Episódios
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Today I'm thrilled to host Dr. Neel Chadha. Neel is a family physician who made the bold decision to go all in on developing retirement residences for seniors.
https://lanarklifestyles.ca/https://www.linkedin.com/in/dr-neel-chadha-44829013b/
This is a story of embracing new opportunities, taking calculated risks, & pursuing a focused life to find success.
Discussion Points:
Introduction (1:35)
From family medicine & geriatrics to developing senior homes (5:15)
Neel's decision to leave the hospital & go all in on senior living (6:55)
Neel's retirement residence community (9:35)
Senior living in Canada - status quo, supply/demand (12:00)
Investing in senior living - key metrics to track (16:25)
Navigating interest rates & other challenges in 2023 - key takeaways (18:42)
Why a focused life is critical for success (23:30)
The importance of mentorship (26:05)
What Neel wants to be known for (30:25)
Closing remarks (31:10)
This episode features Arya EHR - https://www.aryaehr.com/
**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)
Neel:
Email: [email protected] LinkedIn: Yatin Chadha
Yatin:
Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCPhttps://americanexpress.com/en-ca/referral/cobalt?ref=yATINCYEoc&XLINK=MYCP
Ways to support beyond MD: -
The idea for today's pod was born after a riveting conversation on a flight to Florida. I'm happy to host Matthew Lee & Ming Lim from Volition Properties to learn how they've built wealth through investing in multifamily properties in the Toronto core.
Discussion Points:
- Introductions - worth it, I promise (1:30)
- Introduction to Volition (8:15)
- The investment thesis for multifamily in Toronto (10:35)
- Investment locations (19:50)
- Why tenants are so critical to the business model (23:45)
- Are there opportunities currently in Toronto? (25:30)
- What about areas outside the city core primed for more gentrification? (29:55)
- How do you turn properties into meaningful cash flow later? (33:30)
- The numbers behind a recent deal (44:55)
- How many properties does one need to exercise this strategy? (48:10)
- Price per square foot, the reason for 2-3 bedroom suites (51:00)
- 101 on laneway suites & the status quo in Toronto (53:20)
- Parting words (1:01:15)
Volition Properties:
FREE Monthly investor meetup:
https://www.meetup.com/Volition/
Detailed info on the condominiumization meetup Oct 29th, 2024https://www.meetup.com/volition/events/302351457/?eventOrigin=group_events_list
[email protected] www.volitionprop.com 1-877-416-BRRRwww.facebook.com/VolitionPropwww.instagram.com/volitionpropertieswww.ca.linkedin.com/company/volitionpropwww.youtube.com/@VolitionProperties
Contact info:
https://www.physiciansficonference.com/
Physician Financial Wellness Conference:
Email: [email protected]: Yatin Chadha
Yatin Chadha:
Share beyond MD with your networkAmex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
Ways to support beyond MD: -
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Today is a little different on beyond MD. My incredible wife, Sima Acharya, interviews me to uncover money & life lessons I've learned over time. Plus, we talk about lessons we've learned as a couple.
Email: [email protected]: Yatin Chadha
Discussion points:
Sima's introduction (2:00)
Starting an idea - how & why beyond MD came to be (6:15)
Your spouse doesn't have to be a sounding board for everything (11:45)
The biggest lessons learned over time (13:50)
What concepts from the pod have I put into practice? (21:40)
What podcast topics have I intentionally avoided today? (27:59)
Lessons for the kids (33:00)
Our evolution when it comes to being aligned financially (35:50)
Most memorable beyond MD episodes (42:50)
My 3 favourite books (45:50)
My dream podcast guests (49:00)
Future ideas for beyond MD (50:50)
Yatin Chadha:
Share beyond MD with your networkAmex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
Ways to support beyond MD:
https://andrewhallam.com/balance/https://www.amazon.ca/100-Baggers-Stocks-100-1/dp/1621291650https://www.amazon.ca/AM-Club-Morning-Elevate-Life/dp/1443456624https://www.lynalden.com/
Books & resources discussed on this episode: -
Today I host my friend & colleague, Dr. Matt Poyner. Matt breaks down the Registered Education Savings Plan (RESP) & other ways to optimize finances when it comes to our kids' education.
