BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

Most people don't realize that choosing the wrong dividend option can completely undermine a whole life insurance strategy.

On today's episode, Darren and Christina break down every dividend option available inside a participating whole life policy — and explain why Paid-Up Additions (PUAs) are not just the best option, but the only option that consistently delivers long-term wealth, liquidity, and control.

You'll learn:

• What insurance dividends actually are (and how they differ from investment dividends)

• Why options like reduced premiums, cash dividends, and loan repayment slow down wealth

• How paid-up additions immediately increase cash value AND death benefit

• Why higher death benefit forces higher cash value over time

• How dividends on dividends create the "snowball effect" of uninterrupted compounding

• Why most critics of whole life insurance are reacting to poorly designed policies

If you're using whole life insurance as a wealth tool — or considering Infinite Banking or the Canadian Rockefeller Method — this episode explains why paid-up additions are the engine that makes everything work.

Show notes:

00:00 - Introduction

1:20 - Different types of dividend options

3:20 - Example of paid up addition

8:30 - Darren's analogy

13:45 - Why paid up additions give you control and access to your money

19:00 - Wrap up

FIND US ON:

INSTAGRAM: https://www.instagram.com/controlandcompound/

TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en

LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true

Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it.

The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

You worked hard. You took the risk. You built the business. So why does it feel like the CRA is the biggest partner you never invited in?

On today's episode, Darren and Christina break down the most dangerous corporate cash traps business owners fall into — often without even realizing it. From passive income clawbacks to estate planning disasters, these mistakes quietly erode your profits and limit your future options.

This is required listening for Canadian business owners who want control, flexibility, and tax efficiency — not surprises from the CRA.

Show notes:

00:00 - Introduction

1:50 - What are corporate cash traps?

3:10 - The passive income trap

7:10 - Inefficient profit distribution

9:25 - Corporate association rules

11:55 - Estate planning traps

14:20 - Loss of the lifetime capital gains exemption

17:50 - How do we solve these traps?

21:15 - Real life example

FIND US ON:

INSTAGRAM: https://www.instagram.com/controlandcompound/

TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en

LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true

Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it.

The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

In Part 9 of The Rockefeller Method series, Darren and Christina break down the most overlooked part of wealth building: your team. They reveal how wealthy families like the Rockefellers use a family office mindset, coordinated advisors, and clear governance to protect wealth for generations.

You'll learn why most Canadians focus only on products, while the rich obsess over alignment between accountants, lawyers, planners, and insurance specialists. They also show how to apply this in Canada using corporate-owned life insurance, the capital dividend account (CDA), and high cash value policies.

Show notes:

00:00 - Introduction

01:11 - Products Are NOT a Plan — Team Coordination Is

03:01 - Fragmentation: The Silent Killer of Wealth

05:01 - How the Rockefellers Built Their Family Office

07:01 - The Cost of Bad Advice + Money Magnifies Errors

09:31 - Preparing Heirs: Why Money Magnifies Who You Are

11:46 - Canadian vs. U.S. Rockefeller Method Differences

13:31 - Step 1: High Cash Value Life Insurance Foundation

15:31 - Corporate-Owned Policies & The Power of CDA

17:31- Generation 2 Policies + Cascading Tax-Free

20:11 - Trusts in Canada: Doing It the Right Way

22:31 - Different Plans for Different Families

25:01 - The Trustee & Board of Trustees: Your Team After You're Gone

27:01 - The CEO of the Family Wealth System: YOU

29:01- Final Takeaways: Start With the Foundation, Build Over Time

FIND US ON:

INSTAGRAM: https://www.instagram.com/controlandcompound/

TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en

LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true

Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it.

The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

Most entrepreneurs think they need more clients. Chris Cooper says they actually need better math.

