Control and Compound with Darren Mitchell

Control and Compound Financial | BNV Media

Welcome to Control and Compound with Darren Mitchell, a podcast about infinite banking, real estate investing, and what business owners and individuals should be doing with their money. For helpful tips and tricks, visit our Instagram, Facebook, and TikTok at @controlandcompound. Episodes release every Monday. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

  1. Business Owners: This RRSP Mistake Could Costs You Millions

    2D AGO

    Business Owners: This RRSP Mistake Could Costs You Millions

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   Should incorporated Canadian business owners contribute to an RRSP — or is it quietly working against them?   On today's episode, Darren and Christina break down what an RRSP actually is (a tax deferral, not a wealth strategy), why the "you'll be in a lower tax bracket in retirement" assumption often fails for successful business owners, and how forced RRIF withdrawals + OAS clawbacks can create a much higher effective tax rate later.   They also dig into the control problem: how locking money into RRSPs can limit liquidity, reduce flexibility, and increase opportunity cost for entrepreneurs who typically earn their highest returns in their business. Finally, they address the estate planning reality — how large RRSP balances can make CRA a major beneficiary.   If you're a business owner, this is the episode to listen to before you follow the herd. Show notes:   00:00 - Introduction   02:36 - RRSP basics: tax deferral today, taxed as income later 03:22 - The "lower tax bracket in retirement" assumption falls apart 05:19 - Why business owners often retire in the same or higher tax bracket 06:21 - Real Ontario examples: income drops, tax rate barely changes 07:20 - OAS clawback explained (effective extra tax) 10:05 - The shocker: deferring ~45% to later pay ~58% effective tax 15:55 - The control problem: RRSPs lock up entrepreneur liquidity 19:20 - Corporate opportunity cost: $0.88 in a corp vs $0.50 later 23:59 - Estate planning: why CRA can become your biggest beneficiary FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

    34 min
  2. 20 Years in Business: The Truth About Entrepreneurship No One Tells You | Darren Mitchell Spotlight

    6D AGO

    20 Years in Business: The Truth About Entrepreneurship No One Tells You | Darren Mitchell Spotlight

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us We're flipping the script for this month's entrepreneurial spotlight series and Darren is taking his turn in the hot seat! Entrepreneurship isn't built on highlight reels — it's built on hard decisions, uncomfortable moments, and learning how to survive uncertainty. From walking away from a secure corporate career, to $0 months, near-business-ending moments, and learning how to pivot under pressure — Darren shares the lessons most entrepreneurs only learn the hard way.   They break down: Why early success is often misleading The reality of financial stress in entrepreneurship How systems and people changed everything Why control of cash is non-negotiable What truly keeps entrepreneurs going long term This episode is for business owners, entrepreneurs, and anyone considering the leap — or already in the middle of it!   Show notes:   00:00 - Introduction   01:45 - Why Darren chose business and the financial industry   03:30 - Leaving a secure corporate career for entrepreneurship   05:40 - Starting with zero clients and the harsh reality of business   06:40 - The Disney trip that almost broke the business   08:30 - Learning to handle uncertainty and build a pivot muscle   10:30 - Why sharing struggles with the team matters   13:20 - Scaling through people and systems   16:20 - Key decisions that fueled growth and going online early   18:55 - Lessons for entrepreneurs: control your money or lose control FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

    28 min
  3. Markets Up, Economy Down? The Truth Canadians Keep Missing | February Update

    FEB 2

    Markets Up, Economy Down? The Truth Canadians Keep Missing | February Update

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us Canada's economy feels uncertain heading into 2026 — but are the headlines telling the full story? On today's episode it's the February update and Darren and Christina break down what's really happening with the Bank of Canada, inflation, interest rates, real estate, stock markets, and Bitcoin. They cover why markets can rise even when the economy feels weak, what Canadian investors should actually be paying attention to, and how smart investors are positioning themselves right now. If you're worried about inflation, housing affordability, or where to invest in 2026, this episode brings clarity without hype. Tune in now! Show notes:   00:00 - Introduction   2:50 - Bank of Canada update   4:25 - Inflation news   5:40 - Canadian dollar update   7:05 - Stock market update   7:45 - Bitcoin update   10:30 - Real estate update   13:35 - Economic news   17:50 - Life insurance industry news   21:20 - Control and Compound news FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

    28 min
  4. How to Choose the RIGHT Advisor for Infinite Banking (8 Questions You Must Ask)

    JAN 26

    How to Choose the RIGHT Advisor for Infinite Banking (8 Questions You Must Ask)

