Your Retirement Planning Simplified

In this episode, Joe Curry starts with a tough question: Could your business be worth far less than you expect? Most business owners believe boosting sales and profits is the only way to grow business value. But that's only one piece of the puzzle. What You'll Learn: What the value gap really is and why it matters Why increasing revenue and profit isn't enough How factors like owner dependence, re...

In this episode of Retirement Planning Simplified, Joe Curry speaks with Rachael Burns, Certified Financial Planner and founder of True Worth Financial Planning. Rachael specializes in helping women navigate their finances after divorce or the loss of a spouse. She shares practical steps to regain control, avoid emotional financial decisions, and feel empowered in retirement.  You'll hear about th...

How Should You Pay Yourself as a Business Owner? Salary, Dividends, or an IPP? In this episode, Joe chats with Braden Warwick from PWL Capital about how business owners can pay themselves in the smartest way. They break down the pros and cons of taking a salary, dividends, or using an Individual Pension Plan (IPP), a lesser-known but powerful option. Braden shares what he's learned from co-authori...

In this episode of Retirement Planning Simplified,Joe Curry talks with best-selling author and Sketchbook School co-founder Danny Gregory about the life-changing benefits of rediscovering creativity in retirement.  After turning to drawing during a personal crisis, Danny discovered the healing power of art and now helps others do the same. You'll learn why creativity matters after leaving full-tim...

How to Calculate Your Wealth Gap and Retire on Your Terms If you sold your business tomorrow, would it fund your retirement? In this episode of Retirement Planning Simplified, Joe Curry breaks down how to calculate your "wealth gap", the difference between what you need for financial independence and what you already have saved outside your business and home. You'll learn why this number is the fo...

Why Your Retirement Plan Should Evolve With You In this episode of Retirement Planning Simplified, Joe Curry, a certified financial planner reveals why your retirement plan shouldn't be a one-and-done document. He dives into the importance of ongoing retirement planning, regular financial checkups, and adjusting your investment, tax, and risk strategies as your needs change. He breaks down how maj...

How Should Business Owners Pay Themselves? Salary vs. Dividends In this episode of Retirement Planning Simplified, Joe Curry sits down with financial expert Aravind Sithamparapillai to talk about how business owners should structure their compensation. They break down the pros and cons of salary versus dividends, how CPP (Canada Pension Plan) fits into retirement planning, and what business owners...

In this episode of Retirement Planning Simplified, Joe Curry talks with Karen Gershowitz, travel writer and author, about how travel can help you rediscover purpose, fun, and connection after you retire. Karen shares her journey from running a marketing firm to becoming a full-time travel writer after retirement. She talks about overcoming mobility issues, how slow travel leads to deeper cultural...

In this quick but powerful episode of  Retirement Planning Simplified, Joe Curry explains what every small business owner needs to know before selling a business, especially if retirement is getting close. Joe breaks down two important terms you always hear: EBITDA — used for bigger companies with management teams. SDE (Seller's Discretionary Earnings) — used for most owner-operated businesses und...

In this episode of Retirement Plan Simplified, Joe Curry sits down with Andrea McGinty, founder of It's Just Lunch and 33000Dates.com, to explore how to find love later in life — whether you're divorced, widowed, or simply ready for new companionship. Andrea shares her journey from building one of North America's biggest matchmaking services to coaching thousands of people in their 50s, 60s, and b...

Are you a business owner approaching retirement or just starting to think about a future sale? In this episode of Retirement Planning Simplified, Joe sits down with Matt Holmes, partner at Homes Riseleys CPA, to uncover the biggest mistakes business owners make when it comes to succession planning and selling their business and how to avoid them. He explains new tax rules for 2024 and how they can...

In this episode, Joe Curry breaks down smart, simple, and tax-efficient strategies to pass on your wealth in Canada—so your legacy goes to your loved ones, not the CRA. Whether you've built your nest egg through saving, investing, or selling a business, this episode is packed with insights you can use. Check out the show notes for EP148 HERE

Shownotes Thinking about selling your business? In this pilot episode, Joe Curry explains why many Canadian business owners struggle to sell—and how understanding the four main types of buyers can help you plan a smoother, more successful exit. Joe breaks down the key differences between individual buyers, strategic buyers, financial buyers, and internal buyers (like family or employees). Each typ...

