I'm thrilled to host my colleague & friend, Dr. Matt Poyner.

Matt is a former ER physician who paved his way to financial independence in his 40's. He made the decision to leave medicine, travel the world with his family, and to pursue his new passion of teaching other physicians about money. Matt is also currently pursuing his CFP designation.

Matt's story is one of taking chances, carving out a different path, & striving to enjoy life today (not tomorrow). He was able to achieve a lot of this by playing the long game through common sense & evidence based investing. His approach includes great success with dividend investing, a topic he is highly knowledgeable about and has written about widely.

Matt's Resources:
https://moneysmartmd.com/ (course & blog)
https://dividendstrategy.ca/ (blog)

Yatin's Resources:
https://www.youtube.com/watch?v=LhaXNoURidA
https://www.youtube.com/watch?v=gno63208wsY&t=8s
https://www.youtube.com/watch?v=CwviUABYzXM
beyondmdpodcast.com
https://www.linkedin.com/in/yatin-chadha-29074b109/
https://www.instagram.com/beyond.md/

Paper on dividend investing: https://www.hartfordfunds.com/dam/en/docs/pub/whitepapers/WP106.pdf

Welcome to part 4 of the Buy, Renovate, Rent, Refinance (& maybe repeat) method of real estate investing with Quentin D'Souza. Topic = Refinancing.

Quentin is one of the most trusted voices in Canadian real estate investing. He started as a school teacher and has now built a real estate portfolio worth > $125 million.

Discussion Points:

- What makes a worthwhile BRRRR? (0:47)
- Preparing for the appraisal (5:23)
- Appraisal timing & mortgage considerations (10:55)
- Variable or short term fixed? (13:03)
- Closing remarks, how to reach Quentin (16:46)
- BRRRR summary, interest rates (18:15)

RESOURCES

Quentin:
website: https://quentindsouza.com/
Durham Real Estate Investor's Club: https://durhamrei.com/
IG: https://www.instagram.com/qmanrei/
LinkedIn: https://www.linkedin.com/in/quentindsouza/
Get Real Wealthy Podcast: https://podcasts.apple.com/ca/podcast/get-real-wealthy/id1556449211
Books:
The Property Management Toolbox
The Filling Vacancies Toolbox
The Finding Properties Toolbox
The Action Takers Real Estate Investing Planner
Link: https://www.amazon.ca/Property-Management-Toolbox-How-Investors/dp/0993671713

Yatin:
Email: [email protected]
Website: https://beyondmdpodcast.com/
LinkedIn: https://www.linkedin.com/in/yatin-chadha-29074b109/
YouTube: https://www.youtube.com/@beyondmd7203
IG: https://www.instagram.com/beyond.md/

Welcome to part 3 of the Buy, Renovate, Rent, Refinance (& maybe repeat) method of real estate investing with Quentin D'Souza. Topic = Renting.

Quentin is one of the most trusted voices in Canadian real estate investing. He started as a school teacher and has now built a real estate portfolio worth > $125 million.

Discussion Points:

- Understanding debt coverage ratio, the multiple benefits of positive cashflow (2:10)
- Quentin's comprehensive checklist & process for screening and selecting tenants  (5:52)
- A, B, C, and D class tenants (16:02)
- Using property management & freeing up your time (18:20)

RESOURCES

Quentin:
website: https://quentindsouza.com/
Durham Real Estate Investor's Club: https://durhamrei.com/
IG: https://www.instagram.com/qmanrei/
LinkedIn: https://www.linkedin.com/in/quentindsouza/
Get Real Wealthy Podcast: https://podcasts.apple.com/ca/podcast/get-real-wealthy/id1556449211
Books:
The Property Management Toolbox
The Filling Vacancies Toolbox
The Finding Properties Toolbox
The Action Takers Real Estate Investing Planner
Link: https://www.amazon.ca/Property-Management-Toolbox-How-Investors/dp/0993671713

Yatin:
Email: [email protected]
Website: https://beyondmdpodcast.com/
LinkedIn: https://www.linkedin.com/in/yatin-chadha-29074b109/
YouTube: https://www.youtube.com/@beyondmd7203
IG: https://www.instagram.com/beyond.md/

Welcome to part 2 of the Buy, Renovate, Rent, Refinance (& maybe repeat) method of real estate investing with Quentin D'Souza. Topic = Renovation.

Quentin is one of the most trusted voices in Canadian real estate investing. He started as a school teacher and has now built a real estate portfolio worth > $125 million.

