FinancialPodcast.CA: Interviewing Professionals

1) Succession Planning Defined. 2) Beginning Your Succession Plan. 3) Sole Proprietorships and Partnerships. 4) Common Exit Strategies for a CCPC. 5) Funding Strategies. 6) Estate Freezes. 7) Capital Gains Exemption. Guest: Irfanali Moledina Irfanali started his accounting practice in 2011 after completing his designation with Deloitte. As an entrepreneur at heart he feels the foundation of a strong business lies in its numbers and that is what drove him to accounting. His passion has allowed him to scale his firm, RMI Professional Corporation to a team of over 25 staff and servicing over 1500 clients annually. He has extensive knowledge in small business accounting working with various corporations and individuals including some financial advisors. Irfanali tries to live a balanced life as he is a proud husband and father of two, in his spare time he enjoys all things business and sports, mainly hockey. Irfanali Moledina Managing Partner RMI Professional Corporation 203 - 2916 19th St. NE Calgary, AB T2E 6Y9 Phone: (403) 457-4232 Email: info@rmiassociates.com Website: www.accountantscalgary.com

1) Primary Retirement Goals. 2) When to Begin CPP. 3) RRSP vs TFSA. 4) Pension Credit. 5) Age Credit. 6) Medical Expense Tax Credit. 7) Disability Tax Credit. 8) Individual Pension Plans. Guest: Lesley Bloxham Lesley has over 28 years of combined experience working in public practice and industry. Her passions are accounting, taxes, planning, and consultation. She loves working with corporate clients who are in start-up, growth, maintain or wind-up stages to ensure the business is meeting the shareholder’s goals, financial reporting requirements, government obligations, and getting things done right. She also enjoys getting personal and business clients back on track to ensure all CRA tax filings are up-to-date and compliant. Lesley is taking professional development courses in international tax and works with international non-resident clients who have Canadian investments/property or Canadian resident clients who own foreign investments/property. Educating, training, and consulting clients on “best practices” in techniques, developing processes, and financial monitoring are all very important, especially for the follow-through of the strategic plans for taxes, retirement, Estate and future. The rewards are seeing client’s dreams, goals, and commitments come true. Contact: Lesley Bloxham L Bloxham Professional Corporation 403-275-6651 Email: lesley@lbpccpa.ca

1) Learn About Your Clients. 2) Learn from the Best in the Business. 3) Believe in Yourself. 4) Take a No and Turn it into a Yes. 5) See People See People See People. Guest:  Joel Cadesky With more than 40 years of experience providing benefits and life insurance advice, Joel is known across the industry for his professionalism, passion and dedication to his valued clients. Joel started off his career teaching grade 7 & 8 before being drawn into the world of insurance, with his first role in 1978 with Crown Life. While he specializes in life and group insurance, Joel is also licensed and knowledgeable in property and casualty insurance and is RIBO licensed. Over the years, the line between “friend” and “client” has become blurred for Joel, due to the bonds that are created with many of his clients. He continues provide the highest level of service to his clients, always sharing his extensive knowledge with his warm and friendly smile. Outside of work, Joel has been an avid professional wrestling fan, as well as a passionate sports fan with a strong allegiance to the Detroit Red Wings. Joel prides himself on a strong sense of family and community and is always happy to talk politics, wrestling…or insurance! Contact: joel@scinsurance.ca LinkedIn

1) The Importance of Discipline; 2) A 40 Year Journey Begins; 3) Finding Inspiration; 4) Handling Adversity; 5) Being a Leader; 6) How to Value Clients. Guest:  Joel Cadesky With more than 40 years of experience providing benefits and life insurance advice, Joel is known across the industry for his professionalism, passion and dedication to his valued clients. Joel started off his career teaching grade 7 & 8 before being drawn into the world of insurance, with his first role in 1978 with Crown Life. While he specializes in life and group insurance, Joel is also licensed and knowledgeable in property and casualty insurance and is RIBO licensed. Over the years, the line between “friend” and “client” has become blurred for Joel, due to the bonds that are created with many of his clients. He continues provide the highest level of service to his clients, always sharing his extensive knowledge with his warm and friendly smile. Outside of work, Joel has been an avid professional wrestling fan, as well as a passionate sports fan with a strong allegiance to the Detroit Red Wings. Joel prides himself on a strong sense of family and community and is always happy to talk politics, wrestling…or insurance! Contact: joel@scinsurance.ca LinkedIn

