Explorez tous les épisodes du podcast The Canadian Money Roadmap

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In this episode, Evan and Sam examine an article that oversimplifies the mutual fund vs. ETF debate, explaining that both are simply investment structures—not strategies—and that what matters far more than the label is understanding the underlying strategy, fees, and risk of each individual product.

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In this episode, Evan interviews Adam Chapman about how annuities and guaranteed income sources can give Canadian retirees the confidence to spend freely in retirement by covering their essential expenses.

Find Adam on LinkedIn

Adam Chapman - YESMoney

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In this episode, Evan and Sam address three common investor fears — expensive stock valuations, market concentration in big tech, and AI as a potential bubble — and explain how a diversified, evidence-based portfolio that tilts toward value stocks, small caps, and profitable companies across geographies can mitigate those concerns without needing to predict the future.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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Evan and Sam walk through the financial planning levers you can still pull when your retirement date is already locked in — covering withdrawal order and tax efficiency, CPP/OAS timing, TFSA strategy in retirement, portfolio risk and fees, budgeting for major purchases, reviewing insurance needs, and updating your will and power of attorney.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan and Sam walk through a financial planning case study for a fictitious 45-year-old couple with workplace pensions and a mortgage, showing how aggressively paying off debt and then redirecting that cash flow into TFSAs can fund major goals like travel, a home renovation, and a vehicle purchase while still ensuring a confident retirement.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan and Sam introduce a simple four-part framework — give, create, connect, and move — to help retirees build a fulfilling, purposeful lifestyle beyond just having enough money to stop working.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan and Sam recap their 100-day Savings Ladder Challenge  sharing what worked, what didn't, and the key lessons—automation beats willpower, hard pushes should be tied to specific goals, and accountability helps—while also discussing the surprising content-creation results from posting daily short-form videos.

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This week, financial planner Moira Rose joins the podcast to explain how group RESPs prey on new parents with predatory sales tactics, high fees, and rigid contracts that can cause families to lose thousands of dollars, arguing they offer no benefits over standard RESPs and should be avoided entirely.

Follow Moira on Instagram: @moirarosefinancials📱

Check out Moira's RESP Course 📖

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan and Sam explore seven financial decisions—spending, savings rate, retirement timing, CPP/OAS timing, tax and account strategy, investor behavior, and stress-testing your plan—that matter more to your financial success than fine-tuning your investment portfolio.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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On this episode of the Canadian Money Roadmap, Evan and Sam reflect on their summer highlights and use them to walk through a four-step framework — awareness, priorities, feasibility, and a to-do list — for aligning your spending and time with what actually matters to you as you plan for retirement.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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On this episode, Evan and Sam explore whether retiring before age 65 makes sense, weighing the financial trade-offs (lost government benefits, tax credits, income splitting) against lifestyle factors like health, purpose, and how you want to spend your time.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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This episode walks through a practical framework—mandate, diversification, factor exposure, and cost—for evaluating whether an ETF or mutual fund actually deserves a place in your portfolio.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode of the Canadian Money Roadmap, Evan and Sam each draft 5 things they each believe are worth the money. Ranging from Toyota vehicles, paying off your credit cards, to a day at a Nordic spa, their selections spark conversations about how spending fits into financial plans. 

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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On this episode of the Canadian Money Roadmap, Evan and Sam argue that markets and life change too fast to predict, so financial success depends not on timing the market but on building a diversified, evidence-based plan focused on the variables you can actually control.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode of the Canadian Money Roadmap, Evan and Sam examine common examples of bad financial advice they've encountered online and with real clients — including chasing past returns, being pressured to commute a pension into a complex insurance product, and having locked-in investments (like labor-sponsored funds and GICs) placed in accounts where money is needed by a specific deadline.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

