Roughly 80% of Canadians get a tax refund every year, with the average sitting around $2,000. But getting a refund isn't free money — it means you overpaid the CRA and lent them your cash interest-free. This episode breaks down why that happens, how to stop it, and what to actually do with a refund when it lands. We also get into RRSP planning, the lump sum vs. monthly contribution debate, and why so many retirees end up resenting their RRSPs (hint: it's not the RRSP's fault). If you want your tax refund to do more than disappear into lifestyle spending, this one's worth a listen.

📊 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

A trillion dollars is expected to transfer from Baby Boomers to their children between 2023 and 2026 — one of the largest generational wealth transfers in Canadian history. But should that change how you're managing your own finances today? In this episode, Scott and Chris unpack what the data actually shows about inheritances in Canada, why building your retirement plan around one is risky, and what to do instead. They also dig into the conversations most families avoid having — the ones that can make or break how smoothly wealth gets passed on. If you're expecting an inheritance someday, or wondering how to think about your parents' estate, this one's worth a listen.

📊 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

Dr. Parm Rai — chiropractor, founder of Lux Talks, and 22-year practice veteran — joins Scott and Chris to unpack the difference between looking rich and actually being wealthy. From his origin story in El Salvador (where he watched a woman walk for the first time in years after a Gonstead adjustment) to his decade-long delayed gratification on a Porsche 911, Dr. Parm shares the mindset that's shaped both his practice and his personal finances.

This conversation is a must-listen if you've ever felt the pull to show success before you've actually built it. Dr. Parm breaks down why "balance" is really just trade-offs, why weekly meetings with his wife and business partner are non-negotiable, and why running worst-case scenarios is the foundation of real financial freedom. If you're a chiropractor or practice owner trying to build something that lasts — without sacrificing family dinners or your sanity — this one's for you.

📊 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

Connect with Dr. Parm Rai

🌐 RAI Chiropractic → Restore. Align. Inspire.
https://www.instagram.com/raichiropractic/

https://www.instagram.com/drparmrai/

🎤 Lux Talks → www.luxtalks.ca | https://www.instagram.com/luxtalks.ca/

Twenty years of financial planning experience between two advisors is bound to change a few opinions. In this episode, Scott and Chris get candid about the advice they used to give — on TFSAs, insurance riders, savings rates, cash flow planning, and paying into CPP — and how their thinking has shifted over time. Some of these are subtle evolutions, others are full 180s.

📊 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

If you had to hire a chiropractor tomorrow to come in and take over your patient volume — just the adjustments, not the management, not the business decisions — what would you have to pay them? And after that, would there be anything left over?

In this episode, we walk through a real-world example of a practice owner (we'll call him John) who's bringing in about $300,000 a year in revenue, carrying 60% overhead, and paying himself $100,000. That's only 35% of what he's actually generating — which is less than what most associates would accept as a split.

We break down how to think about your compensation in three parts: what you're worth as a chiropractor, what you should earn for managing the business, and what profit you deserve for taking on the financial risk of ownership. We also talk about the Profit First system, why "whatever's left over" isn't a pay strategy, and whether practice ownership is actually the right path for everyone.

If you've never done the napkin math on your own replacement cost, this episode will make you think.

📊 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

Should you throw your extra cash at the mortgage or put it to work in the market? On pure math, investing that extra $500/month wins by almost $80,000 over 20 years — but the math doesn't account for how you'll actually behave when markets drop 30%. We break down the numbers decade by decade, talk about why Morgan Housel calls paying off his mortgage the best money decision he ever made despite it being the worst financial one, and help you figure out which side of this debate is right for your situation.

📊 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

Running a chiropractic practice means you're also running a business — but most practitioners were never taught how. In this episode, we sit down with April Stroink, certified CFO and founder of the Money Fix Institute, to talk about what it actually takes to get a handle on your practice finances. April shares her own hard-won story of financial chaos in a retail business she owned, and how that experience shaped her mission to help health and wellness practitioners build real financial systems.

We cover what it means to be the Chief Financial Wellness Officer of your own practice, how to build a wealth care team (bookkeeper, CPA, advisor) that actually works together, why chasing top-line revenue often makes cash flow problems worse, and why margin of safety — not just more patients — is the move in 2026. If you've been avoiding your numbers, this one's for you.

Learn more and connect with April Stroink!

🌐 Website → https://aprilstroink.ca/

💼 LinkedIn → https://www.linkedin.com/in/april-stroink-2b11a411a/

📸 Instagram → https://www.instagram.com/aprilstroink/

📊 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

Most chiropractors have some version of a financial team — an accountant, an advisor, maybe an insurance broker. But knowing who's on your team is very different from knowing whose side they're actually on. The professionals in your financial corner aren't all incentivized the same way, and if you've never stopped to ask how they get paid, you might be surprised by what you find. In this episode, Scott and Chris break down how to evaluate the people managing your money — and make sure their interests are actually aligned with yours.

They cover what a great accountant really does (it's not just saying yes to everything), the January 2026 regulatory changes now requiring investment statements to clearly show advisor fees in dollar terms, and the four questions every chiropractor should ask before hiring any financial professional. If your advisor can't clearly explain how they get paid — that's your answer.

📊 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

Is critical illness insurance actually critical to have? In this episode, Scott and Chris dig into what a CI policy is, how it works, and whether it deserves a place in your financial plan — even if you're young, healthy, and think you've got it covered. Scott makes the case for why he's had coverage in place since age 25, shares a personal story about his mom's cancer diagnosis, and breaks down key considerations like corporate vs. personal ownership and how CI can work alongside your disability policy. Chris comes in as the skeptic — and might just leave a convert.

📊 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

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