Welcome to the Savvy Investor Podcast, where we provide practical insights on real estate investing, market trends, and expert tips from industry professionals. Whether you're just starting out or a seasoned investor, our show offers actionable advice to help guide you through the world of real estate investing with confidence. Tune in to elevate your investment knowledge and help you live a savvy life.
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Welcome to the Savvy Property Investors Show, a show about ascending the property industry through educated and wise investment decisions. Hosted each week, by Ms. Sapphire Gray, our show seeks to educate the newbie and season property investor, with insightful knowledge from top industry leaders and experts about the challenges and benefits of building a property business. Tune in each week to learn the different tips and techniques that experts apply to assist investors to get the best fin ...
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The podcast is dedicated to empowering you to invest in your family’s future through real estate investing. Listen in to learn about different strategies successful investors use to live their best lives. Whether you are starting out on your real estate wealth-building journey or a seasoned investor looking for the next unfair advantage, THIS is the show for you. Each conversation will help you be savvier when it comes to understanding how to leverage real estate to achieve your goals and li ...
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Why Calgary? Understanding Why It's The Hotest Market In Canada with Natasha Phipps
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Let Us Know What You Thought Of The Episode On today’s episode we have Natasha Phipps with us talking about Calgary's hot real estate scene. Natasha explains how Calgary has gone from being just another city to a place everyone's looking at for buying investment properties. She shares insights on how Calgary is doing new things, like working in tec…
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Navigating the Future of Social Security
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Ryan focuses on the future of Social Security, the potential for significant cuts in benefits, and the importance of having a solid retirement plan. He also discusses the political implications surrounding Social Security and emphasizes the need for individuals to take proactive steps in their financial planning, including the use of annuities to s…
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Play Bigger: Mindset To Growing A $150 Million Dollar Business with Markus Kaulius
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Let Us Know What You Thought Of The Episode In today’s episode of the Savvy Investor Podcast, we have Markus Kaulius, who takes us through his transformative journey from founding a health empire in his teen years to the nuances of entrepreneurism, mentorship, and work-life balance that characterize his success. Having built Magnum Nutraceuticals i…
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The Importance of Independent Fiduciary Advisors
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Ryan & Lawrence discuss their journeys to becoming financial advisors, sharing personal stories and insights into the importance of financial planning. Lawrence reflects on his background and motivation to help others, while Ryan shares his unexpected path from marine biology to finance. They emphasize the significance of choosing an independent an…
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Rent Reporting: Reduce Your Rental Income Delinquency with Zac Killam
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Let Us Know What You Thought Of The Episode In today’s episode of the Savvy Investor Podcast, we talk into the role of FrontLobby in transforming rental management. Our guest, Zach Killam, co-founder of FrontLobby and owner of approximately 500 rental units, joins us to discuss how reporting rent payments to credit bureaus can benefit both landlord…
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Ryan discusses the often-overlooked fees associated with 401k plans and provides actionable strategies for lowering these costs. He emphasizes the importance of understanding the fees you are paying, reviewing your investment options, and seeking independent financial advice to ensure you are not overpaying for your retirement savings. The conversa…
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Understanding The Edmonton Market Place: Which Investment Strategy Is Performing Best With James Knull
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Let Us Know What You Thought Of The Episode In today’s episode of the Savvy Investor podcast, we talk about the real estate market of Edmonton, Alberta. Our special guest, James Knull, joins us remotely from South Korea to share his dual insights as an experienced investor and realtor. Despite the time difference and the logistics of working abroad…
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Understanding Fees in Your 401(k) Plan
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Mike and Ryan discuss the fundamentals of 401(k) plans, emphasizing their importance in retirement planning. They explain how these employer-sponsored retirement accounts work, the significance of employer matching contributions, and the necessity of understanding fees and investment options. Want to begin building your retirement plan? Schedule a …
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Investing In US Multi Family Properties: What You Need To Know with Nate Atkins
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Let Us Know What You Thought Of The Episode In today’s episode of the Savvy Investor Podcast, we’re joined by Nate Atkins. Joining us remotely, Nate shares his wealth of experience from a successful career in real estate investing. In this episode we talk about: - Background and Transition into Real Estate: Nate shares his journey from initial inve…
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How to Successfully Diversify Your Real Estate Investing Portfolio with Philip Shearcroft
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Let Us Know What You Thought Of The Episode In this episode of the Savvy Investor podcast, we're joined by former student, mastermind member, and now trusted partner Philip Shearcroft. We discuss his journey from being an entrepreneur in the restaurant industry to becoming a seasoned investor in both Canada and the United States. Key Points Discuss…
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The Search for Guaranteed Income
