125: Building Generational Wealth: The Financial Lifecycle Every Canadian Needs to Know with Noble Pannu Wealth Management's Stefano Pannu

125: Building Generational Wealth: The Financial Lifecycle Every Canadian Needs to Know with Noble Pannu Wealth Management's Stefano Pannu

WATCH ▶️ Watch this episode on YouTube [https://youtu.be/xQhJfpq1N6I] ***   EPISODE DESCRIPTION Episode 125: Matt and Taylor are joined by Stefano Pannu, B.A., CFP®, CLU®, CIM®, FCSI®.   Stefano is a Partner & Principal Financial Advisor at Noble Pannu Wealth Management Ltd from Kelowna, BC, who has been supporting high net worth clients since his Certified Financial Planner (CFP) designation in 2016.   Stefano quickly developed a passion for holistic financial planning in helping clients reach their ultimate financial goals, carrying expertise across all six areas of financial planning: investment planning, retirement planning, tax planning, estate planning, cash management and risk management. With each client’s unique big picture in mind, Stefano creates detailed financial plans that give clients clarity and confidence.   Stefano and his wife Danielle moved to Kelowna in 2019 to be closer to family for their children. They love their little corner of Glenmore, and all the family time near the lakes and trails of the Okanagan. Stefano, a former midfielder on the Simon Fraser University varsity soccer team, holds Kelowna Rockets seasons tickets, and he’s a pretty big fan of just about every other sport, including the English Premier League and NFL. Every August, he participates in the 200-kilometre Ride to Conquer Cancer, cycling all the way from Vancouver to Hope in support of the BC Cancer Foundation.   Stefano is here to discuss:   → What financial planning actually is - advice, guidance, concept, review, and monitoring - across six disciplines - investments, insurance, cashflow management, and estate, retirement, and tax planning.   → How to understand deductions and taxation as a salaried (T4) employee, and the difference between gross vs net income.   → The truth about Canada's Pension Plan (CPP) - is it really going to collapse or is it all just panic?   → The 2 ways to build wealth tax free, owning a primary residence or a Tax-Free Savings Account (TFSA), how they are tax-free, and the factors to consider when investing with your TFSA.   → How RRSPs work as a deferring tax tool, and various situations where they could be utilized before retirement.   → One of the best kept secrets in Canada, the First Home Savings Account (FHSA), and why everyone who has never been a home owner should register one today.   → Wealth builders for your kids including how RESPs work, informal vs formal trusts, and why more parents are opting for whole life insurance as a generational wealth builder.   → How non-registered accounts work and Canadian income tax is filed. ***   LISTEN TO PAST APPEARANCES Stefano's 1st Appearance in Episode 5: https://www.kelownarealestatepodcast.com/5-stefano-pannu/ [https://www.kelownarealestatepodcast.com/5-stefano-pannu/] Stefano's 2nd Appearance in Episode 33: https://www.kelownarealestatepodcast.com/33-stefano-pannu/ [https://www.kelownarealestatepodcast.com/33-stefano-pannu/] Stefano's 3rd Appearance in Episode 34: https://www.kelownarealestatepodcast.com/34-stefano-pannu/ [https://www.kelownarealestatepodcast.com/34-stefano-pannu/] ***   CONNECT WITH THE GUEST 🌎 Noble Pannu Wealth Website: www.noblepannuwealth.com [http://www.noblepannuwealth.com] 📸 Noble Pannu Wealth Instagram: @noble_pannu_wealth [https://www.instagram.com/noble_pannu_wealth/]   📧 Stefano Pannu's Email: stefano@noblepannuwealth.com [stefano@noblepannuwealth.com] 📸 Stefano Pannu's Instagram: @stefpannu [https://www.instagram.com/stefpannu/] 🔗 Stefano Pannu's LinkedIn: @StefanoPannu [https://www.linkedin.com/in/stefanopannu/] ***   CONNECT WITH THE SHOW 🎙️ Kelowna Real Estate Podcast: www.kelownarealestatepodcast.com [https://www.kelownarealestatepodcast.com] 📺 Kelowna Real Estate Podcast YouTube: @KelownaRealEstatePodcast [https://www.youtube.com/@KelownaRealEstatePodcast] 📸 Kelowna Real Estate Podcast Instagram: @kelownarealestatepodcast [https://www.instagram.com/kelownarealestatepodcast/] ***   CONNECT WITH MATT 🌎 Matt Glen's Website: www.venturecommercial.ca/our-team/matt-glen [https://venturecommercial.ca/our-team/matt-glen/] 📬 Matt Glen's Email: matt.glen@venturecommercial.ca [matt.glen@venturecommercial.ca] 📸 Matt Glen's Instagram: @realmattglen [https://www.instagram.com/realmattglen/] ***   CONNECT WITH TAYLOR 🌎 Taylor Atkinson's Website: www.venturemortgages.com [https://www.venturemortgages.com/] 📬 Taylor Atkinson's Email: taylor@venturemortgages.com [Taylor@VentureMortgages.com] 📸 Taylor Atkinson's Instagram: @VentureMortgages [https://www.instagram.com/venturemortgages/] ***