[email protected]://PoynerFinancial.cahttps://dividendstrategy.ca/blog-2/
Matt is a long time blogger at dividendstrategy.ca, physician, & is now passionate about offering flat fee financial planning.
Discussion Points:
- Matt's journey & foray into financial planning (2:34)
- Basic RESP overview (14:15)
- RESP set up - family vs specified (21:05)
- Optimal RESP contribution strategy (23:09)
- Investing approach inside an RESP (31:32)
- RESP withdrawals & understanding the RESP buckets (37:26)
- RESP options if your child doesn't go to school (44:00)
- Thoughts on optimizing student financial aid (48:44)
- Spending time with the kids - Matt's perspectives (57:50)
Matt:
Email: [email protected] LinkedIn: Yatin Chadha
Yatin:
https://dividendstrategy.ca/blog-2/https://postcall.ca/subscribe?ref=YJc1MtZLsq&_bhlid=f71f181c85b22d7c236a5b072534f69e25f99241https://rhombus-butterfly-rwgm.squarespace.com/updatesininpatientmedicinehttps://www.looniedoctor.ca/2023/04/21/resp-contribution/https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4092/registered-education-savings-plans-resps.html
Episode Links: -
Mark Halpern (CFP, TEP, MFA-P) is one of the top voices in tax efficient philanthropy in Canada. Earlier this year, Mark interviewed me on the reasons to give, and I came up with 4 reasons important to me that I hope you will find useful.
Discussion Points:
- my background & journey (3:00)
- the journey of beyond MD (6:02)
- how my interest in philanthropy evolved (11:20)
- reason #1 to give: giving makes is happier - what is the evidence? (13:10)
- reason #2 to give: imparting valuable lessons to our children (20:05)
- how to talk to our kids about giving (25:56)
- reason #3 to give: networking & entrepreneurship (29:00)
- reason #4 to give: financial benefits (33:20)
- numerical example of transferring appreciated stock from your corporation (35:30)
- how to make your charitable gifts more meaningful (39:30)
Yatin Chadha:
Email: [email protected]
LinkedIn: Yatin Chadha
Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
Mark Halpern:
https://wealthinsurance.com/
https://powerofplatinum.com/
https://www.linkedin.com/in/markhalperncfptepmfap/
[email protected]
Links from this episode:
https://wealthinsurance.com/webdoc/TaxLetter-The-Entrepreneurial-Philanthropist.pdf
https://mycharityfund.ca/
https://www.givewise.ca/
Ways to support beyond MD:
Share beyond MD with your network
Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP -
I'm thrilled to host my friend & colleague, Arjun Saraf (CPA, CA, EMD). We focus on Mortgage Investment Corporations, with a focus on understanding the challenges in the current environment & key considerations when navigating this investment strategy.
Email: [email protected] LinkedIn: Yatin Chadha
Discussion points:
- Arjun's professional background (5:33)
- Quick overview on New Haven's MIC (6:57)
- Understanding equity based lending (8:50)
- How does a high interest interest rate environment impact a MIC? (12:00)
- The MIC business landscape today (15:07)
- Tax treatment of MIC investment income (17:41)
- Current trends on arrears (18:25)
- Thoughts on interest rates (25:45)
- Risk mitigations strategies within a MIC (29:40)
- Key lessons learned running a business in this environment (35:13)
- MICs vs other fixed income investment strategies today & when rates fall (36:30)
- 3 Key questions to ask before investing in a MIC (39:40)
- Time to liquidity/getting your money out (43:20)
- Arjun's most valuable lesson (47:25)
- My perspectives (49:50)
Yatin:
[email protected]://www.linkedin.com/in/arjun-saraf-cpa-ca-emd-b0667022/https://www.newhavenmortgage.com/
Arjun: -
Today I'm excited to host Justin Manning, a licensed life & health insurance broker from BC, to talk about a topic I've been getting many questions on lately: Health Spending Accounts, HSAs.
