Invested Teacher Kyle Pearce, Matt Biggley, Jon Orr

In the latest episode of The Invested Teacher podcast, we dig into the often-overlooked world of buy-sell agreements—a crucial aspect of business ownership that can either safeguard your financial future or if missing or poorly written, can lead to unforeseen challenges.
Your company’s buy-sell agreement, sometimes known as a buyout agreement, a business will, or a business prenup, could be the linchpin in determining the fate of your business when ownership changes hands due to various events like death, partnership breakup, sale, or divorce. Join us as we demystify the complexities of these agreements and give you practical next steps to make your buy-sell agreement strong! 

What you’ll learn:
Demystifying Buy-Sell Agreements:Gain a clear understanding of what a buy-sell agreement is and why it's a pivotal document for business owners during key events such as death, partnership breakup, sale, or divorce.Steering Clear of Common Pitfalls:Discover the three most common mistakes businesses make in their buy-sell agreements and learn practical strategies to avoid them:Mistake #1: Neglecting to Address the Sale of the CompanyMistake #2: Using an Inadequate Valuation MethodMistake #3: Lack of Clarity in Agreement FormNavigating Valuation Methods:Understand the pros and cons of different valuation methods, empowering you to choose the approach that best aligns with your business needs.Exploring Buy-Sell Agreement Forms:Dive into the different forms of buy-sell agreements, including entity purchase, cross purchase, and the advantageous wait-and-see method (BOB), and grasp the financial and tax considerations associated with each.How To Protect Yourself and Your Company:Learn tools and strategies that will give you the necessary resources to navigate and fund a buy-out in the untimely death of a shareholder.
Resources: 


Book a Discovery Call with us so we can help you overcome your current struggle and take the next step in your financial journeyFollow Kyle Pearce on LinkedIn for daily posts and conversations about business and investment. Dig into our Ultimate Investment Book ListDownload our Wealth Building Blueprint

Interested in Joint Venture Opportunities?
For those interested in being considered for potential Joint Venture (JV) opportunities, reach out to us here.
Contact Matt if you’re Buying or Selling Real Estate in Windsor or Essex County!
Reach out to Jon if you’re looking for an Ontario Mortgage, Ontario Mortgage Refinance or a HELOC in Ontario.
Get in touch with Kyle to begin your journey through his Canadian Wealth Planning System.
Check out the work Jon and Kyle do assisting mathematics educators and district leaders.
Analysis Paralysis is REAL! You’re real estate portfolio will stay empty until you take action.Grab our free training on how to analyze deals and also grab our analyze spreadsheet that does the dirty work for you. 

In this episode, we welcome real estate entrepreneur, podcaster, best-selling author and private capital specialist, Dave Dubeau. Join us as we dig into Dave’s real estate journey beginning when he was a child growing up in what some might call a “house hack” with his parents, growing and operating an English language program in Costa Rica, followed by packing up his family and starting over in Kamloops, British Columbia to start a new life in real estate investing.

He began his real estate investing journey in 2003 doing 18 deals in 18 months after investing in a real estate coaching program and currently, he invests passively in multi-family properties. Since 2012, Dave has been a leading authority on helping "everyday people investing in real estate" to find private money partners and raise capital.

Using his proprietary 3 Part Money Partner Formula™ Dave helps his real estate entrepreneur clients to grow their portfolios significantly and in record time by attracting private investors instead of chasing after them.

What you’ll learn:
Why programs can be beneficial to help you take massive action;Why networking can be key for growing your business and your opportunities;How to determine whether a network is helping you grow or holding you back;How being seen is important to help you get the green through podcasting, social media, or other marketing efforts; and,Why massive imperfect action will beat perfect procrastination any day of the week.
Resources: 


Listen to Dave’s Podcast Property ProfitsReach out to Dave on his website MoneyPartnerFormula.com Dig into our Ultimate Investment Book ListBook a Discovery Call with us so we can help you overcome your current wealth building barrier and take the next step in your financial journeyDownload our Wealth Building BlueprintThe Real Group Windsor Real Estate TeamInvested Teacher Ontario MortgagesInvested Teacher Wealth Planning

Interested in Joint Venture Opportunities?

For those interested in being considered for potential Joint Venture (JV) opportunities, reach out to us here.

Contact Matt if you’re Buying or Selling Real Estate in Windsor or Essex County!

Reach out to Jon if you’re looking for an Ontario Mortgage, Ontario Mortgage Refinance or a HELOC in Ontario.

Get in touch with Kyle to begin your journey through his Canadian Wealth Planning System.

