As we close out 2025, Chris and Scott reflect on the year that was—both personally and professionally—and share a framework for meaningful year-end reflection. They discuss the importance of looking beyond your net worth statement to assess true financial progress, recognizing that success isn't always measured in dollars. Whether you crushed your goals or simply survived a challenging season, this episode will help you gain perspective on what matters most and set yourself up for a strong 2026.

Chapters:

0:00 - Welcome & End of Year Plans

2:25 - Align Wealth Year in Review

4:17 - Team Growth & Conference Season

6:27 - The Chiro Money Show Journey

7:42 - Year End Reflection & Alignment

11:40 - Taking Your Financial Snapshot

14:16 - The Power of Small Progress

15:42 - Redefining Financial Progress

18:51 - Your Net Worth ≠ Your Self Worth

19:56 - Building Systems for 2026

📊 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

As we close out 2025, Chris and Scott reflect on the year that was—both personally and professionally—and share a framework for meaningful year-end reflection. They discuss the importance of looking beyond your net worth statement to assess true financial progress, recognizing that success isn't always measured in dollars. Whether you crushed your goals or simply survived a challenging season, this episode will help you gain perspective on what matters most and set yourself up for a strong 2026.

Chapters:

0:00 - Welcome & End of Year Plans

2:25 - Align Wealth Year in Review

4:17 - Team Growth & Conference Season

6:27 - The Chiro Money Show Journey

7:42 - Year End Reflection & Alignment

11:40 - Taking Your Financial Snapshot

14:16 - The Power of Small Progress

15:42 - Redefining Financial Progress

18:51 - Your Net Worth ≠ Your Self Worth

19:56 - Building Systems for 2026

📊 Take the Financial Clarity Assessment

📸 Follow Scott Campbell on Instagram

🌐 Learn more about Align Wealth

Disability insurance might be the most misunderstood part of a financial plan—but it's also one of the most critical. In this episode, we break down everything chiropractors need to know about protecting their most valuable asset: their ability to earn an income. From understanding policy components to navigating coverage options, we make this complex topic surprisingly straightforward.

Chapters:

• 00:00 Introduction to Disability Insurance

• 00:37 Why Insurance Gets Kicked Down the Road

• 01:32 What Triggers Insurance Conversations

• 02:44 Understanding Disability Insurance Basics

• 04:12 Dr. Sarah's Scenario: A Real-World Example

• 05:52 The Three Components of Disability Coverage

• 10:44 Protecting Your Lifetime Earning Potential

• 12:31 What Makes a Quality Disability Contract

• 14:55 Residual Benefits Explained

• 17:28 Business Overhead Expense Coverage

• 20:01 What Good Coverage Looks Like for Chiropractors

• 23:33 Understanding Non-Cancellable Contracts

• 25:27 Future Insurability Options for New Grads

• 28:21 How to Pay for Disability Coverage

• 31:10 Common Objections: "It's Too Expensive"

• 34:19 The "I'm Healthy" Myth

• 37:42 Living Life with Confidence

📊 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 try to time the market or just stay invested? In this episode, we break down why successful investing isn't about finding the next hot stock or timing market crashes—it's about sticking to a strategy that already works. We explore the three fundamentals of evidence-based investing, why professional fund managers can't consistently beat the market, and how emotions destroy more wealth than bad investments ever could. If you've been waiting for the "right time" to invest or wondering if your strategy is too simple, this episode will change how you think about building long-term wealth.

Chapters:

• 0:00 - Welcome back & New Zealand highlights

• 2:05 - Why we finally need to talk about investing

• 4:10 - Why we invest in the first place

• 7:58 - The three fundamentals: Why investing is "solved"

• 10:34 - Active vs. passive management explained

• 15:05 - The March 2020 story: When timing the market backfires

• 19:52 - The emotional roller coaster of investing

• 25:16 - What evidence-based investing really means

• 29:34 - Setting up your investment strategy

• 31:18 - Common objections: "It feels too simple" & "What if markets crash?"

📊 Take the Financial Clarity Assessment

📸 Follow Scott Campbell on Instagram

🌐 Learn more about Align Wealth

Starting a new year often brings the urge to dive straight into financial tactics—RSP contributions, tax strategies, investment allocations. But before you jump into the "how," have you taken time to reflect on the "why"?

In this episode, we explore three essential questions that go deeper than spreadsheets and account balances: Where are you today? Where do you want to go? And how will you get there? We discuss why stepping back from the numbers first—examining how you spend your time, whether money feels aligned with your values, and what you'd regret not prioritizing—creates the foundation for meaningful financial decisions.

From building sustainable habits to the power of accountability, this conversation reframes financial planning as an ongoing process, not a one-time checklist. Perfect for chiropractors looking to start 2026 with intention and clarity.

