Plain English Finance
The Plain English Finance podcast is hosted by Tré Bynoe CFP® CIM®, a financial planner with TCU Wealth Management and Aviso Wealth.
While Tré specializes in working with families with more complicated finances, typically involving corporations and trusts, this podcast is for anyone wanting to learn how to make high-quality decisions based on evidence, to give themselves the highest likelihood of financial success.
You should always consult with your financial, legal, and tax advisors before making changes.
This podcast is provided as a general source of information and should not be considered personal investment advice or solicitation to buy or sell any securities.
The views expressed are those of the individual and are not necessarily those of Aviso Financial Inc.
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.
Episodes
59 episodes
3 Warning Signs Your Corporate Wealth Plan Isn’t Working | Ep. 59
How do you know if the way you are managing wealth inside your corporation is actually working?In this episode of the Plain English Finance Podcast, Tré and Sierra discuss three warning signs that a corporation owner may not have ...
Should You Use Your TFSA to Buy a House? | Ep. 58
Should you use your TFSA to buy a home, or leave it invested and use a different strategy?In this episode of the Plain English Finance Podcast, Tré and Sierra work through a real planning puzzle: someone wants to buy a home, has m...
Why Investing Gets Complicated for Corporation Owners | Ep.57
Investing gets more complicated once you move beyond RRSPs, TFSAs and simple registered accounts. For Canadian corporation owners, incorporated professionals, and investors with taxable accounts, the type of income your investments generate can...
Send This to Someone Who Needs to Start Investing | Ep. 56
Do you know someone who keeps saying they’ll start investing “later”?This episode is for the person who knows investing is important but feels overwhelmed by where to begin. Tré and Sierra talk through the simplest possible starting poin...
RRSPs Aren’t a Scam, But This Mistake Is Costly | Ep. 55
RRSPs are not a scam, but using one without a withdrawal plan can create an avoidable tax problem.In this episode, we explain when RRSP contributions help, when they don't, and why retirement withdrawals need to be planned years in advance....
Are You Paying Too Much to Invest? | Ep. 53
Paying more for investing does not automatically mean you are getting better advice, better products, or better returns. In this episode, Tre breaks down what Canadians should understand about investment fees, advice fees, product costs,...
Conversations on Money, Values, and Parenthood | Ep. 52
What changes when a financial planner becomes a parent? More than you think—and less than you might expect. In this episode, Tre shares the practical money moves he made after having a child, from updating the family will to reviewing life insu...
Too Good to Be True? Investment Red Flags Explained | Ep. 51
Have you ever looked at an investment and wondered if it was too good to be true? In this episode, we walk through the red flags that can show up in private investments, real estate deals, mortgage funds, and other “exclusive” opportun...
Why Smart People Make Bad Money Decisions | Ep. 50
Your calm self is not always a good judge of what your stressed self will do.In this episode, we talk about why smart people still make poor financial decisions under pressure.What I cover:Why good intentions do ...
Popular Money Advice vs What the Research Says | Ep. 49
Most money advice is popular because it’s easy to follow — not because it’s right. In this episode, I break down what academic research says about personal finance versus what popular financial books and gurus recommend.What ...
What Q1 2026 Taught Investors About Volatility and Speculation | Ep. 48
Q1 2026 was volatile, but the headlines weren’t the real story. Here’s what actually happened in the markets, and what long-term investors should take from it.What I cover What happened in Canadian, U.S.,...
Why Smart Financial Decisions Start With a Default Option | Ep. 47
Most bad financial decisions do not come from a lack of information. They come from inaction.In this episode, Tré Bynoe explains why “it depends” is technically true but often useless when people need to act. He lays out a better ...
How to Find the Right Financial Planner in Canada | Ep. 46
Choosing a financial planner shouldn’t feel like throwing darts at a board and hoping for a bullseye. In this episode, Tré breaks down how to find an advisor who actually fits your needs, not just someone with a title and a sales target. He exp...
The Retirement War Chest: How to Stay Invested When Markets Crash | Ep. 45
Can you stomach market drops? Most investors say they can handle them, but that confidence usually disappears when the portfolio actually falls.In this episode, Tré Bynoe explains the idea of a retirement “war chest” — also called...
AI, Expensive Markets, and Why Ownership Matters | Ep. 44
AI is driving markets, headlines, and a lot of investor anxiety. In this episode, Tré and Sierra talk through why the U.S. stock market looks so expensive right now, what investors may be missing about AI valuations, and why this trend could be...
Ep. 43 | Investment Location: The Tax Decision Most Investors Miss
Most investors focus on what they invest in and ignore where they hold it. That mistake can quietly cost hundreds of thousands of dollars over time.In this episode, Tré Bynoe, CFP, CIM, explains investment location—how placing the...
Ep. 42 | Cash Flow, Step by Step: How the System Actually Works
If cash flow still feels confusing, this episode fills in the gaps. Tré Bynoe, CFP, CIM, walks through his real-life cash flow system from January to December—account by account, decision by decision.This is a practical breakdown ...
Ep. 41 | Index vs Factor vs Alpha: What Type of Investor Are You?
Not all investing is created equal. In this episode, Tré Bynoe, CFP, CIM, unpacks the three core investment approaches—indexing, factor investing, and alpha strategies—and how to know which one fits you.Whether you're DIY or worki...
Ep. 40 | Salary vs Dividends: How to Pay Yourself
Should you pay yourself a salary or dividends from your corporation? If you’re a Canadian business owner, this decision shapes your long-term wealth. In this episode, Tré Bynoe, CFP, CIM, breaks down why it’s not a binary choice and what...
Ep. 39 | Behind the Planner: A Candid Conversation with Tré Bynoe
In this special off-script episode, Sierra flips the mic and asks Tré Bynoe, CFP, CIM, some personal and thought-provoking questions—from career paths not taken to his philosophy on helping people who actually want to be helped.This is t...
Ep. 38 | Notional Accounts: The Hidden Tax Rule Every Incorporated Investor Should Know
Notional accounts may sound like accountant-speak, but they’re critical if you're investing through a corporation. In this episode, Tré Bynoe CFP CIM breaks down what these invisible accounts are, how they work, and why ignoring them could quie...
Ep. 37 | Is It Interest? Understanding the Real Source of Your Investment Returns
What do you actually earn from the stock market? If you think it's all "interest," think again.In this episode, Tré Bynoe, CFP, CIM, breaks down the three types of investment income in Canada—dividends, capital gains, and other ...
Ep. 36 | A Story for My Daughter
This episode is different. It's a reading of a children’s story called The Four Money Bears, recorded for our daughter, Ariyah.It’s about spending, saving, investing, and giving — but more than that, it’s about balance, care, and intent...
Ep. 35 | How to Get Out of Debt in Canada: A Step-by-Step Plan
Many Canadians are stuck under a mountain of debt. Some with no idea how much they owe, or how to get out. In this episode, Tré breaks down what to do right now if you’re facing serious consumer debt. From making your first net worth s...
Ep. 34 | One Car Loan Can Wreck Your 30s
Think taking out a car loan in your 20s is no big deal? Think again.In this episode, Tré breaks down the long-term consequences of everyday debt decisions using real-life modelling to show how a single $40,000 car loan can quietly derail...