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    <title>Your Money</title>
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    <description>Each week on The Your Money Podcast host Jon Abbott and Peter Cishecki, President of the Everything Financial Group, are joined by industry expert guests to discuss in-depth everything you need to know about the most important topics in the world of personal finance. Covering a wide-range of often misunderstood finance products including; Mutual Funds, Mortgages; Disability and Critical Illness Insurance; Retirement Planning; TSFAs vs.RSPs; Robo-Investing, and much more - all so listeners can learn more so they may pay less fees on their investments and banking products; earn and save more money for their retirement, and pay less taxes. </description>
    <copyright>© 2025 Everything Financial Group</copyright>
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    <pubDate>Wed, 02 Oct 2024 16:14:01 +0000</pubDate>
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    <link>https://www.everythingfinancial.com</link>
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      <title>Your Money</title>
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    <itunes:category text="News">
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    <itunes:author>Everything Financial Group</itunes:author>
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    <itunes:summary>Each week on The Your Money Podcast host Jon Abbott and Peter Cishecki, President of the Everything Financial Group, are joined by industry expert guests to discuss in-depth everything you need to know about the most important topics in the world of personal finance. Covering a wide-range of often misunderstood finance products including; Mutual Funds, Mortgages; Disability and Critical Illness Insurance; Retirement Planning; TSFAs vs.RSPs; Robo-Investing, and much more - all so listeners can learn more so they may pay less fees on their investments and banking products; earn and save more money for their retirement, and pay less taxes. </itunes:summary>
    <itunes:subtitle>Each week on The Your Money Podcast host Jon Abbott and Peter Cishecki, President of the Everything Financial Group, are joined by industry expert guests to discuss in-depth everything you need to know about the most important topics in the world of personal finance.</itunes:subtitle>
    <itunes:keywords></itunes:keywords>
    <itunes:owner>
      <itunes:name>Trevor</itunes:name>
    </itunes:owner>
    <itunes:complete>No</itunes:complete>
    <itunes:explicit>No</itunes:explicit>
    <item>
      <title>How to Calculate Retirement Income</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>20</itunes:episode>
      <podcast:episode>20</podcast:episode>
      <itunes:title>How to Calculate Retirement Income</itunes:title>
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      <description>
        <![CDATA[<p>Inspired by a report that suggested Canadians needed $1.7 Million dollars for retirement, Peter hopped on the mic to showcase how this report is entirely incorrect. Joining Peter was Vy Tri Truong and the two of them simplified how you can break down and calculate your retirement income.</p><p>Retirement planning is always an important discussion and you will want to hear the tips Peter and Vy Tri provide.  </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Inspired by a report that suggested Canadians needed $1.7 Million dollars for retirement, Peter hopped on the mic to showcase how this report is entirely incorrect. Joining Peter was Vy Tri Truong and the two of them simplified how you can break down and calculate your retirement income.</p><p>Retirement planning is always an important discussion and you will want to hear the tips Peter and Vy Tri provide.  </p>]]>
      </content:encoded>
      <pubDate>Mon, 15 Apr 2024 20:02:44 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/4e62ea43/0b3a69de.mp3" length="16753938" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:duration>1044</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Inspired by a report that suggested Canadians needed $1.7 Million dollars for retirement, Peter hopped on the mic to showcase how this report is entirely incorrect. Joining Peter was Vy Tri Truong and the two of them simplified how you can break down and calculate your retirement income.</p><p>Retirement planning is always an important discussion and you will want to hear the tips Peter and Vy Tri provide.  </p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Consumer Proposals and Bankruptcy</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>19</itunes:episode>
      <podcast:episode>19</podcast:episode>
      <itunes:title>Consumer Proposals and Bankruptcy</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/dd6de91a</link>
      <description>
        <![CDATA[<p>In this episode, Peter welcomes Blair Mantin, President of Sands &amp; Associates, British Columbia's premier Licensed Insolvency Trustee firm with 35 years of experience helping those with problem debt. Amidst an unprecedented rise in personal insolvencies—up 30% year over year, largely due to soaring inflation, escalating interest rates, and a severe housing crisis—they delve into the oft-misunderstood subjects of how Consumer Proposals and Bankruptcies work. By challenging the stigma around debt, Blair and Peter illuminate a path toward a debt-free future, offering hope, tips and practical advice for navigating these challenging times.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In this episode, Peter welcomes Blair Mantin, President of Sands &amp; Associates, British Columbia's premier Licensed Insolvency Trustee firm with 35 years of experience helping those with problem debt. Amidst an unprecedented rise in personal insolvencies—up 30% year over year, largely due to soaring inflation, escalating interest rates, and a severe housing crisis—they delve into the oft-misunderstood subjects of how Consumer Proposals and Bankruptcies work. By challenging the stigma around debt, Blair and Peter illuminate a path toward a debt-free future, offering hope, tips and practical advice for navigating these challenging times.</p>]]>
      </content:encoded>
      <pubDate>Thu, 15 Feb 2024 23:08:29 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/dd6de91a/3f2e5c2e.mp3" length="31869696" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:duration>1988</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>In this episode, Peter welcomes Blair Mantin, President of Sands &amp; Associates, British Columbia's premier Licensed Insolvency Trustee firm with 35 years of experience helping those with problem debt. Amidst an unprecedented rise in personal insolvencies—up 30% year over year, largely due to soaring inflation, escalating interest rates, and a severe housing crisis—they delve into the oft-misunderstood subjects of how Consumer Proposals and Bankruptcies work. By challenging the stigma around debt, Blair and Peter illuminate a path toward a debt-free future, offering hope, tips and practical advice for navigating these challenging times.</p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
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    <item>
      <title>The Everything Financial Group Personal Financial Organizer</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>18</itunes:episode>
      <podcast:episode>18</podcast:episode>
      <itunes:title>The Everything Financial Group Personal Financial Organizer</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/d4bea949</link>
      <description>
        <![CDATA[<p>On the Season 3 Finale of Your Money, Peter is joined by Shannon Allison, CEO of Everything Financial Group and Vy Tri Truong who runs Everything Financial Mortgage Group. This season has been all about the Omni Formula and all the different steps that go into creating a proper financial plan to get you to the end result, a Personal Financial Organizer.</p><p>It's the perfect way to wrap up what has been a very informative and special season!</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>On the Season 3 Finale of Your Money, Peter is joined by Shannon Allison, CEO of Everything Financial Group and Vy Tri Truong who runs Everything Financial Mortgage Group. This season has been all about the Omni Formula and all the different steps that go into creating a proper financial plan to get you to the end result, a Personal Financial Organizer.</p><p>It's the perfect way to wrap up what has been a very informative and special season!</p>]]>
      </content:encoded>
      <pubDate>Wed, 10 Jan 2024 18:24:33 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/d4bea949/dff3fe90.mp3" length="31129644" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:duration>1942</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>On the Season 3 Finale of Your Money, Peter is joined by Shannon Allison, CEO of Everything Financial Group and Vy Tri Truong who runs Everything Financial Mortgage Group. This season has been all about the Omni Formula and all the different steps that go into creating a proper financial plan to get you to the end result, a Personal Financial Organizer.</p><p>It's the perfect way to wrap up what has been a very informative and special season!</p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>The Omni Formula Estate Directory</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>17</itunes:episode>
      <podcast:episode>17</podcast:episode>
      <itunes:title>The Omni Formula Estate Directory</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/fe7531df</link>
      <description>
        <![CDATA[<p>Season 3 has been all about the Omni Formula and as the season draws to a close, on this episode Peter is talking about the Omni Formula Estate Directory. To talk about this, Shannon Allison, CEO at Everything Financial joins the conversation and help navigate thru common questions that come up when talking about people's estate.  <br></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Season 3 has been all about the Omni Formula and as the season draws to a close, on this episode Peter is talking about the Omni Formula Estate Directory. To talk about this, Shannon Allison, CEO at Everything Financial joins the conversation and help navigate thru common questions that come up when talking about people's estate.  <br></p>]]>
      </content:encoded>
      <pubDate>Wed, 06 Dec 2023 17:49:54 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/fe7531df/b6a024fa.mp3" length="29628335" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:duration>1232</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Season 3 has been all about the Omni Formula and as the season draws to a close, on this episode Peter is talking about the Omni Formula Estate Directory. To talk about this, Shannon Allison, CEO at Everything Financial joins the conversation and help navigate thru common questions that come up when talking about people's estate.  <br></p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Separation and Finances</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>16</itunes:episode>
      <podcast:episode>16</podcast:episode>
      <itunes:title>Separation and Finances</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">737c20f6-fc5a-4f95-b8a4-b05201589f9a</guid>
      <link>https://share.transistor.fm/s/92f815c1</link>
      <description>
        <![CDATA[<p>As Season 3 progresses, all the steps in the OMNI Formula are hit and in this episode, Separation and Finances are as Peter is joined by Sarah Morse of BTM Lawyers. Sarah is an accredited family mediator, arbitrator and parenting coordinator and she answers all the questions around separation and finances. </p><p>It doesn't have to get ugly and Sarah explains how.</p><p><br></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>As Season 3 progresses, all the steps in the OMNI Formula are hit and in this episode, Separation and Finances are as Peter is joined by Sarah Morse of BTM Lawyers. Sarah is an accredited family mediator, arbitrator and parenting coordinator and she answers all the questions around separation and finances. </p><p>It doesn't have to get ugly and Sarah explains how.</p><p><br></p>]]>
      </content:encoded>
      <pubDate>Wed, 02 Aug 2023 21:03:28 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/92f815c1/e6ebecb8.mp3" length="31126718" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/xL0oTtq6ISFW1ANfGsTzZ14d9gXc45jr5rtdbMhItCQ/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNzgv/MTY5ODEwNDYzNi1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1942</itunes:duration>
      <itunes:summary>As Season 3 progresses, all the steps in the OMNI Formula are hit and in this episode, Separation and Finances are as Peter is joined by Sarah Morse of BTM Lawyers. Sarah is an accredited family mediator, arbitrator and parenting coordinator and she answers all the questions around separation and finances. 
