Shows
Portfolio Talks🌞 Get Summer Finance Fit! 💸☀️Mike Lloyd and Tyson Nagasaka dive into how to get your money ready for summer — and the common financial mistakes people make every year. Don’t let your wallet melt! 🔥💳Watch now and start summer strong! 🏖️📊#SummerFinance #MoneyTips #FinancialFitness2025-05-2919 minPortfolio Talks🏡 Is Your House REALLY an Investment? 🤔Mike Lloyd and Tyson Nagasaka break down 5 surprising reasons why your home might be more than just a place to live — it could be your smartest investment yet! 💰📈Don’t miss this eye-opening conversation! 🔍✨Have questions?www.portfolioplanning.cawww.homehappy.ca#RealEstate #Investing #FinancialFreedom2025-05-2226 minPortfolio Talks5 Reasons Your Home Is Not An Investment!Mike Lloyd and Tyson Nagasaka discuss why you shouldn't think of your home as an Investment!Many clients are constantly told to view their home as an investment but don't apply investment behaviour Have questions? Leave a comment or reach out to us directly.www.portfolioplanning.cawww.homehappy.ca2025-05-0820 minPortfolio TalksIndependent Broker vs Captive AgentWho you work for usually sways the advice that you give!In today’s episode Vishal is missing so it’s Mike and Tyson talking about:Independent Broker versus Captive or Bank representative & how they would issue advice and how that affects clients 2025-05-0116 minPortfolio TalksSpring Clean Your Finances: Why You're Richer Than You Think💰🤔In this episode of Portfolio Talks, we help you get your financial house in order.💡 What You’ll Learn:Why your first $100K saved changes everythingThe problem with HELOCs and how they’re marketedHow refinancing can be a secret weapon (if used right)The power of simplifying your debt into one manageable paymentWhy less “stuff” and more savings lead to true peace of mindThis one’s like a financial reset button 🔁—perfect for spring.💬 Got questions? Drop a comment👍 Like, 💬 Comment, and 🔔 Subscribe for more real conversations about money.2025-04-1022 minPortfolio TalksThe Dark Side of Investing Exposed! Celebrity ScammersIn this episode of Portfolio Talks, we break down the shocking reality of fraud in the financial world.💰 Key Takeaways:🚨 How scammers walk away with millions—legally🔎 The hidden risks in real estate, crypto, and mortgages📉 Why “boring” investments are the real key to long-term wealth🛡️ How to protect your hard-earned money📢 Subscribe & Share to Help Others Avoid Financial Pitfalls!2025-04-0423 minPortfolio TalksWhy Your Wealth Isn’t as Protected as You Think! 😲In this episode of Portfolio Talks, we dive into the critical gaps in financial and estate planning that most people overlook.💡 Key Topics Covered:✅ The 3 must-have insurances: Life, Critical Illness, and Disability✅ Why bank insurance might leave your family vulnerable✅ The estate planning mistakes that can cost your loved ones thousands✅ Power of Attorney, Wills, and Representation Agreements—why they matter🎙 Like this episode? Subscribe, Share, and Drop Your Questions Below!2025-03-1822 minPortfolio TalksThe Smart Way to Handle Your Mortgage & InvestmentsWelcome back to Portfolio Talks! In this episode, Vishal, Tyson, and Mike tackle some of the most important money conversations you should be having—but probably aren’t.🔹 What You’ll Learn:✅ The real cost of buying a new home—hidden fees, taxes & financing traps✅ Why pre-approval matters before selling your home✅ The biggest mortgage mistakes self-employed Canadians make✅ How to protect your wealth from bad financial advice📢 Key Takeaways:✔️ Know your numbers before making a major financial move✔️ Your mortgage is l...2025-03-0724 minPortfolio TalksProtecting Your Wealth with Smart Insurance PlanningWelcome back to Portfolio Talks! In this episode, Vishal, Tyson, and Mike discuss essential insurance strategies that safeguard your financial future.