The Rob Tetrault Show

Rob Tetrault
  • 5.0 (11)
  • Investing
  • Updated Biweekly

Award-Winning Portfolio Manager Rob Tetrault provides insight for investors on a wide array of wealth management topics. Constantly ranked in the Top 5 Wealth Advisors in Canada, Rob is a Senior Investment Advisor and Portfolio Manager at Tetrault Wealth from Canaccord Genuity Wealth Management. He initially worked as a litigation lawyer at Aikins MacAulay Thorvaldson. He then completed a Finance MBA and was a member of the Dean's list at the Asper School of Business. The Rob Tetrault podcast show includes discussions on investment, tax, insurance, retirement and estate planning. From RESPs to Family Trusts, Rob's goal is to provide value and crucial information to all investors no matter what age and what their current net worth is. Disclaimer: http://ow.ly/XvqU30o8uTc © Copyright 2026 All Rights Reserved. No part of this podcast may be used without permission.

  1. 5d ago

    The Power of a Holding Company | HoldCo Explained for Business Owners

    📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ Do You Need a Holding Company? | HoldCo Explained for Business Owners In this video, Rob breaks down one of the most common corporate structure questions business owners ask: Do I need a holding company? He explains how a holding company works, why it can be beneficial, and how it fits into a broader corporate structure alongside an operating company. The conversation also covers dividends, salary vs. dividends, investing inside a HoldCo, asset location, and common mistakes business owners make when setting things up. If you're incorporated, thinking about incorporating, or trying to better understand how to structure your business and retained earnings, this is a great place to start. CHAPTERS: 00:00 - Introduction 01:25 - Why Incorporating Can Be Beneficial 04:06 - How a Holding Company Structure Works 05:13 - Why Use a Holding Company? 07:39 - Types of Dividends 10:33 - Salary vs. Dividends 10:59 - Investing Inside a HoldCo 12:55 - Asset Location 16:47 - Common Corporate Structure Mistakes 18:21 - What Should You Do Next? WHO THIS IS FOR: Canadian business owners, incorporated professionals, dentists, doctors, lawyers, consultants, and entrepreneurs running a corporation who want to legally reduce their tax bill and keep more of what they earn. Tetrault Wealth | CG Wealth Management | Canaccord Genuity | Rob Tetrault | Winnipeg Financial Advisor | Canadian Tax Strategy | Dividends vs Salary | HoldCo | Holding Company Canada | Incorporated Business Owner | How To Pay Yourself | Business Tax Canada | Corporate Tax Planning ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

    19 min

  2. Jun 22

    What Is a Sovereign Wealth Fund? (And Why Canada Wants One)

    🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ What Is a Sovereign Wealth Fund? (And Why Canada Wants One) Canada is talking about the idea of a sovereign wealth fund, but is comparing us to Norway actually realistic? In this episode, Rob breaks down what a sovereign wealth fund is, how Norway built one of the largest investment funds in the world, and why Canada's situation may be very different. We discuss Mark Carney's proposal, natural resources, government investing, taxation, economic risks, and what this could mean for Canadians long term. Is this a smart economic move, or a comparison that doesn't hold up? CHAPTERS: 00:00 - What We'll Discuss 00:46 - What Is a Sovereign Wealth Fund? 01:39 - Here's What We Know 03:04 - The Norway Comparison 05:11 - How Is the "Canada Strong Fund" Different From CPP? 06:40 - What Does This Mean For YOU? ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting #Canada #SovereignWealthFund #MarkCarney #Finance

