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
39 episodes
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...
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Episode 38
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21:55
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 ...
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Episode 37
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36:52
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...
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Episode 36
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4:43
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...
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Episode 35
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35:40
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...
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Episode 34
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32:28
Ep. 33 | RESPs: Free Money for Your Kid’s Future (If You Use It Right)
Most Canadian parents know about RESPs, but few use them to their full potential. In this episode, Tré exposes the common RESP mistakes that cost families thousands and shows you how to actually make the most of this powerful tool.You’ll...
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Episode 33
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33:42
Ep. 32 | How to Build Credit in Canada: Equifax and TransUnion Guide
In this episode, Tré breaks down how credit scores work in Canada using best practices given directly from Equifax and TransUnion. Using information straight from Equifax and TransUnion, he explains exactly what goes into your score and how to ...
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Episode 32
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34:27
Ep. 31 | Your Financial Order of Operations When Starting a Business in Canada
In this episode, Tré lays out the clear financial steps to follow if you’re thinking about starting a business in Canada. If you’re a Canadian professional or aspiring business owner, this episode is your practical roadmap.
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Episode 31
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27:06
Ep. 30 | Teachers — How to Retire Without Mistakes
Teaching comes with one of the best pensions in Canada. But that doesn’t mean your retirement is “set and forget.” In this episode, Tré walks through the financial decisions every teacher needs to get right—before and after retiring.Defi...
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Episode 30
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34:24
Ep. 29 | Stop Guessing: The Employee's Guide to Financial Order of Operations
Most employees guess their way through financial decisions. That leads to debt, missed opportunities, and slow progress. In this episode, Tré lays out a clear, step-by-step plan for employees who want better results and are willing to do the wo...
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Episode 29
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29:58
Ep. 28 | The Smart Path to Buying Into Your Firm
In this episode of Plain English Finance, host Tré Bynoe, CFP®, CIM®, breaks down the step-by-step plan for professionals thinking about buying into their firm — lawyers, engineers, accountants, and doctors alike.Tré expl...
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Episode 28
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29:05
Ep. 27 | Case Study: What Comes After “We’re On Track”?
In this episode of Plain English Finance, Tré Bynoe, CFP®, CIM® walks through a real-life case study (with names changed) to explore what happens when you’ve already “made it” — when your retirement savings are on track, your de...
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Episode 27
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38:00
Ep. 26 | Investing Basics: Understanding Risk
In this episode of Plain English Finance, Tré Bynoe, CFP®, CIM® breaks down the foundations of smart investing. Joined by Sierra, he walks through the same conversation he has with every new client — what “risk” really means, wh...
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Episode 26
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42:13
Ep. 25 | The 4% Fallacy: Why Lazy Planning Hurts Clients
Some financial planners still use the same flat “4% return” rate for every client’s retirement plan. Tré and Sierra explain why that’s not just inaccurate—it’s unprofessional. In this candid episode, Tré shares what happened at a due diligence ...
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Episode 25
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45:21
Ep. 24 | Should You Incorporate? What Canadians Should Know
Should you incorporate your business, or stick with a sole proprietorship? In this episode, Tré and Sierra unpack what a corporation really is, how it works, and why it’s one of the most powerful wealth-building tools available to Cana...
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Episode 24
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42:58
Ep. 23 | The Real Purpose of Insurance
Most people think insurance is for “what if I die?” scenarios—but that’s not the real risk. In this episode, Tré and Sierra break down how smart families and business owners actually manage risk. From life insurance to disability and liability ...
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Episode 23
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49:43
Ep. 22 | Buy Now, Regret Later.
“Buy now, pay later” sounds harmless. Four easy payments, no interest, and you’re done. But in this episode, Tré and Sierra Bynoe break down why services like Klarna are anything but free. They uncover how BNPL programs encourage overspending, ...
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Episode 22
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31:45
Ep. 21 | The Right Way to Use Your TFSA
“Tax-Free Savings Account” is a bad name. It’s an investment account, not a savings jar. In this episode, Tré explains what the TFSA really is, how to use it properly, and how it fits with your RRSP. You’ll learn the real contributi...
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Episode 21
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36:01
Ep. 20 | Compounding, Inflation, and Stock Splits — Made Simple
Want a $40,000 car but only pay $10K out of pocket? That’s the power of understanding time, interest, and inflation. In this episode, Tré and Sierra are joined by his in-laws to break down the basics of financial math using an online calculator...
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Episode 20
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41:22
Ep. 19 | How to Leave Money to Your Kids Without Screwing Them Up
Most wills don’t plan for reality. They ignore messy family dynamics, future kids, or the financial chaos that hits when parents die unexpectedly. In this episode, Tré Bynoe, CFP, CIM, shares how he and his wife structured their own estate plan...
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Episode 19
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29:45
Ep. 18 | Why RRSPs Are Overrated (Unless You Know What You’re Doing)
Most Canadians treat RRSPs like a retirement silver bullet, and most are using them wrong.In this episode, Tré explains why Registered Retirement Savings Plans (RRSPs) are powerful tools only when used strategically. He breaks d...
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Episode 18
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43:07
Ep. 17 | How to Give More to Charity and Pay Less Tax
Want to support a cause and cut your tax bill? This episode is for you.Tré explains how to give to charity in a smarter, more tax-efficient way — without spending more out of pocket. Whether you're tithing, giving to local rescu...
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Episode 17
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24:59
Ep. 16 | Why Most Canadians Miss Out on Free Money Through RDSPs
https://www.rdsp.com/calculator/ - LinkMost Canadians eligible for the RDSP have never opened one. That’s a costly mistake.In this episode, Tré breaks down why the Registered Disability Savings Plan is one of the most pow...
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Episode 16
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27:28
Ep. 15 | How Tré Invests — And What Most Investors Get Wrong
Most Canadians think investing is about picking the right stock, timing the markets, or chasing returns. It’s not. In this episode, Tré breaks down exactly how he manages his own investment portfolio, and why simplicity, tax-efficiency, and a c...
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Episode 15
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1:00:58
Ep. 14 | Budgeting on $400K+: Why High Income Doesn’t Equal Wealth
Earning over $400,000 a year puts you in a privileged position, but it also comes with bigger decisions, bigger risks, and bigger tax bills. In this episode, Tré breaks down how high earners can avoid the most common financial pitfalls and fina...
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Episode 14
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41:18