Email: [email protected] LinkedIn: Yatin ChadhaAmex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
Discussion Points:
- Justin's background (4:05)
- What is an HSA/PHSP (4:45)
- HSA eligibility (5:42)
- Who could benefit from an HSA? (9:45)
- What services are covered by an HSA? (11:20)
- Can travel insurance be covered by an HSA? (13:29)
- Specific services covered/not covered by an HSA (14:20)
- The mechanics of how an HSA works (16:55)
- How much coverage are we allowed through an HSA? (19:49)
- Plan customization, wellness spending accounts (22:22)
- Set up, key questions, costs (26:26)
- Any HSA cons (?), potential misuse (32:28)
- No need to prove health (36:38)
- Can provincial plans like OPIP be paid through by our corporation (37:17)
- Justin's closing thoughts, what if I already have a good group plan? (38:37)
- My perspectives (42:30)
This episode features Arya EHR - https://www.aryaehr.com/
**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)
Yatin:Justin:
https://www.linkedin.com/in/justin-manning/https://justinmanning.com/[email protected] -
Today I'm thrilled to welcome Jason Pereira, award winning financial planner to the show to re-explore pension plans for professionals. The focus is on the IPP, the individual pension plan.
Discussion Points:
- Individual Pension Plan (IPP) overview (2:40)
- Jason's background (5:25)
- key definitions - defined benefit (DB) & defined contribution (DC) pensions (6:10)
- how is the DB of an IPP calculated? (7:18)
- When to start an IPP? Thoughts on waiting longer & reducing fees (11:20)
- Who is the ideal candidate for an IPP? (14:08)
- Is there an income threshold below which an IPP makes no sense? (16:25)
- Is there a ceiling to the DB? (18:05)
- Jason's thoughts on the RCA (21:02)
- IPP vs PPP (26:00)
- Does is make sense to place conservative assets inside the DB component? (30:33)
- Is the contribution amount similar across different pension types? (32:28)
- Navigating the pension landscape (32:50)
- IPP vs RRSP & Spousal RRSP (34:30)
- IPP vs investing in a corporation with new cap gains rules (35:15))
- Common mistakes professionals & business owners are making (37:45)
- Improvements upcoming to financial planning in Canada (42:26))
- The most valuable lesson Jason has learned (50:00)
Yatin:
[email protected]
https://www.linkedin.com/in/yatin-chadha-29074b109/
Jason:
https://jasonpereira.ca/
https://jasonpereira.ca/financial-planning-for-canadian-business-owners-podcast-jason-pereira
https://www.linkedin.com/in/pereirajm/ -
I am delighted to host international best selling author, Andrew Hallam, on today's episode.
We have a wide ranging discussion on the pillars of a successful life, the relationships between money & home ownership & happiness, spending money to enhance life satisfaction, evidence-based investing for success & simplicity, relationships, purpose, & lessons learned living abroad.
Discussion Points/Chapters:
- Andrew's background (1:40)
- The requisites of a balanced & successful life (5:35)
- The relationship between income and happiness (7:30)
- How should we spend our money? (10:40)
- The desert island litmus test (15:55)
- Is home ownership associated with happiness? (18:05)
- Is our happiness impacted by the neighbourhood we live in? (21:59)
- How much of our income should we spend on a home? (25:10)
- Why our investment horizon should be 30+ years (27:10)
- Should you lump sum invest now or wait? (31:30)
- Andrew's take on one stop shop ETFs (38:00)
- My investment approach & challenges (42:30)
- Key questions to as a financial advisor (46:17)
- How to think less about $$ and embrace balance (50:00)
- Why relationships are so important (52:99)
- Meaningful relationships in a world where social media is ubiquitous (54:38)
- Lessons from living abroad, advice for those considering it (59:00)
- The power of giving (1:02:30)
- Finding your purpose (1:04:35)
- My perspectives (1:09:15)
Andrew's books:
https://www.amazon.ca/Balance-Invest-Happiness-Health-Wealth/dp/1774580756https://www.amazon.ca/Millionaire-Teacher-Wealth-Should-Learned/dp/0470830069
https://www.amazon.ca/Millionaire-Expat-Wealth-Living-Overseas/dp/111941189
Yatin:
Email: [email protected] LinkedIn: Yatin Chadha -
Welcome back to beyond MD! Do you have an idea you want to bring to the world? If so, this episode is for you.
