The Small Change Big Gains Podcast

How to Keep More of Your Money Tax Planning & the Annual Wealth Review for Business Owners For experienced business owners, keeping more of your money isn’t about last‑minute tax decisions, it’s about having a clear annual review process that connects your business, personal wealth, and long‑term plans. In this episode, we discuss how business owners approach tax planning as part of an annual...

***** National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on...

We sat with Jessica Elie to discuss the concepts of equal vs. fair when doing your estate planning. Often, the way we divide up our assets for our beneficiaries may be equal, but not fair due to different family & economic structures or situations of the beneficiaries. Many families have children that are probably more successful than other children in the same family. Punishing those successf...

We sat with Managing Director, Maxim Sytchev of National Bank Capital Markets, to chat about the Canadian Industrial sector and how the companies that make up this group are doing in light of everything happening in 2025 and beyond. The securities or sectors mentioned in this episode are not suitable for all types of investors and should not be considered as recommendations. Please consult your We...

In this episode- we talk about the difference in mandates between the two central banks and how this crucial difference affects the economy & investors.

Things to know before downsizing your home. Downsizing your home to save money and simplify your life? This podcast is for you.... Things you wish you'd known before downsizing. - it will probably cost you more than you anticipated- you may need new furniture, new art, and there may be fees that you haven't considered? -you may not get the location you always wanted -plan as early as possible- 5 y...

Do not go buy a Lambo first thing...

Don't let market chaos or political drama derail your investments! Learn why staying calm and thinking long-term is key to financial success in volatile times. Tune in for expert tips to keep your money rational and thrive! 📈💡 #investingtips #podcast#marketvolatility#staycalm

Sean, Amy, & Jalal discuss why many of us are not happy in our so-called "golden years" & what the top regrets are for retirees: 1) Not structuring your money to make you more money 2) Not having a supportive social circle 3) Forgetting to dream 4) Retiring too early 5) Not keeping up with your hobbies They also discuss why the thought of going to the beach everyday, or travelling all the...

📢 Had a great chat with Martin Lefebvre, Chief Investment Officer of National Bank Investments here at National Bank of Canada about the current market environment and what it means for Canadian investors and the public. Amongst the many things we discussed, we focused on questions that many of us are asking 🧐 1️⃣ Given the economic and political environment in the US, how do you see t...

Are trusts and family trusts beneficial? What are the different corporate structures? Let's Dig In... We all love tax right? RIGHT??? 💡Easily one of my favourite recordings to date. Along with Jalal Midani & Ali Spinner of Crowe Soberman, I had a great discussion on the importance of correctly setting up a corporate structure if you're a business owner. However you choose, it will have a prof...

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On this episode of Small Change Big Gains, we're diving into President Trump's proposed tariffs on Canada and what it means for investors. Tune in now for the breakdown 🎙️📈

Our latest episode with Naren Balakrishnan at Doane Grant Thornton LLC talks about the SR&ED (Scientific Research and Experimental Development) program- highlighting key points business owners will find helpful! 📝 There have been some recent updates to the program- did you know that capital expenditures are now eligible again? 🌟 🗝️Key takeaways: 1️⃣If you are working on a problem in which th...

No one gets into their car anticipating a car accident….yet we still buy insurance to protect ourselves…and to obey the law ofcourse :D No one moves in with their partner anticipating a break-up….(almost no one)…..so why don't we talk about financial protection enough? A fantastic discussion with Alex and Jalal on the importance of cohabitation agreements. 🏡 If you're thinking about moving in wit...

15M Canadians do not have a will. Estate planning isn’t just about passing on wealth—it’s about preserving your family’s legacy and avoiding costly disputes. In this episode, we dive into why it’s crucial to plan your estate well in advance to ensure happy inheritors and a smooth transition of assets. Learn how proactive planning can keep your family out of court, reduce litigation costs, and stre...

In this special New Year’s episode, we kick off 2025 with a look at what Canadians can expect in the year ahead. From economic updates to key trends and insights, we cover everything you need to know to start the year informed and inspired. Don’t forget to like, subscribe, and let us know your thoughts in the comments below. Here’s to a fantastic 2025! 🍁 #HappyNewYear #Podcast

🎄The holidays are a great time for fun & laughter…… It’s also a great time for paying close attention to our aging loved ones during our visits…. 🎅✨ It’s a unique opportunity to listen, observe, and ensure their well being…. 🩺 Beyond the laughter, joy, & shared meals… - 🕵️‍♀️Pay close attention to changes in diet, hygiene, social interactions, and mental health - 💬Recognize these clue...

🎄 Annual Holiday Episode Alert! 🎁 It's that time of year again—our 2024 edition of "Last Minute Gifts for the Holidays" is here! Let's show some love to local and small Canadian businesses this season. We've curated a list of our top picks and shared a bit about what makes each one special. #SupportLocal #ShopSmall #CanadianBusinesses #HolidayGifts #2024Holidays

When is a good time to sell your business? 📆 That is the million-dollar question (no pun intended) 🧐 Jalal and I recently sat with April Harbottle of Transition Architects to discuss M&A trends and high-level points regarding selling a business. The chat was as fun and engaging as it was insightful 🤯. Our top 3 takeaways: 1- The best time to sell is when things are going well 💥. Not when t...

Is innovation found in other sectors apart from tech? Admittedly, I was guilty of correlating innovation to just the tech sector- it certainly seems that way sometimes. But I recently learned that innovation isn’t just in tech. In our latest episode, Jalal and I had the fortune of chatting with Manish Goyal of JP Morgan and exploring how innovation is just as solid and thriving beyond the tech sec...

With MIGS 2024 right around the corner, we brought back Matthew Persram of the Creative Industries Group here at NB to talk about what it takes for a game studio to get a bank onboard to finance a game development or project. For some fun, we dived deeper, talking about issues in the gaming industry including the impact of monetization and gambling elements in games and issues surrounding the shif...

Jalal Midani and I had another insightful discussion with Corey Obermeyer, President of HomeInstead, about senior care, addressing some common misconceptions and gaining valuable insight from an industry leader. Here are the highlights of the chat: 🏡 Start thinking about senior care early: Planning ahead ensures you can make thoughtful decisions about your loved ones' future well-being. 💪 Exerci...

Overly thrilled and proud to have recorded this episode- business owners will find it intriguing. Sean Durkin and I chatted with Dr. Thomas W. Deans, best-selling author of "Every Family’s Business," on key considerations & questions when planning to sell your business to family members. Business succession is often complex, and the best transitions happen with long-term discussions and planni...

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