Today I'm thrilled to host Dr. Kyle Fortinsky, an early to mid-career gastroenterologist in Ontario.

Kyle and I share something in common - we deeply value our time and the ability to spend it with our families.

With this in mind, Kyle co-founded Clever Consult - an AI-enabled software helping specialists automate and streamline the consultation process, saving many hours along the way.

Join me as I dig into Kyle's entrepreneurial journey, unpacking lessons for everyone along the way.

Discussion points:

Kyle's introduction (1:40)

Understanding Clever Consult (4:35)

- basics, target audience, EMR integration, time savings

Learning through feedback (19:45)

What it's like to build a company (23:12)

Letting go of things to free up time (28:05)

Lessons from an MBA (29:35)

What would Kyle have done differently? (32:19)

What did Kyle learn about himself? (35:45)

Ideal split between clinical medicine & entrepreneurship (38:10)

Advice to someone considering starting something (40:12)

Kyle Fortinsky:

Clever Consult: https://www.cleverconsult.ai/

Yatin Chadha:

website: https://www.beyondmd.ca/

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Amex referral: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&XLINK=MYCP

Renewing a mortgage is more than just re-signing with your existing lender. Today I sit down with Elan Weintraub to discuss everything related to mortgages and renewals. Treat it like a financial checkpoint that aligns with your career, family plans, and cash flow, not just a headline rate. 

We dig into the real levers you control, and uncover key questions you should ask:

Why is a 30 year amortization often a good idea?

Considerations for paying down the mortgage faster

Why every 4% rate isn't the same (interest can compound too)

What do I need to know about adjustable vs variable rate mortgages?

What are the range of prepayment options?

Are tax strategies real or overhyped?

What are the pros and cons of mortgage laddering?

If you’ve got a renewal coming up or want to future-proof your financing, this is a concise masterclass on what actually moves the needle. 

If this helped you, subscribe, leave a review, and share it with a colleague who’s staring at a renewal letter right now.

Arya EHR: https://www.aryaehr.com/

Elan Weintraub:

https://www.linkedin.com/in/elan-weintraub-9683702/

https://mortgageoutlet.ca/

Yatin:

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link (for all Amex cards):

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

There are 2 questions I have become truly fascinated with and aim to answer in this episode:

- why do some people truly enjoy their work, while others don't?

- how do we go about finding more joy at work?

I've spent a lot of time reading around this topic and picking the brains of my fellow colleagues. Today I share what I've learned and the things I'm working on.

There are likely several nuggets you can take away and incorporate into your work.

Contents:

- Introduction (0:19)

- What 4 mid-career doctors told me when I asked them how they stay interested & motivated for work (2:15)

- Action 1: Social connection (3:52)

- Action 2: Emphasize process over finish line (6:39)

- Action 3: Introduce playfulness (13:25)

- Action 4: Gain back some control (15:08)

- Action 5: Never stop growing (18:36)

Links:

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link (for all Amex cards):

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Today I welcome my friend and savvy investor, Dr. Kieran Nair.

Kieran is a mid-career hospitalist in BC who recently returned from a year long sabbatical in the French Riviera with his family.

Today, Kieran opens up about challenges he faced in mid-career, what led to burnout, and what he learned from his year away. He also talks about what to consider when pursuing a sabbatical and financial decisions that made this all possible.

Discussion points:

- Kieran's intro (1:42)

- Mid-career challenges (3:00)

- Recognizing burnout (8:00)

- How do we ensure our commitments & values align? (10:22)

- How many missions can we realistically have? (14:42)

- Navigating unexpected health issues (16:08)

- With a young family, is there a better window to take on new things? (19:40)

- What led to the sabbatical in the French Riviera? (22:35)

- Learning the art of being present (24:30)

- Major lessons on time (29:40)

- Sabbatical highlights (31:30)

- Tips for others thinking of a sabbatical (33:14)

- Cost of living comparison (35:55)

- What good financial decisions made this all possible? (38:30)

- How Kieran became so fascinated with finance and investing (41:20)

- How individual investors & stock pickers can develop an edge (45:15)

- Kieran's favourite investing books (50:55)

- How did Kieran's financial plan work out? (53:02)

- How much money will we need to retire? (56:08)

- Closing thoughts, Kieran's blog (59:19)

Kieran's blog:

https://financiallyfreemd.substack.com/

Yatin's Links:

LinkedIn: https://www.linkedin.com/in/yatin-chadha/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link:

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

For episode 100, I bring back my favourite person - my wife, Sima Acharya!

Sima is back by popular demand. Today we unpack some of the big decisions we've made together, discussing the factors at play and what we have learned.

Discussion points:

- Sima's update (2:25)

- Prioritizing adventures in new places earlier in life (6:38)

- Balancing now vs delayed gratification - home renovations (19:55)

- Raising the kids, learning along the way (25:35)

- Travel: how it's changed us, keeping the kids humble (35:30)

- How & where we invest our money (44:15)

My NYGH Fundraiser:

https://donate.nyghfoundation.ca/site/TR/Events/Rally_in_the_Ravine?px=1561359&pg=personal&fr_id=1310

LinkedIn:

https://www.linkedin.com/in/yatin-chadha/

https://www.linkedin.com/in/sima-acharya-a0430213/

Radiology Courses for Clinicians:

https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

American express referral link:

https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Today we dive back into pensions for incorporated professionals. On this ride, we compare and contrast 2 good pension options: the individual pension plan (IPP) and the Healthcare of Ontario Pension Plan (HOOPP).