124: Turning Diamond in the Rough Structures Into Iconic Kelowna Properties with Worman Commercial's Shane Worman

WATCH ▶️ Watch this episode on YouTube [https://youtu.be/jHE_aK8bLMA] ***   EPISODE DESCRIPTION Episode 124: Matt and Taylor are joined by Shane Worman.   Shane is the Founder of Worman Commercial/Worman Homes from Kelowna, BC, who has been shaping the city for over 33 years with major residential and commercial projects. He is also a passionate community builder, with involvement in initiatives like Journey Home, the Downtown Kelowna Association, and the BC Cancer Foundation.   Shane is here to discuss:   → His journey in real estate and what led him to Kelowna & Worman Commercial.   → Why HGTV is the worst thing to happen to home builders, the impossibly high bar of consumer expectations, and who is really to blame for unaffordable housing expectations.   → Shane's philosophy when it comes to commercial builds, why more builders don't take the same approach, and clashing with the city over what is best for their builds.   → How he is able to find diamond in the rough properties, how he brainstorms designs for each project, and always looking for ways to bring out each buildings uniqueness.   → The market in the next 5 years, the difference between investing & speculating, and why projects still can't pencil and investments are so hard to find today.   Worman Commercial/Worman Homes Website: www.worman.ca [https://www.worman.ca/] ***   CONNECT WITH THE SHOW 🎙️ Kelowna Real Estate Podcast: www.kelownarealestatepodcast.com [https://www.kelownarealestatepodcast.com] 📺 Kelowna Real Estate Podcast YouTube: @KelownaRealEstatePodcast [https://www.youtube.com/@KelownaRealEstatePodcast] 📸 Kelowna Real Estate Podcast Instagram: @kelownarealestatepodcast [https://www.instagram.com/kelownarealestatepodcast/] ***   CONNECT WITH MATT 🌎 Matt Glen's Website: www.venturecommercial.ca/our-team/matt-glen [https://venturecommercial.ca/our-team/matt-glen/] 📬 Matt Glen's Email: matt.glen@venturecommercial.ca [matt.glen@venturecommercial.ca] 📸 Matt Glen's Instagram: @realmattglen [https://www.instagram.com/realmattglen/] ***   CONNECT WITH TAYLOR 🌎 Taylor Atkinson's Website: www.venturemortgages.com [https://www.venturemortgages.com/] 📬 Taylor Atkinson's Email: taylor@venturemortgages.com [Taylor@VentureMortgages.com] 📸 Taylor Atkinson's Instagram: @VentureMortgages [https://www.instagram.com/venturemortgages/] ***

123: 2026 Interest Rate Predictions & the "Vibe" Economy with BCREA Chief Economist Brendon Ogmundson

