Free Lunch

Jonathan’s style was to blend practical financial advice with human behaviour and life lessons. This week, Colin and Greg reflect on the life and legacy of  Jonathan Clements , the longtime  Wall Street Journal  columnist whose insights helped redefine how we think about money, happiness, and simplicity. Jonathan’s approach really aligns with what we try to do here, cutting through...

AI was everywhere at Future Proof Festival. From Google searches to client service, every conversation circled back to how artificial intelligence is reshaping the industry. On this week’s episode of the Free Lunch Podcast, Colin and Greg reflect on Colin’s time at Future Proof, and why, despite AI’s power, nothing can replace human trust and behavioural coaching. 🎧 A must-listen for anyone curio...

🎓💰 Sending kids off to college or university? The sticker shock is real.  Tuition, books, housing, can quickly add up to $20,000+ per year. In this week’s episode, Colin and Greg break down the real costs of post-secondary education and explore smart ways to fund it, including: ✅ Student loans, grants & bursaries ✅ RESPs (and how to make the most of government grants) ✅ What hap...

True or False: ❓ Diversification increases expected stock returns. ❓ Owning Canadian banks, pipelines, and utilities is enough diversification. ❓ Most active fund managers outperform their benchmarks over time. If you hesitated on any of these, this week’s episode is for you. Colin and Greg break down why diversification is really about protecting against risk, how home bias trips Canadians up,...

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Tariffs go up. Inflation lingers. Politics heat up. And the cost of everyday life feels it. On this episode of the Free Lunch Podcast, Colin and Greg explore how U.S. policy shifts ripple through interest rates, inflation, and portfolios around the world. They discuss... 🌎💼  ✔️ The hidden inflation driver no one talks about. ✔️ Why Fed decisions matter beyond the U.S. ✔️ How to position por...

Is one will enough if you own property in more than one province? This week on the Free Lunch Podcast, Canvas Wealth sits down with Jonathan Ng to unpack the complexities of wills, probate, and property across provinces (and even outside of Canada). From cabins in B.C. to bank accounts in Ontario, they explore what executors and families need to know, and when a “skeleton key” will is enough,...

Money isn’t just math. It’s feelings. In this episode of the Free Lunch Podcast, Greg and Colin sit down with special guest Carl Richards, author, and creator of  The Behavior Gap,  to talk about his new book  Your Money. They explore why financial planning is less about spreadsheets and more about meaning, values, and the conversations we have never been taught to have. 🎧 If...

Most people have never heard of an IPP. But for incorporated business owners, it can be one of the most effective ways to build retirement wealth. In this episode of the Free Lunch Podcast, Canvas Wealth welcomes Tatenda Maywoyo of GBL Inc., to explain what IPPs are, who they’re for, and why they’re a hidden gem in Canadian retirement planning.  🎧 If you’ve ever wondered whether an IPP...

If you had $1 million, what would you actually do with it? Would you buy a house? Travel the world? Or maybe just stock up on Kraft Dinner like the Barenaked Ladies sing about?  In this episode of the Free Lunch Podcast, Canvas Wealth explores the playful lyrics of  If I Had $1,000,000  alongside the deep insights from Dr. Daniel Crosby’s book  The Soul of Wealth . They unpack...

What happens when classroom theory meets the reality of working in finance? In this special episode, Canvas sits down with Jacob and special guest Èmile, two finance students balancing bartending, trading, and navigating their first steps into the industry. They talk markets, mentorship, behavioural bias, bonds (yes, bonds), and the biggest surprises that come with going from spreadsheets to...

Advisors once lived by the phone, a notepad, and a stack of prospecting lists. Now? AI, CRM systems, and customized pools are shaping the way advice is delivered, and relationships are built. This week, Colin continues his conversation with Greg Kraminsky in part two of their reflection on 30+ years of change in the investment world. They unpack the real evolution: not just in products and te...

