Wealth On Main Street

Wealth Without Bay Street EPISODE 122: On today’s episode of Wealth Without Baystreet, Richard and Jayson walk you through 7 easy steps that you can follow to become your own banker. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:54 Set Yourself in a Strong Foundation 6:21 Brief Runthrough the Seven Steps 8:51 Reading Through Nelson’s Book Well 12:08 Different Learning Methods Makes it Engaging 15:02 You Can Decide When to Call it Quits 16:29 You Will Need the Book 19:37 Bonus Steps After

Listen to Real Life Canada market crash stories 2022 and learn how you can Protect Your wealth. Get the FREE report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/ Wealth Without Bay Street EPISODE 121: In Wealth Without Bay Street EPISODE 121, Richard Canfield and Dan Allen share personal Canadian market crash stories they have each experienced from various market cycles. Dan reflects on his memory of the increasing interest rates in Canada during the early 1980s and a missed opportunity on oil company stock options. Richard tells 3 warning tales of Canadian Real Estate market crashes that impacted him financially. How one property dropped in value almost ten times and negative cash flow and staging a coup for a condo board. The third tale is a warning for investors lending money on secured mortgages. Richard just barely squeaked out of a private second mortgage deal where all of his capital was at the risk of loss. Contrast all of that to the peaceful stress free nature of contractually growing cash values with The Infinite Banking Concept in Canada. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 3:18 Flux of Change in the Market 5:44 Two Rules to Remember 7:54 Stock Market Crash in ‘08-’09 10:57 Investing Vs. Speculating 17:31 Learn From Successful Business Models 19:20 Dan Tells How He Lost Out on Company Stock Options 22:31 Richard Loses Money on a Rental Property 28:49 Richard Loses Money on a Land Development Deal 31:13 Richard Almost Loses Everything on a 2nd Mortgage Deal 38:09 Learning From Previous Mistakes 40:00 Do Your Homework Before Investing

Wealth Without Bay Street EPISODE 120: Featured on today’s episode is Henry Wong, explaining how you, as a business owner, can avoid corporate tax landmines in Canada. Henry is a professional CPA and trains other CPA’s across Canada specializing in taxation and passing through the nationals exams. He chanced upon the book “Becoming Your Own Banker” and began to piece together all his knowledge of life insurance and financial accounting and soon began to pursue the journey of becoming his own banker. Henry now trains others as an accountant in how to build their own personal capital pool and manage their taxation through IBC. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 3:14 The Flow of Capital 5:29 The Theory of Integration 10:21 Landmine #1 – Shareholders Get Benefits From Their Company 15:47 Landmine #2 – Shareholder Borrowing 21:42 Golini Case Study 29:49 What Can Happen If You Go With Shareholder Borrowing 33:51 Know Your Fine Print 38:25 Get Connected With The Right Advisors Golini Case File https://www.canlii.org/en/ca/tcc/doc/2016/2016tcc174/2016tcc174.html Tax Court Ruling a Cautionary Tale for Small Business Owners https://www.advisor.ca/columnists_/florence-marino/shareholder-borrowing-is-a-shareholder-benefit-but-how-much-is-it-worth/

Wealth Without Bay Street EPISODE 119: This episode of Wealth Without Baystreet features Bruce Wehner and Rachel Marshall. Bruce Wehner is the lead advisor of The Money Advantage, where he designs and communicates the individualized solutions that help their clients increase cash flow and financial control. He is a Nelson Nash Institute Authorized Infinite Banking Practitioner who has been practicing Infinite Banking since his parents started his first policy when he was a young child. Rachel Marshall is the Co-Founder, Chief Financial Educator, and Content Strategist of The Money Advantage. She’s currently writing a book about her near-death experience and how it became the springboard for her family’s multi-generational legacy of more than money. Bruce and Rachel are the co-hosts of The Money Advantage podcast, the popular business and personal finance show. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:38 The Money Advantage – How It All Started 7:00 Grasping A Firm Understanding 11:59 Finding The Right Audience 15:05 Bruce’s Journey With IBC 22:02 Rachel’s Journey With IBC 25:31 Reading And Other Learning Mediums 30:08 How The Message Gains Traction 33:50 Always Get Back To The Fundamentals 43:50 Dealing With Negative Comments 52:05 Rachel’s Near-Death Experience Website: https://themoneyadvantage.com/ LinkedIn: https://www.linkedin.com/company/themoneyadvantage Facebook: https://www.facebook.com/TheMoneyAdvantage Twitter: https://twitter.com/Money_Advantage Instagram: https://www.instagram.com/themoneyadvantage/ YouTube: https://www.youtube.com/c/TheMoneyAdvantage Rachel Marshall:https://www.linkedin.com/in/rachelmmarshall/ Bruce Wehner: https://www.linkedin.com/in/bruce-wehner-5619b5a

Wealth Without Bay Street EPISODE 118: Featuring on this episode of Wealth Without Baystreet are David Zumpano and Guy Remond. David Zumpano started out as an estate planner, founding The Estate Planner Law Center in 1995. Over the years David has also founded the Medicaid Practice Systems, LLC in 2010 and has authored Protect Your IRA, Avoid the 5 Common Mistakes, a contributory book offering for Estate planning attorneys in 2015. David now continues his journey helping estate planning and elder law attorneys build purpose driven practices with personal and professional balance. Guy Remond has over 20 years in the tech, software & consulting/advisory industries, as a founder, director, investor and advisor. Following his passion Guy branched out into the technical world, in 2001 and was a founding member and CEO of Cake Solutions Ltd. Guy has invested in a number of companies and is actively working with these companies in a non-executive director or chairman role, helping them to fulfill the leadership's drive to a successful outcome. David and Guy have been partners in building Guidr, a digital, easy to use client interface platform released to lawyers, changing the industry by digitizing how lawyers communicate with clients to meet the demands of the modern technological advancements consumers have come to expect. In October 2021, Dave and his technology partner, Guy Remond, co-authored; The Digitization of Law; How to transform technology disruptions into abounding opportunities, which provides the basis and support for the future of the law practice incorporating digital technology. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:36 How Guidr Was Born 14:12 Guidr And Its Features 18:28 How Does Guidr Work 19:24 Maintaining a Relationship With Your Attorney 20:54 To Have the Law Digitized, Democratized, Demonitized 26:04 Creating a Convenient Solution 28:17 Confidentiality and Ethics 32:04 Guidr Is The Future 38:13 Adapting As Technology Advances 42:42 Understanding The Consumers 48:54 Creating Value As An Entrepreneur 51:18 Who Would David Want To Be a Hero To 52:14 Who Would Guy Want To Be a Hero To Guy: https://www.linkedin.com/in/guyremond/ Dave: https://www.linkedin.com/in/david-zumpano-a0208119a/ Follow Guidr on: Facebook: https://www.facebook.com/guidr.legal Instagram: https://www.instagram.com/accounts/login/?next=/guidr.legal/ LinkedIn: https://www.linkedin.com/company/guidr-legal/ Twitter: https://twitter.com/GuidrLegal YouTube: https://www.youtube.com/channel/UChhBZLky0pllzqCEXU6c-AQ

