Episodes

We buy everything else on sale, but with stocks we do the opposite? In this episode, Colin and Greg talk with Mark Eibel about the strange way human behaviour shows up around money. The market rises more than 70% of the time, yet fear in the 30% often pushes people out at exactly the wrong moment. It is one of the few areas of life where people get more interested as prices rise and more nervous as prices fall, even though history shows that downturns are usually shorter than they feel.

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Most clients don’t actually want a stock tip. They want reassurance, they want clarity. They want to know, “will I be okay?” This week, Colin and Greg explore the emotional side of money with financial therapist Ashley Quamme as they unpack the real drivers behind our financial behaviour. The beliefs we inherit, the patterns we repeat, and the questions we are truly asking when we think we are asking about markets. 🎧 A powerful conversation for anyone curious about why they think, feel, and b...

🏡 Have a kid who’ll buy their first home one day? The First Home Savings Account (FHSA), part RRSP, part TFSA, all opportunity. In this week's episode of the Free Lunch Podcast, Colin and Greg explain how the FHSA works, the benefits and the deadline you can't afford to miss. They explain why making a small contribution before year-end could mean more room and more opportunity down the road.

In 2008, one client went all in on silver. Convinced inflation would soar, governments would lose control, and precious metals were the only safe bet, he put everything into silver. And technically, he was right. It hit $50 an ounce… 17 years later. On this week’s Free Lunch Podcast, Colin and Greg revisit that story to explore what it teaches about timing, behaviour, and the bigger truth: time in the market beats timing the market every time.

If the Canada Pension Plan were a mutual fund, would you still buy it? 🤔 Greg and Colin dig into the real costs behind Canada’s national pension, how it stacks up against low-fee investing, and what it teaches us about simplicity, transparency, and discipline in your own portfolio. It sounds cheap at 0.26%, but that’s just the tip of a $7 billion iceberg once you factor in performance fees, transaction costs, and operating expenses.

What are smart investors doing right now? According to Greg and Colin on this week of the Free Lunch Podcast they are: staying diversified, staying disciplined, and staying calm. They unpack how to think about: 💰 Bonds & cash in your portfolio. 🏠 Mortgage renewals & rate holds. 🧾 End-of-year tax moves. 😴 Retirement “sleep-at-night” planning.

Jonathan’s style was to blend practical financial advice with human behaviour and life lessons. This week, Colin and Greg reflect on the life and legacy of Jonathan Clements, the longtime Wall Street Journal columnist whose insights helped redefine how we think about money, happiness, and simplicity. Jonathan’s approach really aligns with what we try to do here, cutting through the noise, finding clarity in uncertainty, and reminding people that even if the market’s at an all-time high… so is m...

AI was everywhere at Future Proof Festival. From Google searches to client service, every conversation circled back to how artificial intelligence is reshaping the industry. On this week’s episode of the Free Lunch Podcast, Colin and Greg reflect on Colin’s time at Future Proof, and why, despite AI’s power, nothing can replace human trust and behavioural coaching. 🎧 A must-listen for anyone curious about what AI means for the future of advice.

🎓💰 Sending kids off to college or university? The sticker shock is real. Tuition, books, housing, can quickly add up to $20,000+ per year. In this week’s episode, Colin and Greg break down the real costs of post-secondary education and explore smart ways to fund it, including: ✅ Student loans, grants & bursaries ✅ RESPs (and how to make the most of government grants) ✅ What happens if your child doesn’t go to school ✅ Why TFSAs can be a hidden funding tool

True or False: ❓ Diversification increases expected stock returns. ❓ Owning Canadian banks, pipelines, and utilities is enough diversification. ❓ Most active fund managers outperform their benchmarks over time. If you hesitated on any of these, this week’s episode is for you. Colin and Greg break down why diversification is really about protecting against risk, how home bias trips Canadians up, and why global exposure makes all the difference.

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Tariffs go up. Inflation lingers. Politics heat up. And the cost of everyday life feels it. On this episode of the Free Lunch Podcast, Colin and Greg explore how U.S. policy shifts ripple through interest rates, inflation, and portfolios around the world. They discuss... 🌎💼 ✔️ The hidden inflation driver no one talks about. ✔️ Why Fed decisions matter beyond the U.S. ✔️ How to position portfolios when volatility returns. 🎧 A must-listen for anyone trying to make sense of today’s economic hea...