It doesn't have to get ugly and Sarah explains how.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>As Season 3 progresses, all the steps in the OMNI Formula are hit and in this episode, Separation and Finances are as Peter is joined by Sarah Morse of BTM Lawyers. Sarah is an accredited family mediator, arbitrator and parenting coordinator and she answe</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Wills and Power of Attorney</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>15</itunes:episode>
      <podcast:episode>15</podcast:episode>
      <itunes:title>Wills and Power of Attorney</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/334fb50a</link>
      <description>
        <![CDATA[<p>As the OMNI Formula is being explained from top to bottom and all parts in between, this episode focuses on wills and having a power of attorney. </p><p>Peter is joined by Bart Aldrich, a Notary Public and the two of them try to teach what's important and the best questions to ask when talking about wills.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>As the OMNI Formula is being explained from top to bottom and all parts in between, this episode focuses on wills and having a power of attorney. </p><p>Peter is joined by Bart Aldrich, a Notary Public and the two of them try to teach what's important and the best questions to ask when talking about wills.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Mon, 17 Jul 2023 17:51:25 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/334fb50a/06df2662.mp3" length="22240805" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/KOvZIvwyPjvZTqyPCf6zzM9oaAl9bWh4QhyP28gUg4Q/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNzcv/MTY5ODEwNDYzNi1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1852</itunes:duration>
      <itunes:summary>As the OMNI Formula is being explained from top to bottom and all parts in between, this episode focuses on wills and having a power of attorney. Peter is joined by Bart Aldrich, a Notary Public and the two of them try to teach what's important and the best questions to ask when talking about wills.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>As the OMNI Formula is being explained from top to bottom and all parts in between, this episode focuses on wills and having a power of attorney. Peter is joined by Bart Aldrich, a Notary Public and the two of them try to teach what's important and the be</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Personal Insurance</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>14</itunes:episode>
      <podcast:episode>14</podcast:episode>
      <itunes:title>Personal Insurance</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/3421d723</link>
      <description>
        <![CDATA[<p>As the journey thru the Omni Formula continues, episode 14 is all about Personal Insurance. On today's episode, Peter is joined by Josh Krenus, President and CEO of Alteri Insurnace to talk about the importance of personal insurance when solidifying your financial plan.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>As the journey thru the Omni Formula continues, episode 14 is all about Personal Insurance. On today's episode, Peter is joined by Josh Krenus, President and CEO of Alteri Insurnace to talk about the importance of personal insurance when solidifying your financial plan.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Mon, 26 Jun 2023 20:11:17 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/3421d723/38aec96e.mp3" length="21973084" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/BCIu9H9CNVy38blwz79NAfDhKzBwEkp7_HouTFD2Ri4/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNzYv/MTY5ODEwNDYzMi1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1830</itunes:duration>
      <itunes:summary>As the journey thru the Omni Formula continues, episode 14 is all about Personal Insurance. On today's episode, Peter is joined by Josh Krenus, President and CEO of Alteri Insurnace to talk about the importance of personal insurance when solidifying your financial plan.  See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>As the journey thru the Omni Formula continues, episode 14 is all about Personal Insurance. On today's episode, Peter is joined by Josh Krenus, President and CEO of Alteri Insurnace to talk about the importance of personal insurance when solidifying your </itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Long Term Care Insurance 101</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>13</itunes:episode>
      <podcast:episode>13</podcast:episode>
      <itunes:title>Long Term Care Insurance 101</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/3c87b5ae</link>
      <description>
        <![CDATA[<p>A crucial piece of the Omny Formula is Long Term Care Insurance and it's not to be overlooked in your overall planning.</p>
<p>On this episode, Peter break it all down. You don't want to miss it!</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>A crucial piece of the Omny Formula is Long Term Care Insurance and it's not to be overlooked in your overall planning.</p>
<p>On this episode, Peter break it all down. You don't want to miss it!</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 16 Jun 2023 18:45:56 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/3c87b5ae/d0e9e9d7.mp3" length="12553035" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/oxBWDKYR4ZIcxXyTlz2YrL-OE45XL9FIhF6IkXELUmc/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNzUv/MTY5ODEwNDYzMC1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1045</itunes:duration>
      <itunes:summary>A crucial piece of the Omny Formula is Long Term Care Insurance and it's not to be overlooked in your overall planning.
On this episode, Peter break it all down. You don't want to miss it!See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>A crucial piece of the Omny Formula is Long Term Care Insurance and it's not to be overlooked in your overall planning.
On this episode, Peter break it all down. You don't want to miss it!See omnystudio.com/listener for privacy information.</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Disability Insurnace 101</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>12</itunes:episode>
      <podcast:episode>12</podcast:episode>
      <itunes:title>Disability Insurnace 101</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">0a101fc6-057c-4e48-91d1-b01a01192bde</guid>
      <link>https://share.transistor.fm/s/9b3ed991</link>
      <description>
        <![CDATA[<p>As we work our way through The Omny Formula this season. today’s episode title is ‘Disability Insurance 101’, and Peter is joined once again by Chris Cook, Senior Sales Consultant Life &amp; Living Benefits at RBC Insurance to help answer the key questions - you probably didn’t even know to ask - about Disability Insurance.</p>
<p> </p>
<p> </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>As we work our way through The Omny Formula this season. today’s episode title is ‘Disability Insurance 101’, and Peter is joined once again by Chris Cook, Senior Sales Consultant Life &amp; Living Benefits at RBC Insurance to help answer the key questions - you probably didn’t even know to ask - about Disability Insurance.</p>
<p> </p>
<p> </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Wed, 07 Jun 2023 17:09:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/9b3ed991/2ca29d10.mp3" length="16598977" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/ErOGfI5RHe8as2D-0MTEjN_H4NR-5O6Id_QzpTKydRU/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNzQv/MTY5ODEwNDYzMi1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1382</itunes:duration>
      <itunes:summary>As we work our way through The Omny Formula this season. today’s episode title is ‘Disability Insurance 101’, and Peter is joined once again by Chris Cook, Senior Sales Consultant Life &amp;amp; Living Benefits at RBC Insurance to help answer the key questions - you probably didn’t even know to ask - about Disability Insurance.
 
 See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>As we work our way through The Omny Formula this season. today’s episode title is ‘Disability Insurance 101’, and Peter is joined once again by Chris Cook, Senior Sales Consultant Life &amp;amp; Living Benefits at RBC Insurance to help answer the key question</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Critical Insurance 101</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>11</itunes:episode>
      <podcast:episode>11</podcast:episode>
      <itunes:title>Critical Insurance 101</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">d11d2519-f338-42cc-99aa-affc01277771</guid>
      <link>https://share.transistor.fm/s/3f87c64a</link>
      <description>
        <![CDATA[<p>As we work our way through The Omny Formula this season and in this episode title, it's all about Critical Illness Insurance. Peter is joined by Chris Cook, Senior Sales Consultant Life &amp; Living Benefits at RBC Insurance to help answer the key questions - you probably didn’t even know to ask - about Critical Illness Insurance.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>As we work our way through The Omny Formula this season and in this episode title, it's all about Critical Illness Insurance. Peter is joined by Chris Cook, Senior Sales Consultant Life &amp; Living Benefits at RBC Insurance to help answer the key questions - you probably didn’t even know to ask - about Critical Illness Insurance.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Mon, 08 May 2023 18:02:58 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/3f87c64a/5977fbb5.mp3" length="20151521" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/RNOE0HywjbpVOqwfZNc677SQC1aNN0rNjApdHlgfHD4/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNzMv/MTY5ODEwNDYzMi1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1678</itunes:duration>
      <itunes:summary>As we work our way through The Omny Formula this season and in this episode title, it's all about Critical Illness Insurance. Peter is joined by Chris Cook, Senior Sales Consultant Life &amp;amp; Living Benefits at RBC Insurance to help answer the key questions - you probably didn’t even know to ask - about Critical Illness Insurance.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>As we work our way through The Omny Formula this season and in this episode title, it's all about Critical Illness Insurance. Peter is joined by Chris Cook, Senior Sales Consultant Life &amp;amp; Living Benefits at RBC Insurance to help answer the key questio</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Life Insurance 101</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>10</itunes:episode>
      <podcast:episode>10</podcast:episode>
      <itunes:title>Life Insurance 101</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ebda7f78-a108-49db-aebd-affa0156ffb5</guid>
      <link>https://share.transistor.fm/s/d3d890e6</link>
      <description>
        <![CDATA[<p>As the guys continue thru the Omny Formula, Life Insurance is the main focus and just why it's so important in building your financial plan.</p>
<p>With Life Insurance being so crucial, you will want to listen to this episode right away!</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>As the guys continue thru the Omny Formula, Life Insurance is the main focus and just why it's so important in building your financial plan.</p>
<p>With Life Insurance being so crucial, you will want to listen to this episode right away!</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Sun, 07 May 2023 22:52:24 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/d3d890e6/43133c81.mp3" length="13891843" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/ISew97IbazAp8kvjt4optMwKrI3qZqs8vQty-kheBQ8/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNzIv/MTY5ODEwNDYzMS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1156</itunes:duration>
      <itunes:summary>As the guys continue thru the Omny Formula, Life Insurance is the main focus and just why it's so important in building your financial plan.
With Life Insurance being so crucial, you will want to listen to this episode right away!See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>As the guys continue thru the Omny Formula, Life Insurance is the main focus and just why it's so important in building your financial plan.