Wealth Without Bay Street EPISODE 117: Joining us today is Henry Wong to talk about taxation on your business that may happen after you’re gone. Henry is a professional CPA and trains other CPA’s across Canada specialising in taxation and passing through the nationals exams. He chanced upon the book “Becoming Your Own Banker” and began to piece together all his knowledge of life insurance and financial accounting and soon began to pursue the journey of becoming his own banker. Henry now trains others as an accountant in how to build their own personal capital pool and manage their taxation through IBC. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:04 Something to Think About as a Business Owner 5:18 Second Death and Income Tax Act in Canada 7:46 What is the Deemed Disposition 11:33 How Can This Affect the Business 15:52 Capital Flow of a Business 19:03 Levels of Taxes and Extracting Tax 22:36 Value of The Business Owner 24:44 Working Together With the CPA 28:38 Estate Planning and Deemed Disposition 37:33 Wind-up and Carry Back 39:48 Pipeline Restructure 44:17 Working With a Good Team 47:08 Succession Planning 50:01 Utilizing Term Insurance 56:17 Need For Insurance 1:01:21 What’s Best For You and Your Business

Wealth Without Bay Street EPISODE 115: Today on Wealth Without Baystreet, Richard and Jayson discuss how ensuring a key person or people in your business can be helpful and beneficial in case something happens. Providing a benefit or incentive can be good for both your employee and your business as you never know what will happen. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:10 How Do Large Corporations Utilize This 6:10 Good Businesses find Ways To Keep Employees Happy 10:15 How Long Should The Business Wait To Implement This 13:52 What If They’re Uninsurable? 17:50 Keep Key Employees Safe During Travel

Wealth Without Bay Street EPISODE 114: Featuring on today’s episode of Wealth Without Baystreet is Elizabeth Kelly, an experienced real estate investor for more than 15 years. Elizabeth has a passion for helping people achieve their financial dreams through the purchase of investment properties. She specializes in the acquisition and management of Rent to Own and multi-unit residential properties. In 2019, she opened ‘Elizabeth Kelly Consulting and Coaching’ to assist both new and experienced investors in planning, structuring and creatively financing their real estate portfolio so they can enjoy early retirement and leave a legacy for their families. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:21 Elizabeth’s Real Estate Investment Journey 5:03 Common Mistakes Made By New Investors 8:18 The Start of EK Consulting 12:17 What is Your Objective as an Investor 16:51 You Need Back-up Plans 22:00 How IBC Can Help You Invest in Real Estate 25:58 Protection Against Inflation 33:43 Is It Too Good To Be True 43:34 Can IBC Replace RRSP 53:21 Who Would Elizabeth Want To Be a Hero To Instagram: @elizabethkellyconsulting Facebook: https://www.facebook.com/EKConsulting.ca/ E-Mail: [email protected] Website: ekconsulting.ca

Wealth Without Bay Street EPISODE 113: Today on Wealth Without Baystreet, Richard and Jayson talk about an example from Nelson Nash’s book, ‘Becoming Your Own Banker.’ The example of how the steam engine revolutionized transportation and how you can revolutionize your finances with the help of the Infinite Banking Concept. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:36 Watch Out For Future Bootcamps 3:18 Importance of Having a Strong Foundation 5:39 Introducing ‘Becoming Your Own Banker’ 12:26 Nelson’s 212° Phenomenon 16:47 Don't Be Afraid to Capitalize 20:30 Paying the Policy Premium 24:01 Be Proactive Not Reactive

Wealth Without Bay Street EPISODE 112: Featuring on today’s episode of Wealth Without Baystreet is Harper Jones, an advocate for the Infinite Banking Concept (IBC) and a wealth strategist at CreateTailwind. Create Tailwind coach people how to Become Their Own Banker by taking control of the flow of their money. Harper uses his IBC system to invest in real estate and businesses and helps other people interested in the same approach. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:35 Harper’s Journey With IBC and Real Estate 8:09 Helping Educate Others 11:37 Using IBC to Invest in Real Estate 14:39 A Real Life Example 20:19 Reap the Benefits of What You Sow 24:48 You Can Always Capitalize The System More 26:12 Harper’s Guidance For New Comers 29:09 Who Would Martin Want To Be a Hero To Website: https://createtailwind.com/ Email: [email protected] LinkedIn: https://www.linkedin.com/in/harperajones

Wealth Without Bay Street EPISODE 111: Today on Wealth Without Baystreet, Richard and Jayson discuss how your whole life insurance policy cash value can be protected in Canada with Assuris. As Richard says Assuris is the insurance company for insurance companies. Join us as we take a look into what they do and how it can help you too. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:28 Policyholder Protections in Canada 3:33 About Assuris 5:53 The Minimum Requirements 8:47 Non-Profit vs. Private Insurance Companies 9:59 LICAT Ratios 13:59 Regulations For Insurance Companies 19:42 Do They Meet Consumer Demand? 21:49 Business Model of an Insurance Company 26:04 Two Masters of Insurance Companies ASSURIS Protection:http://assuris.ca/ Assuris Funding: https://assuris.ca/about-us/assuris-funding/ Assuris Past uses:https://assuris.ca/about-us/experts-in-protecting-policyholders/ LICAT – Capital Adequecy: https://www.osfi-bsif.gc.ca/Eng/fi-if/rg-ro/gdn-ort/gl-ld/Pages/LICAT19_index.aspx

