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Quick question: if you passed away tomorrow, do you know exactly how much your family would owe the CRA? If that question made you uncomfortable — good. It should.

Anna Knight, CFP and founder of Simplicity Financial, joins Leo for one of the most eye-opening conversations on the show. Anna specializes in helping families protect their wealth across generations — and she does not hold back.

In this episode: why updating your will is not the same as having an estate plan, how capital gains tax silently grows on your real estate every single year, and the four strategies that actually protect your portfolio — joint ownership, corporations, trusts, and life insurance. Plus: why life insurance is the most underrated estate planning tool most investors ignore, and how family conflict — not taxes — destroys most estates in the end.

Essential listening if you own rental properties, have a growing investment portfolio, or simply want to make sure your hard-earned wealth goes to your family — not the government.

Most Canadians are sitting on a hidden treasure chest—home equity they can actually use—but nobody's telling them how to access it without drowning in debt. Enter Carl Anthony from Home Equity Partners, who blows the lid off the often-overlooked world of Home Equity Sharing Agreements (HESAs)—a game-changing financial tool that's been billion-dollar big in the U.S since 2005, now making waves in Canada.

In this episode, Carl reveals why HESAs could be the perfect lifeline for homeowners who want cash without monthly payments or interest piling up. Think: funding vacation homes, paying off risky debts, helping adult kids buy their first house, or even snagging that fancy sports car—without the headache of traditional borrowing. We break down exactly how it works, from the ideal candidate (hint: house-rich, cash-tight folks) to why this isn't a short-term fix, but a long bet on real estate appreciation.

You'll discover: how HESAs avoid stress tests and renewal fees that drain traditional mortgages, why they're a better choice than reverse mortgages in many scenarios, and what happens if the property market takes a nosedive. Carl walks us through real-world examples, from a million-dollar home with a $300K first mortgage to how a 4x appreciation multiplier can turn a modest equity stash into a substantial cash boost.

This episode is essential listening for homeowners stuck in the cash flow crunch, entrepreneurs, real estate investors, or anyone who wants to unlock their home's hidden wealth without losing control. Don't miss out on this insider secret that could transform your financial future—because if you're sitting on up to 75% loan-to-value, you're just one smart move away from making that equity work for you.

Courtesy of Carl's expertise, you'll learn how to navigate a new, conservative landscape while avoiding costly renewal fees and the pitfalls of traditional borrowing. Ready to turn your house into a financial partner? Hit play—and start reimagining what your home can do for your wallet!