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PODCAST

Canadian Wealth Secrets

Kyle Pearce, Jon Orr

Are you wondering whether your financial plan is going to lead to that wealthy Canadian lifestyle you envision for your future?Over the last 5 years, former mathematics teachers and serial entrepreneurs Kyle Pearce and Jon Orr have been implementing alternative wealth building and income tax strategies that have allowed them to transition from high net income to high net worth.Now, they seek to share these Canadian Wealth Secrets to empower the creation of a financial future that allows you to live

business investing

All Episodes

18:30

Why Your Holding Company Will Be Double-Taxed in...

Canadian Wealth Secrets ·

2024/10/11

Are you unknowingly setting yourself up to lose over 70% of the wealth you built up through capital gains in your Canadian holding company?Many incorporated business owners are unaware of a significant tax trap lurking in their corporate structures, especially those with holding companies in Canada. Without proper tax planning, your estate could face double taxation—meaning you pay taxes on the capital gain of your assets inside the company, and then your estate pays tax again on the transfer...

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33:51

Why You Shouldn’t Pay Off Your Mortgage (what you...

Canadian Wealth Secrets ·

2024/10/09

Should you pay off your mortgage? Is paying off your personal mortgage early truly the best financial move you can make? If you do, then it’s possible you will miss out on other wealth-building opportunities.In this episode, Kyle Pearce and Jon Orr explore a dilemma many homeowners face: Should you focus on paying off your mortgage early for peace of mind, or use those extra funds for strategic investments that could grow your wealth? They delve into using whole life insurance policies a...

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16:27

Should You Refinance Investment Properties to Pay...

Canadian Wealth Secrets ·

2024/10/04

Have you ever wondered how you can refinance your real estate and tap into the hidden equity to build wealth while minimizing taxes?In today's real estate market, many property owners are sitting on significant untapped potential in their investment properties. Whether you're facing rising mortgage rates or simply looking to accelerate your wealth-building journey, learning how to strategically refinance and leverage your assets can be the key to unlocking financial freedom. The challenge is ...

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35:33

Two Barriers Preventing You From Reaching Financial...

Canadian Wealth Secrets ·

2024/10/02

You may not ever reach financial independence, listen in to find out why and what you can do to change your trajectory.In today's fast-paced financial landscape, many business owners, entrepreneurs, and high net income earners delay taking steps toward financial independence because they feel uncertain or worry about making the wrong move. If you've ever found yourself waiting for the perfect investment opportunity or hesitating because you feel like you don't know enough, you're not alone. T...

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24:39

Find Your Comfort Number to Get Started and Factors...

Canadian Wealth Secrets ·

2024/09/27

How can you create an opportunity fund for your investment strategy NOW while strengthening your foundational “net worth” floor? In today’s episode, we break down how you can start with an affordable, manageable high cash value permanent whole life policy, and use it to create long-term cash flow for future investments. Whether you're looking to diversify your portfolio or prepare your corporation for a smoother financial future, this episode guides you through leveraging permanent insur...

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41:28

Incorporating Your Company in Canada: 5 Questions...

Canadian Wealth Secrets ·

2024/09/25

When should you incorporate your business in Canada?Are you confident that your business structure is optimized for growth, tax efficiency, and liability protection?In today's complex financial landscape, the decision to incorporate your business in Canada can be daunting. This episode of Canadian Wealth Secrets dives deep into the critical considerations you need to weigh before making that move. Kyle and Jon guide you through the potential benefits and pitfalls of incorporation, addressing ...

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19:09

The Wealth Dilemma: Pay Off Debt or Save on Taxes?...

Canadian Wealth Secrets ·

2024/09/20

Are you looking to minimize your taxes while maximizing your wealth, but feeling stuck between conflicting financial priorities?In today’s financial landscape, many professionals and business owners find themselves juggling multiple goals — building wealth, managing debt, and minimizing taxes. With inflation, interest rates, and tax obligations pulling you in different directions, making the right decision can feel overwhelming. This episode dives deep into a real-life case study, explor...

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27:25

Do You Have a Retirement Plan or Retirement Prayer?

Canadian Wealth Secrets ·

2024/09/18

Are you prepared for a financially secure retirement, or are you leaving your future to chance?In this episode of the Canadian Wealth Secrets podcast, Jon Orr and Kyle Pearce delve into the crucial steps needed to achieve financial independence and secure your retirement. They explore your FIRE (Financially Independent Retire Early) number or FIRN (Financially Independent Retirement Number). Whether you're just starting your financial journey or are close to retirement, their insights will help

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28:42

The Canadian Passive Income Tax Trap: The Problem...

Canadian Wealth Secrets ·

2024/09/13

Are you an incorporated business owner paying the high investment income tax rates on your corporate held assets like high-yield savings, GICs, dividend stocks or real estate rental income?In this episode, we take a deep dive into the often-overlooked issue of passive income tax for incorporated business owners. Many incorporated entrepreneurs and investors find themselves unexpectedly giving away over 50% of the passive income they earn compared to the much lower active business income tax r...

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32:45

Do I Need Life Insurance If I’ve Achieved Financial...