Wealth Without Bay Street EPISODE 110: On today’s episode of Wealth Without Baystreet, your hosts, Richard Canfieldand Jayson Lowe discuss Infinite Banking Policies and examples from Nelson Nash’s book, Becoming Your Own Banker. Join us as Jayson also review’s a 10 year policy for us. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:22 Don’t Be Afraid to Capitalize 5:01 It’s An Investment For The Family 12:05 Learning With Visual Examples 15:43 Capitalizing Your Policy 22:18 Learn From Someone With Experience 28:41 Banks and Control 31:31 More About Nelson Nelson Nash Videos Playlist: https://www.youtube.com/playlist?list=PLabDKeNku_F8aBM-55QoEj4vD9mQC5Hpi

Wealth Without Bay Street EPISODE #109: Joining us on today’s episode is agricultural expert and part-time farmer, John McArthur, in our Client Series. John learnt about the Infinite Banking Concept and curious to know more about it, got in touch with his coach Vernon McCarty, who has also joined us for this episode. John’s journey about learning to be his own banker has been an amazing one and he shares how it has helped his family and his farm today. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:16 John’s Introduction to IBC 5:35 Gaining Control With IBC 10:01 Process of Learning 12:57 Generational Possibilities 18:19 Investing in the Family and Farm 22:33 A Good Coach Takes You a Long Way 31:44 Having Your Own Bank 37:25 Who Would Want To John Be A Hero To

Wealth Without Bay Street EPISODE #108: Today on the Wealth Without Baystreet Podcast we discuss the whole life policy and how to get it approved. Many times people do not invest in life insurance as they think that they might not get approved because of pre-existing conditions. Join us today in learning how you can get your whole life policy approved and what it means for you. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 3:18 Getting Started With an Application 6:01 Rated Version vs. Standard Version 13:49 Find Out If You’re Approvable 24:10 Why This Article Should Bother You

Wealth Without Bay Street EPISODE #106: On today’s episode of Wealth Without Bay Street, featured on our client series is Martin Kuev. Martin has worked in executive Marketing and General Management positions for many Leading Fortune 500 companies including Coca-Cola, Kraft Foods, Nestle, Philips, and Dr. Pepper Snapple. With this, a disciplined and fully transparent approach is utilized to analyze opportunities, manage investments, and work with partners. Over the years Martin learnt about real estate investing and has now been doing it for more than ten years. He now manages MK Properties with a team of other professionals. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:09 Starting Real Estate Investment 4:18 More to Real Estate Than You Think! 6:57 Similarities Between IBC and Real Estate Investments 12:47 Getting Started With Real Estate Investing 15:43 Biggest Regrets of Real Estate Investors 19:01 Analyzing Risk and Fear 30:51 Martin’s Advice for Starters 33:45 Who Would Martin Want To Be a Hero To

Wealth Without Bay Street EPISODE #106: On today’s episode of Wealth Without Baystreet, Jayson and Richard challenge an article’s view about taxing homeowners in Canada. The Canada Mortgage and Housing Corporation supports the proposal of a surtax on homes valued at $1 million or more. Jayson and Richard talk about how this would hurt the middle class, hard working citizens of the country. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:48 Looking Into The Article 5:20 Digging Deeper Into The Problem 10:02 The Government’s Spending Problem 14:59 Origin of Income Tax in Canada 16:37 Real Estate Values 24:10 Why This Article Should Bother You BNN Bloomberg Article: https://www.bnnbloomberg.ca/cmhc-backed-report-calls-for-surtax-on-1m-homes-1.1703518?fbclid=IwAR2T9R14BWOfNlHLGCYaUg6tBddcSTfjZLgY678wLsnCKIWSRC8rxGNTa8o Federal Reserve Money Supply Graph: https://fred.stlouisfed.org/series/M1SL

Wealth Without Bay Street EPISODE #105: Today on Wealth Without Baystreet have Mike Grantis featured as our very first guest on the crypto series. Mike is the Managing Director of the crypto venture capital firm Contango Digital Assets, as well as a Partner at the web3 incubator, Blockscale Studio. He also owns CryptoWeekly, a multi-channel crypto media platform focused on educating investors and reporting top news in the industry. He is passionate about educating those who are interested in understanding how cryptocurrency works and in 2020, Mike launched Bitcoin 101. Bitcoin 101 is an educational course taken by over 13,000 students spanning 57 countries. Mike has been a guest speaker at multiple crypto summits discussing Bitcoin, NFT’s, Defi and the Metaverse. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 3:11 What is Crypto and Bitcoin? 8:38 Our Bitcoin Predictions 13:34 Fixed Supply, Rising Value 15:20 Bitcoin Vs. Other Assets 20:02 Bitcoin 101 30:22 Exploring Ethereum 35:50 The Deal About NFTs 44:17 Flexibility of NFTs 48:08 Who Would Mike Want To Be a Hero To

Wealth Without Bay Street EPISODE #104: Today on Wealth Without Baystreet, we are pleased to have Bryan S. Bloom. Bryan has been a CPA for more than 35 years, throughout those years he was involved in income tax returns as well as planning a retirement. His experience in planning retirement comes from helping individuals practically plan their retirement over the past 15 years. Bryan has also authored five books, the series Confessions of a CPA, which reveals why what he was taught to be true as a CPA turned out not to be true. He says, “We have no chance of success if we follow what we are taught in academia, traditional planning, and the popular media.” Bryan and his wife, Pam celebrate 40 years of marriage together and have two daughters and four grandchildren. For Bryan, retirement is enjoying the joy of his life and sharing it with people around the country some of the financial realities in life that differ greatly from what we have all been taught to believe. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 4:40 Confessions of a CPA 7:17 To Pay Taxes on the Harvest or the Seed? 13:19 How to Have a Conversation With a CPA 17:46 The Original Insurance Concept 21:54 Learn and Work With Experienced People 30:34 Employer Retirement Plan 40:52 Policy Loans From Life Insurance Contracts 48:52 Who Would Bryan Want To Be a Hero To

