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Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
Why Your Life Needs a 'Mafia' Backup Plan
In Episode 91, Winnie Lau is joined by Chartered Professional Accountant Nigel Kennett to break down three commonly misunderstood tools in Canadian business planning: holding companies, the Capital Dividend Account (CDA), and corporate-owned life insurance. This episode is a plain-language conversation for business owners, farmers, and ranchers who want to understand when these tools actually make sense, how they work together, and why involving the right professionals early can prevent costly mistakes later. If you’re thinking about asset protection, tax efficiency, or long-term succession planning, this episode will help you ask better questions before making big decisions. Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@RanchYourWay Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
Holding Companies, Capital Dividend Accounts & Life Insurance: What Canadians Need to Know | Ep. 91
Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
Entrepreneurial Spirit: Seeing Endless Opportunities
Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
An Ounce of Prevention is Worth a Pound of a Cure
Once business owners start thinking long-term — beyond income and toward legacy — structure matters. In this episode, Winnie is joined by CPA Nigel Kennett to explore how: Holding companies help separate risk from opportunity Trusts can protect family wealth across generations Corporate-owned life insurance fits into broader planning (and when it doesn’t) The Lifetime Capital Gains Exemption connects directly to clean corporate structure Poor administration can undo otherwise good planning Accountants and advisors must work together — not in silos The conversation also addresses a common challenge: what to do when your accountant isn’t familiar with dividend-paying whole life insurance or policy loans — and how to bridge that gap using education and collaboration (including resources like Becoming Your Own Banker). This episode is for business owners who are ready to move from earning money to protecting and positioning it wise Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@RanchYourWay Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
How Holding Companies, Trusts & Insurance Work Together in Long-Term Planning | Ep. 90
Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
Building a Family Legacy with $300,000
Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
From Fields to Finance: Revolutionize Your Farm's Future Today
In this episode of the Ranch Your Way Show, Winnie and Lacy slow things down and do something simple—but powerful. They read and unpack the summary of Farming Without the Bank. Why? Because most farm families don’t need another sales pitch. They need clarity. This conversation is for: The spouse who’s “not sure yet” The operator who knows something feels off—but can’t quite name it The family paying tens (or hundreds) of thousands in interest and wondering if there’s another way You’ll hear real examples of: Keeping control of your money instead of qualifying for it Why “saving for the future” doesn’t have to mean locking money away How whole life insurance fits into farm cash flow (without the fluff) Why legacy planning isn’t optional—whether you have kids, nephews, nieces, or no heirs at all They also explain why this concept takes time to grasp—and why rereading the book (and using the case studies) matters. If you’re new here, this episode is a strong place to start. If you already own the book, this is your nudge to pick it back up. 👉 Grab the book (or the audio bundle) at ranchyourway.com 👉 Then come talk to us—after you’ve read it. Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@RanchYourWay Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
Why Farms Keep Paying the Bank—and How to Stop | Ep. 89
Follow Ranch Your Way Instagram: http://instagram.com/ranch_your_way YouTube: http://youtube.com/@ranchyourway Facebook: https://www.facebook.com/RanchYourWay ► Learn more: https://www.ranchyourway.com ► Get the books: https://www.ranchyourway.com
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