Chapters:

• 00:00 - Welcome & New Year Reflections
• 01:11 - Common New Year Financial Questions
• 04:28 - Question 1: Where Are You Today?
• 07:41 - Question 2: Where Do You Want to Go?
• 10:25 - What Would "Enough" Look Like?
• 12:31 - Removing Comparison from Your Goals
• 14:02 - The Five-Year Regret Test
• 16:03 - Question 3: How Do We Get There?
• 16:52 - Building Framework Before Tactics
• 18:01 - The Power of Consistency & Habits
• 19:53 - Why Financial Planning Is a Process, Not a One-Time Event
• 22:55 - When Tactics Actually Matter
• 24:22 - Closing Thoughts & New Year Invitation

📊 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

Why Your Investment Returns Are Lower Than You Think (And What To Do About It)

Most investors believe success comes from picking winning stocks or timing the market perfectly. But the data tells a different story: the average equity investor earns 2-3% less per year than their actual investments return. The culprit? Human behavior.

In this episode, we break down the most common behavioral biases that sabotage long-term investment success—from overconfidence and recency bias to the sunk cost fallacy and home country bias. Through real conversations with chiropractors and clients, we reveal how these mental traps show up in everyday investing decisions and, more importantly, how to build a strategy that keeps you on track.

If you're serious about building wealth, this episode will shift how you think about investing forever.

Chapters:

00:09 - Welcome & Introduction

02:45 - The Behavior Gap: Why Investors Underperform Their Own Investments

05:20 - Seven Common Investment Biases Explained

08:15 - Real Story #1: The 100% US Equity Investor

11:30 - Real Story #2: All-In on Cryptocurrency

14:45 - Real Story #3: Holding Onto Losing Stocks

17:20 - Home Country Bias: Why Canadians Overweight Canada

20:35 - Seven Takeaways for Better Investing

26:10 - Closing Thoughts & Mailbag Invitation

📊 Take the Financial Clarity Assessment Here

📸 Follow Scott Campbell on Instagram

🌐 Learn more about Align Wealth

Why does financial alignment with your spouse matter more than perfect investment returns or tax strategies?

In this episode, Chris and Scott break down why the happiest couples aren't necessarily the richest—they're just the most aligned. Drawing from real client examples, they explore what true financial partnership looks like and share the powerful 5Cs framework for making major financial decisions together.

Whether you're the spreadsheet person or not, this conversation will help you build a stronger financial team with your partner.

CHAPTERS:

00:00 - Introduction

00:20 - Why Financial Alignment Matters More Than Returns

01:27 - What an Aligned Couple Looks Like

03:26 - The Disconnected Couple: Red Flags to Watch For

05:07 - Money Fights & Divorce: Why Even Billionaires Struggle

06:47 - Minimum Financial Knowledge Every Partner Should Have

08:25 - Getting Aligned on Vision, Spending & Visibility

11:15 - Communication, Roles & Division of Labor

12:52 - The 5Cs Framework for Financial Decisions

21:04 - Consequences: Best & Worst Case Scenarios

23:09 - Common Objections: "My Spouse Isn't Interested"

27:00 - What to Do When Money Talks Cause Fights

28:11 - Key Takeaways & Action Steps

📊 Take the Financial Clarity Assessment Here

📸 Follow Scott Campbell on Instagram

🌐 Learn more about Align Wealth

Most people spend their lives saving for “someday.” But what if you’re saving so much for the future that you’re missing the best years of your life right now?

In this episode, Scott and Chris unpack the core ideas from Die With Zero by Bill Perkins — how to find the balance between living fully today and planning responsibly for tomorrow. They dive into the relationship between money, health, and time; how to build life “buckets” for experiences; and why the most thoughtful inheritance might be the one you give (or live) while you’re still here.

If you’ve ever wondered how to spend intentionally without guilt — or when you’ve finally done enough saving — this one’s for you.

Take the Financial CLARITY Assessment here.

Most chiropractors don’t need another budget—they need a system that actually works with how humans spend.

In this episode, Scott and Chris break down behavioural cash flow planning—a practical system designed to help you spend better, stress less, and finally feel in control of your money.

They’ll walk through a real case study to show how separating your committed expenses from your spendable money creates clarity, confidence, and progress toward your goals.

Whether you’re tired of tracking every dollar or just want a better way to manage your finances, this is your roadmap to financial calm.

Take the Financial CLARITY Assessment here.

Salary vs. dividends—what’s the smartest way for an incorporated chiropractor to pay themselves? In this episode, Scott and Chris break down why treating your corp like an ATM creates CRA surprises, how the “dividend tax trap” happens, and why predictable owner’s pay beats random draws. We unpack salary vs. dividends in plain English (CPP isn’t a “tax,” RRSP room matters), how Profit First helps stabilize your paycheque, and why the right answer depends on your stage of practice and a 30-year tax plan—not just this year’s refund. Canadian context throughout.

You’ll learn:
• How random draws lead to anxiety, lumpy saving, and surprise tax bills• A simple tax set-aside rule to avoid the dividend trap• When salary often wins (CPP + RRSP room + tax diversification)• Why lifetime tax planning > one-year minimization

Chapters:
02:00 Corp ≠ ATM08:30 The Dividend Tax Trap (+ an easy fix)12:45 Predictable pay → predictable investing16:00 CPP & RRSP realities (Canada)21:30 Tax diversification and future “levers”23:30 Think 30 years, not 12 months26:30 Takeaways + next steps

Take the free Financial CLARITY Assessment.

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