beyond MD with Dr. Yatin Chadha

I am delighted to host international best selling author, Andrew Hallam , on today's episode. We have a wide ranging discussion on the pillars of a successful life, the relationships between money & home ownership & happiness, spending money to enhance life satisfaction, evidence-based investing for success & simplicity, relationships, purpose, & lessons learned living abroad....

Welcome back to beyond MD! Do you have an idea you want to bring to the world? If so, this episode is for you. Today I sit down with Matija Kamikovski, CEO of Precision Finance . Matija has more than a decade of experience leading finance teams at start ups. Discussion Points: Matija's background in guiding startups (4:10) Coming up with a sustainable business idea (7:50) How to get data on t...

I'm thrilled to host Ali Spinner, one of Canada's most trusted voices in tax, on the implications of the proposed hike in the capital gains inclusion rate. Discussion Points: - Tax 101 & What happened to the capital gains inclusion rate (0:55) - Numerical example with 100K capital gains (5:51) - Has tax integration been violated? Where should we hold certain assets like rental proper...

I'm happy to have Dr. Kevin Mailo back on the show to discuss what he's learned from investing in real estate (RE) over the last 15 years. We talk about winners and laggards in the portfolio, property managers, challenges with direct ownership in RE, the importance of due diligence in private equity, & how critical it is to understand your "why" in investing. Physician Empo...

In this episode I sit down with Parish Bhumgara from Gardiner Roberts LLP to discuss corporate shareholder agreements (CSA). Discussion points: - Parish's background (2:05) - Corporate shareholder agreements/CSAs: what & when? (2:40) - CSAs: who should consider this? (3:45) - CSA structure (6:20) - CSA share types (8:05) - Key details to be outlined on a CSA (11:03) - Unanimous shareholde...

Today I discuss some of my investments. There have been wins along with some subpar performances. I've also caught myself occasionally falling into common investing traps. Today I address it all and what I've learned from my experiences. Discussion points: - #1: focusing too much on price (4:46) - #2: the importance of understanding what you are investing in (9:48) - #3: sometimes it pay...

Today I welcome Kim GC Moody, one of our country's top tax experts, to discuss AMT (Alternative Minimum Tax) changes for 2024 & beyond and the potential implications for high income earners in Canada. The podcast has 3 segments: 1) AMT history & mechanics 2) AMT changes 3) AMT Scenarios Discussion Points: AMT basics (0:47) Table of contents (2:07) Kim Moody's bio (2:41) Intro (3:...

I'm thrilled to host Dimitre Ranev, MD. Dimitre is a savvy mind when it comes to DIY investing. I've benefitted from his wisdom over the years & I'm excited to pick his brain on his investing approach today.  This episode features Arya EHR - https://www.aryaehr.com/ **I endorse only products/services I personally use or would use. I can get commissions that will be used to offse...

I'm thrilled to welcome back our colleague, Dr. Ketan Kulkarni, who is a pediatrician, coach, author, & entrepreneur. This is a fun and wide ranging interview. We discuss Ketan’s new book, Soar: A Soul's Quest (link below), what a rich & successful life means to us, how to stick to our core values, time management, financial needle movers, bringing out the best in our kids, &...

Thanks for tuning in to part 2 of multiple streams of income with Dr. Stephanie Zhou. One thing I hope people can take away from these interviews is that it's possible for many of us build a diverse and rewarding career....the multiple streams of income is the cherry on top. Discussion Points: Getting paid to offer advice in your area of expertise (0:37) Steph's approach to venture capit...

Join Dr. Stephanie Zhou in today's episode as she dives into her diverse career and the streams of income that come with it.  Dr. Steph specializes in addictions medicine at Sunnybrook Hospital, leads the Financial Literacy Curriculum at the University of Toronto, started the annual Physician Financial Wellness Conference, and was recognized among Canada's 100 most influential women in 2...

Hello all! We decided to add a few details to Part 4 on Permanent Life Insurance with Jeff Bernstein (CLU, MFA-P). While some may elect to cancel policies, there are also options for navigating policies without fully exiting, which are covered here in a quick summary: 1. APL (Automatic Premium Loan) 2. RPU (Reduced Paid-Up Option) 3. Premium Offset beyondmdpodcast@gmail.com jeffbernstein@seligman....

Thank you for joining me on the final segment of permanent life insurance with Jeff Bernstein, CLU, MFA-P , owner & managing partner of Seligman Insurance. Discussion Points: - The White Coat Investor & permanent life insurance (1:26) - Who can benefit from permanent life insurance? (3:44) - Commissions on permanent life insurance (8:14) - How do commissions impact your policy? (19:18) - E...

