Can you stomach market drops? Most investors say they can handle them, but that confidence usually disappears when the portfolio actually falls.

In this episode, Tré Bynoe explains the idea of a retirement “war chest” — also called a cash wedge — and why it can help people stay invested when markets get ugly. He breaks down the tradeoff clearly: holding cash may lower long-term returns, but it can also buy time, reduce panic, and make a good investment plan easier to stick with.

Tré also explains why this decision should be based on time, not portfolio percentage, why cashflow management matters so much, and how retirees can build a plan for bad markets before they happen.

This episode is for Canadians who want a more resilient retirement plan without pretending market crashes will not happen.

What listeners will learn

• What a retirement war chest or cash wedge is
• Why market crashes require a plan, not hope
• Why the right cash amount is based on time, not percentages
• How cashflow management helps determine the size of the war chest
• Why peace of mind can matter more than technical optimization
• How to think about safe assets in retirement

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AI is driving markets, headlines, and a lot of investor anxiety. In this episode, Tré and Sierra talk through why the U.S. stock market looks so expensive right now, what investors may be missing about AI valuations, and why this trend could be far bigger than most people think.

Tré explains why he believes the real race is not just to build better chat tools, but to build systems that could transform productivity, labour, and the economy at a massive scale. He also breaks down the practical takeaway: if AI changes the value of human work, owning assets may matter even more than it already does.

This episode is for Canadians who want a clearer way to think about AI, investing, and the future of wealth building.

What listeners will learn

• Why AI is affecting stock market valuations
• Why being invested already gives you some AI exposure
• How Tré thinks about AI risk versus AI opportunity
• Why ownership may matter more in an AI-driven economy
• What AI could mean for jobs, productivity, and wealth gaps

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Most investors focus on what they invest in and ignore where they hold it. That mistake can quietly cost hundreds of thousands of dollars over time.

In this episode, Tré Bynoe, CFP, CIM, explains investment location—how placing the right assets in the right accounts can matter more than fund selection or provider choice once your finances get complex. This is especially relevant for incorporated professionals and high earners using non-registered accounts.

You’ll hear a real-world example showing how two identical portfolios can produce very different after-tax outcomes—purely based on structure.

You’ll learn:

• What investment location actually means (and why it’s often confused with allocation)
• When asset location starts to matter
• How taxes quietly erode returns in poorly structured portfolios
• Why after-tax returns are the only returns that count
• Who should care about this and who can safely ignore it (for now)

🎧 Follow, review, and share the show if you value clear, logical financial decisions.

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