Chasing hacks to “beat the algorithm” is a time sink. In this Tax Talk episode, Jared and Joe Whitbread cut through the noise and show you how small businesses actually win on social: by reverse-engineering their audience, showing consistent brand presence, and documenting the real work you do.

We break down why there isn’t one algorithm, how platforms read your behaviour, and why separating personal and business use matters. You’ll learn the simplest growth levers: consistency, engagement, and timing. We also cover ethics and authenticity, so you don’t tank your audience’s trust chasing trends.

What you’ll learn:

• There’s no single algorithm, and what platforms really track
• Align your content to your actual demographic
• Consistency > vira trends
• Authenticity and ethics
• Why your content should challenge and connect
• The anti-spam rule: stop cold-pitching; build relationships first

Find us at:

https://www.legacyllp.ca/

[email protected]

Need to get in touch with Joe?

Joe Whitbread

jsm) – Joe Social Media

[email protected]

403-391-2553

Timestamps:

00:00 Kicking it off

00:43 Overview of the episode

01:20 What are algorithms?

06:00 The impact of algorithms on your business

17:11 Consistency, engagement & timing

25:02 Tool & tips for creating content

37:49 Wrapping it all up

#SocialMediaStrategy #SmallBusinessMarketing #Algorithm

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Disclaimer: By using this website, blog or podcast, users agree as follows: The information, services and/or products are for general information only and any reliance on the information provided therein is done at your own risk. If you make tax, accounting, investing or legal decisions after accessing this website, blog or podcast, it is recommended that you consult a qualified professional first. The views and opinions expressed are those of the author, seller, guests or publisher and do not necessarily reflect the views of the organizations or businesses that these individuals are associated with. Although we make strong efforts to make sure my information is accurate, we cannot always guarantee that the information on this website, blog or podcast is always correct, complete or up-to-date.

If you’re selling a U.S. vacation home or rental as a Canadian, don’t let FIRPTA withholding, state taxes, and cross-border filings trap your cash for years.

In this Tax Talk episode, Jared talks with cross-border tax pro Steven Flynn about how Canadians can sell U.S. real estate the right way. That means minimizing withholding, avoiding double taxation, speeding up refunds, and sidestepping CRA headaches. From ITINs and state returns to foreign tax credits and forex gains, this is your practical roadmap to a clean exit.

What you’ll learn:

• FIRPTA explained: why buyers withhold up to 15% at closing and how/when it can be reduced
• How to calculate actual tax on the gain (not gross proceeds) on state and federal taxes
• Filing strategies that cut refund timelines from years to weeks
• ITIN essentials: why you need one, when to apply, and document pitfalls that cause delays
• How foreign tax credits work—and what proof CRA wants
• Filing order and calendars that help you avoid audit jams
• What to do if you haven’t reported prior U.S./Canadian rental income

Find us at:

https://www.legacyllp.ca/

[email protected]

Need to get in touch with Steven?

Steven Flynn

Andersen LLP

[email protected]

Timestamps

00:00 Kicking it off

01:32 Overview of the Foreign Investment and Real Property Tax Act (FIRPTA)

05:42 Other tax obligations as a Canadian owning an American property

11:56 Tax credit application processes & timelines

18:32 Common mistakes

21:41 What to look out for when buying a property in the US

23:48 Bonus tips

27:31 Wrapping it all up

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Disclaimer: By using this website, blog or podcast, users agree as follows: The information, services and/or products are for general information only and any reliance on the information provided therein is done at your own risk. If you make tax, accounting, investing or legal decisions after accessing this website, blog or podcast, it is recommended that you consult a qualified professional first. The views and opinions expressed are those of the author, seller, guests or publisher and do not necessarily reflect the views of the organizations or businesses that these individuals are associated with. Although we make strong efforts to make sure my information is accurate, we cannot always guarantee that the information on this website, blog or podcast is always correct, complete or up-to-date.

The Canadian dollar keeps sliding, and it’s hitting your long-term purchasing power. So how do you protect your savings when cash is quietly losing value? How to combat inflation

In this episode of Tax Talk, Jared sits down with investor and educator, Luke Spicer, to unpack why the CAD is weakening, how inflation really works, and whether gold and silver can serve as a practical hedge. We get into the silver-to-gold ratio, industrial demand for silver (EVs, solar, national defence), practical buying tips, storage options, and even how some Canadians hold physical metals inside registered accounts (RRSP, TFSA, RRIFs) through a trust company and compliant vaults.

What you’ll learn:

• Why the Canadian dollar is struggling and how “invisible taxes” like inflation erode savings
• Currency vs. money: why gold and silver have held purchasing power across history
• How premiums, spot vs. market price, and buybacks actually work when purchasing metals
• Storage choices, including at-home vs. insured vaults in Canada/offshore
• Liquidity, volatility, implementation, and separating signal from hype
• Why idle cash in bank accounts can be a drag and how to think in “purchasing power” terms

Find us at:

https://www.legacyllp.ca/

[email protected]

Need to get in touch with Luke?

