In this episode of The Clear Money Mindset, Ben Davies cuts through the noise of market hype, prediction videos, and investment fads to bring you timeless financial principles that have stood the test of time.

You'll learn:

• Why starting to save early (even small amounts) is a game-changer

• How diversification protects not just your money, but your peace of mind

• The dangers of overanalyzing short-term market movements

• What ancient wisdom from Solomon can teach us about smart investing today

This episode isn’t about chasing the next big thing—it’s about building a stable, long-term plan that actually works.

In this episode, Ben Davies is joined by Alyssa Ismail from Century 21, Sebastian Schmoranz of MSSH Lawyers, and Rob & Sandra Zanet of Indi Mortgages. They dive into the current real estate market in the Windsor/Essex area, discussing house prices, bidding wars, mortgage rates, and more. Whether you're buying or selling a home, tune in for valuable tips and expert insights to navigate this dynamic market.

Ashley Harmon, an estate and power of attorney lawyer at Hogarth Hermiston Severs LLP, continues her insightful discussion with Ben. Ashley's experience navigating the complexities of trusts and estate planning brings a wealth of knowledge—covering both the successes and pitfalls she’s encountered in her practice.

In this deep dive, she explores common estate planning issues, including:

• The biggest mistake people make in estate planning.

• Financial indicators that suggest that it’s set up a trust.

• Different types of trusts.

• How certain trusts can help bypass probate, maintain privacy, or expedite asset transfers to beneficiaries.

• The potential fee structures associated with trusts.

• Strategies for second marriages—ensuring assets pass to children while providing for a spouse.

• The role of pre-nuptial agreements in estate planning.

• Essential information for those named as a Power of Attorney (POA).

• Joint finances and bank accounts—their pros, cons, and relevance in estate planning.

This discussion is packed with valuable insights, resources, and practical advice for anyone looking to build a solid estate plan. Don't miss this opportunity to empower yourself with knowledge!