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A recent study found that 1 in 5 Americans over 65 are still working, not because they want to, but because they have to. Mike and Ryan emphasize the importance of having a comprehensive retirement plan that provides the freedom to choose whether to continue working or not. They discuss the lack of proper advice and guidance that leads to people ru…
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Rent To Own Explained with Elizabeth Kelly
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Let Us Know What You Thought Of The Episode Elizabeth Kelly, a seasoned real estate investing coach, joins us to discuss the benefits and strategies of rent-to-own investments. She highlights how this approach can aid in property acquisition, appreciation, and help others achieve homeownership. Summary of Key Takeaways Discussed: - Elizabeth's jour…
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Why You Need A Tax Planner vs. A Tax Preparer
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Mike and Ryan highlight the benefits of tax planning, such as minimizing tax liabilities and maximizing personal wealth. They also explain the difference between a tax preparer and a tax planner, with the latter providing proactive advice and strategies to optimize tax outcomes. Want to begin building your retirement plan? Schedule a call with us h…
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Getting Started With Multi Family Investing - Krystal Kromm
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Let Us Know What You Thought Of The Episode In this week’s episode we welcome Krystal Kromm, a remarkable individual who transitioned from life as a full-time paramedic in Red Deer, Alberta, to a savvy real estate investor. Krystal's journey from attending the Elevate Masterclass to starting her journey in real estate is nothing short of inspiratio…
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Changes in Retirement Savings Rules to Know
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Mike discusses tax planning and retirement savings rules that have recently changed, including the elimination of required minimum distributions (RMDs) from Roth 401(k) plans and the reduction of penalties for missed RMDs. The discussion also touches on the importance of tax planning and maximizing the benefits of 401(k)s and IRAs. The conversation…
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Running Your Real Estate Investments As A Business
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Let Us Know What You Thought Of The Episode This week, we are excited to have Meghan Hubner, a seasoned real estate consultant, share her expertise on why and how to run your property investment portfolio like a well-oiled business machine. This episode is packed with actionable advice and transformative strategies that will set you on a path to su…
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The Role of Emotions in Investing and Retirement
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Ryan discusses how to navigate market volatility and protect your retirement savings. He emphasizes the importance of having a solid financial plan that includes income streams and protection against market downturns. Ryan also explains the role of emotions in investing and how having a plan can help minimize emotional reactions. The conversation t…
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Maximizing Your Rentals ROI Through Strategic Design
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Let Us Know What You Thought Of The Episode This week’s podcast features Erin and Heather from Pink Wall Designs, who specialize in hospitality interior design. This conversation is crucial for anyone involved in short-term rentals or looking to create spaces that stand out and attract guests. In this episode we talk about: - Erin and Heather share…
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Strategic Roth Conversions: Maximizing Tax Savings
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Ryan discusses the timing of doing a Roth conversion and explores the options of doing one during a market downturn. He highlights the potential tax savings that can be achieved through strategic Roth conversions. Want to begin building your retirement plan? Schedule a call with us here: 📅 https://bit.ly/3Rq2d9i Follow us for more helpful insights:…
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Getting Started With Self Storage - Kelly & Amber Gerein
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Let Us Know What You Thought Of The Episode In this episode of The Savvy Investor Podcast, we interview Kelly and Amber Gerein from Summit Investment Group. These former students of Savvy Investor, are relatively new in the real estate investing world but their drive to accomplish their investing goals is truly inspiring as they begin their journey…
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Saving for retirement is important, but it's crucial to consider the tax implications of required minimum distributions (RMDs). Many people are unaware that they must take money out of their retirement accounts at a certain age, regardless of whether they need it or not. This can result in a significant tax burden. Mike and Ryan discuss how financi…
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Garden Suites. What You Need To Know - Michael Emanuele
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Let Us Know What You Thought Of The Episode This episode of The Savvy Investor Podcast shines a spotlight on maximizing property value through smart rehab and renovation, including the strategic addition of garden suites. With an advanced diploma in Architectural Technology, a Certificate in Project Management, and over a decade of construction ind…
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Understanding Tax Loss Harvesting
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Ryan discusses the parts of a financial plan that need to have a mid-year checkup leading into retirement, including retirement contributions, asset allocations, tax loss harvesting, and estate planning. Want to begin building your retirement plan? Schedule a call with us here: 📅 https://bit.ly/3Rq2d9i Follow us for more helpful insights: 🖱️ Facebo…
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Building Your Real Estate Investing Brand with Jas Takhar
