Business & Exit Planning Simplified

Most business owners focus on top-line sales — but buyers care about predictability. In this episode of Business & Exit Planning Simplified, Joe Curry breaks down why recurring revenue is one of the eight key drivers of a valuable business and how even service-based companies can create stable, dependable income streams that boost both business value and peace of mind.

Key Takeaways

Predictable income increases business value.

Buyers pay more for businesses with stable, recurring cash flow because it reduces risk and signals reliability.

Recurring revenue isn’t just for tech companies.

From cleaning services to barbershops, any service business can build repeat income with creativity.

Memberships and subscriptions drive loyalty.

Regular, ongoing customer relationships smooth revenue and strengthen retention.

Simple shifts make a big difference.

Retainer models or maintenance contracts can transform one-time sales into sustainable income streams.

It’s not just about selling someday.

Predictable revenue makes running your business easier, less stressful, and more resilient — whether you sell or keep it.

Resources

• Matthews + Associates Business Owner Advisory Services
• Previous Business & Exit Planning Simplified Podcast Episodes on the 8 Key Drivers of Business Value
• Ep 10: How Clean Financials Boost Business Value and Improve Exit Terms
• Ep 11: Boosting Your Company’s Valuation: Strategies for Highlighting Growth Potential
• Ep 12: Reducing Dependency Risk to Maximize Business Value and Attract Buyers
• Ep 13: The Valuation Teeter Totter: How Working Capital Impacts What Your Business Is Worth

ABOUT JOE CURRY

Joe Curry is the host of Business and Exit Planning Simplified Podcast, and the Your Retirement Planning Simplified Podcast and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe/

Website: https://matthewsandassociates.ca/business-owners/

Website: https://www.retirementplanningsimplified.ca/

ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.

DISCLAIMER

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this episode of Business & Exit Planning Simplified, Joe Curry breaks down the “valuation teeter-totter” — a simple but powerful concept showing how your business’s cash requirements directly impact its value. Learn three practical strategies to free up working capital, improve cash flow, and make your company more attractive to buyers when planning your business exit.

KEY TAKEAWAYS

Understand the Valuation Teeter-Totter: The more cash your business needs to operate day to day, the less it’s worth to potential buyers — and vice versa.

Accelerate Receivables: Get paid faster for the value you deliver. Introducing deposits, strategy fees, or retainers can improve cash flow and strengthen client relationships.

Extend Payables: Negotiate longer payment terms with vendors to preserve your working capital without damaging key relationships.

Optimize Inventory: For product-based businesses, reduce excess stock and align ordering cycles with real demand to free up tied capital.

Boost Business Value Before Exit: Simple cash flow improvements can significantly increase your company’s valuation and make it more appealing to serious buyers.

CALL TO ACTION

• Book: Money Models by Alex Hormozi — frameworks for building cash flow and pricing structures. The first 20 listeners can request a free copy of Money Models by emailing [email protected]

ABOUT JOE CURRY

Joe Curry is the host of Business and Exit Planning Simplified podcast, and Your Retirement Planning Simplified podcast, and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe/

Website: https://matthewsandassociates.ca/vsl/

Website: https://www.retirementplanningsimplified.ca/

ABOUT BUSINESS & EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.

DISCLAIMER

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

What happens to your business if your top customer walks away, your main supplier raises prices, or your key employee quits? In this episode, Joseph Curry explains how dependency risk — relying too much on one customer, supplier, or person — can quietly destroy your business value and limit your ability to sell.

You’ll learn about the Switzerland Structure, one of the 8 Drivers of Company Value, and how building neutrality and independence into your business can make it more resilient, transferable, and attractive to buyers.

This video is part of our ongoing series on the 8 Drivers of Company Value, designed to help Canadian business owners increase the value and saleability of their businesses — whether your goal is to exit soon or simply build a stronger, more independent company.

TIMESTAMPS

00:00 – Intro: What happens if your key customer leaves?

00:40 – What is dependency risk?

