Your 60/40 Investment Portfolio Is Not Actually 60/40. A Canadian Business Owner Case Study

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Are you an incorporated professional sitting on hundreds of thousands in your corporate account—but too nervous to invest it?

Many business owners find themselves in this exact bind. You’ve built a thriving practice, cash is piling up, but fear of illiquidity, taxes, or a market downturn keeps that money sitting idle. Meanwhile, inflation erodes its value and passive income taxes take half your gains. This episode dives into the real-life case of “Mark,” a medical professional from Calgary with over $700,000 in retained earnings, and unpacks how he can move from analysis paralysis to strategic growth. We explore why fear-based “safety” can actually be costly, how to structure your retained earnings for flexibility, and how to align your investments with both logic and emotion.

In this episode, you’ll discover:

• How to balance liquidity with long-term growth inside your corporation without triggering punitive tax hits.
• Why your retained earnings portfolio might be more conservative than you think—and how to fix it.
• The strategy top professionals use to turn idle corporate cash into a tax-efficient, growth-producing reservoir.

If you’re ready to stop letting your retained earnings stagnate and start building lasting corporate wealth, press play now and learn how to make your money work as hard as you do.

Discover which phase of wealth creation you are in. Take our quick assessment and you’ll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.

Canadian Wealth Secrets Show Notes Page:

Consider reaching out to Kyle

• …taking a salary with a goal of stuffing RRSPs;
• …investing inside your corporation without a passive income tax minimization strategy;
• …letting a large sum of liquid assets sit in low interest earning savings accounts;
• …investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,
• …wondering whether your current corporate wealth management strategy is optimal for your specific situation.

Canadian business owners seeking financial freedom in Canada can unlock powerful opportunities by aligning retained earnings with smart investment strategies and principles of behavioral finance. Through thoughtful corporate finance planning and attention to liquidity and tax implications, en

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Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.