Discussion points:

- Strategies for inspecting rental units & getting cost estimates (3:25)
- Project timelines & high yield renovation planning tips (9:44)
- Considerations for basement suites such as ceiling height, egress, natural light (14:35)
- Small renovation maneuvers that can increasing property value (18:32)
- Estimating post renovation appraisal value (21:03)

RESOURCES

Quentin:
website: https://quentindsouza.com/
Durham Real Estate Investor's Club: https://durhamrei.com/
IG: https://www.instagram.com/qmanrei/
LinkedIn: https://www.linkedin.com/in/quentindsouza/
Get Real Wealthy Podcast: https://podcasts.apple.com/ca/podcast/get-real-wealthy/id1556449211
Books:
The Property Management Toolbox
The Filling Vacancies Toolbox
The Finding Properties Toolbox
The Action Takers Real Estate Investing Planner
Link: https://www.amazon.ca/Property-Management-Toolbox-How-Investors/dp/0993671713

Yatin:
Email: [email protected]
Website: https://beyondmdpodcast.com/
LinkedIn: https://www.linkedin.com/in/yatin-chadha-29074b109/
YouTube: https://www.youtube.com/@beyondmd7203
IG: https://www.instagram.com/beyond.md/

Welcome to part 1 of a 4 part series on the BRRRR (buy, renovate, rent, refinance & maybe repeat) method of real estate investing featuring Quentin D'Souza.

Quentin is one of the most trusted voices in Canadian real estate investing. He started as a school teacher and has now built a real estate portfolio worth > $125 million.

Discussion points:
- Quentin's inspiring story & background in real estate investing (3:45)
- Developing the real estate investor mindset (11:46)
- Introduction to the BRRRR method (13:45)
- Buying - solving problems, finding listings off the MLS (17:22)
- Buying - the importance of relationships (23:43)
- Key questions to ask a realtor (26:51)
- Screening properties efficiently, mapping out a city (29:35)

RESOURCES

Quentin:
website: https://quentindsouza.com/
Durham Real Estate Investor's Club: https://durhamrei.com/
IG: https://www.instagram.com/qmanrei/
LinkedIn: https://www.linkedin.com/in/quentindsouza/
Get Real Wealthy Podcast: https://podcasts.apple.com/ca/podcast/get-real-wealthy/id1556449211
Books:
The Property Management Toolbox
The Filling Vacancies Toolbox
The Finding Properties Toolbox
The Action Takers Real Estate Investing Planner
Link: https://www.amazon.ca/Property-Management-Toolbox-How-Investors/dp/0993671713

Yatin:
Email: [email protected]
Website: https://beyondmdpodcast.com/
LinkedIn: https://www.linkedin.com/in/yatin-chadha-29074b109/
YouTube: https://www.youtube.com/@beyondmd7203
IG: https://www.instagram.com/beyond.md/

My exploration of investing continues today with Jeremy Donath, LL.B, CIM. Jeremy co-runs the Donath & DiSabatino Wealth Management Group in BMO Private Wealth.

Today's topic covers Liquid Alternative Investments.

Discussion points:
- Jeremy's background & experience (7:06)
- Basic investment approach (8:08)
- What is a liquid alternative investment? (10:46)
- Sectors and asset classes covered by liquid alts (12:34)
- Accessed by individuals or institutions? (13:46)
- RRSP eligibility (14:42)
- Checklist for due diligence - critical (15:16)
- Rationale for liquid alternatives in the portfolio (22:40)
- Challenging liquid alts through the illiquidity premium (25:32)
- Returns of liquid alts vs TSX & SP500 (27:05)
- But most rolling 10 year periods since 1937 are + for index funds....(30:08)
- Pivoting from alts to equities & vice versa, dealing with market timing (34:50)
- Pension funds & liquid alternatives (37:16)
- Fund fact sheets - information we need to know (39:04)
- Hurdle rates (40:23)
- Performance fees, high water mark (41:06)
- Any fees when you sell the fund? (44:16)
- Upside & downside capture (45:24)
- Sharpe ratio, sortino ratio (46:24)
- Closing remarks (47:59)

Jeremy's email: [email protected]

Jeremy's website: https://nesbittburns.bmo.com/donath.disabatino/

My email: [email protected]

My website: [email protected]

LinkedIn: https://www.linkedin.com/in/yatin-chadha-29074b109/

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

It's an honour to host Sasha Cucuz, CEO of Greybrook Securities on this episode.

