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. The Harsh Truth About Selling Your Business in Canada

    2일 전

    The Harsh Truth About Selling Your Business in Canada

    REGISTER FOR OUR BUSINESS MASTERCLASS TODAY: https://hub.controlandcompound.com/business-masterclass-webinar-registration   There's a massive shift happening in Canada right now — and most business owners aren't ready for it.   Over the next decade, the majority of privately held businesses will change hands. But here's the problem…   Most owners: Aren't structured properly Don't qualify for major tax advantages And are WAY too dependent on themselves   Which means when it comes time to sell…   👉 valuations drop   👉 deals fall apart   👉 and hundreds of thousands (or millions) are lost   In this episode, we break down:   The coming business exit wave Why your business might be worth less than you think The $1.25M tax-free opportunity most owners miss How to structure your business properly What buyers ACTUALLY look for And what your life looks like AFTER the sale   If you're a business owner — this is not optional knowledge.   Show notes:   00:00 - The Massive Business Shift in Canada 03:13 - Why Your Business May Be Worth Less 05:13 - The $1.25M Tax-Free Opportunity 07:21 - Why Most Owners Don't Qualify 08:00 - Holding Companies Explained 08:41 - Family Trusts & Estate Freeze 11:09 - Owner Dependency Problem 14:41 - The 3 Types of Businesses 16:23 - What Happens After You Sell 18:30 - Planning Ahead with Capital 20:09 - Life After the Exit   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 BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

    24분
  2. 16 Hidden Benefits of Cash Value Life Insurance in Canada

    4월 13일

    16 Hidden Benefits of Cash Value Life Insurance in Canada

    REGISTER FOR OUR BUSINESS MASTERCLASS TODAY: https://hub.controlandcompound.com/business-masterclass-webinar-registration   Most people think life insurance does one thing. You pay into it… and when you die, someone gets a cheque. But what if that's only scratching the surface? In this episode of Control and Compound, Darren and Christina break down 16 powerful and often overlooked benefits of cash value life insurance — and why it may be one of the most misunderstood financial tools available in Canada today. This isn't just about insurance. It's about how your money moves, how it grows, and most importantly — how much control you actually have over it. We walk through five key areas where properly structured cash value life insurance can completely change your financial strategy: Control and access to capital Long-term, tax-efficient growth Leveraging opportunities without interrupting compounding Protection and guarantees most assets don't offer Retirement income and legacy planning advantages If you're a business owner, high-income earner, or someone looking to build wealth more efficiently, this episode will challenge the way you think about saving, investing, and planning for the future. Because in the end, it's not about finding a better investment. It's about building a better system. Show notes:   00:00 - Introduction   00:43 Why Cash Value Life Insurance Is Misunderstood   01:50 The 3 Pillars: Control, Access, Compounding   02:31 The 5 Buckets Explained   03:17 Bucket 1: Control (Liquidity, Flexibility, Privacy)   06:46 Bucket 2: Growth (Tax-Free + Consistency)   09:40 The "And Asset" Strategy Explained   11:19 Bucket 3: Opportunity & Leverage   14:54 Bucket 4: Protection & Guarantees   18:18 Bucket 5: Retirement & Legacy   22:19 How This Strategy Evolves Over Your Life   24:16 Final Takeaway: Control > Returns 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 BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

    26분
  3. How Canadians Can Invest in U.S. Real Estate Without Costly Tax Mistakes

    4월 9일

    How Canadians Can Invest in U.S. Real Estate Without Costly Tax Mistakes

    REGISTER FOR OUR BUSINESS MASTERCLASS TODAY: https://hub.controlandcompound.com/business-masterclass-webinar-registration   How can Canadians invest in U.S. real estate the right way? In this episode of Control and Compound, Darren Mitchell is joined by Glen Sutherland, founder of Canadian Investing in the U.S., to break down how Canadians are buying everything from single-family homes to large apartment buildings across the border. They cover: why more Canadians are investing in the U.S. how to avoid common tax and structure mistakes LLCs, corporations, and double taxation using corporate funds to invest in U.S. real estate whether you actually need a visa how to build and manage a U.S. real estate team from Canada the shift from flips to multifamily the importance of action, organization, and learning from mistakes If you're a Canadian business owner, real estate investor, or entrepreneur looking for better opportunities outside Canada, this episode is packed with practical insights. #USRealEstate #CanadianInvestors #CrossBorderInvesting #RealEstateInvesting #ControlAndCompound   Show notes: 00:00 – Canadians investing in U.S. real estate: what this episode covers 00:18 – Meet Glen Sutherland and how he built a U.S. portfolio from Canada 01:30 – Glen's entrepreneurial journey before real estate 04:19 – Why time freedom is still his definition of success 05:53 – Early real estate mistakes and nightmare tenant stories 08:21 – Why Canadians are turning to the U.S. instead of Canada 14:23 – The biggest tax and structure mistakes Canadians make 20:47 – Using corporate money to invest in U.S. real estate 22:46 – Do Canadians need a visa to invest in the U.S.? 32:55 – The story of the $20,000 property that burned down   Find Glen on: Website: https://acanadianinvestingintheusa.com/   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 BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us