In December's edition of our entrepreneurship series, Darren sits down with Chris Cooper as they break down The Simple Six – the six metrics every business owner MUST understand if they want to stop grinding and start growing:

1. Client head count (HEAD)

2. Average revenue per member (ARM)

3. Length of engagement (LEG)

4. Effective hourly rate

5. ROI on your expenses

6. Net owner benefit

Inside the episode, you'll discover:

• Why being the best trainer, stylist, or technician does NOT make you a great business owner

• How underpricing quietly destroys your business (and what to fix first)

• Why increasing average revenue per client is more powerful than chasing more leads

• How Chris' mentorship program uses the Simple Six to find your biggest growth opportunity each month

• Why so many passionate entrepreneurs quit—not because they stop caring, but because the money math doesn't work

Whether you're a gym owner, real estate investor, advisor, or any kind of entrepreneur, these six numbers apply to YOU.

Show notes:

00:00 - Introduction to Chris Cooper

01:22 - Chris hits rock bottom financially before a life-changing mentorship opportunity appears.

03:39 - The start of his blog DontBuyAds.com and turning blog posts into a bestselling book.

07:35 - Early growth of Two-Brain Business and choosing mentorship over courses for real results.

11:07 - Chris explains the Simple Six business metrics that drive profitability and success.

16:02 - Why entrepreneurs must fix pricing first before chasing more clients.

18:53 - The Golden Hour habit: one focused hour each day that 4x's business growth.

22:16 - Systems and documentation that turn chaos into a business that runs itself.

25:04 - The key traits of entrepreneurs who succeed long-term: self-leadership and consistency.

27:22 - The role of coaches in solving major problems in business and health in Canada.

33:33 - Redefining success: freedom of time, focus, energy, and money.

FIND US ON:

INSTAGRAM: https://www.instagram.com/controlandcompound/

TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en

LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true

Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it.

The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

Can you believe it's already December! What a year we've had and Darren and Christina are back for the last monthly update of 2025. In this episode, they'll cover:

• Bank of Canada's final rate decision of the year and what stubborn inflation means for borrowers

• Why the Canadian dollar is stuck around 71–73 cents and what could shake it loose

• Stock markets defying expectations with double-digit gains year-to-date

• The latest Bitcoin correction: is it a buying opportunity or time to panic?

• Canada's soft but stable housing market and where motivated sellers are showing up

• The new memorandum of understanding for a pipeline from Alberta to the BC coast and what it could mean for Canada's economy

• Strong earnings from Canada's big insurers and why whole life insurance keeps dominating

• A very cool health perk: multi-cancer early detection testing through Manulife Vitality

• A quick recap of the Rockefeller Method Masterclass and what's coming next on the podcast

If you're a Canadian investor, business owner, or just trying to make sense of money in this environment, this one's for you.

Show notes:

00:00 - Introduction

00:35 - Bank of Canada update

3:50 - Canadian dollar update

4:50 - Stock market update

5:40 - Bitcoin news

13:25 - Real estate update

16:10 - Economic news

23:30 - Life insurance industry news

28:45 - Control and Compound news

FIND US ON:

INSTAGRAM: https://www.instagram.com/controlandcompound/

TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en

LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true

Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it.

The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

Sign up for our Rockefeller Masterclass now: https://hub.controlandcompound.com/rockefeller-method-webinar

Inflation is the biggest tax Canadians never voted for – and most people don't even realize they're paying it. On today's episode, Darren and Christina expose how inflation erodes purchasing power, widens the wealth gap, and punishes Canadians who don't own assets.

We break down:

• Why CPI numbers are manipulated and misleading

• How governments use inflation to repay debt with cheaper dollars

• The REAL reason housing, groceries, and energy feel up 30–200%

• Asset inflation vs consumer inflation — and why the rich get richer

• Why wages never keep up

• The "perfect storm" that crushed everyday Canadians

Then we show you the 4-step blueprint to beat inflation using the Infinite Banking Concept, including:

• Keeping your savings ahead of inflation

• Reducing taxes legally

• Buying more assets using policy loans

• Protecting yourself from market crashes

• PLUS the bonus step: creating generational wealth

If you want to escape inflation, eliminate tax drag, and start building REAL wealth the way wealthy families do… this episode is a must-watch.

