Unconventional Wisdom

Dec 05 2024 115 ep. 24 mins 15
Unconventional Wisdom Podcast artwork

Welcome to the Unconventional Wisdom podcast. The show that helps you achieve financial security & freedom. Insights based on in-depth experience from Canada's #1 financial planner blogger. Find out what really works. Your host, fee-for-service financial planner & tax accountant, Ed Rempel.

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RRSP/RRIF Meltdown Strategies

Dec 05 2024 26 mins  
Ever wondered how you can get the money out of your RRSP with a minimum of tax? RRSP/RRIF Meltdown Strategies can allow you to withdraw from your RRSP or RRIF and have very little income show on your tax return. However, there are some tricky complications, and these strategies are not for everyone. In my latest podcast episode you’ll learn: How does the RRSP/RRIF meltdown stra

How Did the Wealthy Get Wealthy? Can I Copy Them?

Nov 28 2024 21 mins  
In a recent podcast episode, I talked about who the poor & wealthy are and how did they get there. Today, I’m diving deeper into one crucial aspect: how the wealthy became wealthy. Can their strategies work for you? Over the years, I’ve seen the full financial picture of thousands of Canadians and read countless studies on wealth building. While my clients are generally high

Lifecycle Investing: The Ultimate Strategy for Younger People – An Example

Nov 21 2024 27 mins  
I often get asked about Lifecycle Investing and how to implement it. If you're under 40 and saving to achieve financial independence, this might be the most powerful strategy you’ll ever learn. Lifecycle Investing has proven itself consistently over the last 150 years, increasing portfolios at retirement by an average of 63%. It has worked 100% of the time, and its success lies

Who Are the Wealthy and How Did They Get Rich?

Nov 07 2024 29 mins  
As a financial planner, I’ve had a unique view into the full financial picture of thousands of Canadians and have read countless studies. My experience spans clients of varying financial backgrounds, as well as countless conversations with readers of my blog, friends, and acquaintances. Although our clients may not represent the entire population—they tend to have higher inco

Your FREE passes: See my talks at the #1 online event – Canadian Financial Summit 2024

Oct 17 2024 4 mins  
The online Canadian Financial Summit is coming up the week of October 25-27. It’s the #1 personal finance event of the year. As a reader of the Unconventional Wisdom blog, here are your FREE passes for a limited time. With these FREE passes, you can watch all the talks for 48 hours. I’ll be one of the speakers again this year with three talks (see below), and I’ll be joined

Tax Brackets for Parents & Seniors Are Way Different Than You Think!

Oct 10 2024 19 mins  
Tax brackets for parents and seniors are way different than you think. This might be a real eye opener for some people because I think a lot of people that do some basic tax planning are doing it all wrong. In my latest podcast episode I'm going to give you a tax planning made easy using tax brackets. I'm going to show you how, some basics of tax brackets, and briefly how tax pla

Do You Need Savings in Addition to a Government Pension Like OMERS?

Oct 03 2024 26 mins  
When planning for retirement, many Canadians rely on a government pension like OMERS (Ontario Municipal Employees Retirement System) as their foundation. Do you need savings in addition to your government pension to maintain the lifestyle you want? A buddy called me from his car and said, “I’m driving. Will I get to my destination on time?” I asked, “Where are you going an

Dividend Investing Perfected with Self-Made Dividends (Canadian Financial Summit 2023)

Sep 26 2024 46 mins  
In the vast landscape of personal finance, dividend investing has carved out a significant niche. Whether you're browsing through countless blogs or hearing investment advisors champion its benefits, it’s clear that dividend investing is a popular choice, especially with the FIRE (Financial Independence, Retire Early) community. However, a closer look reveals that almost all the

Smith Manoeuvre In A Financial Plan & The New OSFI Rules (Canadian Financial Summit 2023)

Sep 19 2024 35 mins  
The Smith Manoeuvre is an efficient strategy to use your home equity to invest for your future without using your cash flow, while converting your mortgage into a tax-deductible debt. If you do the Smith Manoeuvre, understanding the new OSFI mortgage rules is crucial. In this podcast episode with Barry Choi, I break down what the changes mean and how they impact your strategy. You

How To Design Your Retirement Income: An Overview (Canadian Financial Summit 2023)

Sep 12 2024 54 mins  
With the Canadian Financial Summit coming up at the end of October, I wanted to share over the next few weeks content that Summit attendees had access to last year. When you register you get access to talks like these, plus a myriad of other speakers who are some of Canada’s top financial experts. I’ll be promoting the Summit and giving away free tickets too! // When it comes