With Life Insurance being so crucial, you will want to listen to this episode right away!See omnystudio.com/liste</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Taxes and Your Financial Plan - Why Are They So Important</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>9</itunes:episode>
      <podcast:episode>9</podcast:episode>
      <itunes:title>Taxes and Your Financial Plan - Why Are They So Important</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">194fd398-d2c5-49cd-8c9a-afd3015f1a7f</guid>
      <link>https://share.transistor.fm/s/e9a38804</link>
      <description>
        <![CDATA[<p>TAXES TAXES TAXES.</p><p>Peter and David talk all about taxes on this episode and why they're so important when building your financial plan. </p><p>"It's not about what you make, it's about what you save" as Peter outlines in the show opening and trying to find those savings is essential.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>TAXES TAXES TAXES.</p><p>Peter and David talk all about taxes on this episode and why they're so important when building your financial plan. </p><p>"It's not about what you make, it's about what you save" as Peter outlines in the show opening and trying to find those savings is essential.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Tue, 28 Mar 2023 21:25:43 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/e9a38804/54abba41.mp3" length="13491620" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/rfIRtFVw3nQBD4yDkODG1OmOjqk7N9wu9xyUQiqQuDs/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNzEv/MTY5ODEwNDYyNy1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1123</itunes:duration>
      <itunes:summary>TAXES TAXES TAXES.Peter and David talk all about taxes on this episode and why they're so important when building your financial plan. "It's not about what you make, it's about what you save" as Peter outlines in the show opening and trying to find those savings is essential.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>TAXES TAXES TAXES.Peter and David talk all about taxes on this episode and why they're so important when building your financial plan. "It's not about what you make, it's about what you save" as Peter outlines in the show opening and trying to find those </itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>RRSP's-The Do's and Don'ts and Why There is No 'RRSP Season'</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>8</itunes:episode>
      <podcast:episode>8</podcast:episode>
      <itunes:title>RRSP's-The Do's and Don'ts and Why There is No 'RRSP Season'</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">78b2f773-02aa-4918-8901-afcc012ac2c3</guid>
      <link>https://share.transistor.fm/s/619d7fe6</link>
      <description>
        <![CDATA[<p>As the guys continue to work through the Omni Formula, Episode 8 is all about RRSP's. </p><p>David and Peter go thru all the do's and don'ts around RRSP's and the big misconception about there being a "RRSP Season". That term makes Peter physically ill and he explains why in this informative episode.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>As the guys continue to work through the Omni Formula, Episode 8 is all about RRSP's. </p><p>David and Peter go thru all the do's and don'ts around RRSP's and the big misconception about there being a "RRSP Season". That term makes Peter physically ill and he explains why in this informative episode.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Tue, 21 Mar 2023 17:18:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/619d7fe6/fa3f7b5f.mp3" length="12183205" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/3wFGouRqhU1utxNhJXnTXknbtUBP3u4silyKR1Xcsl4/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNzAv/MTY5ODEwNDYxOC1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1014</itunes:duration>
      <itunes:summary>As the guys continue to work through the Omni Formula, Episode 8 is all about RRSP's. David and Peter go thru all the do's and don'ts around RRSP's and the big misconception about there being a "RRSP Season". That term makes Peter physically ill and he explains why in this informative episode.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>As the guys continue to work through the Omni Formula, Episode 8 is all about RRSP's. David and Peter go thru all the do's and don'ts around RRSP's and the big misconception about there being a "RRSP Season". That term makes Peter physically ill and he ex</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>TFSA's-What Are They?</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>7</itunes:episode>
      <podcast:episode>7</podcast:episode>
      <itunes:title>TFSA's-What Are They?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">cd709125-ea73-41a1-977b-afbe01747409</guid>
      <link>https://share.transistor.fm/s/4250af31</link>
      <description>
        <![CDATA[<p>As the title suggests, this episode is all about TFSA's. What are they, why are they important and how does it relate to the conversation of this entire season and that is the Omni Formula.</p><p>Listen to David Pratt and Peter Cishecki break it all down and give you the do's and don'ts when it comes to TFSA's. It's a very informative episode that you don't want to miss!</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>As the title suggests, this episode is all about TFSA's. What are they, why are they important and how does it relate to the conversation of this entire season and that is the Omni Formula.</p><p>Listen to David Pratt and Peter Cishecki break it all down and give you the do's and don'ts when it comes to TFSA's. It's a very informative episode that you don't want to miss!</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Tue, 07 Mar 2023 21:42:25 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/4250af31/a9b16a22.mp3" length="10031785" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/2bTzAQtLyquUx7A83BX6EJBOQHDrauOhY_SiGHSDb3k/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNjkv/MTY5ODEwNDYxOC1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>835</itunes:duration>
      <itunes:summary>As the title suggests, this episode is all about TFSA's. What are they, why are they important and how does it relate to the conversation of this entire season and that is the Omni Formula.Listen to David Pratt and Peter Cishecki break it all down and give you the do's and don'ts when it comes to TFSA's. It's a very informative episode that you don't want to miss!See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>As the title suggests, this episode is all about TFSA's. What are they, why are they important and how does it relate to the conversation of this entire season and that is the Omni Formula.Listen to David Pratt and Peter Cishecki break it all down and giv</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Why Should You Use a Portfolio Manager</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>5</itunes:episode>
      <podcast:episode>5</podcast:episode>
      <itunes:title>Why Should You Use a Portfolio Manager</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">83473474-8fe0-4498-b04c-af740169e991</guid>
      <link>https://share.transistor.fm/s/0e9c57a5</link>
      <description>
        <![CDATA[<p>As Season 3 moves on outlining the Omni Formula, Peter and Dave break down the need for portfolio managers and why you should use one when creating your financial plan.</p><p>Times have changed and the need for a portfolio manager is more important than ever. Listen to this episode and all previous Season 3 episodes to hear more about the Omni Formula.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>As Season 3 moves on outlining the Omni Formula, Peter and Dave break down the need for portfolio managers and why you should use one when creating your financial plan.</p><p>Times have changed and the need for a portfolio manager is more important than ever. Listen to this episode and all previous Season 3 episodes to hear more about the Omni Formula.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 23 Dec 2022 21:05:25 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/0e9c57a5/23443161.mp3" length="17710566" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/r25Z8h-wQI-XiQVJU9_OmU-meaR0nafBMl8Ohi9BPzs/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNjcv/MTY5ODEwNDYxNy1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1474</itunes:duration>
      <itunes:summary>As Season 3 moves on outlining the Omni Formula, Peter and Dave break down the need for portfolio managers and why you should use one when creating your financial plan.Times have changed and the need for a portfolio manager is more important than ever. Listen to this episode and all previous Season 3 episodes to hear more about the Omni Formula.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>As Season 3 moves on outlining the Omni Formula, Peter and Dave break down the need for portfolio managers and why you should use one when creating your financial plan.Times have changed and the need for a portfolio manager is more important than ever. Li</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Investment Fees: The Simple Do's and Don'ts</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>4</itunes:episode>
      <podcast:episode>4</podcast:episode>
      <itunes:title>Investment Fees: The Simple Do's and Don'ts</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">df29d33e-6e7a-4289-9ef6-af69018706ba</guid>
      <link>https://share.transistor.fm/s/28f14721</link>
      <description>
        <![CDATA[<p>"Fees" can be a scary word to some, but with the Omny Formula and following along with some simple Do's and Don'ts, you'll no longer think of that word the same way.</p>
<p>On Season 3, Episode 4, Dave Pratt and Peter Cisecki break it all down and will debunk a lot of the myths and confusing language in the investment space.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>"Fees" can be a scary word to some, but with the Omny Formula and following along with some simple Do's and Don'ts, you'll no longer think of that word the same way.</p>
<p>On Season 3, Episode 4, Dave Pratt and Peter Cisecki break it all down and will debunk a lot of the myths and confusing language in the investment space.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Mon, 12 Dec 2022 22:53:47 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/28f14721/bcf59277.mp3" length="20176640" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/TIcebWQm5GxEbXZFtpdoylsDfoRzhriScxovSL9x53s/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNjYv/MTY5ODEwNDYxNi1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1680</itunes:duration>
      <itunes:summary>"Fees" can be a scary word to some, but with the Omny Formula and following along with some simple Do's and Don'ts, you'll no longer think of that word the same way.
On Season 3, Episode 4, Dave Pratt and Peter Cisecki break it all down and will debunk a lot of the myths and confusing language in the investment space.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>"Fees" can be a scary word to some, but with the Omny Formula and following along with some simple Do's and Don'ts, you'll no longer think of that word the same way.
On Season 3, Episode 4, Dave Pratt and Peter Cisecki break it all down and will debunk a</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Having The Right Mortgage is a Key Part of Your Financial Plan</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>3</itunes:episode>
      <podcast:episode>3</podcast:episode>
      <itunes:title>Having The Right Mortgage is a Key Part of Your Financial Plan</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">6bd30887-3f7f-4c4d-9d21-af5b0162235d</guid>
      <link>https://share.transistor.fm/s/4faa82a1</link>
      <description>
        <![CDATA[<p>On episode 3, Peter takes over the host mic and is joined by Vy Tri Truong, mortgage broker with Everything Financial.</p><p>As the guys work thru the Omny Formula during Season 3 of the podcast, this episode is all about mortgages and securing the right one as a key part to your financial plan.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>On episode 3, Peter takes over the host mic and is joined by Vy Tri Truong, mortgage broker with Everything Financial.</p><p>As the guys work thru the Omny Formula during Season 3 of the podcast, this episode is all about mortgages and securing the right one as a key part to your financial plan.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Mon, 28 Nov 2022 21:01:39 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/4faa82a1/6bf927c4.mp3" length="27849782" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/bEGY2mfY5OUoqtoqz9ak2raFCcvUySZRLe9HQJpvcjI/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNjUv/MTY5ODEwNDYxOC1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2319</itunes:duration>
      <itunes:summary>On episode 3, Peter takes over the host mic and is joined by Vy Tri Truong, mortgage broker with Everything Financial.As the guys work thru the Omny Formula during Season 3 of the podcast, this episode is all about mortgages and securing the right one as a key part to your financial plan.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>On episode 3, Peter takes over the host mic and is joined by Vy Tri Truong, mortgage broker with Everything Financial.As the guys work thru the Omny Formula during Season 3 of the podcast, this episode is all about mortgages and securing the right one as </itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Necessary Information For Your Financial Plan</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>2</itunes:episode>
      <podcast:episode>2</podcast:episode>
      <itunes:title>Necessary Information For Your Financial Plan</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">dd8d1b4a-d6b5-4410-aff8-af4d012468d0</guid>
      <link>https://share.transistor.fm/s/3c67791d</link>
      <description>