Show notes:

00:00 - Introduction

00:42 – What Inflation REALLY Is (Not Just "Prices Up")

02:44 – Money Printing, Debt & Silent Wealth Transfer

04:27 – How CPI Hides Real Inflation

07:14 – Housing, Rent & Why Young Canadians Are Screwed

08:50 – Consumer Inflation vs Asset Inflation

10:25 – Central Banks, Wages & the Growing Wealth Gap

11:39 – The Perfect Storm for Everyday Canadians

12:04 – Why Canada's Housing Problem Is Almost Unfixable

13:29 – The Two Worlds of Inflation: Spenders vs Owners

14:54 – The 4 Steps to Beat Inflation

15:32 – Step 1: Make Your Savings Keep Up

16:23 – Step 2: Reduce Taxes (RRSP vs Infinite Banking)

20:15 – Step 3: Buy Assets & Use the "AND Asset" Strategy

22:32 – Step 4: Protect Retirement with a Volatility Buffer

25:56 – Bonus Step: Generational Wealth & the Rockefeller Method

28:41 – How to Get Started with Infinite Banking

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

FIND US ON:

INSTAGRAM: https://www.instagram.com/controlandcompound/

TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en

LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true

Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it.

The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

Sign up for our Rockefeller Masterclass now: https://hub.controlandcompound.com/rockefeller-method-webinar

On today's episode, Darren and Christina break down the 2025 Canadian federal budget! They unpack why this so-called "once-in-a-generation" plan looks more like deficits on steroids, with a projected $78.3B deficit this year and national debt heading toward $2.9 trillion by 2029.

They dive into exploding interest costs, Ottawa's controversial net debt-to-GDP spin using CPP, and what this all means for taxes, interest rates, small business owners, and Canadian families. If you care about Canadian politics, fiscal responsibility, and building wealth in a high-tax, high-debt environment, this is a must-watch.

Show notes:

00:00 - Introduction & Budget Overview 01:10 - "Smoke and Mirrors" Budget Explained 02:28 - Deficits on Steroids & Record Spending 04:34 - Debt Explosion & Long-Term Consequences 07:03 - Interest Costs: The Silent Crisis 11:26 - Higher Rates & Government Picking Winners 13:31- Housing Promises vs. Reality 16:18 - Immigration Policy Tightening & Housing Impact 19:42 - First-Time Homebuyer Rebate Explained 21:53 - The Three Big Takeaways for Canadians 23:31 - Why Infinite Banking Matters More Than Ever 26:44 - Final Thoughts

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

FIND US ON:

INSTAGRAM: https://www.instagram.com/controlandcompound/

TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en

LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true

Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it.

The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

Sign up for our Rockefeller Masterclass now: https://hub.controlandcompound.com/rockefeller-method-webinar

In Part 8 of The Rockefeller Method series, Darren and Christina break down one of the most powerful chapters in What Would the Rockefellers Do? — "Maximize Your Financial Efficiency and Earning Potential."

This episode is all about financial efficiency and how wealthy families like the Rockefellers legally reduce:

• ✅ Taxes (income tax, capital gains tax, estate tax)

• ✅ Interest payments (mortgages, credit cards, lines of credit, business loans)

• ✅ Fees (investment fees, MERs, fund fees, hidden advisor fees)

Darren and Christina walk through the real math behind your lifetime earning potential and show how small tweaks in tax planning, debt structure, and cash flow management can be worth millions of dollars over a 30-year career.

You'll learn:

• How a typical earner can bring in $6.6 million over a 30-year working life

• Why 40% or more can quietly disappear to taxes

• How 35%+ can be lost to interest payments

• Why chasing "high risk, high return" is one of the biggest financial planning myths

• How to think like a wealthy family office, even if you're just getting started

They also explain how high-cash-value life insurance and infinite banking-style strategies can:

• Create tax-advantaged growth

• Provide tax-free access to capital through policy loans

• Act as a private family bank to fund real estate deals, business opportunities, and emergencies without interrupting compound growth

This episode is ideal for:

• Canadian business owners

• High-income professionals

• Real estate investors

• Anyone looking for tax-efficient wealth-building strategies that don't rely on market gambling