Find Luke Spicer on LinkedIn.

#InvestmentStrategies #HowToCombatInflation #InvestInGold

00:00 Kicking it off

00:47 Overview of the episode

01:23 The Canadian Dollar keeps diving

06:13 Investing in silver and gold is still out of the norm

09:53 Silver and gold investment performance

16:25 A physical investment for security

23:16 Versus investing in RRSPs, RRIFs, LIFs, Etc.

29:56 Inflation education

42:22 Wrapping it up

40:49 Wrapping it all up

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Disclaimer: By using this website, blog or podcast, users agree as follows: The information, services and/or products are for general information only and any reliance on the information provided therein is done at your own risk. If you make tax, accounting, investing or legal decisions after accessing this website, blog or podcast, it is recommended that you consult a qualified professional first. The views and opinions expressed are those of the author, seller, guests or publisher and do not necessarily reflect the views of the organizations or businesses that these individuals are associated with. Although we make strong efforts to make sure my information is accurate, we cannot always guarantee that the information on this website, blog or podcast is always correct, complete or up-to-date.

Canadian homeowners: what if your mortgage could help you build wealth, reduce taxes, and help you pay off your mortgage sooner—without increasing your monthly payments?

In this episode of the Tax Talk Podcast, I sit down with Nick Cox at The Smith Manoeuvre to break down how Canadians can convert non-deductible mortgage interest into tax-deductible investment interest using a re-advanceable HELOC. You’ll learn the “Plain Jane” foundation, the five accelerators, who this strategy fits best, real risks to watch for, and how to implement it properly with professional guidance.

What you’ll learn:

• What the Smith Manoeuvre is
• The “Plain Jane-core” process with a re-advanceable HELOC
• The five accelerators (Debt Swap, Cash Flow Diversion, Cash Flow Dam, DRIP, Prime the Pump)
• Why non-registered, income-producing investments are essential
• How tax-deductible interest, refunds, and compounding can accelerate wealth
• The mortgage freedom date and the psychology of good vs. bad debt
• Key risks: implementation, market, and liquidity, and how to mitigate them
• A powerful tip for rental property owners: the Cash Flow Dam

Do you have questions about what was discussed in this episode, or maybe you have another question about accounting or tax planning? Leave them in the comments—I’ll send you a response, or we can tackle them in future episodes. Subscribe for more Canadian tax and wealth strategies:

Find us at:

https://www.legacyllp.ca/

[email protected]

Need to get in touch with Nick?

Nick Cox

The Smith Manoeuvre

[email protected]

#buildingwealth #mortgagepayments #taxplanning

Timestamps

00:00 Kicking it off

00:45  Overview of the episode

01:18 What is the Smith Manoeuvre?

02:40 First step in the Smith Manoeuvre: the Plain Jane

10:24 You don't need that additional cash output

15:42 Concerns around holding HELOC debt

21:16 A long term strategy

22:46 The 5 Accelerators

27:36 Who would be the best fit to take on the Smith Manoeuvre?

36:28 Know the risks of this mortgage payment process

39:24 Top benefits of the Smith Manoeuvre

40:49 Wrapping it all up

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Disclaimer: By using this website, blog or podcast, users agree as follows: The information, services and/or products are for general information only and any reliance on the information provided therein is done at your own risk. If you make tax, accounting, investing or legal decisions after accessing this website, blog or podcast, it is recommended that you consult a qualified professional first. The views and opinions expressed are those of the author, seller, guests or publisher and do not necessarily reflect the views of the organizations or businesses that these individuals are associated with. Although we make strong efforts to make sure my information is accurate, we cannot always guarantee that the information on this website, blog or podcast is always correct, complete or up-to-date.

Confused by RSPs, TFSAs, and other investment opportunities but still want to grow your legacy of wealth? Join us as we break down Canada's key investment accounts and reveal tax-saving strategies that could save you thousands.

What You'll Discover:

• RSP withdrawal timing
• TFSA optimization for tax-free growth and inheritance planning
• New FHSA secrets for first-time homebuyers
• Investment types explained: stocks, bonds, ETFs, and alternatives
• Corporate vs. personal investment tax strategies
• House flipping rules and capital gains implications

You’ll also learn why timing your RSP withdrawals between retirement and age 70 is crucial, how to maximize TFSA benefits for your estate, and the investment strategies that work best for your situation.

This podcast episode is ideal for Canadian investors, business owners, and individuals serious about building wealth while minimizing their tax burden.

Subscribe for expert insights from Legacy Accounting LLP and visit legacyllp.ca for personalized financial guidance.

Find us at:

https://www.legacyllp.ca/

[email protected]

Need to get in touch with Stephen?

