beyond MD with Dr. Yatin Chadha

Yatin Chadha , MD hosts John Stocking , PFP, CIM, CIWM. John Stocking has almost 20 years of experience having worked in private wealth management both in Canada and overseas & with 3 Canadian banks. More recently, John succeeded in launching his own independent financial advice firm " Evidence Based Finance ", through which he offers financial planning, DIY coaching, or comprehensiv...

Thank you for joining me on my first solo episode! :) This episode is a covers my journey to this point & highlights key professional, financial, and personal lessons from my past, including mistakes. Remember, mistakes should be viewed as learning opportunities, not viewed as regrets. This episode is dedicated to my late father-in-law, Mahen Acharya, a remarkable individual. At the end of the...

Yatin Chadha interviews Dr. Stephanie Zhou, MD. Stephanie practices Addictions Medicine at Sunnybrook Hospital in Toronto. She is passionate about financial literacy & diversity and inclusion, and is well known for bringing financial education to medical school curriculum at the University of Toronto. Stephanie is a strong advocate for equalizing student knowledge when it comes to personal fin...

Dr. Yatin Chadha hosts Sanjil Shah (CPA, CA) to discuss REITS with a focus on Alignvest Student Housing REIT (ASH REIT). Sanjil has extensive experience in real estate and is the managing partner for ASH REIT, which is striving to consolidate purpose built student accommodations (PBSA) across various Canadian university markets. Website: https://www.alignveststudenthousing.com/ We discuss: - REIT...

Yatin Chadha hosts Sophie Cournoyer (FCIA, FSA, MBA, CFA) to discuss the retirement compensation arrangement (RCA). The RCA is a lesser known retirement savings plan that can be relevant for incorporated professionals with substantial salary (T4 income). Connect with me on LinkedIn or at beyondmdpodcast@gmail.com We discuss: 1:08 - My intro to RCA 3:25 - our guest, conflicts on interest 4:40 - wha...

Yatin Chadha hosts Ron Haik, MBA, CFP, CIM, TEP, senior financial advisor at Nicola wealth. This is the second episode on alternative investments, this time focusing on private equity. Yatin and Ron discuss: What is private Equity (PE)? (4:40) Differences between investing in PE & public markets (5:08)  Various (Nicola Wealth) funds (9:00) Leveraged buy outs (11:45) Credentials of (Nicola Weal...

Yatin Chadha hosts Dr. Kevin Mailo, an Emergency physician from Edmonton, AB and co-founder of Physician Empowerment.  Physician Empowerment is a physician-led venture helping other physicians with burnout, practice management, and financial literacy. Check their website for upcoming courses (with CME): https://www.physempowerment.ca Kevin has abundant experience in direct ownership of real estate...

Galen Nuttall, M.Ed, CFP joins Yatin Chadha to discuss financial literacy as it pertains to Canadian physicians. One of Galen's top interests as an experienced planner is helping incorporated small business owners, including doctors, create their own pensions using their professional corporation. Discussion points: - survey part 1: 58% of Canadian physicians said they were confused about wher...

Dr. Yatin Chadha hosts Leanne Mamchur, CFA, CFP, FMA to discuss investment costs, this time focusing on exchange traded funds (ETFs). Leanne has written an article on investment costs that can be accessed:  https://woodgundyadvisors.cibc.com/Leanne-Mamchur/articles-written-by-our-team%20?lang=en_US I begin by discussing a personal investment decision (ETF) from 2018 (begins at 2:40). I wasn't...

Have you ever wondered exactly how much your investments cost?? Welcome to part 1 of demystifying investment costs. This episode focuses on investment costs associated with mutual funds and will provide the fundamentals for the follow up episode that will discuss ETFs. Dr. Yatin Chadha interviews Leanne Mamchur, CFA, CFP, FMA from CIBC. Leanne has 19 years of experience advocating for private clie...

Dr. Yatin Chadha interviews his good friend, Arjun Saraf, CPA, CA, EMD, who is VP Finance and Mortgage Admin at New Haven Mortgage Corporation.  The topic is mortgage investment corporations (MICs).  Arjun Saraf has more than 10 years of experience in the MIC space and is an expert on the topic. https://www.newhavenmortgage.com/ This is the first of many episodes dedicated to alternative investmen...

