Back on the Wealth Without Bay Street’s Advisor series, Sarbloh Gill is an advisor with Ascendant Financial. He was introduced to Jayson Lowe by a placement agency based in 2015 and was introduced to the book “Becoming your own banker – unlocking the infinite banking concept by Nelson Nash”. Six years later, Sarbloh is now an Infinite Banking Coach with expertise in implementing the process of becoming your own banker to help Canadians obtain the objective of paying off debt while creating wealt...
Jul 20, 2021•31 min
On today’s episode, Jayson Lowe and Richard Canfield talk about the importance of coaching while practicing IBC. The advisors at Ascendant Financial are passionate about coaching their clients through the IBC process. A new portal on the Ascendant Financial website has been launched to help clients learn and practice the process of Becoming Your Own Banker. With anytime, anywhere access, you can watch masterclasses, read client success stories and access a vault of valuable training and informat...
Jul 13, 2021•31 min
Are you paying too much tax? On today’s episode, we have the founder, president and CEO of MrTaxes.ca Inc. Robert Stone has been an income tax professional since 1983. Roberts career began in 1983 while still in high school where he was paid to complete his first tax returns for friends and family. Since then, Robert has formed www.MrTaxes.ca which is a Canadian based federal franchised accounting office which specializes in personal and corporate tax and includes other financial services such a...
Jul 06, 2021•35 min
Launching Wealth Without Bay Street’s Advisor series, Cole Snell is an advisor with Ascendant Financial. As a career entrepreneur, his work has spanned decades in the Health and Wellness and Specialty Food spaces. Recognizing the common bond of money in all businesses, Cole now aims his sights and passion on the financial industry. He truly has a passion for innovation. Serving people has become one of Cole’s motivations in life as he takes his clients through the same journey of discovering IBC...
Jun 29, 2021•31 min
Get a headstart with IBC. Justin Dubeau started IBC at 25 years old and has now been practicing for 5 years. He works as an oil field operator at an oil field and has a wife and two children. On today’s episode, Justin talks about the benefit of starting IBC early on and being able to purchase life insurance policies not only for him and his wife but also for their two kids in order to ensure that he passes on a wealthy inheritance of knowledge and capital to his children. Death comes inevitably...
Jun 22, 2021•29 min
Lawrence W. Reed became President of the Foundation for Economic Education (FEE) in 2008 after serving as chairman of its board of trustees in the 1990s and both writing and speaking for FEE since the late 1970s. He previously served for 21 years as President of the Mackinac Center for Public Policy in Midland, Michigan. He also taught economics full-time at Northwood University in Michigan and chaired its department of economics. He holds two honorary doctorates, one from Central Michigan Unive...
Jun 15, 2021•47 min
Get your FREE COPY of THE AND ASSET FOR CANADIANS: www.andasset.ca Have you been led to believe that you have to choose between compounding interest or liquidity control when it comes to finances? In this episode, Caleb talks about the “and” asset which becomes the foundation to an individual's financial management and breaks them out of the trap of making “or” choices and having to compromise. After taking over the entire investment department of a bank by the age of 19, Caleb saw firsthand how...
Jun 08, 2021•42 min
What are whole life insurance dividends? How do they work? What is the Dividends Scale interest Rate and how does it actually show up in a policy? These are great questions and you are in for a treat as Jayson and Richard go on a rant in a rare episode where they share the screens and show a sample life insurance illustration. They use this to debunk some myths about dividend rates and rates of return that are commonly referred to as financial noise out there in the marketplace. Learn what reall...
Jun 01, 2021•1 hr 2 min
CLIENT SERIES EPISODE: From an IBC skeptic to an IBC champion, Cory Chittenden joins us today on our Client Series to talk about his journey incorporating IBC for himself and his business. Cory and his wife, along with their three children live in Saskatchewan, Canada. Cory has owned a business for 25 years that specializes in communication services for residential and healthcare clients. He had been researching IBC for over two years before he finally decided to take the plunge and get his firs...
May 25, 2021•35 min
Your business might be doing well, but is it valuable? The majority of modern entrepreneurs often prefer to sell their businesses before retiring and provide themselves and their children a pool of capital to settle with. Stephen Cummings talks about some of the common pitfalls business owners face while trying to get a good valuation and sell their companies, as well as how to navigate exiting a business with a great deal. Stephen is CEO and General Managing Partner of Rizolve Partners, a strat...
