Your Retirement Planning Simplified
Welcome to the Retirement Planning Simplified Podcast. Join Joseph Curry, CFP Professional and retirement planning specialist, to learn how to simplify your retirement planning. If you're approaching retirement or have already entered your early retirement years, this podcast is designed to help you answer your big retirement questions like... Can I afford to retire? How do I create a paycheck in retirement? How do I pay less tax in retirement? And even big questions about life after work. Through Retirement Planning education, resources, and expert interviews, Joseph will help you get clear on your vision for retirement including what that looks like for you, how to simplify it, and what you will need specifically to achieve or maintain financial freedom, live out your dreams and create future opportunities for the ones you love. You can find more information, tools, and resources for your Retirement Planning at https://retirementplanningsimplified.ca.
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EP # 168 | Plugging the Leaks: How to Free Up Hidden Cashflow Before Retirement
11/20/2025
EP # 168 | Plugging the Leaks: How to Free Up Hidden Cashflow Before Retirement
Even in retirement, small expenses can quietly drain your income — until you take a closer look. In this episode, Joe Curry shares how a simple personal cashflow audit saved him over $2,000 a year and outlines practical steps retirees can use to find — and fix — their own hidden money leaks. Perfect for Canadians focused on tax-efficient retirement income planning and smarter spending. Key Takeaways Small leaks sink big ships — even in retirement. Performing a personal cashflow audit can uncover significant amounts in annual savings. Subscriptions add up fast. Many retirees pay for apps, streaming services, or memberships they’ve forgotten about. Canceling unused ones can free up hundreds of dollars a year. Your needs change in retirement — your insurance should too. Review life, home, and auto coverage regularly to make sure you’re not overpaying for outdated protection. Tax inefficiency is an invisible leak. Pulling income from the wrong accounts or missing opportunities like CPP deferral can quietly cost thousands in unnecessary taxes. Question your habits. Routines you’ve “always done” — from premium cell plans to cable TV — may not serve your retirement lifestyle anymore. Resources Book a Cashflow Audit Call Related RPS Episodes: - Smart Tax Strategies for More Efficient Retirement Planning Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada’s fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it’s about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: Website: Website: About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: Instagram: Podcast/Blog: Youtube: Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 167 | Retirement Planning Simplified — Why Simplicity is the Ultimate Strategy
11/13/2025
EP # 167 | Retirement Planning Simplified — Why Simplicity is the Ultimate Strategy
Even high-net-worth retirees can fall into the trap of financial complexity, with multiple accounts, different advisors, and no clear strategy. In this episode, Joe Curry explains why simplifying your financial life can create more control, smarter tax planning, and greater peace of mind. Learn how coordination, clarity, and a single cohesive plan can strengthen your retirement income strategy. Key Takeaways Complexity creates confusion and missed opportunities. When investments are scattered across institutions, it’s hard to see the big picture — leading to inefficiency and inaction. Diversification isn’t about having money with many advisors. Real diversification happens when your investments are coordinated under one structured portfolio that works in harmony. Simplification unlocks smarter tax planning. With a unified view, you can coordinate RRSP, TFSA, and non-registered withdrawals to minimize lifetime taxes and avoid OAS clawbacks. A coordinated plan gives you clarity and confidence. Seeing your full financial picture in one place makes it easier to make decisions and understand how each dollar supports your goals. An advisor helps you stay simple and strategic. A great advisor continually reviews, rebalances, and coordinates your plan — keeping things clear, efficient, and aligned with your life. Resources YRPS Ep # 134 – A previous episode of YRPS that touches on how to build a tax-efficient retirement income plan Book a Call with Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada’s fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it’s about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: Website: Website: About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: Instagram: Podcast/Blog: Youtube: Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 166 | Cybersecurity for Retirees: Protecting Your Digital Wealth
11/06/2025
EP # 166 | Cybersecurity for Retirees: Protecting Your Digital Wealth
