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PODCAST

Retirement Straight Talk With Paul & William

West End Wealth Planning

Welcome to Retirement Straight Talk with hosts Paul & William Barreca. A retirement planning podcast for Canadians who want to spend more and pay less in taxes.Paul is an award winning Wealth Advisor at West End Wealth Planning, IPC Securities Corporation, and celebrated radio personality, most recently as host of the Sunday Money Show on Newstalk 1010.William adds a fresh perspective to Paul"s more than 3 decades of experience.In this podcast, we will break down and simplify complex retirement

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All Episodes

31:00

Popular Investing Beliefs That Just Aren’t True (Part...

Retirement Straight Talk With Paul & William ·

2025/12/16

Take control of your retirement & get started with a complimentary retirement assessment: https://calendly.com/westendwealth/introcall?back=1&month=2026-01In Part 2 of our “Investing Myths” series, William and Paul Barreca return to tackle seven more common (and costly) investing myths — this time focused on portfolio construction, diversification, and so-called “safe” investments.These are the myths that trip people up after they’ve started investing — often without realizing it.💡 In this

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31:13

Popular Investing Beliefs that Just Aren't True -...

Retirement Straight Talk With Paul & William ·

2025/12/02

Take control of your retirement & get started with a complimentary retirement assessment: https://calendly.com/westendwealth/introcallIn this first episode of a special 2-part series, Paul and William Barreca debunk the most persistent investing myths. From market timing and volatility fears to the belief that cash is "safer," they break down 6 out of 13 myths using real numbers, client stories, and behavioural finance insights.If you’ve ever felt uncertain about when or how to invest… this

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32:26

How to Create Your Journey to Wealth & Freedom with...

Retirement Straight Talk With Paul & William ·

2025/11/17

Ready to retire with confidence? Book your free retirement assessment: https://calendly.com/westendwealth/introcallIn this special guest episode of Retirement Straight Talk, William and Paul Barreca welcome entrepreneur, wealth advisor, and IPC co-founder Chris Reynolds to share insights from his new book, The Six Circle Strategy.After 30+ years helping business owners build, grow, and exit successfully, Chris has distilled his experience into a practical, powerful framework for aligning your

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26:45

Ten Lessons Paul Has Learned in 35 Years (Part Two)

Retirement Straight Talk With Paul & William ·

2025/11/04

What does 35 years in financial planning really teach you?In Part 2 of this special Retirement Straight Talk series, Paul and William Barreca share the final five lessons from Paul’s 35-year career helping Canadians plan smarter, invest better, and avoid the mistakes that derail financial freedom.🎯 In this episode, you'll learn:Why the basics of wealth-building still work (but most people ignore them)The real reason you need insurance, and how to view it differentlyWhy your portfolio is not your

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25:46

Ten Lessons Paul Has Learned in 35 Years (Part One)

Retirement Straight Talk With Paul & William ·

2025/10/21

What do 35 years in the wealth planning business teach you?After over three decades in the wealth planning business, Paul has seen just about everything.In Part 1 of this special 2-part series, Paul Barreca shares the first five timeless truths he’s learned from decades of helping clients plan, invest, and navigate financial decisions.This is a candid conversation about the real lessons that matter. The ones that help you protect your freedom, control your outcomes, and keep your financial life

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28:22

Where to Pull Your Money Out in Retirement: How to...

Retirement Straight Talk With Paul & William ·

2025/10/07

You saved, invested, and planned, but now comes the real question: How do you actually use your money in retirement?In this episode of Retirement Straight Talk, William and Paul break down the often-overlooked - but critical - concept of income sequencing: the order you draw from accounts like RRSPs, CPP, TFSAs, pensions, and corporate assets in retirement.You’ll learn:• A 5-step framework to build your personalized drawdown plan• The risks of generic advice (like “always delay CPP”)• Why RRIF

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28:32

Joint Ownership With Your Kids: Estate Planning...

Retirement Straight Talk With Paul & William ·

2025/09/23

Thinking of adding your child to the ownership of your home, bank accounts, or investments to “make things easier”? This common estate planning shortcut could cost your family far more than you realize. In this episode of Retirement Straight Talk, William and Paul dive into: • What joint ownership really means (and why it's often misunderstood) • When it works and when it can cause major tax and legal issues • The surprising risk of losing control of your home • Real-life stories of family

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30:13

How to Choose A Financial Advisor And Not Get Burned

Retirement Straight Talk With Paul & William ·

2025/09/09

Not all advisors are created equal and picking the wrong one can cost you far more than a few bad investments. In this episode of Retirement Straight Talk, Paul and William break down what real financial advice should look like, how compensation models shape recommendations, and the red flags that should have you walking away. 🧠 What you’ll learn: • When you actually need an advisor (and when you don’t) • What good advisors really do (it’s more than returns) • Types of advisors & how they

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32:33

6 Retirement Risks That Could Derail Your Plans (And...

Retirement Straight Talk With Paul & William ·

2025/08/26

Retirement isn’t just about saving enough. It’s about avoiding the hidden risks that can quietly undo everything you’ve built.In this episode of Retirement Straight Talk, Paul and William unpack 6 retirement risks most Canadians miss and how to plan smarter so you can protect your freedom and peace of mind. What you’ll learn:• Why taxes may rise, not fall, in retirement - and what you can do about it• Why dividends can mislead you• Market timing almost always backfires• How playing it “safe” too

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22:56

Six Ways Your Business Can Fail

Retirement Straight Talk With Paul & William ·

2025/08/12

Businesses rarely fail for lack of ambition. More often, it’s the hidden gaps in strategy that quietly lead to their downfall.In this episode, William and Paul share six strategic reasons even successful businesses fail. Plus, the two often-overlooked personal traits that can make or break you over the long run.You’ll learn:✅ The 6 most common strategic gaps that quietly put businesses at risk✅ Why passion and persistence matter just as much as your business plan✅ How to protect both your company

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16:16

The Best Age to Take CPP (And What Most Canadians Get...

