How to Build Your Own Pension as a Canadian Business Owner

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Should you keep your pension—or build your own?

If you’ve left a teaching or public sector job to start a business or invest independently, the idea of commuting your pension can feel intimidating. Do you trade the safety net of a predictable income for the freedom (and risk) of building wealth your own way? In this episode, Jon and Kyle break down the mindset and math behind pensions—revealing what most people misunderstand about “guaranteed” security and how business owners can create their own version of it. Whether you’re missing the comfort of a defined benefit plan or wondering if those “golden handcuffs” were ever worth it, this conversation reframes what financial certainty can really look like.

You’ll discover:

1. The real rate of return behind traditional pensions—and why they’re not as generous as they appear.
2. How to replicate pension-like security using a well-structured, high–cash-value insurance policy or other conservative strategies.
3. A practical framework for balancing growth, flexibility, and risk so you can build your own financial “floor” without sacrificing upside potential.

Press play now to learn how to design your own pension-style safety net—and take control of your wealth on your own terms.

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Canadian Wealth Secrets Show Notes Page:

Consider reaching out to Kyle

• …taking a salary with a goal of stuffing RRSPs;
• …investing insi

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If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O’Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we’re confident you’ll enjoy Canadian Wealth Secrets too.

Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.