Plain English Finance
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.
Episodes
71 episodes
Risk Tolerance vs Risk Capacity: What’s the Difference? | Ep. 70
How much investment risk can you really handle?In this episode of the Plain English Finance Podcast, Tré and Sierra go through a risk tolerance questionnaire together and use it as a way to talk about the psychology behind investing, ho...
Why You Might Not Be The Right Client For Me | Ep. 69
How do you know if a financial planner is actually the right fit for you?In this episode of the Plain English Finance Podcast, Tré and Sierra talk through what it is like to work with Tré, who he does his best work with, who may not be ...
The Truth About Cash Hoarding: It’s Costing You More Than You Think | Ep. 68
Cash feels safe, but too much cash can become a problem.In this episode of the Plain English Finance Podcast, Tré and Sierra discuss why successful savers often end up hoarding cash in savings accounts or short-term GICs instead o...
Are You Contributing to Your RRSP for the Wrong Reasons? | Ep. 67
Should you contribute to your RRSP just because tax season is coming?In this episode of the Plain English Finance Podcast, Tré and Sierra discuss how to think about RRSP contributions more deliberately, especially if your goal is ...
The Dangerous Reality of Managing Other People’s Money | Ep. 66
If you are making financial decisions for someone else, the bar is higher.In this episode of the Plain English Finance Podcast, Tré and Sierra discuss what it means to manage other people’s money responsibly. This can show up when...
A Good Decision Can Still Have a Bad Outcome | Ep. 65
You cannot judge the quality of a decision based only on the outcome.In this episode of the Plain English Finance Podcast, Tré and Sierra discuss how to make better financial decisions by focusing on the information you had, the r...
Why You Can’t Stop Fighting About Money (And How To Fix It) | Ep. 64
Why do couples keep having the same money arguments?In this episode of the Plain English Finance Podcast, Sierra and Tré talk about the money conversations couples avoid and why many financial arguments are not really about the do...
Do Financial Planners Judge Your Money Decisions? | Ep. 63
What is it actually like to be married to a financial planner?In this episode of the Plain English Finance Podcast, Sierra and Tré talk about the pros, cons, myths, and awkward social dynamics that come with being married to someo...
The Default Retirement Decisions Most People Get Wrong | Ep. 62
What retirement decisions should you make if you don't know where to start?In this episode of the Plain English Finance Podcast, Tré and Sierra discuss a “default decision” framework for retirement planning. The goal is not to pre...
Don’t Hire an Advisor Without Asking This | Ep. 61
Does your financial advisor have a clear investment philosophy?In this episode of the Plain English Finance Podcast, Tré and Sierra discuss why your investment strategy should not be treated as a random collection of products, fun...
BONUS: The Market Won’t Wait Until You Feel Better | Q2 2026 Review
Markets do not wait until investors feel comfortable again.In this Q2 2026 market review, Tré Bynoe, CFP®, CIM®, looks at what happened across Canadian stocks, U.S. stocks, international stocks and bonds from mid-2025 to mid-2026,...
Your Password Isn’t Enough Anymore | Ep. 60
Does it feel like staying safe online is getting harder?In this episode of the Plain English Finance Podcast, Tré and Sierra talk about one simple digital safety step that more people need to understand: using an authenticator app...
3 Warning Signs Your Corporate Wealth Plan Isn’t Working | Ep. 59
How do you know if the way you are managing wealth inside your corporation is actually working?In this episode of the Plain English Finance Podcast, Tré and Sierra discuss three warning signs that a corporation owner may not have ...
Should You Use Your TFSA to Buy a House? | Ep. 58
Should you use your TFSA to buy a home, or leave it invested and use a different strategy?In this episode of the Plain English Finance Podcast, Tré and Sierra work through a real planning puzzle: someone wants to buy a home, has m...
Why Investing Gets Complicated for Corporation Owners | Ep.57
Investing gets more complicated once you move beyond RRSPs, TFSAs and simple registered accounts. For Canadian corporation owners, incorporated professionals, and investors with taxable accounts, the type of income your investments generate can...
Send This to Someone Who Needs to Start Investing | Ep. 56
Do you know someone who keeps saying they’ll start investing “later”?This episode is for the person who knows investing is important but feels overwhelmed by where to begin. Tré and Sierra talk through the simplest possible starting poin...
RRSPs Aren’t a Scam, But This Mistake Is Costly | Ep. 55
RRSPs are not a scam, but using one without a withdrawal plan can create an avoidable tax problem.In this episode, we explain when RRSP contributions help, when they don't, and why retirement withdrawals need to be planned years in advance....
Are You Paying Too Much to Invest? | Ep. 53
Paying more for investing does not automatically mean you are getting better advice, better products, or better returns. In this episode, Tre breaks down what Canadians should understand about investment fees, advice fees, product costs,...
Conversations on Money, Values, and Parenthood | Ep. 52
What changes when a financial planner becomes a parent? More than you think—and less than you might expect. In this episode, Tre shares the practical money moves he made after having a child, from updating the family will to reviewing life insu...
Too Good to Be True? Investment Red Flags Explained | Ep. 51
Have you ever looked at an investment and wondered if it was too good to be true? In this episode, we walk through the red flags that can show up in private investments, real estate deals, mortgage funds, and other “exclusive” opportun...
Why Smart People Make Bad Money Decisions | Ep. 50
Your calm self is not always a good judge of what your stressed self will do.In this episode, we talk about why smart people still make poor financial decisions under pressure.What I cover:Why good intentions do ...
Popular Money Advice vs What the Research Says | Ep. 49
Most money advice is popular because it’s easy to follow — not because it’s right. In this episode, I break down what academic research says about personal finance versus what popular financial books and gurus recommend.What ...
What Q1 2026 Taught Investors About Volatility and Speculation | Ep. 48
Q1 2026 was volatile, but the headlines weren’t the real story. Here’s what actually happened in the markets, and what long-term investors should take from it.What I cover What happened in Canadian, U.S.,...
Why Smart Financial Decisions Start With a Default Option | Ep. 47
Most bad financial decisions do not come from a lack of information. They come from inaction.In this episode, Tré Bynoe explains why “it depends” is technically true but often useless when people need to act. He lays out a better ...
How to Find the Right Financial Planner in Canada | Ep. 46
Choosing a financial planner shouldn’t feel like throwing darts at a board and hoping for a bullseye. In this episode, Tré breaks down how to find an advisor who actually fits your needs, not just someone with a title and a sales target. He exp...