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The Personal CFO

The Personal CFO

De : Guillaume Girard CFA CFP
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The Personal CFO Podcast is for Canadian business owners who want to build wealth while they’re working, and live off it when they stop.

Hosted by Guillaume Girard, Wealth Advisor & Financial Planner, the show breaks down investing, tax strategy, retirement planning, and insurance without hype, noise, or product-driven advice.

General information only. Portfolio management through Portfolio Strategies Corporation (CIRO, CIPF). Insurance via PPI Solutions.

Website: https://www.mwadvisors.ca/guillaume

2026 Guillaume Girard, CFA CFP Economie Finances privées
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    Épisodes
    • Ep.034: The 8 Most Expensive RRSP Mistakes Business Owners Make

      Ep.034: The 8 Most Expensive RRSP Mistakes Business Owners Make
      Feb 22 2026

      Summary

      Guillaume Girard discusses strategic tax planning for business owners, focusing on RRSP utilization, compensation structures, and future exit planning to optimize wealth and minimize taxes.

      Topics Covered in this Episode

      00:00 Introduction: Common Financial Mistakes for Business Owners

      00:55 The Role of RRSP in Tax-Efficient Wealth Building

      01:42 Deciding Where to Invest Surplus Cash: Business or Personal

      03:10 Tax Layers and Strategies for Extracting Money from Your Business

      04:01 Diversifying Wealth: Building a Second Business or Portfolio

      05:43 Tax Changes and Protecting Your Wealth

      06:27 RRSP as a Strategic Tool for Long-Term Tax Reduction

      07:20 Understanding Salary vs Dividends for RRSP Room

      09:54 The Integration of Corporate and Personal Taxes

      11:38 Investing Inside vs Outside the Corporation

      16:40 Passive Income Rules and Corporate Investment Limits

      22:44 Preparing Your Business for Sale and Capital Gains Exemption

      24:28 The Individual Pension Plan (IPP) as an Alternative to RRSP

      26:24 Risk Management: Protecting Assets from Creditors

      27:30 Retirement Income Strategies and Withdrawal Planning

      30:10 When Does an RRSP Strategy Make Sense?

      32:30 Key Takeaways and Final Advice for Business Owners

      If you want to learn how we work with incorporated business owners, book a private intro call here:

      Book it here: https://mwadvisors.as.me/GuillaumeGirard1


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      Millen Wealth Advisors
      Visit our Website: https://www.mwadvisors.ca/guillaume

      Connect with Guillaume
      LinkedIn: https://www.linkedin.com/in/guillaume-girard-cfa-cfp-08487170/
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      34 min
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