01:20 – The Switzerland Structure explained

02:25 – Key indicators: customer, supplier, and employee dependence

03:40 – How dependency risk affects your business valuation

04:15 – Examples: Tesla’s supplier diversification

04:55 – Netflix and content independence

05:40 – What buyers look for in resilient companies

06:10 – How to reduce risk: customer diversification, supplier redundancy, SOPs

07:00 – Real-world implications for deal structure and valuation

08:10 – Recap: Why independence = higher value

08:45 – How to find your Value Builder Score

09:10 – Closing: Next driver of company value

YOU'LL LEARN ABOUT:

- Dependency risk can lower your valuation, even if profits look great.

- The Switzerland Structure helps your business run independently of any one stakeholder.

- Aim for no single customer to make up more than 15–20% of your revenue.

- Build supplier redundancy — think of it as supply chain insurance.

- Cross-train employees and document SOPs to reduce “key person” risk.

- Learn from examples like Tesla (supplier diversification) and Netflix (content independence).

CALL TO ACTION

- Request your Value Builder Score: [email protected]

- Subscribe for more insights on building, protecting, and exiting your business

ABOUT JOE CURRY

Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: linkedin.com/in/curryjoe

Website:

https://matthewsandassociates.ca

https://www.retirementplanningsimplified.ca

ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.

DISCLAIMER

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Do buyers pay more for past profits…or future growth?

In this episode, Joe explains the second driver of company value which is growth potential. Many business owners think they just need good profits to sell, but buyers want to know how much bigger the business can get after they buy it.

You’ll learn why showing growth opportunities like new markets, recurring revenue, or systematizing your process can boost your valuation. Joe also shares a simple example and practical strategies to highlight future growth, even if you don’t plan to execute them yourself.

You’ll learn about:

• Why buyers care more about future growth than past performance
• A real-world example of hidden growth opportunities
• Easy ways to identify and package growth potential in your exit plan)

Remember: you don’t have to execute on every growth idea, you just need to show buyers the vision.

Here’s what you’re in for:

00:00 – Why growth potential feels like a double-edged sword

00:53 – How growth potential impacts what buyers will pay

01:21 – What growth potential means and how to spot it

03:14 – Real-life example:Sharon’s consulting firm

05:03 – Simple strategies to increase growth potential

08:12 – How to package growth opportunities for an exit

09:47 – Wrap-up

—-------------------------------------------------------------

ABOUT JOE  CURRY

Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: https://www.retirementplanningsimplified.ca/

  https://www.facebook.com/RetirementPlanningSimplified/

               https://matthewsandassociates.ca/ 

ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.

—-------------------------------------------------------------

Disclaimer:

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

What happens when someone finally retires only to pass away months later?

In this episode of Retirement Planning Simplified, Joe talks about the surprising connection between retirement, health, and longevity. This isn’t doom and gloom, it’s a wake-up call to design a retirement that’s not just long-lasting, but meaningful.

 You’ll discover:

• Why retirement itself isn’t a “death sentence” and how it can improve health.
• The hidden dangers of losing purpose and identity after leaving work.
• Simple steps to stay active, connected, and fulfilled in retirement.

Here's what you're in for:

01:21 Retirement and health (What research really says)

03:19 Hidden health risks from years of stress

04:30 Practical steps for a healthy and fulfilling retirement

04:46 Purpose, identity, and avoiding the “retirement cliff”

—-------------------------------------------------------------

Ready to take the next step? 

Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12

👉 Want a retirement plan that adapts as your life evolves?

Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.

Learn more at https://matthewsandassociates.ca/our-process/ 

Don’t forget to like, comment, and subscribe for more simplified retirement planning insights!

—------------------------------------------------------------

ABOUT JOE  CURRY

Joseph Curry, also known as Joe, is the co-host of Your Retirement Planning Simplified, Canada’s fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, he is committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it’s about creating meaningful experiences with loved ones and fostering opportunities for the future. 