Canadian Wealth Secrets ·

2024/09/11

Should you cancel your safety net structures like life insurance or disability when you reach your financial independence and are ready to retire early? This question is addressed when you consider how to balance your immediate financial needs with long-term wealth-building goals. Many people face the difficult challenge of managing both short-term expenses and long-term financial aspirations. In this episode, Jon and Kyle delve into strategies that help you strike the perfect balance between living

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22:12

When It Doesn't Make Sense for a Business Owner to...

Canadian Wealth Secrets ·

2024/09/06

Are you making the most out of your RRSP investments as a business owner, or is there a better way to secure your financial future?In this episode, we tackle the critical question of whether your current investment strategy is truly aligned with your long-term goals. If you've been contributing to an RRSP as a business owner, but you're unsure if it's the best approach, this discussion is for you. We explore alternative strategies, like using participating whole life insurance, that might off...

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27:51

Misconceptions with The Smith Maneuver: What You Need...

Canadian Wealth Secrets ·

2024/09/04

Are you leveraging your home equity to its fullest potential, or are you leaving valuable financial opportunities on the table?In today’s challenging financial landscape, finding ways to build wealth while managing debt is a priority for many. This episode dives deep into the Smith Maneuver and other wealth-building strategies that could be the key to optimizing your financial future. Whether you're looking to reduce mortgage interest, invest wisely, or create a flexible financial safety net,

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21:48

What Does The Insurance Company Do with my Premiums?...

Canadian Wealth Secrets ·

2024/08/30

Are you leaving money on the table by not maximizing your corporate-owned or personal life insurance policy?If you've ever wondered where your money goes once it's in a life insurance policy or how to use these policies to your advantage, this episode is for you. We'll break down the complexities and show you how to turn your insurance policy into a powerful financial tool, offering insights that could make a significant impact on your financial future.Many business owners are focused on grow...

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30:59

3 Reasons The Wealthy Avoid Paying Down Debt

Canadian Wealth Secrets ·

2024/08/28

Are you using debt as a tool to build wealth, or is it holding you back from financial freedom?In this episode of the Canadian Wealth Secrets Podcast, Jon Orr and Kyle Pearce dive into the complexities of personal debt and corporate debt and how it affects your financial freedom decisions. They tackle the critical distinction between 'good debt' and 'bad debt' and explore how each can either hinder or enhance your journey to wealth. With inflation and rising interest rates

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12:19

Why You Need To Re-Consider How You Are Using Your...

Canadian Wealth Secrets ·

2024/08/23

Are you making the most of your corporation’s retained earnings, or are you missing out on tax-saving opportunities using your capital dividend account?In this episode of Canadian Wealth Secrets, Kyle Pearce tackles a crucial topic for business owners: how to strategically use life insurance within your corporation and its capital dividend account to maximize tax efficiency and grow wealth. With the complexities of corporate taxes and the need for smart estate planning, understanding how to l...

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26:22

Why the Capital Gains Tax Increase in Canada Isn’t...

Canadian Wealth Secrets ·

2024/08/21

Does the increase in Canadian capital gains tax inclusion rate rolled out by the Liberal government have you wondering how this change will affect your investments and overall net worth?In this episode Canadian Wealth Secrets, we address the most common misconceptions related to Canadian capital gains tax inclusion rates and we unpack the recent increase to Canadian capital gains inclusion rates - having increased from 50% to 67% for personal capital gains over $250,000 and all corporate capital

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16:15

What Should A Good Financial Advisor Charge To Manage...

Canadian Wealth Secrets ·

2024/08/16

Are you paying too much in investment fees and wondering how to optimize your investment portfolio? Are you unsure what a good financial advisor should be charging you or even how to choose a wealth manager? Discover how to lower your costs and maximize your returns in this episode!In this episode, Kyle Pearce from Canadian Wealth Secrets addresses common concerns about investment fees and financial planning and wealth management. Many investors struggle with the high costs associated wi...

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42:17

The Smith Maneuver Explained: A Case Study On...

Canadian Wealth Secrets ·

2024/08/14

Are you tired of high mortgage interest rates eating into your savings? Discover how the Smith Maneuver could turn your biggest expense into a powerful investment strategy!In this episode, hosts Jon Orr and Kyle Pearce unpack a real case study to dive deep into the Smith Maneuver, a financial strategy that aims to convert non-deductible mortgage interest into tax-deductible interest. If you're a homeowner struggling with high-interest rates or looking for ways to optimize your taxes, this

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26:49

Solving Your Retained Earnings Tax Problem |...

Canadian Wealth Secrets ·

2024/08/09

Are you struggling to navigate the complex world of corporate tax strategies and maximize your business's retained earnings?In today's challenging financial landscape, many business owners face the dilemma of how to efficiently manage and grow their retained earnings while minimizing tax liabilities. This episode of Canadian Wealth Secrets dives deep into a common yet intricate issue: leveraging permanent life insurance policies to solve the retained earnings tax problem. Whether you're a sea...

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32:23

Who SHOULDN'T Buy A Permanent Life Insurance Policy

Canadian Wealth Secrets ·

2024/08/07

Is a permanent life insurance policy right for you? Have you filled all of your tax sheltered buckets like RRSPs and TFSAs? Are you maximizing the benefits of life insurance in your wealth management strategy?In this episode of the Canadian Wealth Secrets podcast, Kyle and Jon delve into the complexities of permanent life insurance and term insurance, shedding light on common misconceptions and providing actionable insights. Many individuals and business owners struggle with determining the right

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