I love under-discussed & relevant topics, so I'm thrilled to host Dr. Nikhil Patil to discuss SR&ED (Scientific, Research & Experimental Development) credits for Canadian professionals. Discussion points: - introduction (1:37) - what are SR&ED credits? (6:01) - eligibility with examples (7:42) - qualifying activities (14:15) - Impact of other grants (16:22) - How much can be claimed? (17:31) - What the SR&ED claim process looks like (21:57) - Best practices to reduce audits (...
Apr 24, 2026•41 min•Season 1Ep. 115
Many of us have substantial equity in our homes. How can we use it to grow our wealth? I'm joined by Matt Lee & Ming Lim from Volition properties to unpack HELOCs (home equity line of credit), the Smith Manoeuvre (routine and supercharged), & reverse mortgages. The episode kicks off by discussing life goals & our why, which is critical to nail down before embarking on any wealth strategy. This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/ Discussion point...
Apr 10, 2026•1 hr 1 min•Season 1Ep. 114
Welcome to part 3 of the wealth formula - investing. Investing allows us to plant seeds for the live we wish to live - both today and later. Discussion points: - Japan (00:00) - The wealth formula (1:23) - Return vs effort (2:43) - The power of time (5:00) - Focusing on what's in our control (9:48) - Signal vs noise (11:25) - Valuation/CAPE ratio (12:56) - Investing during lost decades (15:50) - Geographical diversification (18:52) Useful websites: https://www.lynalden.com/shiller-pe-cape-ratio/...
Mar 27, 2026•21 min
Dr. Gwynn Curran-Sills wears many hats: an emergency physician, a real estate investor, and a devoted family man. Today, Gwynn talks about what he's learned growing real estate portfolio in Western Canada to 199 units, his thoughts on intergenerational wealth, and lessons from a year-long sabbatical in Spain. Discussion Points: - introduction (2:02) - how Gwynn's interest in real estate developed (5:32) - the decision to focus on real estate in Western Canada (7:50) - Portfolio size and vision (...
Mar 05, 2026•45 min
Welcome to part 2 of the wealth formula - meaningful spending. Time stamps: - newsletter (0:30) - the wealth formula (0:53) - the spending pie chart (1:39) - the biology of spending (6:20) - mindful spending gives us control (9:05) - good spending focuses on relationships (10:40) Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829 Newsletter: https://www.beyondmd.ca/newsletter W ebsite: https://www.beyondmd.ca/ LinkedIn: http...
Feb 19, 2026•16 min•Season 1Ep. 111
Welcome to the first of a 4 part series on the wealth formula. This episode focuses on understanding and optimizing our income. Today's episode is dedicated to our colleague, Dr. Mike Fralick, who recently passed away. Time Stamps: - Remembering Mike Fralick (0:06) - Spam attacks, newsletter (1:34) - The wealth formula (3:05) - Optimizing income (5:30) - Extra shifts (9:32) - Protecting income (12:15) - Diversifying income (14:32) Go Fund Me for Mike's family: https://www.gofundme.com/f/michael-...
Feb 12, 2026•18 min
Today I interview the person who has taught me the most about what it takes to live a rich and meaningful life - my dad, Ashok Chadha. We talk about the importance of dreams, curiosity, taking chances, entrepreneurship, & building an identity around multiple life pillars. Time stamps: - Embracing curiosity and following your dreams (2:37) - Taking the plunge and moving to Canada (6:05) - Finding joy at work and enjoying a long medical career (8:49) - The fragility of life (11:39) - Entrepren...
Jan 22, 2026•44 min•Season 1Ep. 109
Today I'm thrilled to host someone I've learned so much from over the years - Mike Heroux , passionate dividend growth investor. Mike has been educating Canadian retail investors for many years & is founder of Dividend Stocks Rock. Regardless of your investing level, this episode has something for everyone. Discussion points: Introduction (01:53) How Mike got started with dividend growth investing (3:37) The dividend triangle (7:58) How many sectors, how many stocks? (12:14) Finding time to ...
Jan 08, 2026•1 hr 13 min•Season 1Ep. 108
2025 has been an incredible year full of learning, conversations, and memories on the show - thank you for making it possible! Today, we recap the most memorable moments from beyond MD in 2025. Wishing you and yours an enjoyable and restful holiday season. Table of Contents: - Living a rich and successful life with MarK McGrath & Aravind Sithamparapillai (0:45) - Sabbatical, presence, good financial decisions with Dr. Kieran Nair (16:33) - Long-term investing returns with Dr. Paul Healey (27...
Dec 18, 2025•50 min•Season 1Ep. 107
Welcome to part 2 of my real estate investing journey where I cover all of my passive real estate investments. Contents: - MIC - Mortgage Investment Corporation (0:40) - Private equity residential real estate development (4:02) - Public REIT - Sienna Senior Living (8:00) Links: website: https://www.beyondmd.ca/ email: yatin@beyondmd.ca LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Radiology Courses for Clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course ...