    44분
  4. Canada's Economy Is Feeling the Pressure | The Financial Update Canadians Can't Afford to Ignore

    4월 6일

    Canada's Economy Is Feeling the Pressure | The Financial Update Canadians Can't Afford to Ignore

    REGISTER FOR OUR BUSINESS MASTERCLASS TODAY: https://hub.controlandcompound.com/business-masterclass-webinar-registration   March was a wild month – and in this April update, Darren and Christina break down what it all means for Canadians, investors, and business owners. They cover the Bank of Canada rate hold, inflation risks, the falling Canadian dollar, stock market volatility, Bitcoin, pressure building in Canadian real estate, recession concerns, and why certainty matters more than ever in uncertain times. They also unpack what's happening in the broader Canadian economy, why capital is leaving the country, and why more people are turning to safe, stable financial strategies. If you're a business owner, investor, or someone trying to make smart financial decisions in a volatile environment, this episode is for you. Register for the April 22 Business Masterclass in the link below.   Show notes:   00:00 - Introduction 01:02 - Bank of Canada holds at 2.25% 02:09 - Inflation looks better on paper, but risks remain 05:18 - Canadian dollar under pressure 07:26 - Stock market volatility in Canada and the U.S. 11:26 - Bitcoin update: weakness, regulation, and opportunity 15:09 - Canadian real estate slowdown and investor pressure 18:52 - GDP, recession risk, and money leaving Canada 19:58 - Canada's natural resource advantage and political roadblocks 23:40 - Ontario HST rebate and weird policy moves 24:09 - Why life insurance applications are surging 27:11 - Control and Compound Business Masterclass announcement 29:43 - Recent episodes recap 30:48 - What's coming this month on the podcast   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   BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us 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.

    34분
  5. Salary vs Dividends in Canada: What Business Owners Need to Knowv

    3월 30일

    Salary vs Dividends in Canada: What Business Owners Need to Knowv

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   Should you pay yourself through salary or dividends as a business owner in Canada? On today's episode, Darren and Christina break down one of the most common questions entrepreneurs ask — and explain why the answer is about much more than just taxes. They cover the real differences between salary and dividends, how each one impacts your corporation, personal taxes, CPP, lending ability, cash flow, investing, retirement planning, and long-term wealth, and why sometimes the smartest move is to leave more money inside the corporate structure. They also discuss: how salary affects borrowing capacity why dividends offer more flexibility how tax integration works in Canada why pulling too much money out of your corporation can hurt long-term growth how holding companies and corporate-owned life insurance can play a role in tax-efficient wealth planning If you're a Canadian business owner trying to make smarter decisions with your corporate dollars, this episode is a must-watch.   Show notes: 00:00 -  Introduction 00:23 - Why this is one of the most common questions entrepreneurs ask 02:38 - What salary is and how it works inside a corporation 04:48 - The biggest advantage of salary: lending and borrowing power 06:43 - What dividends are and how they differ from salary 08:06 - The lending downside of dividend income 10:33 - Tax integration in Canada: why salary and dividends often net out similarly 13:27 - Why this decision affects retirement, cash flow, and long-term wealth 15:37 - The bigger mistake: taking too much money out of the corporation 21:00 - Sometimes the right answer is neither salary nor dividends   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.

    24분
  6. The TRUTH About Owning Multiple Infinite Banking Policies (Most People Get This Wrong)

    3월 23일

    The TRUTH About Owning Multiple Infinite Banking Policies (Most People Get This Wrong)

    Most people think you start a second policy when you have more money. While that may be the case sometimes, there's so many other reasons why you can start a second, third, and maybe even a fourth policy!   On today's episode, Darren and Christina break down exactly when and why a second cash value life insurance policy makes sense. From max funding limits to corporate strategies, unexpected cash flow, and generational wealth planning, we walk through the real reasons people expand beyond their first policy.   If your first policy is doing what it's supposed to do, the next challenge isn't performance – it's capacity. This episode will help you understand how to recognize that moment, and how to build a system that grows with you, your business, and your family over time.   Show notes:   00:00 - Why a second policy becomes part of the conversation 01:23 - What clients realize after their first policy starts performing 02:09 - Why you can't just keep adding money to the same policy 03:00 - Reason #1: your first policy proved the concept works 04:10 - Reason #2: using a second policy for corporate retained earnings 05:37 - Reason #3: what to do when you come into extra money 07:16 - Reason #4: separating a workhorse policy from a legacy policy 09:08 - Reason #5: using spouse and family policies for estate planning 12:09 - Reason #6: insuring children for legacy and generational wealth 25:01 - 10 questions to ask before starting a second policy   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.

