Some financial planners still use the same flat “4% return” rate for every client’s retirement plan. Tré and Sierra explain why that’s not just inaccurate—it’s unprofessional. In this candid episode, Tré shares what happened at a due diligence event that left him frustrated with the industry’s bad habits. You’ll learn why using made-up assumptions leads to misleading plans, what FP Canada actually requires, and how real professionals base projections on evidence, not convenience. This episode is a must-listen for anyone who wants to know whether their financial planner is doing the job right or just guessing.

You’ll learn

• Why a flat 4% rate of return isn’t “conservative”
• What FP Canada’s standards really say
• How lazy assumptions mislead clients
• What proper financial planning should include
• Questions to ask your own planner

Should you incorporate your business, or stick with a sole proprietorship? In this episode, Tré and Sierra unpack what a corporation really is, how it works, and why it’s one of the most powerful wealth-building tools available to Canadians. Tré explains the real advantages—legal protection, tax efficiency, and control over income timing—while also calling out the pitfalls that sink small business owners who treat their corporations like personal piggy banks. Whether you’re a freelancer, professional, or business owner, this episode helps you understand how corporations create opportunity and what mistakes to avoid before you make the move.

You’ll learn

• What a corporation actually is (and how it differs from a sole proprietorship)
• The truth about corporate tax advantages (no, it’s not a magic loophole)
• How to use pre-tax dollars to build wealth faster
• The difference between personal and professional liability
• The biggest mistakes small business owners make with corporations

Most people think insurance is for “what if I die?” scenarios—but that’s not the real risk. In this episode, Tré and Sierra break down how smart families and business owners actually manage risk. From life insurance to disability and liability coverage, Tré explains how to identify what’s truly at stake—your ability to earn, live, and protect your family’s future—and how to match your coverage to your real financial needs. You’ll learn the difference between guessing and planning, and why overinsuring small things while ignoring the big ones is one of the most expensive mistakes Canadians make.

You’ll learn

• The four ways to handle risk: avoid, reduce, transfer, or ignore
• How to size insurance to your actual needs (not sales pitches)
• Why income protection often matters more than life insurance
• The key mistake most families make with coverage
• How to make sure one event doesn’t ruin your financial plan