Canadian Wealth Secrets Podcast
Guiding You On Your Wealth Building Journey
What if building wealth wasn’t about finding the next investment… but about building the right financial system?
Canadian Wealth Secrets is an education-first wealth planning platform designed for incorporated business owners and high-income Canadians who want to build, optimize, protect, and eventually transfer their wealth with greater confidence.
Hosted by former mathematics teachers, serial entrepreneurs, and long-time investors Kyle Pearce and Jon Orr, the show was created after discovering that many of the most effective wealth-building strategies available to successful Canadians simply weren’t being discussed openly—or were being explained in isolation without showing how they fit into a complete financial plan.
That’s why we built Canadian Wealth Secrets.
We believe that understanding should always come before implementation.
Instead of selling products or chasing investment trends, we teach you how to think about your wealth as a complete system.
Every episode is designed to help you better understand one or more of the Four Stages of Holistic Wealth Planning:
Stage 1: Design Your Vision for Freedom
Clarify what financial freedom actually means for you and build a wealth plan around your ideal lifestyle—not someone else’s.
Stage 2: Build Your Wealth Reservoir
Create financial optionality by establishing safe, predictable capital that allows you to confidently invest, navigate uncertainty, and seize opportunities.
Stage 3: Optimize Your Wealth Plan
Learn how successful Canadians structure corporations, investments, taxes, leverage, insurance, and cash flow to build stronger active and passive income flywheels.
Stage 4: Legacy & Estate Strategy
Protect your family, your business, and your life’s work while transferring wealth as efficiently as possible to the next generation.
Whether you’re just beginning your wealth-building journey or already managing multiple corporations, investment properties, or a seven-figure portfolio, Canadian Wealth Secrets helps you connect the dots between tax planning, investing, insurance, business ownership, and long-term financial freedom.
Our mission is simple:
To help Canadians make better wealth decisions by first helping them understand how the system works.
Beyond the podcast, you’ll find a growing educational ecosystem including our YouTube channel, free self-paced masterclass, Wealth Pathways Assessment, proprietary wealth planning tools, and complimentary one-on-one strategy calls designed to help you identify your next best move with clarity and confidence.
When implementation makes sense, our licensed team and trusted strategic partners can help you execute many of the strategies discussed on the show—including corporate wealth management, tax-efficient insurance strategies, alternative investments, and other advanced wealth planning solutions. As always, our education comes first, and there’s never any obligation to work with us.
If you’re ready to stop collecting financial tips and start building a complete wealth system, you’re in the right place.
Topics you’ll regularly hear discussed include:
- Canadian tax planning
- Corporate wealth management
- Wealth planning for incorporated business owners
- Corporate-owned, high cash value participating whole life insurance (COLI)
- The Smith Maneuver
- Corporate investing
- Passive income strategies
- Adjusted Aggregate Investment Income (AAII)
- Small Business Deduction (SBD)
- Active income flywheels
- Wealth reservoirs
- Retirement planning
- RRSP and RRIF strategies
- Individual Pension Plans (IPP)
- Personal Pension Plans (PPP)
- Capital gains tax
- Holding companies
- Estate and legacy planning
- Dividend investing
- Covered Call ETFs
- DIY and Index Investing
- Private equity (PE)
- Real estate investing
- Financial independence, Retire Early (FIRE)
- Business succession
- Cash flow optimization
- Tax-efficient investing
- Canadian personal finance
- Wealth preservation
- Alternative investments
- Leverage strategies
- Financial education for entrepreneurs
If you enjoy podcasts like The Rational Reminder, The Wealthy Barber Podcast, Build Wealth Canada, The Canadian Investor, Afford Anything, ChooseFI, The Money Guy Show, BiggerPockets Money, Masters in Business, Financial Audit, More Money Podcast, or The Canadian Real Estate Investor, you’ll feel right at home here.
Canadian Wealth Secrets was formerly known as the Invested Teacher Podcast.