        <![CDATA[<p>On episode 2, Peter and Dave break down the necessary information you need for when you are constructing your financial plan.</p><p>A lot of people are intimidated by what is needed, but Peter shows you just how easy the process can be and breaks it down step by step.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>On episode 2, Peter and Dave break down the necessary information you need for when you are constructing your financial plan.</p><p>A lot of people are intimidated by what is needed, but Peter shows you just how easy the process can be and breaks it down step by step.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Mon, 14 Nov 2022 16:55:20 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/3c67791d/2b7270ed.mp3" length="22884392" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/_Yrhp6ERVxbWh_MYSY6ERmiv8NaiqXuGOphHYJ7Y1UY/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNjQv/MTY5ODEwNDYxNS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1906</itunes:duration>
      <itunes:summary>On episode 2, Peter and Dave break down the necessary information you need for when you are constructing your financial plan.A lot of people are intimidated by what is needed, but Peter shows you just how easy the process can be and breaks it down step by step.  See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>On episode 2, Peter and Dave break down the necessary information you need for when you are constructing your financial plan.A lot of people are intimidated by what is needed, but Peter shows you just how easy the process can be and breaks it down step by</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Top 10 Questions To Ask When Interviewing for a Financial Planner</title>
      <itunes:season>3</itunes:season>
      <podcast:season>3</podcast:season>
      <itunes:episode>1</itunes:episode>
      <podcast:episode>1</podcast:episode>
      <itunes:title>Top 10 Questions To Ask When Interviewing for a Financial Planner</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">31831b95-5a8f-4791-8f56-af3b00440d2d</guid>
      <link>https://share.transistor.fm/s/adadd8cf</link>
      <description>
        <![CDATA[<p>Peter and Dave are back for Season 3 of 'Your Money' and in the season premiere, they talk about the top 10 Questions to ask when you're interviewing from a financial planner. Creating a financial plan is so important and the guys talk about the steps that are involved in finding the right person to fit your needs. If you have a topic or question you want the guys to cover in a future season 3 episode please email <a href="mailto:yourmoney@everythingfinancial.com">yourmoney@everythingfinancial.com</a>  .</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Peter and Dave are back for Season 3 of 'Your Money' and in the season premiere, they talk about the top 10 Questions to ask when you're interviewing from a financial planner. Creating a financial plan is so important and the guys talk about the steps that are involved in finding the right person to fit your needs. If you have a topic or question you want the guys to cover in a future season 3 episode please email <a href="mailto:yourmoney@everythingfinancial.com">yourmoney@everythingfinancial.com</a>  .</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 28 Oct 2022 04:24:20 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/adadd8cf/61a7b731.mp3" length="25244544" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/f01Csq1RFC0eXSR6YzbMuyK8WdcleKkId6kGnlIkWz0/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNjMv/MTY5ODEwNDYxNy1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2102</itunes:duration>
      <itunes:summary>Peter and Dave are back for Season 3 of 'Your Money' and in the season premiere, they talk about the top 10 Questions to ask when you're interviewing from a financial planner. Creating a financial plan is so important and the guys talk about the steps that are involved in finding the right person to fit your needs. If you have a topic or question you want the guys to cover in a future season 3 episode please email yourmoney@everythingfinancial.com  .See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>Peter and Dave are back for Season 3 of 'Your Money' and in the season premiere, they talk about the top 10 Questions to ask when you're interviewing from a financial planner. Creating a financial plan is so important and the guys talk about the steps tha</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>The Top Advice From 'Your Money' Season 2</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>16</itunes:episode>
      <podcast:episode>16</podcast:episode>
      <itunes:title>The Top Advice From 'Your Money' Season 2</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">b8446170-bfa6-41d8-b33b-ae760139dbfc</guid>
      <link>https://share.transistor.fm/s/78b050c7</link>
      <description>
        <![CDATA[<p>Peter and Dave spend this final episode of Season 2 of 'Your Money' recapping the biggest takeaway advice from this season's topics including on RRSPs, TFSAs, Insurance, Portfolio Management, Mortgages and so much more. If you have a topic or question you want the guys to cover in a season 3 episode please email <a href="mailto:yourmoney@everythingfinancial.com">yourmoney@everythingfinancial.com</a>  .</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Peter and Dave spend this final episode of Season 2 of 'Your Money' recapping the biggest takeaway advice from this season's topics including on RRSPs, TFSAs, Insurance, Portfolio Management, Mortgages and so much more. If you have a topic or question you want the guys to cover in a season 3 episode please email <a href="mailto:yourmoney@everythingfinancial.com">yourmoney@everythingfinancial.com</a>  .</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Thu, 14 Apr 2022 00:33:40 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/78b050c7/5e3c88c3.mp3" length="36251974" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/Yc5e-tiui_xZmwnm8Tf75svHlyiDT0JK3il1E2bMC68/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNjIv/MTY5ODEwNDYwNS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>3020</itunes:duration>
      <itunes:summary>Peter and Dave spend this final episode of Season 2 of 'Your Money' recapping the biggest takeaway advice from this season's topics including on RRSPs, TFSAs, Insurance, Portfolio Management, Mortgages and so much more. If you have a topic or question you want the guys to cover in a season 3 episode please email yourmoney@everythingfinancial.com  .See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>Peter and Dave spend this final episode of Season 2 of 'Your Money' recapping the biggest takeaway advice from this season's topics including on RRSPs, TFSAs, Insurance, Portfolio Management, Mortgages and so much more. If you have a topic or question you</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>TFSAs - The New RRSP Season</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>15</itunes:episode>
      <podcast:episode>15</podcast:episode>
      <itunes:title>TFSAs - The New RRSP Season</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">815874d5-ff74-44c0-bc24-ae6201345363</guid>
      <link>https://share.transistor.fm/s/9be3a4e6</link>
      <description>
        <![CDATA[<p>In this episode Peter and Dave are back to raise everyone's financial knowledge talking Tax Free Savings Accounts - and the top 10 things you should know - like withdrawal rules and what happens if you over-contribute - all to help you use your TFSA the right way so you can save money and have it tax free when you need it. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In this episode Peter and Dave are back to raise everyone's financial knowledge talking Tax Free Savings Accounts - and the top 10 things you should know - like withdrawal rules and what happens if you over-contribute - all to help you use your TFSA the right way so you can save money and have it tax free when you need it. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Tue, 29 Mar 2022 17:42:17 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/9be3a4e6/03b77563.mp3" length="29751531" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/2cgZlUN6jsbFyHSSXgW1FdXhJS75rP_wRGm1ryxLQ9I/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNjEv/MTY5ODEwNDYwMy1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2478</itunes:duration>
      <itunes:summary>In this episode Peter and Dave are back to raise everyone's financial knowledge talking Tax Free Savings Accounts - and the top 10 things you should know - like withdrawal rules and what happens if you over-contribute - all to help you use your TFSA the right way so you can save money and have it tax free when you need it. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>In this episode Peter and Dave are back to raise everyone's financial knowledge talking Tax Free Savings Accounts - and the top 10 things you should know - like withdrawal rules and what happens if you over-contribute - all to help you use your TFSA the r</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Taxes Made Easy</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>14</itunes:episode>
      <podcast:episode>14</podcast:episode>
      <itunes:title>Taxes Made Easy</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">469e7200-e0fb-4155-90ea-ae58013a478b</guid>
      <link>https://share.transistor.fm/s/0db6370a</link>
      <description>
        <![CDATA[<p>In this episode Peter and Dave are back to raise everyone's financial knowledge talking taxes - and the top 10 things you should know to help you save time and money when tax time arrives. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In this episode Peter and Dave are back to raise everyone's financial knowledge talking taxes - and the top 10 things you should know to help you save time and money when tax time arrives. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Tue, 15 Mar 2022 17:43:59 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/0db6370a/c38aa6ed.mp3" length="28603582" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/DJnI5UE9UAR6A8DwP3kHE0QZba6NSj1CcjBM0FVqTzI/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNjAv/MTY5ODEwNDYwMC1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2382</itunes:duration>
      <itunes:summary>In this episode Peter and Dave are back to raise everyone's financial knowledge talking taxes - and the top 10 things you should know to help you save time and money when tax time arrives. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>In this episode Peter and Dave are back to raise everyone's financial knowledge talking taxes - and the top 10 things you should know to help you save time and money when tax time arrives. If you have a question for Peter you can send it to yourmoney (at)</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Property Insurance 101 with Josh Krenus of Alteri Insurance</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>13</itunes:episode>
      <podcast:episode>13</podcast:episode>
      <itunes:title>Property Insurance 101 with Josh Krenus of Alteri Insurance</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">250aafd7-27a0-4eb7-9dd4-ae4a012aa619</guid>
      <link>https://share.transistor.fm/s/ddcf2a34</link>
      <description>
        <![CDATA[<p>In this special episode Peter and Dave are joined by Josh Krenus CEO and Founder of Alteri Insurance. Josh gives you the inside scoop on the Top 10 things you need to know - but didn't know to ask - about Property Insurance. From the differences of 'Replacement Value' to 'Depreciated Value', to how claims impact your rates, and what kinds of claims can be considered 'Acts of God', plus more. If you have property insurance questions you can find Josh at <a href="http://www.alteri.ca">www.alteri.ca</a>. If you have a question for Peter email <a href="mailto:yourmoney@everythingfinancial.com">yourmoney@everythingfinancial.com</a> </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In this special episode Peter and Dave are joined by Josh Krenus CEO and Founder of Alteri Insurance. Josh gives you the inside scoop on the Top 10 things you need to know - but didn't know to ask - about Property Insurance. From the differences of 'Replacement Value' to 'Depreciated Value', to how claims impact your rates, and what kinds of claims can be considered 'Acts of God', plus more. If you have property insurance questions you can find Josh at <a href="http://www.alteri.ca">www.alteri.ca</a>. If you have a question for Peter email <a href="mailto:yourmoney@everythingfinancial.com">yourmoney@everythingfinancial.com</a> </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Wed, 02 Mar 2022 22:56:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/ddcf2a34/e3d3fea6.mp3" length="35832275" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/GVjtNmbjO2oc-QYSMMPeYGaIPmxlh5X0midIpA2J2L4/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNTkv/MTY5ODEwNDYwMi1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2985</itunes:duration>
      <itunes:summary>In this special episode Peter and Dave are joined by Josh Krenus CEO and Founder of Alteri Insurance. Josh gives you the inside scoop on the Top 10 things you need to know - but didn't know to ask - about Property Insurance. From the differences of 'Replacement Value' to 'Depreciated Value', to how claims impact your rates, and what kinds of claims can be considered 'Acts of God', plus more. If you have property insurance questions you can find Josh at www.alteri.ca. If you have a question for Peter email yourmoney@everythingfinancial.com See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>In this special episode Peter and Dave are joined by Josh Krenus CEO and Founder of Alteri Insurance. Josh gives you the inside scoop on the Top 10 things you need to know - but didn't know to ask - about Property Insurance. From the differences of 'Repla</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>There's No Such Thing As RRSP Season</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>12</itunes:episode>
      <podcast:episode>12</podcast:episode>
      <itunes:title>There's No Such Thing As RRSP Season</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">1b5b2014-d486-4c72-89b7-ae38016bf21f</guid>
