Ready to retire with confidence? Book your free retirement assessment: https://calendly.com/westendwealth/introcall

In this special guest episode of Retirement Straight Talk, William and Paul Barreca welcome entrepreneur, wealth advisor, and IPC co-founder Chris Reynolds to share insights from his new book, The Six Circle Strategy.

After 30+ years helping business owners build, grow, and exit successfully, Chris has distilled his experience into a practical, powerful framework for aligning your business, wealth, and personal freedom.

💡 In this episode, you’ll learn:

✔️ What the Six Circle Strategy is and how to apply it

✔️ How to reconnect with your vision when you’re feeling stuck

✔️ Why fulfillment (not just revenue) should be your metric for success

✔️ How to avoid burnout by building trust and focus into your business

✔️ Real-life lessons from 30+ years in entrepreneurship and advising

📘 Get Chris’ New Book:

The Six Circle Strategy: The Entrepreneur’s Journey to Wealth and Freedom

→ Buy now or learn more at: https://chrissreynolds.ca

🎙️ Listen to Chris' podcast:

Turning the Page: https://www.ipcc.ca/turning-the-page-podcast

The views and opinions expressed in this podcast may not necessarily reflect those of IPC Securities Corporation. This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions.

Hosted on Acast. See acast.com/privacy for more information.

What does 35 years in financial planning really teach you?

In Part 2 of this special Retirement Straight Talk series, Paul and William Barreca share the final five lessons from Paul’s 35-year career helping Canadians plan smarter, invest better, and avoid the mistakes that derail financial freedom.

🎯 In this episode, you'll learn:

• Why the basics of wealth-building still work (but most people ignore them)
• The real reason you need insurance, and how to view it differently
• Why your portfolio is not your plan
• How procrastination quietly kills your dreams
• Why great financial advice might be your best investment

📘 PLUS - Free Resource

9 Tax & Retirement Strategies Every Business Owner Needs to Know

Learn nine smart ways to protect your family, reduce tax, and make better long-term decisions for your business.

👉 Download your copy: https://www.westendwealth.com/free-whitepapers

📞 Want to talk through your plan?

Book a no-pressure conversation at: https://calendly.com/westendwealth/introcall?month=2025-11

Hosted on Acast. See acast.com/privacy for more information.

What do 35 years in the wealth planning business teach you?

After over three decades in the wealth planning business, Paul has seen just about everything.

In Part 1 of this special 2-part series, Paul Barreca shares the first five timeless truths he’s learned from decades of helping clients plan, invest, and navigate financial decisions.

This is a candid conversation about the real lessons that matter. The ones that help you protect your freedom, control your outcomes, and keep your financial life aligned with your real goals.

🎙️ You’ll hear:

✔️ Why money = freedom (not happiness)

✔️ Why investing is not gambling

✔️ The danger of overconfidence

✔️ Why a written plan matters more than a market prediction

✔️ The counterintuitive secret to investing success

🔔 Like, subscribe, and share!

Have questions after today's episode? Book a call: https://calendly.com/westendwealth/introcall?month=2025-10

👉 Checkout Our Free guide: “How to Build Your Dream Retirement Plan—and Avoid 7 Pitfalls That Can Derail It”: https://www.westendwealth.com/build-your-retirement

Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Tribar Financial Inc.

Hosted on Acast. See acast.com/privacy for more information.

You saved, invested, and planned, but now comes the real question: How do you actually use your money in retirement?

In this episode of Retirement Straight Talk, William and Paul break down the often-overlooked - but critical - concept of income sequencing: the order you draw from accounts like RRSPs, CPP, TFSAs, pensions, and corporate assets in retirement.

You’ll learn:

• A 5-step framework to build your personalized drawdown plan

• The risks of generic advice (like “always delay CPP”)

• Why RRIF shocks and OAS clawbacks catch retirees off guard

• When the “RRSP meltdown” strategy makes sense - and when it backfires

ª Real-world case studies that show how timing changes everything

Whether you’re 5 years from retirement or already drawing income, this episode will help you avoid costly mistakes and give you more peace of mind.

🔔 Like, subscribe, and share!

Have questions after today's episode? Let us help. Book a call: https://calendly.com/westendwealth/introcall?month=2025-10

👉 Check out Our Free guide: “How to Build Your Dream Retirement Plan—and Avoid 7 Pitfalls That Can Derail It”: https://www.westendwealth.com/build-your-retirement

Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Tribar Financial Inc.

Hosted on Acast. See acast.com/privacy for more information.

Thinking of adding your child to the ownership of your home, bank accounts, or investments to “make things easier”? This common estate planning shortcut could cost your family far more than you realize.

In this episode of Retirement Straight Talk, William and Paul dive into:

• What joint ownership really means (and why it's often misunderstood)

• When it works and when it can cause major tax and legal issues

• The surprising risk of losing control of your home

• Real-life stories of family conflict, CRA penalties, and unintended fallout

• Better alternatives: powers of attorney, trusts, clear documentation, and more

This is one of those episodes that could save your family thousands and a whole lot of heartache.