Dec 04, 2025•14 min•Season 1Ep. 106
Welcome to my deep dive into every real estate investment I have ever made. There's good, bad, and down right ugly! Part 1 (this episode), focuses on my more active investments - rental properties. Discussion points: - why I decided to invest in real estate (1:00) - sources of return in rental property investing (2:50) - condo #1 (4:40) - condo #2 (7:18) - multifamily (9:35) - learnings from RE investing (16:20) Links: website: https://www.beyondmd.ca/ email: yatin@beyondmd.ca LinkedIn: https://...
Dec 04, 2025•20 min•Season 1Ep. 105
Today I'm thrilled to host Dr. Kyle Fortinsky , an early to mid-career gastroenterologist in Ontario. Kyle and I share something in common - we deeply value our time and the ability to spend it with our families. With this in mind, Kyle co-founded Clever Consult - an AI-enabled software helping specialists automate and streamline the consultation process, saving many hours along the way. Join me as I dig into Kyle's entrepreneurial journey, unpacking lessons for everyone along the way. Discussio...
Nov 20, 2025•47 min•Season 1Ep. 104
Renewing a mortgage is more than just re-signing with your existing lender. Today I sit down with Elan Weintraub to discuss everything related to mortgages and renewals. Treat it like a financial checkpoint that aligns with your career, family plans, and cash flow, not just a headline rate. We dig into the real levers you control, and uncover key questions you should ask: Why is a 30 year amortization often a good idea? Considerations for paying down the mortgage faster Why every 4% rate isn't t...
Nov 06, 2025•51 min•Season 1Ep. 103
There are 2 questions I have become truly fascinated with and aim to answer in this episode: - why do some people truly enjoy their work, while others don't? - how do we go about finding more joy at work? I've spent a lot of time reading around this topic and picking the brains of my fellow colleagues. Today I share what I've learned and the things I'm working on. There are likely several nuggets you can take away and incorporate into your work. Contents: - Introduction (0:19) - What 4 mid-caree...
Oct 23, 2025•26 min•Season 1Ep. 102
Today I welcome my friend and savvy investor, Dr. Kieran Nair. Kieran is a mid-career hospitalist in BC who recently returned from a year long sabbatical in the French Riviera with his family. Today, Kieran opens up about challenges he faced in mid-career, what led to burnout, and what he learned from his year away. He also talks about what to consider when pursuing a sabbatical and financial decisions that made this all possible. Discussion points: - Kieran's intro (1:42) - Mid-career challenge...
Oct 09, 2025•1 hr 1 min•Season 1Ep. 101
For episode 100, I bring back my favourite person - my wife, Sima Acharya! Sima is back by popular demand. Today we unpack some of the big decisions we've made together, discussing the factors at play and what we have learned. Discussion points: - Sima's update (2:25) - Prioritizing adventures in new places earlier in life (6:38) - Balancing now vs delayed gratification - home renovations (19:55) - Raising the kids, learning along the way (25:35) - Travel: how it's changed us, keeping the kids h...
Sep 25, 2025•55 min•Season 1Ep. 100
Today we dive back into pensions for incorporated professionals. On this ride, we compare and contrast 2 good pension options: the individual pension plan (IPP) and the Healthcare of Ontario Pension Plan (HOOPP). For today's chat I'm happy to welcome Sean Wilson (CFP, CIM), founder of Moraine Wealth Advisory, and Navaz Cassam , president & chief actuary of GBL Inc. HOOPP vs IPP White Paper: https://morainewealth.com/blog/hoopp-vs-ipp/ Discussion points: - overview of pensions (1:45) - introd...
Sep 11, 2025•52 min•Season 1Ep. 99
Today I welcome Mehul Gandhi (CFP, TEP, CLU) from Westmount Wealth to discuss death & taxes for incorporated small business owners in Canada. The episode is broken down into 3 parts: - the layers of tax facing the estate upon death of an incorporated professional - strategies to mitigate the tax hit - who can help us & the importance of updating our wills Discussion points: Introduction (3:05) The layers of tax on one's estate after an incorporated business owner passes away (6:08) How m...
Aug 28, 2025•51 min•Season 1Ep. 98
Thank you for joining me on this solo episode where I share my journey (and struggles) en route to finding what truly lifts me up. I'm also thrilled to share my new course (beyond Radiology), which I hope will help my colleagues with their radiology knowledge. Finally, I have a message for trainees and new staff (I hope it resonates). Contents: - overcoming challenges over the last few years (0:50) - finding more fulfillment at work (11:05) - my new course, beyond Radiology (13:45) - finally fin...
Aug 14, 2025•24 min•Season 1Ep. 97
Hey Friends! I'm a bit delayed in releasing a new episode, so I wanted to provide you with a quick update. The next full episode will be August 14th - I hope to see you there. I hope summer is treating everyone well! Yatin
Aug 08, 2025•4 min•Season 1Ep. 96
Today I host Dr. Mamta Gautam, MD, MBA, FRCPC, CPDC, CCPE, CPE. Mamta is an internationally renowned psychiatrist, consultant, certified coach, author and speaker. Focused on Physician Health and well-being since 1990, she is a trailblazer in this field and is known as the “The Doctor’s Doctor”. In the past 2 decades, she has expanded her work to include Leadership Development, to better address system-level factors that impact the wellbeing of healthcare workers. Discussion points: - Mamta's ba...