      <link>https://share.transistor.fm/s/feed4aef</link>
      <description>
        <![CDATA[<p>In this episode Peter and Dave are back to raise everyone's financial knowledge delving into one of Peter's biggest annual pet peeves the complete sham that is 'RRSP Season'. Peter explains how to properly use RRSPs as a part of your overall financial plan strategy - year round - for tax planning and investing - including how to know exactly the right amount to buy and how to not fall into the bank and mutual fund's marketing ploys and overbuy. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In this episode Peter and Dave are back to raise everyone's financial knowledge delving into one of Peter's biggest annual pet peeves the complete sham that is 'RRSP Season'. Peter explains how to properly use RRSPs as a part of your overall financial plan strategy - year round - for tax planning and investing - including how to know exactly the right amount to buy and how to not fall into the bank and mutual fund's marketing ploys and overbuy. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Thu, 17 Feb 2022 21:05:55 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/feed4aef/d21b6faf.mp3" length="30289149" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/T--bEpqca1uKtL0l5QC7r959mK1a0S6zO9zDiyJ4qp4/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNTgv/MTY5ODEwNDYwMS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2523</itunes:duration>
      <itunes:summary>In this episode Peter and Dave are back to raise everyone's financial knowledge delving into one of Peter's biggest annual pet peeves the complete sham that is 'RRSP Season'. Peter explains how to properly use RRSPs as a part of your overall financial plan strategy - year round - for tax planning and investing - including how to know exactly the right amount to buy and how to not fall into the bank and mutual fund's marketing ploys and overbuy. If you have a question for Peter you can send it to yourmoney (at) everythingfinancial (dot) com.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>In this episode Peter and Dave are back to raise everyone's financial knowledge delving into one of Peter's biggest annual pet peeves the complete sham that is 'RRSP Season'. Peter explains how to properly use RRSPs as a part of your overall financial pla</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Notary Public 101 with Bart Aldrich</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>10</itunes:episode>
      <podcast:episode>10</podcast:episode>
      <itunes:title>Notary Public 101 with Bart Aldrich</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">19c4b18d-505e-490e-ac51-ae200117955e</guid>
      <link>https://share.transistor.fm/s/887fba95</link>
      <description>
        <![CDATA[<p>In this special episode Peter and Dave are joined by Notary Public Bart Aldrich to delve into 'Notary Public 101' - everything you need to know in how Notary Publics can assist you. The guys cover everything from questions around Wills and Estate Planning to Real Estate Conveyancing and everything in between. You can book a consultation with Bart at coquitlamnotarypublic (dot) ca. If you have a question for Peter send it to yourmoney (at) everythingfinancial (dot) com.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In this special episode Peter and Dave are joined by Notary Public Bart Aldrich to delve into 'Notary Public 101' - everything you need to know in how Notary Publics can assist you. The guys cover everything from questions around Wills and Estate Planning to Real Estate Conveyancing and everything in between. You can book a consultation with Bart at coquitlamnotarypublic (dot) ca. If you have a question for Peter send it to yourmoney (at) everythingfinancial (dot) com.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Thu, 20 Jan 2022 19:50:02 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/887fba95/eab77ef8.mp3" length="28955962" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/w7M8V1lvFanb0qNZ21uyXfsP-aTfJh1jSnfed1wac94/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNTYv/MTY5ODEwNDU5Ni1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2412</itunes:duration>
      <itunes:summary>In this special episode Peter and Dave are joined by Notary Public Bart Aldrich to delve into 'Notary Public 101' - everything you need to know in how Notary Publics can assist you. The guys cover everything from questions around Wills and Estate Planning to Real Estate Conveyancing and everything in between. You can book a consultation with Bart at coquitlamnotarypublic (dot) ca. If you have a question for Peter send it to yourmoney (at) everythingfinancial (dot) com.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>In this special episode Peter and Dave are joined by Notary Public Bart Aldrich to delve into 'Notary Public 101' - everything you need to know in how Notary Publics can assist you. The guys cover everything from questions around Wills and Estate Planning</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Disability Insurance Made Easy</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>9</itunes:episode>
      <podcast:episode>9</podcast:episode>
      <itunes:title>Disability Insurance Made Easy</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/c1661756</link>
      <description>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial spend this episode discussing everything you need to know about Disability Insurance - why you need it, how it works, the different kinds for individuals and businesses - all the questions you didn't know to ask. It's Disability Insurance Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial spend this episode discussing everything you need to know about Disability Insurance - why you need it, how it works, the different kinds for individuals and businesses - all the questions you didn't know to ask. It's Disability Insurance Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Wed, 05 Jan 2022 18:04:27 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/c1661756/cc1327ff.mp3" length="30744921" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/1DtMUHOdi5YYDhF9yblJyUuI8d0k2DQg9GikU75MU0Q/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNTUv/MTY5ODEwNDU5NS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2561</itunes:duration>
      <itunes:summary>David Pratt and Peter Cishecki President of Everything Financial spend this episode discussing everything you need to know about Disability Insurance - why you need it, how it works, the different kinds for individuals and businesses - all the questions you didn't know to ask. It's Disability Insurance Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.  See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>David Pratt and Peter Cishecki President of Everything Financial spend this episode discussing everything you need to know about Disability Insurance - why you need it, how it works, the different kinds for individuals and businesses - all the questions y</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Top 10 New Year's Financial Resolutions</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>8</itunes:episode>
      <podcast:episode>8</podcast:episode>
      <itunes:title>Top 10 New Year's Financial Resolutions</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/59fa1b96</link>
      <description>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial get you ready for 2022 with Peter's Top 10 New Year's Financial Resolutions. The list covers the most impactful changes everyone can make to start saving on taxes, fees, and the their mortgages, and to finally take charge of their finances and set themselves and their families up for financial well-being and peace of mind going forward. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial get you ready for 2022 with Peter's Top 10 New Year's Financial Resolutions. The list covers the most impactful changes everyone can make to start saving on taxes, fees, and the their mortgages, and to finally take charge of their finances and set themselves and their families up for financial well-being and peace of mind going forward. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Sun, 12 Dec 2021 22:23:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/59fa1b96/85f39c40.mp3" length="26308093" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/GKaEIT9AH737uVo1rcuhMvgclCUfHc9fo3C-CZ2rPC0/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNTQv/MTY5ODEwNDU5NS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2191</itunes:duration>
      <itunes:summary>David Pratt and Peter Cishecki President of Everything Financial get you ready for 2022 with Peter's Top 10 New Year's Financial Resolutions. The list covers the most impactful changes everyone can make to start saving on taxes, fees, and the their mortgages, and to finally take charge of their finances and set themselves and their families up for financial well-being and peace of mind going forward. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.  See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>David Pratt and Peter Cishecki President of Everything Financial get you ready for 2022 with Peter's Top 10 New Year's Financial Resolutions. The list covers the most impactful changes everyone can make to start saving on taxes, fees, and the their mortga</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Mortgages Made Easy</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>7</itunes:episode>
      <podcast:episode>7</podcast:episode>
      <itunes:title>Mortgages Made Easy</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">98a80cd0-aa5e-4fad-9f7b-adef0128e4d8</guid>
      <link>https://share.transistor.fm/s/f60f367d</link>
      <description>
        <![CDATA[<p>David Pratt, Peter Cishecki President of Everything Financial, and EFG's mortgage professional Vy Tri Troung dedicate this episode to answering the top 10 common questions about mortgages - the biggest financial investment most of us will ever make - cutting thru a lot of the confusion.  it's Mortgages Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>David Pratt, Peter Cishecki President of Everything Financial, and EFG's mortgage professional Vy Tri Troung dedicate this episode to answering the top 10 common questions about mortgages - the biggest financial investment most of us will ever make - cutting thru a lot of the confusion.  it's Mortgages Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 10 Dec 2021 12:40:04 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/f60f367d/de30799d.mp3" length="33398104" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/7vU_YqXvkAOBKkLMVgR6cJhED_OqLrxJSoDTV9Kjm3w/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNTMv/MTY5ODEwNDU5NS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2782</itunes:duration>
      <itunes:summary>David Pratt, Peter Cishecki President of Everything Financial, and EFG's mortgage professional Vy Tri Troung dedicate this episode to answering the top 10 common questions about mortgages - the biggest financial investment most of us will ever make - cutting thru a lot of the confusion.  it's Mortgages Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everythingfinancial (dot) com.  See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>David Pratt, Peter Cishecki President of Everything Financial, and EFG's mortgage professional Vy Tri Troung dedicate this episode to answering the top 10 common questions about mortgages - the biggest financial investment most of us will ever make - cutt</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Life Insurance Made Easy</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>6</itunes:episode>
      <podcast:episode>6</podcast:episode>
      <itunes:title>Life Insurance Made Easy</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/db979330</link>
      <description>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial spend this episode discussing the ins and outs of Life Insurance - why you need it, how it works, how to know how much to buy and much more - all the questions you didn't know to ask. It's Life Insurance Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial spend this episode discussing the ins and outs of Life Insurance - why you need it, how it works, how to know how much to buy and much more - all the questions you didn't know to ask. It's Life Insurance Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 26 Nov 2021 18:33:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/db979330/ff2bfe80.mp3" length="28059417" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/T6jSVK71mBcXGSFKAp71VdTSTnb8LQCqJoGOPMGqUlo/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNTIv/MTY5ODEwNDU4My1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2337</itunes:duration>
      <itunes:summary>David Pratt and Peter Cishecki President of Everything Financial spend this episode discussing the ins and outs of Life Insurance - why you need it, how it works, how to know how much to buy and much more - all the questions you didn't know to ask. It's Life Insurance Made Easy. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>David Pratt and Peter Cishecki President of Everything Financial spend this episode discussing the ins and outs of Life Insurance - why you need it, how it works, how to know how much to buy and much more - all the questions you didn't know to ask. It's L</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Differences between 'Fee Based Financial Planning' and a 'Commission Based Advisor'</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>5</itunes:episode>
      <podcast:episode>5</podcast:episode>
      <itunes:title>Differences between 'Fee Based Financial Planning' and a 'Commission Based Advisor'</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/fc9946ab</link>