Wealth Without Bay Street EPISODE #103: Today on Wealth Without Baystreet, we have Justin Breen featuring on the Entrepreneurship series. Justin is the founder and CEO of BrEpic Communications LLC, a PR firm that works exclusively with visionaries and exceptional businesses around the world. He has won dozens of editing and writing awards and is an author of countless viral stories. Justin is hard-wired to seek out and create viral, thought-provoking stories that the media craves, and he finds the best stories when he networks with visionary entrepreneurs and executives who understand the value of investing in themselves and their businesses. He has built an international network of extraordinary people and believes strongly in the power of introductions and creating important relationships through those introductions. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:56 Building a Better Future for the Next Generation 7:09 The Kolbe A Index 13:04 Finding the Right Business Partner 16:22 Power of Communication and Social Media 22:18 Making the Right Connections 26:53 Justin’s Inspiration to Write 42:06 Who Would Justin Want to be a Hero to

Wealth Without Bay Street EPISODE #102: Today on Wealth Without Baystreet, we have Dan McMullen featuring on the client series. Dan is a high school teacher in Markham, Ontario. He has been investing in real estate since 2019 and currently holds 3 properties in the portfolio. Student Rentals and Duplexes have been the main strategy thus far in his real estate holdings. In 2019 he was introduced to IBC and was given Nelson Nash’s book ‘Becoming Your Own Banker’ by his coach Peter Lount, who is also featured on this episode. Since this time, he has quickly created a system of policies that are working towards a better financial future for his family. Dan has a strong desire to continue his journey of creating more passive income and contributes his current success to many factors that include, establishing a growth mindset, creating a power team of like-minded investors and taking action when opportunities arise. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:58 Real Estate to IBC Pipeline 6:18 Why Dan Chose IBC 9:04 Dan’s Journey With IBC 14:56 Having the Right Coach 21:00 Benefits of IBC 30:42 Living an Intentional and Secure Life 39:31 Who Would Dan Want to be a Hero to

Susan Latremoille has been a wealth advisor for over 35 years. Susan assisted her clients to financially plan for their retirements and managing their investments. She saw a common thread among her clients. Having enough money to retire was only a piece of the retirement puzzle. It was the non-financial side that had the greatest impact on the predictability of a successful retirement. Susan is a Co-Founder and Partner in Next Chapter Lifestyle Advisors. She is a Family Enterprise Advisor, FEA, (Family Enterprise Exchange), and holds an Executive MBA. She is also a certified Retirement Coach (CPRC) and an Expert Level SuccessFinder Practitioner. Susan is the author of The RichLife – Managing Wealth and Purpose, It’s Not Just about the Money – The Whole Life Approach to Wealth Management, and co-author of On the Shoulders of Atlas- a Story about Transitioning a Family Owned Business and co-author – Thriving Throughout Your Retirement Transition. She is a world traveller, mom, grandmother, certified yoga teacher, and enjoys her time as a roof-top gardener as well. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:00 Susan’s Inspiration 9:04 Managing Wealth and Purpose 15:59 Next Chapter Lifestyle Game Plan 21:29 Relationships and Retirement 25:25 Learning New Skills 28:21 Health and Longevity 34:50 Long term Goals and Retirement Objectives 41:37 Who Would Susan Be a Hero To Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

EPISODE 100! Today is a milestone for all of us at Wealth Without Bay Street and Ascendant Financial. 100 podcast episodes released of the Wealth Without Bay Street. Thank you to all of our listeners who have journeyed with us and we hope that you have gotten value from our show as you walk on the path of Becoming Your Own Banker. In this episode, we talk about the taxation of policy loans in Canada. It is important to know your whole life insurance policy and how you can have a guaranteed loan provision through your policy. Learn about the Adjusted Cost Basis of your policies and the Net Cost of Pure Insurance, which can cause problems for you down the road. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:38 Knowing Your Policy 3:07 Adjusted Cost Basis 6:44 What is NCPI 11:41 Relationship Between NCPI and ACB 14:50 Forfeiting the Policy 16:33 Withdrawing the Policy 18:18 Materializing Death Benefits 21:06 Collateral for Loans 25:29 Do Not Do Business With Banks 31:41 Dynamic Capital Adequacy Testing 38:08 More About Policy Loans Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

Episode 99. In this episode of Wealth Without Bay Street, we take a look into legends like Wayne Gretzky and what makes them great. Hard work, commitment and potential are some of the things we all have but it’s how we utilize them that sets us apart. Join us as we talk about how you can set and achieve your goals and dreams and how you can start your journey of greatness. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:39 Recognizing Potential 3:27 Talent vs. Hard Work 7:36 Surroundings and Environment Matter 12:17 Have a Goal and a Dream 20:43 Measuring Your Goals 24:48 Accountability With Your Goals Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

This week’s episode in the entrepreneurship series features Jeffrey Feldberg, Co-Founder and CEO of Deep Wealth. After graduating from his MBA program, Jeffrey launched his first company, Embanet. As an industry leader, Embanet created a market disruption in higher education. Jeffrey's mission now is to help you capture the maximum value in your liquidity event. Through Deep Wealth Experience, you can master the same 9-step road map that Jeffrey created for his 9-figure exit. For Jeffrey, business owners are dreamers and change-makers who put everything on the line and win against all the odds. His passion lies in helping business owners achieve their goals and dreams. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:10 More About Deep Wealth 4:33 Waiting For the Right Offer 8:13 Maximizing the Liquidity Value 14:58 Life After the Liquidity Event 21:42 Deal Breakers and Deal Closers 30:05 Who Would Jeffery Be a Hero To Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

Featuring on this week’s series about entrepreneurship is Jon Dwoskin, an executive advisor, business coach, founder and CEO of the Jon Dwoskin Experience. Having been through his own share of ups and downs in life and in business, Jon is able to help people with theirs. As Jon says, “I grow businesses big, very big.” You can join today’s episode to learn how he does it and how his journey has been. Jon claims he has been able to be the amazing coach he is to people because of the great coaching he himself has received. He takes great pride in his businesses and is always willing to help you get unstuck and grow your business very big! IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:41 Star of Jon’s Business Ventures 5:22 Patterns in Business Owners That Get Stuck 10:33 Jon’s Ideal Clients to Work With 13:36 Why You Need a Coach 19:54 Value of Coaching 25:59 Thinking Bigger 30:34 Jon’s Battle with Cancer 40:05 Who Would Jon Be a Hero To Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