Stephen van Santen

Bridgeline Wealth

[email protected]

403-986-1437

#investing #smallbusinessfinance #accounting

00:00 Kicking it off

00:44  Overview of the episode

01:51 Registered Retirement Savings Plans (RRSP)

06:17 Tax Free Savings Accounts (TFSA)

10:14 Non-Registered Accounts

13:38 Registered Education Savings Plans (RESP)

17:05 Registered Disability Savings Plans (RDSP)

18:28 First Time Homebuyers Savings Account (FHSA)

21:54 Investment Types: Stocks, Mutual Funds, ETFs, Bonds, GICs, and Real Estate

29:45 Best investment types for corporations

31:29 Best investment types for personal use

32:16 Extra tax-smart investment tips

35:00 Wrapping it all up

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Disclaimer: By using this website, blog or podcast, users agree as follows: The information, services and/or products are for general information only and any reliance on the information provided therein is done at your own risk. If you make tax, accounting, investing or legal decisions after accessing this website, blog or podcast, it is recommended that you consult a qualified professional first. The views and opinions expressed are those of the author, seller, guests or publisher and do not necessarily reflect the views of the organizations or businesses that these individuals are associated with. Although we make strong efforts to make sure my information is accurate, we cannot always guarantee that the information on this website, blog or podcast is always correct, complete or up-to-date.

Corporate life insurance represents one of the most powerful yet misunderstood financial tools available to you as a business owner. While you may recognize its potential benefits, the complexity surrounding these policies often leads to poor decisions that can impact your business operations and estate planning.

On this episode of the Tax Talk Podcast, we’re cutting through the complexity to deliver practical, actionable insights for business owners considering corporate life insurance as part of their tax and estate planning strategy. Whether you're funding buy-sell agreements, planning wealth transfer, or seeking tax-efficient investment vehicles, this conversation provides the clarity you need to make informed decisions.

Perfect for business owners, entrepreneurs, and anyone interested in advanced tax planning strategies.

Essential Pre-Purchase Strategy:

• Why involving your accountant is critical before purchasing
• Three fundamental questions every business owner must answer
• When term insurance might be the better solution

Six Key Benefits:

• Using after-tax corporate dollars for maximum efficiency
• Preserving your small business deduction
• Tax-sheltered growth and flexible borrowing options
• Creating Capital Dividend Account (CDA) for tax-free wealth transfer
• Building valuable collateral for business financing
• Premium flexibility for changing business needs

Implementation Insights:

• Required vs. optional premium structures
• Leveraging policy cash value for business opportunities
• Annual policy reviews and performance monitoring
• Choosing the right advisor and insurance carrier

Find us at:

Legacy Accounting LLP

https://www.legacyllp.ca/
[email protected]

Rylan Olsen
Swell Private Wealth Ltd.
[email protected]
403-487-0490

00:00 Kicking it off

00:52 Overview of the episode

02:02 What business owners should consider before purchasing a life insurance policy

06:14 Three questions to drive your decision

11:54 The benefits of owning a life insurance policy within your corporation

23:52 Who you buy your life insurance from matters

26:58 Capital Dividend Accounts (CDA)

30:06 "It's like buying a truck"

40:00 Wrapping it all up

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 Disclaimer: By using this website, blog or podcast, users agree as follows: The information, services and/or products are for general information only and any reliance on the information provided therein is done at your own risk. If you make tax, accounting, investing or legal decisions after accessing this website, blog or podcast, it is recommended that you consult a qualified professional first. The views and opinions expressed are those of the author, seller, guests or publisher and do not necessarily reflect the views of the organizations or businesses that these individuals are associated with. Although we make strong efforts to make sure my information is accurate, we cannot always guarantee that the information on this website, blog or podcast is always correct, complete or up-to-date.

On this episode of the Tax Talk Podcast, we are joined by Garth Epp, the co-owner of Your Limits Lifted and an expert on business coaching, mentorship and the provision of online, web-based tools. We are exploring the Working Geniuses model. Your team members can fit into the six Working Geniuses: Wonder, Invention, Discernment, Galvanizing, Enablement and Tenacity. We’ll look at how you can get the most out of your employees, and how to get them into the right seats in your business. Ensure that each member of your team is reaping the most out of the business opportunities, but also for you, as the owner, to see the business grow and everyone is fulfilled to the best of their abilities.

Garth Epp
 Your Limits Lifted
 [email protected]
403-318-9841 

00:00 Intro

00:50 Overview of the episode

02:36 The 6 types of Working Geniuses

13:20 How the Working Genius sequence works in your business

19:39 The best roles for each Working Genius

25:32 The assessment process

31:47 How to team up your Working Geniuses

38:26 How valuable is the Working Genius model for your business?

