Keys To The Vault Podcast

Ep 21 Divident Income Vs. Salary or Combined Whitney Hammond & Kelly Ross

Ep 20 homeowners myth Whitney Hammond & Kelly Ross

Ep 19 distribute estate while children alive Whitney Hammond & Kelly Ross

Ep 18 estate planning Whitney Hammond & Kelly Ross

KEYS TO THE VAULT MONTHLY DINNER, please fill out this form if you are interested: https://sovereignwealth.ca/keys-to-the-vault/ This podcast is designed specifically for women who have achieved success and face complex financial needs. We want to empower women with the knowledge and strategies to make informed decisions about your business and personal wealth. Every week, we dive into insights, s...

KEYS TO THE VAULT MONTHLY DINNER, please fill out this form if you are interested: https://sovereignwealth.ca/keys-to-the-vault/ This podcast is designed specifically for women who have achieved success and face complex financial needs. We want to empower women with the knowledge and strategies to make informed decisions about your business and personal wealth. Every week, we dive into insights, s...

One of the most confusing — questions entrepreneurs face: when and why to incorporate?! In this episode of Keys to the Vault, we dive into the real benefits and strategies of incorporation — from tax savings to smarter financial management. You’ll learn how incorporating can dramatically reduce your tax bill (12.2% corporate tax vs. personal rates that climb over 53%), what that means for your cas...

🎙️ New Episode: Estate Planning Secrets You Can’t Afford to Miss Probate. Taxes. Wealth transfer. These words might sound intimidating—but understanding them could save your family time, money, and stress. In this episode, we’re joined by Whitney Hammond, CEO of Sovereign Wealth Management, and Kelly Ross, CEO of Ross Professional Corporation, for a powerful conversation on protecting your wealth...

COTTAGES part 2 on the Keys To The Vault podcast with Kelly Ross & Whitney Hammond Kelly and Whitney return with another cottage discussion, continuing their deep dive into the complex relationship between cottage ownership and taxes. They explain that there are three — or really four — main ways to hold title to a cottage, each with its own benefits and drawbacks. -Personally-Owned -Corporati...

KEYS TO THE VAULT MONTHLY DINNER, please fill out this form if you are interested: https://sovereignwealth.ca/keys-to-the-vault/ This podcast is designed specifically for women who have achieved success and face complex financial needs. We want to empower women with the knowledge and strategies to make informed decisions about your business and personal wealth. Every week, we dive into insights, s...

🎧 Episode Takeaways: • Estate taxes can be steep — especially for beneficiaries who don’t realize how much of the estate is taxed before they receive a cent • RRIFs (and RRSPs) are fully taxed at death, often pushing income into the highest bracket on the T1 terminal return • Strategic withdrawals matter — don’t just take the minimum; plan your income to minimize the final tax burden • Cash flow...

Episode Summary: Understanding Estate Taxes The number one question I get in my practice is about estate taxes—and in this episode, Kelly and I break it all down. We cover: What exactly the inheritance tax is (and isn’t) Probate fees (Estate Administration Tax or EAT): the first $50,000 of your estate is taxed at 0.5%, and everything above that is taxed at 1.5% How to reduce probate fees—a questio...

KEYS TO THE VAULT MONTHLY DINNER, please fill out this form if you are interested: https://sovereignwealth.ca/keys-to-the-vault/ This podcast is designed specifically for women who have achieved success and face complex financial needs. We want to empower women with the knowledge and strategies to make informed decisions about your business and personal wealth. Every week, we dive into insights, s...

SHOW HIGHLIGHTS: How parents & grandparents can help their children invest in their first home First Home Saving’s Account Borrowing off of your RSP Creating the space and developing habits KEYS TO THE VAULT MONTHLY DINNER, please fill out this form if you are interested: https://sovereignwealth.ca/keys-to-the-vault/ This podcast is designed specifically for women who have achieved success and...

Welcome to Keys to the Vault podcast, your one-stop shop for wealth and tax planning with Whitney Hammond and Kelly Ross. SHOW HIGHLIGHTS: - - - KEYS TO THE VAULT MONTHLY DINNER, please fill out this form if you are interested: https://sovereignwealth.ca/keys-to-the-vault/ This podcast is designed specifically for women who have achieved success and face complex financial needs. We want to empower...

Welcome to Keys to the Vault podcast, your one-stop shop for wealth and tax planning with Whitney Hammond and Kelly Ross. SHOW HIGHLIGHTS: - - - KEYS TO THE VAULT MONTHLY DINNER, please fill out this form if you are interested: https://sovereignwealth.ca/keys-to-the-vault/ This podcast is designed specifically for women who have achieved success and face complex financial needs. We want to empower...

Welcome to Keys to the Vault podcast, your one-stop shop for wealth and tax planning with Whitney Hammond and Kelly Ross. SHOW HIGHLIGHTS: -Knowing your burn rate helps you make educated financial decisions -The pride of home ownership - TFSA's, RSP's, FHSA's-Habits of financially successful individuals-Is fear wealth or is faith wealth? -One idea can change your life and push you out of your...

We want women to feel OPULENCE. To feel empowered when making decisions. To live a life of your dreams! Kelly Ross and I present to you our joint collaboration of Keys To The Vault: the story of how we merged together financial planning & tax strategy so you can have all the keys to your financial fortress. Welcome to Keys to the Vault podcast, your one-stop shop for wealth and tax planning wi...

Welcome to Keys to the Vault podcast, your one-stop shop for wealth and tax planning with Whitney Hammond and Kelly Ross. KEYS TO THE VAULT MONTHLY DINNER, please fill out this form if you are interested: https://sovereignwealth.ca/keys-to-the-vault/ This podcast is designed specifically for women who have achieved success and face complex financial needs. We want to empower women with the knowled...

Welcome to Keys to the Vault podcast, your one-stop shop for wealth and tax planning with Whitney Hammond and Kelly Ross. Make sure to SUBSCRIBE and leave us a 5* review on iTunes!!! To join one of our monthly Keys To The Vault dinner events in Burlington, Ontario, please fill out this form: https://sovereignwealth.ca/keys-to-the-vault/ Join the CEO of SWM, Whitney Hammond, Chartered Life Underwri...

Welcome to Keys to the Vault podcast, your one-stop shop for wealth and tax planning with Whitney Hammond and Kelly Ross. Make sure to SUBSCRIBE and leave us a 5* review on iTunes!!! To join one of our monthly Keys To The Vault dinner events in Burlington, Ontario, please fill out this form: https://sovereignwealth.ca/keys-to-the-vault/