WATCH ▶️ Watch this episode on YouTube [https://youtu.be/Mge9TLSzvCQ] ***   EPISODE DESCRIPTION Episode 123: Matt and Taylor are joined by Brendon Ogmundson.   Brendon is the Chief Economist at BCREA (BC Real Estate Association) from Vancouver, BC, who's specializes in housing market analysis and macroeconomic forecasting, and is a member of the BC Ministry of Finance’s Economic Forecast Council. Brendon was also recently named one of the most influential economists in BC by Business in Vancouver.   Brendon is here to discuss:   → How his predictions held up from his last appearance a year ago.   → Where variable & fixed interest rates are heading in the next 6 to 12 months, the factors that are contributing to them, and why inflation will always overrule GDP.   → The a slow housing start to 2026, where we are at currently with housing supply and inventory, demand, and overall affordability, and the overall uncertainty of the market.   → The impact of BC losing 60,000 private sector jobs so far in 2026, and how he created a "vibes index" to quantify how consumer sentiment is driving economic behaviour.   → Kelowna's unique population demographic combination of the young Gen Z & Millennials with aging Boomers, and the impact the missing middle of housing has on them.   → Which generation actually had it the worst when it comes to housing, the economy, and affordability - Boomers, Gen X, Millenials, or Gen Z.   → How the federal immigration policy has chased away the demand for rentals with the exodus of 80,000 non-permanent residents in BC 2025, while at the same time pushing to complete the most purpose-built rentals we have in decades, and the disparity in the supply of rental vs owner units.   → If investors should be buying all these newly completed condos in Kelowna, and what markets he would look at today if he were investing in real estate.   → If the Cowichan ruling has actually impacted BC from a data standpoint, or if it is currently more word-of-mouth and adding to overall uncertainty.   → How closing the Strait of Hormuz is affecting Canada and the oil industry - why this is a "profit windfall" and not demand driven, meaning it won't lead to more production, how American companies own most of Canadian oil companies anyways so it won't benefit us, and why gas prices swing so much day to day.   Brendon's 1st Appearance in Episode 35: https://www.kelownarealestatepodcast.com/35-brendon-ogmundson/ [https://www.kelownarealestatepodcast.com/35-brendon-ogmundson/] Brendon's 2nd Appearance in Episode 61: https://www.kelownarealestatepodcast.com/61-brendon-ogmundson/ [https://www.kelownarealestatepodcast.com/61-brendon-ogmundson/] Brendon's 3rd Appearance in Episode 93: https://www.kelownarealestatepodcast.com/93-brendon-ogmundson/ [https://www.kelownarealestatepodcast.com/93-brendon-ogmundson/]   BCREA Website: www.bcrea.bc.ca [http://www.bcrea.bc.ca] Brendon Ogmundson's LinkedIn: @BrendonOgmundson [https://www.linkedin.com/in/brendon-ogmundson-cfa-69621222/] ***   CONNECT WITH THE SHOW 🎙️ Kelowna Real Estate Podcast: www.kelownarealestatepodcast.com [https://www.kelownarealestatepodcast.com] 📺 Kelowna Real Estate Podcast YouTube: @KelownaRealEstatePodcast [https://www.youtube.com/@KelownaRealEstatePodcast] 📸 Kelowna Real Estate Podcast Instagram: @kelownarealestatepodcast [https://www.instagram.com/kelownarealestatepodcast/] ***   CONNECT WITH MATT 🌎 Matt Glen's Website: www.venturecommercial.ca/our-team/matt-glen [https://venturecommercial.ca/our-team/matt-glen/] 📬 Matt Glen's Email: matt.glen@venturecommercial.ca [matt.glen@venturecommercial.ca] 📸 Matt Glen's Instagram: @realmattglen [https://www.instagram.com/realmattglen/] ***   CONNECT WITH TAYLOR 🌎 Taylor Atkinson's Website: www.venturemortgages.com [https://www.venturemortgages.com/] 📬 Taylor Atkinson's Email: taylor@venturemortgages.com [Taylor@VentureMortgages.com] 📸 Taylor Atkinson's Instagram: @VentureMortgages [https://www.instagram.com/venturemortgages/] ***

122: A Crisis of Confidence: Restoring Faith in Kelowna's Economy, Tourism, & Small Businesses with Kelowna-Mission MLA Gavin Dew

