WinEH! Podcast

About WinEH! Podcast

The WinEH! Podcast is all about WINNING in Canada EH. Specifically in the world of how we work with Money, think about Money and how we can use it to ELEVATE our life experience. The Financial Philosophy that we live by is based in the use of the Infinite Banking Concept. We believe that every Canadian deserves to know there is a better way to go about the way we think and manage our money. This podcast has 3 DISTINCT SHOWS. We are sharing ONE show at a time. Each show aims to heal the financial divide created by life experience, history, government and the banks. Alright, come lean in and check out our first show, Ranch Your Way.

Publisher

Winnie Lau

Category

business · business

Language

en

Explicit

No

First episode

20 Jun 2024

Latest episode

29 Oct 2026

Latest episodes

129 episodes in the feed.

1. 

   29 Oct 2026

   Ep. 128 - Trusts for Canadian Farm Families: Why, When, & for Whom?

   A trust isn't the goal. The question is what you'd need one to accomplish. Part 5 of 6 of Keeping the Farm or Ranch Together. A trust is an arrangement, not a separate legal person. A settlor (or, in a will, a testator) creates it, trustees manage the assets, and beneficiaries receive the income or the capital. Former tax lawyer Bryan McNulty explains that newer rules have limited income splitting through trusts, but trusts still offer real value in two areas. The first is the estate freeze. Parents lock in the current value of their company shares, and a family trust holds the future growth. That can cap the parents' tax at death, keep options open about which child eventually takes over, and, if the shares qualify, potentially let several family members each use their lifetime capital gains exemption. The second is control. A trust can hold life insurance on a child or grandchild so the policy can't be cashed in by that person or a future spouse, and life insurance isn't subject to the trust's 21-year deemed disposition rule. Bryan is equally clear about the costs: setup and legal fees, annual trust tax returns, trustee resolutions, a separate bank account, and the need for a trust lawyer and a tax specialist rather than a generalist. For most operations just starting out, a trust comes later, once the business has grown significantly in value. QUESTIONS THIS EPISODE ANSWERS What is a trust in Canada, and what do the settlor, trustees and beneficiaries do? How does a family trust work with an estate freeze? What is the 21-year rule for trusts? Can a trust own life insurance on my children or grandchildren? Does a trust protect assets in a divorce? What does it cost to set up and run a trust? WHO IT'S FOR Families with a growing incorporated farm or ranch, and parents or grandparents who own life insurance on the next generation and want it protected. HOSTS AND GUEST Winnie Lau and Lacy Rowan, Ranch Your Way. Life insurance advisors who help farm and ranch families plan with The Infinite Banking Concept®. Bryan McNulty, former tax lawyer with more than 25 years in tax and estate planning, including drafting wills and trusts. A NOTE ON TIMING Recorded December 4, 2024. Trust tax and reporting rules can change; confirm current requirements with a qualified professional. NEXT IN THE SERIES Part 6: Keeping the farm or ranch together. This episode is for education only and is not tax, legal or financial advice. Get Farming Without The Bank — the Canadian version, includes audio. Start at ranchyourway.com Watch the full series: youtube.com/@WinEHpodcast

2. 

   22 Oct 2026

   Ep. 127 - Canada Has No Estate Tax, So Why Can Death Benefit Trigger a Huge Tax Bill?

