Mark Walhout, CFP®

Episode #55 is out now! Our guest this episode is @MarkMcGrathCFP — one of Canada's top voices on evidence-based personal finance and a returning guest from episode #12. Mark recently came out of semi-retirement to launch his own advice-only practice called Phynance which focuses on helping physicians with financial planning. He is also co-author of "Wealthier: The Investing Field Guide for Canadian Millennials." In this episode, Dave and Mark dive into all-in-one ETFs and why simplicity often beats last-mile portfolio optimization for the typical Canadian. They also discuss the renting vs. buying debate as Mark’s family has recently decided to sell their house and become renters. The conversation also explores the limits of the 4% rule, how safe withdrawal rates differ across countries, and whether retirees are more comfortable holding stocks today than they used to be. Along the way, Mark talks about calling out charlatans on Twitter and shares which personal finance opinions he has changed his mind on over the years. Whether you're a DIY investor, a homeowner weighing your options, or anyone trying to cut through the noise of online personal finance commentary, this episode is packed with practical, evidence-based perspective from one of Canada's most trusted financial voices. Tune in now on our website, YouTube, Apple Podcasts, Spotify and all other podcasting platforms.