Portfolio Talks

Get behind the scenes talk about money with Vishal Gill, Michael Lloyd and Tyson Nagasaka. We talk about current finance events, investing, building wealth and pitfalls that everyone encounters

Portfolio Talks is a business podcast hosted by Unknown Host, with 37 episodes on record and a Required Pod Score of 80.

Unknown Host hosts Portfolio Talks, a business show with 37 episodes published.

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  Portfolio Talks

  Ep 14 :Own Occ Disability Insurance Canada: What Physicians, Dentists, and Optometrists Need to Know

  Sep 28, 202645 min

  You spent years building the skills to earn a physician-level income. But what happens to your financial plan if that income suddenly stops? In this episode of Portfolio Talks, Vishal Gill, CFP, and Tyson Nagasaka break down one of the most important—and often misunderstood—pieces of financial planning for doctors: disability insurance. We go beyond simply asking whether you have coverage and dig into what may actually matter when you need to use it. We cover: • How much disability insurance a doctor actually needs • Why more coverage isn't always better • Own Occupation vs. Any Occupation—and why the wording matters • Future Income Options and how they can allow your coverage to grow with your income • Why getting coverage while you're young and healthy can matter • Whether an incorporated doctor should pay premiums personally or through their corporation • Cost-of-living riders and other features worth reviewing • Return of Premium: when it may or may not make sense • What can cause problems when making a disability claim • A real example of a claim that was denied after the insurer reviewed the client's medical history • Why doctors with older policies should review what they're actually paying for We also discuss changes happening in the disability insurance market for medical professionals and why students, residents and practicing doctors should understand the coverage and discounts currently available to them. FREE DISABILITY INSURANCE POLICY CHECKLIST We created a simple checklist to help doctors review their existing disability insurance policy—including policy definitions, riders, ownership, tax treatment and questions to ask their insurance advisor. To get a copy, email us at info@portfolioplanning.ca and let us know you listened to the Disability Insurance episode. ‍⚕️ JOIN OUR PRIVATE FACEBOOK COMMUNITY FOR DOCTORS IN CANADA Have a financial question you'd like us to discuss on a future episode of Portfolio Talks? Join our Doctors in Canada Facebook community, ask your question, and it could be featured in our Medical Mailbag segment: https://www.facebook.com/share/g/1GdujNzHUq/ ABOUT PORTFOLIO TALKS Portfolio Talks is a Canadian financial planning podcast created for physicians, optometrists, dentists and other medical professionals. Hosted by the team at Portfolio Planning Inc., we break down investing, incorporation, tax planning, insurance, retirement and the financial decisions doctors face throughout their careers—without making things unnecessarily complicated. Our goal is simple: help doctors understand their money, make informed financial decisions, and build a plan that connects the money they're earning today with the life they want to create. Subscribe to Portfolio Talks so you don't miss the next episode—and we'll see you again in two weeks.

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  Portfolio Talks

  The OD Equipment Trap!

  Sep 15, 20261h 6m

  The episode features a discussion with Dr. Harbir Sian about equipment procurement in the optometry space. The conversation covers the process of vetting and purchasing new equipment, the importance of trade shows, and the utilization rate of new equipment in a practice. The implementation of new equipment in optometry practices requires careful consideration and planning to ensure successful integration and utilization. It's essential to assess the learning curve, training, utilization rates, and revenue impact of each piece of equipment. Reps play a crucial role in providing valuable insights and support for equipment integration and protocol development. The decision to buy new equipment should be based on utilization potential and the impact on practice revenue. The conversation delves into the considerations and research required when purchasing optometry equipment for an existing practice. It emphasizes the importance of understanding the value and longevity of the equipment, as well as the impact of training and sales skills on patient care and business success. Join our FB Group for Doctors in Canada: https://www.facebook.com/share/g/1LpLdrG7Gq/ Takeaways Equipment procurement in optometry involves careful vetting, research, and leveraging relationships with reps and colleagues. Attending trade shows can provide valuable insights and opportunities for discounts on equipment purchases. Equipment integration requires careful planning and consideration of utilization potential and revenue impact. Reps play a crucial role in providing valuable insights and support for equipment integration and protocol development. Equipment longevity and value are crucial considerations when purchasing optometry equipment. Training and sales skills play a significant role in patient care and business success. Chapters 00:00 Introduction and Optometry Practice Varieties 06:04 The Process of Vetting and Purchasing Equipment 13:00 Leveraging Trade Shows and Discounts 22:01 Utilization Rate of New Equipment 23:13 Equipment Integration and Utilization 24:09 Revenue Impact and Utilization Rates 25:04 Challenges and Lessons Learned 26:39 Rep Support and Relationship 45:03 Buying and Selling Practices 46:19 Understanding Equipment Longevity and Value 49:35 The Impact of Training and Sales Skills on Patient Care and Business Success 59:36 Calculating Chair Costs and Revenue per Patient

