CleanBreak

Daren and Tina are behind the mic today for CleanBreak, The Podcast’s 100th episode! They are joined by Dr. Riley Moynes to chat about a life transition that happens to 10,000 people a day in North America: Retirement. Dr. Moynes moved into the world of financial services after spending over 2 decades in public education, and he has recently authored and published the book The Four Phases of Retirement. He, Daren, and Tina discuss the often overlooked psychological considerations and changes that happen during retirement, and what can be done to make this transition as smooth and comfortable as possible. Most people only think about the financial aspect of retirement, focusing on what they will do now that they have perhaps more free time and less commitments; but what if we told you that this phase only lasts on average 3 years? How do we navigate the rest of the almost ⅓ of our life, ensuring that we feel fulfilled and purposeful? Dr. Riley Moynes sheds some light on how we can make that happen.

The Four Phases of Retirement can be found on Amazon, as well as thefourphases.com

Our hosts: Daren Givoque and Tina Murray

Head over to  mycleanbreak.ca to find all of our life transition professionals, blog posts, and clean and simple advice to help guide you through to the other side of any of life's transitions.

Questions about your next steps? Connect with us at [email protected]

Find us on Facebook | Instagram | LinkedIn

Rachel Hammer is a real estate agent based in the Ottawa area who has been in the industry for 17 years. Her belief in the intrinsic value of finding professionals that you can trust and providing people with the information and tools they need to make informed and educated decisions lead her to reaching out to us at CleanBreak to be on the show. She joins Daren and Tina to discuss the ins and outs of purchasing a home, what is currently going on with the market, and how to deal with FOMO when looking for a new home. Purchasing a home is one of the most emotionally involved financial decisions that most people will ever make and as such it is important to understand your *wants* versus your *needs* when it comes to your new property. Rachel brings her background in social work and counselling to her work as a professional real estate agent in order to serve and guide her clients in their purchase from a holistic, client-centred approach.

Find Rachel and her team on Facebook, Instagram @rachelhammerrealestate, LinkedIn, Twitter @rachelhammer, or on her website www.rachelhammer.com and alongside the rest of or life transition professionals at www.mycleanbreak.ca

Our hosts: Daren Givoque and Tina Murray

Head over to  mycleanbreak.ca to find all of our life transition professionals, blog posts, and clean and simple advice to help guide you through to the other side of any of life's transitions.

Questions about your next steps? Connect with us at [email protected]

Find us on Facebook | Instagram | LinkedIn

Both of our co-hosts are back in studio this week to sit down and chat financial planning with Sarah Balram, CFP, CDFA. Sarah is the owner of Flip My Life Inc., a Certified Financial Planner (CFP), and a Chartered Financial Divorce Financial Analyst (CDFA), as well as being both Life Licensed and Mutual Fund Licensed. Planning for the future, and KNOWING how to plan for the future, can be extremely overwhelming - especially to those who have no similar experience. Daren, Tina, and Sarah discuss what is means to be a fee based financial planner and how this enables Sarah to provide a more unbiased approach when discussing the products and services that are available to her clients. If you don’t know the difference between a financial plan versus an investment statement, don’t worry - you’re not alone and today's episode will help make more sense of what options are available to you to help secure your future. Sarah works to guide and support her clients through the process of determining their goals and what is best for your unique financial needs. If you’ve not thought about your “Plan B” yet, now is the time to start planning for your future financial stability!

Find Sarah on all her socials - Facebook, Instagram @flipmylife.inc , and LinkedIn, or at flipmylife.com and mycleanbreak.ca

Our hosts: Daren Givoque and Tina Murray

Head over to  mycleanbreak.ca to find all of our life transition professionals, blog posts, and clean and simple advice to help guide you through to the other side of any of life's transitions.