Retirement Straight Talk With Paul & William ·

2025/07/30

You’ve seen it on your paycheque your whole life - Canada Pension Plan (CPP). But when it comes to actually drawing on it, the decision is far from simple. In this episode of Retirement Straight Talk, William and Paul break down everything you need to know about CPP: • What it is, how it works, and when you can start collecting • How timing affects your monthly income • Why most Canadians take it too early (and what it costs them) • Real-life factors to consider before you make a move • Why

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26:23

How Your Brain Can Sabotage Your Portfolio (And What...

Retirement Straight Talk With Paul & William ·

2025/07/15

Are you your own worst investing enemy?In this episode, Paul and William explore the surprising ways investor behaviour - more than market performance or stock selection - can hurt long-term returns. From caveman instincts to market headlines that trigger emotional decisions, this episode will help you understand:• Why you're wired to react emotionally—and how that costs you.• How major events like COVID-19 and the Ukraine / Russia war triggered poor investor timing.• The top 3 behavioural biases

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20:26

Will Your Retirement Plan Survive a Market Crash? How...

Retirement Straight Talk With Paul & William ·

2025/07/03

In this episode of Retirement Straight Talk, Paul and William unpack the one question every retiree and near-retiree should be asking: Is your retirement income plan built to withstand market volatility, inflation, and unexpected life events?They break down why most plans fall short: linear assumptions, outdated numbers, and lack of stress testing. Plus, dive in to how tools like Monte Carlo analysis can help you build a plan that’s actually resilient. From understanding the sequence of returns risk

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21:50

The Silent Threat to Your Family’s Financial Future

Retirement Straight Talk With Paul & William ·

2025/06/17

Most people avoid the topic of estate planning until it is too late, especially when it comes to their parents' affairs.But failing to have this conversation can lead to family conflict, avoidable taxes, and costly legal messes.In this episode, we tackle one of the most overlooked responsibilities of Gen X: helping your parents get their estate plan in order.We break down the most common mistakes, such as outdated wills, joint accounts gone wrong, poor executor choices, and unequal inheritances that

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23:30

The Ultimate RESP Guide

Retirement Straight Talk With Paul & William ·

2025/06/03

Funding a child’s education is one of the biggest financial goals for Canadian families. And the Registered Education Savings Plan (RESP) is best tool to get there.In this episode, Paul and William break down everything you need to know about RESPs. This episode will help you avoid costly RESP mistakes and take full advantage of this powerful, tax-efficient account.What You’ll Learn:✔️ The amazing tax benefits of RESPs✔️ How to earn $7,200 in free government grants✔️ Why group or scholarship RESPs

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26:48

How to Exit Your Business Without Losing a Fortune to...

Retirement Straight Talk With Paul & William ·

2025/05/20

Thinking about selling your business? Passing it on to the kids? Or just want to make sure you’re not leaving money (or a giant tax bill) on the table? This week, Paul and William walk through the smart steps every business owner should take before exiting their business. They cover: - Why most family business transitions fail (and how to avoid it) - How to use the lifetime capital gains exemption and potentially save millions in tax- What an “estate freeze” is and how it helps pass the business to

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28:21

The Most Common Estate Planning Mistakes (and How to...

Retirement Straight Talk With Paul & William ·

2025/05/06

Could your estate plan cost your family money and stress? This week, Paul and William talk with Jandy John, Estate and Trust Director at Concentra Trust, about common estate planning errors. You’ll learn: - How to properly choose your executor - The hidden traps of joint accounts and beneficiary designations - Why clear communication can save your family from conflict - Essential estate planning strategies for business owners - How to manage digital assets in your estate Resources:📥Free Download:

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27:49

7 Tax and Retirement Planning Strategies Every...

Retirement Straight Talk With Paul & William ·

2025/04/22

Running a business takes everything you’ve got—but if you’re not also planning for the future, you could be leaving serious money on the table. This week, Paul and William break down seven essential (and often missed) tax and retirement strategies tailored specifically for incorporated Canadian business owners. You’ll learn: ✅ How to structure your compensation to keep more money in your pocket ✅ Why many business owners misunderstand RRSPs—and what that mistake could cost ✅ A powerful retirement

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27:36

10 Realities About the Stock Market You Can't Afford...

Retirement Straight Talk With Paul & William ·

2025/04/08

This week, Paul & William break down ten essential truths about investing, simplifying complex financial concepts into clear, actionable insights.This episode cuts through common myths and misunderstandings to deliver strategies that help investors make smarter, rational decisions about their money.In this Episode You'll Discover:How the concept of average returns often misleads investors.The fundamental drivers behind stock market growth.Why valuation metrics don't predict short-term market

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23:05

Why Most Business Owners Fail- And How to Avoid It

Retirement Straight Talk With Paul & William ·

2025/03/25

Running a business is tough—but why do so many fail within 5-10 years? In this episode of Retirement Straight Talk, Paul and William break down the key reasons most business owners struggle, burnout, or go under—and, more importantly, how to avoid becoming a statistic.Whether you're a sole practitioner or managing a team of 50, this episode will help you shift from working in your business to working on your business.Inspired by The E-Myth Revisited by Michael Gerber, they explore:✅The three

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