issue, it’s the structure you currently have as the issue. So what were some of those next steps for these people specifically to help them in a way stay?

Yeah. And I mean, there’s some people though, John, that just disagree with your statement because like, yeah, like our tax system is an issue. Like that is true, but it doesn’t have to be this bad. Now here’s the crazy part, John. We’re not even at like the real issue yet. Like we’re going to talk about the doozy of an issue that we haven’t even gotten to yet. Cause I’m like, okay, there’s some like tax drag going on here. Like we can fix this. The big challenges in this conversation. Basically I turned into this mode of like, let’s pretend for a second that you’re staying.

Sure. because I can’t help you defer more tax if you’re gonna rip the bandaid off in two years. Like I don’t want to do that because it’s just, you’re just gonna rip the bandaid off then, you might as well slowly rip the bandaid off now, which is kind of what they’re doing. But they’re experiencing higher tax rates. So I said, listen, if you were gonna stay, right, the 140 each that you’re taking, first of all, we should adjust it to what you really need for your lifestyle. But then secondly, you should probably consider

Right. moving towards the actual ⁓ salary so that you guys can actually take some of that money and put it in the RSP. If you’re going to stick around, the RSP is not the end of the world and we’ll talk about this as to why a little later. Sure, it can be a problem if it gets way too big and if you have way too many other assets. Like the RSP is perfect for someone whose biggest asset other than their primary residence is the RSP. ⁓

But for anyone who has other assets, can become problematic if it gets too big, right? Again, good problems to have, but just trying to think about how we can be as efficient as possible. So that was one transition we could make. When we went outside of the corporate structure, I was asking them, you know, like, what else do you have going on?

So they own a primary home. It’s worth a couple million dollars, no mortgage on it. They home in the US that we’re gonna approximate to be about $800,000 in Canadian dollars. So they’ve got, that’s an asset that is gonna be capital gain generating at some point. They’ve got an RSP with 700 in it. So they have used the RSP in the past. They’ve got 100,000 in the tax-free savings account.

⁓ a couple investments that didn’t go so well. So they actually did maximize the usage of the account, but the value of that account actually has decreased due to certain investments that they’ve made over time. So again, we don’t talk about that a lot on the show, but sometimes we lose an investment and that’s really important for people to understand when they’re looking at their risk profile. but here’s the big one. Their non registered account brokerage account has

about $3 million of value and the adjusted cost basis is about $1.5 million. So they have this large non-registered brokerage account and get this, they are generating about $500,000 to $600,000 of income off of all three accounts, RRSP, tax-free savings account, but of course the majority, 75 % of that income is in the non-registered account.

which is obviously creating quite a bit of tax. Exactly. Exactly. So right here, we realize why you want to leave Canada and why I would want to leave Canada is if I’m producing that much income and I’m paying at my personal level on that income. Now, we’ll talk a little bit more about numbers there, but this is a big issue. And again, and they’re still paying themselves the dividend from the business.

If I don’t require that income, there are moves that we can make to stop producing that income so that at least we are going to defer off the tax so that we’re not creating such a high tax drag on the growth. Like the number they gave me, and I’m going to use these numbers, but then we’re going to talk about more conservative numbers in some, in some of what we’ll look at in a spreadsheet in just a moment. But they had said an average of 15 % per year was the number.

Now, how long has that happened? Is it like over just the past couple of years? Like I have no idea what’s going on, but to me that seems extreme, especially if they’re generating so much interest and dividends off of that amount. But we’ll use that number for now because that’s what they had quoted me. And we can look at that and go like that 15%, if they’re generating that much income that’s getting added to their personal level, they are losing half of it.

and they’re only getting to compound seven and a half percent. Whereas if they were able to offset paying the tax on that 15 % then they would get the full compounding effect and they wouldn’t realize any taxes on it until they realized a capital gain. So there’s a massive, massive move that can be made just by simply understanding the tax system.

and then deciding what investments should go where so that I can minimize how much I’m going to pay each and every year.

