The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.
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Thinking about selling your business? In this pilot episode, Joe Curry explains why many Canadian business owners struggle to sell—and how understanding the four main types of buyers can help you plan a smoother, more successful exit.
Joe breaks down the key differences between individual buyers, strategic buyers, financial buyers, and internal buyers (like family or employees). Each type of buyer comes with their own goals, expectations, and ways of doing deals.
Whether you're planning to retire soon or just thinking ahead, this episode will help you understand who your ideal buyer might be and how to prepare your business to sell for the best possible price.
Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.
The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.
Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
Business Exit Mastery Part 2: Avoid Pitfalls and Maximize Value with David Barnett
lundi 30 juin 2025 • Durée 22:49
Thinking of selling your business as part of your retirement plan? Don’t list it like a house and hope for the best.
In this episode, David Barnett is back on the show. He's a business consultant, author, and former business broker. He breaks down exactly what it takes to prepare, structure, and sell a business successfully.
David shares the full process, from business valuation and preparing financials to crafting a buyer-ready business profile and navigating due diligence.
What You’ll Learn:
✅ Why you can’t just “decide to sell” overnight
✅ The documents and systems buyers need to see
✅ How to prepare for due diligence and increase sale value
Here's what you're in for:
0:17 Understanding the Business Selling Process
01:33 Preparing Your Business for Sale
03:55 Creating a Business Profile
06:15 Due Diligence Explained
13:50 Timeline and Planning for Sale
17:33 Transferring Goodwill and Delegation
22:59 Final Thoughts and Contact Information
Learn why most businesses aren’t ready to sell, how to transfer goodwill from yourself to the company, and why exit planning is just good business strategy.
David Barnett is a seasoned expert in small and medium-sized enterprises, with a business degree from Bishop’s University and a background in e-commerce management. He has built a career spanning business brokerage, commercial finance, and consulting, helping entrepreneurs buy, sell, and grow their businesses. An Amazon best-selling author, Barnett continues to advise clients globally through his writing and advisory work.
Business Exit Mastery Part 1: Avoid Pitfalls and Maximize Value with David Barnett
lundi 30 juin 2025 • Durée 22:21
In this episode, Joe is joined by David Barnett, a seasoned expert in buying and selling small businesses. If you’re thinking about selling your business—now or in the future—this one’s for you.
David shares the biggest slip-ups owners make when trying to sell, like overpricing based on emotion instead of cash flow, and not realizing what buyers actually look for. They also talk about ways to boost your business’s value before selling—like reducing owner dependence, managing customer concentration, and keeping your equipment in good shape.
Here’s what you’re in for:
00:00 Selling Your Business? Avoid These Costly Mistakes First
00:24 Meet Our Guest + What You’ll Learn in This Episode
02:13 The Most Common Pitfalls Owners Regret Too Late
08:36 What Buyers Really Want — And How to Use It to Your Advantage
12:44 Simple Ways to Boost Your Business’s Value Before Selling
20:33 Final Tips + Where to Learn More Before You Sell
David Barnett is a seasoned expert in small and medium-sized enterprises, with a business degree from Bishop’s University and a background in e-commerce management. He has built a career spanning business brokerage, commercial finance, and consulting, helping entrepreneurs buy, sell, and grow their businesses. An Amazon best-selling author, Barnett continues to advise clients globally through his writing and advisory work.
The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom.
Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement.
The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.
EP 2: Tax Planning Opportunities and Pitfalls for Business Owners in 2024 With Matt Holmes, CPA
Épisode 2
mardi 8 juillet 2025 • Durée 33:34
Are you a business owner approaching retirement or just starting to think about a future sale?
In this episode of Retirement Planning Simplified, Joe sits down with Matt Holmes, partner at Homes Riseleys CPA, to uncover the biggest mistakes business owners make when it comes to succession planning and selling their business and how to avoid them. He explains new tax rules for 2024 and how they can affect business sales, including updates to the capital gains exemption, AMT, and anti-avoidance legislation.
Matt brings decades of tax and structuring experience to this conversation covering everything from tax-saving strategies to real-life horror stories of owners who waited too long to plan.
Here’s what you’re in for:
00:00 Common Mistakes in Business Value Creation
04:26 Importance of Planning for Unexpected Sales
07:28 Successful Business Transitions
11:07 Structuring and Tax Advisory for Business Owners
20:34 Nuances of Selling to Family vs. Third Parties
25:30 New Rules and Legislation for 2024
32:48 Conclusion
ABOUT MATT HOLMES
Matt Holmes is a seasoned tax advisor with over 25 years of experience helping small to medium-sized business owners achieve their goals through tailored business, tax, and accounting strategies. A Chartered Accountant and graduate of Ryerson University, Matt specializes in corporate reorganizations, estate planning, and succession strategies for owner-managed businesses across industries like healthcare, real estate, and tech. His expertise lies in tax minimization and wealth maximization, particularly during business transitions, sales, and generational transfers.
You can reach out to Matt through:
EP 4: The Overlooked CPP Strategy That Saves Business Owners Thousands with Aravind Sithamparapillai
Épisode 4
mardi 22 juillet 2025 • Durée 32:21
How Should Business Owners Pay Themselves? Salary vs. Dividends
In this episode of Retirement Planning Simplified, Joe Curry sits down with financial expert Aravind Sithamparapillai to talk about how business owners should structure their compensation. They break down the pros and cons of salary versus dividends, how CPP (Canada Pension Plan) fits into retirement planning, and what business owners need to know about tax integration.
