Ep. 20 - Inflation - The Silent Killer of Retirements Everywhere

Ep. 20 - Inflation - The Silent Killer of Retirements Everywhere

Would you like a FREE one-on-one financial health checkup? Visit https://investwithvision.ca Want to get on our mailing list to be notified of new episodes? Sign up on our website: https://retireinbc.ca/ Inflation doesn’t crash your portfolio overnight—but over 20–30 years, it can quietly cut your purchasing power in half. 😬 In this episode, Ben and Arnold break down why inflation is one of the biggest (and most overlooked) risks in retirement—and why playing it “safe” with cash or GICs might actually cost you more in the long run. You’ll learn: Why inflation hits everyone differently (and how to estimate your own) The “Rule of 72” and how fast your money loses value Why “safe” returns can still leave you behind after tax + inflation The case for owning assets (not just lending money) How to build a plan that stays sustainable—not just gets you to retirement If you want your money to last as long as you do, this episode is a must-watch. 👉 Don’t let inflation quietly erode your future. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Ep. 19 - What to do when you're in too much debt

Would you like a FREE one-on-one financial health checkup? Visit https://investwithvision.ca Want to get on our mailing list to be notified of new episodes? Sign up on our website: https://retireinbc.ca/ Drowning in debt? You’re not alone—and you have more options than you think. In this episode of The Retire in BC Podcast, Ben and Arnold break down high‑interest debt—what to worry about, what not to worry about, and the real, practical paths out of it. From budgeting strategies and debt snowballs to consolidation, consumer proposals, and even bankruptcy, we walk through the full spectrum of options Canadians should understand before making a move. We also reframe the conversation: not all debt is bad. Mortgages, business loans, and education debt can build wealth—but high‑interest debt can quietly work against you fast. Most importantly, we remove the shame and focus on clarity, control, and forward momentum. In this episode, you’ll learn: - The difference between good debt and dangerous debt - How to list and prioritize your debts the smart way - Snowball vs. avalanche repayment strategies (and which fits you best) - When DIY consolidation makes sense—and when it doesn’t - How creditors, CRA, and consolidation companies may work with you - What consumer proposals and bankruptcy actually mean in Canada - Why doing nothing is often the worst option 🔔 Subscribe so you don’t miss future episodes filled with practical advice, insights, and wisdom! Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Visionvest Wealth Management Ltd. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Ep. 18 - The Power of Compound Growth

Would you like a FREE one-on-one financial health checkup? Visit https://investwithvision.ca Want to get on our mailing list to be notified of new episodes? Sign up on our website: https://retireinbc.ca/ 💥 Is Compound Growth the 8th Wonder of the World? 💥 Einstein may or may not have said it—but the math doesn’t lie. In this episode of The Retire in BC Podcast, Arnold and Ben break down why starting early matters more than saving more, and how compound growth can quietly do the heavy lifting for your retirement (or your kids’ future). 📈 We walk through real-life examples that will shock you: • How investing less money can still leave you ahead if you start earlier • Why delaying just 10 years can cost hundreds of thousands of dollars • How $100/month for a child can turn into $1 million • And how compound interest can work for you—or brutally against you with high‑interest debt Whether you’re 25, 55, or planning for the next generation, this episode will change how you think about time, money, and investing. 🎧 Hit play and see why time—not timing—is the real secret ingredient. 👉 Like, subscribe, and share with someone who needs a nudge to start early. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Ep. 17 - The Registered Disability Savings Plan (RDSP)

Would you like a FREE one-on-one financial health checkup? Visit https://investwithvision.ca Want to get on our mailing list to be notified of new episodes? Sign up on our website: https://retireinbc.ca/ The RDSP might be the most generous—and most misunderstood—government program in Canada. In this episode of The Retire in BC Podcast, Ben and Arnold break down the Registered Disability Savings Plan (RDSP) and explain why it can be life changing for families supporting a loved one with a disability. Whether you’re receiving the Disability Tax Credit (DTC) already or you might qualify without knowing it, this episode walks you through everything you need to know: What we cover in this episode: • Who qualifies for the Disability Tax Credit (and why so many Canadians don’t realize they’re eligible) • How RDSP grants and bonds work — including up to $90,000 in free government money • Why the RDSP is built as a long-term savings plan • Age rules: the crucial 49–59 window, catch-up grants, and contribution strategy • The 10-year government clawback — and how to avoid it • How families can contribute together to supercharge the plan • How RDSP withdrawals affect (or don’t affect) other income-tested programs • Common misconceptions, planning pitfalls, and real-life examples If you or a family member lives with a disability, the RDSP can dramatically improve long-term financial security — but only if you understand the rules well enough to make the most of it. 🔔 Subscribe so you don’t miss future episodes filled with practical advice, insights, and wisdom! Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Visionvest Wealth Management Ltd. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Ep. 16 - Charitable Giving, During Life and Beyond

Would you like a FREE one-on-one financial health checkup? Visit https://investwithvision.ca Want to get on our mailing list to be notified of new episodes? Sign up on our website: https://retireinbc.ca/ Estate Planning Isn’t Just a Will — and Getting It Wrong Can Cost Your Family Big Time. 💥 Charitable giving isn’t just generous — it’s smart financial planning. In this episode of The Retire in BC Podcast, Arnold and Ben break down how to turn your giving into something far more impactful — for you, your taxes, and the causes you care about. 🔔 Subscribe so you don’t miss future episodes filled with practical advice, insights, and wisdom! Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Visionvest Wealth Management Ltd. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.