💰Get your money organized - Full Financial Picture Spreadsheet

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On this episode of the Canadian Money Roadmap, Evan walks through his semi-annual "full financial picture" review process — a simple spreadsheet exercise that tracks net worth, insurance, and estate planning documents — and explains how to use it as a starting point for couples to get on the same page about their finances.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

💰Get your money organized - Full Financial Picture Spreadsheet

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On this episode of the Canadian Money Roadmap, Sam and Evan discuss how the markets have performed over the first half of 2026 covering how international stocks (especially South Korea) are outperforming the US, value stocks are beating growth stocks, the Magnificent Seven have stalled, and speculative assets like Bitcoin and gold have failed to act as expected hedges.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

💰Get your money organized - Full Financial Picture Spreadsheet

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In this episode of the Canadian Money Roadmap podcast, Evan and Sam play a game of "This or That," debating personal finance preferences across six topics: TFSA vs. RRSP, paying down your mortgage vs. investing, stocks-only vs. including bonds in your portfolio, lump sum vs. dollar cost averaging, buying vs. renting a vacation property, and leaving an inheritance vs. giving money while alive.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

💰Get your money organized - Full Financial Picture Spreadsheet

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This episode of the Canadian Money Roadmap explores why chasing past investment returns is a losing strategy. 

Hosts Evan and Sam explain that actively managed funds overwhelmingly underperform their benchmarks over time. 

They advocate for an evidence-based approach built on broad diversification, low costs, and factor-based investing (size, value, and profitability) aligned with a personalized financial plan.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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Nearly two-thirds of Canadian pre-retirees don't have a retirement withdrawal plan.  

On this episode of the Canadian Money Roadmap, Evan and Sam use a case study to show how optimizing your withdrawals during retirement can have a significant impact on your available investments and estate projection. 

Watch on YouTube 

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan and Sam explore new research challenging the conventional wisdom of shifting to bonds as you near retirement, making the case that a globally diversified equity portfolio — tailored to your personal risk tolerance, capacity, and financial needs — may actually give you better odds of reaching your retirement goals. 

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In episode 200 of the Canadian Money Roadmap, Evan reflects on how his views on financial planning have evolved over his first decade in the industry. 

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On this episode, Evan and Sam propose a new savings challenge that will allow people to save over $5,000 in 100 days. 

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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On this episode, Evan and Sam analyze the results from their Financial Foundation Scorecard — revealing that while listeners excel at saving, budgeting, and debt management, most lack a written retirement plan and the confidence to know if they're truly on track for retirement. 

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan and Sam provide advice about how to help children financially during your retirement. Key point include: make sure you can afford it, communicate clear expectations, specify what the money is for, and consider non-cash ways to give — because intentional generosity protects both your retirement savings and your family relationships.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Sam puts Evan on the hot seat and gets him to answer questions related to ethical investing, building a portfolio, and financial red flags.

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On this episode of the Canadian Money Roadmap, Evan and Sam break down what prediction markets are and why Canadians should be cautious now that platforms like Wealthsimple are beginning to offer them.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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On this episode, Evan and Sam walk Canadians through the critical financial and lifestyle decisions to make in the 5–10 years before retirement — covering savings milestones, debt payoff, retirement lifestyle planning, asset allocation, and retirement withdrawal strategies.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode of the Canadian Money Roadmap, Evan and Sam consider how much Canadians need to save for retirement based upon the recommendations in two Canadian finance books The Wealthy Barber and The Rule of 30. They also discuss other insights from both books. 

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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On this episode of the Canadian Money Roadmap, Evan and Sam discuss the implications of Canadians holding more cash. The episode distinguishes between emergency funds, planned spending, and a "sleep at night" buffer, while warning against using cash as a market-timing tool.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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On this episode, Evan and Sam consider the practicality of retiring in Canada without pension through a case study of Tracy and Derek, who have saved $500,000 at age 50. 

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On this week's episode, Evan and Sam discuss key reasons to file your taxes, the relationship between taxes and financial planning, and discuss ways to use your tax refund to optimize saving. 