   Canada doesn't have an estate tax, but death can still trigger one of the biggest tax bills your family will ever face. Part 4 of 6 of Keeping the Farm or Ranch Together. Canada replaced its estate tax with a capital gains system in the early 1970s. Today, when someone dies, their assets are generally treated as if they were sold at fair market value, a rule called deemed disposition, and registered plans like RRSPs are included in income in the year of death. Assets left to a spouse or a spousal trust can roll over tax-deferred, and qualifying farm and fishing property can pass to a child, but the tax often just waits for the second death. For an owner who built the business from scratch and has little cost base, the bill can be large. Former tax lawyer Bryan McNulty walks Winnie Lau and Lacy Rowan through probate (called estate administration tax in Ontario), why settling an estate can take years, and the four ways to pay the tax: save for it, borrow it, sell something, or fund it with life insurance. He explains why exempt life insurance policies receive favourable tax treatment, why saving toward age 85 falls short if someone dies early, and how corporately owned life insurance can flow out largely tax-free through the Capital Dividend Account (CDA). Plus one firm warning: never have a corporation own a policy while an individual is the beneficiary. QUESTIONS THIS EPISODE ANSWERS Does Canada have an estate tax? What is deemed disposition at death? How are RRSPs taxed when someone dies? What is probate, and how much does it cost? How can an estate pay capital gains tax without selling the farm? How does the Capital Dividend Account work with corporate life insurance? WHO IT'S FOR Canadian farm and ranch families whose wealth is tied up in land, quota, livestock, equipment or an operating company, and anyone who wants to know what their estate could owe. HOSTS AND GUEST Winnie Lau and Lacy Rowan, Ranch Your Way. Life insurance advisors who help farm and ranch families plan with The Infinite Banking Concept®. Bryan McNulty, former tax lawyer with more than 25 years in tax and estate planning for business owners and families. A NOTE ON TIMING Recorded December 4, 2024. Tax rates mentioned reflect proposed capital gains changes that did not proceed. Don't use this episode to calculate today's tax. Use it to answer a more lasting question: if your estate owes money, where will that money come from? NEXT IN THE SERIES Part 5: Trusts — why, when and for whom? **This episode is for education only and is not tax, legal or financial advice. Get Farming Without The Bank — the Canadian version, includes audio. Start at ranchyourway.com (http://ranchyourway.com/) Watch the full series: youtube.com/@WinEHpodcast

3. 

   15 Oct 2026

   Ep. 126 - Equal vs Fair: Dividing the Farm When Not Every Child Wants to Farm

   Before trusts, estate freezes or life insurance, there's one question: what do you actually want to happen? Part 3 of 6 of Keeping the Farm or Ranch Together. According to former tax lawyer Bryan McNulty, the first thing to know before estate planning is where you want your assets to go. The second is that tax is payable at death, or at the surviving spouse's death, and it can derail a plan if there's no way to fund it. Bryan explains that farm property and qualifying farm corporation shares can often pass to a child tax-deferred, even when the land is held outside the corporation, but the use requirements are specific. Significant non-farm revenue, such as income from wind turbines on the land, could affect eligibility. Then the human side. When one child farms and another doesn't, is equal fair? Bryan argues that in most cases it isn't, and that finding the balance means knowing what other assets are available. We talk about parents who avoid deciding at all, spouses who aren't on the same page, and family facilitators who can help. We also cover how to use professionals well: take stock and decide what you want before paying hourly fees, watch for the hammer-and-nail problem where every professional leans toward their own tools, and find a new accountant, lawyer or advisor if you've outgrown the ones you have. QUESTIONS THIS EPISODE ANSWERS What should I know before I start estate planning? Is it fair to divide the farm equally among all my children? How do I provide for children who don't want to farm? Can farmland held outside my corporation still pass to my child tax-deferred? What should I do before meeting my accountant or lawyer? How do I find a new accountant or lawyer for farm succession planning? WHO IT'S FOR Parents planning a farm or ranch transition, farming and non-farming children, and families who have been avoiding the conversation because it feels uncomfortable. HOSTS AND GUEST Winnie Lau and Lacy Rowan, Ranch Your Way. Life insurance advisors who help farm and ranch families plan with The Infinite Banking Concept®. Bryan McNulty, former tax lawyer with more than 25 years in tax and estate planning for business owners and families. A NOTE ON TIMING Recorded December 4, 2024. The proposed capital gains inclusion rate increase mentioned in this episode did not proceed. NEXT IN THE SERIES Part 4: Paying the tax without selling the farm. This episode is for education only and is not tax, legal or financial advice. *This episode is for education only and is not tax, legal or financial advice. Grab Your Copy of Farming Without The Bank — the Canadian version, includes audio. Start at ranchyourway.com (http://ranchyourway.com/) Watch the full series: youtube.com/@WinEHpodcast Questions, comments, feedback: wecare@ranchyourway.com

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

YouTube views

51,292

Score snapshot 15 Sept 2025

Spotify

5.0 / 5

2 ratings

Podcast Authority Score: 52 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

76

Social presence

0

YouTube

72

Engagement

0

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