In this episode of Your Retirement Planning Simplified, Joe Curry unpacks essential cybersecurity lessons for retirees, based on insights from expert Darren Mar, Director of Client Solutions at NPC Dataguard, who recently led an informative cybersecurity webinar for clients of Joe’s firm, Matthews + Associates. Learn how to protect your retirement savings, personal data, and peace of mind from online threats with simple, practical steps that safeguard your digital and financial life. Key Takeaways Cybersecurity is part of retirement security. Your wealth, identity, and digital assets are all connected — protecting them is as important as managing your investments. Most cyberattacks target individuals, not just corporations. Retirees are prime targets because of their savings, steady income, and tendency to trust legitimate-looking communications. Five essential layers of protection. Multi-factor authentication, long passphrases, regular software updates, secure backups, and professional-grade security tools dramatically reduce your risk. Awareness beats fear. You don’t need to be a tech expert — just build consistent habits, question unexpected messages, and know what to do if something feels off. Peace of mind is part of your plan. Cybersecurity helps protect not only your money but your confidence and independence in retirement. Resources , Director of Client Solutions at Darren recently led a webinar about Cybersecurity for our Fall 2025 Client Event at Matthews + Associates Cybersecurity & Identity Theft Checklist Request your free copy by emailing us: info@retirementplanningsimplified.ca YRPS Ep #97 Blog: Previous YRPS episode with related content Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada’s fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it’s about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: Website: Website: About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: Instagram: Podcast/Blog: Youtube: Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 165 | Why You Might Want to Take CPP at 60 (Even If the Math Says Otherwise)
10/30/2025
EP # 165 | Why You Might Want to Take CPP at 60 (Even If the Math Says Otherwise)
When it comes to CPP timing, the math often says “wait until 70” - but life isn’t lived in a spreadsheet. In this episode, Joe Curry explores why taking your Canada Pension Plan early—sometimes even at 60—can be a smart, meaningful choice for your lifestyle, legacy, and peace of mind. Key Takeaways from this Podcast CPP timing isn’t just about math — it’s about meaning. The “optimal” financial choice may not be the one that helps you live your best retirement. Taking CPP early can increase flexibility. Early benefits can fund experiences, family gifts, or charitable giving when you’re healthiest and most active. Zero-earning years can reduce your benefit. If you retire before 65 but delay CPP, those years may count against you in the CPP calculation. Not everyone needs longevity insurance. If you have pensions, rental income, or sufficient savings, delaying CPP might not be worth the trade-off. Behavioral comfort matters. If you’re hesitant to draw from investments, that monthly CPP cheque might help you enjoy your retirement more freely. Resources Mentioned in this Podcast Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada’s fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, he is committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it’s about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: Website: Website: About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: Instagram: Podcast/Blog: Youtube: Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 164 | How to Evaluate Investment Performance in Retirement
10/23/2025
EP # 164 | How to Evaluate Investment Performance in Retirement
Wondering if your retirement portfolio is really performing well? In this episode of Your Retirement Planning Simplified, Joe Curry explains why comparing your portfolio to indexes like the TSX or S&P 500 can be misleading. Learn how to evaluate investment performance based on your personal goals, asset mix, and income needs — not on market headlines. Key Takeaways from this Episode Stop Comparing to the TSX. Your retirement portfolio is designed for stability and income, not for competing with stock indexes built for accumulation. Diversification Is the Real Benchmark. A well-structured retirement portfolio should include Canadian, U.S., international, and fixed-income holdings — each with its own purpose. Asset Allocation Should Reflect You. Your mix of stocks and bonds should align with your risk tolerance, income needs, and guaranteed income sources like CPP, OAS, or pensions. Evidence Beats Guesswork. Research like the SPIVA scorecard consistently shows that active managers rarely beat the market after fees — supporting an evidence-based approach. Stay Focused on Purpose, Not Performance Chasing. Evaluate your portfolio by asking whether it’s helping you meet your income goals and maintain peace of mind, not whether it’s “winning” against the market. Resources Mentioned in this Episode Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more at ABOUT JOE CURRY Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada’s fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, he is committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it’s about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: Website: ABOUT RETIREMENT PLANNING SIMPLIFIED Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: Instagram: Podcast/Blog: Youtube: DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 163 | The 5.5 Guaranteed Retirement Income Sources Every Canadian Should Understand