What are the myths of insurance lending in Canada? Jayson Lowe and Richard Canfield discuss an article from a Bank that tries to dispel 7 myths of insurance lending in Canada. Many Canadians do not know that cash value policies are often lent on by 3rd party banks. It's actually the most popular way Canadians have been getting access to their collateral is from commercial banks. Banks want you to borrow from them. It is that simple. They will do everything in their power to market their loan products to you so they can collect as much interest volume in the form of cash flow payments coming back to their institution. They even have special departments that focus their energy on unique cash surrender value lending products. In this episode, Richard Canfield and Jayson Lowe ask you to think about the reasons why banks want to lend against these powerful contracts. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:54 Myth #1: Wealthy People Don’t Need To Borrow Money 6:56 Myth #2: Insurance Lending Is Expensive 11:19: Myth #3: Clients Have To Take On More Debt 19:35: Myth #4: Insurance Lending Is Risky 24:20: Myth #5: Clients Must Go To The Insurance Company For A Policy Loan 26:46 Myth #6: Insurance Lending Suits Only Affluent Clients And Business Owners 29:42 Myth #7: Clients Don't Have To Qualify For A Loan Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

This episode of Wealth Without Baystreet features Chris Bay, an Infinite Banking Coach at Life, Success and Legacy. He is the Author of ‘Family Banking with Purpose: A Story About Financial Freedom Through Infinite Banking’. Applying his twenty-two years in education and his leadership background as a principal, Chris gains great satisfaction in helping others understand how to apply IBC in their own lives. He became an Authorized Infinite Banking Concept Practitioner with the Nelson Nash Institute. Chris lives in Lawrence, Kansas, with his wife, Shawn, their two daughters, Lily and Addie, two cats, three chickens, and one old dog who puts up with the rest. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 5:17 Chris’ Inspiration for His Book 8:42 What to Take Away From Chris’ Book 15:02 Power of Family Banking 21:20 Changing Your Wind Current 25:50 Education the Next Generation on Infinite Banking 28:29 A Fond Moment with Nelson 37:12 Who Would Chris Want to be a Hero to Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

Featuring on today’s episode of Wealth Without Baystreet, Connor Boyack is the founder and president of Libertas Institute, an award-winning free-market think tank. Named one of Utah's most politically influential people by The Salt Lake Tribune, Connor's leadership has led to dozens of significant legislative victories spanning a wide range of areas such as privacy, government transparency, property rights, drug policy, education, personal freedom, and more. He is a public speaker and author of 30 books and Connor is best known for The Tuttle Twins books, a children’s series introducing young readers to economic, political, and civic principles. Connor lives near Salt Lake City, Utah, with his wife and two homeschooled children. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:08 Connor’s Inspiration 4:52 Tuttle Twins Under Attack 9:37 Monetizing Your Haters 12:49 Taking a Stand 17:40 How Did Tuttle Twins Start 23:07 Being Politically Aware 33:51 Education Our Children Right 40:07 Who Would Connor Want to be a Hero to Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

In today’s episode of Wealth Without Baystreet, we have Cody Yeh featuring on the client series. Cody is a first-generation immigrant from Taiwan who came to Canada at the age of 18, went to university as an engineer, got a white-collar job but wasn’t satisfied with it. Over the past 11 years, he transitioned from being a student to a full-time project manager to a financial coach, real estate investor, and stock options investor. Cody is now building an empire to help out more people to reach financial independence just as he did. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:23 Cody’s Introduction to IBC 8:25 Thinking Long Term 11:57 Transitioning From Being a Student to Being Financially Independent 17:02 Cody’s Experience with Option Trading 20:12 What’s the Right Time to Invest? 38:25 Investments in the Long Term 37:55 Becoming Your Own Banker 40:48 Who Would Cody Want to be a Hero to Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

This episode of Wealth Without Baystreet features Dwayne Burnell, a Fiduciary and Wealth Strategist. Dwayne is also the author of two best-selling books on personal finance. He empowers individuals, families, and business owners to take control of their financial future. He has helped clients across the country—many of them referrals—achieve the security and peace of mind they've always wanted but didn't know how to get. Financial education and empowerment form the cornerstone of Dwayne's approach. Working in close partnership with each client, Dwayne crafts a comprehensive financial strategy that focuses on the core needs, values, and financial concerns of each client. Dwayne works to ensure your money and financial savings grow by building a customized financial strategy that provides financial growth while protecting your money from loss. Dwayne received his MBA from the University of Tennessee and his BBA from the University of Oklahoma. Dwayne is a licensed practitioner in over 40 states and welcomes new clients from anywhere in the country. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:49 ‘Financial Peace of Mind’ and ‘Financial Independence in the 21st Century 9:46 Greatest Gift You Can Give Your Children 16:56 Saving vs. Investing 17:24 Having Access to Money 27:56 Power of Life Insurance 35:01 Choosing the Right Agent 38:02 Who Would Dwayne Want to be a Hero to Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

On today’s episode of Wealth Without Baystreet, Shalev Amar joins us to share about his experience with trauma and how he has learned to overcome it. Shalev has been an attorney for 17 years and has spent thousands of hours over the last 9 years studying trauma, psychology, and emotional healing methods. He’s passionate about this topic because he and his family have suffered through generational cycles of trauma and he is committed to breaking that cycle. His mission is to teach people how to overcome their trauma so that they don't suffer and pass it on. The next step in Shalev’s life after he transitions from the practice of law is to teach people how to process, release, and heal trauma full time, but for now he wants to share the methods he has learned with others. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:59 Shalev’s Journey with Trauma 10:15 Generational Trauma and Masculinity 17:31 Monetary Issues and Trauma 23:00 Three Types of People 26:08 Why We Need to Set Boundaries 29:34 Have Someone Help You 34:05 Getting Better 40:34 Looking Back at Your Childhood Can Help 50:52 Who Would Shalev Want to be a Hero to Get The FREE special report 7 Simple Steps to Becoming Your Own Banker – http://7steps.ca/

