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

Starting a new year often brings the urge to dive straight into financial tactics— RRSP 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

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