1) The Exempt Market. 2) The Major Differences. 3) The Risks. 4) How to Purchase Exempt Products. 5) Eligibility for Registered Plans. Guest:  Sheila Nielsen   I grew up on a farm in rural Alberta and learned many of life’s important lessons there. I had an idyllic childhood filled with the freedom to explore, build tree houses, help with the farm work and look after the animals. This gave me a deep appreciation for the land, the value of hard work and a sense of community. I earned a Bachelor of Commerce degree and upon graduation I worked for a telecommunications company as a Programmer/Analyst for 10 years. This work included analysis, design and implementation of many systems in the billing and marketing departments. A keen interest in personal finance and an eagerness to ‘spread the word’ about private investing motivated me to become a registered Exempt Market Dealing Representative. I became registered with Raintree Financial Solutions early in 2012. I believe Raintree Financial Solutions’ rigorous due diligence process and focus on alignment are paramount in looking after investor’s best interests. I have a down-to-earth, common sense approach to life. My goal is to educate others about the existence of the Private Capital Market and the alternative investment choices available and to determine if it is suitable for them. Private investing is an excellent way to diversify an investor’s portfolio where eligibility and suitability have been determined. I invite you to call me today to learn more. Contact: 203-304 Main Street South Suite #174, Airdrie, Alberta P 403.305.9284 E snielsen@raintreeFS.com W raintreeFS.com/sheila-nielsen

1) The Main Message of The Wealthy Buddhist. 2) A Philosophy. 3) A Beginner’s Mind. 4) Right Livelihood. 5) An Entrepreneur. 6) Ability Trust and Integrity Trust. 7) Spending Mindfully. 8) Investing Mindfully. Rod Burylo, CIM, FCSI, is the Manager of EMD and IFM Services, and Chairs the Investment Review Committee, for Axcess Capital Advisors. He has worked throughout the financial services for a wide variety of companies in roles that include CCO, CFO and Director. For over 30 years, Rod has been designing and delivering continuing education as a writer and speaker on the topic of business ethics ethics and professional responsibility for several designation and registration categories, including CPA, CFP, PBA and IIROC. He is a 2004 Canadian Advisor of the Year Award winner, 2019 Champion of Financial Literacy Award Finalist, and author of three books, including The Wealthy Buddhist (2019). Rod also consults to boards and leadership teams on topics that include governance, communications strategy, and regulatory compliance. He has served on the board of public and private companies, as well as professional associations and not for profits, including the National Exempt Market Association, Foundation for the Advancement of Entrepreneurship, and the Public Business Accountants Society. Contact: Rod Burylo is on LinkedIn

1) Thinking About the Future. 2) The Importance of Goals. 3) Mentors. 4) A Definition of Success. 5) Learning from Adversity and Failure. 6) Self-Talk. 7) Communication Skills. 8) 3 Key Habits. 9) Deal With the Soft Issues. Guest:  John Askin John Askin is a founder and principal of the Wealth Strategy Group and Financial Transition Resources. He received his Bachelor of Commerce Degree from the University of Alberta and his Bachelor of Laws Degree from Osgoode Hall Law School. John is a member of the Law Societies of Alberta and British Columbia. In addition to advising high net worth individuals and families, John’s corporate clients have included Sun Life, TD Evergreen, CIBC, Investors Group, the Berkshire Group, Manulife Financial, Scotia McLeod and the Hong Kong Bank. John currently consults with clients and professional advisors throughout North America in the areas of succession and transition planning. John is past president of the Estate Planning Council of Edmonton and is a current member of the Vancouver Estate Planning Council and the Canadian Tax Foundation. He has written for and presented papers to organizations such as the Canadian Tax Foundation, the Institute of Chartered Accountants, The Globe and Mail Newspaper, the Canadian Institute of Chartered Life Underwriters and the All China Lawyers Association, Beijing, China. John is co-author of Materials on Corporate Taxation and Materials on the Alberta Business Corporations Act and has authored articles in numerous publications including the Canadian Tax Journal and the Insurance Digest. He is also a regular contributor to the Insurance Planning Journal and author of the best-selling book “For Love Not Money”. Contact: Email: taxwiz@shaw.ca Website: www.wealthstrategy.ca

1) Expectations Before Retirement. 2) Expectations in Retirement. 3) A Time of Opportunity 4) A Time of Change. 5) Succession Planning. Chris has a leadership background with a focus in the fields of finance, taxation, and corporate governance. He has a history of involvement in start-ups and brings, in-the-trenches, business experience. While he has a penchant for compliance, reporting, and complex corporate arrangements, he also recognizes that each business environment is unique and tailors his approach to meet the needs of the business and balance the interests of its stakeholders. Chris was awarded as top Business Leader in Calgary by Business in Calgary Magazine for his work as Managing Partner of Pinnacle Accounting & Finance, a mid-sized professional firm, and for his involvement in the business community. Chris serves as a Director of the Public Business Accountants’ Society of Alberta, is President and Director of the Foundation for the Advancement of Entrepreneurship, and a Trustee in the Medallion Health Trust. Chris’s educational background includes a Bachelor of Commerce (Accounting) from the Haskayne School of Business at the University of Calgary. He completed the Certified Management Accountant program in 2013. During Covid, he finished a Masters of Laws (Business) from Osgoode Hall Law School at York University and is in the process of publishing his first paper on the law of corporate governance and business ethics. Chris has made some aggressive plans to retire before the age of 40 so that he and his wife can sail the world. Contact: Chris Burylo Managing Partner t: (403) 453-0532 x301 e: chris@pinnacleaf.ca Pinnacle Accounting & Finance www.pinnacleaf.ca/chris