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  Episode #13

  Ep 13 : Small Business Deduction Clawback, What Incorporated Doctors Need to Know

  Sep 8, 202651 min

  In this episode of Portfolio Talks, Vishal Gill and Tyson Nagasaka discuss the philosophy behind passive income, the issues and challenges associated with it, and the quant side of the numbers. They delve into the passive income problem faced by Canadian doctors, the sources of passive income inside a corporation, and strategies to mitigate and resolve passive income issues. The conversation covers the importance of portfolio rebuilding and transitioning to a growth-focused investment strategy to prevent annual passive income problems. It also delves into understanding investment solutions and the philosophy of investing, including the use of registered and non-registered accounts. Takeaways Passive income inside a corporation can lead to tax challenges Identifying and mitigating passive income issues is crucial for financial planning Transition to a growth portfolio to prevent annual passive income problems Understand the philosophy of investing and the use of registered and non-registered accounts Join our FB group: https://www.facebook.com/share/g/1JkcEsDEJ4/ Book your free consultaiton: https://links.thinkrr.ai/widget/booking/Tg6y9V8grfeQriFZMq4q Chapters 00:00 Introduction to Passive Income 02:35 Understanding the Passive Income Problem 06:04 Identifying Passive Income Sources 12:57 Strategies to Mitigate Passive Income 19:22 Resolving Passive Income Issues 26:06 Portfolio Rebuilding and Growth Focus 29:46 Understanding Investment Solutions 34:21 Philosophy of Investing

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  Portfolio Talks

  Lawyers Opinion On Buying Your Dental Practice (Alliance Lawyers LLP)

  Aug 24, 202642 min

  In this episode, Vishal, Tyson, and Amrit discuss the specifics of buying a dental practice, including due diligence, the acquisition timeline, and surprising numbers in the process. The conversation provides valuable insights for dentists looking to purchase a clinic, equipping them with the information needed to make informed decisions. The conversation covers the negotiation of severance entitlements, transitioning to a business owner mentality, structuring the deal (asset vs. share purchase), revenue sources, employee considerations, vendor takebacks, transitional agreements, and the collaborative negotiation approach. Takeaways Due diligence in buying a dental practice Understanding the timeline and costs of buying a dental practice Negotiating severance entitlements Structuring the deal: asset vs. share purchase Vendor takebacks and transitional agreements Collaborative negotiation approach Join our closed FB group for Doctors here: https://www.facebook.com/share/g/1PHy3QMPzZ/ Contact Amrit here: amrit@alliancelawyers.ca Chapters 00:00 Introduction to Buying a Dental Practice 02:59 The Acquisition Timeline and Process 14:46 Surprising Numbers in Due Diligence 23:10 Negotiating Severance Entitlements 25:22 Transitioning to Business Owner Mentality 27:32 Structuring the Deal: Asset vs. Share Purchase 29:34 Revenue Sources and Employee Considerations 36:16 Vendor Takebacks and Transitional Agreements 38:14 Collaborative Negotiation Approach

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  Episode #12

  Ep 12: Buying a Dental Practice in Canada: Asset Purchase vs. Share Purchase Tax Breakdown

  Aug 17, 202645 min

  In this episode of Portfolio Talks, Vishal Gill, CFP, and Tyson Nagasaka discuss the process of buying a dental clinic, covering topics such as clinic ownership, valuations, asset sales, share sales, and tax considerations. They provide insights into the nuances of clinic ownership and the financial aspects of buying and selling a dental practice. The conversation covers the process of buying a dental practice, including financing options, loan-to-value considerations, patient retention evaluation, and the importance of legal agreements. It emphasizes the strategic and financial aspects of acquiring a dental clinic and provides insights into the complexities and considerations involved in the process. Takeaways Dental clinic ownership is a significant career decision for dentists transitioning from associate dentists to practice owners. Understanding the differences between asset sales and share sales, as well as tax considerations, is crucial when buying or selling a dental clinic. Loan-to-value strategy depends on the profitability and risk of the practice. Patient retention and active patient evaluation are crucial for assessing the value of a dental practice. Legal agreements, including shareholder, associate, and lease agreements, are essential for protecting the interests of all parties involved in the transaction. Join our Facebook Group for Doctors across Canada! https://www.facebook.com/share/g/1EfJrscpcv/ Chapters 00:00 Entering Clinic Ownership 05:58 Understanding EBITDA and Valuations 13:47 Asset Sales vs. Share Sales 24:12 Financing the Purchase 25:24 Loan-to-Value Strategy 33:22 Patient Retention and Evaluation 38:43 Importance of Legal Agreements

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