      <description>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial discuss in detail the 10 key questions on the differences between 'Fee Based Financial Planning' and a 'Commission Based Advisor'. From understanding what items pay commission to an advisor to how the 'fee for service' model works and so much more. You'll learn about the questions that you didn't even know to ask. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial discuss in detail the 10 key questions on the differences between 'Fee Based Financial Planning' and a 'Commission Based Advisor'. From understanding what items pay commission to an advisor to how the 'fee for service' model works and so much more. You'll learn about the questions that you didn't even know to ask. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 12 Nov 2021 13:00:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/fc9946ab/736f8187.mp3" length="33082255" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/F7BCeefkFx2k-siGm8vXgYWVWXVNiUklweg6RXtGqRo/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNTEv/MTY5ODEwNDU4NS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2755</itunes:duration>
      <itunes:summary>David Pratt and Peter Cishecki President of Everything Financial discuss in detail the 10 key questions on the differences between 'Fee Based Financial Planning' and a 'Commission Based Advisor'. From understanding what items pay commission to an advisor to how the 'fee for service' model works and so much more. You'll learn about the questions that you didn't even know to ask. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>David Pratt and Peter Cishecki President of Everything Financial discuss in detail the 10 key questions on the differences between 'Fee Based Financial Planning' and a 'Commission Based Advisor'. From understanding what items pay commission to an advisor </itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Top 10 Questions To Ask Your Financial Advisor</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>4</itunes:episode>
      <podcast:episode>4</podcast:episode>
      <itunes:title>Top 10 Questions To Ask Your Financial Advisor</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/c964bca6</link>
      <description>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial reveal and discuss in detail the Top 10 Questions That You Should Ask Your Financial Advisor. From understanding what the different financial advisor designations are and what they mean to understanding what goes into a financial plan and much more - you'll learn about the questions that you didn't even know to ask. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial reveal and discuss in detail the Top 10 Questions That You Should Ask Your Financial Advisor. From understanding what the different financial advisor designations are and what they mean to understanding what goes into a financial plan and much more - you'll learn about the questions that you didn't even know to ask. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 22 Oct 2021 13:00:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/c964bca6/6de7419d.mp3" length="33653949" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/Y7cecn_wNJPEvLpRoI4nhzmWWhhd0JfavjraczhUg_4/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNTAv/MTY5ODEwNDU4MC1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2803</itunes:duration>
      <itunes:summary>David Pratt and Peter Cishecki President of Everything Financial reveal and discuss in detail the Top 10 Questions That You Should Ask Your Financial Advisor. From understanding what the different financial advisor designations are and what they mean to understanding what goes into a financial plan and much more - you'll learn about the questions that you didn't even know to ask. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>David Pratt and Peter Cishecki President of Everything Financial reveal and discuss in detail the Top 10 Questions That You Should Ask Your Financial Advisor. From understanding what the different financial advisor designations are and what they mean to u</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>How to Legally Deduct the Interest on your Mortgage in Canada</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>3</itunes:episode>
      <podcast:episode>3</podcast:episode>
      <itunes:title>How to Legally Deduct the Interest on your Mortgage in Canada</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">14f04b37-1131-4671-a85c-ada4012ebc1a</guid>
      <link>https://share.transistor.fm/s/4a44500b</link>
      <description>
        <![CDATA[<p>David Pratt and Peter Cishecki, President of Everything Financial, discuss one of the most asked questions in personal finance - how can you legally deduct the interest on your mortgage in Canada - like our neighbours in the US get to do? You can and Peter walks you through the entire process, step-by step, so you can understand exactly how it works and whether it may be a fit for your financial situation allowing you significant tax savings and taking years of your mortgage.  Learn more about this topic  at everythingfinancial (dot) com and if you have a question for Peter you may email the podcast at yourmoney (at) everythingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>David Pratt and Peter Cishecki, President of Everything Financial, discuss one of the most asked questions in personal finance - how can you legally deduct the interest on your mortgage in Canada - like our neighbours in the US get to do? You can and Peter walks you through the entire process, step-by step, so you can understand exactly how it works and whether it may be a fit for your financial situation allowing you significant tax savings and taking years of your mortgage.  Learn more about this topic  at everythingfinancial (dot) com and if you have a question for Peter you may email the podcast at yourmoney (at) everythingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 08 Oct 2021 13:00:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/4a44500b/fefc70c3.mp3" length="31417061" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/4yb126uJhJQDWXAxY76THxL3bezWTzlk9GwwFhUqQfY/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNDkv/MTY5ODEwNDU4MS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2617</itunes:duration>
      <itunes:summary>David Pratt and Peter Cishecki, President of Everything Financial, discuss one of the most asked questions in personal finance - how can you legally deduct the interest on your mortgage in Canada - like our neighbours in the US get to do? You can and Peter walks you through the entire process, step-by step, so you can understand exactly how it works and whether it may be a fit for your financial situation allowing you significant tax savings and taking years of your mortgage.  Learn more about this topic  at everythingfinancial (dot) com and if you have a question for Peter you may email the podcast at yourmoney (at) everythingfinancial (dot) com.  See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>David Pratt and Peter Cishecki, President of Everything Financial, discuss one of the most asked questions in personal finance - how can you legally deduct the interest on your mortgage in Canada - like our neighbours in the US get to do? You can and Pete</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>RRSPs vs. TFSAs</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>2</itunes:episode>
      <podcast:episode>2</podcast:episode>
      <itunes:title>RRSPs vs. TFSAs</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">42e1fb31-b490-458c-9e82-ad980025308a</guid>
      <link>https://share.transistor.fm/s/797c60b1</link>
      <description>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial talk the big misconceptions and confusion around RRSPs and TFSAs. The guys debunk the myths about "RRSP Season' and why maximizing your RRSP may not be the best route to save on taxes, how you can do more than let your TFSA sit in and bank account earning next to nothing and much more info on how you should use RRSPs and TFSAs properly as part of a comprehensive financial plan. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>David Pratt and Peter Cishecki President of Everything Financial talk the big misconceptions and confusion around RRSPs and TFSAs. The guys debunk the myths about "RRSP Season' and why maximizing your RRSP may not be the best route to save on taxes, how you can do more than let your TFSA sit in and bank account earning next to nothing and much more info on how you should use RRSPs and TFSAs properly as part of a comprehensive financial plan. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 03 Sep 2021 10:00:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/797c60b1/c0d32251.mp3" length="30869965" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/5EBMZUP6s1mvcIOA_YshZq1wM-YhcAjtF8IAC7T5azU/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNDgv/MTY5ODEwNDU3OS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2571</itunes:duration>
      <itunes:summary>David Pratt and Peter Cishecki President of Everything Financial talk the big misconceptions and confusion around RRSPs and TFSAs. The guys debunk the myths about "RRSP Season' and why maximizing your RRSP may not be the best route to save on taxes, how you can do more than let your TFSA sit in and bank account earning next to nothing and much more info on how you should use RRSPs and TFSAs properly as part of a comprehensive financial plan. If you have a question for Peter email the podcast at yourmoney (at) everthingfinancial (dot) com.  See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>David Pratt and Peter Cishecki President of Everything Financial talk the big misconceptions and confusion around RRSPs and TFSAs. The guys debunk the myths about "RRSP Season' and why maximizing your RRSP may not be the best route to save on taxes, how y</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>The OMNI Formula Comprehensive Financial Plan</title>
      <itunes:season>2</itunes:season>
      <podcast:season>2</podcast:season>
      <itunes:episode>1</itunes:episode>
      <podcast:episode>1</podcast:episode>
      <itunes:title>The OMNI Formula Comprehensive Financial Plan</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ee23918c-819b-4069-8f89-ad860125f0ed</guid>
      <link>https://share.transistor.fm/s/8b2e0d6b</link>
      <description>
        <![CDATA[<p>In the first episode of Season 2 of the 'Your Money' personal finance podcast David Pratt and Peter Cishecki - President of Everything Financial - talk in-depth on everything you need to know about financial plans and Everything Financial's proprietary comprehensive financial plan called the OMNI Formula. Peter explains everything that should be a part of a proper, comprehensive financial plan and how the OMNI Formula financial plan is designed to help you achieve your financial goals and obtain a work optional lifestyle.</p>
<p>If you have a personal finance question you can email David and Peter at yourmoney(at)everythingfinancial(dot)com</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In the first episode of Season 2 of the 'Your Money' personal finance podcast David Pratt and Peter Cishecki - President of Everything Financial - talk in-depth on everything you need to know about financial plans and Everything Financial's proprietary comprehensive financial plan called the OMNI Formula. Peter explains everything that should be a part of a proper, comprehensive financial plan and how the OMNI Formula financial plan is designed to help you achieve your financial goals and obtain a work optional lifestyle.</p>
<p>If you have a personal finance question you can email David and Peter at yourmoney(at)everythingfinancial(dot)com</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 20 Aug 2021 10:00:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/8b2e0d6b/d6a9f656.mp3" length="31421731" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/TeALpvQubrjh0yCba4r5AIVZqtkhr_-L_5a12A__uQg/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNDcv/MTY5ODEwNDU4MC1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2617</itunes:duration>
      <itunes:summary>In the first episode of Season 2 of the 'Your Money' personal finance podcast David Pratt and Peter Cishecki - President of Everything Financial - talk in-depth on everything you need to know about financial plans and Everything Financial's proprietary comprehensive financial plan called the OMNI Formula. Peter explains everything that should be a part of a proper, comprehensive financial plan and how the OMNI Formula financial plan is designed to help you achieve your financial goals and obtain a work optional lifestyle.</itunes:summary>
      <itunes:subtitle>In the first episode of Season 2 of the 'Your Money' personal finance podcast David Pratt and Peter Cishecki - President of Everything Financial - talk in-depth on everything you need to know about financial plans and Everything Financial's proprietary co</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Tax Planning</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>15</itunes:episode>
      <podcast:episode>15</podcast:episode>
      <itunes:title>Tax Planning</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ece02a3a-6396-4c45-9963-acdb0061e811</guid>
      <link>https://share.transistor.fm/s/59d01527</link>
      <description>
        <![CDATA[<p>Episode 15 of ‘Your Money’ Peter and Jon get into everything you need to know about Tax Planning and why it is such a crucial part of a comprehensive financial plan.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Episode 15 of ‘Your Money’ Peter and Jon get into everything you need to know about Tax Planning and why it is such a crucial part of a comprehensive financial plan.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 26 Feb 2021 13:00:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/59d01527/9e568c97.mp3" length="32869895" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/eJXSRxffstUijWDm7ssH8P5FgvV9VOPq8E8L1nOYN6k/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNDYv/MTY5ODEwNDU3My1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2738</itunes:duration>