🔹 What You’ll Learn:✅ The 3 must-have insurances: life, chronic illness, and disability✅ Why early insurance planning saves you money in the long run✅ The importance of critical illness insurance for children✅ Why bank insurance may not be your best option📢 Key Takeaways:✔️ Insurance is the foundation of financial security—plan early✔️ If you're self-employed, protect your income now✔️ A second opinion on y...2025-03-0124 minPortfolio Talks📌 Understanding Capital Gains, Compounding Interest & Mortgage HacksWelcome back to Portfolio Talks! In this episode, we break down key financial topics that impact your wealth-building strategy.🔹 What You’ll Learn:✅ Why Canada’s capital gains tax increase has been paused—what it means for you✅ How compounding interest works and how to make it work for you✅ Smart mortgage strategies: reducing your amortization, paying down debt, and leveraging your home equity✅ How to use RRSP refunds effectively (spoiler alert: don’t buy a boat!)📢 Actionable Tips:✔️ Keep your mortgage payment...2025-02-1723 minPortfolio Talks📢 Teaching Kids About Money & Generational Wealth 📢In this episode of Portfolio Talks, Vishal and Tyson are joined by Kalynka from The Home Happy Team, to tackle two critical topics: 1) How to teach kids about money2) Understanding intergenerational wealth transfer 💰 🔹 Key Takeaways: ✅ How to instill smart money habits in kids ✅ The importance of modeling financial behavior ✅ What intergenerational wealth transfer really means and how you can do it🚀 Like, subscribe, and share!💡 Have questions? Drop them in the comments!www.portfolioplanning.ca2025-02-1423 minPortfolio Talks📌Understanding Capital Gains, Compounding Interest & Mortgage HacksWelcome back to Portfolio Talks! In this episode, we break down key financial topics that impact your wealth-building strategy.🔹 What You’ll Learn:✅ Why Canada’s capital gains tax increase has been paused—what it means for you✅ How compounding interest works and how to make it work for you✅ Smart mortgage strategies: reducing your amortization, paying down debt, and leveraging your home equity✅ How to use RRSP refunds effectively (spoiler alert: don’t buy a boat!)📢 Actionable Tips:✔️ Keep your mortgage payments steady even when...2025-02-1423 minPortfolio Talks📢 RRSP Season: What You Need to Know! 📢📢 RRSP Season: What You Need to Know! 📢In this episode of Portfolio Talks, Vishal Gill, Tyson Nagasaka and Michael Lloyd sit down to break down RRSP season, why it’s so critical, and how to maximize your tax refund while building wealth. 💰🔹 Key Takeaways:✅ Why NOW is the best time to invest in your RRSP✅ How market cycles impact your portfolio✅ Smart moves for first-time investors🚀 Like, subscribe, and share! 💡 Let us know your RRSP questions in the comments!2025-02-1221 minPortfolio TalksSpecial Edition!! Optometrist must knows for your career. Dr Janice Luk shares her adviceUnderstanding Dry Eye Treatment
Dr. Luk elaborates on the evolution of dry eye treatment, noting that traditional methods have progressed into more advanced in-office therapies. She outlines how increased screen time has caused a rise in dry eye cases, particularly among younger individuals, and emphasizes the importance of optometrists being knowledgeable about modern treatments and associated beauty trends.
The discussion dives into the relationship between beauty treatments, such as lash extensions, and eye health. Dr. Luk discusses how optometrists need to have conversations with patients about these treatments, emphasizing the importance of education over blanket...2025-01-2435 minPortfolio TalksLearn the truth about Canada's Progressive Tax System, Debunk the Myths, and Discover Smart StrategiesCanadian Tax System OverviewVishal Gill and Michael Lloyd introduce Canada's progressive tax system, emphasizing that it's designed to be fair by not taxing all income at a flat rate. Instead, it functions on a tiered basis, where individuals pay different rates based on their income levels. They explain that lower incomes are taxed less, while higher earnings incur increased tax rates, challenging the myth that everyone pays a flat 50% tax.The hosts discuss the choice self-employed individuals have between paying themselves through salary or dividends. While dividends are often taxed at a lower rate...2025-01-2418 minPortfolio TalksSeason 2 Episode 1Welcome to 2025!
