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© Copyright 2025 Jalal Midani, Amy Dietz, Sean Durkin
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Life. Money. Action
Welcome to Small Change, Big Gains
The podcast where we explore how small, intentional decisions can lead to major results in your financial life and personal growth. Whether you’re looking to invest smarter, develop better habits, or simply find balance, we’ll learn together how minor shifts can make a big impact. Join us as we unravel experiences, explore practical tips, and hear inspiring stories
Let’s make it happen, one small change at a time towards Big Gains
Both from humble beginnings, Sean and Amy have built a successful, industry leading wealth management and financial advisory practice. From a town of no more than 1500 in Ontario, Amy has been featured on BNN Bloomberg and is an impactful mentor in Women in Capital Markets. After finding success with Campbell’s Soup, Sean took his career to the next level by getting into the investment world and quickly rose to become an effective & favourite investment manager.
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The information contained herein has been prepared by Amy Dietz and/or Sean Durkin, Wealth Advisors at NBF. The opinions expressed do not necessarily reflect those of NBF.
The opinions, endorsements, and recommendations expressed in my profile do not necessarily reflect those of National Bank Financial. This site and electronic communications will be monitored by National Bank Financial for compliance purposes.
National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).
The particulars contained herein were obtained from sources we believe to be reliable, but are not guaranteed by us and may be incomplete. The opinions expressed are based upon our analysis and interpretation of these particulars and are not to be construed as a solicitation or offer to buy or sell the securities mentioned herein. The opinions expressed do not necessarily reflect those of NBF.
Welcome to Small Change, Big Gains
The podcast where we explore how small, intentional decisions can lead to major results in your financial life and personal growth. Whether you’re looking to invest smarter, develop better habits, or simply find balance, we’ll learn together how minor shifts can make a big impact. Join us as we unravel experiences, explore practical tips, and hear inspiring stories
Let’s make it happen, one small change at a time towards Big Gains
Both from humble beginnings, Sean and Amy have built a successful, industry leading wealth management and financial advisory practice. From a town of no more than 1500 in Ontario, Amy has been featured on BNN Bloomberg and is an impactful mentor in Women in Capital Markets. After finding success with Campbell’s Soup, Sean took his career to the next level by getting into the investment world and quickly rose to become an effective & favourite investment manager.
*************
The information contained herein has been prepared by Amy Dietz and/or Sean Durkin, Wealth Advisors at NBF. The opinions expressed do not necessarily reflect those of NBF.
The opinions, endorsements, and recommendations expressed in my profile do not necessarily reflect those of National Bank Financial. This site and electronic communications will be monitored by National Bank Financial for compliance purposes.
National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).
The particulars contained herein were obtained from sources we believe to be reliable, but are not guaranteed by us and may be incomplete. The opinions expressed are based upon our analysis and interpretation of these particulars and are not to be construed as a solicitation or offer to buy or sell the securities mentioned herein. The opinions expressed do not necessarily reflect those of NBF.
77 Episodes
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*****National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).I have prepared this report to the best of my judgment and professional experience to give you my thoughts on various financial aspects and considerations. The opinions expressed represent solely my informed opinions and may not reflect the views of NBF.The opinions, endorsements, and recommendations expressed in my profile do not necessarily reflect those of National Bank Financial. This site and electronic communications will be monitored by National Bank Financial for compliance purposes.
We sat with Jessica Elie to discuss the concepts of equal vs. fair when doing your estate planning. Often, the way we divide up our assets for our beneficiaries may be equal, but not fair due to different family & economic structures or situations of the beneficiaries. Many families have children that are probably more successful than other children in the same family. Punishing those successful kids for their success (by limiting how much or what they inherit) may be problematic when it comes to inheriting assets. Tune in to listen how Jessica Elie suggests you approach this very common scenario with compassion, care, & fairness. *****National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).I have prepared this report to the best of my judgment and professional experience to give you my thoughts on various financial aspects and considerations. The opinions expressed represent solely my informed opinions and may not reflect the views of NBF.The opinions, endorsements, and recommendations expressed in my profile do not necessarily reflect those of National Bank Financial. This site and electronic communications will be monitored by National Bank Financial for compliance purposes.
