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Plain English Finance

Plain English Finance

By: Tré Bynoe CFP® CIM®
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About this listen

The Plain English Finance podcast is hosted by Tré Bynoe CFP® CIM®, a financial planner with TCU Wealth Management and Aviso Wealth.


While Tré specializes in working with families with more complicated finances, typically involving corporations and trusts, this podcast is for anyone wanting to learn how to make high-quality decisions based on evidence, to give themselves the highest likelihood of financial success.


You should always consult with your financial, legal, and tax advisors before making changes.

This podcast is provided as a general source of information and should not be considered personal investment advice or solicitation to buy or sell any securities.

The views expressed are those of the individual and are not necessarily those of Aviso Financial Inc.

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.


© 2025 Plain English Finance
Economics Personal Finance
Episodes
  • Ep. 16 | Why Most Canadians Miss Out on Free Money Through RDSPs
    Sep 12 2025

    https://www.rdsp.com/calculator/ - Link

    Most Canadians eligible for the RDSP have never opened one. That’s a costly mistake.

    In this episode, Tré breaks down why the Registered Disability Savings Plan is one of the most powerful but underused tools available to Canadians with disabilities. If you or someone you care about qualifies for the Disability Tax Credit, this account could be life-changing.

    Even with zero personal contributions, low-income Canadians can receive up to $20,000 from the government — and that’s just the start.

    You’ll learn:

    • Who qualifies for an RDSP (and why it's simpler than you think)
    • How to get up to $90,000 in government grants and bonds
    • Why investing early can turn $20K into over $390K — or even $2.6 million
    • The key age cutoffs you need to know
    • How to open an RDSP (and where most people get stuck)

    Know someone who qualifies? Share this episode. It could fund their entire retirement.

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    27 mins
  • Ep. 15 | How Tré Invests — And What Most Investors Get Wrong
    Sep 5 2025

    Most Canadians think investing is about picking the right stock, timing the markets, or chasing returns. It’s not. In this episode, Tré breaks down exactly how he manages his own investment portfolio, and why simplicity, tax-efficiency, and a clear philosophy matter far more than hot tips or flashy products.

    If you're a DIY investor, a skeptical professional, or someone overwhelmed by jargon, this episode will ground you in what actually works.

    You’ll learn:

    • Why Tré uses low-cost, globally diversified index funds
    • The real difference between “market risk” and unnecessary risk
    • Why most people don’t understand what they’re investing in
    • The hidden danger of “tax-optimized” investments like swap-based ETFs
    • Why investing doesn’t need to be complicated to be effective

    Share this episode with someone who’s still chasing stock picks or paying too much in fees — and follow or review the show to support smarter financial decisions.

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    1 hr and 1 min
  • Episode 14 | Budgeting on $400K+: Why High Income Doesn’t Equal Wealth
    Aug 30 2025

    Send us a text

    Earning over $400,000 a year puts you in a privileged position, but it also comes with bigger decisions, bigger risks, and bigger tax bills. In this episode, Tré breaks down how high earners can avoid the most common financial pitfalls and finally shift from focusing on income to building lasting wealth.

    This episode is for professionals, business owners, and executives who are in—or approaching—high-income territory and want to avoid lifestyle creep, inefficient tax planning, and financial regret.

    You’ll learn:

    • Why high income doesn’t guarantee high net worth
    • The budgeting mindset that scales with income
    • How to use income surpluses without wasting them
    • Why taxes—not spending—become your biggest threat
    • The importance of risk management and having a team
    • How over-gifting and poor oversight can quietly erode wealth

    Follow, share, or leave a review if this episode helped you.

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    41 mins
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