Vishal, Mike, and Tyson kick off Season 2 with an engaging discussion about navigating financial chaos, opportunities amidst market uncertainty, and the power of automation in achieving financial goals.
They share actionable tips for sticking to plans, taking advantage of market dips, and reframing the budgeting process to reduce stress.
Amid political and economic volatility, the team emphasizes the importance of protecting your mindset, focusing on what you can control, and starting the year with positivity and clear goals.2025-01-1720 minPortfolio TalksEp 21 - 2024 Wrapped!In the final episode of 2024 from Portfolio Planning Inc, Vishal, Tyson, and Mike reflect on the financial landscape over the past year, discussing trends in interest rates, mortgage strategies, and tips for navigating the upcoming year. The hosts emphasize the importance of planning and goal-setting as viewers prepare for 2025 and share actionable advice regarding debt management and financial planning.
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Portfolio Planning & Home Happy Team
Key Points:
Current Mortgage Trends
The discussion highlights how mortgage rates...2024-12-2526 minPortfolio TalksEp 20 Portfolio Talks - Special Ep - CEO of ModernAdvisor Navid Boostani*** Disclaimer below***
In this special episode, Navid Boostani, co-founder of ModernAdvisor, discusses key insights into the investment market for 2024. He reflects on the unpredictable nature of market predictions, highlights the importance of diversification, and explains the growing trend of Canadian investors shifting from mutual funds to ETFs due to lower costs and better efficiency. The episode emphasizes the value of financial advisors in navigating emotional aspects of investing and maintaining a balanced portfolio in uncertain times.
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2024-12-2541 minPortfolio TalksEp 19 Portfolio Talks - Diversifying beyond the stock marketIn episode 19 of Portfolio Talks, the Vishal , Mike & Tyson discuss the recent decline of the Canadian dollar and explore investment alternatives beyond the stock market.
We emphasize the importance of personal finance education and the need for tailored investment strategies that consider individual circumstances.
The episode highlights challenges in the Canadian economy, the concentration risk in the S&P 500, and suggests focusing on alternative investments for potentially better returns and diversification.
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Portfolio Planning & Home Happy Team
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...2024-12-2530 minPortfolio TalksEp 18 Portfolio Talks - Keeping your wealth by using insurance correctly!The episode Vishal, Tyson & Kalynka discuss wealth preservation for high-income earners through effective use of insurance. We emphasizes the importance of obtaining insurance early to protect income and wealth.
We explore various types of insurance including life, disability, and critical illness, highlighting their roles in ensuring financial stability and protecting against unforeseen circumstances. We also address misconceptions surrounding insurance and stress the importance of professional financial planning.
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Portfolio Planning & Home Happy Team
Key Points:
Wealth Preservation Importance
2024-12-2535 minPortfolio TalksEp 17 - Retirement for high income earners, TFSA, RRSP, Pension Plans, FHSA + More!This episode discusses retirement planning strategies specifically for high-income earners, including the use of RRSPs, TFSAs, pension plans, and real estate for retirement savings. The hosts emphasize the importance of early planning and the need for tailored financial advice to optimize retirement outcomes.
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Portfolio Planning & Home Happy Team
Key Points:
Understand the Importance of Early Planning
Retirement should not be viewed solely as a future age but as a financial milestone that can be achieved...2024-12-2532 minPortfolio TalksEp 16 - Understanding Debt Dynamics 😱In this episode of Portfolio Talks, Tyson and Vishal provide insights into the complexities of debt, categorizing it into good and bad forms, discussing strategies for managing and leveraging debt effectively, especially in a climate of rising interest rates.
We emphasize the importance of understanding different debt types, making informed financial decisions, and having strategic planning for debt management.