So their thinking then is if I need to figure out is if me taking a tax hit now by withdrawing everything and moving countries where I don’t pay income tax, then I reset up my system over there. And then therefore the gains made from year to year to year to year would vastly create a bigger legacy, a bigger lifestyle for me now. And I don’t have to pay the government all this money.

So that’s the question they’re battling, is like, what’s the tax hit now to like exit and do this somewhere else, or is it better to stay here and just restructure? And what are the moves to restructure to actually pay less tax and keep more of it in my pocket? Okay.

100 % 100 % so you know again it seems to me like and again there can be some tax to pay over time if they’re restructuring investments right so you might not do it all in one year you know but ultimately the sooner we can do this restructuring the better that they can do but let’s pretend for a second that they just rip the band-aid off okay I’ve got their net worth ⁓ at somewhere around like seven seven point three million dollars

And when we ran the numbers on how much they would pay in capital gains tax and how much it would cost them to let’s say like sell their home, you’re gonna lose 5 % to realtor fees and so forth. And then there’s gonna be obviously moving costs and all kinds of other things that we can’t even factor in. Yeah, like they’re gonna lose about a million dollars of net worth in order to like do the whole fire sale, move and get out, right?

Sure. Seems small though. 

Right, okay, so that seems like a lot all of a sudden. That’s a good chunk, right? Like when you’re losing. But now I’m gonna compound the six million.

Exactly. Exactly. So now I can compound 6 million and I can technically do it, you know, tax tax free, depending on the juror jurisdiction I go to. and the other part that I think is like a hidden costs, that’s so hard to find. It’s kind of like when you compare owning your own home to renting, like it’s always like, well, if I own my own home, you know, then I’ve got an investment. It’s better than renting when in reality it’s like, but did you factor in all the extra costs? So for example, if I move to

you know, another country, if I moved to Dubai, like, what does that look like from like a health medical standpoint? Like, does that cost money? I’m not sure I haven’t done the research there, but you really have to do the math to try to figure it out right here. We see just from leaving, we’re going to lose about a million, lose about one seventh of the net worth, and then they can kind of grow it from there. But what are the other costs that they might experience? That’s a really important thing for us to think about now.

If we restructured though, and we thought about this another way, and I’m going to make a couple of assumptions here, and I’m going to assume like, let’s say that they actually wanted or needed that 140 that they each need. And like, think about like how this can be done. First of all, we’ve already talked about if we reshift some of the investments around into capital gain assets, that can be really helpful. Um, but they could ultimately like start draining out. Like if we just start with the RRSP.

Right. and we use the 4 % rule as a starting point. Like a lot of people are like, well, what’s the right move to take out of my RSP? Like we can run all kinds of in-depth simulations to try to figure this out. But if we just use a rule of thumb that they’ve got around 700,000 or so in the RSP and you take 4 % ish of it, I’m gonna call it $60,000 out of the RSP, you’re gonna get taxed at a personal rate on $60,000. Okay, there’s some tax there, I get that.

But then if we use the other buckets, specifically this non-registered account to top things up, when you pull money out of the non-registered account by selling some of the capital gain assets, you’re going to get half of the capital gain tax free. You’re also going to pay out whatever your tax bracket is on the other 50%, which is still pretty low because they’re only taking $60,000 each. And the other part is, is that you actually get

heart of the adjusted cost basis out. So said another way because it’s worth 3 million that bucket and 1.5 million represents the adjusted cost basis or the amount of money that you actually invested after tax. Every dollar you pull out as a capital gain, you get a dollar back for free. So when you actually put all this together,

you can pull out about $112,000 after tax, which is gonna be equivalent to what they had when they were taking 140, without paying a significant amount of tax. If right now they’re paying, I think 180 in taxes, just out of that one bucket with their income and their non-registered account, they’re paying like close to $200,000 a year on that money.

So if we restructure this, instead of just taking 140 as a dividend out of the corporation each and every year for each individual, let’s pretend for a second that we just like retired today. We retired today, we stopped working in the business. I’m not even gonna worry about what the business is worth, whether I can sell it, whether it’s gonna keep producing income or not. We can use the 4 % rule to easily take out about $30,000 from the RSP for each individual spouse.