    9 min

  3. Jun 10

    How to Pay Yourself as a Canadian Business Owner Without Overpaying the CRA

    📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ How to Pay Yourself as a Canadian Business Owner Without Overpaying the CRA We run through a case study where our client saved $77k, not by finding some loophole, but by simply changing how he paid himself.  In this video, Rob Tetrault breaks down 23 minutes of real tax strategy that most incorporated Canadian business owners don't hear from their accountant, answering the question of salary or dividends, while integrating a HoldCo. If you're incorporated and still defaulting to a straight salary, you could be leaving tens of thousands of dollars on the table every single year. In this video you'll learn: — The dividends vs salary decision and why most business owners get it wrong — How a HoldCo (holding company) can legally keep more money in your hands — The exact strategy that saved our client $77,000 annually — Why the answer isn't dividends OR salary, it's USUALLY both, and here's how This isn't theoretical. This is advice Rob gives his clients every day. Enjoy! CHAPTERS: 00:00 - Intro 00:54 - The Issue With Outdated Business Structures 02:12 - The Effects of Salary Payments 04:26 - The Effects of Dividend Payments 06:11 - What Determines Whether You Should Take Dividends or Salary? 11:00 - The Potential Tax Benefits of a Spouse & Payment Timing 12:45 - Case Study 13:47 - 100% Salary Scenario 15:21 - 100% Dividends Scenario 17:47 - The Hybrid Approach Scenario 19:24 - The End Results 20:40 - Common Mistakes Recap 22:10 - Your Next Steps WHO THIS IS FOR: Canadian business owners, incorporated professionals, dentists, doctors, lawyers, consultants, and entrepreneurs running a corporation who want to legally reduce their tax bill and keep more of what they earn. Tetrault Wealth | CG Wealth Management | Canaccord Genuity | Rob Tetrault | Winnipeg Financial Advisor | Canadian Tax Strategy | Dividends vs Salary | HoldCo | Holding Company Canada | Incorporated Business Owner | How To Pay Yourself | Business Tax Canada | Corporate Tax Planning ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

    23 min

  4. Jun 4

    CPP Timing: Why "Always Wait Until 70" Is a Red Flag

    Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ CPP Timing: Why "Always Wait Until 70" Is a Red Flag Most Canadians are told to delay CPP as long as possible, but blindly following that advice could cost you. The truth is, CPP doesn't exist in a vacuum. The right timing depends on your RRSP, TFSA, OAS, tax bracket, health, and overall retirement plan.  In this video we break down exactly when delaying to 70 makes sense, when it doesn't, and how to think about CPP as part of a coordinated strategy, NOT a standalone decision. ✅ What you'll learn: - How CPP works at age 60, 65, and 70 - When delaying CPP is genuinely the right move - When taking CPP early actually makes more sense - How CPP interacts with RRSP, TFSA, OAS and your tax bracket - Why flexibility and irreversibility matter more than most realize - How to optimize after-tax retirement income — not just CPP alone CHAPTERS: 00:00 - Intro 00:44 - The Basics: CPP Explained 02:15 - "Block Out the Noise" 02:53 - When Delaying CPP Makes  03:39 - When Delaying CPP DOESN'T Make Sense 04:29 - Tax & Flexibility Considerations 06:16 - The Recap & What To do Next ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

    7 min

  5. May 28

    The IPP Explained: Why Business Owners Are Replacing RRSPs With THIS

    📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ The IPP Explained: Why Business Owners Are Replacing RRSPs With THIS Individual Pension Plans (IPPs) are one of the most powerful retirement tools available to Canadian business owners, yet most people have never heard of them. In this video, we break down how an IPP works, who it's best for, and why many high-income professionals use them instead of traditional RRSPs. If you're a business owner, incorporated professional, or earning a high income in Canada, understanding IPPs could significantly improve your retirement strategy. What you'll learn: • What an Individual Pension Plan (IPP) is • How IPPs compare to RRSPs • Why high-income professionals often prefer them • Tax advantages of an IPP • Who qualifies for an IPP in Canada • When it makes sense to set one up CHAPTERS: 00:00 - Why This Matters 00:35 - Part 1: What is an IPP? 01:36 - Part 2: Who Does an IPP Make Sense For? 03:02 - Part 3: The Pros & Cons 04:06 - Misconceptions 04:45 - When Does it NOT Make Sense? 05:47 - What Are Your Next Steps? ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

    7 min

  6. May 20

    If I Were Retiring in 2026, I'd Lock In These 7 Things

    📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ If I Were Retiring in 2026, I'd Lock In These 7 Things If you're planning to retire in 2026 (or within the next 1–3 years), you're no longer in the planning phase, you're in the execution phase. At this stage, the biggest risks aren't market headlines. They're unclear income plans, poor tax sequencing, and withdrawal mistakes that compound over time. In this video, I walk through the exact 7 things I would personally lock in before retiring in 2026: • Choosing a realistic retirement date • Mapping your income sources (RRSP, TFSA, corporate, non-reg) • Aligning your asset mix for decumulation • Managing taxes in the early retirement years • Optimizing CPP & OAS timing • Planning your RRSP → RRIF conversion • Stress testing your plan for volatility and longevity This is practical Canadian retirement planning — not theory, not rules of thumb, and not fear-based advice. If you want clarity heading into retirement, this framework will help you make decisions with confidence. CHAPTERS: 00:45 - Step 1: Pick a Date 01:12 - Step 2: Map Income 01:49 - Step 3: Asset Mix 02:33 - Step 4: Taxes 03:30 - Step 5: CPP & OAS 04:38 - Step 6: RRSP to RRIF 05:14 - Step 7: Stress Test 05:53 - Quick Recap & What To Do Next ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