In this episode of Retirement Planning Simplified, Joe Curry talks with Ashton Applewhite—TED speaker, author of This Chair Rocks, and a leading voice against ageism (discrimination based on age). Ashton explains how our culture gives us the wrong ideas about aging and why those beliefs can hold us back—especially in retirement. Check out the show notes for EP147 HERE

  In this episode, Joe Curry welcomes retirement coach and author Nancy Collamer to share how retirees can find meaning and purpose after leaving their careers. Nancy explains her shift from corporate HR to helping people build fulfilling second acts in retirement.   They explore what a second act career looks like, ways to discover new interests, and why some people feel lost after they stop work...

Need Cash in Retirement? Here's How to Stay Flexible. In this episode, Joe Curry and Lindsay Wilson talk about how to get the cash you need in retirement. They explain the best ways to prepare for surprise expenses, like using emergency funds, HELOCs (home equity lines of credit), and smart RSP withdrawals. They also talk about why it's important to plan ahead, so your money stays flexible when yo...

In this episode of Your Retirement Plan Simplified, Joe Curry interviews Laura Lynn Morrissey, founder of Silver Savvy, about how to plan for aging wisely and enjoy a healthy, independent retirement. With her background in finance and healthcare, Laura shares expert strategies to help you age in place, stay socially connected, and integrate financial planning with health and lifestyle goals. Wheth...

What if you could test-drive retirement before diving in? In this episode of Retirement Planning Simplified, Joe sits down with Jillian Johnsrud, financial independence expert and author of Retire Often, to explore how mini retirements can help you design a meaningful, purpose-driven life before and during retirement. From saving aggressively in her 20s to taking over a dozen mini-retirements by a...

Retirement isn't just about your finances—it's about designing a life you love.  In this episode, Joe Curry and Lindsay Wilson break down the 7 key pillars of a fulfilling retirement, with a focus on the three most essential: your financial foundation, your health, and your lifestyle. This is your practical guide to planning retirement with purpose—so you don't just coast through retirement, but t...

What if retirement wasn't the end of your story—but the beginning of your legacy? In this episode, Joe chats with Dr. Deborah Heiser, a developmental psychologist and founder of The Mentor Project, about how retirees can find purpose, connection, and fulfillment through mentorship, movement, and mindset. They explore the concept of generativity—our natural drive to give back—as a key to emotional...

In this episode, Joe Curry sits down with financial expert Russ Thornton to reveal why women face unique hurdles in retirement—and how to overcome them. From longer life expectancies to career breaks for caregiving, Russ shares real-world strategies to build confidence, plan smart, and avoid costly mistakes. They break down what women need to know about Social Security, investing, and balancing to...

In this episode, Joe sits down with Dr. Corinne Auman, a developmental psychologist who specializes in adulthood and aging, to talk about how our perspectives on aging and retirement are evolving. She explores common myths about getting older, how to find purpose after retirement, and the power of staying socially connected. Dr. Auman also shares advice for business owners on how to support older...

Joe chats with guest Esther Avant, a health industry expert, who emphasizes the critical role of prioritizing health for a fulfilling retirement. Esther highlights actionable strategies to kickstart a healthy lifestyle, regardless of where someone stands in their health journey. The episode explores the misconceptions about aging and health, practical steps for incorporating physical activity and...

Joe welcomes Amy Friesen, senior living expert. They highlight the challenges and solutions for aging individuals and their families. They examine various aspects of elder care , including planning for home modifications , navigating retirement homes , and understanding long-term care options. They emphasize the importance of planning , open family communication , and understanding the real costs...

The podcast episode delves into the nuances of financial therapy and its importance in retirement planning. John Hankins, a financial therapist, joins host Joe Curry to explain the intersection of emotional well-being and financial planning. They explore how financial therapy can help individuals and couples navigate anxiety and issues related to money, particularly when transitioning to retiremen...