10/16/2025
EP # 163 | The 5.5 Guaranteed Retirement Income Sources Every Canadian Should Understand
In this episode of Your Retirement Planning Simplified, Joe breaks down the five and a half guaranteed retirement income sources every Canadian should understand—from CPP and OAS to pensions and annuities. Learn how to build a dependable retirement income floor so you can retire with confidence and weather any market conditions. Key Takeaways from this Episode Defined Benefit Pensions – A disappearing but powerful guaranteed income source, backed by employers or plan sponsors. Know your plan’s funding health and inflation protection. Canada Pension Plan (CPP) – One of the most reliable lifetime income streams. Delaying CPP can act as “longevity insurance,” boosting payments by 8.4% per year after age 65. Old Age Security (OAS) – Government-funded and guaranteed, but subject to clawbacks for higher-income retirees — making tax-efficient withdrawal strategies critical. Annuities – Think of these as “do-it-yourself pensions.” You exchange a lump sum for guaranteed lifetime income, ideal for those who value simplicity and peace of mind. Guaranteed Minimum Withdrawal Benefits (GMWBs) – Hybrid investment-insurance products that can provide guaranteed income while keeping you invested, though often with complexity and higher fees. Bonus (“Half”) Sources: GIS for lower-income retirees and rental income, which may feel stable, but lacks a true guarantee. Ready to take the next step? Identify your retirement income style with the RISA questionnaire at Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more at Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! ABOUT JOE CURRY Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada’s fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, he is committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it’s about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: Website: ABOUT RETIREMENT PLANNING SIMPLIFIED Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: Instagram: Podcast/Blog: Youtube: DISCLAIMER Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 162 | Understanding RRIF Withdrawal Rules and Building a Tax-Smart Retirement Plan
10/09/2025
EP # 162 | Understanding RRIF Withdrawal Rules and Building a Tax-Smart Retirement Plan
Most retirees view mandatory RIF withdrawals as a tax trap—but what if they’re actually a strategic advantage? In this episode, Joe Curry explains how smart RIF planning can reduce lifetime taxes, protect OAS and government benefits, and even help grow wealth. Learn how to use income smoothing, tax brackets, and the three-bucket strategy to master retirement income planning. Key Takeaways · RIF withdrawals aren’t a punishment—they’re part of a tax-deferred system designed for the decumulation phase of retirement. · Starting RRSP withdrawals early can smooth out income and prevent OAS clawbacks later in life. · The pension tax credit offers up to $2,000 in RIF withdrawals tax-free after age 65. · Using the three-bucket strategy—pre-tax, tax-free, and taxable—helps optimize annual withdrawals and minimize taxes. · Annual reviews are essential to adapt your withdrawal strategy as tax rules, income, and benefits change. —------------------------------------------------------------ Ready to take the next step? Identify your retirement income style with the RISA questionnaire at Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more at Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! —------------------------------------------------------------ ABOUT JOE CURRY Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada’s fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, he is committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it’s about creating meaningful experiences with loved ones and fostering opportunities for the future. You can reach out to Joe through: LinkedIn: Website: ABOUT RETIREMENT PLANNING SIMPLIFIED Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: Instagram: Podcast/Blog: Youtube: —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 161 | Redefining Retirement for High Achievers: Identity, Purpose, and Structure After Work
10/02/2025
EP # 161 | Redefining Retirement for High Achievers: Identity, Purpose, and Structure After Work
What if the hardest part of retirement isn’t money, markets, or even health but your identity? In this episode of Retirement Planning Simplified, Joe Curry talks with Elizabeth Zelinka Parsons, retirement transition expert and author of Encore: A High Achiever’s Guide to Thriving in Retirement. Elizabeth shares her own story of leaving a demanding law career, struggling with a loss of purpose, and rebuilding her identity in a way that now helps others do the same. Together, Joe and Elizabeth talk about why retirement is more than a finish line, it's a reinvention. Check out the show notes for .