Recent Podcast Episodes
Episode 270: The AI Bubble Just Broke Your Retirement Plan
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! Is the 4% rule giving you a false sense of security about your retirement plan? The 4% rule is one of the most popular shortcuts in retirement planning, but it was never meant to...
Episode 269: Why “Defer, Defer, Defer” Can Leave Canadian Business Owners Stuck at Retirement
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! Many incorporated business owners believe they have only two choices: pull money out of my corporation now and pay the tax, or leave it inside the corporation and deal with the...
Episode 268: Are You Investing Enough—or Just Following Outdated Financial Advice?
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! Is saving 10% of your income really enough to create financial freedom and set you up for a comfortable retirement—or could that “responsible” rule leave you short? Most people...
Episode 267: How To Use A Pension Plan to Build Tax-Deferred Wealth
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! Are IPPs and PPPs actually the right next step for your corporate wealth strategy—or just more complexity than you need? As your incorporated business grows, your planning...
Episode 266: How Risky Is Leveraged Investing? Have Canadian Investors Been Thinking About Risk All Wrong?
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! Is leverage really the risky part of wealth building — or is the bigger risk misunderstanding how, when, and why to use it? Many Canadian business owners and investors already use...
Episode 265: Ontario Corporate Tax Rate Drops to 11.2%—So Why Are Business Owners Worse Off?
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! Is Ontario’s small business tax cut actually saving you money—or just shifting the tax bill somewhere else? A lower corporate income tax rate sounds like a win for business...
Episode 264: The Passive Income Mistake You Need To Avoid as a Canadian Business Owner
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! Are your corporate retained earnings really worth what you think they are once they finally reach your family’s hands? If you’ve built up cash inside your corporation or holding...
Episode 263: The Smith Manoeuvre vs. Cash Damming: What Canadian Investors Need to Know
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you chasing a tax-saving strategy that sounds smart—but may not be the biggest financial opportunity in front of you? In this episode, Jon Orr and Kyle Pearce unpack a...
Episode 262: Ultimate RRSP / RRIF Meltdown Strategies to Pay Zero Tax in Canada
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Could your RRSP become one of your biggest future tax problems—and is there a smarter way to unwind it? Many Canadians spend decades building RRSP wealth, only to discover later...
Episode 261: Let Passive Income Stay Passive. Your Retirement Plan Will Thank You
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you spending your best time chasing small financial gains while your biggest opportunity is sitting right in front of you? In this episode, Jon Orr unpacks a simple but...
Episode 260: The 5 Investor Personality Types That Determine Your Financial Success in 2026
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!What if your investment results have less to do with what you own—and more to do with who you become when markets get uncomfortable? Most investors are taught to focus on picking...
Episode 259: The Smarter Way to Fund Retirement: The Income Factory Strategy
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!What if your retirement plan depends on selling the very assets you spent decades building? For many business owners and high-net-worth Canadians, “financial freedom” often means...
Episode 258: They Built a Successful Business. Then Their Income Dropped – Here’s the System They Were Missing
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!What happens if your main income engine slows down before your backup plan is even moving?If you’re building a business, growing retained earnings, or counting on a future exit to...
Episode 257: From Retained Earnings to Tax-Free Cashflow: A Smarter Corporate Wealth Strategy
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Want to turn corporate retained earnings into future tax-efficient cash flow without locking your money away? If you are a business owner sitting on retained earnings, you have...
Episode 256: Financial Freedom Reverse Engineering: A Guide For Canadians
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!What would it actually take to make work optional by age 50? As a Canadian business owner or investor, If you have a good income, some investments, and a rough number in mind for...
Episode 255: A Smarter Way to Use Retained Earnings Without Triggering a Huge Tax Bill
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Want a smarter way to use corporate retained earnings without triggering a massive personal tax hit? If you’re a successful incorporated business owner in Canada, you’ve probably...
Episode 254: The Micro Habit That Can Build Wealth for Years You Need To Hear
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you spending too much time trying to optimize your money instead of making the moves that actually build wealth? This episode is for the Canadian business owner who wants to be...