Is one will enough if you own property in more than one province? This week on the Free Lunch Podcast, Canvas Wealth sits down with Jonathan Ng to unpack the complexities of wills, probate, and property across provinces (and even outside of Canada). From cabins in B.C. to bank accounts in Ontario, they explore what executors and families need to know, and when a “skeleton key” will is enough, or when a second will might save time, money, and stress. 🎧 This episode is a must-listen for anyone c...

Money isn’t just math. It’s feelings. In this episode of the Free Lunch Podcast, Greg and Colin sit down with special guest Carl Richards, author, and creator of The Behavior Gap, to talk about his new book Your Money. They explore why financial planning is less about spreadsheets and more about meaning, values, and the conversations we have never been taught to have. 🎧 If money conversations have ever left you feeling stressed, uncertain, or even frustrated, this episode is for you.

Most people have never heard of an IPP. But for incorporated business owners, it can be one of the most effective ways to build retirement wealth. In this episode of the Free Lunch Podcast, Canvas Wealth welcomes Tatenda Maywoyo of GBL Inc., to explain what IPPs are, who they’re for, and why they’re a hidden gem in Canadian retirement planning. 🎧 If you’ve ever wondered whether an IPP could work for you, this episode explains it all.

If you had $1 million, what would you actually do with it? Would you buy a house? Travel the world? Or maybe just stock up on Kraft Dinner like the Barenaked Ladies sing about? In this episode of the Free Lunch Podcast, Canvas Wealth explores the playful lyrics of If I Had $1,000,000 alongside the deep insights from Dr. Daniel Crosby’s book The Soul of Wealth. They unpack the four core purposes of money: 1️⃣ safety, 2️⃣ autonomy, 3️⃣ mastery, and 4️⃣ purpose.

What happens when classroom theory meets the reality of working in finance? In this special episode, Canvas sits down with Jacob and special guest Èmile, two finance students balancing bartending, trading, and navigating their first steps into the industry. They talk markets, mentorship, behavioural bias, bonds (yes, bonds), and the biggest surprises that come with going from spreadsheets to real people and real portfolios. 🎧 Whether you're seasoned or just starting out, this one’s a candid, e...

Advisors once lived by the phone, a notepad, and a stack of prospecting lists. Now? AI, CRM systems, and customized pools are shaping the way advice is delivered, and relationships are built. This week, Colin continues his conversation with Greg Kraminsky in part two of their reflection on 30+ years of change in the investment world. They unpack the real evolution: not just in products and technology, but in purpose, relationships, and trust. 🎧 From regulatory shifts and tech revolutions to th...

“We got to revisit what works and what doesn't work... and we came up with a solution in 2009 that we still follow today” – Greg Kraminsky This week, Colin sits down with Greg to revisit what the world of advice looked like in the 90s and how it has evolved over the past three decades. From the days of paper forms and product pitches to purpose-driven conversations and personalized planning, it’s a look at how far the profession and expectations have come.

Ever feel like your money decisions are on a hype cycle? This week, Colin and Karyn share 12 steps to help cut through the noise and bring some calmness back into your financial mindset. From tuning out market headlines to trusting your process, they explore what has helped people stay on track, and what creates distraction. 🎧If you’ve ever wondered whether “timing the market” is a real thing (spoiler: it's not), or why some approaches just feel safer, this one’s worth a listen.

What do baseball, patience, and a big annual payday have in common? Colin and Greg break down the story of Bobby Bonilla, a retired MLB player who still collects a cheque every July 1st thanks to one clever contract that turned into decades of steady income. They unpack why consistency and patience often outperform perfect timing, and how you can apply these lessons to your own financial plans.

In this episode, Colin and Steve sit down with longtime friend and former partner Greg Kraminsky to reflect on their transition to independence, why they made the move, how it's going, and what it’s meant for the people they work with. They share what it’s like to step away from the familiar and what they have gained in the process.

𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗶𝘀 𝗼𝗻𝗲 𝘁𝗵𝗶𝗻𝗴. 𝗟𝗶𝘃𝗶𝗻𝗴 𝗶𝘁 𝗶𝘀 𝗮𝗻𝗼𝘁𝗵𝗲𝗿. Colin sits down with Greg Kraminsky, longtime advisor, recent retiree, and returning voice to the podcast, to talk about the shift from planning retirement for clients… to living it himself. From navigating long, unstructured days, to finding purpose beyond work, and to why financial peace of mind isn’t the only thing that matters, this episode is full of real talk on what retirement actually looks like. Whether you're already retired or...