And then from there, we can actually take out a good chunk out of our non-registered account because when I take money out of the non-registered account, I get some capital gain and I get some of the adjusted cost basis out. You’ll notice that the numbers are 50-50 right now. That’s the ratio of money we put into money in total.

What we can do is we can actually for every dollar we pull out or every two dollars we pull out one is going to be completely just a return of capital the other dollar we only pay tax on half of it. So that multiplies very quickly where basically we can show about $55,000 of taxable income for both spouses except they’ve got $75,000 of tax exempt income on top of it and therefore they’re only going to be paying about

8,000 or so, eight to 12,000 depending in taxes on each spouse, leaving them with an after tax cashflow of about $120,000 each. And based on what they have now, they only have an after tax cashflow need of somewhere around 105 to 110. So they’ve actually got access or excess cashflow coming out to them.

while paying significantly less in taxes before they were paying 180 to $200,000 in taxes unnecessarily. And now they get to pay a combined, call it 20, 24,000 between the two of them. And they get to see these assets continue to grow tax deferred for the remainder of their lifetime.

And that was the move of moving from dividend paying equities into non-dividend paying equities and therefore just taking the capital gain.

Exactly, exactly. Now, you know, that doesn’t address the issue that, listen, they’re approaching retirement. They may not want to have everything into equities, right? Like they’re already in a lot of fixed income things across their portfolio, which means they might not have this appetite for risk. Well, that’s a perfect opportunity for a way to set up an even better strategy inside that corporation. We’ve got $700,000 in a brokerage account.

Right. producing unnecessary passive income taxes and they want to have a little bit of safety. That’s a great opportunity for them to utilize those dollars to build a corporate owned high early cash value life insurance policy to replace the unnecessary tax drag fixed income that they’ve been producing inside that bucket and as a bonus they get obviously the leverage ability of the policy. They get the consistency of it. They get

essentially the no volatility growth of that policy tax free, as well as a estate benefit to try to funnel out more than the retained earnings out to shareholders down the road, which acts as a great tool to offset some of the other capital gains that will unfortunately be triggered down the road when we either sell or hopefully when we’re 110 pass on and pass on those assets to others in our family.

Got it, got it. So how did this shape out with them? You unpacked these ideas, you unpacked these strategies, these are the moves you could be making to save yourself tax here. Was there any epiphanies that they were like, my gosh, that’s a move I definitely wanna make.

Yeah, well, you know what? We actually have a follow up call coming up. So I’ve done all this work sort of after that initial call. So we still are going to be presenting some of these ideas. We talked about them at a high level, but I wasn’t convinced that it was like clear on where these savings can be done, which is why we wanted to go down this rabbit hole. And you know what we’ve done is we’ve actually run a little bit of, you know, ⁓ a comparison here.

If we were looking at like a 75 % equity or growth and 25 % fixed income like portfolio, and we were to look at that over time, we wanted to maintain that with a 15 % rate of return, which again, I think is high. We can look at this and we can see that, you know, we’ve got essentially the opportunity to build with ⁓ that bucket in the corporation, a great fixed income bucket.

which is going to allow them to continue growing in a more tax efficient manner than if they did not set up a strategy like that. Now, if we compare this scenario over to what would happen if they took the money and left Canada and they just grew it at 15%, what you’re gonna notice on a 75-25 breakdown that we’ve shown here in Canada utilizing our tax efficient approach,

⁓ to the tax free approach, but starting with a million dollars less than they would have in liquid net worth. So there’s the key as well is that we’re only reinvesting the liquid net worth. You’ll notice that they started in Canada with a total of about 4.7 million in liquid net worth. Over here, we’ve got 3.3 ish million after all those expenses, capital gains and moving costs. And what you’re gonna notice,

is that even if they get that 15 % per year ongoing, and we’re not talking about pulling any money out, we’re not looking at, you know, how that would affect things just a comparison apples to apples, you’ll see that leaving versus staying is actually losing quite significantly over time because we’re starting with such a bigger pile of liquid net worth in Canada than we are when we move that actually that tax drag is actually going to

be a benefit or I should say the lack of tax drag by fixing our assets and where the buckets exist is actually going to leave you well in the dust in the other jurisdiction. Now, one nuance is, is that we do still have to pay tax on these amounts. So you’ll see this bucket growing here in Canada. There is tax to be paid there. However, we have strategies because our fixed income portion of that bucket is going to be replaced with