On today’s episode of the advisors series, Henry Wong joins us to talk about his experience as an Infinite Banking practitioner and advisor coming from an accounting background. Henry is a professional CPA and trains other CPA’s across Canada specializing in taxation and passing through the nationals exams. He chanced upon the book “Becoming Your Own Banker” and began to piece together all his knowledge of life insurance and financial accounting and soon began to pursue the journey of becoming his own banker. Henry now trains others as an accountant in how to build their own personal capital pool and manage their taxation through IBC. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:45 Henry’s life before discovering IBC 10:37 The process of becoming your own banker 13:47 Picking up the Becoming Your Own Banker book 16:43 How Henry became and IBC practitioner 21:45 The potential of CPA’s and accountants adopting IBC 24:35 What energizes Henry while working with clients 35:06 Who Henry would like to be a hero to

CLIENT SERIES. In today’s episode of Wealth Without Baystreet, we have Recas Forbes featuring on the client series. Recas has lived with his wife and two kids in Calgary for the past two years. For many decades, they lived in debt, burning through their savings to pay it off. Since he started practicing IBC three years ago, Recas and his wife have been able to pay off most of the bills that were due and are able to create special memories by travelling together as a family, something that was only a dream before. What Recas most loves about IBC is that it is such an easy, stress-free way of life that has been able to liberate them and allow them to approach retirement and support their children without having to worry about it. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 6:37 Recas’ experience through the process of becoming your own banker 10:29 Freedom to create memories as a family 16:08 IBC is too good to be true – but it is all true 18:15 Implementing IBC for his wife and kids 21:14 The ease of bill payments through policy loans 25:49 The rate of return on a peaceful stress-free life 32:37 The joy of firing your bankers 38:15 Who Recas would like to be a hero to Want to know the seven simple steps for becoming your own banker? Visit – https://wealthwithoutbaystreet.com/7steps/

A special Tribute episode number 88. Today we celebrate the life and legacy of the late R. Nelson Nash (1931 – 2019), the father and founder of the Infinite Banking Concept and author of the book “Becoming Your Own Banker”. Nelson has impacted the lives of thousands of people within the IBC community and continues to do so. He used every moment as an opportunity to continuously learn and champion this message. Nelson passed away at the age of 88, if you turn the 8 over on its side, it represents the infinite sign. The Wealth Without Bay Street Podcast and all that we do through our work would not be possible if it were not for Nelson Nash. We are forever grateful for his life and record this episode to reflect and reminisce on the special memories we have shared with him over the years. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 1:53 The significance of 88 4:21 The impact of the Nelson Nash documentary 5:58 Leaving a legacy that matters 8:15 Memories from the think tank conference 11:46 How Nelson delivered his seminars 14:59 Recording the documentary 18:57 The generations of Becoming Your Own Banker book editions 22:48 Paying our final respects to Nelson Nash 23:54 What would Nelson do? 28:03 Resources to learn about IBC and Nelson’s life 33:43 The historical growth of Nelson’s policies 37:27 Special memories of Nelson with Richard and Jayson Nelson Nash At the Freedom Advisors Live Event: https://www.youtube.com/watch?v=ILkaBcWO_k0

CLIENT SERIES Epsiode: On today’s episode of the Client Series, Curtis Arnold is a celebrated Mortgage broker and real estate investor for almost 20 years based out of Calgary, Alberta. He is currently a mortgage specialist with Quantus Mortgage Solutions. Discovering IBC has helped Curtis build a steady and accessible capital pool that has helped him diversify his portfolio from real estate to a range of investments as well as ensure that each of his holdings is sustainable and within control. He recently started taking a course on “Land Development As A Profitable Investment” and started a company in April, already profiting on a Land Development Deal. He grew up on a farm in Sask and is the father of 3 lovely daughters and married to his beautiful wife for 11 years this year. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:08 The role of IBC in real estate investing 3:30 The power of capital on demand 6:37 Going through the cycles of the market 10:40 Understanding the value of insurance 21:05 Getting into the real estate business 29:32 When partnerships don’t go well 33:13 Advice to IBC seekers and skeptics 34:33 Who Curtis would like to be a hero to

Gina Yarrish helps business owners and entrepreneurs get over the fears of selling, self-sabotage and reluctance so they can easily double and triple revenue all with a 1200-pound package. She is the founder and CEO of Yarcot with a 30-year career leading her million-dollar real estate business to where she is today. She has spent the past two decades studying human behavior, selling tactics and stress. She is the author of the #1 Best Selling Book – Harness Your Purpose, Power and Peace. The bottom line: Gina believes peace, happiness and health comes from within and unless you’re conditioning your thinking then you get what life offers instead of what you deserve. Her gift of breaking down emotional barriers to selling from the heart, having healthy conversation and stimulating the growth and economy. Through her contagious, positive and uplifting energy Gina will leave you inspired and motivated and hungry for more. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:54 What inspired Gina to write her bestselling book 10:26 The key message behind “Harness Your Purpose, Power and Peace” 12:59 Understanding life coaching through working with horses 19:30 Quieting the mind and the mouth 24:37 Tips on real estate investing 33:24 Creating pitches that attracts leads and referrals 40:21 Who Gina wants to be a hero to

In this episode of the advisor series, Peter Lount is a licensed IBC practitioner and advisor with Ascendant Financial since 2019. He helps households and businesses to focus on their goals and passions by eliminating concerns about money through coaching people on how to control the banking function in their life. He got into IBC because he wasn't happy with his job and financial strategy and was seeking more freedom and control in both areas, leaving the traditional method to find something better. With a voracious appetite to seek and learn, he was led to IBC and the Ascendant team, practicing it on his own life for a couple of years before deciding to make the shift to becoming an advisor. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:10 How Peter got started with practising IBC 5:58 Investing in learning and personal development 8:41 IBC Think Tank conference 11:46 The more you see you didn’t see 14:42 Advice to people considering IBC 16:45 Peter’s biggest learning takeaway from Nelson Nash’s book 19:59 The impact of R. Nelson Nash 23:32 Who Peter wants to be a hero to