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Let Us Know What You Thought Of The Episode In today's episode of the Savvy Investor Podcast features the amazing Jas Takhar, a master of real estate insights and content creation. Jas shares his journey from simplifying complex real estate information to empowering and inspiring others through his dynamic approach to content creation and personal …
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Building Systems For Your Real Estate Investing Business with Nicole Fiore
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Let Us Know What You Thought Of The Episode Welcome to yet another Savvy Investor Podcast, where today’s guest is none other than Nicole Fiore, the co-founder of Coast to Coast Homes Canada and a key figure in the Elevate Mastermind group. Nicole, along with her husband Colin, has carved out a significant presence in the real estate investing lands…
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Why Canadians Should Consider Investing In the US - Erwin Szeto
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Let Us Know What You Thought Of The Episode Today, we're honored to interview Erwin Szeto, a renowned figure in the realm of real estate investing and the host behind The Truth About Real Estate Investing Podcast. In this episode, Erwin shares his extensive real estate investing experience, the evolution of his investing strategies, and his current…
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Tax Reducing Strategies for Real Estate Investors - George Dube
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Let Us Know What You Thought Of The Episode Welcome to the latest podcast of the Savvy Investor Podcast. In today's episode, we discuss real estate investing and effective tax planning with our guest, George Dube. George brings a wealth of knowledge from both his extensive career in accounting and as a seasoned real estate investor. Starting his ow…
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Striving For The 0% Tax Bracket
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Mike discusses the frustrations with RMDs and fees associated with retirement accounts, and why tax planning is important when building a retirement plan. Mike highlights why in-depth tax planning is necessary to potentially achieve a 0% tax bracket in retirement. Want to begin building your retirement plan? Schedule a call with us here: 📅 https://…
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Raising Money for Real Estate Investing with Ping Hsu
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Let Us Know What You Thought Of The Episode Today on the Savvy Investor podcast, we're excited to have Ping Hsu, a real estate investor and founder of Property Hustlers, share his journey and insights with us. Ping has a rich history in the real estate market, and after a recent six-week European trip where he managed to balance work and family tim…
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Mike dives into how required minimum distributions work and how they can possibly lead to higher tax brackets in retirement. He emphasizes the need to minimize taxes and create tax-efficient income streams. Mike also touches on the challenges of managing RMDs and the penalties for not taking out the correct amount. Want to begin building your retir…
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Being An Effective Real Estate Investor Entreprenuer - Victoria Cluney
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Let Us Know What You Thought Of The Episode Today, we're so excited to have Victoria Cluney of Cluney Co, on The Savvy Investor Podcast to chat with us about her journey as a real estate investor and her current focus of tiny homes and motel transformations investing. In this episode we discussed: Victoria's Backstory: From Ottawa to Nova Scotia, h…
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Tax Optimization And Income Maximization
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Mike and Ryan discuss the DOW Jones recently breaking the 40,000 mark and the impact of market fluctuations on retirement planning. They emphasize the importance of tax planning and taking control of tax bills during retirement. Mike and Ryan also cover strategies for minimizing tax liabilities and optimizing income from the sale of a business. Wan…
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Real Estate Investing Success: One Step At A Time with Brady McDonald
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Let Us Know What You Thought Of The Episode In this episode of the Savvy Investor Podcast, we sit down with Brady McDonald, a dynamic figure in the world of real estate investing and an inspirational ultra-marathon athlete. In this episode we discussed: Brady’s Background: Brady shares his journey from an early entrepreneur at age 11, to a utility …
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The Impact Of Government Spending On Taxes
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Mike and Ryan delve into the implications that government spending can have on your taxes, and the potential shock that may come when taxes increase after the Trump tax cuts expire. They also discuss the need for tax efficiency and the potential savings that could come from strategic financial planning in retirement. Want to begin building your ret…
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Finding Opportunities During Challenging Times with Zack Brittain
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Let Us Know What You Thought Of The Episode Welcome to another episode of the Savvy Investor Podcast! In this session, we're joined by the season realtor and investment expert Zack Brittain from Phipps Brittain Real Estate. With a rich background in real estate, especially in the multi-family sector, Zack shares his knowledge when it comes to the r…
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Alternative Options For Funding Long-Term Care
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Ryan Herbet discusses the potential impact of healthcare and long-term care expenses on retirement savings and the transfer of wealth to future generations. He highlights the need for tax planning and what the tax implications may be of passing wealth down to children. Ryan also explores alternative options for funding long-term care and the challe…
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Building Your Wealth Strategy with Lisa Elle
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Let Us Know What You Thought Of The Episode With over two decades of experience in wealth planning specifically tailored for real estate investors, Lisa Elle from Elements Financial Group, brings a wealth of knowledge that could be pivotal in enhancing your financial strategies. Lisa Elle is the founder of Ellements Financial Group, host of the Mon…