      <itunes:summary>Episode 15 of ‘Your Money’ Peter and Jon get into everything you need to know about Tax Planning and why it is such a crucial part of a comprehensive financial plan.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>Episode 15 of ‘Your Money’ Peter and Jon get into everything you need to know about Tax Planning and why it is such a crucial part of a comprehensive financial plan.See omnystudio.com/listener for privacy information.</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Ask Peter</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>14</itunes:episode>
      <podcast:episode>14</podcast:episode>
      <itunes:title>Ask Peter</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">51642ea5-1bc6-489c-8ff7-accc017370b9</guid>
      <link>https://share.transistor.fm/s/09de98a0</link>
      <description>
        <![CDATA[<p>Peter answers listeners personal finance questions on RRSPs, Reverse Mortgages, Crypto Currency and much more.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Peter answers listeners personal finance questions on RRSPs, Reverse Mortgages, Crypto Currency and much more.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 12 Feb 2021 13:00:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/09de98a0/f59d3990.mp3" length="33630993" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/Lab9Ode2UYyvO9sKeYMw5XLCGw5twkdxmCPnrPaAXYA/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNDUv/MTY5ODEwNDU2OS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2801</itunes:duration>
      <itunes:summary>Peter answers listeners personal finance questions on RRSPs, Reverse Mortgages, Crypto Currency and much more.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>Peter answers listeners personal finance questions on RRSPs, Reverse Mortgages, Crypto Currency and much more.See omnystudio.com/listener for privacy information.</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Biggest RRSP Myths</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>13</itunes:episode>
      <podcast:episode>13</podcast:episode>
      <itunes:title>Biggest RRSP Myths</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">a8708665-2960-4e2a-adde-acbe004642db</guid>
      <link>https://share.transistor.fm/s/eb8521d1</link>
      <description>
        <![CDATA[<p>Peter and Jon debunk the biggest myths around RRSPs that cost you money that the big banks and mutual fund companies don’t tell you.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Peter and Jon debunk the biggest myths around RRSPs that cost you money that the big banks and mutual fund companies don’t tell you.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 29 Jan 2021 13:00:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/eb8521d1/532a00ed.mp3" length="33556405" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/zPevKw8keFfTAQw58t2MlSmVw_xa4OPr1cihtsuzNKk/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNDQv/MTY5ODEwNDU3MC1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2795</itunes:duration>
      <itunes:summary>Peter and Jon debunk the biggest myths around RRSPs that cost you money that the big banks and mutual fund companies don’t tell you.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>Peter and Jon debunk the biggest myths around RRSPs that cost you money that the big banks and mutual fund companies don’t tell you.See omnystudio.com/listener for privacy information.</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Most Common Mortgage Mistakes</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>12</itunes:episode>
      <podcast:episode>12</podcast:episode>
      <itunes:title>Most Common Mortgage Mistakes</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">108d3c1a-c443-42e6-a371-acb100016ffa</guid>
      <link>https://share.transistor.fm/s/865bfbd6</link>
      <description>
        <![CDATA[<p>Peter and Jon are joined by Mortgage Expert Vy Tri Troung who reveals the most common mortgage mistakes and misconceptions that end up costing consumers more of their money, and how to fix them.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Peter and Jon are joined by Mortgage Expert Vy Tri Troung who reveals the most common mortgage mistakes and misconceptions that end up costing consumers more of their money, and how to fix them.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 15 Jan 2021 13:00:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/865bfbd6/ada80c67.mp3" length="28967548" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/0V18ARi15wYZJUD_p6fH_4QnpmKhYaMHShqD8Gw33DQ/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNDMv/MTY5ODEwNDU2Ny1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2413</itunes:duration>
      <itunes:summary>Peter and Jon are joined by Mortgage Expert Vy Tri Troung who reveals the most common mortgage mistakes and misconceptions that end up costing consumers more of their money, and how to fix them.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>Peter and Jon are joined by Mortgage Expert Vy Tri Troung who reveals the most common mortgage mistakes and misconceptions that end up costing consumers more of their money, and how to fix them.See omnystudio.com/listener for privacy information.</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Top 10 New Year's Personal Finance Resolutions</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>11</itunes:episode>
      <podcast:episode>11</podcast:episode>
      <itunes:title>Top 10 New Year's Personal Finance Resolutions</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">96b2873c-d2e7-40bb-93d8-ac9801628305</guid>
      <link>https://share.transistor.fm/s/5b941aef</link>
      <description>
        <![CDATA[<p>In Episode 11 of 'Your Money' Peter and Jon discuss the Top 10 New Year's Personal Finance Resolutions to make 2021 the year you can get your money truly working for you with a proper financial plan for your future.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In Episode 11 of 'Your Money' Peter and Jon discuss the Top 10 New Year's Personal Finance Resolutions to make 2021 the year you can get your money truly working for you with a proper financial plan for your future.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 01 Jan 2021 13:00:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/5b941aef/29ad3f76.mp3" length="33185313" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/ZnuZ3k5wCHxMbF1qBCvIBkFtUlZftVntoN1LscsrLZw/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNDIv/MTY5ODEwNDU3MS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2764</itunes:duration>
      <itunes:summary>In Episode 11 of 'Your Money' Peter and Jon discuss the Top 10 New Year's Personal Finance Resolutions to make 2021 the year you can get your money truly working for you with a proper financial plan for your future.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>In Episode 11 of 'Your Money' Peter and Jon discuss the Top 10 New Year's Personal Finance Resolutions to make 2021 the year you can get your money truly working for you with a proper financial plan for your future.See omnystudio.com/listener for privacy </itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Five Unexpected Expenses in Retirement</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>10</itunes:episode>
      <podcast:episode>10</podcast:episode>
      <itunes:title>Five Unexpected Expenses in Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">49801290-6945-46dc-93da-ac94017fd064</guid>
      <link>https://share.transistor.fm/s/f83aa302</link>
      <description>
        <![CDATA[<p>In Episode 10 of 'Your Money' Peter and Jon discuss five unexpected expenses in retirement that happen with regularity and how you can incorporate them into your financial plan so you can retire worry free.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In Episode 10 of 'Your Money' Peter and Jon discuss five unexpected expenses in retirement that happen with regularity and how you can incorporate them into your financial plan so you can retire worry free.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 18 Dec 2020 13:00:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/f83aa302/e56882db.mp3" length="27188314" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/gfa24AEEHjRg6DYbgr3pwMD9qwcwN46wRbA9tGXNfec/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwNDEv/MTY5ODEwNDU2MS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>2264</itunes:duration>
      <itunes:summary>In Episode 10 of 'Your Money' Peter and Jon discuss five unexpected expenses in retirement that happen with regularity and how you can incorporate them into your financial plan so you can retire worry free.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>In Episode 10 of 'Your Money' Peter and Jon discuss five unexpected expenses in retirement that happen with regularity and how you can incorporate them into your financial plan so you can retire worry free.See omnystudio.com/listener for privacy informati</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Wills &amp; Estate Planning with BC Notary Public Bart Aldrich</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>7</itunes:episode>
      <podcast:episode>7</podcast:episode>
      <itunes:title>Wills &amp; Estate Planning with BC Notary Public Bart Aldrich</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">21ee7551-f08c-405f-8e8d-ac690169bca4</guid>
      <link>https://share.transistor.fm/s/08c44dab</link>
      <description>
        <![CDATA[<p>In Ep. 7 of ‘Your Money’ Peter and Jon are joined by special guest BC Notary Public Bart Aldrich to discuss everything you need to know around Wills, Estate Planning, Powers of Attorney, and Advanced Medical Directives and how they are all a critical part of your overall financial plan. You can visit Bart at coquitlamnotarypublic.ca</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In Ep. 7 of ‘Your Money’ Peter and Jon are joined by special guest BC Notary Public Bart Aldrich to discuss everything you need to know around Wills, Estate Planning, Powers of Attorney, and Advanced Medical Directives and how they are all a critical part of your overall financial plan. You can visit Bart at coquitlamnotarypublic.ca</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 06 Nov 2020 13:00:00 -0100</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/08c44dab/dd73a600.mp3" length="17313754" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/3_Ri8JE9sQgCg5iWCxiVgcIwlwl9RdEd8tFHe0qZjWM/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwMzgv/MTY5ODEwNDU1Ny1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1441</itunes:duration>
      <itunes:summary>In Ep. 7 of ‘Your Money’ Peter and Jon are joined by special guest BC Notary Public Bart Aldrich to discuss everything you need to know around Wills, Estate Planning, Powers of Attorney, and Advanced Medical Directives and how they are all a critical part of your overall financial plan. You can visit Bart at coquitlamnotarypublic.caSee omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>In Ep. 7 of ‘Your Money’ Peter and Jon are joined by special guest BC Notary Public Bart Aldrich to discuss everything you need to know around Wills, Estate Planning, Powers of Attorney, and Advanced Medical Directives and how they are all a critical part</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Changes to Canada's COVID Benefit Programs</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>6</itunes:episode>
      <podcast:episode>6</podcast:episode>
      <itunes:title>Changes to Canada's COVID Benefit Programs</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/b30dc52c</link>
      <description>
        <![CDATA[<p>In Ep. 6 Peter and Jon discuss everything you need to know about the recently implemented changes to the Federal government's various COVID-19 emergency relief benefit programs for both individuals and businesses.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In Ep. 6 Peter and Jon discuss everything you need to know about the recently implemented changes to the Federal government's various COVID-19 emergency relief benefit programs for both individuals and businesses.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 23 Oct 2020 12:00:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/b30dc52c/9c463143.mp3" length="21867805" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/ZASJyvBR9PJsLRcBH2feTDG_qDNtSZK0POSaOeLbli8/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwMzcv/MTY5ODEwNDU1Ny1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1821</itunes:duration>
      <itunes:summary>In Ep. 6 Peter and Jon discuss everything you need to know about the recently implemented changes to the Federal government's various COVID-19 emergency relief benefit programs for both individuals and businesses.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>In Ep. 6 Peter and Jon discuss everything you need to know about the recently implemented changes to the Federal government's various COVID-19 emergency relief benefit programs for both individuals and businesses.See omnystudio.com/listener for privacy in</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Ask Peter Anything</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>5</itunes:episode>
      <podcast:episode>5</podcast:episode>
      <itunes:title>Ask Peter Anything</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/c43c9796</link>
      <description>
        <![CDATA[<p>In Episode 5 Jon asks Peter a bunch of the top listener and viewer questions that have come in to yourmoney@everythingfinancial.com. Questions range from how much money you need for retirement, to ways to lower your taxes and save money on fees, and much more.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In Episode 5 Jon asks Peter a bunch of the top listener and viewer questions that have come in to yourmoney@everythingfinancial.com. Questions range from how much money you need for retirement, to ways to lower your taxes and save money on fees, and much more.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 09 Oct 2020 12:00:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/c43c9796/baf39d3d.mp3" length="23104707" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/WMnjVLXKQMlHQpjM7vhSYlKCMgCwS6DeBEdvmv0tI64/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwMzYv/MTY5ODEwNDU1MC1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1924</itunes:duration>