1) Rod’s Greatest Lesson. 2) A Little Help from a Friend. 3) Your State of Mind. 4) Eastern Influence. 5) Be Around the Right People. 6) Rod’s Personal Legacy. Guest:  Rod Burylo Rod Burylo, CIM, FCSI, is the Manager of EMD and IFM Services, and Chairs the Investment Review Committee, for Axcess Capital Advisors. He has worked throughout the financial services for a wide variety of companies in roles that include CCO, CFO and Director. For over 30 years, Rod has been designing and delivering continuing education as a writer and speaker on the topic of business ethics ethics and professional responsibility for several designation and registration categories, including CPA, CFP, PBA and IIROC. He is a 2004 Canadian Advisor of the Year Award winner, 2019 Champion of Financial Literacy Award Finalist, and author of three books, including The Wealthy Buddhist (2019). Rod also consults to boards and leadership teams on topics that include governance, communications strategy, and regulatory compliance. He has served on the board of public and private companies, as well as professional associations and not for profits, including the National Exempt Market Association, Foundation for the Advancement of Entrepreneurship, and the Public Business Accountants Society. Contact: Rod Burylo is on LinkedIn

1) The Importance of Setting Goals. 2) The Meaning of Success. 3) Setting Yourself Apart from the Competition. 4) Being in the Right Environment for Success. 5) 3 Habits for Success. Guest:  Rod Burylo Rod Burylo, CIM, FCSI, is the Manager of EMD and IFM Services, and Chairs the Investment Review Committee, for Axcess Capital Advisors. He has worked throughout the financial services for a wide variety of companies in roles that include CCO, CFO and Director. For over 30 years, Rod has been designing and delivering continuing education as a writer and speaker on the topic of business ethics ethics and professional responsibility for several designation and registration categories, including CPA, CFP, PBA and IIROC. He is a 2004 Canadian Advisor of the Year Award winner, 2019 Champion of Financial Literacy Award Finalist, and author of three books, including The Wealthy Buddhist (2019). Rod also consults to boards and leadership teams on topics that include governance, communications strategy, and regulatory compliance. He has served on the board of public and private companies, as well as professional associations and not for profits, including the National Exempt Market Association, Foundation for the Advancement of Entrepreneurship, and the Public Business Accountants Society. Contact: Rod Burylo is on LinkedIn

1) The Importance of a Vision for Retirement. 2) Maintaining Discipline in Retirement. 3) A Time of Urgency. 4) A Retirement Blueprint. Chris has a leadership background with a focus in the fields of finance, taxation, and corporate governance. He has a history of involvement in start-ups and brings, in-the-trenches, business experience. While he has a penchant for compliance, reporting, and complex corporate arrangements, he also recognizes that each business environment is unique and tailors his approach to meet the needs of the business and balance the interests of its stakeholders. Chris was awarded as top Business Leader in Calgary by Business in Calgary Magazine for his work as Managing Partner of Pinnacle Accounting & Finance, a mid-sized professional firm, and for his involvement in the business community. Chris serves as a Director of the Public Business Accountants’ Society of Alberta, is President and Director of the Foundation for the Advancement of Entrepreneurship, and a Trustee in the Medallion Health Trust. Chris’s educational background includes a Bachelor of Commerce (Accounting) from the Haskayne School of Business at the University of Calgary. He completed the Certified Management Accountant program in 2013. During Covid, he finished a Masters of Laws (Business) from Osgoode Hall Law School at York University and is in the process of publishing his first paper on the law of corporate governance and business ethics. Chris has made some aggressive plans to retire before the age of 40 so that he and his wife can sail the world. Contact: Chris Burylo Managing Partner t: (403) 453-0532 x301 e: chris@pinnacleaf.ca Pinnacle Accounting & Finance www.pinnacleaf.ca/chris