For today's chat I'm happy to welcome Sean Wilson (CFP, CIM), founder of Moraine Wealth Advisory, and Navaz Cassam, president & chief actuary of GBL Inc.

HOOPP vs IPP White Paper:

https://morainewealth.com/blog/hoopp-vs-ipp/

Discussion points:

- overview of pensions (1:45)

- introduction (2:42)

- what is a defined benefit (DB) pension plan? (4:38)

- the DB pension formula (5:20)

- establishing earnings for a pension plan (8:03)

- pension eligibility (9:43)

- pension plan contributions (11:43)

- why are extra contributions helpful? (14:40)

- IPP special contributions (19:10)

- impact of disability (21:23)

- IPP investing - DIY & control (21:50)

- IPP costs (26:32)

- flexibility & control in a pension plan (28:03)

- withdrawing from a pension (32:46)

- terminal funding (33:54)

- considerations for a retirement compensation arrangement (36:36)

- indexing the defined benefit to inflation (38:40)

- IPP projections - starting age 40 with $200K of T4 income (40:18)

- who shouldn't consider a pension? (45:37)

- closing thoughts (47:38)

Yatin Chadha

NYGH Fundraiser: 

https://donate.nyghfoundation.ca/site/TR/Events/Rally_in_the_Ravine?px=1561359&pg=personal&fr_id=1310

LinkedIn: Yatin Chadha

beyond Radiology:

https://beyondradiology.thinkific.com/products/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Sean Wilson

https://morainewealth.com/

https://www.linkedin.com/in/sean-m-wilson/

Navaz Cassam

https://www.linkedin.com/in/navaz-cassam-0b025716/

Today I welcome Mehul Gandhi (CFP, TEP, CLU) from Westmount Wealth to discuss death & taxes for incorporated small business owners in Canada.

The episode is broken down into 3 parts:

- the layers of tax facing the estate upon death of an incorporated professional

- strategies to mitigate the tax hit

- who can help us & the importance of updating our wills

Discussion points:

Introduction (3:05)

The layers of tax on one's estate after an incorporated business owner passes away (6:08)

How much tax can our estate face with no planning? (18:00)

Estate freezes (19:18)

First post mortem tax reduction strategy - loss carryback (22:03)

Pipeline strategy (24:34)

Why it's important to keep our wills updated (27:30)

Corporate share structure (30:24)

Insurance to navigate illiquidity challenges (35:42)

Who needs a holding company? (40:32)

Tax reduction with proper planning - how much? (43:04)

Help us with estate planning - who? (45:05)

Closing thoughts (47:45)

Mehul Gandhi

https://www.linkedin.com/in/mehulgandhicfp/

[email protected]

https://www.westmountwealth.com/

Yatin Chadha

beyond Radiology:

https://beyondradiology.thinkific.com/products/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Email: [email protected] 

LinkedIn: Yatin Chadha

Thank you for joining me on this solo episode where I share my journey (and struggles) en route to finding what truly lifts me up. I'm also thrilled to share my new course (beyond Radiology), which I hope will help my colleagues with their radiology knowledge. Finally, I have a message for trainees and new staff (I hope it resonates).

Contents:

- overcoming challenges over the last few years (0:50)

- finding more fulfillment at work (11:05)

- my new course, beyond Radiology (13:45)

- finally finding purpose (18:05)

- my message for medical trainees and new staff (19:43)

Links:

beyond Radiology:

https://beyondradiology.thinkific.com/products/courses/ct-head-interpretation-course

https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Email: [email protected] 

LinkedIn: Yatin Chadha

Hey Friends! I'm a bit delayed in releasing a new episode, so I wanted to provide you with a quick update.

The next full episode will be August 14th - I hope to see you there.

I hope summer is treating everyone well!

Yatin

Today I host Dr. Mamta Gautam, MD, MBA, FRCPC, CPDC, CCPE, CPE. 

Mamta is an internationally renowned psychiatrist, consultant, certified coach, author and speaker. Focused on Physician Health and well-being since 1990, she is a trailblazer in this field and is known as the “The Doctor’s Doctor”.  In the past 2 decades, she has expanded her work to include Leadership Development, to better address system-level factors that impact the wellbeing of healthcare workers.

Discussion points:

- Mamta's background & fascinating origin story (3:23)

- how to pursue growth at work to create an enjoyable & sustainable career (6:45))

- burnout - what are the key signs? (18:00)

- preventative measures for burnout (21:33)

- how relevant is financial literacy in combatting burnout? (27:22)

- building resilience - the 5 C's (33:27)

- where you can learn about Mamta's work (46:40)

- closing thoughts (48:04)

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This episode features Arya EHR - https://www.aryaehr.com/

**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast

Links:

Mamta Gautam:

X: https://twitter.com/PEAKMD

LinkedIn: https://www.linkedin.com/in/mamta-gautam-peak-md-6a7a3422/

Instagram: https://www.instagram.com/peak.md/

Facebook: https://www.facebook.com/peakmd.ca/

BlueSky: https://bsky.app/profile/peakmd.bsky.social

Yatin Chadha:

Email: [email protected] 

LinkedIn: Yatin Chadha