Right. corporate-owned life insurance policy in order to replicate that 25 % and therefore we’re going to have leverage strategies which are also tax-free as well as a final payout strategy down the road which will also be tax-free and help to mitigate other capital gains risks. So what I would say is that if you’re planning on leaving Canada specifically because of taxes and no other reason

You definitely want to be reconsidering and making sure that you are well optimized and that you’re actually just not experiencing unnecessary tax drag. It happens all the time. That’s a lot of work to pick up your entire life and move to another country because of unnecessary tax drag. Now, if you want to go to Dubai because you like the weather or you like the desert or you enjoy camels or whatever it is that you want to do to go to Dubai, then by all means,

you know, have at her. But the big piece here is that you don’t want to be motivated to completely pick up your entire life due to unnecessary tax drag and then actually find yourself in a worse position than you were before you left or could have been before you left here in Canada.

Right, right, like, so the reason here is it might not necessarily be, you know, the taxes is what you’re saying. Like, you need to look at your situation. It could be just because you have bad income architecture. And what you need then is you need to analyze that or have someone help you analyze that situation like you’ve done with them because now they have the strategies that allow them to make a clearer choice. It wasn’t like there’s a hole in your thinking.

and let’s just make sure that we clear up that hole so that you can make a better choice for yourself. And that’s an important aspect of what you’ve done here. And this is an important aspect. What we all need to do is we have these thoughts about where are we optimizing for minimizing taxes with our current situation. And it’s different for everyone. It’s different for them. And the way that they had structured it, they thought, hey, I’m gonna make sure that I do it this way because that’s the way I thought about it earlier in my career.

and it’s gonna make sense moving forward. It’s gonna shift. And therefore, the architecture should change along with that. And you need sometimes that outside eyes to help you see what strategies you’ve been missing. So the idea is fix the structure first, which can help fix your tax, and then you can make appropriate decisions around where you wanna go or what you wanna do with the remaining funds or with your lifestyle. You know, when you think about our force,

pillars are four stages of a healthy financial planning system. You know, we’re talking about the third stage here, which is for us, the optimizing and the structure of the way that we structure your plan moving forward. You talked about having a high early cash value life insurance policy as a core base here inside the corporation to allow some liquidity, but also some stability and then restructuring specifically on how to think about capital gains versus

passive income, so there’s some moves there to be made and those are some of the special moves that we want to be thinking about when we’re thinking about that third stage of our planning system.

Yeah, and I think it’s really important to note that, you know, why we do what we do here. Like if you’re new to the podcast or new to Canadian Well Secrets, know, John and I are entrepreneurs that found ourselves battling these same questions. So we’ve done these types of analysis for our own situation time and time again. And here’s the crazy part. We still learn something new each and every day, right? Like you’re never going to be done this work because optimizing is that like constant

goal of getting better and better. And that’s what we’re doing here. And that’s what we’re hoping to provide you as the Canadian wealth secrets community. So if you’re interested in reaching out, you want us to look at your situation, make, make sure things are tidy, things are tat, you know, nice and tight. Definitely book a call over at Canadian wealth secrets.com forward slash discovery. And you can grab a spot in our calendar so that we can chat with you real soon.

If you’re just curious to get a general sense of where things are going well for you in all four stages and where you can improve, you can head on over to Canadian wealth secrets.com forward slash pathways, and you will get a great assessment to your inbox.

Just a reminder of the content you heard here today is for informational purposes only. Should access to any such information or other material as legal tax investment, financial or other advice. Kyle Pierce is a licensed life and accident and sickness insurance agent and the president of corporate wealth management at Canadian Wealth Secrets.

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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