Email: [email protected] LinkedIn: Yatin Chadha
Today I sit down with Matija Kamikovski, CEO of Precision Finance. Matija has more than a decade of experience leading finance teams at start ups.
Discussion Points:
Matija's background in guiding startups (4:10)
Coming up with a sustainable business idea (7:50)
How to get data on the usefulness of your idea (10:25)
How do you know people will pay for your idea? (13:05)
Attributes leading to success/failure in entrepreneurship (14:45)
How do you actually get started? (17:59)
The financial metrics you need to track in the early days - cash, burn, runway (25:10)
Growth at all cost vs bootstrapped businesses (27:03)
How often should we track the financial metrics? (29:30)
Operating as a sole proprietor vs incorporating the business - set up, liability, tax deductions (30:30)
Budgeting, accounting, bookkeeping - guidelines & platforms (37:50)
When should a company start outsourcing tasks? (43:20)
Potential pitfalls of hiring to quickly (45:00)
The importance of sales (47:41)
Exit strategies (50:13)
What % of percentage of start ups fail? Don't let the thought of failure stop you (53:27)
Closing thoughts by Matija (55:12)
My perspectives
This episode features Arya EHR - https://www.aryaehr.com/
**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)
Yatin:Matija:
[email protected]://www.precisionfinance.ca/https://www.linkedin.com/in/matijakamikovski/ -
I'm thrilled to host Ali Spinner, one of Canada's most trusted voices in tax, on the implications of the proposed hike in the capital gains inclusion rate.
Email: [email protected] LinkedIn: Yatin Chadha
Discussion Points:
- Tax 101 & What happened to the capital gains inclusion rate (0:55)
- Numerical example with 100K capital gains (5:51)
- Has tax integration been violated? Where should we hold certain assets like rental properties? (6:25)
- Is it still worthwhile incorporating? (13:30)
- A brief history of the capital gains inclusion rate (16:48)
- What can investors do?:
a) absolutely nothing (19:05)
b) selling assets and impact of Alternative Minimum Tax/AMT & GAAR/General anti-avoidance rules (21:07)
c) tax planning through insurance and pension plans (29:10)
d) departure tax for those considering leaving Canada (32:05)
- Change in Lifetime capital gains exemption/ LCGE, capital gains exemption for entrepreneurs (34:10)
Yatin's Links:Ali Spinner:
[email protected] -
I'm happy to have Dr. Kevin Mailo back on the show to discuss what he's learned from investing in real estate (RE) over the last 15 years. We talk about winners and laggards in the portfolio, property managers, challenges with direct ownership in RE, the importance of due diligence in private equity, & how critical it is to understand your "why" in investing.
Email: [email protected] LinkedIn: Yatin Chadha
Physician Empowerment's Toronto conference occurs May 25-26 this year and you can save $100 using the discount code YATIN24 at: https://www.physempowerment.ca/live
Discussion Points:
- Kevin's reflections on his RE investing journey so far (4:09)
- Property managers and cognitive overload (8:55)
- Letting go of (challenging) properties & learnings (10:30)
- Kevin's RE portfolio (13:06)
- Characteristics of good RE investments in the portfolio, investing in Alberta (14:42)
- Properties that haven't worked out, details on preconstruction condos (17:10)
- Advice for those starting RE investing today (23:05)
- Reflecting on how many properties to hold for retirement (27:10)
- How does private equity investing work? (29:55)
- Private equity and due diligence (33:34)
- Private equity investment timelines & return types (36:68)
- Public vs Private investment breakdown/rules of thumb (39:15)
- Public REITs (40:08)
- Goals for the next few decades (40:59)
Links:
Yatin's Links:Kevin's Links:
[email protected]://www.physempowerment.ca/live -
In this episode I sit down with Parish Bhumgara from Gardiner Roberts LLP to discuss corporate shareholder agreements (CSA).
