PODCAST · business
The Tortoise and the Hare Financial
by Jim Lao
TvH Group is a multidisciplinary firm comprised of four practice professionals who offer a combination of more than 50 years’ experience in helping individuals and businesses to realize their financial, legal, accounting, and mortgage objectives.As the name of our firm (Tortoise Versus Hare) suggests, we take a pragmatic approach to helping our clients first define their goals, then provide carefully considered solutions as part of a trusting and collaborative working experience.
Episodes
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#118 | Renting vs. Buying: The Winner Isn’t Who You Think
In this episode of the Money Mindset Mastery Podcast, the hosts engage in a lively discussion about the pros and cons of renting versus buying a home, particularly in the context of the Toronto real estate market. They explore individual circumstances, financial implications, and the behavioral...
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#117 | The Ultimate Canadian Decumulation Plan: Turn a Nest Egg Into Reliable, Tax-Efficient Income
The podcast episode discusses the importance of retirement tax planning, the shift from accumulation to distribution, the risks of market volatility in retirement, tax implications of RIF conversion, the impact of GICs on RIFs, strategies for RIF conversion and tax planning, the role of...
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#116 | Train Like an Athlete, Think Like an Investor
The episode explores the intersection of high performance principles in sports, business, and finance, with a focus on coaching and mindset mastery. The conversation delves into the journey of an ex-professional athlete turned performance coach and the importance of talent, hard work, and…
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#115 | The Boring Businesses Quietly Paying Investors - Newlook Industrial & Infrastructure Fund
The conversation delves into New Look and the Infrastructure Services Fund, Kyle's background, the founders and management team, alignment and profit sharing, essential services and business size, recession-resilient businesses, investment criteria, code-mandated regulatory stability, the impact…
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#114 | The Family Money Conversation Nobody Has — Until Someone Dies
The conversation delves into the importance of family money conversations and estate planning, highlighting the lack of preparation and understanding among individuals. It explores the challenges, complexities, and potential pitfalls associated with inheritance, estate planning, and the role of...
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#113 | Pavillion - From Tax Pain to Capital Gain: How Flow‑Through Investing Works
The episode explores tax strategies, flow-through funds, and their tax advantages. Dan Pembleton shares his expertise and insights on the history, investment portfolio, accessibility, and limitations of flow-through funds. Real-life examples of personal and corporate scenarios are discussed,...
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#112 | Smiles, Cash Flows, and Consolidation: The Case for Dental Investing
The conversation with Kyle from New Look Dental covers the company's background, investment thesis, and operational strategies. It delves into the dental industry's unique characteristics, the concept of dental roll-ups, and the impact of the Canadian Dental Care Plan (CDCP). The discussion also...
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#111 | Why So Many Canadians Feel Broke—Even With a Good Income (And How to Regain Control in 2026)
Most Canadians with good incomes are feeling broke—and the root causes might surprise you. Despite earning over $100,000 a year, many are struggling financially because of habits, complacency, and unpredictable expenses. In this eye-opening episode of the Money Mindset Mastery Podcast, Jim, Ryan,...
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#110 | To Fix or Not to Fix? Rates, Gas Prices, and Your Mortgage in a Shaky Economy
The conversation covers a range of topics related to the financial landscape, including mortgage rates, inflation, and the impact of geopolitical events on the economy. The speakers provide insights into the current state of the market and offer perspectives on potential future developments. The...
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#109 | Iran War Shock: Can Private & Alternative Investments Deliver Stability When Markets Panic?
Summary The episode discusses the impact of the war in Iran on investments, focusing on private and alternative investments as a means of stability during market volatility. It also explores the differences between public and private markets, the role of diversification, and the potential…
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#108 | When Finance Feels Like a Game: How Gamification Can Push Canadians Into the Wrong Products
Unlock the hidden tricks financial apps and institutions use to manipulate your choices — and discover how to protect your hard-earned money from their psychological games. If you’re tired of feeling duped, this episode reveals the covert tactics that push Canadians into risky products and debt...
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#107 | Volatility and market noise: Why a specialist team beats a solo Advisor
SummaryThe webinar begins with an introduction and a brief history of the Money Mindset Mastery podcast. The conversation then delves into the challenges of navigating market volatility and the importance of working with a team of professionals. The backgrounds and expertise of Denis B, Eric...