Show notes:

00:00 - Introduction

02:00 - The Rockefeller Masterclass Announcement

03:10 - The 3 Wealth Destroyers

05:00 - Earning Potential & Self-Investment

06:20 - Taxes & Interest Breakdown

08:10 - Additional Wealth Destroyers

10:40 - High Risk vs High Return Myth

13:25 - Efficiency, Leverage & Control

15:10 - Life Insurance as the Solution

17:00 - Private Banking & Compounding

19:30 - Finding Everyday Efficiencies

21:00 - Rockefeller Strategy Breakdown

23:00 - How to Start Applying It

25:00 - Final Takeaways

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

FIND US ON:

INSTAGRAM: https://www.instagram.com/controlandcompound/

TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en

LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true

Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it.

The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

Sign up for our Rockefeller Masterclass now: https://hub.controlandcompound.com/rockefeller-method-webinar

On this month's entrepreneurial spotlight, Darren and Christina sit down with Caleb Bowers, President of Bowers Construction, to unpack how he went from being laid off, losing $70,000 in a single year, and driving a truck he couldn't afford… to building one of Atlantic Canada's most respected custom home brands.

If you're a business owner, aspiring entrepreneur, real estate investor, or custom home dreamer, this episode is a masterclass in:

• Building a brand on craftsmanship, trust, and values

• Choosing value over volume in a "race to the bottom" industry

• Using Instagram and online reputation to attract dream clients

• Balancing marriage, family, faith, and business

• Playing the long game with development and legacy projects

By the end, you'll see exactly how integrity, long-term thinking, and genuine care for clients can build a business—and a legacy—that actually lasts.

Show notes:

0:00 – Introduction to Caleb Bowers 1:30 – Building a brand on craftsmanship, trust & East Coast values 2:31 – Early money motivation & seeing wealth from "arm's length" 4:05 – First job at Highgate Homes: from labourer to general manager 6:52 – Seeing both sides: client vs builder vs landlord 7:55 – Getting laid off and starting Bowers Construction 11:20 – Buying three lots & learning the hard way on spec homes 14:10 – The year Caleb lost $70,000 (and the meeting that changed everything) 16:26 – Choosing value over volume in homebuilding 19:38 – Core values: Be a good person & go the extra mile 22:03 – Kids, marriage, and why business is now second to family 24:16 – "This is home": meaning behind the tagline 28:35 – Instagram strategy & becoming an early adopter 31:29 – Expansion into New Brunswick & rebranding with his brother 34:54 – Rapid-fire questions with Caleb

Connect with Bowers Construction:

WEBSITE: https://bowersconstruction.ca/

INSTAGRAM: https://www.instagram.com/bowersconstruction/?hl=en

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

FIND US ON:

INSTAGRAM: https://www.instagram.com/controlandcompound/

TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en

LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true

Watch the webinar on the Rockefeller Method now: https://shorturl.at/14eAL

On today's episode, it's the November update! The economy is shifting — fast. With rate cuts back on the table, inflation refusing to fade, and housing programs promising change, Canadians are searching for clarity. Darren and Christina unpack everything you need to know before 2026 hits:

- The Bank of Canada's second consecutive cut — what it means for your savings, debt, and investments

- Inflation's comeback and why it's still "sticky"

- Youth unemployment at 15% — the next financial crisis no one's talking about

- Bitcoin's Black Friday meltdown and how institutional whales like BlackRock profited

- The truth about Build Canada Homes — a $13 billion federal experiment

- Canada's looming $70 billion deficit and what it says about our future

If you're a Canadian business owner, investor, or someone who refuses to let the economy dictate your freedom — this episode is for you.

Show notes:

00:00 - Introduction

00:30 - Interest rate update

1:25 - Inflation update

3:40 - Canadian dollar update

4:40 - Stock market and Bitcoin update

10:25 - Real estate market update

17:25 - Economic news

20:25 - Life insurance industry news

23:00 - Podcast news

BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

FIND US ON:

INSTAGRAM: https://www.instagram.com/controlandcompound/

TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en

LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true