Email: [email protected] LinkedIn: Yatin Chadha
Discussion points:
- Parish's background (2:05)
- Corporate shareholder agreements/CSAs: what & when? (2:40)
- CSAs: who should consider this? (3:45)
- CSA structure (6:20)
- CSA share types (8:05)
- Key details to be outlined on a CSA (11:03)
- Unanimous shareholder agreements (16:33)
- Scenarios where CSAs really help (17:33)
- Separate corporation to invest in Real Estate (19:52)
- Corporations as a way to reduce liability (21:55)
- Any disadvantages to CSAs? (23:30)
- CSA set up (24:45)
- CSA cost (25:05)
- Transferring shares (27:18)
This episode features Arya EHR - https://www.aryaehr.com/
**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)
Yatin:
[email protected]
Parish: -
Today I discuss some of my investments. There have been wins along with some subpar performances. I've also caught myself occasionally falling into common investing traps. Today I address it all and what I've learned from my experiences.
Email: [email protected] LinkedIn: Yatin ChadhaBook recommendation: Balance by Andrew Hallam
Discussion points:
- #1: focusing too much on price (4:46)
- #2: the importance of understanding what you are investing in (9:48)
- #3: sometimes it pays to take less drastic action (17:35)
- #4: investing in the market at all time highs (25:54)
Companies discussed: DIS, CVS, SIA.TO, NVDA
ETFs: XAW.TO
Links:
Yatin's Links: -
Today I welcome Kim GC Moody, one of our country's top tax experts, to discuss AMT (Alternative Minimum Tax) changes for 2024 & beyond and the potential implications for high income earners in Canada.
capital gainscapital gains + carry forward capital losscapital gains, eligible dividends, + charitable donation
The podcast has 3 segments:
1) AMT history & mechanics
2) AMT changes
3) AMT Scenarios
Discussion Points:
AMT basics (0:47)
Table of contents (2:07)
Kim Moody's bio (2:41)
Intro (3:58)
AMT intro, history, & mechanics (6:33)
How are tax decisions made in Canada? (12:12)
How has AMT changed in 2024? (15:45)
Are more people leaving Canada due to excess tax? (20:00)
AMT - there is a provincial part, no impact on corporations (24:32)
Impact of AMT on capital gains (25:20)
Impact of AMT on carrying forward capital losses (27:08)
No impact on eligible dividends (27:55)
Impact of AMT on lifetime capital gains exemption (28:35)
Impact of AMT on charitable gifting (30:05)
Impact of AMT on stock options (36:12)
Impact of AMT on trusts (37:14)
Impact of AMT on carrying forward interest charges for rental properties (38:00)
AMT calculations for specific scenarios (39:34)What % of people will be impacted by AMT? (47:42)
Closing remarks (50:15)
Kim Moody:
website: https://moodysprivateclient.com/
LinkedIn: https://www.linkedin.com/in/kimgcmoody/
email: [email protected]
Kim's podcast: https://kimgcmoody.podbean.com/
Yatin Chadha:
[email protected]
https://www.linkedin.com/in/yatin-chadha-29074b109/ -
I'm thrilled to host Dimitre Ranev, MD. Dimitre is a savvy mind when it comes to DIY investing. I've benefitted from his wisdom over the years & I'm excited to pick his brain on his investing approach today.
This episode features Arya EHR - https://www.aryaehr.com/
**I endorse only products/services I personally use or would use. I can get commissions that will be used to offset the costs of running this podcast :)
Discussion Points:Guest Introduction (3:13)
An overview of Dimitre's portfolio & investing approach (8:30)
Dimitre's process behind analyzing a company (12:54)
Dividend investing - what to consider (16:58)
Payout ratios, valuation, P/E ratio relative to historical norms (20:12)
Investing during inflationary times (23:30)
Time required to invest in individual companies (29:36)
Behavioural tendencies, having the right investor psychology, minimizing irrational behaviour (30:44)
The importance of rebalancing your portfolio (35:47)
Financial considerations as we pivot from early to mid career (39:05)
Dimitre's preferred resources for learning about investing (41:50)
Rapid fire (47:25)
Dimitre’s advice on building wealth (49:28)
LinkedIn: https://www.linkedin.com/in/dimitre-ranev-he-him-0b941495/Primary medicine podcast: https://podcasts.apple.com/ca/podcast/primary-medicine-podcast/id1022330537
Dimitri’s Links:
Email: [email protected] LinkedIn: Yatin Chadha
Yatin:
-
I'm thrilled to welcome back our colleague, Dr. Ketan Kulkarni, who is a pediatrician, coach, author, & entrepreneur.