You’ll also hear about:
When paying into CPP can actually help you in retirement
How RRSPs compare to CPP as retirement tools
How to avoid OAS clawbacks
What to consider when clearing out notional accounts
Whether you’re a small business owner or incorporated professional, this episode helps you make informed decisions about your compensation and long-term financial goals.
Here’s what you’re in for:
00:00 – Intro
00:07 – Common business owner compensation strategies
01:09 – How tax integration works
03:28 – When to choose dividends vs. salary
07:01 – Is CPP a cost or a future benefit?
09:25 – Understanding employee vs. employer CPP contributions
20:42 – RRSPs vs. CPP for retirement planning
27:29 – How taxes and government benefits affect your strategy
Aravind Sithamparapillai is a motivated and collaborative professional who brings a competitive edge, a team-first mindset, and a strong belief in the value of authentic relationships. He’s driven not just to succeed, but to support those around him and create a positive, lasting impact. Known for his dedication and integrity, Aravind approaches every challenge with energy, empathy, and a commitment to excellence.
EP 3: SDE VS EBITDA What's Business Worth?
Épisode 3
mardi 15 juillet 2025 • Durée 06:45
In this quick but powerful episode of Retirement Planning Simplified, Joe Curry explains what every small business owner needs to know before selling a business, especially if retirement is getting close.
Joe breaks down two important terms you always hear:
EBITDA — used for bigger companies with management teams.
SDE (Seller’s Discretionary Earnings) — used for most owner-operated businesses under $5 million in revenue.
You’ll learn what buyers really look for, how to tell which number fits your business, and why it matters so much for your selling price.
Joe also shares the 8 big things that can increase your multiple — like having a good team, clear financial records, steady growth, happy customers, and not being too dependent on you as the owner.
What You’ll Learn:
✔️ What EBITDA and SDE mean (00:01)
✔️ Which one fits your business (01:20)
✔️ 8 ways to boost your value before you sell (02:27)
Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.
EP 7: The Truth About the Value Gap and Growing Your Business
Épisode 7
mardi 12 août 2025 • Durée 11:41
In this episode, Joe Curry starts with a tough question: Could your business be worth far less than you expect?
Most business owners believe boosting sales and profits is the only way to grow business value. But that’s only one piece of the puzzle.
What You’ll Learn:
What the value gap really is and why it matters
Why increasing revenue and profit isn’t enough
How factors like owner dependence, recurring revenue, and customer concentration affect your business value
Joe shares practical tips on how to make your business less risky, more scalable, and ultimately more valuable even if you're not planning to sell anytime soon.
Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.
You can reach out to Joe through:
EP 6: Salary vs Dividends: Optimizing Business Owner Payouts with Braden Warwick
Épisode 6
mardi 5 août 2025 • Durée 24:34
How Should You Pay Yourself as a Business Owner? Salary, Dividends, or an IPP?
In this episode, Joe chats with Braden Warwick from PWL Capital about how business owners can pay themselves in the smartest way. They break down the pros and cons of taking a salary, dividends, or using an Individual Pension Plan (IPP), a lesser-known but powerful option.
Braden shares what he’s learned from co-authoring a paper with Ben Felix, and they talk through real-life examples. You'll learn how taxes play into each option, what “notional accounts” are (in simple terms), and how a flexible income plan could help you get the most from your money,both now and in retirement.
Here’s what you’re in for:
00:00 – Welcome and intro
00:24 – Meet Braden and his role at PWL
01:57 – What the research says about business owner pay
Braden Warwick is a PhD Research Engineer who loves turning complex research into practical, high-performing software. With a background in optimization, Monte Carlo and statistical analysis, and stochastic modeling, he’s passionate about solving tough problems and making data-driven tools that work in the real world. Braden has hands-on experience with GPU-accelerated simulations, parallel processing, and modern Python and JavaScript frameworks, bringing innovative ideas from theory to production.
EP 5: Is Your Business Exit Plan Enough To Afford Your Retirement? Mind the Wealth Gap
Épisode 5
mardi 29 juillet 2025 • Durée 10:31
How to Calculate Your Wealth Gap and Retire on Your Terms
If you sold your business tomorrow, would it fund your retirement? In this episode of Retirement Planning Simplified, Joe Curry breaks down how to calculate your “wealth gap”, the difference between what you need for financial independence and what you already have saved outside your business and home.
You’ll learn why this number is the foundation for both retirement and exit planning, how to use the 4% rule for back-of-the-napkin math, and what business owners can do today to close that gap and retire with confidence.
Here’s what you’re in for:
00:00 The Big Question About Retirement
01:50 Calculating Your Wealth Gap
02:07 Retirement Lifestyle Goals
02:52 Income from Investments: The 4% Rule
03:33 Considering Taxes in Your Wealth Gap
03:57 Assets and the Wealth Gap
04:45 Closing the Wealth Gap with Your Business
05:12 Financial Independence vs. Retirement
05:31 Reverse Engineering Your Business Sale
06:56 Example Walkthrough
08:13 The Importance of Early Exit Planning
09:50 Conclusion: Bridging Business and Retirement
Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.
Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.
The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.
Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.
The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.
Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.
The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.
Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.
The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.
Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.
Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.
Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.
The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.
Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.
Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
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