Jul 17, 2025•54 min•Season 1Ep. 95
Today I welcome my friend, Farrah Khimji , to the show. Farrah Khimji is a business strategist, keynote speaker, and the founder of The Wellth Experience — a business coaching platform and community that helps high-achieving women build purpose-driven businesses rooted in their story, values, and voice. With a CPA, an MBA, and a specialization in Strategy from Harvard, Farrah brings serious business credibility, backed by years of experience in private equity and commercial real estate. Today, F...
Jul 03, 2025•58 min
Today I'm thrilled to welcome Dr. Benjamin Hutten-Czapski , founder of Rewards MD to discuss a topic that can benefit each and every one of us... ...traveling the world by paying less through optimizing credit card rewards. You will want to listen to the end. Key links are at the bottom. Discussion Points: - introduction (2:18) - Rewards MD & how it's different (5:44) - what makes a good keeper credit card? (7:55) - a summary of the various ecosystems (10:18) - Amex platinum: worth it? (13:4...
Jun 19, 2025•1 hr 3 min•Season 1Ep. 93
Welcome back to a second episode on the Canada Pension Plan (CPP). My guest is Jason Yee , a true CPP ninja. Jason guides us through CPP and its 2019 & 2024 enhancements to outline the key features of the plan & helps us understand what we will get from it in the future. Discussion Points: Jason's background (2:43) CPP basics (5:05) Key features of CPP (6:27) Why is CPP so polarising? (9:26) What determines what we will get out of CPP? (11:32) CPP enhancements: why & how do they help...
Jun 05, 2025•33 min•Season 1Ep. 92
Today I welcome Promod Sharma & Jeevan Sharma to the show to discuss the immediate financing arrangement (IFA). Promod (actuary) & Jeevan (CFP) specialize in helping high-net-worth individuals & tackling their unique situations beyond basic insurance coverage. Discussion Points: What is an IFA? (2:17) Whole life (WL) vs Universal life (UL) - which is more suitable for an IFA? (3:41) What is the cash surrender value (CSW)? (7:35) How can policies be structured to allow for IFAs... Imp...
May 15, 2025•58 min•Season 1Ep. 91
Sometimes the answers are right in front of us. My guest today is Dr. Hasan Merali, MD MPH, author of Sleep Well, Take Risks, & Squish the Peas. We both believe kids hold the secret to a happier & richer life. Today, Hasan provides stories & evidence from the science of toddlers to back this up. He also discusses how we can incorporate certain practices into our day-to-day routines. Discussion Points: Hasan's introduction (2:40) Benefits of training in different places (4:10) How Has...
May 01, 2025•47 min•Season 1Ep. 90
I've been investing for 7 years. When the markets get volatile & uncertainty arises, I find it informative & reassuring to sit down with another savvy mind. Today, I'm thrilled to chat with Paul Healey about questions people have related to investing in today's markets. This is jam packed with practical insights and valuable lessons Paul has learned since he started investing in 2007. Discussion Points: - What are the main questions today? (2:10) - Strategy - investing regularly vs buyin...
Apr 17, 2025•35 min•Season 1Ep. 89
Money is certainly something, but it's not everything. Today I review one of the best books I've read on reaching a rich & balanced life: The 5 Types of Wealth by Sahil Bloom Chapters: - Time Wealth (5:35) - Social Wealth (14:20) - Mental wealth (21:40) - Physical Wealth (28:40) - Financial Wealth (30:25) CMPA vote: https://www.cmpa-acpm.ca/en/about/governance/council-elections https://www.the5typesofwealth.com/ https://www.sahilbloom.com/newsletter...
Apr 05, 2025•35 min•Season 1Ep. 88
Today's interview features best selling author, Robin Taub. Robin's book is The Wisest Investment: Teaching Your Kids to Be Responsible, Independent and Money-Smart for Life Robin is CPA by training & started her career at KPMG, pivoted into real estate, & then entered the complex world of derivatives marketing at Citibank Canada. Today, she’s a keynote speaker & award-winning author. Robin lives in Toronto, where she and her husband have raised two (mostly) money-smart young adults....
Mar 20, 2025•57 min•Season 1Ep. 87
Today we revisit pensions with an exploration of the Healthcare of Ontario Pension Plan (HOOPP) for incorporated Ontario physicians. My guest is Rachel Arbour, who is the Head of Plan Benefits, Design and Policy at HOOPP. Discussion points: - HOOPP overview (2:28) - What is a defined benefit pension? (4:13) - How is the defined benefit calculated? (6:23) - what to know about your best 5 years of earnings (9:35) - Is there a ceiling to the defined benefit? (10:31) - who is eligible to take part i...
Mar 06, 2025•55 min•Season 1Ep. 86
