Choosing a financial planner shouldn’t feel like throwing darts at a board and hoping for a bullseye. In this episode, Tré breaks down how to find an advisor who actually fits your needs, not just someone with a title and a sales target. He explains why CFP certification is the minimum standard, why insurance-only licensing is a red flag, and why your stage of life or business matters more than most people realize.

You’ll hear how to vet an advisor properly, what questions to ask before sharing your financial details, and why the best planner for you is usually someone who already works with people in a situation like yours. This episode is especially useful for Canadian professionals, business owners, and anyone serious about making smarter financial decisions.

What listeners will learn

• Why CFP credentials should be the baseline
• How to spot red flags in financial advice
• Which type of planner fits your stage of life or business
• What questions to ask in an advisor interview
• Why investment philosophy and values matter
• How to avoid becoming the wrong-fit client

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Can you stomach market drops? Most investors say they can handle them, but that confidence usually disappears when the portfolio actually falls.

In this episode, Tré Bynoe explains the idea of a retirement “war chest” — also called a cash wedge — and why it can help people stay invested when markets get ugly. He breaks down the tradeoff clearly: holding cash may lower long-term returns, but it can also buy time, reduce panic, and make a good investment plan easier to stick with.

Tré also explains why this decision should be based on time, not portfolio percentage, why cashflow management matters so much, and how retirees can build a plan for bad markets before they happen.

This episode is for Canadians who want a more resilient retirement plan without pretending market crashes will not happen.

What listeners will learn

• What a retirement war chest or cash wedge is
• Why market crashes require a plan, not hope
• Why the right cash amount is based on time, not percentages
• How cashflow management helps determine the size of the war chest
• Why peace of mind can matter more than technical optimization
• How to think about safe assets in retirement

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AI is driving markets, headlines, and a lot of investor anxiety. In this episode, Tré and Sierra talk through why the U.S. stock market looks so expensive right now, what investors may be missing about AI valuations, and why this trend could be far bigger than most people think.

Tré explains why he believes the real race is not just to build better chat tools, but to build systems that could transform productivity, labour, and the economy at a massive scale. He also breaks down the practical takeaway: if AI changes the value of human work, owning assets may matter even more than it already does.

This episode is for Canadians who want a clearer way to think about AI, investing, and the future of wealth building.

What listeners will learn

• Why AI is affecting stock market valuations
• Why being invested already gives you some AI exposure
• How Tré thinks about AI risk versus AI opportunity
• Why ownership may matter more in an AI-driven economy
• What AI could mean for jobs, productivity, and wealth gaps

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