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#106 | Top 5 Financial Myths We Busted in 2025
In this episode of the Money Mindset Mastery podcast, hosts Jim Lao, Ryan Genoe, and guest Eric Petersen dive into the world of financial myths and truths. They debunk common misconceptions about debt, investing, and market risks, sharing insights and personal stories. Discover how financial...
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#105 | Mindset Matters: How Canadians Can Shop Smart This Holiday Season
Summary: This episode of the Money Mindset Mastery podcast, hosted by Jim Lao and featuring guest Ryan Geno, explores how Canadians can shop smart during the holiday season. The discussion covers financial stress, budgeting, and the importance of mindful consumption. The hosts share personal...
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#104 | Navigating Wealth: Portfolio Innovation with Jay Bhutani of Raintree Wealth Management
Summary In this episode of the Money Mindset Mastery podcast, host Jim Lao and co-host Ryan Genoe are joined by Jay Bhutani, President and COO of Raintree Wealth Management. They discuss the exciting changes in Raintree's portfolio solutions, the importance of diversification, and how to manage...
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#103 | Navigating Pension Shortfalls: What You Need to Know
In this episode, we delve into the complexities of pension shortfalls, exploring the risks and solutions available to secure your financial future. Our hosts, Jim and Ryan, along with guest Denis Bisson, discuss the importance of understanding pension plans, the potential pitfalls, and the…
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#102 | Unlocking Generational Wealth: The Children's Life Insurance Strategy
In this episode of the Money Mindset Mastery podcast, hosts Jim Lao and Ryan Genoe delve into the powerful strategy of using children's life insurance to build generational wealth. Discover how grandparents can leverage life insurance policies to secure their grandchildren's financial future,...
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#101 | Tax Planning Secrets: Keep More of What You Earn
In this episode of the Money Mindset Mastery podcast, hosts Ryan Genoe and Jim Lao dive into the critical topic of tax planning and legacy protection. Broadcasting from TVH Group's new head office, they explore strategies to avoid hefty tax bills and ensure your hard-earned savings benefit future...
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#100 | The Hidden Costs of Travel Insurance
In this episode of the Money Mindset Mastery podcast, hostsJim Lao and Ryan Genoe discuss the complexities of travel insurance, particularly focusing on the implications of pre-existing conditions and the importance of understanding insurance policies. They share real-life stories that highlight...
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#99 | Jim's Personal Story - The Crucial Role of Powers of Attorney
In this episode, Jim Lao shares a personal story that underscores the critical importance of estate planning and powers of attorney. When unexpected health issues arose in his family, the lack of proper legal documents led to significant challenges. Jim discusses the steps they took to address...
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#98 | Smart Money Moves for Fall 2025
In this episode of the Money Mindset Mastery podcast, Jim and Ryan discuss smart financial moves for the fall of 2025, focusing on the current economic landscape, interest rates, and strategies for budgeting and saving. They emphasize the importance of auditing summer spending, rebuilding…
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Preserving Family Harmony Through Thoughtful Estate Planning: Jack and Lorraine’s Journey
Estate planning isn’t just about managing wealth—it’s about preserving family harmony and ensuring your legacy lives on. In this episode, we share Jack and Lorraine’s journey and how working with TvH Financial helped them create a personalized plan that protects their assets and strengthens…
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The Hidden Cost of Probate
In this episode, we unravel the complexities of estate planning, revealing why your will might not be the final say in your legacy. Discover the hidden challenges of probate, the pitfalls of joint ownership, and the power of beneficiary designations. We also introduce the advantages of segregated...
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Is it time to go Fixed. Hint: Maybe not quite yet.
In this episode of "The Explainer," we unravel the complexities of the next 50 days that are crucial for Canada's economy. As the Bank of Canada faces mixed signals from GDP growth and inflation rates, we explore what this means for interest rates and your financial decisions. Whether you're a...
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Is Cash Damning Your Next Wealth Engine?
In this episode of the Money Mindset Mastery podcast, hosts Jim Lao and Ryan Genoe delve into the intriguing world of the cash damming strategy. Is it just a clever tax play or a potential wealth-building superpower? Join us as we explore the mechanics, benefits, and drawbacks of this complex...