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us Choosing the right advisor is the most overlooked — and most important — part of implementing an Infinite Banking or high cash value life insurance strategy. On today's episode, Darren and Christina break down the 8 critical questions you must ask any advisor before committing to Infinite Banking, corporate-owned life insurance, or the Rockefeller Method. They explain why infinite banking is a long-term strategy, not a product, how poor advisor selection leads to costly mistakes, and how the right advisor helps you use policies for business growth, real estate, retirement planning, and estate preservation. If you're a business owner, investor, or high-income professional exploring infinite banking, this episode will help you avoid red flags and choose an advisor who can actually implement the strategy properly.   Show notes: 00:00 – Introduction 01:00 – Common Infinite Banking mistakes people make early 02:13 – Real example: unused policies and missed opportunities 03:13 – Question #1: Is Infinite Banking their core focus? 04:45 – Red flags: advisors wearing too many hats 05:10 – Question #2: Do they personally use these strategies? 06:33 – Question #3: How are they using their own policies? 08:12 – Question #4: How does the strategy evolve over decades? 11:15 – Question #5: Personal vs corporate ownership explained 13:29 – Question #6: Advisor compensation and transparency 15:17 – Question #7: What happens after the policy is issued? 17:01 – Question #8: Coordination with accountants and lawyers 18:25 – Why Infinite Banking is only as good as the strategy behind it 19:18 – Final takeaway: intentional, uninterrupted compounding FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

    21 min
  5. The Biggest Retirement Lies in Canada (And How to Avoid Them)

    JAN 19

    The Biggest Retirement Lies in Canada (And How to Avoid Them)

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us Most Canadians think retirement is about hitting a number but on today's episode, Darren and Christina break down why that mindset can quietly destroy your plan. They expose the biggest retirement lies in Canada: "I'll be in a lower tax bracket," "CPP/OAS will cover me," "inflation won't be that bad," and why the 4% rule can lead to underspending (or worse). You'll learn the five retirement risks that can cut retirement income in half — and what a "volatility buffer" can do to protect your withdrawals in down markets.   Most retirement plans ignore the exact risks that show up when it matters most. If you want a plan that's built for real Canadian retirement math — start here. Show notes:   00:00 - Introduction   01:19 – Key question: If your retirement beliefs weren't true, when would you want to know? 01:46 – The real driver: retirement success is withdrawal strategy, not just the number 02:33 – The retirement illusion: why "hit $1M" and "pick the right investments" fails 03:18 – 4 misconceptions: lower tax bracket, CPP/OAS/RRSP will cover you, inflation won't hurt 05:07 – The 5 retirement risks that cut income in half 05:36 – Sequence of returns risk (market volatility): why selling in a down year is deadly 08:15 – Inflation math: what 2% vs 5% inflation does to buying power 11:07 – The tax trap: RRIF minimums, future tax brackets, and OAS clawbacks 12:15 – Longevity risk: why planning to 85 isn't enough 13:53 – Health & lifestyle costs: the "unknown expenses" problem 16:06 – The safe withdrawal rate problem: why the 4% rule is under pressure 18:36 – The spending lie: retirement spending isn't flat — "every day is Saturday" 19:59 – Go-go / Slow-go / No-go years: how spending actually changes 23:45 – The cash wedge strategy: good idea, questionable product choices 25:45 – Proposed solution: adding an uncorrelated "volatility buffer" bucket 32:24 – Wrap: reduce stress, increase retirement income, protect against risks FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

    36 min
  6. The Question EVERY Wealthy Family Eventually Faces | The Rockefeller Method | Part 10

    JAN 12

    The Question EVERY Wealthy Family Eventually Faces | The Rockefeller Method | Part 10

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us Well we've officially made it to the end of our Rockefeller Method Series! This episode closes it all out by bringing everything together into one complete system.   The Rockefeller Method isn't a product you buy or a strategy you "try." It's a long-term framework built on certainty, structure, and intentional living. In this final chapter, Darren and Christina explain why wealth doesn't fail because of markets or bad investments — it fails when families don't pass down wisdom alongside money.   You'll learn why Infinite Banking, trusts, and governance structures only work when they're supported by clear values, shared philosophy, and ongoing family leadership. This episode introduces the concept of a Family Constitution — a document that captures how a family thinks about money, responsibility, opportunity, and legacy.   Most families focus on inheritance. The wealthy focus on heritage.   This conversation breaks down how families can protect wealth for generations by teaching clarity, confidence, and purpose — not just transferring assets. If you're serious about building wealth that lasts longer than you do, this episode is essential. Show notes: 00:00 - Introduction 01:49 – The Fatal Flaw in Most Wealth Plans 02:12 – Heritage vs Inheritance 02:51 – What Is a Family Constitution? 04:13 – The 4-Part Family Constitution Framework 04:32 – Premise: Your Philosophy of Money 06:50 – Vision: What Wealth Is Actually For 07:54 – Purpose: Your Family's 'Why' 09:04 – Strategy: Principles Over Tactics 11:09 – Why Writing It Down Changes Everything 12:06 – Passing Down Character, Not Just Capital 14:22 – Why This Takes Time (And That's Okay) 16:37 – Goal Setting for Legacy 18:56 – The Rockefeller Method as a Complete System 20:06 – The Vanderbilt vs Rockefeller Lesson 20:49 – Next Steps and Resources   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