45:40 Wrapping it all up

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 Disclaimer: By using this website, blog or podcast, users agree as follows: The information, services and/or products are for general information only and any reliance on the information provided therein is done at your own risk. If you make tax, accounting, investing or legal decisions after accessing this website, blog or podcast, it is recommended that you consult a qualified professional first. The views and opinions expressed are those of the author, seller, guests or publisher and do not necessarily reflect the views of the organizations or businesses that these individuals are associated with. Although we make strong efforts to make sure my information is accurate, we cannot always guarantee that the information on this website, blog or podcast is always correct, complete or up-to-date.

We’re joined by Joe Whitbread of Jo(e) Social Media to discuss how you can find the hidden opportunities in your side hustle. With inflation creeping up, its becoming more appealing to bankroll a cashflow. In this Tax Talk Podcast, we’re sharing unique ways to broaden your side hustle and see more cash in your pocket. 

Joe Whitbread
 jsm) – Joe Social Media
 [email protected]
403-391-2553

00:00 Intro

00:49 Overview of episode

01:52 What is holding you back from growing your business?

05:56 A good social media presence can drive your opportunity

11:22 Brand Awareness vs Customer Engagement vs Customer Retention

16:21 Marketing tools for your side hustle

23:10 How many Canadians have a side hustle?

33:45 Starting a side hustle: the most important part of social media

38:14 Wrapping it all up

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 Disclaimer: By using this website, blog or podcast, users agree as follows: The information, services and/or products are for general information only, and any reliance on the information provided therein is done at your own risk. If you make tax, accounting, investing or legal decisions after accessing this website, blog or podcast, it is recommended that you consult a qualified professional first. The views and opinions expressed are those of the author, seller, guests or publisher and do not necessarily reflect the views of the organizations or businesses that these individuals are associated with. Although we make strong efforts to make sure my information is accurate, we cannot always guarantee that the information on this website, blog or podcast is always correct, complete or up-to-date. 

In this episode of the Tax Talk Podcast, we are chatting with David Prowse about the emotional side of exiting your business. You will speak with your account and lawyer about the tax and legal side of the sale, but do you consider the emotional aspects that come with selling your business? Do you have a plan in place that will ensure that you are happy and fulfilled when you move on from that project? We are going to look at why you need to consider the emotional side of exit planning and create a plan for your life after the sale.  

David Prowse
 M&A Evolution
 [email protected]
905-337-8341

00:00 Kicking it off

00:52 Overview of episode

02:01 The emotional side of exit planning

05:40 Why you need to consider the emotional side

09:13 Sellers remorse

12:56 Your life after the sale

17:32 A transition period

22:04 The Pessimist vs the Know-It-All

27:03 Final thoughts on exit planning

29:30 Wrapping it all up

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 Disclaimer: By using this website, blog or podcast, users agree as follows: The information, services and/or products are for general information only and any reliance on the information provided therein is done at your own risk. If you make tax, accounting, investing or legal decisions after accessing this website, blog or podcast, it is recommended that you consult a qualified professional first. The views and opinions expressed are those of the author, seller, guests or publisher and do not necessarily reflect the views of the organizations or businesses that these individuals are associated with. Although we make strong efforts to make sure my information is accurate, we cannot always guarantee that the information on this website, blog or podcast is always correct, complete or up-to-date.

In this episode of the Tax Talk Podcast, we are looking at how you can build your financial legacy through smart real estate investments. Real estate investment offers numerous opportunities for you to accumulate wealth and gain financial independence. With careful financial planning and the assistance of a professional accountant, you can get the most out of your investment.

We are joined by Bryce Kander from Realty Executive Alberta Elite. We'll be providing some effective strategies for both aspiring and seasoned investors. From buying your first home and converting it into a rental property to unlocking capital through a Home Equity Line of Credit, there are many investment strategies for you to learn.

Bryce Kander
Realty Executives Alberta Elite
[email protected]
403-896-7331

00:00 Kicking it off
00:48  Overview of episode
01:55 Investment vehicles for a first home purchase
05:41 Property flipping rules
08:18 Vendor Take Back Mortgages
11:57 Rent-to-Own
18:20 Joint Ventures
22:17 Private Lenders
26:00 HELOC Financing
26:56 The BRRRR Method: Buy, Rehab, Rent, Refinance, Repeat
33:35 Wrapping it all up

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 Disclaimer By using this website, blog or podcast, users agree as follows: The information, services and/or products are for general information only and any reliance on the information provided therein is done at your own risk. If you make tax, accounting, investing or legal decisions after accessing this website, blog or podcast, it is recommended that you consult a qualified professional first. The views and opinions expressed are those of the author, seller, guests or publisher and do not necessarily reflect the views of the organizations or businesses that these individuals are associated with. Although we make strong efforts to make sure my information is accurate, we cannot always guarantee that the information on this website, blog or podcast is always correct, complete or up-to-date.