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The Truth Behind Banking Practices
In this episode of the Money Mindset Mastery podcast, hostsJim Lao and Ryan Genoe, along with guest Eric, delve into the red flags in the financial world, particularly focusing on the banking sector. They discuss the findings of a survey conducted by the Ontario Securities Commission regardingthe...
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From Farm Roots to Financial Future
In this episode of the Money Mindset Mastery podcast, host Jim Lao and co-host Ryan Genoe welcome Eric Peterson, a new private wealth advisor at TVH Financial. The conversation explores Eric's journey from his farm roots in Alberta to his career in finance, emphasizing the importance of hard work...
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Navigating Tariffs and Financial Advice
In this episode, Jim and Ryan discuss the current state of tariffs, market uncertainty, and the increasing need for professional financial advice among Canadians. They explore the psychological effects of market volatility, the importance of seeking guidance from financial advisors, and the…
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Navigating Retirement Tax Traps
In this episode of the Money Mindset Mastery Podcast, hosts Jim Lao and Ryan Genoe delve into the complexities of retirement tax traps. They discuss common myths surrounding taxes in retirement, the importance of understanding tax withholding, and various strategies to minimize tax burdens. The...
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Unlocking Wealth with Your Mortgage
In this episode of the Money Mindset Mastery Podcast, hosts Jim Lao and Ryan Genoe delve into the tax deductible mortgage strategy, also known as the Smith maneuver. They discuss its mechanics, benefits, and risks, emphasizing the importance of understanding cash flow and the suitability of this...
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Emotional Spending: A Wealth Killer
In this episode of the Money Mindset Mastery Podcast, hosts Jim Lao and Ryan Genoe discuss eight money habits that hinder wealth growth. They explore topics such as lifestyle creep, emotional spending, the importance of cash flow awareness, and the power of early investing. The conversation...
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The True Cost of Being Mortgage Free
In this episode of the Money Mindset Mastery podcast, hostsJim Lao and Ryan Genoe explore the complex decision of whether to pay off a mortgage or invest the funds instead. They discuss the psychological burden of debt, the importance of understanding opportunity costs, and the potential…
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Secrets of the Wealthy: How They Keep Getting Richer
In this episode of the Money Mindset Mastery Podcast, hosts Jim Lao and Ryan Genoe explore the wealth strategies employed by high net worth investors. They discuss the importance of diversification, real estate investments, liquidity, and the necessity of having a financial plan. The conversation...
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Unlocking the Secrets of Segregated Funds
In this episode of the Money Mindset Mastery Podcast, hosts Jim Lao and Ryan Genoe delve into the topic of segregated funds, exploring their benefits, features, and the scenarios in which they may be appropriate for investors. They discuss the differences between segregated funds and mutual…
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Tax Fairness for Single Seniors: A Call to Action
This podcast discusses the pressing issueof tax fairness for single seniors in Canada, highlighting the disparities theyface compared to couples. The conversation features advocates from the SingleSeniors for Tax Fairness group, who explain their mission, the inequalities inthe tax system, and…
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Mastering Money Talks: A Guide for Couples
In this episode of the Money Mindset Mastery podcast, hosts Jim Lao and Ryan Genoe delve into the complexities of discussing finances within relationships. They explore the common challenges couples face when addressing money matters, emphasizing the importance of open communication…
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Trump, Tariffs and Retirement
In this episode of the Money Mindset Mastery podcast, Jim Lao, Ryan Genoe, and Denis Bisson discuss the implications of tariffs on the market, particularly in relation to investments and retirement planning. They explore market performance, investor sentiment, and the importance of…
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Planning for a Purpose-Driven Retirement
In this episode of the Money Mindset Mastery podcast, hosts Jim Lao and Ryan Genoe, along with portfolio manager Denis Bisson, discuss the evolving concept of retirement. They explore the importance of longevity, social connections, and planning for a purpose-driven retirement. The conversation...
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Emotional Investing: Staying Calm in Turbulent Times
In this episode of the Money Mindset Mastery podcast, Jim Lao, Ryan Genoe, and Denis Bisson discuss the current state of market volatility and its implications for investors. They explore strategies for navigating investment volatility, the importance of diversification, and understanding risk...
