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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.
Plain English Finance
Ep. 9 | Tax-Efficient Debt: How the Right Structure Can Save You Thousands
Most Canadians treat debt as a burden and taxes as a given. But what if you could flip that thinking and turn your debt into a tax advantage?
In this episode, Tré breaks down how to structure debt so the interest becomes tax-deductible. He outlines strategies that can save you tens of thousands over time, especially if you’re a business owner, landlord, or hold non-registered investments.
You’ll learn:
- Why minimizing tax over your lifetime beats avoiding a tax bill today
- How to turn your mortgage into a tax-deductible investment loan
- What the Smith Maneuver is—and how it can transform your finances
- Common mistakes that ruin deductibility (and how to avoid them)
- Why structure and discipline matter more than ever in this strategy
- When you shouldn’t attempt this on your own
Taxes need to be paid, but you should only pay what you need to. Subscribe, review, or share this episode with someone who needs to hear it.