Questions about your next steps? Connect with us at [email protected]

Find us on Facebook | Instagram | LinkedIn

Kevin Savoy is a business coach and owner of ByNan Business Solutions. He joins Daren today to discuss the ins and outs about starting being a business owner and how to get an idea off the ground and into fruition. Prior to getting into coaching Kevin worked as an engineer, having spent time in sales and business development, and since May 2011 has been helping small business owners gain success in their careers and hit their business goals. The key aspect of a business coach is ensuring accountability, and by  working with his clients to foster trust based relationships Kevin is able to act as a firm advocate for them in achieving their business goals and dreams. When it comes to being a business owner, there are often a lot of aspects and tasks that seem overwhelming  or daunting and Kevin helps support and guide his clients into navigating the waters of being their own boss. What most people need is a self-described “unreasonable friend” who keeps the success of the business, and themselves, at the forefront - and Kevin fills this role, and more, for his clients.

Find Kevin on Facebook, Twitter, LinkedIn, or Youtube, as well as through Facebook for ByNan Business Solutions or bynanbusinesssolutions.com

Our hosts: Daren Givoque and Tina Murray

Head over to  mycleanbreak.ca to find all of our life transition professionals, blog posts, and clean and simple advice to help guide you through to the other side of any of life's transitions.

Questions about your next steps? Connect with us at [email protected]

Find us on Facebook | Instagram | LinkedIn

Melissa Lafreniere MA, RP, QFAS is no stranger to CleanBreak The Podcast, having been a guest on the show several times in the past. Today she joins Darren to discuss her presentation about something that many of us are familiar with: working with a jerk! Melissa takes the time to point out that there are various subjective factors that can determine how we feel after leaving an interaction with someone, such as: are they too similar to ourselves and are mirroring things that we may not particularly like about our personalities, or is their personality and the way they navigate the world completely foreign to ourselves. So while we may not collaborate well with someone, it does not always mean that there is a pathological reason for that - it could be as simple as the way that we perceive and handle situations are different. Do you tend to have the same type of conflicts with the same types of people? Does it seem like a pattern? Understanding how you manage the response that others elicit in you is important, especially so when we approach interactions through the lens that all events are neutral until we apply individual significance to them. Melissa references the DISC personality types as a great resource to deepen our understanding on where our intersections lie in regards to our own personalities, and how this will influence the perception that we will have of others depending on their intersections. Approaching communication, and potentially conflict, with differing personality types with empathy and compassion is an invaluable skill which will greatly improve every one of our working or personal relationships.

Our hosts: Daren Givoque and Tina Murray

Head over to  mycleanbreak.ca to find all of our life transition professionals, blog posts, and clean and simple advice to help guide you through to the other side of any of life's transitions.

Questions about your next steps? Connect with us at [email protected]

Find us on Facebook | Instagram | LinkedIn

For our episode this week Daren is joined by Curtis Murray to talk about getting into the real estate market as part of the younger generation. Curtis became a mortgage agent after seeing the success that his mum (or co-host Tina!) had in the business and knowing that at this point in his life going to university or college wasn’t the right path. Curtis has been working alongside Tina as her assistant and is also growing his own client base as a licensed mortgage agent with Dominion Lending. It is difficult for a lot of folks, regardless of age bracket, to invest in real estate at the moment due to the increasing cost of not only purchasing a home, but interest rates as well; Curtis and Daren chat practical approaches to making home ownership more attainable including some unconventional solutions like purchasing a home with more than 2 parties involved. Investing in property isn’t something that needs to wait until you are in your 40s or 50s - there are ways in which the younger generation can break into this market too!

Find Curtis on Instagram at @curtmurray02, on Facebook, or on LinkedIn. You can also find him and alongside Tina on Facebook at Tina Murray Mortgages

Our hosts: Daren Givoque and Tina Murray

Head over to mycleanbreak.ca to find all of our life transition professionals, blog posts, and clean and simple advice to help guide you through to the other side of any of life's transitions.