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EP # 160 | Retirement and Sudden Death: Psychological and Physical Risks to Know
09/25/2025
EP # 160 | Retirement and Sudden Death: Psychological and Physical Risks to Know
What happens when someone finally retires only to pass away months later? In this episode of Retirement Planning Simplified, Joe talks about the surprising connection between retirement, health, and longevity. This isn’t doom and gloom, it’s a wake-up call to design a retirement that’s not just long-lasting, but meaningful. Check out the show notes for .
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EP # 159 | Financial Psychology for Retirees
09/18/2025
EP # 159 | Financial Psychology for Retirees
In this episode of Retirement Planning Simplified, Joe Curry talks with Dr. Meghaan Lurtz, a financial psychology professor at Kansas State University. They explore why money decisions in retirement are often driven by emotions, not just numbers. You’ll learn how to handle common retirement worries, manage money disagreements with your spouse, and build healthier money habits through intentional spending. She also explains “money scripts”,the hidden beliefs shaping your financial behavior, and how financial planners can support more than just investments. Check out the show notes for .
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EP # 158 | Aligning Money + Values. The Key to Retirement Confidence, with Carl Richards
09/11/2025
EP # 158 | Aligning Money + Values. The Key to Retirement Confidence, with Carl Richards
Most people think money problems are about numbers but what if the real obstacle is us? In this episode, Joe sits down with Carl Richards, author, speaker, and creator of The Sketch Guy column in The New York Times, to explore why simplicity is so powerful in financial planning. Carl explains how his famous sketches reveal money for what it really is, a tool to live the life you want, and why the best advice isn’t about picking investments, but aligning your money with your values. Check out the show notes for .
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EP # 157 | How to Delay CPP to Age 70 Without Sacrificing Retirement Income
09/04/2025
EP # 157 | How to Delay CPP to Age 70 Without Sacrificing Retirement Income
Most Canadians take CPP early, but delaying until 70 can boost your pension by up to 78% - a guaranteed, inflation-protected income for life. In this episode of Retirement Planning Simplified, Joe Curry explains how to cover your income needs while waiting for CPP so you don’t sacrifice your lifestyle. You’ll learn about the Bond Bridge (flexible, liquid income) and the Annuity Bridge (simple, guaranteed income) as strategies to fill the gap. Joe shares how to manage your portfolio to reduce risk and keep your retirement spending on track. Check out the show notes for .
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EP 9: How Closing the Profit Gap Can Boost Your Business Exit Value
09/02/2025
EP 9: How Closing the Profit Gap Can Boost Your Business Exit Value
What if you could add a million dollars to your business without selling a single extra unit or finding new clients? In this episode of Business and Exit Planning Simplified, Joe talks about the profit gap, the silent drain that lowers your business value. He explains what the profit gap is, how to measure it, and simple steps you can take to close it. You’ll learn why buyers care about profit more than revenue, how higher margins increase both your income today and your future sale price, and why cleaning up your finances makes your company more attractive. Whether you’re planning to exit in 1 year or 10 years, closing the profit gap is one of the fastest ways to increase business value and secure your retirement. Here’s what you’re in for: 00:00 Identifying the profit gap 02:57 How to close the profit gap 06:36 Why normalizing financials matters 10:21 Strategies to increase profitability 14:27 Final thoughts and next steps —------------------------------------------------------------- ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: Website: ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 156 | Outperform Without the Guesswork: A Conversation with Wes Crill
08/28/2025
EP # 156 | Outperform Without the Guesswork: A Conversation with Wes Crill
How do you build a retirement portfolio that works in the real world and not just on paper? In this episode of Retirement Planning Simplified, Joe Curry speaks with Wes Crill from Dimensional Fund Advisors about evidence-based investing and how it can help retirees reach their goals. Wes explains why beating the market is harder than most think, why diversification is one of the most powerful tools for retirees, and the pros and cons of relying on dividends for income. He also shares how Dimensional uses decades of research to create smarter, long-term investment strategies. Check out the show notes for .