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Protect Your Finances: Top Fraud Prevention Tips
In this episode of the Money Mindset Mastery podcast, hosts Jim Lao and Ryan Genoe delve into the critical topic of financial fraud, discussing various types of fraud, including imposter scams and phishing scams. They emphasize the importance of awareness and education in preventing financial…
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The Hidden Psychology Behind Your Money Choices: Insights from Experts
In this episode of the Money Mindset Mastery podcast, host Jim and co-host Ryan welcome financial planner and journalist Hannah Horvath. They discuss the psychology behind money decisions, focusing on the concept of money scripts—unconscious beliefs formed in childhood that influence financial...
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Term vs Permanent Insurance: What You Need to Know
In this episode of the Money Mindset Mastery podcast, hosts Jim and Ryan delve into the intricacies of term and permanent insurance, discussing their differences, costs, and the importance of conducting a needs analysis. They emphasize that insurance solutions should be tailored to individual…
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Understanding the Risks of Mortgage Life Insurance
In this episode of the Money Mindset Mastery podcast, hosts Jim Lao and Ryan Genoe delve into the critical differences between mortgage life insurance and individual insurance plans. They discuss the implications of choosing one over the other, emphasizing the importance of understanding the...
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The Mental Health Challenge of Retirement
In this episode of the Money Mindset Mastery podcast, hosts Jim and Ryan discuss the often-overlooked mental health aspects of retirement. They explore the importance of finding purpose, combating loneliness, and rediscovering hobbies to maintain a fulfilling life post-retirement. The…
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Identifying True Financial Professionals: What to Look For
In this episode of the Money Mindset and Mastery Podcast, hosts Jim Lao and Ryan Genoe discuss the critical differences between financial guardians and salespeople in the financial industry. They explore the importance of understanding the financial landscape, the roles of various financial...
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Navigating Financial Concerns for 2025
In this episode of the Money Mindset Mastery podcast, hosts Jim and Ryan, along with guest Denis, discuss the financial concerns Canadians face as they approach 2025. The conversation covers various topics including managing debt, understanding inflation, navigating high interest rates, the...
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Navigating the Hidden Costs of Retirement
In this episode of the Money Mindset Mastery podcast, hosts Jim Lao and Ryan Genoe discuss the hidden costs of retirement for Canadians. They explore various unexpected expenses that retirees may face, including healthcare costs, long-term care, inflation, taxes, home repairs, travel expenses,...
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Navigating Health Challenges: A Personal Story
In this episode of the Money Mindset Mastery podcast, hosts Jim Lao and Ryan Genoe delve into the significance of critical illness insurance through Jim's personal experience with a severe heart condition. They discuss the emotional and financial implications of critical illness, the importance…
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Achieving Financial Goals: A Comprehensive Guide
Welcome to another episode of the Money Mindset Mastery podcast! Today, we're diving deep into the world of financial goal setting. Imagine starting the new year with a rock-solid financial plan, sustainable habits, and the confidence to stay the course, no matter what the markets throw your way....
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Building Resilience in Children: Insights from a Life Coach
In this episode of the Money Mindset Mastery Podcast, hosts Jim Lao and Ryan Genoe engage with children's life coach Patty Gornick to explore the vital role of life coaching for children. They discuss how coaching can empower young minds, helping them navigate modern challenges, build resilience,...
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ABOUT THIS SHOW
TvH Group is a multidisciplinary firm comprised of four practice professionals who offer a combination of more than 50 years’ experience in helping individuals and businesses to realize their financial, legal, accounting, and mortgage objectives.As the name of our firm (Tortoise Versus Hare) suggests, we take a pragmatic approach to helping our clients first define their goals, then provide carefully considered solutions as part of a trusting and collaborative working experience.
HOSTED BY
Jim Lao
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Frequently Asked Questions
How many episodes does The Tortoise and the Hare Financial have?
The Tortoise and the Hare Financial currently has 50 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is The Tortoise and the Hare Financial about?
TvH Group is a multidisciplinary firm comprised of four practice professionals who offer a combination of more than 50 years’ experience in helping individuals and businesses to realize their financial, legal, accounting, and mortgage objectives.As the name of our firm (Tortoise Versus Hare)...
How often does The Tortoise and the Hare Financial release new episodes?
The Tortoise and the Hare Financial has 50 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to The Tortoise and the Hare Financial?
You can listen to The Tortoise and the Hare Financial on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts The Tortoise and the Hare Financial?
The Tortoise and the Hare Financial is created and hosted by Jim Lao.
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