This is a fun and wide ranging interview. We discuss Ketan’s new book, Soar: A Soul's Quest (link below), what a rich & successful life means to us, how to stick to our core values, time management, financial needle movers, bringing out the best in our kids, & more.
Discussion Points:Ketan’s new book, Soar (2:48)
Lessons learned after writing 2 books (9:45)
Tips for writing a book (15:34)
Navigating through multiple interests, beating burnout, & establishing your metrics for success (18:12)
Strategies for living a life aligned with your core values (21:54)
Ketan's thoughts on seeking coaching & advice during the journey (24:25)
Beating limiting thoughts & breaking through (26:20)
Specializing vs thriving through multiple pursuits (28:38)
Deep learning as a remedy for burnout (32:24)
Time management hacks to live a balanced life (35:04)
What financial practices have been most impactful for Ketan? (38:35)
Parenting & bringing out the best in your kids (43:57)
Favourite books (49:40)Ketan’s Links
● Soar: A Soul's Quest by Ketan Kulkarni, Christopher Morris, and Francis Yoo
● The Legendary Quest: ForProfessionals Seeking Inner and Outer Excellence and Authentic Fulfillment by Dr. Ketan Kulkarni and Dr. Francis Yoo
● Limitless Expanded Edition Upgrade Your Brain, Learn Anything Faster, and Unlock Your Exceptional Life by Jim Kwik
● The 5AM Club: Own Your Morning. Elevate Your Life by Robin Sharma
● The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company by Robert Iger
Yatin:
● E-mail: [email protected]
● LinkedIn: Yatin Chadha
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Thanks for tuning in to part 2 of multiple streams of income with Dr. Stephanie Zhou.
One thing I hope people can take away from these interviews is that it's possible for many of us build a diverse and rewarding career....the multiple streams of income is the cherry on top.Discussion Points:
Getting paid to offer advice in your area of expertise (0:37)Steph's approach to venture capital (6:08)
Income through traditional investments (12:52)
Income potential through social media (16:05)
Exploring the distinctions between podcasting and YouTube in terms of monetization (19:35)
Real estate investments and their relationship to a potential recession (22:40)
Physician Financial Wellness Conference (26:46)Stephanie Zhou:
•Stephanie’s Instagram
•Stephanie’s LinkedIn
•Stephanie’s Youtube Channel
•HaloHealth
My Links:
•LinkedIn: Yatin Chadha
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Join Dr. Stephanie Zhou in today's episode as she dives into her diverse career and the streams of income that come with it.
Dr. Steph specializes in addictions medicine at Sunnybrook Hospital, leads the Financial Literacy Curriculum at the University of Toronto, started the annual Physician Financial Wellness Conference, and was recognized among Canada's 100 most influential women in 2022.Tune in for an insightful conversation on multiple streams of income!
Discussion Points:
The different types of income streams (4:30)
How Dr. Steph’s practice is structured and the various streams of income that comes within it (6:37)
Does doing a variety of things lead to burnout or sustenance? (12:37)
Doing non-destructive focused work (13:24)
How admin work gives you time and geographical freedom (19:23)
Asking professional compensation when getting invited to speak in talks and conferences (20:13)
Managing your time (24:00)
How income works in board memberships (27:10)
Stephanie Zhou:
•Stephanie’s Instagram
•Stephanie’s LinkedIn
•Stephanie’s Youtube Channel
•Thinking Fast and Slow by Daniel Kahneman
•Deep Work by Cal Newport
My Links:
•E-mail: [email protected]
•LinkedIn: Yatin Chadha
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Hello all! We decided to add a few details to Part 4 on Permanent Life Insurance with Jeff Bernstein (CLU, MFA-P).
While some may elect to cancel policies, there are also options for navigating policies without fully exiting, which are covered here in a quick summary:
1. APL (Automatic Premium Loan)
2. RPU (Reduced Paid-Up Option)
3. Premium Offset
[email protected]
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