    23 min
  7. The Hidden Pattern Behind Every Entrepreneur Who Scales Impact ft. Giovanni Marsico

    JAN 8

    The Hidden Pattern Behind Every Entrepreneur Who Scales Impact ft. Giovanni Marsico

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us On today's episode, we're back with our entrepreneurial spotlight series and joining Darren is Giovanni Marsico, founder of Archangel and creator of Destiny Fest — one of the most ambitious community-driven entrepreneurial platforms in the world.   Giovanni opens up about his origin story: being labeled "gifted" as a child, bullied for it, and learning to hate the very thing that would later become his superpower. From discovering the X-Men as a teenager to producing a 1,000-person event at just 17 years old, Giovanni shares how early experiences shaped his obsession with community, connection, and impact.   The conversation moves into darker territory as Giovanni reflects on a period of deep personal struggle, loss, and rebuilding — and how reframing pain as training completely changed his trajectory. That shift ultimately led to Archangel, Emmy-winning films like Dreamer, and now Destiny Fest — a large-scale event experience designed to merge financial success with meaningful impact.   You'll also hear Giovanni break down his powerful 5 C's of Dream-Building: Contribution Calling Curse Clarity Community   Along the way, he shares one of the most counter-intuitive marketing philosophies you'll hear this year: "Marketing is what happens after someone pays you." This episode is for entrepreneurs who feel called to something bigger — but may not yet know how to connect the dots between their pain, their gifts, and their purpose.   Show notes: 00:00 – From "Gifted" to Building Communities at Scale 02:32 – Bullied for Being Smart → Discovering Superpowers 04:06 – First Event at 17 & Finding His Path 09:15 – Hitting Rock Bottom (and the Turning Point) 13:17 – Entrepreneurs as Superheroes (Risk & Responsibility) 14:35 – Why Archangel Was Born 17:22 – Reverse-Engineering "Impossible" Goals (Seth Godin Story) 20:23 – The 5 C's of Dream-Building 28:13 – 10 Billion Smiles & the Vision for Massive Impact 31:14 – "Marketing Happens After They Pay You"   Find Giovanni on: Instagram: https://www.instagram.com/giovannimarsicoofficial/?hl=en LinkedIn: linkedin.com/in/giovannimarsico?originalSubdomain=ca   FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

    39 min
  8. 2026 Market Predictions: A Realistic Outlook for Canadian Investors

    JAN 5

    2026 Market Predictions: A Realistic Outlook for Canadian Investors

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us What actually happened with our 2025 predictions — and what does 2026 really look like for Canadians? In our annual predictions episode, Darren and Christina review last year's forecasts and hold themselves accountable for what they got right, what they missed, and what changed. From there, they break down what the data, policy decisions, and economic realities suggest for 2026. They cover: Bank of Canada interest rate expectations and why cuts may be nearing the end Why "higher for longer" interest rates are changing how Canadians must plan Canada's GDP outlook and why slow growth may persist Inflation: why it looks controlled on paper but still hurts everyday Canadians Housing market predictions for 2026 (no boom, no crash — strategy matters) Stock market outlook for Canada vs the U.S. Bitcoin: what we got wrong, what fundamentals improved, and realistic expectations Why cash value life insurance continued to quietly outperform as a stable foundation asset This episode is not about predictions for clicks — it's about understanding the environment Canadians are actually navigating and how to make informed decisions in a year defined more by stability than speculation. Whether you're an investor, business owner, or planner, this episode will help you enter 2026 with clarity, discipline, and a stronger financial framework.   Show notes:   00:00 - Introduction   1:50 - Bank of Canada predictions   4:00 - GDP predictions   6:40 - Inflation predictions   9:50 - Stock market predictions   12:15 - Real estate predictions   16:05 - Bitcoin predictions   20:00 - Cash value life insurance predictions FIND US ON:   INSTAGRAM: https://www.instagram.com/controlandcompound/   TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en   LINKEDIN: https://www.linkedin.com/company/darren-mitchell-associates-inc/?viewAsMember=true Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

    24 min
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Welcome to Control and Compound with Darren Mitchell, a podcast about infinite banking, real estate investing, and what business owners and individuals should be doing with their money. For helpful tips and tricks, visit our Instagram, Facebook, and TikTok at @controlandcompound. Episodes release every Monday. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.

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