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: https://www.retirementplanningsimplified.ca/

  https://www.facebook.com/RetirementPlanningSimplified/

               https://matthewsandassociates.ca/ 

ABOUT RETIREMENT PLANNING SIMPLIFIED

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/
• Instagram: https://www.instagram.com/retirement_planning_simplified
• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog
• Youtube: https://www.youtube.com/@retirementplanningsimplified

 —-------------------------------------------------------------

Disclaimer:

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Would you trust your gut when selling your business or the real numbers that buyers look for?

In this episode of Business and Exit Planning Simplified Joe Curry starts a new series on the eight drivers of business value. The first one is financial performance.

Joe explains why buyers care more about clean and consistent financial records than a big sales story. He shares an example of how messy books and mixing personal spending with business expenses can scare buyers away. He also gives simple steps that make your business worth more when it is time to sell.

What you will learn in this episode:

• Buyers want to see steady profit and clear financial records they can trust
• Keeping personal and business expenses separate makes your business more valuable
• Using a bookkeeper and regular reports can increase buyer confidence and improve your selling price

If you are a business owner thinking about selling one day your financial performance is the foundation of business value.

Here’s what you’re in for:

00:00 Understanding Business Valuation

00:29 The Importance of Financial Performance

01:42 Key Financial Metrics Buyers Look For

02:59 Case Study:Janet's Interior Design Firm

04:07 Steps to Improve Your Financial Performance

05:30 Building a Valuable Business        

—-------------------------------------------------------------

ABOUT JOE  CURRY

Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: https://www.retirementplanningsimplified.ca/

  https://www.facebook.com/RetirementPlanningSimplified/

               https://matthewsandassociates.ca/ 

ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.

 —-------------------------------------------------------------

Disclaimer:

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

What if you could add a million dollars to your business without selling a single extra unit or finding new clients? 

In this episode of Business and Exit Planning Simplified, Joe talks about the profit gap, the silent drain that lowers your business value.

He  explains what the profit gap is, how to measure it, and simple steps you can take to close it. You’ll learn why buyers care about profit more than revenue, how higher margins increase both your income today and your future sale price, and why cleaning up your finances makes your company more attractive.

Whether you’re planning to exit in 1 year or 10 years, closing the profit gap is one of the fastest ways to increase business value and secure your retirement.

Here’s what you’re in for:

00:00 Identifying the profit gap

02:57 How to close the profit gap

06:36 Why normalizing financials matters

10:21 Strategies to increase profitability

14:27 Final thoughts and next steps

—---------------------------------------------------------

ABOUT JOE  CURRY

Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: https://www.retirementplanningsimplified.ca/

  https://www.facebook.com/RetirementPlanningSimplified/

               https://matthewsandassociates.ca/ 

ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.

 —---------------------------------------------------------

Disclaimer:

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Are you sure your business is set up to fund the retirement you want and leave the legacy you’ve worked so hard to build?

In this episode of  Retirement Planning Simplified, Joe Curry and Lindsay talk with Bob Gauvreau, a successful entrepreneur who built an eight-figure professional services firm. 

You’ll hear practical advice on tax strategies, maximizing your business value, and how to prepare your business for sale. He also explains the benefits of family trusts, how to handle family business succession, and why early planning is the key to a smooth transition.

Here’s what you’re in for:

00:00 – Introduction & Welcome

00:45 – Bob Gauvreau’s Entrepreneurial Journey

02:01 – Building an Eight-Figure Firm

03:38 – Retirement Planning for Business Owners

06:13 – Structuring a Business for Sale

09:51 – Family Trusts & Tax Planning

13:41 – Increasing Business Value Before Sale

18:26 – Family Business Succession Strategies

27:45 – Conclusion & How to Connect

—-------------------------------------------------------------

ABOUT BOB GAUVREAU

Bob Gauvreau is an entrepreneur, CPA, and founder of Gauvreau, an award-winning advisory firm dedicated to helping business owners thrive. Since 2008, he has redefined the traditional accounting model—offering tax strategy, compliance, legal services, bookkeeping, coaching, and financial planning—to empower entrepreneurs to use their finances as a true growth engine. Author of The Wealthy Entrepreneur and host of The Wealthy Entrepreneur Podcast, Bob is committed to reducing stress, increasing clarity, and helping business leaders build profitable, purposeful businesses they can be proud of.