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Growth Mindset During Challenging Times with Melanie Robinson
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Let Us Know What You Thought Of The Episode The real estate market is known for its cyclical nature, often characterized by highs and lows that can test even the most seasoned investors. In a climate where uncertainty seems to be the only certainty, cultivating resilience becomes paramount. That's why we're excited to have Melanie Robinson join us …
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The Unpredictability Of The Stock Market
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Retirees are getting anxious about the unrest in the world, upcoming elections, and out-of-control government spending. Warren Buffett advises against making investment choices based on short-term headlines and instead focuses on predicting what will happen in the next 10 years. The stock market is unpredictable and reacts to various factors, makin…
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0 - 500 Units In 5 Years The Journey with Dr. Lindsey Duguet
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Let Us Know What You Thought Of The Episode In our latest episode of the Savvy Investor Podcast, we sit down with Dr. Lindsey Duguet from Pennsylvania. Dr. Lindsey Duguet is a practicing Emergency Medicine Physician and Geisinger Health System's Northeast Regional Emergency Medicine Medical Director. She began investing in real estate with her husb…
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Maximizing Retirement Income With Roth Conversions
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What are the tax consequences of working longer in retirement to gain more income? In this episode, Ryan discusses the impact of taxes on retirement income and the importance of tax planning. Also, Ryan explains how Roth conversions can be a valuable strategy to save on taxes in retirement. Want to learn more about tax planning and if Roth conversi…
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Protecting your Private Lend with Graham Barr & Brandon Hans
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Let Us Know What You Thought Of The Episode In this episode, we dive into the world of private lending with our esteemed guests and go to lawyers from Barr LLP, Brandon K. Hans and Graham A.B. Barr. Private lending has become a very popular investing strategy for those looking to be more passive investors. Unfortunately, as of late we've been seein…
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Overcoming the Fear of Being Visible with Kyle Guthro
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Let Us Know What You Thought Of The Episode In this week’s episode of The Savvy Investor Podcast, we dive deep into the world of real estate investment and personal development with none other than Kyle Guthro – a master public speaker, renowned for his unparalleled expertise in enhancing revenue through innovative sales and communication tactics. …
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Misconceptions About Your 401k In Retirement Planning
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Having a 401k does not automatically mean you have a substantial retirement fund. While a 401k is a tool to save money for retirement, it doesn't guarantee a successful income plan. In this episode, Mike and Ryan explain why people may lack the necessary knowledge and guidance to make informed decisions about their 401k, and discuss the important t…
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How To BRRRR Multi Family Properties with Mayu Thava
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Let Us Know What You Thought Of The Episode In this week's episode, we have Mayu Thava, a driven individual with a passion for real estate, mortgages, and personal finance, which has shaped a remarkable real estate investing journey. As a CA and CPA, Mayu initially immersed themselves in the world of Accounting. However, deep down, his focus was wa…
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How Tax Friendly Is Maryland For Retirees?
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Tax planning is a crucial aspect of financial planning, as taxes may significantly impact retirement savings. In this episode, Ryan Herbert tells us where Maryland stands compared to other states regarding tax rates. Learn about how where you live can affect your overall retirement plan and the importance of properly preparing a tax strategy. Want …
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Multifamily Due Diligence with Kyle Agro
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Let Us Know What You Thought Of The Episode In this compelling episode of our podcast, we had the pleasure of speaking with Kyle Agro, the Associate Vice-President at Equiton, a leading Canadian private equity firm known for its exceptional investment returns. We discussed a variety of topics, including: Kyle's extensive experience and the strategi…
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Understanding The Tax Implications Of Annuities
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Diversifying tax buckets is important when minimizing tax implications. A plan that considers the lowest tax bracket today and throughout retirement is essential to understand when aiming for tax efficiency. In this episode, Mike and Ryan break down how different investments such as annuities have varying tax implications, and why preserving and pr…
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The Infinite Banking Strategy Explained with Darren Mitchell & Christina Wyatt
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Let Us Know What You Thought Of The Episode In this episode we are back with Darren Mitchell and Christina Wyatt. Together with their team of Wealth Coaches from Control and Compound Financial, specialize in assisting Canadian real estate investors and business owners across the country in integrating the Infinite Banking Concept (also known as Hig…
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Don't Pay Taxes That Aren't Necessary
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Taxes are unfair. That’s what Ron Swanson of “Parks and Rec” taught a young student by eating most of her lunch. On this episode, Mike expresses the frustrations he has with lazy CPAs that are costing the taxpayer money they legally aren’t obligated to pay. Plus, hear about how proper tax planning may result in a lower tax bill and how those saving…
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