Episode 253: He Wanted to Retire at 55… But His Business Wouldn’t Let Him
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you building a business you can actually step away from—or just creating a job that depends on you forever? If you’re a Canadian incorporated business owner thinking about...
Episode 252: DIY Investing vs. Financial Advisor: What’s Really Costing You More?
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Is paying 1% for investment management a waste of money—or the exact support that could protect your wealth? If you’ve ever wondered whether you should keep investing on your own...
Episode 251: Fixing a $7M Canadian Retirement Plan Gone Wrong
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!What do you do when you’ve built more wealth than you need—but your success is quietly setting up a massive future tax bill? This episode walks through a real planning scenario...
Episode 250: How to Handle Stock Market Drawdowns Without Ruining Your Retirement Plan
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are market drawdowns making you question your retirement plan—or tempting you to panic when your portfolio drops? When markets pull back, it is easy to feel like everything is...
Episode 249: What ‘The Psychology of Money’ Gets Wrong About Portfolio Diversification
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you really diversified—or just following one investing strategy and hoping it works out? In this episode, we unpack what The Psychology of Money gets wrong about portfolio...
Episode 248: Stop Taking Dividends (Until You Hear This)
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are dividends really the smartest way to pay yourself from your corporation—or could they be quietly costing you more over time? If you’re an incorporated Canadian business owner,...
Episode 247: Asset Rich but Cash Poor: Why Real Estate Alone Won’t Fund Your Retirement in Canada
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you really financially free if your net worth is locked in real estate but your cash flow still feels tight? This episode is for the investor who looks strong on paper but...
Episode 246: Investing in Real Estate Before Corporate Owned Life Insurance? The Mistake Business Owners Make
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! Are you building wealth in the right order—or accidentally delaying the very foundation that makes bigger opportunities possible? If you’re a business owner sitting on retained...
Episode 245: Kevin O’Leary Says You Need $5 Million in Cash For Retirement. Is This Actually Smart in 2026?
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Do you really need $5 million in cash to be financially free—or is that number missing the bigger point? Many people hear bold retirement numbers from wealthy entrepreneurs and...
Episode 244: Can Your RRSP Be Too Big? (High Income Earners in Canada Beware)
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! Are you avoiding your RRSP because you’re afraid it could become a massive tax problem later? If you’re a high-income earner or incorporated business owner, you’ve probably...
Episode 243: Emergency Fund vs HELOC: How Much Liquidity Should You Keep?
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you holding too much cash “just in case” — and missing bigger wealth-building opportunities because of it? Most Canadians start with a simple emergency fund. But as your net...
Episode 242: Should You Retire With a Mortgage in Canada? The Truth About Debt, Tax Strategy & Financial Freedom
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! Should you actually retire with debt on purpose? For years, you’ve probably pictured retirement as completely debt-free — no mortgage, no payments, no financial pressure. But what...
Episode 241: How To Reduce Tax on RRSPs, Capital Gains, and Corporate Retained Earnings for Financial Planning
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you accidentally letting hundreds of thousands of dollars sit idle in your holding company… unsure how to deploy it without triggering unnecessary tax? If you’re a Canadian...
Episode 240: Index Fund Investing: Growth Strategy or Income Strategy?
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! Is index fund investing really the best path to financial freedom — or is it only effective if you can survive the emotional rollercoaster that comes with it? Most investors are...
Should You Buy, Finance or Lease Your Next Vehicle? How To Think Strategically About Debt
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you accidentally letting “dead equity” sit idle when it could be working harder for you? Most Canadians think financial freedom optimization is about cutting expenses or...
Episode 238: How to Pay ZERO Taxes on Your RRSP / RRIF Withdrawals
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now! What if carrying debt into retirement could actually reduce your taxes and increase your long-term flexibility? Many Canadians are taught that being mortgage-free is the ultimate...
Episode 237: Cash Damming Explained: The ‘Older Sibling’ of the Smith Maneuver for Business Owners
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you sitting on rental or business cash flow that could be quietly accelerating your mortgage payoff and cutting your tax bill at the same time? If you’re a Canadian business...
