Plain English Finance Podcast By Tré Bynoe CFP® CIM® cover art

Plain English Finance

Plain English Finance

By: Tré Bynoe CFP® CIM®
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The Plain English Finance podcast is hosted by Tré Bynoe CFP® CIM®, a financial planner with TCU Wealth Management and Aviso Wealth.


While Tré specializes in working with families with more complicated finances, typically involving corporations and trusts, this podcast is for anyone wanting to learn how to make high-quality decisions based on evidence, to give themselves the highest likelihood of financial success.


You should always consult with your financial, legal, and tax advisors before making changes.

This podcast is provided as a general source of information and should not be considered personal investment advice or solicitation to buy or sell any securities.

The views expressed are those of the individual and are not necessarily those of Aviso Financial Inc.

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.


© 2026 Plain English Finance
Economics Personal Finance
Episodes
  • Ep. 43 | Investment Location: The Tax Decision Most Investors Miss
    Mar 20 2026

    Most investors focus on what they invest in and ignore where they hold it. That mistake can quietly cost hundreds of thousands of dollars over time.

    In this episode, Tré Bynoe, CFP, CIM, explains investment location—how placing the right assets in the right accounts can matter more than fund selection or provider choice once your finances get complex. This is especially relevant for incorporated professionals and high earners using non-registered accounts.

    You’ll hear a real-world example showing how two identical portfolios can produce very different after-tax outcomes—purely based on structure.

    You’ll learn:

    • What investment location actually means (and why it’s often confused with allocation)
    • When asset location starts to matter
    • How taxes quietly erode returns in poorly structured portfolios
    • Why after-tax returns are the only returns that count
    • Who should care about this and who can safely ignore it (for now)

    🎧 Follow, review, and share the show if you value clear, logical financial decisions.

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    28 mins
  • Ep. 42 | Cash Flow, Step by Step: How the System Actually Works
    Mar 13 2026

    If cash flow still feels confusing, this episode fills in the gaps. Tré Bynoe, CFP, CIM, walks through his real-life cash flow system from January to December—account by account, decision by decision.

    This is a practical breakdown of how to separate spending from income, handle irregular pay, and avoid constant budgeting without losing control. It’s designed for people who want structure without spreadsheets taking over their lives. (Although there's nothing wrong with spreadsheets!)

    You’ll learn:

    • How to set up core accounts and what each one is for
    • Why annual costs matter more than monthly guessing
    • How groceries, eating out, and spending money actually work
    • What to do with bonuses, raises, and uneven income
    • How this system makes saving automatic and stress lower

    🎧 Follow, review, and share the show if you want money decisions to feel simpler.

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    41 mins
  • Ep. 41 | Index vs Factor vs Alpha: What Type of Investor Are You?
    Mar 6 2026

    Not all investing is created equal. In this episode, Tré Bynoe, CFP, CIM, unpacks the three core investment approaches—indexing, factor investing, and alpha strategies—and how to know which one fits you.

    Whether you're DIY or working with an advisor, understanding the difference can mean the difference between steady growth and unnecessary risk.

    You’ll learn:

    • What an index fund really is
    • How factor investing aims for better-than-market returns
    • Why most alpha strategies underperform over time
    • How to benchmark your portfolio the right way
    • Which strategy Tré actually uses and why

    🎧 Follow and share the podcast if you learned something.

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    28 mins
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