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EP # 155 - Applying FIRE Strategies to Traditional Retirement with Chris Mamula
08/21/2025
EP # 155 - Applying FIRE Strategies to Traditional Retirement with Chris Mamula
How to Achieve Financial Independence and Retire Early? In this episode of Retirement Planning Simplified, Joe Curry talks with Chris Mamula, who retired at 41, about the Financial Independence Retire Early (FIRE) movement. Chris shares how living simply, saving aggressively, and making intentional choices helped him reach financial freedom. They cover how to balance saving for the future with enjoying life now, spend wisely in retirement, and find purpose beyond work. Chris also explains how part-time work or side hustles can boost both income and fulfillment. Whether you want to retire early or just have more control over your time, you’ll get practical tips to make it happen. Check out the show notes for .
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EP 8:Exit-Ready: Structuring Your Business for a Profitable Sale, with Bob Gauvreau
08/19/2025
EP 8:Exit-Ready: Structuring Your Business for a Profitable Sale, with Bob Gauvreau
Are you sure your business is set up to fund the retirement you want and leave the legacy you’ve worked so hard to build? In this episode of Retirement Planning Simplified, Joe Curry and Lindsay talk with Bob Gauvreau, a successful entrepreneur who built an eight-figure professional services firm. You’ll hear practical advice on tax strategies, maximizing your business value, and how to prepare your business for sale. He also explains the benefits of family trusts, how to handle family business succession, and why early planning is the key to a smooth transition. Here’s what you’re in for: 00:00 – Introduction & Welcome 00:45 – Bob Gauvreau’s Entrepreneurial Journey 02:01 – Building an Eight-Figure Firm 03:38 – Retirement Planning for Business Owners 06:13 – Structuring a Business for Sale 09:51 – Family Trusts & Tax Planning 13:41 – Increasing Business Value Before Sale 18:26 – Family Business Succession Strategies 27:45 – Conclusion & How to Connect —------------------------------------------------------------- ABOUT BOB GAUVREAU Bob Gauvreau is an entrepreneur, CPA, and founder of Gauvreau, an award-winning advisory firm dedicated to helping business owners thrive. Since 2008, he has redefined the traditional accounting model—offering tax strategy, compliance, legal services, bookkeeping, coaching, and financial planning—to empower entrepreneurs to use their finances as a true growth engine. Author of The Wealthy Entrepreneur and host of The Wealthy Entrepreneur Podcast, Bob is committed to reducing stress, increasing clarity, and helping business leaders build profitable, purposeful businesses they can be proud of. You can reach out to Bob through: LinkedIn: Website: —------------------------------------------------------------- ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: Website: ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 154 - Understanding the Bond Tent Strategy for Retirement Portfolio Protection
08/14/2025
EP # 154 - Understanding the Bond Tent Strategy for Retirement Portfolio Protection
Is Your Retirement Portfolio Ready for the Red Zone? In this episode of Retirement Planning Simplified, Joe explains how to protect your investments when it matters most right before and just after you retire. This period, often called the "retirement red zone," comes with big risks if markets take a dip. Joe walks through a powerful strategy called the “bond tent” and explains why loading up on bonds early in retirement can shield your nest egg. He also shares how the rising equity glide path which increases your stock exposure later in retirement can actually lower your long-term risk. Check out the show notes for .
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EP 7: The Truth About the Value Gap and Growing Your Business
08/12/2025
EP 7: The Truth About the Value Gap and Growing Your Business
In this episode, Joe Curry starts with a tough question: Could your business be worth far less than you expect? Most business owners believe boosting sales and profits is the only way to grow business value. But that’s only one piece of the puzzle. What You’ll Learn: What the value gap really is and why it matters Why increasing revenue and profit isn’t enough How factors like owner dependence, recurring revenue, and customer concentration affect your business value Joe shares practical tips on how to make your business less risky, more scalable, and ultimately more valuable even if you're not planning to sell anytime soon. Here’s what you’re in for: 00:00 Is Your Business Worth Less Than You Think? 01:20 Understanding the Value Gap 03:02 Key Drivers of Business Value 07:17 Practical Example Marketing Agency 09:21 Why Focusing on Value Matters 10:39 Conclusion and Key Takeaways —------------------------------------------------------------- ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: Website: ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 153 - How Women Can Take Control of Their Retirement Finances with Rachael Burns
08/07/2025
EP # 153 - How Women Can Take Control of Their Retirement Finances with Rachael Burns
In this episode of Retirement Planning Simplified, Joe Curry speaks with Rachael Burns, Certified Financial Planner and founder of True Worth Financial Planning. Rachael specializes in helping women navigate their finances after divorce or the loss of a spouse. She shares practical steps to regain control, avoid emotional financial decisions, and feel empowered in retirement. You’ll hear about the biggest mistakes to avoid, why estate planning matters more than ever, and how to rebuild confidence when planning alone. Check out the show notes for .