Episode 236: Financial Advice Mistakes To Avoid To Protect Your Net Worth & Estate
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Have you ever felt pressured into a “sophisticated” financial strategy you didn’t actually understand? As a Canadian incorporated business owner or high-net-worth professional,...
Episode 235: Is the 4% Rule Failing Canadian Retirees?
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Is the 4% rule still a reliable path to financial freedom in Canada—or is it holding your retirement plan back? You’ve heard it a hundred times: save 25x your annual expenses and...
Episode 234: Retained Earnings Are Growing—So Why Does It Still Feel Uncomfortable? A Canadian Business Owner Case Study
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!What should you do when your corporation has more cash than clarity? Many incorporated business owners hit a silent milestone: revenue is steady, personal income is solid, but...
Episode 233: Salary vs. Dividends: How to Choose the Right Mix for Long-Term Wealth in Canada
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are dividends really more tax-efficient for business owners—or is that advice costing you hundreds of thousands over time? If you're an incorporated Canadian business owner, you've...
Episode 232: This Retirement Plan is Built On Hope. Is Yours? A Canadian Case Study
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you relying on “just growing the pile” to fund your retirement? Too many Canadian business owners hope their savings will be “enough” without ever truly running the numbers—or...
Episode 231: Stop Letting Your Emotions Sabotage Your Financial Freedom
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Is your financial freedom being hijacked by your emotions? We all like to think we're logical with money—crunching the numbers, weighing the odds, making the “smart” move. But the...
Episode 230: Should I Invest Personally or Corporately to Optimize Tax in 2026?
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Should you build your next investment property in your personal name or through your corporation? If you're a Canadian business owner sitting on retained earnings or personal...
Episode 229: Mortgage Renewal, Refinance, Payoff? Your Guide for Mortgages in 2026
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Should you aggressively pay off your mortgage—or use it as a strategic tool to build wealth? As a business owner, the mortgage decision isn’t just about rates and terms—it’s about...
Episode 228: How We Help Business Owners Build Tax-Efficient Wealth | A Peek Into Canadian Wealth Secrets
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you a high-income Canadian or incorporated business owner wondering why your wealth plan feels more like a mystery than a strategy? Too often, professionals like you are sold...
Episode 227: Why Leaving Canada Will Not Solve Your High Tax Problems | Canadian Business Owners
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are high taxes really the reason you're thinking about leaving Canada—or is your financial structure quietly sabotaging your wealth? Many successful Canadian entrepreneurs feel...
Episode 226: How to Escape the Four Money Traps Holding Your Wealth Back
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you a business owner who technically has freedom—but still can’t take a random Friday off without guilt or cash flow stress? Too many Canadian entrepreneurs feel like prisoners...
Episode 225: The 3 RRSP Meltdown Strategies Every Canadian Business Owner Should Know
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you unknowingly turning your RRSP into a massive tax bill instead of a wealth-building tool? Most Canadians — especially incorporated business owners — obsess over contributing...
Episode 223: Our Holiday Message To You!
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Do you ever feel like you should be further ahead financially — even though you’ve been doing everything “right”? As the year winds down, this episode speaks directly to Canadian...
Episode 222: How to Create Tax Free Passive Income With Your Retained Earnings
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are your retained earnings quietly shrinking under taxes and inflation — even though your business is thriving? If you’re an incorporated business owner, you’ve likely felt boxed...
Episode 221: The Biggest Wealth Lessons for 2026
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you sitting on piles of retained earnings but still unsure how to actually put your money to work as a business owner? So many incorporated business owners believe they’re...
Episode 220: Three Mistakes Business Owners & Investors Make During December – While Striving For Financial Freedom
Listen here on our website:Or jump to this episode on your favourite platform:Watch Now!Are you heading into the end of December wondering why your financial progress keeps stalling—despite having strong income or a successful business? This episode dives into the...





















































