The Clear Money Mindset

It’s a new year—a fresh start to improve ourselves and deepen our understanding of finances, including topics we might shy away from, like legacy and estate planning. In this first podcast of 2025, Ben is thrilled to welcome back Ashley Harmon, a Lawyer specializing in estates. Ashley will explain why having a solid estate plan is essential for ensuring your assets are distributed according to your wishes, reducing legal complexities and taxes, and protecting your loved ones. As a lawyer with Hogarth Hermiston Severs, Ashley is passionate about helping individuals secure their hard-earned legacies and pass them on to future generations in practical, tax-efficient ways. Her expertise spans Estate Planning, Probate, Estate Litigation, Estate Administration, Adult Guardianships, and Real Estate.

To incorporate or not to incorporate is the question, a question with no definitive answer. In a world where starting a business has never been easier, choosing the right path can be overwhelming. A farmer or construction worker may have different considerations than a tech startup—but do they really? Today, we’re joined by the lively lawyer Sebastian Schmoranz from MSSH Lawyers. Sebastian will guide us through the intricacies of business structures, offering insights that can help protect both you and your future. Grab a seat and take a listen as your favorite neighborhood lawyer breaks down essential topics like: Should you incorporate? Key advantages and disadvantages Taxation and liability considerations Partnerships vs. sole proprietorships Transitioning between corporate structures Family business succession Share structure The role of a lawyer and accountant in business setup

Get ready for round 2. The back half of this real estate roundtable is now streaming. We've got mystery, excitement, and all things real estate! Ben is joined by Rob & Sandra Zanet from Team Zanet Mortgage Brokers, Alyssa Ismail from Century 21 Local Home Team Realty Inc., and Sebastian Schmoranz from MSSH Lawyers. Tune in as we dive into bridge financing, peak closing times, non-negotiable conditions, commercial vs. residential, quirky properties, and much more. This info packed conclusion is chock full of everything you need to know to purchase/sell a home in 2024.

Spring has sprung and our latest podcast is in full bloom. Tune in to our latest episode of The Clear Money Mindset, where we provide a spring update on the ever-evolving real estate market of 2024. Joining Ben is special guest Sebastian Schmoranz, a seasoned lawyer from McGregor, Sims, Schmoranz, Hart Professional Corporation based in Kingsville, Ontario. In this episode we explore current trends in the real estate market. This year looks to be a game changer for real estate, from rates coming down to the return of purchasing conditions. Other things we are musing about include: Commercial & Private Real Estate Conditions you should include on your home offer How to protect yourself from a simple mistake that could cost you thousands Appraisals, Overbidding and multiple bidders Investment Property Market, rentals & flipping Whether you're a first-time homebuyer, a seasoned investor, or a real estate professional, this episode provides you with the latest information that you need to know to navigate the dynamic real estate landscape in 2024.

Continuing the theme of balancing your money so you can live the life you want to live. Part 2 of this inspiring podcast is now streaming. Join Ben and Andrew Hallam, the esteemed author behind the acclaimed personal finance book "Balance” as they continue their conversation about how to spend for happiness, how to invest effectively, how to boost life satisfaction and enhance longevity.

Tune in to the most financially festive podcast of the season with your favourite financial five. The Team at Davies Financial is at it again for our annual Christmas podcast. Get ready for a sleigh ride of laughs, dad jokes, and all things merry and monetary. This year Ben is joined by the staff of Davies financial where Alicia, Victoria, Melissa, and Andrea tolerate Ben’s jokes on this company mandated Christmas podcast that have them questioning their career choice. Don’t miss out on the general merriment of: Dad Jokes Eggnogonomics Christmas Trivia Fun Festive Facts Grab a cup of Christmas cheer (and whatever you put in it to get it that way), throw your mistletoe outside & get ready to learn while you listen to a podcast that we hope is as fun to hear as it was to make. If it is not, don’t say we didn't warn you. The Clear Money Mindset & Davies Financial wish all of our listeners and clients a happy and safe holiday season. See you in 2024!

In part 2 of this podcast on disability insurance we delve deeper into the different components and reasons for disability insurance. Jamie Kenrick of RBC insurance and Ben continue their discussion and shed some light on this important product.

“Nothing is Certain but Death & Taxes”- Benjamin Franklin A Will is a great start to an Estate Plan and sometimes a properly done Will is enough, but sometimes a Will is not the best option when it comes to our final planning needs, and it can fall short - leading to a costly and stressful settlement after our death. In today's podcast we have Ashley Harmon, a Lawyer, and Partner with Hogarth Hermiston Severs LLP. Ashley specializes in Estate Planning. Ben and Ashley shine some light on a topic that is not always openly discussed but is important to understand, having a proper plan in place is essential and it can help relieve some of the burdens on your family after you pass away. Some of the topics include: ➡️The difference between a Will and an Estate. ➡️The scope of a Will. ➡️The various components of Estate Plans. ➡️How and when an Estate plan may be more advantageous than a Will. ➡️The legal considerations of both Wills & Estates.