You can reach out to Bob through:

LinkedIn: https://www.https://www.linkedin.com/in/robert-gauvreau

Website: https://www.GauvreauCPA.ca (Company)

                 https://www.robertgauvreau.com (Personal)

—-------------------------------------------------------------

ABOUT JOE  CURRY

Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: https://www.retirementplanningsimplified.ca/

  https://www.facebook.com/RetirementPlanningSimplified/

               https://matthewsandassociates.ca/ 

ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. 

—-------------------------------------------------------------

Disclaimer:

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this episode, Joe Curry starts with a tough question: Could your business be worth far less than you expect?

Most business owners believe boosting sales and profits is the only way to grow business value. But that’s only one piece of the puzzle.

What You’ll Learn:

• What the value gap really is and why it matters
• Why increasing revenue and profit isn’t enough
• How factors like owner dependence, recurring revenue, and customer concentration affect your business value

Joe shares practical tips on how to make your business less risky, more scalable, and ultimately more valuable even if you're not planning to sell anytime soon.

Here’s what you’re in for:

00:00 Is Your Business Worth Less Than You Think?

01:20 Understanding the Value Gap

03:02 Key Drivers of Business Value

07:17 Practical Example Marketing Agency

09:21 Why Focusing on Value Matters

10:39 Conclusion and Key Takeaways

—-------------------------------------------------------------

ABOUT JOE  CURRY

Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: https://www.retirementplanningsimplified.ca/

  https://www.facebook.com/RetirementPlanningSimplified/

               https://matthewsandassociates.ca/ 

ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.

 —-------------------------------------------------------------

Disclaimer:

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

How Should You Pay Yourself as a Business Owner? Salary, Dividends, or an IPP?

In this episode, Joe chats with Braden Warwick from PWL Capital about how business owners can pay themselves in the smartest way. They break down the pros and cons of taking a salary, dividends, or using an Individual Pension Plan (IPP), a lesser-known but powerful option.

Braden shares what he’s learned from co-authoring a paper with Ben Felix, and they talk through real-life examples. You'll learn how taxes play into each option, what “notional accounts” are (in simple terms), and how a flexible income plan could help you get the most from your money,both now and in retirement.

Here’s what you’re in for:

• 00:00 – Welcome and intro
• 00:24 – Meet Braden and his role at PWL
• 01:57 – What the research says about business owner pay
• 04:03 – Tax pros and cons of each method
• 08:46 – What are notional accounts, anyway?
• 13:02 – How IPPs work and who they’re good for
• 17:35 – Using a flexible salary strategy
• 25:49 – Final thoughts and where to learn more

—-------------------------------------------------------------

ABOUT BRADEN WARWICK

Braden Warwick is a PhD Research Engineer who loves turning complex research into practical, high-performing software. With a background in optimization, Monte Carlo and statistical analysis, and stochastic modeling, he’s passionate about solving tough problems and making data-driven tools that work in the real world. Braden has hands-on experience with GPU-accelerated simulations, parallel processing, and modern Python and JavaScript frameworks, bringing innovative ideas from theory to production.

You can reach out to Braden through:

LinkedIn: https://www.linkedin.com/in/braden-warwick-a40b48a3

Website: https://www.bradenwarwick.ca (Personal)

—-------------------------------------------------------------

ABOUT JOE  CURRY

Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: https://www.retirementplanningsimplified.ca/

  https://www.facebook.com/RetirementPlanningSimplified/

               https://matthewsandassociates.ca/ 

ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.

—-------------------------------------------------------------

Disclaimer:

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.