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Portfolio Planning & Home Happy Team
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Types of Debt2024-12-2532 minPortfolio TalksEp 15 - Real Estate Investment InsightsIn this episode, Tyson, Vishal & Mike discusses the nuances of real estate as an investment tool in Canada, especially in high-demand areas like British Columbia and Ontario.
The conversation focuses on the strategies, challenges, and benefits of incorporating real estate into an overall investment portfolio.
We delve into topics such as market trends, the importance of seeking expert advice, and the significance of strategic planning in real estate investments.
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Portfolio Planning & Home Happy Team
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2024-12-2532 minPortfolio TalksEp 14 - Tax Tips for high income earning professionalsIn this episode of Portfolio Talks, Vishal , Mike & Tyson discuss tax planning strategies specifically for high-income earning professionals like doctors and business owners.
We cover various tactics to reduce tax bills as year-end approaches, the importance of strategic selling of investments, maintaining good bookkeeping, and making informed decisions about income withdrawal methods.
We also emphasize the significance of consulting financial advisers to tailor these strategies effectively to individual circumstances.
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Portfolio Planning & Home Happy Team 2024-12-2541 minPortfolio TalksEp 13 - The UNAIRED episode with Kalynka Ciejek and Dan Kyte*** This episode was never posted to our YouTube!***
We had two special guests! Kalynka Ciejek of the Home Happy Team and Dan Kyte of GiveWise Canada, one of Canada's best online Donor Advised Fund platforms!
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Givewise Canada2024-12-2549 minPortfolio TalksEp 12 - Life after Grad!! Dentists talk about their first year!In this episode of Portfolio Talks, Dr. Joslyn Dosanjh and Dr. Annika Koonar discuss their experiences transitioning from dental school at UBC to practicing dentists. They share insights about adulting, job searching, financial challenges, and the importance of workplace culture.
Both dentists reflect on their journeys, touching on key moments of stress, motivation, and what it really feels like to be a new graduate in the workforce.
Portfolio Planning & Home Happy Team 2024-12-2555 minPortfolio TalksEp 11 - From Middle Class to High Net WorthIn Episode 11 of Portfolio Talks, Vishal, Tyson & Mike discuss the journey from middle class to high net worth, emphasizing the importance of financial literacy and disciplined planning.
We review strategies for achieving financial success, touching on GICs and recent real estate policy changes in British Columbia which could affect rental incomes and property investments.
The discussion includes a focus on mentorship and systemic approaches to personal finance, reinforcing the notion that high net worth is a personally defined achievement rather than a one-size-fits-all label.
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2024-12-2544 minPortfolio TalksEp 10 Portfolio Talks LIVEIn this LIVE episode of Portfolio Talks, hosts Tyson Nagasaka, Vishal Gill and Mike Llyod discuss various financial topics, including the importance of planning, managing debt wisely, and understanding personal finances. They emphasize how often individuals get sidetracked by consumerism and provide insights into effective budgeting strategies. The episode also covers opportunities in real estate, the value of collaboration among financial professionals, and the impact of lifestyle choices on long-term financial health.
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Portfolio Planning & Home Happy team 2024-12-2543 minPortfolio TalksEp 9 Portfolio Talks - Day trading & Career SelectionIn this episode of Portfolio Talks, we join Mike and Tyson (they are mid discussion because Tyson forgot to hit record) as they delve into the world of career selection, the importance of mentorship, and the experiences of DIY investors. They discuss the emotional dynamics of day trading, the shift from passion to routine when turning hobbies into careers, and the vital role of networking in career success. They also touch upon generational business transitions and effective ways to navigate the changing real estate landscape.
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Portfolio Planning...2024-12-2539 minPortfolio TalksEp 8 Portfolio Talks special guest, Lawyer Aman OberoyIn Episode 8 of Portfolio Talks, hosted by Portfolio Planning Inc, Aman Oberoy from Alliance Lawyers discusses essential legal topics for professionals, including the importance of prenups, the necessity of maintaining a minute book, the benefits of incorporating, and the protection against liabilities through legal structures.
The episode emphasizes proactive legal planning to avoid costly legal issues in the future.