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On this episode of the Canadian Money Roadmap, Evan and Sam discuss how to balance family spending and retirement savings across three life stages — early parenthood, supporting older kids, and legacy/retirement planning. 

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On this episode of the Canadian Money Roadmap, Sam puts Evan in the hot seat and asks questions about market volatility, investment fees, retirement savings, and more. 

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan discusses the value of staying invested during periods of market volatility, specifically the market decline triggered by fighting in the Middle East, explaining that diversified portfolios are still positive year-to-date and why panic-selling during downturns is a costly mistake.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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On this episode, Evan and Sam discuss why building a "better" investment portfolio requires looking beyond past performance to factors like diversification, fees, and turnover—challenging the oversimplified belief that higher returns automatically mean a better portfolio.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan and Sam explore whether historical patterns and current market data suggest there is an AI Bubble.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan  explains how Canadian government retirement programs (CPP, OAS, and GIS) work, emphasizing their value in retirement planning.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan examines the pros and cons of RRSP loans—borrowing money to contribute to your retirement savings. He notes  while RRSP loans offer tax deductions and lower interest rates, most people would be better off avoiding them due to the costs, risks, and limited flexibility of leveraged investing.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan explains how Canadian retirement income accounts—RRIFs, LIFs, and PRIFs—work, covering how to convert accumulation accounts into income-producing accounts, the minimum and maximum withdrawal rules, tax implications, and province-specific regulations for managing retirement savings.

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On this episode, Evan describes the key accumulation accounts available to Canadian  and their potential uses for investors.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan and Sam discuss gold's historical performance as a hedge against market downturns, inflation, and economic crises, ultimately concluding that while gold has surged recently, the evidence doesn't support it as a reliable hedge in times of economic uncertainty. The episode concludes with a discussion of ways to get exposure to gold's upside through diversified evidenced-based investing.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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On this episode, Evan examines mutual funds and ETFs. He notes both mutual funds and ETFs can be useful investment containers for building diversified portfolios, challenges the idea that one is inherently better than the other, while clarifying that the real differences lie in their transaction mechanics rather than their investment strategies or tax efficiency.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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On this episode of the Canadian Money Roadmap, Evan describes what stocks and bonds are, why they're essential building blocks of a retirement portfolio, and how diversification and long-term holding periods reduce risk and increase the likelihood of positive returns.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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This episode analyzes whether a 20-year-old Quebec lottery winner made the right choice by taking $1,000 per week for life instead of a $1 million lump sum.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this episode, Evan highlights three common financial mistakes to avoid in the new year while sharing practical tips to help you get ahead and retire confidently.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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In this year-end episode, Evan pulls back the curtain on his personal finances, the launch of Cedar Point Wealth, and the growth of The Canadian Money Roadmap, sharing real numbers, lessons learned, and what’s ahead for 2026.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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Evan shares his annual checklist of key financial tasks to consider before the year ends. Topics include maximizing your First Home Savings Account (FHSA), TFSA withdrawal timing, spousal RRSP strategies, charitable giving, capital gains/losses, mutual fund distributions, workplace benefits, and tips for staying organized. Evan also highlights useful resources to help you get your finances in order for the new year.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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Learn one of the most reliable ways of increasing your happiness when it comes to your money.

Free Kindle Books from Dr. Daniel Crosby - Until the end of December 2025

1. The Behavioural Investor

2. The Soul of Wealth: 50 Reflections on Money and Meaning

3. The Laws of Wealth

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Most Canadians have no idea what they’re actually paying to invest — and many are overpaying by a lot.
In this episode, Evan breaks down how investment fees really work in Canada, what’s reasonable, what’s not, and how to tell if you’re paying for advice you aren’t actually getting. You’ll learn how to read MERs, Fund Facts, and trailing commissions so you can spot red flags and avoid getting ripped off.

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📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address.

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