“We got to revisit what works and what doesn't work... and we came up with a solution in 2009 that we still follow today” – Greg Kraminsky This week, Colin sits down with Greg to revisit what the world of advice looked like in the 90s and how it has evolved over the past three decades. From the days of paper forms and product pitches to purpose-driven conversations and personalized planning, it’s...

Ever feel like your money decisions are on a hype cycle? This week, Colin and Karyn share 12 steps to help cut through the noise and bring some calmness back into your financial mindset. From tuning out market headlines to trusting your process, they explore what has helped people stay on track, and what creates distraction. 🎧If you’ve ever wondered whether “timing the market” is a real thing (sp...

What do baseball, patience, and a big annual payday have in common?   Colin and Greg break down the story of Bobby Bonilla, a retired MLB player who still collects a cheque every July 1st thanks to one clever contract that turned into decades of steady income.   They unpack why consistency and patience often outperform perfect timing, and how you can apply these lessons to your own finan...

In this episode, Colin and Steve sit down with longtime friend and former partner Greg Kraminsky to reflect on their transition to independence, why they made the move, how it's going, and what it’s meant for the people they work with. They share what it’s like to step away from the familiar and what they have gained in the process.

𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗶𝘀 𝗼𝗻𝗲 𝘁𝗵𝗶𝗻𝗴. 𝗟𝗶𝘃𝗶𝗻𝗴 𝗶𝘁 𝗶𝘀 𝗮𝗻𝗼𝘁𝗵𝗲𝗿. Colin sits down with Greg Kraminsky, longtime advisor, recent retiree, and returning voice to the podcast, to talk about the shift from planning retirement for clients… to living it himself. From navigating long, unstructured days, to finding purpose beyond work, and to why financial peace of mind isn’t...

Saving for retirement doesn't come with a one-size fits all plan. Colin and Karyn sit down with Ryan Ackers, Senior Vice President at Growth and Corporate development with GBL, to unpack the Supplemental Executive Retirement plan. What it is, how it works, and why more companies are using it to support long-term planning for key talent. From compensation design to funding mechanics and flexibility...

Being a dad doesn’t come with a playbook.  Colin and Karyn get candid about what it really means to be a dad in today’s world and why mental health needs to be part of the conversation. From financial stress and parenting pressures to societal expectations and silent burnout, they unpack 10 major challenges men face, especially fathers and offer practical, compassionate tools to help lighten...

Colin and Blair are joined by special guest Marty Birky for a candid conversation about one of the toughest topics to discuss: divorce. From navigating asset division and child support to avoiding common legal missteps, Marty shares real-world insights from his experience helping families through major transitions - especially when emotions run high. Whether you're planning, separating, or simply...

Colin and Karyn dig into one of the most common fixed income questions: should you buy individual bonds or bond funds? They cover everything from yield curves and cash flow needs to diversification. Whether you are building wealth or looking for simplicity, this episode lays out the pros, cons, and misconceptions of each strategy. Tune in and enjoy the show!

Should you really “sell in May and go away”? Colin and Karyn are here to bust that old market myth—and a few others while they’re at it. From summer slumps to tariff turmoil and the real role of global markets, they separate fact from fiction so you can invest with confidence all year long. Listen and enjoy the show!

Colin and Karyn dive into the true cost of post-secondary education in Canada - from tuition and rent to blenders and parking passes. They break down RESPs, government grants, student debt, and whether a university degree or a trade offers the better return on investment.  Spoiler alert: the answer may surprise you.

It’s not just flowers or brunch. Colin and Karyn unpack what moms actually want: peace of mind, financial stability for their kids, and a future free from money stress. From saving strategies to estate planning, this heartfelt episode explores how financial security can be the most meaningful gift of all. Listen and enjoy the show!

Colin, Karyn, and Steve break down the global tensions making headlines. From the impact of tariffs and currency swings to central bank policy and investor behaviour, this episode is your market sanity guide in a noisy world. Tune in and enjoy the show!