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EP 6: Salary vs Dividends: Optimizing Business Owner Payouts with Braden Warwick
08/05/2025
EP 6: Salary vs Dividends: Optimizing Business Owner Payouts with Braden Warwick
How Should You Pay Yourself as a Business Owner? Salary, Dividends, or an IPP? In this episode, Joe chats with Braden Warwick from PWL Capital about how business owners can pay themselves in the smartest way. They break down the pros and cons of taking a salary, dividends, or using an Individual Pension Plan (IPP), a lesser-known but powerful option. Braden shares what he’s learned from co-authoring a paper with Ben Felix, and they talk through real-life examples. You'll learn how taxes play into each option, what “notional accounts” are (in simple terms), and how a flexible income plan could help you get the most from your money,both now and in retirement. Here’s what you’re in for: 00:00 – Welcome and intro 00:24 – Meet Braden and his role at PWL 01:57 – What the research says about business owner pay 04:03 – Tax pros and cons of each method 08:46 – What are notional accounts, anyway? 13:02 – How IPPs work and who they’re good for 17:35 – Using a flexible salary strategy 25:49 – Final thoughts and where to learn more —------------------------------------------------------------- ABOUT BRADEN WARWICK Braden Warwick is a PhD Research Engineer who loves turning complex research into practical, high-performing software. With a background in optimization, Monte Carlo and statistical analysis, and stochastic modeling, he’s passionate about solving tough problems and making data-driven tools that work in the real world. Braden has hands-on experience with GPU-accelerated simulations, parallel processing, and modern Python and JavaScript frameworks, bringing innovative ideas from theory to production. You can reach out to Braden through: LinkedIn: Website: —------------------------------------------------------------- ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: Website: ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 152 - The Power of Art, Identity & Joy After 60
07/31/2025
EP # 152 - The Power of Art, Identity & Joy After 60
In this episode of Retirement Planning Simplified,Joe Curry talks with best-selling author and Sketchbook School co-founder Danny Gregory about the life-changing benefits of rediscovering creativity in retirement. After turning to drawing during a personal crisis, Danny discovered the healing power of art and now helps others do the same. You’ll learn why creativity matters after leaving full-time work, how drawing can be a meditative practice, and simple ways to get started and no experience required. Whether you’re looking for new hobbies in retirement, tools for emotional healing, or just more personal fulfillment, this conversation offers inspiration and actionable steps. Check out the show notes for .