We sat with Managing Director, Maxim Sytchev of National Bank Capital Markets, to chat about the Canadian Industrial sector and how the companies that make up this group are doing in light of everything happening in 2025 and beyond. The securities or sectors mentioned in this episode are not suitable for all types of investors and should not be considered as recommendations. Please consult your Wealth Advisor to verify whether the security or sector is suitable for you and to obtain complete information, including the main risk factors. Some of the securities or sectors mentioned may not be followed by the analysts of NBF.National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).I have prepared this report to the best of my judgment and professional experience to give you my thoughts on various financial aspects and considerations. The opinions expressed represent solely my informed opinions and may not reflect the views of NBF.The opinions, endorsements, and recommendations expressed in my profile do not necessarily reflect those of National Bank Financial. This site and electronic communications will be monitored by National Bank Financial for compliance purposes.
In this episode- we talk about the difference in mandates between the two central banks and how this crucial difference affects the economy & investors.
Things to know before downsizing your home. Downsizing your home to save money and simplify your life? This podcast is for you....Things you wish you'd known before downsizing. - it will probably cost you more than you anticipated- you may need new furniture, new art, and there may be fees that you haven't considered? -you may not get the location you always wanted-plan as early as possible- 5 years before pulling the trigger is ideal -speak to a professional or advisor when thinking about downsizing
Do not go buy a Lambo first thing...
Don't let market chaos or political drama derail your investments! Learn why staying calm and thinking long-term is key to financial success in volatile times. Tune in for expert tips to keep your money rational and thrive! 📈💡 #investingtips #podcast#marketvolatility#staycalm
Sean, Amy, & Jalal discuss why many of us are not happy in our so-called "golden years" & what the top regrets are for retirees: 1) Not structuring your money to make you more money2) Not having a supportive social circle 3) Forgetting to dream 4) Retiring too early 5) Not keeping up with your hobbies They also discuss why the thought of going to the beach everyday, or travelling all the time, or spending our days golfing is not realistic and can get boring VERY fast. We're still human and we still require purpose. Diversifying our time is key to a happy retirement.
📢 Had a great chat with Martin Lefebvre, Chief Investment Officer of National Bank Investments here at National Bank of Canada about the current market environment and what it means for Canadian investors and the public. Amongst the many things we discussed, we focused on questions that many of us are asking 🧐 1️⃣ Given the economic and political environment in the US, how do you see things playing out for Canadian investors 🇨🇦📊? 2️⃣How can investors be proactive in navigating the market turbulence we've seen in the last few weeks and in the coming weeks💡? Spoiler Alert…his words of wisdom were 💬…"this is not time to be a hero"- loved that 🚀⚖️.
Are trusts and family trusts beneficial? What are the different corporate structures? Let's Dig In...We all love tax right? RIGHT???💡Easily one of my favourite recordings to date. Along with Jalal Midani & Ali Spinner of Crowe Soberman, I had a great discussion on the importance of correctly setting up a corporate structure if you're a business owner. However you choose, it will have a profound impact on your tax obligations, operational efficiency, and overall success📝. We learned a TON 🧠. Key takeaways were 🗝️: - As a business owner, ask yourself, did you set up your business for a future-sale? Or for income? 🔄 - For optimal sale-value & after-tax proceeds- 2 years of planning is a minimum for setting yourself up for greater success 📈 - It doesn't matter much if you pay yourself a salary or a dividend (up to a specific amount) 🛡️ - The use of trusts and holding companies can be VERY beneficial for certain goals and in certain contexts- check out if it suits you 💼If you're a business owner- I don’t say this lightly, you may find this chat beneficialAsk your advisor to learn more.
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On this episode of Small Change Big Gains, we're diving into President Trump's proposed tariffs on Canada and what it means for investors. Tune in now for the breakdown 🎙️📈
Our latest episode with Naren Balakrishnan at Doane Grant Thornton LLC talks about the SR&ED (Scientific Research and Experimental Development) program- highlighting key points business owners will find helpful! 📝There have been some recent updates to the program- did you know that capital expenditures are now eligible again? 🌟 🗝️Key takeaways:1️⃣If you are working on a problem in which there is no obvious solution, it's probably SR&ED eligible. 2️⃣It's not just for tech or startups; even very large established non-tech companies in Canada benefit from SR&ED.3️⃣Thorough documentation and records are crucial for a successful claim.4️⃣Claim substantial SR&ED credits annually with eligible work and expenditures.5️⃣Consult an advisor- filing SR&ED with your corporate tax is ideal.