🔔 Like, subscribe, and share!

Have questions after today's episode? Let us help. Book a call: https://calendly.com/westendwealth/introcall?month=2025-09

👉 Check out Our Free guide: “How to Build Your Dream Retirement Plan—and Avoid 7 Pitfalls That Can Derail It”: https://www.westendwealth.com/build-your-retirement

Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Tribar Financial Inc.

Hosted on Acast. See acast.com/privacy for more information.

Not all advisors are created equal and picking the wrong one can cost you far more than a few bad investments.

In this episode of Retirement Straight Talk, Paul and William break down what real financial advice should look like, how compensation models shape recommendations, and the red flags that should have you walking away.

🧠 What you’ll learn:

• When you actually need an advisor (and when you don’t)

• What good advisors really do (it’s more than returns)

• Types of advisors & how they get paid

• Key questions to ask before hiring

• 7 red flags to never ignore

• Why great advice often pays for itself

Choosing the right advisor is one of the biggest financial decisions you’ll ever make.

🔔 Like, subscribe, and share!

Have questions after today's episode? Let us help. Book a call: https://calendly.com/westendwealth/introcall?month=2025-09

Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Tribar Financial Inc.

Hosted on Acast. See acast.com/privacy for more information.

Retirement isn’t just about saving enough. It’s about avoiding the hidden risks that can quietly undo everything you’ve built.

In this episode of Retirement Straight Talk, Paul and William unpack 6 retirement risks most Canadians miss and how to plan smarter so you can protect your freedom and peace of mind.

What you’ll learn:

• Why taxes may rise, not fall, in retirement - and what you can do about it

• Why dividends can mislead you

• Market timing almost always backfires

• How playing it “safe” too early costs you later

• How diversification is resilience

• And why purpose is as vital as money

👉 Protect your retirement. Download your free guide here: https://www.westendwealth.com/build-your-retirement

🔔 Like, subscribe, and share!

Have questions after today's episode? Book a call: https://calendly.com/westendwealth/introcall?month=2025-08

“Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Tribar Financial Inc.

Hosted on Acast. See acast.com/privacy for more information.

Businesses rarely fail for lack of ambition. More often, it’s the hidden gaps in strategy that quietly lead to their downfall.

In this episode, William and Paul share six strategic reasons even successful businesses fail. Plus, the two often-overlooked personal traits that can make or break you over the long run.

You’ll learn:

✅ The 6 most common strategic gaps that quietly put businesses at risk

✅ Why passion and persistence matter just as much as your business plan

✅ How to protect both your company and your personal financial future

Don't forget to check out our free guide: How to Build Your Dream Retirement Plan—and Avoid 7 Pitfalls That Can Derail It

📥 Download here: https://www.westendwealth.com/build-your-retirement

🔔 Like, subscribe, and share!

Have questions after today's episode? Book a call: https://calendly.com/westendwealth/introcall?month=2025-07

Hosted on Acast. See acast.com/privacy for more information.

You’ve seen it on your paycheque your whole life - Canada Pension Plan (CPP). But when it comes to actually drawing on it, the decision is far from simple.

In this episode of Retirement Straight Talk, William and Paul break down everything you need to know about CPP:

• What it is, how it works, and when you can start collecting

• How timing affects your monthly income

• Why most Canadians take it too early (and what it costs them)

• Real-life factors to consider before you make a move

• Why deferring might be one of the best financial decisions you can make

Tune in for clarity, real talk, and advice that could save you thousands.

👉 Download our free guide: “How to Build Your Dream Retirement Plan—and Avoid 7 Pitfalls That Can Derail It” [https://www.westendwealth.com/build-your-retirement]

📅 Book a call: https://calendly.com/westendwealth/introcall?month=2025-07

🔔 Don’t forget to like, subscribe, and share!

“Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Tribar Financial Inc.

Hosted on Acast. See acast.com/privacy for more information.

Are you your own worst investing enemy?

In this episode, Paul and William explore the surprising ways investor behaviour - more than market performance or stock selection - can hurt long-term returns.

From caveman instincts to market headlines that trigger emotional decisions, this episode will help you understand:

• Why you're wired to react emotionally—and how that costs you.

• How major events like COVID-19 and the Ukraine / Russia war triggered poor investor timing.

• The top 3 behavioural biases investors fall victim to.

• Simple, proven strategies to close the “behaviour gap” and stay on track.

🎯 Want to apply what you heard?

We created a whitepaper that builds on this exact topic.

Download your free copy: How to Build Your Dream Retirement Plan—and Avoid 7 Pitfalls That Can Derail It → https://www.westendwealth.com/build-your-retirement

Connect with Paul & William:

Book a free call: https://calendly.com/westendwealth/introcall

LinkedIn: Paul Barreca

LinkedIn: William Barreca

Facebook: West End Wealth Planning

X: William Barreca

The views and opinions expressed in this podcast may not necessarily reflect those of IPC Securities Corporation. This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions.

Hosted on Acast. See acast.com/privacy for more information.