The Pirates of Manhattan author Barry James Dyke is The Economic Warrior, with his epic research into the darkest reaches of the banking industry and private equity firms. Barry has been at the forefront of exposing the banking truths that are happening behind the scenes as massive amounts of capital flow through the largest investment and commercial banks and private equity firms. Government Printing and spending, fractional reserve lending, and large pension funds taking over major insurance companies so they have access to liquidity and much more is discussed in this episode. This bestselling author of 3 books and featured in a documentary film to be released in October 2021 has much to say about the safest place in the world to stockpile your capital, and how to protect and preserve what you have spent a lifetime working for. Access Barry's Books in Canada here: https://shop.ascendantfinancial.ca/shop/?LeadSourceId=427 IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 3:34 Sharing the message of IBC along with Nelson 8:08 Insights from the “Guaranteed Income” book 10:10 Bank owned life insurance 17:19 Regulated and secure investing by Life Insurance Companies 23:01 SPACs Companies 28:19 Don’t leave your retirement fund at risk 30:20 Only invest in financial products that you know about. Educate yourself on it. 35:25 The Pirates of Manhattan book 40:01 Heading into a financial crisis 45:11 Insights from Barry’s recent research 54:59 The Economic Warrior show 1:02:24 Who Barry wants to be a hero to

On today’s episode of the Advisory Series, we have Alberta-based Ascendant Financial advisor, Dan Allen. Dan is a wealth specialist and an independent insurance broker. As an Authorized Infinite Banking Practitioner he has expertise in working with professionals, business owners, and farmers, with a strong focus on helping them transform their financial future and achieve their financial goals with his unique approach tailored towards the journey of Individuals and business owners. His expertise lies in understanding your unique situations, goals and finding opportunities and solutions that solve multiple problems through the use of the Infinite Banking Concept, including how to control the banking function and how to identify primary risks in retirement and avoid market downturns while protecting their life savings. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:58 How Dan became his own banker and a authorized practitioner 6:17 Starting a new career and life through IBC 12:26 Becoming my own banker in my 50s 15:31 The joy of helping people through IBC 17:48 Listening to Nelson’s last presentation on IBC 19:46 Dan’s recommendation to those who are considering becoming their own banker 25:08 It’s never too late to start practicing IBC 28:23 Who Dan wants to be a hero to

The Capital Dividend Account For Canadian Businesses is a huge Tax Advantage Secret in Canada! Can you stockpile capital inside of a Canadian Controlled Private Corporation (CCPC) and then exit it tax-free? The answer is yes, it's all in the strategy you use to make it happen. Your corporation pays for it, and you get to use it, more importantly, it can pass on a legacy far greater than just life insurance. It can allow you to extract critical assets and maximize the value to your estate. Richard Canfield and Jayson Lowe of Ascendant Financial discuss the Corporate Insured Retirement Plan and the key advantage of the Capital Dividend Account. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 3:30 Case study example of a corporate account 10:26 Tax free withdrawals from your policy account value 16:58 Exercising your capital dividend account credit 20:44 Working with an experienced advisor and team 26:38 Understanding where to reside your wealth and company resources

Have you ever wondered how companies get their websites right at the top of a Google Search Engine? Over a decade ago, Damon Burton beat a billion dollar company by outranking their website on Google. Since then, he has gone on to build an international search engine marketing company that has worked with NBA teams, and Inc 5000 & Shark Tank featured businesses. In the decade of running a global team, he’s never met any of his team in person. Burton can speak on how to manage a remote team, as well as how he approaches dedicating time to family and balancing it all. Since founding his company SEO National in 2007, he writes for Forbes, has been featured in publications including Entrepreneur Magazine, BuzzFeed and USA Weekly, and has helped high-profile clients make more in a month than they used to in a year. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:43 What inspired Damon to write “Outrank” 4:18 The evolution of SEO 9:15 Are large companies buying into digital marketing 12:46 The difference between SEO and Paid Ads 23:01 Insights for running a company with a remote team 28:44 Strategic posting time to further your LinkedIn engagement 30:44 Community support by Damon Burton 39:20 Getting featured on Forbes magazine 43:54 How to decide whether an SEO company is good 46:46 How Damon got into giving back and community work

On today’s episode of the advisor series, Roman Pushkar joins to talk about his journey with IBC after migrating to Canada from Russia. Roman worked in banking and insurance for over a decade in Moscow before discovering IBC in Canada. The main dilemma that he faced as a banking and insurance advisor was the tradeoff between financial growth and liquidity, not realizing that the answer was before his very eyes in whole life policies. Roman is now an IBC practitioner in Winnipeg and on team at Ascendant financial as an advisor. He loves working with people and helping them discover, understand and embrace a straight way to regain control of their finances through the Infinite Banking Concept. Right from the beginning, Roman adopted IBC for all his children and is teaching them early on how to become their own bankers. When he is not working, Roman enjoys spending quality time with his wife and seven children, going out camping and fishing. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:28 How Roman got introduced to the Infinite Banking process 9:46 How Roman has personally implemented IBC as an advisor 15:54 Your children see the passion and mindset that you practice 19:12 Managing finances and practicing IBC with international exposure 26:21 Advocating IBC among international communities in Canada 30:27 The mindsets needed for practising IBC 32:29 Who Roman wants to be a hero to

CLIENT SERIES EPISODE: We are back with the Client Series on this week's episode. Shawn Quiggs is an Ontario real estate investor lawyer and infinite banking practitioner living in Toronto who comes from humble beginnings in small town Ontario. Prior to his career as a lawyer, he worked for the federal government in immigration enforcement which is where he began to question how his life was taking shape. From there, he moved to Windsor, Ontario for law school where he accidentally started investing in real estate, added a master of business administration, and eventually landed in Toronto for a short but sweet Bay Street law gig, finally transitioning into his role at Carson Law helping Ontario real estate investors do cool things and generate wealth. Shawn’s partner Amber – also an IBC practitioner – and their puppy Pluto live in the lively High Park area of Toronto and can be found hiking in the park or at the dog park. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 3:37 How Shawn found IBC from real estate investing 5:46 Applying IBC into real estate business 8:41 Shawn’s experience with Infinite Banking so far 12:06 Shawn’s advice to people contemplating IBC 13:38 Optimum mindsets for Sarbloh to mentor 17:06 IBC is meant to be a way of life 18:30 The importance of learning and access to resources 21:09 How Shawn expanded his IBC system 23:29 The simplicity of managing policy payments 29:33 Shawn’s experience connecting with the IBC community 42:26 Who Shawn wants to be a hero to