    7 min

  7. May 13

    6 Signs You Could Retire Earlier Than You Think

    📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ 6 Signs You Could Retire Earlier Than You Think Are you sure you need to keep working… or are you actually closer to retirement than you think? Many people delay retirement not because they can't retire, but because they don't realize they already might be able to. In this video, we walk through 6 signs you could retire earlier than you think, focusing on the real factors that matter today, not outdated rules of thumb from decades ago. This isn't about hitting a magic number. It's about understanding: - Where your retirement income actually comes from - How spending, taxes, and withdrawals interact - Why "more savings" doesn't always mean "more confidence" - And how over-saving can quietly cost you years of freedom If you've ever thought: - "I just need a little more." - "I don't feel ready yet." - "What if I retire too early?" This video is for you. 📌 In this video, we cover: • The difference between being financially ready and emotionally ready • Why cash flow matters more than total savings • How flexibility — not portfolio size — drives early retirement success • Common planning blind spots that keep people working longer than necessary • How to think about retirement timing in a more modern, realistic way This content is educational and meant to help you think more clearly about retirement decisions. Everyone's situation is different, and planning details matter. CHAPTERS: 00:00 - Why This Matters 00:37 - Sign 1: Living Expenses 01:10 - Sign 2: Savings Rate 01:42 - Sign 3: Your Portfolio 02:22 - Sign 4: Debt Levels 02:50 - Sign 5: Income Flexibility 03:23 - Sign 6: Spending Levels 03:59 - The Mindset Shift 04:27 - A Quick Recap 04:58 - What to Do Next? ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations — without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

    6 min

  8. May 4

    The Final 5 Years: 6 Costly Retirement Mistakes You Can't Undo

    📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ The Final 5 Years: 6 Costly Retirement Mistakes You Can't Undo If you're retiring within the next 5 years, there are no do-overs. The final stretch before retirement is when outcomes get locked in — income, taxes, flexibility, and lifestyle. Most people aren't making bad decisions at this stage. They're making no decisions at all and assuming they'll "figure it out later." In this video, I walk through the 6 most costly retirement mistakes people make in the last 5 years before retirement, and why timing matters more than returns at this stage. These are the decisions that can permanently shape your retirement — for better or worse. We cover: - Why the final 5 years matter more than the first 30 - How sloppy transitions into retirement create long-term problems - Why focusing on performance instead of income is a mistake - How taxes, withdrawals, and account structure change everything - What being truly ready for retirement actually means CHAPTERS: 00:00 - Setting The Stage 00:40 - Mistake #1 01:18 - Mistake #2 01:59 - Mistake #3 02:53 - Mistake #4 03:27 - Mistake #5 03:56 - Mistake #6 04:02 - How Do You Know When You're Ready to Retire? 04:58 - Final Thoughts 05:18 - Your Next Steps This isn't about market predictions or chasing returns. It's about designing reliable, tax-efficient retirement income before your paycheck stops. Canadian viewers: This video reflects Canadian retirement planning realities, including RRSPs, TFSAs, CPP, and OAS. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting #GIC #GICRenewal #GuaranteedInvestmentCertificate

    6 min
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About

Award-Winning Portfolio Manager Rob Tetrault provides insight for investors on a wide array of wealth management topics. Constantly ranked in the Top 5 Wealth Advisors in Canada, Rob is a Senior Investment Advisor and Portfolio Manager at Tetrault Wealth from Canaccord Genuity Wealth Management. He initially worked as a litigation lawyer at Aikins MacAulay Thorvaldson. He then completed a Finance MBA and was a member of the Dean's list at the Asper School of Business. The Rob Tetrault podcast show includes discussions on investment, tax, insurance, retirement and estate planning. From RESPs to Family Trusts, Rob's goal is to provide value and crucial information to all investors no matter what age and what their current net worth is. Disclaimer: http://ow.ly/XvqU30o8uTc © Copyright 2026 All Rights Reserved. No part of this podcast may be used without permission.

Information

  • Creator
    Rob Tetrault
  • Years Active
    2019 - 2026
  • Episodes
    299
  • Rating
    Clean
  • Copyright
    © Copyright 2022 All Rights Reserved. No part of this podcast may be used without permission.
  • Show Website
    The Rob Tetrault Show

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