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EP 5: Is Your Business Exit Plan Enough To Afford Your Retirement? Mind the Wealth Gap
07/29/2025
EP 5: Is Your Business Exit Plan Enough To Afford Your Retirement? Mind the Wealth Gap
How to Calculate Your Wealth Gap and Retire on Your Terms If you sold your business tomorrow, would it fund your retirement? In this episode of Retirement Planning Simplified, Joe Curry breaks down how to calculate your “wealth gap”, the difference between what you need for financial independence and what you already have saved outside your business and home. You’ll learn why this number is the foundation for both retirement and exit planning, how to use the 4% rule for back-of-the-napkin math, and what business owners can do today to close that gap and retire with confidence. Here’s what you’re in for: 00:00 The Big Question About Retirement 01:50 Calculating Your Wealth Gap 02:07 Retirement Lifestyle Goals 02:52 Income from Investments: The 4% Rule 03:33 Considering Taxes in Your Wealth Gap 03:57 Assets and the Wealth Gap 04:45 Closing the Wealth Gap with Your Business 05:12 Financial Independence vs. Retirement 05:31 Reverse Engineering Your Business Sale 06:56 Example Walkthrough 08:13 The Importance of Early Exit Planning 09:50 Conclusion: Bridging Business and Retirement —------------------------------------------------------------- ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: Website: ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 151 - Planning Once Isn’t Planning: Why Retirement Requires Ongoing Strategy
07/24/2025
EP # 151 - Planning Once Isn’t Planning: Why Retirement Requires Ongoing Strategy
Why Your Retirement Plan Should Evolve With You In this episode of Retirement Planning Simplified, Joe Curry, a certified financial planner reveals why your retirement plan shouldn’t be a one-and-done document. He dives into the importance of ongoing retirement planning, regular financial checkups, and adjusting your investment, tax, and risk strategies as your needs change. He breaks down how major life events, market volatility, and shifting personal goals can impact your retirement—and why staying proactive is key. Check out the show notes for
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EP 4: The Overlooked CPP Strategy That Saves Business Owners Thousands with Aravind Sithamparapillai
07/22/2025
EP 4: The Overlooked CPP Strategy That Saves Business Owners Thousands with Aravind Sithamparapillai
How Should Business Owners Pay Themselves? Salary vs. Dividends In this episode of Retirement Planning Simplified, Joe Curry sits down with financial expert Aravind Sithamparapillai to talk about how business owners should structure their compensation. They break down the pros and cons of salary versus dividends, how CPP (Canada Pension Plan) fits into retirement planning, and what business owners need to know about tax integration. You’ll also hear about: When paying into CPP can actually help you in retirement How RRSPs compare to CPP as retirement tools How to avoid OAS clawbacks What to consider when clearing out notional accounts Whether you’re a small business owner or incorporated professional, this episode helps you make informed decisions about your compensation and long-term financial goals. Here’s what you’re in for: 00:00 – Intro 00:07 – Common business owner compensation strategies 01:09 – How tax integration works 03:28 – When to choose dividends vs. salary 07:01 – Is CPP a cost or a future benefit? 09:25 – Understanding employee vs. employer CPP contributions 20:42 – RRSPs vs. CPP for retirement planning 27:29 – How taxes and government benefits affect your strategy 30:24 – Wrap-up and where to learn more —------------------------------------------------------------- ABOUT ARAVIND SITHAMPARAPILLAI Aravind Sithamparapillai is a motivated and collaborative professional who brings a competitive edge, a team-first mindset, and a strong belief in the value of authentic relationships. He’s driven not just to succeed, but to support those around him and create a positive, lasting impact. Known for his dedication and integrity, Aravind approaches every challenge with energy, empathy, and a commitment to excellence. You can reach out to Aravind through: LinkedIn: —------------------------------------------------------------- ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: Website: ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 150 - Slow Travel, Big Impact: Redefining Retirement
07/17/2025
EP # 150 - Slow Travel, Big Impact: Redefining Retirement
In this episode of Retirement Planning Simplified, Joe Curry talks with Karen Gershowitz, travel writer and author, about how travel can help you rediscover purpose, fun, and connection after you retire. Karen shares her journey from running a marketing firm to becoming a full-time travel writer after retirement. She talks about overcoming mobility issues, how slow travel leads to deeper cultural experiences, and practical ways to travel more affordably after 50. Check out the show notes for
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EP 3: SDE VS EBITDA What's Business Worth?
07/15/2025
EP 3: SDE VS EBITDA What's Business Worth?