Questions about your next steps? Connect with us at [email protected]

Find us on Facebook | Instagram | LinkedIn

Daren sits down today to chat with Amy Friesen, CEO and founder of Tea and Toast, about the life transition that we all hope to go through - aging. Amy and her team at Tea and Toast facilitate the transition into retirement and aging gracefully by helping their clients determine their needs and wants for the future and how to ensure that those factors are met. Over the last 8 years Amy has been working to close the retirement living knowledge gap by assisting caregivers and retirees make informed and educated decisions when choosing what the next transition in their life looks like. Most people choose their retirement home based on the fact that it is in their area, or that they have seen it driving by, but what if that home does not have the level of care that may be needed in the future? Perhaps it has been advertised as an “assisted living facility”, but what does that mean for this particular establishment? The team at Tea and Toast are there to act as brokers to help navigate these questions, and any others that may come up, with a compassionate and considerate approach.

Amy Friesen is the author of Breadcrumbs, Piecing Together the Retirement Industry and the host of the podcast Artful Aging With Amy.

(Please be advised that there are some technical difficulties at minute 1:45 to 2:00 in this episode)

Our hosts: Daren Givoque and Tina Murray

Head over to  mycleanbreak.ca to find all of our life transition professionals, blog posts, and clean and simple advice to help guide you through to the other side of any of life's transitions.

Questions about your next steps? Connect with us at [email protected]

Find us on Facebook | Instagram | LinkedIn

Nancy Morgan is a dancer, instructor, and owner of The Workshop Dance Studio in Kemptville. She joins Daren and Tina today to discuss the ways that dance can help support us through different stages in our lives as a way of keeping active and healing. Nancy has been dancing since she was only three years of age, and over the years of performing found she had a deep passion for teaching which led her to open her own adult only dance studio in March of 2015. Over the last 2 years Nancy and her studio did have to pivot the way their classes were being taught, needing to move to online streaming and pre-recorded classes as opposed to in person lessons in order to continue to provide the consistent classes that her students were counting on. Dance can be a form of therapy - not only physically, but emotionally and spiritually as well, and Nancy has first hand experience on how taking dance classes together help couples feel more bonded and connected to their partners.

Find Nancy at www.theworkshopdancestudio.com, on Instagram @workshop_dance_kemptville, Facebook, or LinkedIn, as well as over at mycleanbreak.ca

Our hosts: Daren Givoque and Tina Murray

Head over to  mycleanbreak.ca to find all of our life transition professionals, blog posts, and clean and simple advice to help guide you through to the other side of any of life's transitions.

Questions about your next steps? Connect with us at [email protected]

Find us on Facebook | Instagram | LinkedIn

Daren and Tina are joined for today's episode by Vickie Townson of Life's New Chapter Coaching. Vickie is a life coach with over 15 years experience guiding others through their life's transitions with a specific focus on helping women in mid-life. She is no stranger to going through her own transitions in life, having changed careers to find her passion in life coaching, and she understands the unique struggles and challenges that her clients may be facing. Vickie's current focus is on her Fresh Start Program which helps her clients focus on positive self talk, personal empathy, and quieting down their inner critic.

Our hosts: Daren Givoque and Tina Murray

Head over to  mycleanbreak.ca to find all of our life transition professionals, blog posts, and clean and simple advice to help guide you through to the other side of any of life's transitions.

Questions about your next steps? Connect with us at [email protected]

Find us on Facebook | Instagram | LinkedIn

Holly Finucan is an Intuitive Healer and Rieke Master based in Kemptville.. Through doing the difficult work of self-examination and healing, Holly has been able to create the life that she wants for both herself and for her daughter. She joins Daren and Tina today to dive deep into how her life experiences have influenced and guided her to the work that she does today, the importance of practicing self-compassion in achieving your goals, and why energy work is crucial to our overall wellness. 

Connect with Holly through Instagram, Facebook, or at mycleanbreak.ca

Head over to mycleanbreak.ca to find all of our life transition professionals, blog posts, and clear and simple advice to help guide you through to the other side of any of life's transitions.

Questions about your next steps? Connect with us at [email protected]

Find us on Facebook | Instagram | LinkedIn