Our guest this episode is Jason Pereira — Senior Partner & Financial Planner at Woodgate Financial and one of Canada’s most prolific voices in the financial planning industry.

Jason has spent over two decades immersed in the world of financial planning — earning nine professional designations, contributing to hundreds of articles and podcasts and becoming a trusted expert on everything from practice management to fintech to insurance strategy.

In this wide-ranging conversation, Dave and Jason explore the evolution of financial advice in Canada including how it compares globally, why many Canadians still have blind trust in big institutions and what younger advisors are doing differently. They also dig into some of the thorniest financial planning topics: over- and under-insurance, capital gains at death, intergenerational wealth transfers, life insurance for children, rental real estate in 2025 and much, much more.

Jason doesn’t hold back — sharing candid insights on the gaps in Canada’s advisory landscape and how consumers can better navigate the system. Whether you’re a new investor or just someone trying to make smart decisions with your money, this episode is packed with thought-provoking ideas and practical takeaways.

Show Notes

(00:00:00) Intro & Disclaimer

(00:00:55) Intro to Jason Pereira

(00:02:13) The Different Ways to Pay for Financial Advice

(00:05:26) How Does Canada’s Financial Advisory Industry Compare to Other Parts of the World?

(00:10:52) Young Advisors Want To Do More Financial Planning

(00:12:57) Canadians Have Misguided Trust in Large Financial Institutions

(00:16:17) Jason Thinks People Are Being Sold Too Much Insurance They Don’t Need

(00:19:06) Term vs. Cash Value Insurance

(00:21:27) Using Insurance to Cover Large Capital Gains Taxes

(00:25:25) Passing On Cottages Can Cause Much Family Friction

(00:26:45) Corporate Executors

(00:29:37) Many Young Canadians Don’t Have Enough Life Insurance

(00:34:50) How Much Life Insurance Do You Need?

(00:41:20) Buying Life Insurance on Young Children

(00:44:54) It’s So Hard to Max Out All of Your Registered Accounts

(00:46:23) AI and Financial Planning

(00:52:59) Rental Real Estate in 2025

(00:55:32) Any Risks with the Rise of Passive Investing?

(00:58:13) Parents Are Gifting More Money

(01:00:39) When Financial Advisor Fees Are Worth It

(01:04:10) Conclusion

Our guest this episode is Jason Heath—Managing Director at Objective Financial Partners and one of Canada’s most respected fee-only/advice-only financial planners.

In this episode, Dave and Jason cover the foundations of financial planning in Canada, tackling hot-button topics like RRSPs vs. TFSAs, reverse mortgages, annuities, CPP/OAS timing, insurance planning, estate-planning pitfalls and more. They also discuss how to prioritize financial goals, avoid common mistakes and build a plan that actually works in the real world.

Whether you’re planning for retirement, building your financial future or just want a clearer understanding of how all the pieces fit together, this episode is a masterclass in financial planning.

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Jason Heath

(03:00) The Rising Cost of Living in Canada

(05:00) The Pros and Cons of Getting Financial Information from Finfluencers

(10:06) Investing vs. Financial Planning

(12:47) Objective Financial Partner’s Clients and Services

(15:10) Estate Planning

(18:41) Reverse Mortgages Get a Bad Rap

(21:04) Use Cases for Annuities

(24:24) People Don’t Want to Listen to the Experts and Defer CPP and OAS

(25:31) TFSAs vs. RRSPs

(27:54) Decumulation Planning for Retirees

(33:01) Disability Insurance

(35:29) Life Insurance

(40:04) Gifting Money to Kids

(41:52) Estate Planning Mistakes

(44:24) The Importance of Prioritization in Financial Planning

(49:34) Financial Education and Finding Balance

Our guest this episode is Steve Saretsky—a top 1% realtor in Vancouver and the host of one of Canada’s most popular real estate YouTube channels and the podcast “The Loonie Hour.”

In this wide-ranging conversation, Dave and Steve explore the current state and uncertain future of Canada’s real estate market. They talk about the collapse of the condo market, cancelled development projects, rising risk for lenders and whether sellers are finally starting to accept reality. Steve also shares his insights on affordability challenges, the impact of immigration, which markets still offer value and why detached homes remain the dream for many Canadians.

If you’re trying to make sense of the Canadian housing market—whether you’re a buyer, seller, investor, or just a curious observer—this episode offers a candid, data-driven and often surprising look at where things stand.

Show Notes

(00:00) Intro & Disclaimer

(00:55) Intro to Steve Saretsky

(03:06) The Collapse of Canada’s Condo Market

(06:45) Where Are Real Estate Prices Headed?

(10:08) Are Real Estate Developers and Lenders in Trouble?

(14:38) Layoffs at Real Estate Development Companies

(17:01) Lend and Pretend

(19:00) Cancelled Development Project in Vancouver

(21:15) What Caused the Crazy Real Estate Market in 2021?

(24:46) Are Sellers Being Too Stubborn?

(26:50) First-Time Homebuyers Can’t Move Up

(30:49) The Impact of Immigration on the Real Estate Market (32:40) Most People Still Want a Detached Home

(39:02) Which Markets Are Still Affordable in Canada?

(41:44) Landlord Challenges & Investing Across Provinces

(48:49) The Cottage Real Estate Market

(50:56) Policy Changes to Fix the Canadian Real Estate Market

(53:45) Land Costs Drive All Prices Up

(56:01) Conclusion