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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Is Rent To Own A Good Investment Strategy? with Donna Cook
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Let Us Know What You Thought Of The Episode In this episode of the Savvy Investor Podcast, we welcome Donna Cook. Donna is highly recognized in our real estate community for her extensive experience and knowledge in real estate investing, particularly in rent-to-own strategies. In this episode we discussed: - Introduction to Rent-to-Own Donna's Bac…
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Are You Missing These Crucial Tax Strategies for Your Retirement?
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In this episode, Samantha Nash draws parallels between preparing for a snowstorm and preparing for retirement, emphasizing the importance of planning to ensure your lifestyle, healthcare, and legacy are secure. She explains that without proper tax planning and doing nothing, you could lose 20 to 30% of your retirement savings in retirement. Samanth…
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Creating A Profitable Real Estate Investing Business with Robert Gauvreau
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Let Us Know What You Thought Of The Episode In this podcast episode podcast, we are joined by a remarkable guest, Robert Gauvreau from Gauvreau Accounting Tax Law and Advisory. As one of North America's leading CPA firms, Robert brings an unparalleled wealth of knowledge in business finance and tax planning. Key Topics Discussed: - Real Estate Inve…
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Will DOGE Cause Layoffs? What Federal Employees Need to Know
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Trump is set to begin his second term and many questions have been raised regarding the potential impacts of the new Department of Government Efficiency. In this episode, Ryan Herbert explores the anxieties federal employees face amid looming government layoffs and the importance of understanding their benefits. With insights into the complexities …
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Kickstart the Year 2025 with Melanie Robinson
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Let Us Know What You Thought Of The Episode In this episode we are joined with Melanie Robinson, our Savvy Investor Mindset Coach. With over 15 years of experience, Melanie has helped many individuals transform their lives through her unique approach to goal achievement and emotional connection. In this episode and to bring in the new year we talke…
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The 3 Things That Are Crucial to Understand When You Retire
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Transitioning into retirement can often bring a set of new financial challenges and opportunities. In this episode, Ryan Herbert highlights the significant role of understanding cost of living, housing, and taxes in retirement planning. As inflation and healthcare costs rise, it becomes imperative to have a robust plan that addresses these expenses…
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Preparing For A Successful Year Ahead
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Let Us Know What You Thought Of The Episode As we close out the year, it’s a great time to reflect, set priorities, and create a clear path for what’s next. In this Christmas episode of *The Savvy Investor Podcast*, Michael Ponte, founder of Savvy Investor, walks you through how to prepare for a strong start to the year. What’s covered in this epis…
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Will You Run Out of Money if You Retire Early? Consider These 3 Options
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Recent studies show that if you retire before 65, there’s a 45% chance of running out of money, largely due to the decline of employer pensions. Mike Canet addresses different income streams and what their potential benefits and pitfalls are, such as annuities, dividends, and preferred stocks. He also highlights things that are just as important to…
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Always Get Your Rent Paid.....Guaranteed! with Viler Lika
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Let Us Know What You Thought Of The Episode In this episode, host Michael welcomes Viler Lika from SingleKey to discuss rent collection and tenant management challenges faced by landlords, particularly in Ontario. Key Points - Introduction to Viler Lika & SingleKey - Viler Lika’s background as founder and CEO of SingleKey and the impact of COVID-19…
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What is the Santa Claus Rally? How to Navigate the Holiday Market Hype
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Ryan Herbert explains the concept of the Santa Claus rally, a phenomenon where stock markets typically see a rise during the end-of-year holiday season. However, he cautions against getting too excited about these short-term gains, especially for those managing significant investments. Ryan discusses the importance of having a solid, long-term fina…
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Is Now The Time To Develop Land? with Carina Guzman
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Let Us Know What You Thought Of The Episode In today’s episode, we are joined with Carina Guzman, known widely in the real estate investing space, particularly for her expertise in land development. Carina has been a prominent figure in the real estate industry for 15 years, specializing in land development. Based primarily in Ottawa and surroundin…
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Unlocking Tax-Free Wealth: The Power of Life Insurance
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Imagine growing your wealth tax-free and leaving a legacy for your loved ones. In this episode, Mike Canet delves into the benefits of using life insurance policies as a tax-efficient investment tool, contrasting it with traditional 401(k) plans. By investing in life insurance, you can potentially achieve a higher rate of return without the burden …
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Mistakes To Avoid When Investing In The US with Glenn Sutherland
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Let Us Know What You Thought Of The Episode In this episode we chat with Glen Sutherland, a Canadian investor who's been making waves by investing in the U.S. real estate market. Discover why many Canadians are looking south of the border for greener pastures and learn about Glenn's journey from Ontario to successful ventures across various U.S. st…
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The 4% Rule: Myth or Reality for Your Retirement?