      <itunes:summary>In Episode 5 Jon asks Peter a bunch of the top listener and viewer questions that have come in to yourmoney@everythingfinancial.com. Questions range from how much money you need for retirement, to ways to lower your taxes and save money on fees, and much more.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>In Episode 5 Jon asks Peter a bunch of the top listener and viewer questions that have come in to yourmoney@everythingfinancial.com. Questions range from how much money you need for retirement, to ways to lower your taxes and save money on fees, and much </itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Everything Mortgages</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>4</itunes:episode>
      <podcast:episode>4</podcast:episode>
      <itunes:title>Everything Mortgages</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/f9b57ce0</link>
      <description>
        <![CDATA[<p>Peter Cishecki is joined by Mortgage expert Vy Tri Truong. The guys get into everything you need to know about mortgages whether you are a first-time home buyer or needing to refinance or renew your mortgage and discuss using a mortgage broker versus the bank and the different options of mortgage that exist including Home Equity Lines of Credit and the best ways to lower your costs of borrowing.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Peter Cishecki is joined by Mortgage expert Vy Tri Truong. The guys get into everything you need to know about mortgages whether you are a first-time home buyer or needing to refinance or renew your mortgage and discuss using a mortgage broker versus the bank and the different options of mortgage that exist including Home Equity Lines of Credit and the best ways to lower your costs of borrowing.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 25 Sep 2020 21:01:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/f9b57ce0/16daa5c7.mp3" length="18866605" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/7VpRWswUpY30NI0jaFCw-EUikcmb2eh4CO2Kxt53Mzo/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwMzUv/MTY5ODEwNDU1MS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1571</itunes:duration>
      <itunes:summary>Peter Cishecki is joined by Mortgage expert Vy Tri Truong. The guys get into everything you need to know about mortgages whether you are a first-time home buyer or needing to refinance or renew your mortgage and discuss using a mortgage broker versus the bank and the different options of mortgage that exist including Home Equity Lines of Credit and the best ways to lower your costs of borrowing.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>Peter Cishecki is joined by Mortgage expert Vy Tri Truong. The guys get into everything you need to know about mortgages whether you are a first-time home buyer or needing to refinance or renew your mortgage and discuss using a mortgage broker versus the </itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>OMNI Formula</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>3</itunes:episode>
      <podcast:episode>3</podcast:episode>
      <itunes:title>OMNI Formula</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">5b74951a-16ee-4e20-875c-ac32014c52e3</guid>
      <link>https://share.transistor.fm/s/6b456050</link>
      <description>
        <![CDATA[<p>In Episode 3 of the Your Money Personal Finance Podcast Jon and Peter discuss Everything Financial's proprietary OMNI Formula. Peter explains how he developed the OMNI Formula and what it is all about as a system to help individuals achieve their financial goals and obtain a work-optional lifestyle. Peter also discusses why having a financial plan - at whatever stage you are in life is critical, especially in turbulent times like these.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In Episode 3 of the Your Money Personal Finance Podcast Jon and Peter discuss Everything Financial's proprietary OMNI Formula. Peter explains how he developed the OMNI Formula and what it is all about as a system to help individuals achieve their financial goals and obtain a work-optional lifestyle. Peter also discusses why having a financial plan - at whatever stage you are in life is critical, especially in turbulent times like these.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 11 Sep 2020 12:00:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/6b456050/21e97378.mp3" length="21136421" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/eW9wSUglCiN2OVodobQOMs9t9mcu0zRFyin5GvWnZqA/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwMzQv/MTY5ODEwNDU1MS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1760</itunes:duration>
      <itunes:summary>In Episode 3 of the Your Money Personal Finance Podcast Jon and Peter discuss Everything Financial's proprietary OMNI Formula. Peter explains how he developed the OMNI Formula and what it is all about as a system to help individuals achieve their financial goals and obtain a work-optional lifestyle. Peter also discusses why having a financial plan - at whatever stage you are in life is critical, especially in turbulent times like these.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>In Episode 3 of the Your Money Personal Finance Podcast Jon and Peter discuss Everything Financial's proprietary OMNI Formula. Peter explains how he developed the OMNI Formula and what it is all about as a system to help individuals achieve their financia</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Canada's Emergency Benefit Programs for Individuals and Businesses</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>2</itunes:episode>
      <podcast:episode>2</podcast:episode>
      <itunes:title>Canada's Emergency Benefit Programs for Individuals and Businesses</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/7c2e830d</link>
      <description>
        <![CDATA[<p>Jon and Peter discuss the various COVID19 emergency benefit programs the federal government has already rolled out for individuals and businesses. The guys tell you everything you need to know about the Canada Emergency Response Benefit, the Canada Emergency Wage Subsidy, the Canada Emergency Business Account and more.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Jon and Peter discuss the various COVID19 emergency benefit programs the federal government has already rolled out for individuals and businesses. The guys tell you everything you need to know about the Canada Emergency Response Benefit, the Canada Emergency Wage Subsidy, the Canada Emergency Business Account and more.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Fri, 28 Aug 2020 13:00:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/7c2e830d/cae27322.mp3" length="20746260" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/_Je_-stwoNzt_uE8w2Wfk3Fp7I81TqAPbpRFiKpScZg/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwMzMv/MTY5ODEwNDU1MC1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1727</itunes:duration>
      <itunes:summary>Jon and Peter discuss the various COVID19 emergency benefit programs the federal government has already rolled out for individuals and businesses. The guys tell you everything you need to know about the Canada Emergency Response Benefit, the Canada Emergency Wage Subsidy, the Canada Emergency Business Account and more.See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>Jon and Peter discuss the various COVID19 emergency benefit programs the federal government has already rolled out for individuals and businesses. The guys tell you everything you need to know about the Canada Emergency Response Benefit, the Canada Emerge</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Hidden Fees &amp; Financial Transparency</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>1</itunes:episode>
      <podcast:episode>1</podcast:episode>
      <itunes:title>Hidden Fees &amp; Financial Transparency</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">6ad54e1b-62fb-444f-a05d-ac15002a4067</guid>
      <link>https://share.transistor.fm/s/72639264</link>
      <description>
        <![CDATA[<p>In Episode #1 of the 'Your Money' Personal Finance podcast Jon and Peter tackle the huge issue of hidden fees and the lack of transparency and disclosure laws in Canada for mutual funds and many banking products that end up eating away your retirement savings by costing you significant dollars every year. Also, Peter explains the differences between a Portfolio Manager and an Investment Advisor and the impact that Portfolio Managers having a 'fiduciary duty' has on your financial plan.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In Episode #1 of the 'Your Money' Personal Finance podcast Jon and Peter tackle the huge issue of hidden fees and the lack of transparency and disclosure laws in Canada for mutual funds and many banking products that end up eating away your retirement savings by costing you significant dollars every year. Also, Peter explains the differences between a Portfolio Manager and an Investment Advisor and the impact that Portfolio Managers having a 'fiduciary duty' has on your financial plan.</p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Thu, 13 Aug 2020 22:00:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/72639264/1ef83870.mp3" length="20699179" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/4oFuo5VT2qduWe3LMAHvw6TYrNKDVtUuk2bAXupmU4s/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwMzIv/MTY5ODEwNDU0MC1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>1723</itunes:duration>
      <itunes:summary>In Episode #1 of the 'Your Money' Personal Finance podcast Jon and Peter tackle the huge issue of hidden fees and the lack of transparency and disclosure laws in Canada for mutual funds and many banking products that end up eating away your retirement savings by costing you significant dollars every year. Also, Peter explains the differences between a Portfolio Manager and an Investment Advisor and the impact that Portfolio Managers having a 'fiduciary duty' has on your financial plan.</itunes:summary>
      <itunes:subtitle>In Episode #1 of the 'Your Money' Personal Finance podcast Jon and Peter tackle the huge issue of hidden fees and the lack of transparency and disclosure laws in Canada for mutual funds and many banking products that end up eating away your retirement sav</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Show Promo</title>
      <itunes:season>1</itunes:season>
      <podcast:season>1</podcast:season>
      <itunes:episode>1</itunes:episode>
      <podcast:episode>1</podcast:episode>
      <itunes:title>Show Promo</itunes:title>
      <itunes:episodeType>trailer</itunes:episodeType>
      <guid isPermaLink="false">76e5882f-a495-436f-8d35-ac00014072f8</guid>
      <link>https://share.transistor.fm/s/c5aba330</link>
      <description>
        <![CDATA[<p>Each week on The Your Money Podcast host Jon Abbott and Peter Cishecki, President of the Everything Financial Group, are joined by industry expert guests to discuss in-depth everything you need to know about the most important topics in the world of personal finance. Covering a wide-range of often misunderstood finance products including; Mutual Funds, Mortgages; Disability and Critical Illness Insurance; Retirement Planning; TSFAs vs.RSPs; Robo-Investing, and much more - all so listeners can learn more so they may pay less fees on their investments and banking products; earn and save more money for their retirement, and pay less taxes. </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Each week on The Your Money Podcast host Jon Abbott and Peter Cishecki, President of the Everything Financial Group, are joined by industry expert guests to discuss in-depth everything you need to know about the most important topics in the world of personal finance. Covering a wide-range of often misunderstood finance products including; Mutual Funds, Mortgages; Disability and Critical Illness Insurance; Retirement Planning; TSFAs vs.RSPs; Robo-Investing, and much more - all so listeners can learn more so they may pay less fees on their investments and banking products; earn and save more money for their retirement, and pay less taxes. </p><p>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.</p>]]>
      </content:encoded>
      <pubDate>Wed, 22 Jul 2020 20:58:00 +0000</pubDate>
      <author>Everything Financial Group</author>
      <enclosure url="https://media.transistor.fm/c5aba330/1f9b6f7f.mp3" length="2123871" type="audio/mpeg"/>
      <itunes:author>Everything Financial Group</itunes:author>
      <itunes:image href="https://img.transistor.fm/fMBRAKD8D7dwfMRg74287_9yvwyHjK897W43vZtpz-A/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lcGlz/b2RlLzE1NjEwMzEv/MTY5ODEwNDUzNS1h/cnR3b3JrLmpwZw.jpg"/>
      <itunes:duration>176</itunes:duration>
      <itunes:summary>Each week on The Your Money Podcast host Jon Abbott and Peter Cishecki, President of the Everything Financial Group, are joined by industry expert guests to discuss in-depth everything you need to know about the most important topics in the world of personal finance. Covering a wide-range of often misunderstood finance products including; Mutual Funds, Mortgages; Disability and Critical Illness Insurance; Retirement Planning; TSFAs vs.RSPs; Robo-Investing, and much more - all so listeners can learn more so they may pay less fees on their investments and banking products; earn and save more money for their retirement, and pay less taxes. See omnystudio.com/listener for privacy information.</itunes:summary>
      <itunes:subtitle>Each week on The Your Money Podcast host Jon Abbott and Peter Cishecki, President of the Everything Financial Group, are joined by industry expert guests to discuss in-depth everything you need to know about the most important topics in the world of perso</itunes:subtitle>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
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