Not all investing is created equal. In this episode, Tré Bynoe, CFP, CIM, unpacks the three core investment approaches—indexing, factor investing, and alpha strategies—and how to know which one fits you.

Whether you're DIY or working with an advisor, understanding the difference can mean the difference between steady growth and unnecessary risk.

You’ll learn:

• What an index fund really is
• How factor investing aims for better-than-market returns
• Why most alpha strategies underperform over time
• How to benchmark your portfolio the right way
• Which strategy Tré actually uses and why

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Should you pay yourself a salary or dividends from your corporation? If you’re a Canadian business owner, this decision shapes your long-term wealth. In this episode, Tré Bynoe, CFP, CIM, breaks down why it’s not a binary choice and what most professionals and incorporated entrepreneurs get wrong.

You’ll learn the real tax impact of each strategy, why RRSP room and CPP contributions matter, and how your spending habits, investment style, and future goals play a role.

You’ll learn:

• Why the best strategy is usually a mix—not one or the other
• How CPP and RRSP room shift the math on salary vs dividends
• The importance of mastering personal cash flow first
• What accountants often miss (and planners catch)
• When complexity just isn’t worth it—and how to simplify

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In this special off-script episode, Sierra flips the mic and asks Tré Bynoe, CFP, CIM, some personal and thought-provoking questions—from career paths not taken to his philosophy on helping people who actually want to be helped.

This is the human side of financial planning, where mindset, motivation, and money collide.

You’ll learn:

• The financial myth Tré really can’t stand
• What he’d do if he weren’t a financial planner
• The truth about who he’ll help (and who he won’t)
• The personal reason behind his early retirement planning
• Why separating income from expenses changes everything
• How social media affects contentment and financial decisions

If you’ve ever wondered what drives a financial planner (or just want to hear real talk about who Tré is), this one’s for you.

Follow and share the podcast to support real, honest finance content for Canadians.

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Notional accounts may sound like accountant-speak, but they’re critical if you're investing through a corporation. In this episode, Tré Bynoe CFP CIM breaks down what these invisible accounts are, how they work, and why ignoring them could quietly cost you thousands in tax.

If you don’t know the difference between a CDA and an RDTOH—or worse, you’re holding GICs inside your corporation—this episode is required listening.

You’ll learn:

• What a notional account is (and why it isn’t a real account)
• The difference between CDA, eligible, and non-eligible refund tax accounts
• Why interest income in corporations is heavily penalized
• How dividend payouts trigger tax refunds
• What happens if you don’t manage these accounts proactively
• Why clearing your RDTOH balance matters more than you think

This is essential for business owners investing through a corporation.

Follow, rate, and share the podcast if this saved you a tax headache.

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What do you actually earn from the stock market? If you think it's all "interest," think again.

In this episode, Tré Bynoe, CFP, CIM, breaks down the three types of investment income in Canada—dividends, capital gains, and other income—and explains how each one is taxed. This isn’t just technical terminology, but essential knowledge for anyone investing outside registered accounts or running a corporation. Understanding these differences can help you keep more of your money and avoid costly tax mistakes.

You’ll learn:

• Why not all investment income is treated equally
• How dividends work and why they’re tax-advantaged
• What counts as a capital gain and when it’s triggered
• Why interest income is often the least tax-efficient
• How corporate structure affects tax treatment
• The hidden power of asset location and after-tax returns

If you’re a professional, business owner, or serious DIY investor, this episode is for you.

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This episode is different. It's a reading of a children’s story called The Four Money Bears, recorded for our daughter, Ariyah.

It’s about spending, saving, investing, and giving — but more than that, it’s about balance, care, and intention, and a reminder that how we use money should help us take care of ourselves and each other.

However someone finds this episode, I hope it reminds you to tell the people you love how important they are, because we're only human and nothing is guaranteed.

Love you baby girl.

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Many Canadians are stuck under a mountain of debt. Some with no idea how much they owe, or how to get out. In this episode, Tré breaks down what to do right now if you’re facing serious consumer debt. From making your first net worth statement to choosing between the avalanche and snowball methods, this is your guide to regaining control.

Whether you’re a professional, business owner, or anyone dealing with high-interest debt, this episode helps you stop spinning your wheels and start taking action.

What you’ll learn:

• Why avoiding the numbers only makes things worse
• How to do a basic net worth and debt inventory
• When to choose avalanche vs. snowball for repayment
• The biggest mistake with car loans and mortgages
• Why lifestyle cuts and sacrifices are non-negotiable
• How to make debt payoff sustainable and final

Like what you hear? Follow, review, and share the podcast to help more Canadians take control of their money.

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Think taking out a car loan in your 20s is no big deal? Think again.

In this episode, Tré breaks down the long-term consequences of everyday debt decisions using real-life modelling to show how a single $40,000 car loan can quietly derail your financial trajectory for decades. It isn’t only about interest—it's about financial stress, lost time, and missed opportunities.

If you’ve ever said, “I had no choice,” this one’s for you.

What you’ll learn:

• How a single debt decision at 25 changes your life at 45
• Why debt isn’t just about cost, it’s about long-term stress
• What “financial flexibility” actually looks like
• The hidden opportunity cost of car loans
• Why delayed gratification is a wealth-building superpower

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