May 18, 2021•44 min
Why do you do what you do? What is your vision and mission? David Schmeikal is a master storyteller and brand strategist that helps businesses and entrepreneurs find their purpose, communicate their story and develop culture within their organization. Based out of Alberta, Canada, David has worked with businesses to facilitate and coach them through a journey of transformation and creating meaningful work. He is the host of The Gyst Life podcast. In today’s episode, David talks about the process...
May 11, 2021•36 min
Mary Jo Irmen is the author of the book Farming Without the Bank and a Farm Finance Strategist. She is changing how the farming industry is financed and helps farmers see that there are financial solutions for them and the next generations. Mary Jo's mission is to take a 100-year-old financial process and turn it around by making the bank plan B rather than plan A, give farmers their financial control back, and allowing the next generation to take over without having to buy the farm from the ban...
May 04, 2021•30 min
CLIENT SERIES EPISODE: David Klein, 36 year old, has been a police officer for the past 13 years. He and his wife, Devon, have two boys and live in Alberta, Canada. David’s father worked for the CRA so RRSPs and cash in the bank were some of the key financial lessons that were taught in the Klein household growing up. David was introduced to IBC nine years ago. Thinking that IBC was a scam and sounded too good to be true, he spent nine months researching it and looking for loopholes that could e...
Apr 27, 2021•35 min
Is your relationship with money complicated? Do you find yourself working hard and yet have only a little money in your account once all your dues are cleared? In today’s episode, Lisa Campbell talks about the strategies to make your business more profitable. Traditional accounting and bookkeeping services are transactional, where an accountant would be paid a fee to do the books and prepare your taxes. Most accounts do not help consult their clients on maximizing profits. Lisa helps guide entre...
Apr 20, 2021•41 min
How should you go about selling the business that you worked so hard to build? What are the steps you must take to ensure that you are able to capture maximum value while exiting your business? We have John Warrillow for you today. John Warrillow is the founder of The Value Builder System™, and author of the bestselling books: Built to Sell: Creating a Business That Can Thrive Without You The Automatic Customer: Creating a Subscription Business in Any Industry The Art of Selling Your Business: W...
Apr 13, 2021•39 min
CLIENT SERIES EPISODE: Life took an unexpected turn for Jean that drained out his pension funds and RSP’s as well as max out his credit cards. The lack of control over his investment liquidity and getting taxed on every withdrawal was what moved Jean towards IBC. Jean has now been practicing IBC for the past few years and it has helped him clear off his credit card debts, pay off various household expenses as well as give him hope for the future financially. Jean is a dedicated family man that h...
Apr 06, 2021•35 min
How can you have a virtual CFO? How can you add turbo boosters to your growing business to 5X, 10X your business by having the right team of experts around you? Drive results, track them so you can see a real trajectory as you build profits. Make data-driven decisions that help you build momentum. Enter The Wealthy Entrepreneur Formula. Robert Gauvreau is the founder and award-winning business advisor at Gauvreau & Associates CPA, a firm that specializes in working with entrepreneurs to prov...
Mar 30, 2021•45 min
What happens if you die without a will? What are the major pitfalls and problems that can happen if you don’t draft a will that works in your jurisdiction. Find out how to save money, time and see your final wishes come true with our special guest, estate lawyer Angela Yee-Hamshaw. Born and raised in Calgary, Angela has been practicing law since 1999, having worked in the wealth management division of two major financial institutions, the Government of Alberta in the Office of the Public Trustee...
Mar 23, 2021•42 min
CLIENT SERIES EPISODE: Stephen Wenzel is a world traveller, music director and yoga teacher, real estate investor, and 2-time Survivor of Stage 4B cancer. He had long been looking for a way to escape the banking system, which is how he ultimately found The Infinite Banking Concept in 2019. Since then, he has opened two policies for his IBC System. He has paid off multiple debts using IBC, including a rental property mortgage, invested in other asset classes (precious metals, paper assets), and l...
Mar 16, 2021•36 min
From Fort Worth, TX, James C. Neathery is recognized as a leading life insurance professional and general agent in the United States with over thirty years’ experience in the financial world and over sixteen years of experience personally and professionally practicing the Infinite Banking Concept ®. He is a disciple and student of R. Nelson Nash, a member of the Million Dollar Round Table, sits on the Field Advisory Council for Lafayette Life Insurance Company, is the Executive Producer of the B...