No one gets into their car anticipating a car accident….yet we still buy insurance to protect ourselves…and to obey the law ofcourse :D No one moves in with their partner anticipating a break-up….(almost no one)…..so why don't we talk about financial protection enough? A fantastic discussion with Alex and Jalal on the importance of cohabitation agreements. 🏡 If you're thinking about moving in with your partner, a cohabitation agreement is key to ensuring both parties are protected.
15M Canadians do not have a will. Estate planning isn’t just about passing on wealth—it’s about preserving your family’s legacy and avoiding costly disputes. In this episode, we dive into why it’s crucial to plan your estate well in advance to ensure happy inheritors and a smooth transition of assets.Learn how proactive planning can keep your family out of court, reduce litigation costs, and strengthen family bonds for generations to come. Whether you’re just starting or refining your estate strategy, this conversation offers valuable insights to protect what matters most.🎙️ Don’t miss this essential discussion—hit play now!#EstatePlanning #FamilyLegacy #HappyInheritors #WealthManagement #FinancialPlanning**********The opinions, endorsements, and recommendations expressed in my profile do not necessarily reflect those of National Bank Financial. This site and electronic communications will be monitored by National Bank Financial for compliance purposes. National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). The information contained herein has been prepared by Amy Dietz and/or Sean Durkin, Wealth Advisors at NBF. The opinions expressed do not necessarily reflect those of NBF.The particulars contained herein were obtained from sources we believe to be reliable, but are not guaranteed by us and may be incomplete. The opinions expressed are based upon our analysis and interpretation of these particulars and are not to be construed as a solicitation or offer to buy or sell the securities mentioned herein. The opinions expressed do not necessarily reflect those of NBF.
In this special New Year’s episode, we kick off 2025 with a look at what Canadians can expect in the year ahead. From economic updates to key trends and insights, we cover everything you need to know to start the year informed and inspired.Don’t forget to like, subscribe, and let us know your thoughts in the comments below. Here’s to a fantastic 2025! 🍁#HappyNewYear #Podcast
🎄The holidays are a great time for fun & laughter……It’s also a great time for paying close attention to our aging loved ones during our visits…. 🎅✨It’s a unique opportunity to listen, observe, and ensure their well being…. 🩺Beyond the laughter, joy, & shared meals…- 🕵️♀️Pay close attention to changes in diet, hygiene, social interactions, and mental health - 💬Recognize these clues, and start a semi-structured conversation maybe a little down the road- ❤️Approach any dialogue with empathy and understanding- that can make all the difference. The goal is to ensure our loved ones receive the support they need, and that they feel valued and heard in the process #SeniorCare #AgingParents #HolidayCare #FamilyFirst #EmpathyInAction #Caregiving #AgingWithDignity #ElderCare
🎄 Annual Holiday Episode Alert! 🎁It's that time of year again—our 2024 edition of "Last Minute Gifts for the Holidays" is here! Let's show some love to local and small Canadian businesses this season. We've curated a list of our top picks and shared a bit about what makes each one special.#SupportLocal #ShopSmall #CanadianBusinesses #HolidayGifts #2024Holidays
When is a good time to sell your business? 📆That is the million-dollar question (no pun intended) 🧐Jalal and I recently sat with April Harbottle of Transition Architects to discuss M&A trends and high-level points regarding selling a business. The chat was as fun and engaging as it was insightful 🤯. Our top 3 takeaways: 1- The best time to sell is when things are going well 💥. Not when things are bad. If you see negatives coming, chances are a buyer does too. 2- Sales numbers are great. But keep your eyes on the profits as well. It’s the bottom line that appeals to buyers more 📈3-The most successful transitions are those planned early. 🙇♀️#m&a #mergersandacquisitions #exitstrategy #businessowner #businesstransition #success #entrepreneur #businesstrends
Is innovation found in other sectors apart from tech? Admittedly, I was guilty of correlating innovation to just the tech sector- it certainly seems that way sometimes. But I recently learned that innovation isn’t just in tech. In our latest episode, Jalal and I had the fortune of chatting with Manish Goyal of JP Morgan and exploring how innovation is just as solid and thriving beyond the tech sector. Our top 3 take-aways from the discussion: 1) Look beyond tech- disruptive and game-changing initiatives are happening in healthcare, finance, industrials, and others. 2) R&D investing is a major contributor to innovation. Companies that invest in R&D to commercialize offerings will remain at the forefront. 3) Whenever a major advancement occurs, new winners and losers are created. Companies investing in creating an ecosystem of diverse, yet related, offerings can weather harsher storms. #finance #innovation #investing
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