Check out the work Jon and Kyle do assisting mathematics educators and district leaders.
Partnering with Invested Teacher puts you on a faster track to building your wealth and achieving financial freedom. We’ll co-create a customized wealth plan and help you invest in wealth building opportunities.Get started, fill out this quick form. 
Analysis Paralysis is REAL! You’re real estate portfolio will stay empty until you take action.Grab our free training on how to analyze deals and also grab our analyze spreadsheet that does the dirty work for you. 

In this episode of the Invested Teacher Podcast, we delve into the weeds to discuss which government tax incentivized investment vehicle in Canada will best serve our Invested Student audience: the Tax-Free Savings Account (TFSA) or the Registered Retirement Savings Plan (RRSP). 
We will take some time to dig into some specific cases including those in “golden handcuff” careers with Defined Benefit Pension Plan (DBPP) in your job and whether or not you should be putting all of your investment eggs into the RRSP basket or whether looking to the TFSA as a better place to build on that defined benefit pension plan.
We’ll also share why we’re big fans of using the TFSA for your longer term, growth-focused investments, while keeping the RRSP for your safer and steady assets. However, we won’t hold back on sharing why an RRSP can feel a bit like an "investment jail," especially if you're thinking your income tax bracket during retirement might be the same or higher than it is currently.
Finally, we’ll be talking about the impact inflation might have on your income tax bracket during retirement and some creative ways to use your RRSPs with strategies like The Smith Maneuver to unlock some of the dead equity in your primary residence to still benefit from the tax deferral power.
Sit back and get ready to take a trip through the TFSA vs. RRSP maze with a promise to give you some great tips for every circumstance. 
What you’ll learn:
What is a Registered Retirement Savings Plan (RRSP) and how does a RRSP work?What is a Tax Free Savings Account (TFSA) and how does a TFSA work?Why those in “golden handcuff” careers with a Defined Benefit Pension Plan (DBPP) might hold off on dumping all of their investment funds into their RRSP;Why a TFSA is the better spot for your growth-focused investments and your RRSP for safer, more conservative investments; Why an RRSP might be considered a “jail” for your investment funds, especially if you feel that your tax bracket may be the same or higher in retirement; How inflation alone may push you up into higher tax brackets by retirement even if your income has only increased by a Cost of Inflation Allowance (COLA);Why an RRSP is a fantastic idea for those interested in putting the “dead equity” from their primary residence to work; and,Is it better to use equity from your home to fund your RRSP or to apply The Smith Maneuver?Resources: 
Canada Revenue Agency (CRA) overview of the Tax Free Savings Account (TFSA)Canada Revenue Agency (CRA) overview of the Registered Retirement Savings Plan (RRSP)Episode 44: Saving Taxes and Accelerating Your Investments With The Smith ManeuverBook a Discovery Call with us so we can help you overcome your current struggle and take the next step in your financial journeyDig into our Ultimate Investment Book ListDownload our Wealth Building BlueprintAnalysis Paralysis is REAL! You’re real estate portfolio will stay empty until you take action.Grab our free training on how to analyze deals and also grab our analyze spreadsheet that does the dirty work for you. 

In this week’s podcast episode, we explore essential concepts that challenge the way we perceive wealth and financial planning. The first big idea revolves around the evolving nature of money's value over the past three decades, highlighting how traditional savings might no longer suffice in our financial world of rapid inflation and money printing. In particular, we also delve into the deceptive impact of inflation, revealing how it can trick us into a false sense of financial security while eroding our wealth silently. The episode emphasizes the pursuit of both financial and time freedom, suggesting that a strategic restructuring of our finances can help us achieve a balanced life that provides both financial stability and the freedom to follow our passions.


Creating a personal financial blueprint takes center stage as we stress the importance of aligning priorities with our unique circumstances and aspirations. It's not just about saving or investing; it's about crafting a solid plan that aligns with our long-term goals. Lastly, the episode guides listeners on how to move from ideas to action in their investing journey. Dreams and aspirations are vital, but the hosts emphasize the need for practical steps and strategies to turn these aspirations into a reality.


The overarching message here is to adopt a new mindset regarding wealth accumulation, focusing on preparing for the future in a world of constantly evolving financial landscapes. The episode encourages a holistic approach that integrates long-term planning, risk management, and the strategic use of investment tools to hedge against inflation. By considering these five fundamental concepts, listeners gain valuable insights to navigate the complex world of finance and embark on a path to secure their financial future and achieve their goals.


What you’ll learn:
How much the value of money has changed over the past 30 years;How inflation has tricked us into thinking that we’ve “made it” when in reality, we’re losing more of our wealth;How we can restructure our finances to live a life that provides us financial and time freedom;How to align your priorities to create your financial blueprint; and,How to move from ideas to action to get your investing journey started.
Resources: 


Dig into our Ultimate Investment Book ListBook a Discovery Call with us so we can help you overcome your current struggle and take the next step in your financial journeyThe Real Group Windsor Real Estate TeamInvested Teacher Ontario MortgagesInvested Teacher Wealth PlanningDownload our Wealth Building BlueprintAnalysis Paralysis is REAL! You’re real estate portfolio will stay empty until you take action.Grab our free training on how to analyze deals and also grab our analyze spreadsheet that does the dirty work for you. 