WATCH ▶️ Watch this episode on YouTube [https://youtu.be/_Yq5ezIRr34] *** EPISODE DESCRIPTION Episode 122: Matt and Taylor are joined by Gavin Dew. Gavin is the MLA for Kelowna-Mission from Kelowna, BC, who was elected in October of 2024, and is also the Conservative Critic for Jobs, Economic Development, and Innovation (JEDI) & AI.   Born and raised in British Columbia, he is driven by a passion to renew and rebuild BC’s economic potential. Gavin’s career spans two decades at the intersection of business, public policy, and technology. He has played a key role in building public understanding and support for complex policies and projects across Canada, including affordable housing, energy infrastructure, and tech clusters. Most recently, Gavin served as Chief Strategy Officer for a $5 billion agricultural innovation and food security project in BC. He also has a strong academic background, with a BA from UBC and an MBA from the University of Oxford, where he focused on corporate social responsibility.   Prior to being elected, Gavin served on the boards of the Business Council of British Columbia and Resource Works. He has also served in governance roles with organizations like UBC, Kwantlen Polytechnic University, and Community Futures. Gavin continues to volunteer as chair of the Veterans Transition Network, a national mental health charity that played a crucial role in evacuating Afghan interpreters at risk from the Taliban. His community efforts have earned him recognition, including being named a “Forty Under 40” by Business in Vancouver for his leadership.   Gavin and his wife, Erin, recently launched Play Area, Kelowna’s newest indoor playground, to serve the growing number of young families in the Okanagan.    Gavin is here to discuss: → What his role is in the government as the Conservative Critic for Jobs, Economic Development, and Innovation (JEDI) & AI and holding the NDP accountable, and who he thinks will be the next leader of the BC Conservative Party.   → If AI will help Canada's productivity crisis, the difference between digital immigrants & digital natives, and the considerations needed from government as it widens the wealth gap.   → The integral role small businesses play in the community, and why we need to combat youth unemployment and hopelessness among gen Z to provide them a better future.   → What would help Kelowna's economy, the importance of tourism to our ecosystem, and how getting the short-term rental (STR) exemption on June 1st is progress, albeit too little, too late for summer 2026.   → Why "capitalism is a coward", how the lack of consumer confidence in the BC government is killing Kelowna, and if the damage can be reversed or if it's already been done.   → Why every MLA should be made to learn economics, how governments create their own problems that they then have to fix, and the big issue of new public sector jobs outpacing new private sector jobs for years.   → BC's provincial budget and their proposed cuts to health care, how hospitals around the province are in crisis due to terrible systems and mismanagement, and advocating for new leadership in interior health.   Gavin Dew's Website: www.conservativebc.ca/mla/gavin-dew [https://conservativebc.ca/mla/gavin-dew/] Gavin Dew's Instagram: @gavindew [https://www.instagram.com/gavindew/] Gavin Dew's LinkedIn: @GavinDew [https://www.linkedin.com/in/gavindew/] ***   CONNECT WITH THE SHOW 🎙️ Kelowna Real Estate Podcast: www.kelownarealestatepodcast.com [https://www.kelownarealestatepodcast.com] 📺 Kelowna Real Estate Podcast YouTube: @KelownaRealEstatePodcast [https://www.youtube.com/@KelownaRealEstatePodcast] 📸 Kelowna Real Estate Podcast Instagram: @kelownarealestatepodcast [https://www.instagram.com/kelownarealestatepodcast/] ***   CONNECT WITH MATT 🌎 Matt Glen's Website: www.venturecommercial.ca/our-team/matt-glen [https://venturecommercial.ca/our-team/matt-glen/] 📬 Matt Glen's Email: matt.glen@venturecommercial.ca [matt.glen@venturecommercial.ca] 📸 Matt Glen's Instagram: @realmattglen [https://www.instagram.com/realmattglen/] ***   CONNECT WITH TAYLOR 🌎 Taylor Atkinson's Website: www.venturemortgages.com [https://www.venturemortgages.com/] 📬 Taylor Atkinson's Email: taylor@venturemortgages.com [Taylor@VentureMortgages.com] 📸 Taylor Atkinson's Instagram: @VentureMortgages [https://www.instagram.com/venturemortgages/] ***

121: Inside Kelowna's Most Pressing Challenges & Ambitious Future Plans with Mayor Tom Dyas