1) The Terminal Tax Return. 2) The Various Forms of Income. 3) How the CRA Treats RRSP & RRIF Funds. 4) Strategies to Defer Tax on Registered Funds. 5) How the CRA Treats Pension Funds. 6) How the CRA Treats TFSA Funds. 7) How the CRA Treats Capital Property. 8) Strategies to Defer Tax on Capital Property. 9) How the CRA Treats Foreign Property. Michelle is a member of MNP’s Tax Services team in Edmonton specializing in Trust and Estate Planning. Michelle delivers advanced tax advice and solutions to individuals, trusts, business owners and corporations at all stages of corporate growth, from start-up to succession planning, helping them realize their goals. Michelle provides her clients with the information and tools they need to make the best decisions possible, both for today and for the long term. Michelle’s services include trust, estate and post-mortem planning, succession planning, tax planning for retirement, corporate reorganizations, and providing support in CRA audits, reviews and appeals, including submissions under the Voluntary Disclosure Program. She prepares and reviews personal, corporate, and trust income tax returns, and helps executors navigate their responsibilities in administering an estate. Michelle is a Chartered Professional Accountant (CPA), qualifying as a Chartered Accountant (CA) in 2013. She completed CPA Canada’s In-Depth Tax Course in 2017 and received the Trust and Estate Practitioner (TEP) designation through the Society of Trust and Estate Practitioners in 2019 and Canadian Institute of Certified Executor Advisors (CEA) designation in 2020. Michelle mentors students who are working through the Chartered Professional Accountants (CPA) program and preparing for the CPA Common Final Examination and STEP candidates preparing for module exams. She is a board member of Fringe Theatre Adventures, board member (deputy chair 2021) of the Society of Trust and Estate Practitioners (STEP) Edmonton and chair of the Member Services Committee of STEP Canada. Michelle was named STEP Edmonton Volunteer of the Year in 2019. Michelle D. Coleman, CPA, CA, TEP, CEA PARTNER, TAXATION SERVICES DIRECT 780.733.8622 PH. 780.451.4406 FAX 780.454.1908 TOLL FREE 1.800.661.7778 Suite 1600-10235 101St N.W., Edmonton, AB T5J 3G1 michelle.coleman@mnp.ca mnp.ca

1) Sole Proprietor versus Incorporation. 2) Financial Advisor as an Employee. 3) Salary Income versus Dividend Income. 4) Deduction of Basic Expenses. 5) Meals and Entertainment. 6) Membership Fees. 7) Current Expenses versus Capital Expenses. Irfanali started his accounting practice in 2011 after completing his designation with Deloitte. As an entrepreneur at heart he feels the foundation of a strong business lies in its numbers and that is what drove him to accounting. His passion has allowed him to scale his firm, RMI Professional Corporation to a team of over 25 staff and servicing over 1500 clients annually. He has extensive knowledge in small business accounting working with various corporations and individuals including some financial advisors. Irfanali tries to live a balanced life as he is a proud husband and father of two, in his spare time he enjoys all things business and sports, mainly hockey. Irfanali Moledina Managing Partner RMI Professional Corporation 203 - 2916 19th St. NE Calgary, AB T2E 6Y9 Phone: (403) 457-4232 Email: info@rmiassociates.com Website: www.accountantscalgary.com

1) What is a personal trust? 2) Why use a personal trust? 3) The parties involved in a personal trust. 4) What is a testamentary trust? 5) How a testamentary trust can be used. 6) What is an inter vivos trust? 7) How an inter vivos trust can be used. 8) How a financial advisor can speak to a client about trusts. Guest: Shannon James, Associate Carscallen LLP Shannon is an Associate with Carscallen LLP in Calgary. Shannon has represented clients in a variety of estate, trust and incapacity matters including the roles and duties of executors, trustees, guardians, attorneys and agents. She has also been involved with the interpretation and validity of wills, the removal and replacement of personal representatives and trustees, and the interpretation, variation, and termination of trusts. Shannon is a member of the Law Society of Alberta, the Society of Trust and Estate Practitioners (STEP), the Canadian Tax Foundation (CTF), the Canadian Bar Association, and the Calgary Bar Association. Contact: Centrium Place 900, 332 6 Avenue SW Calgary, Alberta T2P 0B2 Phone: (403) 298-8445 Fax: (403) 262-2952 Email: James@carscallen.com Website: www.carscallen.com

1) What is a funeral? 2) A public funeral or a private funeral. 3) The purpose of a funeral home. 4) The services a funeral home provides. 5) Documentation involved with a funeral. 6) The costs associated with a funeral. 7) The benefits of a pre-arranged funeral. 8) How a financial advisor can help their clients prepare. Guest: Kathy Cloutier Kathy Cloutier has been a funeral director with McInnis and Holloway Funeral Homes for many years and is currently the Community Relations manager. Kathy began her career in the funeral business after her own profound grief of being widowed at a young age. Kathy considers it a privilege to serve people at a very difficult time. Contact Information: k.cloutier@mhfh.com www.mhfh.com (403) 241-0044