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Ever wondered if the 4% rule is truly a reliable strategy for your retirement? In this episode, Mike & Ryan delve into the intricacies of this popular financial guideline and explore its real-world implications. Discover why sticking strictly to the 4% rule could lead to unexpected financial pitfalls, especially when factoring in additional expense…
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Getting Started With Land Development with Dale Degagne
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Let Us Know What You Thought Of The Episode In this episode, Michael Ponte sits down with Dale from Missing Middle Solutions, a real estate developer based in Victoria, British Columbia. Dale shares insights from his 20-year journey in real estate investing, focusing on land development and the creation of attainable housing solutions. Key Points D…
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The Yacht Rock Legacy: Doing What You Love in Retirement
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Are you ready to dive into the golden era of soft rock? In this episode, Mike and Ryan explore the enduring legacy of Yacht Rock, featuring timeless artists like Michael McDonald and the Doobie Brothers. Journey through anecdotes from backstage interviews and memorable concerts, as these musical legends continue to perform with passion and energy w…
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What To Do When Investments Go Wrong with Hussein Kudrati
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Let Us Know What You Thought Of The Episode On today's episode, we have Hussein Kudrati from HSK Law Firm, a seasoned lawyer and real estate investor licensed in California and Ontario. With nearly 10 years of experience, Hussein shares insights on corporate law, estate planning, and navigating the current turbulent real estate market. Key Discussi…
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What Federal Employees Need To Know Before Retiring
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Are federal employees working longer than they need to? Are they working for “free” and not realizing it? Katherine Groce and Sam Nash discuss the benefits federal workers need to understand when they are saving and planning for retirement. They also share a story regarding a husband that unknowingly left his wife unprotected when choosing between …
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Lessons From An International Investor with Pawel Blazejewicz
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Let Us Know What You Thought Of The Episode In this episode, Michael Ponte sits down with Pawel Blazejewicz, a real estate investor whose experience spans three countries. Pawel shares insights from his transition from Poland to Ireland, and finally to Canada, offering valuable lessons for aspiring international investors. Key Points Discussed: - P…
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Take Advantage of Roth Conversions While You Can
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Ryan discusses the current low tax rates due to the Trump tax cuts and the impending expiration of these rates. He emphasizes the importance of considering Roth conversions as a strategy to mitigate future tax liabilities. The discussion also highlights the necessity of having a tax plan in place for retirement, drawing comparisons to how wealthy i…
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On the Horizon: Bank Rules & Market Trends in Financing with Kyle Green
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Let Us Know What You Thought Of The Episode In today’s episode of The Savvy Investor Podcast, we explore the mortgage and investment market with Kyle Green, a mortgage broker and investor from Green Mortgages. Kyle offers timely insights and practical advice for new investors. Key Discussion Points: - Interest Rates Update: A look at recent rate cu…
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What The Wealthy Do Differently About Taxes
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Mike delves into the recent surge in Roth conversions, exploring the reasons behind this trend and the importance of tailored tax strategies. He emphasizes the need for effective tax planning, highlighting that it is not a one-time event but an ongoing process. The discussion also touches on the significance of understanding individual financial si…
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Making The Leap To Full Time Real Estate Investor with Adrian Pannozzo
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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 Adrian Pannozzo from Hamilton, a former police officer who successfully shifted gears to become a full time real estate investor and broker. Key Discussion Points: - Transitioning from a law enforcement career to full-time real estate investme…
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Being Prepared When Meeting a Financial Advisor
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Ryan provides insights into preparing for a first appointment, the importance of understanding the financial planning process, and the mindset needed for retirement planning. He also shares the significance of having a plan for life when entering retirement. Want to begin building your retirement plan? Schedule a call with us here: 📅 https://bit.ly…
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Is New Brunswick Still A Good Investment Market?
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Let Us Know What You Thought Of The Episode In this episode of the Savvy Investor podcast we're thrilled to welcome Sean Powers, a knowledgeable realtor and real estate investor from Moncton, New Brunswick, and one of our Trusted Partners here at Savvy Investor. Key Podcast Discussion Points: - Sean’s real estate background: Sean started his real e…
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Mike discusses the implications of more interest rate cuts by the Fed, the impact of upcoming elections on economic stability, and strategies for investing amidst market volatility. He highlights the importance of understanding the broader economic landscape and making informed financial decisions, particularly in light of potential chaos surroundi…
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Understanding The Secret Formula For Success with Sir Darren Jacklin
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Let Us Know What You Thought Of The Episode In this episode, we're joined by Sir Darren Jacklin, who shares his incredible journey from overcoming early life challenges to becoming a successful entrepreneur and philanthropist. Key Discussion Points: Overcoming Adversity: Darren talks about his struggles with learning disabilities and how he founded…
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Preparing for the Trump Tax Cuts to Expire
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Mike delves into the upcoming expiration of the Trump tax cuts and the implications for taxpayers, particularly regarding estate taxes and 401k contributions. He emphasizes the importance of proactive tax planning and the need for individuals to understand their financial situations to avoid significant tax burdens in the future. Mike highlights st…
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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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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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