Mar 09, 2021•55 min
CLIENT SERIES EPISODE: Shaun lives in the Niagara Region of Ontario, where he lives with his wife and two sons. He has been a Youth Worker at a youth detention facility for nearly 20 years. Shaun first heard of Infinite Banking years ago but at the time thought it was something for wealthy business owners only. In 2020 he rediscovered the concept while on Twitter, and very quickly went all in learning more. Shortly after that, he was connected with Richard Canfield and started his first policies...
Mar 02, 2021•36 min
CLIENT SERIES EPISODE: Scott Wilson high school teacher who began investing in real estate 6 years ago, specifically student rentals. After accumulating a number of houses Scott began to look for other opportunities outside of real estate. He was introduced to IBC by his cousin, Peter Lount, a couple of years ago. It took Scott about 6 months to begin to understand how this concept could benefit his investments along with his everyday living expenses. Using IBC has allowed Scott to find new oppo...
Feb 23, 2021•45 min
Back for a second time on the Wealth Without Bay Street Podcast is Senior Wealth Architect and Team Developer, Sarbloh Gill. Sarbloh is an expert in his field and is recognized as one of the top Infinite Banking Practitioners in Canada. In this episode, the guys talk about the importance of focusing on redirecting your money back into your own personal banking system. Sit back and think about where the majority of your money goes each month. That’s right! Bills. You're spending your time working...
Feb 16, 2021•36 min
Did you know that you can directly impact the dividends you receive each year by a life insurance company when you own Par Whole life? The policy owner has the largest impact on the dividend they are able to receive in a given year and the ripple effect of every future dividend is directly impacted by the premiums the policy owner puts in. Dividends are one of the most misunderstood areas of a Participating Whole Life Insurance contract. Jayson and Richard breakdown how these unilateral binding ...
Feb 09, 2021•34 min
On today's “Client Series” episode of Wealth Without Bay Street, Jayson and Richard are joined by Liam McGoran. Liam works as a Design Engineer (EIT) for an engineering firm in Vancouver, BC. Amongst spending time hiking and being outdoors in the Greater Vancouver area, Liam has picked up an interest in macroeconomics and investing. He has especially enjoyed being able to implement IBC as a tool to further accelerate his investing journey. In a world of out of control central banks and big gover...
Feb 02, 2021•24 min
Having an Infinite Banking Policy is a wonderful tool to help navigate your financial life not to mention the benefit of knowing your family is taken care of once you have passed. But, these policies only work if you take care of them. If you withdraw a policy loan and don’t repay it, then you’re only going to hinder the death benefit that your family is to receive. Being strict with repaying yourself is crucial to the success of your policy. Listen as Jayson and Richard discuss the importance o...
Jan 26, 2021•19 min
When people think about retirement, usually the first things that come to mind are RRSPs, Tax-Free Savings Accounts, Government funded pensions and/or company pensions. Why not create your own guaranteed retirement income? With Becoming Your Own Banker – The Infinite Banking Concept you can do just that. Now more than ever, we need to take control of our money. The government is spending money at a record pace and it will need to be paid back. How do you think this payback will happen? That’s ri...
Jan 19, 2021•32 min
We all know that everyone’s financial situation is different. But did you know that you can set up a policy to suit you? Most people don’t and that’s ok. The most important thing is to not ponder over what you didn’t know but to dive in and learn all the ways you’re able to make your financial situation better. Our mission is to share the message to Candians that you can improve your wealth without Bay Street. As you will hear Jayson and Richard say, reading Nelson’s book multiple times is a MUS...
Jan 12, 2021•26 min
Joining Richard and Jayson today is the power couple, Cherry Chan and Erwin Szeto. Cherry is an entrepreneur, a best-selling author on Amazon, a blogger, a mom of two young kids and a Chartered Professional Accountant helping real estate agents and real estate investors. Cherry is also in high demand as a public speaker for her tax knowledge. Erwin is the founder of the iWIN (Infinity Wealth Investment Network) and the iWIN Real Estate. He has a Top 100 Investment Podcast (per iTunes) and is Pre...
Jan 05, 2021•50 min
Jos Willard believes you should make your decisions from your values, NOT your bank account balance. Of course, the best way to be able to do that is to have a full bank account. His mission is to help good people build profitable businesses. Creator of the Profit for Coaches system and host of the Profit for Coaches podcast , Jos stands up against the “coaching industry” that preys on service professionals and coaches, providing an escape from the “bro” marketing and coaching “gurus,” of the wo...
Dec 29, 2020•45 min