WATCH ▶️ Watch this episode on YouTube [https://youtu.be/ly38vKKnBjQ] *** EPISODE DESCRIPTION Episode 121: Matt and Taylor are joined by Tom Dyas, the Mayor of Kelowna, who was elected for the first time in 2022.    Tom moved from Toronto to BC in 1986 to be the executive sous chef at Expo. He then went on to be executive chef of Delta Hotels in Whistler. In May of 1987 Tom went into the insurance and financial industry creating his own company, TD Benefits, which he has proudly owned and operated ever since.  Over his 40 years in the insurance and financial industry, his company has won numerous awards for customer service, growth of business, and client retention.   In 1996, Tom and his family moved to the Okanagan, where he has always been actively involved in the community, coaching local soccer clubs and sitting on the Boards of Kelowna Minor Hockey, the Kelowna Chamber of Commerce, the Okanagan College Advisory and the Child Advocacy Centre and chair of the 2020 Memorial Cup Host Committee.   Along with being the Mayor, Tom currently sits on the RDCO Board as a Director, Chair of the Airport Advisory Committee, Chair of the Mayor’s Task Force on Crime Reduction, Chair of the Mayor's Task Force on Performing Arts, Member of the BCUMC, as part of the RDCO board a representative on the Municipal Finance Committee, sits on the board of Uptown Rutland Business Association, and a member of the Audit Committee.   Running a successful, respectful business has always been a primary focus for Tom, although to date he feels his greatest achievement has been raising his three children into adulthood. With his children now grown and his business a family enterprise with a strong team, Tom’s focus is now on serving our community.   Tom is here to discuss: → The direction of Kelowna since Tom has been Mayor and it's restructured budget model, where he sees Kelowna in the next 5 years, and if Kelowna should always be the fastest growing city in Canada. → The provincial exemption on short-term rentals, STR, for Kelowna which goes into effect on June 1st, why Kelowna was more restrictive on STR in the first place and how this iteration will be different than before the ban, and what will happen if the vacancy rate drops below the STR threshold. → Balancing developing city infrastructure like parks and neighbourhoods with affordability, how the city is looking to combat housing affordability, and the recent reduction of DCCs in Kelowna by 25%. → How funding works when it comes to policing, which is fully city controlled, and education & healthcare, which is provincially controlled, and how these jurisdictional differences impact some of the city's biggest problems when it comes to addiction, mental health, and crime. → The most difficult thing the city deals with, crime & safety, investing $60 million annually into RCMP & bylaw officers, and the city's innovative tiny homes initiative to help people experiencing homelessness.   → The city's refocus on economic prosperity and bringing in special events, including the Brier, CCMAs, Memorial Cup, & BC Lions games.   → What the future holds for Kelowna's airport expansion, the Glenmore Plan, multiple community rec centers, Lions Park, & Prospera Place.   Matt & Taylor discuss: → Matt's career change from residential to full-time commercial Realtor and switching brokerages, being nominated for a 3rd time by Kelowna Now for Best Podcast, and how you can vote for us!   👉 Vote for us for Best Podcast in Kelowna: https://bestof.kelownanow.com/votes/ [https://bestof.kelownanow.com/votes/]   City of Kelowna Website: www.kelowna.ca [http://www.kelowna.ca] City of Kelowna Instagram: @cityofkelowna [https://www.instagram.com/cityofkelowna] City of Kelowna LinkedIn: @CityofKelowna [https://www.linkedin.com/company/city-of-kelowna/] City of Kelowna YouTube: @cityofkelowna [https://www.youtube.com/user/cityofkelowna] Tom Dyas' Instagram: @mayortomdyas [https://www.instagram.com/mayortomdyas/] Tom Dyas' LinkedIn: @TomDyas [https://www.linkedin.com/in/tomdyas/] ***   CONNECT WITH THE SHOW 🎙️ Kelowna Real Estate Podcast: www.kelownarealestatepodcast.com [https://www.kelownarealestatepodcast.com] 📺 Kelowna Real Estate Podcast YouTube: @KelownaRealEstatePodcast [https://www.youtube.com/@KelownaRealEstatePodcast] 📸 Kelowna Real Estate Podcast Instagram: @kelownarealestatepodcast [https://www.instagram.com/kelownarealestatepodcast/] ***   CONNECT WITH MATT 🌎 Matt Glen's Website: www.venturecommercial.ca/our-team/matt-glen [https://venturecommercial.ca/our-team/matt-glen/] 📬 Matt Glen's Email: matt.glen@venturecommercial.ca [matt.glen@venturecommercial.ca] 📸 Matt Glen's Instagram: @realmattglen [https://www.instagram.com/realmattglen/] ***   CONNECT WITH TAYLOR 🌎 Taylor Atkinson's Website: www.venturemortgages.com [https://www.venturemortgages.com/] 📬 Taylor Atkinson's Email: taylor@venturemortgages.com [Taylor@VentureMortgages.com] 📸 Taylor Atkinson's Instagram: @VentureMortgages [https://www.instagram.com/venturemortgages/] ***