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Thank you to our special guest Aman Oberoy of Alliance Lawyers2024-12-2537 minPortfolio TalksEp 7 Portfolio Talks - The Client ExperienceIn this episode of Portfolio Talks, hosts Tyson, Vishal and Mike discuss the importance of quality customer service and its significant impact on client experiences. They share personal stories highlighting the failures of major corporations in providing effective customer service and suggest how businesses can improve. The conversation also touches on financial topics such as investment strategies, portfolio equality, and recent changes in mortgage policies.
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Portfolio Planning & Home Happy Team 2024-12-2539 minPortfolio TalksEp 6 Portfolio Talks - Post Summer Busy!In Episode 6 of Portfolio Talks, the Vishal, Tyson & Mike dive into the post-summer financial landscape, discussing the uptick in productivity, client meetings, and the importance of networking and processes in financial planning. They share insights from recent client interactions, including a charity founder working to enhance medical research and how they are addressing tax-related issues for international workers. The episode emphasizes the significance of systematic processes in scaling business, delivering honest financial advice, and preparing for economic challenges. The discussion continues with thoughts on the current economic situation in Canada, upcoming elections, and the necessity of annual client reviews.2024-12-2535 minPortfolio TalksEp 5 Portfolio Talks - Estate Planning & Charitable DonationsIn this episode of Portfolio Talks, the Vishal, Mike & Tyson discuss personal finance topics such as estate planning, the effects of divorce, job loss, illness, and aging on financial decisions.
They also share insights about reverse mortgages, charitable donations, and the impact of mental health on money management.
The discussion extends to the importance of community involvement through charity events, with a focus on their recent golf tournament supporting the Fraser Valley Healthcare Foundation. They emphasize the importance of financial planning and proactive discussions about money within families.
2024-12-2545 minPortfolio TalksEp 4 Portfolio Talks special guest Kalynka CiejekIn this episode of Portfolio Talks, the Tyson and Vishal discuss with our special guest, Kalinka Ciejek , the value of mentorship, collaboration, and the process of navigating the financial and emotional aspects of home ownership, emphasizing the importance of relationship-building in financial planning.
They also share personal stories about their experiences with mentorship and the joys of teamwork in their industry.
Need more info: Portfolio Planning & Home Happy Team 2024-12-2538 minPortfolio TalksEp 3 Portfolio Talks - Living Benefits Insurance & Reverse MortgagesIn this episode of 'Portfolio Talks,' Vishal Gill , Mike Llyod and Tyson Nagasaka discuss various business wins, the importance of critical illness and disability insurance, and the nuances of reverse mortgages.
The conversation highlights personal experiences about the summer slowdown in business, challenges of client communication regarding financial planning, and recommendations for effective financial strategies.
They emphasize the importance of understanding insurance products, their benefits, and long-term planning, as well as the value of having multiple experts for comprehensive financial guidance.
Need more info : Portfolioplanning.ca & Home Happy Team2024-12-2542 minPortfolio TalksEp 2 Portfolio TalksIn this second episode of 'Portfolio Talks,' hosts Tyson Nagasaka, Mike Lloyd and Vishal Gil discuss spending habits, investment strategies, and their recent experiences in both personal and professional realms. They explore the importance of financial education, the dynamics of client relationships in financial planning, and their assessment of current market investment opportunities, particularly in real estate and development. They're candid about their own spending behaviours while emphasizing the need to prioritize investments that will benefit clients in the long run.2024-12-2544 minPortfolio TalksEp 1 - Pilot EpisodeIn the first episode of Portfolio Talks, Tyson Nagasaka, Vishal Gill, and Mike Lloyd engage in a casual discussion about financial planning, investment strategies, and coping with market volatility. They emphasize the importance of having a diversified portfolio and a solid financial plan to navigate economic disruptions. The conversation also touches on the current stock market trends, including significant moves by influential figures like Warren Buffett, and the relevance of maintaining a balanced approach to investing and decision-making in uncertain times.2024-12-2530 min