347: Will an AI Market Crash Affect Your Whole Life Insurance?
What participating whole life policy-owners should understand about market volatility, insurer investments, and dividend smoothing. Artificial intelligence is attracting enormous attention, investment, and speculation. As technology companies and investors continue pouring capital into AI infrastructure, a natural question arises: What happens if the AI bubble bursts? For people who own participating whole life insurance, that […]
346: Is Paying Cash for Business Equipment Costing You More?
For many Canadian business owners, paying cash for a new truck, vehicle, or piece of equipment feels like a financially responsible decision. There are no monthly financing payments, no additional borrowing commitment, and no loan interest. But there is another question worth asking: What opportunities might you give up by using that cash? Understanding Opportunity […]
345: Policy Loans Explained | 5 IBC Questions Worth Asking
Explore five IBC questions with Mike Smela and Richard Canfield, covering policy loans, funding limits, dividends, marketing and tax considerations.
344: Why Real Estate Investors Need Liquidity
Building a successful real estate portfolio requires more than finding profitable properties. It also requires maintaining access to capital when circumstances change. For real estate investors, liquidity is the ability to access money when needed without being forced to sell investments or rely entirely on additional borrowing. You might own several properties, have significant equity, […]
343: How a Life Insurance Policy Loan Helped After a Medical Emergency
🎧 Listen on Spotify Additionally, this post shares one Canadian client’s experience for education. However, this is not insurance, financial, legal, or tax advice. Rules and timing vary by insurer, province, and country. Some personal details are left out on purpose; the full episode includes more, as shared by the guest. Policy Loans and Medical […]
342: Cash Balance Plan vs 401(k), How the Deduction Works for Business Owners
If you own a profitable business, your retirement plan often targets employees, not owners. In Part 2 of our series, Rohit Punyani, co-founder and Chief Solutions Officer of The Owner’s Asset, sits with Jayson Lowe. They explain how a cash balance plan vs 401(k) works and why it behaves differently. Missed the start of the […]
341: How Business Owners Turn Tax Planning Into an Asset?
Most financial conversations with business owners start the same way: “How much did you make?” Rohit Punyani, Co-Founder & Chief Solutions Officer of The Owner’s Asset, a pension specialist and former Chief Investment Officer, joins Jayson Lowe and Richard Canfield to go a lot deeper than that. Here’s what the conversation actually covers. Why does […]
340: Is a DRIP Portfolio Worthwhile With Infinite Banking?
Is Infinite Banking Actually an Investment? In short, Infinite Banking is a capitalization tool, not an investment. Additionally, it builds liquidity. Investment, including a DRIP Investment with Infinite Banking portfolio, is what you do with that liquidity once it’s available. Is a DRIP Portfolio Worth It With Infinite Banking? Yes, for the right person. A […]
339: Is Infinite Banking an Investment?
“An investment should only be in something that you know a great deal about. Everything else, I repeat, everything else, is speculation.” That’s Nelson Nash‘s line, and it’s blunter than most people want to hear about their own portfolio. In a recent Wealth on Main Street episode, Kurt Berry joined Richard Canfield. Berry has nearly […]
338: How Much Life Insurance Do I Actually Need?
It’s one of the most common questions people type into Google, ask ChatGPT, and search on YouTube. Richard Canfield breaks down the concept that insurance companies actually use to answer it: human life value. What is human life value? According to Richard, it’s “the economic value associated with your life based on the people that […]