Every investor has opinions — but do you have actual guiding principles? In this episode, we walk through a real client conversation that revealed a critical gap between having an investment philosophy and actually following it when things get interesting. We break down the six guiding principles that drive every investment decision we make at Align Wealth, from avoiding market timing to managing your behavior when markets get scary. If you've never written down your investment mandate, this episode will show you exactly why you need one — and what it should include.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

In this episode, Scott and Chris sit down with Dr. Kyla Butz, a newly licensed chiropractor and Palmer graduate who has been documenting her journey from chiropractic student to first-year practitioner. Dr. Kyla opens up about the real financial realities of studying in the U.S. as a Canadian student — navigating exchange rates, student loans, and unexpected startup costs that hit the moment she graduated. She also shares how building her personal brand on Instagram helped her hit the ground running in practice, and why mentorship has been one of the most valuable investments she's made in her career. If you're a chiropractic student, new grad, or early-career chiropractor wondering what the transition really looks like, this one is for you.

Follow Dr. Kyla Butz on Instagram → https://www.instagram.com/chirokyla/

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

In this episode, Scott and Chris sit down with Dr. Kyla Butz, a newly licensed chiropractor and Palmer graduate who has been documenting her journey from chiropractic student to first-year practitioner. Dr. Kyla opens up about the real financial realities of studying in the U.S. as a Canadian student — navigating exchange rates, student loans, and unexpected startup costs that hit the moment she graduated. She also shares how building her personal brand on Instagram helped her hit the ground running in practice, and why mentorship has been one of the most valuable investments she's made in her career. If you're a chiropractic student, new grad, or early-career chiropractor wondering what the transition really looks like, this one is for you.

Follow Dr. Kyla Butz on Instagram →

https://www.instagram.com/chirokyla/

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

Can ChatGPT actually replace your financial advisor? In this episode, Scott puts AI to the test — feeding a detailed chiropractor scenario into an AI tool to see what kind of financial plan it would produce. The results were surprising, sometimes solid, and sometimes way off base. Tune in to hear what AI got right, where it fell short, and why "it depends" will always be the most important phrase in personal finance.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

With the Olympics underway, Scott and Chris put a fun spin on personal finance by drafting their ultimate "starting lineups" for financial success — using hockey positions. From offense (growth mindset, global investing, strong fundamentals) to defense (emergency funds, disability insurance, resilience) to the all-important goalie (life insurance, estate planning, and accountability partners), this episode breaks down what it really takes to win gold in your financial life. Tune in to see which lineup you'd draft.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth →www.alignwealth.ca

2025 was a wild ride in the markets—from Liberation Day chaos to all-time highs just 12 weeks later. In this episode, Scott recaps the year's biggest surprises, including why emerging markets beat the S&P 500 for the first time since 2017, what happened with Bitcoin and gold, and the critical behavioral lessons every long-term investor needs to remember heading into 2026.

Chapters:

• 0:00 – Introduction & Listener Shoutout
• 3:45 – 2025 Market Overview: A Year of Headlines
• 6:20 – Silver, Gold & Bitcoin: The Speculative Standouts
• 10:15 – The Best Performing Asset Class of 2025
• 13:40 – Liberation Day: Market Crash to Recovery in 12 Weeks
• 17:50 – The Bumpy Road to Long-Term Averages
• 21:30 – Action Items: Portfolio Check, Strategy & Ignoring the Noise

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

Warren Buffett retired as CEO of Berkshire Hathaway at age 95, ending six decades of legendary investing. We break down three timeless lessons from the GOAT that every chiropractor can apply to their wealth-building journey.

What we cover: ✓ Time in the market beats timing the market ✓ Keep costs low and avoid complexity (plus his $1M bet against hedge funds) ✓ Behaviour matters more than strategy

Plus: Buffett's $3 McDonald's breakfast, his five-Coke-a-day habit, and why he still lives in his $31,000 house from 1958.

Key Takeaway: You don't need to be Warren Buffett. You just need to follow the simple principles he recommends—low-cost index funds, long holding periods, and disciplined behavior.

Tax planning doesn’t have to be complicated — but it does have to be intentional.

In this episode of The Chiro Money Show, Scott Campbell and Chris Scheele from Align Wealth walk through foundational tax planning for chiropractors at every stage of their career — from new grads and associates, to practice owners in the long middle, all the way to those thinking about scaling back or exiting practice.

This isn’t about loopholes, fancy write-offs, or pushing the limits with the CRA. It’s about understanding how tax planning actually works, avoiding common mistakes, and building systems that reduce stress and create long-term flexibility.

In this episode, we cover:

• The difference between tax planning and tax filing
• What new grads and associates need to get right early
• When (and why) incorporating actually makes sense
• Why using your practice like an ATM causes tax headaches
• Salary vs dividends and how compensation decisions compound over time
• How RRSPs, TFSAs, FHSAs, CPP, and corporate investing fit together
• Common mid-career tax mistakes we see chiropractors make
• What to start thinking about years before selling or exiting a practice

If you want fewer tax surprises, better clarity around your income, and a long-term plan that supports both your lifestyle and your future — this episode is for you.

Why do personal finance topics get so heated? In this episode, we tackle five controversial debates that often spark intense disagreement—renting vs. buying, dividend investing, the FIRE movement, permanent insurance, and more. We break down the math, the emotions, and the identity pieces that make these topics so polarizing.

From understanding why renting isn't "throwing money away" to exploring the hidden costs of homeownership, debunking dividend investing myths, and examining the extreme frugality of FIRE, we're giving you both sides so you can make informed decisions that work for YOUR life—not what society tells you to do.

Chapters:

0:00 - Intro & Updates (RIP Tamagotchi)1:11 - Why These Topics Are So Controversial1:29 - Renting vs. Buying: The Identity Question14:43 - Dividend Investing: Free Money or Tax Trap?23:33 - FIRE Movement: Financial Independence or Life Sacrifice?29:52 - Permanent Insurance: Investment Strategy or Oversold Product?36:40 - Wrap Up: Personal Finance is Personal

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca

Market crashes are inevitable—but are you prepared? In this episode, we break down how to build a portfolio and mindset that can weather any storm. We explore why crashes happen more often than you think (every 3-4 years on average), the psychology behind investor panic, and five essential pillars to help you stay invested for the long haul. Whether you're a seasoned investor or just getting started, this episode will help you understand that the best crash-proof strategy isn't avoiding crashes—it's being positioned to handle them when they come.

📊 Take the Financial Clarity Assessment → https://alignwealth.scoreapp.com

📸 Follow Scott Campbell on Instagram → www.instagram.com/scottcampbell.fp

🌐 Learn more about Align Wealth → www.alignwealth.ca