The focus: understanding real estate development based investing

Discussion points:
- Sasha's very interesting path (2:40)
- Greybrook's healthcare investments (6:00)
- How Greybrook is structured...greybrook capital, realty partners, & securities (7:57)
- Overview of types of projects & key markets, investment strategy (9:08)
- How a development project works start to finish, how returns are generated (12:20)
- Limited partnership structure (18:54)
- Tax implications of investment returns (21:36)
- Macro: project timelines, roadblocks, supply contraints, the silver lining for returns (22:04)
- Micro: project selection, underwriting, risk management (28:06)
- Impact of interest rates & commodity prices on development & investment thesis (33:15)
- Exit strategies, managing the unexpected (37:42)
- A note on developers, additional risk mitigation strategies (43:16)
- How taking a contrarian approach can be beneficial (50:10)

Greybrook website: https://greybrook.com/

Beyond MD website:
https://beyondmdpodcast.com/

LinkedIn:
https://www.linkedin.com/in/yatin-chadha-29074b109/

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

I'm very fortunate to host individuals like Dr. Ketan Kulkarni.

Dr. Kulkarni is an east coast pediatrician specializing in Hematology & Oncology. He wears many hats, having published >>100 papers, is a passionate entrepreneur, keen advocate for financial literacy, & a best-selling author.

His journey is inspiring & filled with valuable life lessons. Ketan talks about how striving for a broader identity has made medicine more enjoyable,  his experience with burnout, why creating internal yardsticks for success & living in line with one's core values is critical, his relationship with money, mental traps he is prone to & more.

I had the chance to read Ketan's best-selling book (published with Dr. Francis Yoo) called the Legendary Quest. This book is highly applicable to all physicians & professionals. It outlines common mental traps & offers solutions for a more fulfilling personal & professional life.

Ketan's book, the Legendary Quest can be found at:

https://www.amazon.ca/Legendary-Quest-Professionals-Excellence-Fulfillment/dp/B09TWPHFFR

Links:

Ketan's website:
https://www.savvyphysician.ca/

My LinkedIn Profile:
https://www.linkedin.com/in/yatin-chadha-29074b109/

My Website:
https://beyondmdpodcast.com/

Paper covering 1937-1938 (financial history):
https://www.nber.org/system/files/working_papers/w17595/w17595.pdf

Elan Weintraub from the Mortgage Outlet is back!

Discussion points:
- mortgage landscape (4:13)
- interest rate thoughts/predictions (7:21)
- variable rate vs adjustable rate mortgages, trigger rates, negative amortization (8:36)
- variable rate mortgage considerations (14:13)
- mortgage approval process today with focus on medical trainees (18:09)
- appraisals/refinancing in today's market (22:28)
- mortgages through Holding Company: rates, Helocs, joint ventures (25:52)
- HELOC - home equity line of credit (28:58)
- intro to commercial mortgages (33:18)
- final thoughts (35:20)

Links:

Elan's email: [email protected]

Mortgage Outlet: https://mortgageoutlet.ca/

Physician Financial Wellness Conference: https://www.eventbrite.ca/e/physicians-financial-wellness-conference-2022-tickets-382280389937

LinkedIn: https://www.linkedin.com/in/yatin-chadha-29074b109/

In this interview I sit down with Mark Halpern, CFP, TEP, MFA-P.

Mark is CEO of Wealthinsurance.com & has been assisting professionals and many of Canada's most affluent families for decades with an expertise in insurance solutions and tax strategic philanthropy to enhance wealth and build generational legacies.

Discussion points:
- Mark's background (5:37)
- the reasons people pursue philanthropy (7:36)
- gifting of appreciated public securities (11:23)
- gifting through professional corporation/HoldCo has a triple benefit (15:13)
- who accepts appreciated securities? (17:12)
- gifting of appreciated private shares (18:31)
- RRSPs - tax implications, charitable strategies (21:02)
- CPP philanthropy (23:33)
- Additional insurance strategies (28:03)
- recognized for large gifts through life insurance (32:49)
- charitable receipts (37:19)

Resources/links from Mark:
website: https://wealthinsurance.com/
email: [email protected]
LinkedIn: https://www.linkedin.com/in/markhalperncfptepmfap/

Samples from Mark's Monthly Tax Letter:
https://wealthinsurance.com/webdoc/TaxLetter-Seven-Defensive-Strategies.pdf
https://wealthinsurance.com/webdoc/TaxLetter-Preserve-Your-Wealth.pdf
https://wealthinsurance.com/webdoc/TaxLetter-Accidental-Philanthropy.pdf

List of all Tax Letter Publications:
https://docs.google.com/document/d/1hNhZ7CSeOr2NBNdwZXCs6nL5gsRZb1Eisht_D5JxfeY/edit

This episode is brought to your by taxpay.ca. Taxpay is a safe & user friendly online platform facilitating all of your tax payments (organized by yourself or your accountant). 

You can sign up for taxpay.ca today using the discount code "beyondmd" on the pricing page to get 6 month of free access.

Taxpay.ca website: https://taxpay.ca/user/accountant

Screenshots guiding set up: https://taxpayca.zendesk.com/hc/en-us/articles/9043147171860