In this episode of the Invested Teacher Podcast, we'll delve into the transformative journey of taking that crucial first step towards your financial and time freedom goals.
Join us as we discuss why you're never "not ready" to get started on your investment journey, the significance of mentorship and coaching, and how to break through limiting mindsets that may be holding you back.
Discover the importance of acknowledging that investing in any asset class is indeed a form of work, and learn actionable strategies to tackle your real barriers to that first investment move. 
Whether you're a seasoned investor or just dipping your toes in the waters of financial growth, this episode provides valuable insights and motivation to help you embrace your journey with confidence and purpose.
What you’ll learn:
Why you are never “not ready” to get started on your journey be it investment or otherwise;Why meeting with a coach, mentor, or industry specialist is important early in your journey to act as your experienced accountability partner;Why acknowledging investing in any asset class is work and starting that work now is crucial to ensure you make real progress towards your financial and time freedom goals;How to overcome your limiting mindset that is telling you that you aren’t ready to take the first step;How to determine what your real barriers are to taking the first step into investing;
Resources: 


Dig into our Ultimate Investment Book ListBook a Discovery Call with us so we can help you overcome your current struggle and take the next step in your financial journeyThe Real Group Windsor Real Estate TeamInvested Teacher Ontario MortgagesInvested Teacher Wealth PlanningDownload our Wealth Building Blueprint

Interested in Joint Venture Opportunities?
For those interested in being considered for potential Joint Venture (JV) opportunities, reach out to us here.


Contact Matt if you’re Buying or Selling Real Estate in Windsor or Essex County!


Reach out to Jon if you’re looking for an Ontario Mortgage, Ontario Mortgage Refinance or a HELOC in Ontario.


Get in touch with Kyle to begin your journey through his Canadian Wealth Planning System.

Check out the work Jon and Kyle do assisting mathematics educators and district leaders.
Analysis Paralysis is REAL! You’re real estate portfolio will stay empty until you take action.Grab our free training on how to analyze deals and also grab our analyze spreadsheet that does the dirty work for you. 

The Invested Teacher Team is back with another podcast episode where we delve into the critical aspects of building a solid financial plan that serves as the foundation for successful investing. Many people find themselves hesitant to start their investment journey, feeling like the financial successes of others are unattainable. This episode provides valuable insights and practical advice to dispel such doubts by helping you to take care of the necessary “stepping stones” needed to have success investing.
The episode emphasizes that merely having the goal of "investing" is not enough. It's essential to establish a comprehensive financial plan first instead of falling for the trap that many eager to invest individuals get stuck in and then struggle to make an initial move. We’ll highlight the significance of starting with a detailed household budget to first help prevent financial pitfalls like Parkinson's Law or "lifestyle creep," while helping you decide how you might start appropriately allocating your investment “seed funds” wisely.
We also emphasize the importance of safeguarding your financial plan through methods that won’t be restrictive to your investment aspirations. In particular, we’ll guide you to ensure that a balance is achieved between securing their financial future, while still propelling you to reach your lofty and audacious investment goals.
Stick around as we provide actionable strategies that will allow you to break free from financial inertia and get back on track towards your financial and time freedom journey!
What you’ll learn:
Why it might seem like trying to “do” what others have done isn’t possible for you;How starting with a goal of “investing” isn’t enough;Why many who are eager to begin investing seem to get stuck and struggle to get started;Why starting with your household budget with your fixed and variable expenses is an essential first step to avoid Parkinson’s Law or “lifestyle creep”;How you might go about ensuring your financial plan is protected in a way that doesn’t feel limiting to your lofty investment goals; Why you should reflect on whether you are being guided by the right team of individuals to help me accomplish my financial and time freedom goals; and,How you can get “unstuck” from the rut you are in and back on track towards true happiness.
Resources: 


More on Parkinson’s Law and Financial Creep Dig into our Ultimate Investment Book ListThe Real Group Windsor Real Estate TeamInvested Teacher Ontario MortgagesInvested Teacher Wealth PlanningDownload our Wealth Building Blueprint

Interested in Joint Venture Opportunities?
For those interested in being considered for potential Joint Venture (JV) op
Analysis Paralysis is REAL! You’re real estate portfolio will stay empty until you take action.Grab our free training on how to analyze deals and also grab our analyze spreadsheet that does the dirty work for you.