Welcome to Part 3 of Permanent Life Insurance with Jeff Bernstein, CLU, MFA-P, owner & managing partner of Seligman Insurance. Discussion Points: Summary of the death benefit (0:58) Permanent life policies for the kids? (2:58) Corporate Insurance Retirement Plan (6:10) Infinite banking/being your own banker (beware) (18:50) Immediate Financing Arrangement (IFA) (29:17) Jeff Bernstein: https://...

Welcome to Part 2 of Permanent Life Insurance with Jeff Bernstein, CLU, MFA-P, owner & managing partner of Seligman Insurance. Discussion points: PAR Whole life investments (2:05) PAR fund performance, dividend scales (5:51) PAR fund actuarial assumptions (9:45) Performance headwinds/tailwinds, dividend smoothing (14:55) Open and closed policy blocks (19:08) Illustrations: what we need to know...

It's finally time to tackle permanent life insurance with a series of episodes. I'm thrilled to host Jeff Bernstein, CLU, MFA-P, owner & managing partner of Seligman Insurance as we do a deep dive on this topic. Discussion points: Jeff's background (5:57) What is permanent insurance? (9:30) Considerations for permanent life (12:30) Core concepts: adjusted cost basis & capita...

In this episode I welcome Rounak Langhe, MBA, CFA, founder of Durham Asset Management. Rounak is an expert in fixed income investing. The aim of the this episode is to cover the fundamentals of bonds. Discussion Points: - Rounak's background (3:35) - what is a bond? Understanding the the 3 C's & coupon rate, maturity, and payment dates (8:40) - overview of bond types: government, cor...

This episode provides a deep dive into donor advised funds, a lesser known philanthropic strategy. I'm happy to have Mark Halpern, CEO of WealthInsurance.com back on the pod. Discussion points: - what is a donor advised fund/DAF (5:23) - what can flow into a DAF? (8:23) - transferring appreciated corporate securities to a DAF (11:50) - rules around tax deductions on (DAF) contributions (15:32...

Today I host Ricky Zhang, founder of the Prince of Travel. This is a deep dive on understanding & optimizing travel rewards so that we can travel the world by spending less! Discussion Points: Ricky's background & the origin of Prince of Travel (3:45) How does the points system work? (7:07) Earning points rapidly through credit cards (11:14) Credit score fundamentals (19:07) Should we...

Thank you for joining me for part 2 with the Loonie Doctor (Dr. Mark Soth). Discussion points: - summary of sources of corporate tax drag (1:44) - how does Mark invest his own money? (3:55) - optimal salary & dividend mix (6:39) - Mark's view on individual pension plans/IPPs (8:42) - What's moved the needle most for Mark? (11:29) - Decumulation overview (13:19) - Lessons for the kids...

Due to popular demand, finally overcoming my procrastination, and finally getting more comfortable with my knowledge base, I am thrilled to welcome Dr. Mark Soth (aka The Loonie Doctor) to beyond MD. This is corporate tax and corporate investment optimization 101. Discussion Points: The mission behind the Loonie Doctor Blog (2:41) Mark's evolution (6:17) Corporation taxation basics (8:29) Wha...

Today I sit down with Dr. Michael Fralick, who is a Clinician-Scientist at the University of Toronto to talk about locuming as a physician. Mike and his brother, John Fralick, host the Rounds Table podcast , bringing summaries of the most relevant randomized controlled trials to practicing physicians. Table of Contents: My opinion on the benefits of locuming (0:48) Dr. Mike Fralick's backgrou...

Welcome to my 50th episode! Today we focus on the most important insurance policy we all need: disability insurance (DI) .  The discussion focuses on fully understanding the policy & key riders, and optimizing the policy for your needs (as well as cost). Please note: DI basics are covered in episode 2 for anyone seeking a refresher. My guest: Kristen Fazio from Professionals' Insurance Ce...

Thanks for joining me on part 2 of my money mistakes.....too many to count ;) After discussing the highlights from my California  road trip, I talk about 6 more mistakes that have cost me big & what we can learn from them. The first mistake starts at (6:09). This year we made a conscious decision to travel the world more & live our best lives today. I'm learning more about optimizing...

Thank you for tuning in to my 4th solo episode. We all make our fare share of mistakes & I am no exception. In fact, I've made so many financial mistakes that it will take at least 2 episodes to cover them all. Links to content covered in this episode: Amex platinum credit card (business owners & sole proprietors):  https://americanexpress.com/en-ca/referral/yATINC4uFw? XLINK=MYCP Ple...