The Personal CFO Podcast

In this episode of the Millennial Money Canada podcast, host Guillaume Girard speaks with Tatenda Mawoyo about Individual Pension Plans (IPPs) and their benefits for incorporated business owners. They discuss the intricacies of setting up an IPP, who should consider one, the tax advantages, and the legal protections associated with these plans. Tatenda shares his journey from Zimbabwe to Canada an...

In this episode of the Millennial Money Canada podcast, host Guillaume Girard speaks with family lawyer Chantal Cattermole about her journey into family law, the emotional and financial challenges clients face, and the importance of proactive planning for families and business owners. They discuss the role of prenups, generational perspectives on financial planning, and the divorce process, includ...

In this episode of the Millennial Money podcast, Sam Lichtman speaks with Jason Watt about the complexities of finding a financial advisor, the importance of trust, and the challenges faced by underrepresented demographics in accessing financial advice. They discuss the advice gap in Canada, the role of social media in connecting clients with advisors, and the ethical considerations in financial p...

In this episode, Guillaume invited Kyle Welsh from MyHSA to discuss the transformation of health benefits through technology, the growth and scalability of MyHSA, and the competitive landscape of health spending accounts. He highlights the unique offerings of MyHSA, including health spending accounts and wellness spending accounts, and explains how these solutions cater to business owners and empl...

In this episode, Guillaume Girard and Sam Lichtman discuss the financial habits of wealthy millennials, focusing on how they achieve their first million and the strategies they employ to maintain and grow their wealth. The conversation covers three common paths to wealth, including entrepreneurship, real estate, and stock compensation. They also delve into the importance of risk management, seekin...

In this episode of the Millennial Money Canada podcast, hosts Guillaume Girard and Sam Lichtman speak with John Bromley from Charitable Impact about the journey of creating a platform that facilitates charitable giving. They discuss the importance of donor-advised funds, the various types of donations, and the tax benefits associated with charitable giving. John shares insights on encouraging the...

In this Millennial Money Canada podcast episode, Guillaume delves into Millen Wealth's investment philosophy, emphasizing the importance of aligning investment strategies with individual goals. He shares his personal journey into finance, discusses the significance of risk management, and contrasts institutional and retail portfolio management. The episode also covers key investment theories, incl...

In this episode of the Millennial Money Canada podcast, hosts Guillaume Girard and Sam Lichtman delve into the complexities of life insurance, discussing the various types of insurance products available, the importance of understanding individual needs, and the different approaches to determining how much insurance one might require. They explore scenarios based on life stages, from young adults...

Summary In this episode of the Millennial Money Canada podcast, hosts Guillaume Girard and Sam Lichtman discuss the various options available for company pension plans when leaving an employer or entering retirement. They explore the differences between defined benefit and defined contribution plans, the process of commuting a pension, and strategies for managing LIRA and RRSPs. The conversation a...

In this episode of the Millennial Money Canada podcast, hosts Guillaume Girard and Sam Lichtman engage with David Edey, a seasoned financial planner and author, to discuss the critical role of an executor in estate planning. They explore the responsibilities and challenges faced by executors, the importance of communication within families regarding estate matters, and the emotional aspects of gri...

In this episode of the Millennial Money Canada podcast, hosts Guillaume Girard and Sam Lichtman discuss essential concepts for successful investing, the implications of recent political changes in Canada, and the importance of financial planning. They explore the challenges of predicting market movements, the benefits of index and factor investing, and the role of financial planners in helping cli...

In this episode of the Millennial Money Canada podcast, hosts Guillaume Girard and Sam Lichtman discuss practical goal setting for 2025, emphasizing the importance of a structured approach using the SMART model. They explore personal and professional goals, health and fitness aspirations, and the significance of accountability and celebrating milestones. The conversation highlights practical strat...

In this episode of the Millennial Money Canada podcast, host Guillaume Girard and co-host Sam Lichtman engage with tax expert Mohammed Al-khooly to discuss tax planning strategies for 2025. They explore Mohammed's journey from working in large accounting firms to starting his own tax advisory firm, emphasizing the importance of proactive tax planning. The conversation covers various topics includi...

In this episode of the Millennial Money Canada podcast, hosts Guillaume Girard and Sam Lichtman delve into the intricacies of Registered Retirement Savings Plans (RSPs) and Tax-Free Savings Accounts (TFSAs). They discuss the importance of understanding these financial tools, especially in the context of generational wealth planning. The conversation covers the tax implications of RSP contributions...

In this episode of the Millennial Money Canada podcast, hosts Guillaume Girard and Sam Lichtman welcome mortgage broker Matthew Shantz to discuss the current mortgage landscape in Canada. They explore various topics, including the importance of financial literacy, the impact of interest rates on the housing market, and strategies for self-employed individuals seeking mortgages. Matthew shares insi...

In this episode of the Millennial Money Canada podcast, hosts Guillaume Girard and Sam Lichtman discuss the evolving landscape of financial planning and real estate investment from the perspective of millennials.  They share insights on their business journey with Millen Wealth Advisors, the challenges millennials face in the current real estate market, and the importance of financial literacy. Th...

In this episode of the Millennial Money Canada podcast, hosts Guillaume Girard and Sam Lichtman introduce their mission to elevate financial literacy among millennials. They discuss the importance of authenticity in financial planning, the unique challenges faced by millennials, and the customized approach to financial planning that they advocate. The hosts also share their personal journeys into...