Dr. Yatin Chadha hosts Dr. Richard Sztramko, co-founder of Arya EHR (electronic health records). Site: https://www.aryaehr.com/ Arya EHR is a rapidly growing Canadian health technology company focused on providing innovative and user-friendly EHR and telemedicine services for Canadian hospitals and clinics. Richard Sztramko's fellow co-founders are: - Dr. Sam Gharbi , general internist (BC) -...

Dr. Yatin Chadha hosts Jean-Pierre Laporte (CEO Integris Pension Management Corp) to discuss the personal pension plan (PPP). This is highly relevant and under discussed material for any incorporated professional/small business owner. Discussion points include: Review of basic IPP (individual pension plan) concepts PPP account structure (3 accounts) - Defined benefit account (DB) - Defined contrib...

Dr. Yatin Chadha hosts Jean-Pierre Laporte, BA, MA, LLB, RWM, CEO at Integris Pension Management Corp to discuss Individual Pension Plans (IPP) This is an under-discussed topic in personal finance and is highly relevant to all incorporated professionals. The discussion includes: General - overview - eligibility, ideal candidate Funding and Tax Advantages - work around for passive income rules - in...

Dr. Yatin Chadha hosts Sue Ennis, head of investor relations at Hut 8 mining corporation. Sue has 4 years of dedicated experience in the crypto space with previous roles at Shyft Network (senior vice president, global partnerships) and Coinsquare (director). The aim of the episode is to help listeners gain basic knowledge of bitcoin, its emerging role in the financial industry, and understanding i...

Dr. Yatin Chadha hosts Tim Cestnick, FCPA, FCA, CPA(il), CFP, TEP, to discuss RRSPs for incorporated small business owners. Tim Cestnick is well known as one of Canada’s most respected voices in tax, personal finance, and wealth management. He is CEO and co-founder of Our Family Office, a leading wealth advisory firm for high earning Canadians. Tim writes a weekly column in the Globe and Mail call...

Yatin Chadha interviews 2 former colleagues, Dr. Aaron Hall and Dr. Khalil Jivraj, both of whom are successful DIY investors. Aaron has been investing since before the dot-com bubble and uses only 3 ETFs. Khalil's approach incorporates stocks and ETFs. Points covered: - the importance of minimizing investment fees - the power of passive ETF investing - factors to consider when picking an ETF...

2020 will go down in history for many reasons, including the fastest bear market and recovery for stocks. There are many lessons to be learned.  Yatin Chadha interviews Andrew Iu from Burgundy Asset Management. Andrew manages the firm's small cap fund and builds and develops the firm's team of analysts in his role as research director. Andrew is also a former analyst at Goldman Sachs. To...

Yatin Chadha hosts Elan Weintraub, co-founder and director of the Mortgage Outlet, one of the largest private mortgage brokerages in Canada and recipient of numerous industry awards. Elan is known for his no-nonsense straight talk and discusses the following: advantages offered by brokerages, forces influencing mortgage rates, current rate environment and when changes may happen, factors to consid...

Dr. Yatin Chadha interviews Jamie Golombek, managing director of tax and estate planning from CIBC. Jamie Golombek is a very well respected voice on personal and corporate tax matters for professionals. Topics covered: corporate vs RRSP investing, how to structure corporate investments for tax efficient returns, tax treatment of various types of corporate investment income (including foreign incom...

Yatin Chadha hosts Joe Fazio and Kristen Fazio from Professionals' Insurance Centre to discuss disability and life insurance policies (including whole life insurance). Joe Fazio has been in the insurance industry since 1981 and has developed a thorough understanding of the financial needs for physicians, which is his primary area of focus. Kristen Fazio has dedicated her career to educating y...

Yatin Chadha interviews Ali Spinner, accountant from Crowe Soberman specializing in tax matters. Topics include when to incorporate, salaries vs dividends, passive income, structuring corporate investments, RRSPs vs corporate investments, and pearls including ways to use corporate funds in a relatively tax friendly manner.

Medical professionals typically begin earning later than their peers and are usually not adequately exposed to financial topics during training. Beyond MD is led by Dr. Yatin Chadha and guided by expert analysis. Each episode, Yatin interviews accountants, lawyers, brokers and advisors to heighten awareness on important topics like professional corporations, holding companies, estate planning, ins...