    28분
  7. Infinite Banking in Canada Explained: 1.0 vs 2.0 vs 3.0

    3월 16일

    Infinite Banking in Canada Explained: 1.0 vs 2.0 vs 3.0

    BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us   What is Infinite Banking in Canada, and how do you know whether you're still at level 1.0 or ready for 2.0 and 3.0? On today's episode, Darren and Christina break down the real difference between using cash value life insurance in Canada for simple policy loans versus using it for wealth creation, retirement income, tax efficiency, and legacy planning.   They explain how Infinite Banking 1.0 is where most people start: borrowing against a properly structured policy for major purchases, liquidity, and better control over money. Then they move into Infinite Banking 2.0, where the strategy becomes a true wealth-building tool for Canadian business owners, real estate investors, and families who want to use policy liquidity to create assets, generate income, and multiply capital. Finally, they unpack Infinite Banking 3.0, where the conversation expands into tax-free retirement planning, estate planning, corporate planning, and leaving more to family instead of CRA.   If you've been researching Infinite Banking Canada, cash value life insurance, corporate-owned whole life insurance, or tax-free retirement strategies for Canadians, this episode gives a clear framework for understanding how the strategy can evolve from basic use to advanced planning.   If you're a Canadian business owner, investor, or family looking to understand how this strategy could fit into your financial plan, connect with the Control and Compound team.   Show notes:   0:00 - Intro: Infinite Banking 1.0, 2.0, and 3.0 0:48 - What most people get wrong about Infinite Banking 1:56 - Infinite Banking 1.0 explained 2:41 - Using policy loans for cars, debt, and short-term needs 4:05 - Why 1.0 builds discipline but not major wealth 4:49 - Infinite Banking 2.0: asset creation and compounding 5:14 - Using policy liquidity for real estate, business, and investing 6:15 - Building an opportunity fund and volatility buffer 8:09 - Infinite Banking 3.0: legacy, retirement, and estate planning 10:09 - Why tax-free liquidity at death matters 10:28 - Corporate-owned life insurance and the capital dividend account 12:00 - Why cash value can outperform traditional fixed-income buckets 14:06 - Retirement income, market volatility, and spending more confidently 17:09 - Why this is a major strategy for Canadian business owners 21:21 - Final recap: 1.0 vs 2.0 vs 3.0   Topics covered: Infinite Banking Canada, cash value life insurance Canada, policy loans, uninterrupted compounding, corporate-owned life insurance, tax-free retirement, estate planning, retained earnings, retirement income planning, capital dividend account, legacy planning.   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.

    24분
  8. Harleen Laroia on Leadership, Wellness, and Building with Purpose

    3월 9일

    Harleen Laroia on Leadership, Wellness, and Building with Purpose

    Yesterday was International Women's Day, and today we're continuing that celebration by spotlighting an incredible woman who is building businesses, creating impact, and empowering communities. In this special Entrepreneur Spotlight episode of Control and Compound, Christina sits down with Harleen Laroia. Harleen, a visionary CEO, spearheads a renowned childcare and Montessori brand with twelve facilities in Ontario. Driven by her children's needs, she transitioned from the corporate world to founding her own childcare brand with a unique offering of Montessori and play-based under one roof. SimplySmart Childcares provide employment for over 235 people in Ontario, with 99.9% being women. Inspired by her daughter's birth, Harleen ventured personally into taking care of her health and finally is the Director of the two OsteoStrong facilities in Oakville & Toronto. Here, she empowers individuals of all ages and fitness levels to enhance their bone health and overall well-being, aiming to defy age-related limitations. Harleen's leadership embodies a deep commitment to promoting well-being and empowering individuals. Her journey reflects a passion for creating positive change personally and within communities. Under Harleen's leadership, the Childcare & Montessori establishment sets a high standard for nurturing children and providing a robust educational foundation. Meanwhile, the Osteostrong facility serves as a symbol of prioritizing health and revolutionizing fitness ideologies. Harleen's vision transcends conventional norms, emphasizing inner strength and resilience. This facility accommodates individuals aiming to enhance bone health and physical capabilities, reflecting Harleen's holistic approach to well-being. Now she is embarking on an adventure in 2026 launching the Mura CircleTM which will enable us to become more conscious parents and aware of how we show up to raise the next generation and in our relationships. In essence, Harleen's entrepreneurial journey, fueled by her children's needs and personal experiences, encompasses childcare, education, relationships and a dedication to holistic health, leaving a lasting impact on individuals and communities. This episode dives into entrepreneurship, leadership, wellness, parenting, and legacy — and what real strength actually looks like in business and life. If you've ever faced self-doubt, struggled to balance career and family, or wondered what it takes to build something meaningful, this conversation will resonate.   Show notes: 00:00 - Introduction 00:22 - Meet Harleen Laroia and the story behind SimplySmart 01:16 - From corporate telecom career to entrepreneurship 02:03 - Building businesses from personal need 03:16 - The impact SimplySmart had on families and children 04:54-  Leadership lessons from scaling multiple businesses 06:23 - Why empowerment and trust matter more than control 07:16 - Working on the business vs in the business 08:26 - The leadership structure that helped her scale 10:31 - Entrepreneurship, stress, and women's health 13:40 - Longevity vs healthspan and the importance of wellness 16:31 - Barriers women face in business 18:30 - Why successful leaders don't take things personally 20:02 - Overcoming self-doubt and investing in personal growth 26:56 - Mirror Circle and conscious parenting 31:43 - Lightning round + final leadership insights   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.

    35분

소개

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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