David Barnett loves to say that it took him 10 years to unlearn what he was taught in business school. University had trained him to be a middle-manager in big enterprises, he was totally unprepared for the realities of small business. After a career in advertising sales, Barnett started several businesses including a commercial debt brokerage house. Helping to finance small and medium sized businesses led to the field of business brokerage. Over several years, Barnett sold dozens of businesses for others while also managing his own portfolio of income properties and starting his career as a local private investor. Barnett regularly consults with professionals and banks on business and asset values. Presently he also works with entrepreneurs and would-be entrepreneurs around the world who are buying, selling or trying to improve their businesses. FREE E-BOOK GIVEAWAY: https://dbarnett.gumroad.com/l/21stup… IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:23 How David got on the journey of helping entrepreneurs 12:25 Positioning a business to be attractive for buying 15:57 Top 5 reasons why business go for sale 19:30 Mistakes that sellers often make 23:46 The “dream” of selling a small business for $1 million 25:07 Development of small businesses in Canada 30:03 Understanding the terms of sale 37:07 The role that insurance plays in business and transferability 45:10 Who David wants to be a hero to

David Stearns is Nelson Nash's son-in-law. In 2004, David was brought on by Nelson to help with the administrative side of Infinite Banking Concepts, and went on to lead the company to continue the IBC legacy. David oversees the distribution of Becoming Your Own Banker and Infinite Banking Concept materials working to spread the message of becoming your own banker and educating audiences on how they can start practicing IBC. David has been the director of the Nelson Nash Institute since the formation of the Institute in 2013. He retired from the U.S. Army as a Lieutenant Colonel after serving for 27 years, first as a field artillery officer, then as an Army aviator. He is married to Kimberly Nash Stearns and has four children and eight grandchildren, living in Birmingham, Alabama. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:28 Launching “This Is Nelson Nash” film 8:01 How David Stearns understood IBC for the first time 11:26 About the Nelson Nash Institute 15:40 The growth of IBC advisors and practitioners through 2020 30:48 Understanding the importance of policy design 33:36 Sharing IBC with family members 42:43 Developing a system of policies 50:23 Who David would like to be a hero to

Back on the Wealth Without Bay Street’s Advisor series, Liz Lamond is an advisor with Ascendant Financial. She discovered IBC after investing in real estate through mortgages for many years and discovered a better way of managing the banking function in her life. Since then, she now helps her clients reduce the financial stress in their lives by guiding and coaching them through the infinite banking process. Getting to help people with a solution that works for their personal and business lives and makes a difference to their long-term planning and provides for their family's needs now and in the future. Liz came to IBC from the healthcare industry and now coaches her clients back to financial health. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:06 How Liz discovered IBC and her journey implementing it 7:38 The optimal mindset of clients that Liz loves to work with 10:22 What inspires Liz the most about IBC 13:37 The connection between financial frustration leading to freedom in IBC 17:56 Liz’s advice to potential IBC Advisors 19:52 The importance of being a learner through the IBC process 24:15 Who Liz wants to be a hero to

Would you like to retire with a million dollars saved up? Everybody has to have their savings and money reside somewhere. In today’s episode, we talk about the difference between a Whole Life Policy as compared to an RRSP for storing your million-dollar retirement. One of the things many Canadian citizens do not take into account is the tax dues, lack of control, and risk of market downturns that can adversely affect your retirement fund and become a major pain point for a person once they have retired. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 3:56 Retirement with a million dollars in an RRSP vs a Whole Life Insurance 9:56 The power of financial control with a tax-free account 16:37 Going into business with Revenue Canada 19:25 Canadian’s are tired of being overtaxed 21:38 Market dips in RRSP accounts

Do you want to learn the strategy to exponentially boost your sales? Elliott Bayev and Daniel Moskowitz take a combined 50 years experience in Brazilian Jiu-Jitsu and building 8-figure sales teams and bottle it up inside a powerful new International Bestselling book: Sales Jiu-Jitsu – The Secret Black Belt System for Champion Leaders. Elliott Bayev is a second degree black belt and has more than thirty years of martial arts experience with twenty-four in Brazilian Jiu-Jitsu. Daniel Moskowitz has been in sales for twenty-five years. Daniel currently serves as the director of sales at Advance Your Reach, which he helped grow into an eight-figure, privately-held company. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 3:02 About the Sales Jiu Jitsu Book 5:07 How to be a Champion Leader 11:09 The before and after Sales Jiu Jitsu 14:48 Pre fight strategy insights 20:40 How to win the fight 43:40 How to future cast and cement your win

Back on the Wealth Without Bay Street’s Advisor series, Sarbloh Gill is an advisor with Ascendant Financial. He was introduced to Jayson Lowe by a placement agency based in 2015 and was introduced to the book “Becoming your own banker – unlocking the infinite banking concept by Nelson Nash”. Six years later, Sarbloh is now an Infinite Banking Coach with expertise in implementing the process of becoming your own banker to help Canadians obtain the objective of paying off debt while creating wealth at the same time. He takes pride in coaching new advisors joining the Ascendant team as well. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 2:57 How Sarbloh discovered IBC 9:18 Sabloh meeting Jayson Lowe and joining Ascendant Financial 14:39 The optimal mindset of clients Sarbloh loves to work with 17:27 The impact of adopting IBC into your family and life 19:18 Sarbloh’s stories with Nelson Nash 23:00 Helping people discover the key problem 25:30 How Sarbloh loves serving his clients 27:51 How the Wealth Without Bay Street Podcast has helped many people gain knowledge and practice IBC

On today’s episode, Jayson Lowe and Richard Canfield talk about the importance of coaching while practicing IBC. The advisors at Ascendant Financial are passionate about coaching their clients through the IBC process. A new portal on the Ascendant Financial website has been launched to help clients learn and practice the process of Becoming Your Own Banker. With anytime, anywhere access, you can watch masterclasses, read client success stories and access a vault of valuable training and information on how to practice IBC. IN THIS EPISODE, YOU WILL LEARN: 0:00 Introduction 4:33 Ascendant’s client online portal 7:33 The advantage of resources and support readily available 10:00 Practicing and planning IBC with your family long term 16:17 Having a coach to guide you through the IBC process 21:55 Visit https://dayofnelson.com/day to learn insight and wisdom from R. Nelson Nash 25:00 De-noise the financial noise around you