Retirement Straight Talk With Paul & William

Take control of your retirement & get started with a complimentary retirement assessment: https://calendly.com/westendwealth/introcall?back=1&month=2026-01In Part 2 of our “Investing Myths” series, William and Paul Barreca return to tackle seven more common (and costly) investing myths — this time focused on portfolio construction, diversification, and so-called “safe” investments.These are the myths that trip people up after they’ve started investing — often without realizing it.💡 In this episode, we debunk:❌ “Fallen stocks always bounce back”❌ “More holdings = more diversification”❌ “Successful investors are big risk takers”❌ “50% loss + 50% gain = break-even”❌ “Gold is a safe haven”❌ “High dividend = safe stock”❌ “Bonds are risk-free”📊 Backed by data from YCharts, Hartford Funds, and real-world client experience, this episode is a masterclass in long-term investing clarity.The views and opinions expressed in this podcast may not necessarily reflect those of IPC Securities Corporation. This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions.

Take control of your retirement & get started with a complimentary retirement assessment: https://calendly.com/westendwealth/introcallIn this first episode of a special 2-part series, Paul and William Barreca debunk the most persistent investing myths. From market timing and volatility fears to the belief that cash is "safer," they break down 6 out of 13 myths using real numbers, client stories, and behavioural finance insights.If you’ve ever felt uncertain about when or how to invest… this episode is for you.💡 What You’ll Learn:• Why trying to time the market almost always backfires• How “safe” cash quietly loses you money over time• Why volatility ≠ risk• What makes investing totally different from gambling• The truth about “Sell in May and Go Away”• Why the “right time to invest” is probably now📈 Featuring insights from YCharts, Hartford Funds, and Wells Fargo.The views and opinions expressed in this podcast may not necessarily reflect those of IPC Securities Corporation. This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions.

Ready to retire with confidence? Book your free retirement assessment: https://calendly.com/westendwealth/introcallIn this special guest episode of Retirement Straight Talk, William and Paul Barreca welcome entrepreneur, wealth advisor, and IPC co-founder Chris Reynolds to share insights from his new book, The Six Circle Strategy.After 30+ years helping business owners build, grow, and exit successfully, Chris has distilled his experience into a practical, powerful framework for aligning your business, wealth, and personal freedom.💡 In this episode, you’ll learn:✔️ What the Six Circle Strategy is and how to apply it✔️ How to reconnect with your vision when you’re feeling stuck✔️ Why fulfillment (not just revenue) should be your metric for success✔️ How to avoid burnout by building trust and focus into your business✔️ Real-life lessons from 30+ years in entrepreneurship and advising📘 Get Chris’ New Book:The Six Circle Strategy: The Entrepreneur’s Journey to Wealth and Freedom→ Buy now or learn more at: https://chrissreynolds.ca🎙️ Listen to Chris' podcast:Turning the Page: https://www.ipcc.ca/turning-the-page-podcastThe views and opinions expressed in this podcast may not necessarily reflect those of IPC Securities Corporation. This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions.

What does 35 years in financial planning really teach you?In Part 2 of this special Retirement Straight Talk series, Paul and William Barreca share the final five lessons from Paul’s 35-year career helping Canadians plan smarter, invest better, and avoid the mistakes that derail financial freedom.🎯 In this episode, you'll learn:Why the basics of wealth-building still work (but most people ignore them)The real reason you need insurance, and how to view it differentlyWhy your portfolio is not your planHow procrastination quietly kills your dreamsWhy great financial advice might be your best investment📘 PLUS - Free Resource9 Tax & Retirement Strategies Every Business Owner Needs to KnowLearn nine smart ways to protect your family, reduce tax, and make better long-term decisions for your business.👉 Download your copy: https://www.westendwealth.com/free-whitepapers📞 Want to talk through your plan? Book a no-pressure conversation at: https://calendly.com/westendwealth/introcall?month=2025-11

What do 35 years in the wealth planning business teach you?After over three decades in the wealth planning business, Paul has seen just about everything.In Part 1 of this special 2-part series, Paul Barreca shares the first five timeless truths he’s learned from decades of helping clients plan, invest, and navigate financial decisions.This is a candid conversation about the real lessons that matter. The ones that help you protect your freedom, control your outcomes, and keep your financial life aligned with your real goals.🎙️ You’ll hear:✔️ Why money = freedom (not happiness)✔️ Why investing is not gambling✔️ The danger of overconfidence✔️ Why a written plan matters more than a market prediction✔️ The counterintuitive secret to investing success🔔 Like, subscribe, and share! Have questions after today's episode? Book a call: https://calendly.com/westendwealth/introcall?month=2025-10👉 Checkout Our Free guide: “How to Build Your Dream Retirement Plan—and Avoid 7 Pitfalls That Can Derail It”: https://www.westendwealth.com/build-your-retirementTrademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Tribar Financial Inc.

You saved, invested, and planned, but now comes the real question: How do you actually use your money in retirement?In this episode of Retirement Straight Talk, William and Paul break down the often-overlooked - but critical - concept of income sequencing: the order you draw from accounts like RRSPs, CPP, TFSAs, pensions, and corporate assets in retirement.You’ll learn:• A 5-step framework to build your personalized drawdown plan• The risks of generic advice (like “always delay CPP”)• Why RRIF shocks and OAS clawbacks catch retirees off guard• When the “RRSP meltdown” strategy makes sense - and when it backfiresª Real-world case studies that show how timing changes everythingWhether you’re 5 years from retirement or already drawing income, this episode will help you avoid costly mistakes and give you more peace of mind.🔔 Like, subscribe, and share! Have questions after today's episode? Let us help. Book a call: https://calendly.com/westendwealth/introcall?month=2025-10👉 Check out Our Free guide: “How to Build Your Dream Retirement Plan—and Avoid 7 Pitfalls That Can Derail It”: https://www.westendwealth.com/build-your-retirementTrademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Tribar Financial Inc.

Thinking of adding your child to the ownership of your home, bank accounts, or investments to “make things easier”? This common estate planning shortcut could cost your family far more than you realize. In this episode of Retirement Straight Talk, William and Paul dive into: • What joint ownership really means (and why it's often misunderstood) • When it works and when it can cause major tax and legal issues • The surprising risk of losing control of your home • Real-life stories of family conflict, CRA penalties, and unintended fallout • Better alternatives: powers of attorney, trusts, clear documentation, and more This is one of those episodes that could save your family thousands and a whole lot of heartache. 🔔 Like, subscribe, and share! Have questions after today's episode? Let us help. Book a call: https://calendly.com/westendwealth/introcall?month=2025-09 👉 Check out Our Free guide: “How to Build Your Dream Retirement Plan—and Avoid 7 Pitfalls That Can Derail It”: https://www.westendwealth.com/build-your-retirement Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Tribar Financial Inc.

Retirement isn’t just about saving enough. It’s about avoiding the hidden risks that can quietly undo everything you’ve built.In this episode of Retirement Straight Talk, Paul and William unpack 6 retirement risks most Canadians miss and how to plan smarter so you can protect your freedom and peace of mind. What you’ll learn:• Why taxes may rise, not fall, in retirement - and what you can do about it• Why dividends can mislead you• Market timing almost always backfires• How playing it “safe” too early costs you later• How diversification is resilience• And why purpose is as vital as money👉 Protect your retirement. Download your free guide here: https://www.westendwealth.com/build-your-retirement🔔 Like, subscribe, and share! Have questions after today's episode? Book a call: https://calendly.com/westendwealth/introcall?month=2025-08“Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated wealth management company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through Tribar Financial Inc.