In this quick but powerful episode of Retirement Planning Simplified, Joe Curry explains what every small business owner needs to know before selling a business, especially if retirement is getting close. Joe breaks down two important terms you always hear: EBITDA — used for bigger companies with management teams. SDE (Seller’s Discretionary Earnings) — used for most owner-operated businesses under $5 million in revenue. You’ll learn what buyers really look for, how to tell which number fits your business, and why it matters so much for your selling price. Joe also shares the 8 big things that can increase your multiple — like having a good team, clear financial records, steady growth, happy customers, and not being too dependent on you as the owner. What You’ll Learn: ✔️ What EBITDA and SDE mean (00:01) ✔️ Which one fits your business (01:20) ✔️ 8 ways to boost your value before you sell (02:27) —------------------------------------------------------------- ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: Website: ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 149 - Dating, Companionship & Romance After 60 with Andrea McGinty
07/10/2025
EP # 149 - Dating, Companionship & Romance After 60 with Andrea McGinty
In this episode of Retirement Plan Simplified, Joe Curry sits down with Andrea McGinty, founder of It’s Just Lunch and 33000Dates.com, to explore how to find love later in life — whether you’re divorced, widowed, or simply ready for new companionship. Andrea shares her journey from building one of North America’s biggest matchmaking services to coaching thousands of people in their 50s, 60s, and beyond to date online with confidence. She covers the real truths about dating apps, staying safe, building a strong dating “brand,” and why finding a partner later in life can actually boost your health and happiness. Check out the show notes for
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EP 2: Tax Planning Opportunities and Pitfalls for Business Owners in 2024 With Matt Holmes, CPA
07/08/2025
EP 2: Tax Planning Opportunities and Pitfalls for Business Owners in 2024 With Matt Holmes, CPA
Are you a business owner approaching retirement or just starting to think about a future sale? In this episode of Retirement Planning Simplified, Joe sits down with Matt Holmes, partner at Homes Riseleys CPA, to uncover the biggest mistakes business owners make when it comes to succession planning and selling their business and how to avoid them. He explains new tax rules for 2024 and how they can affect business sales, including updates to the capital gains exemption, AMT, and anti-avoidance legislation. Matt brings decades of tax and structuring experience to this conversation covering everything from tax-saving strategies to real-life horror stories of owners who waited too long to plan. Here’s what you’re in for: 00:00 Common Mistakes in Business Value Creation 04:26 Importance of Planning for Unexpected Sales 07:28 Successful Business Transitions 11:07 Structuring and Tax Advisory for Business Owners 20:34 Nuances of Selling to Family vs. Third Parties 25:30 New Rules and Legislation for 2024 32:48 Conclusion ABOUT MATT HOLMES Matt Holmes is a seasoned tax advisor with over 25 years of experience helping small to medium-sized business owners achieve their goals through tailored business, tax, and accounting strategies. A Chartered Accountant and graduate of Ryerson University, Matt specializes in corporate reorganizations, estate planning, and succession strategies for owner-managed businesses across industries like healthcare, real estate, and tech. His expertise lies in tax minimization and wealth maximization, particularly during business transitions, sales, and generational transfers. You can reach out to Matt through: LinkedIn: Website: ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: Website: ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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EP # 148 - Seven Tax-Smart Ways to Leave a Legacy—Without Leaving a Tax Bill
07/03/2025
EP # 148 - Seven Tax-Smart Ways to Leave a Legacy—Without Leaving a Tax Bill
In this episode, Joe Curry breaks down smart, simple, and tax-efficient strategies to pass on your wealth in Canada—so your legacy goes to your loved ones, not the CRA. Whether you’ve built your nest egg through saving, investing, or selling a business, this episode is packed with insights you can use. Check out the show notes for
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EP 1: The 4 Types of Buyers
07/01/2025
EP 1: The 4 Types of Buyers
Shownotes Thinking about selling your business? In this pilot episode, Joe Curry explains why many Canadian business owners struggle to sell—and how understanding the four main types of buyers can help you plan a smoother, more successful exit. Joe breaks down the key differences between individual buyers, strategic buyers, financial buyers, and internal buyers (like family or employees). Each type of buyer comes with their own goals, expectations, and ways of doing deals. Whether you're planning to retire soon or just thinking ahead, this episode will help you understand who your ideal buyer might be and how to prepare your business to sell for the best possible price. Here’s what you’re in for: 00:49 – Why many businesses don’t sell 01:07 – The 4 types of business buyers 01:57 – Individual buyers: pros & cons 04:21 – Strategic buyers: pros & cons 07:32 – Financial buyers: pros & cons 10:04 – Internal buyers: pros & cons 13:11 – Why it’s important to know your buyer 14:16 – Wrap-up and next steps —------------------------------------------------------------- ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: Website: ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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