In this episode of The Forbes Podcast, Penny Forbes speaks with Andrea Thompson, Founder of the advice only financial planning firm Modern Cents, about how Canadians are redefining financial freedom — shifting from “retire at 65” to live well now. Andrea shares how Adaptive Financial Planning supports a lifestyle built on purpose, flexibility, and experiences today, not someday. 💡 We cover: The rise of advice-only financial planning Generational shifts in money mindset Real estate as a lifestyle strategy Andrea’s Boundless Life experience working abroad with her family in Greece + more! Connect with Andrea and her team at Modern Cents:https://www.moderncents.ca/ | @modern_cents

What if everything you thought you were supposed to do turned out to be the very thing holding you back? In this powerful episode, Penny Forbes sits down with Amanda Gervasi — life coach, speaker, podcast host, and founder of the irresistible Amore Cheesecake Jars — to explore what it truly means to live life fearlessly and on your own terms. Whether you're stuck in a career, navigating a life change, or questioning your timeline, this conversation will remind you: it’s never too late to start again. 📲 Connect with Amanda on Instagram: @amandagervasi | @amore.cheesecake.jars🌐 Visit her website: www.amandagervasi.com

In this episode of The Forbes Podcast, Penny Forbes is joined by Eva Sachs, a top Divorce Financial Consultant and a Certified Financial Planner (CFP®), Chartered Financial Divorce Specialist with Advanced Accreditation (CFDS-AA), and Certified Divorce Financial Analyst (CDFA™). Eva answers the big question: “Will I be okay?” With 15+ years of experience, Eva brings clarity to the financial side of divorce—helping individuals understand their assets, avoid costly missteps, and make empowered decisions about their future. From separation agreements and pensions to housing and support payments, this conversation is packed with grounded insights for anyone at the crossroads of change. Whether you're contemplating divorce or already in it, this episode offers real talk and real strategies. 📌 Disclaimer: This podcast is for informational purposes only and is not financial or legal advice. Find Eva Sachs online:www.evasachs.com Find Penny Forbes online:linktr.ee/pennyforbesrealty  For those shaping their homes, communities, and financial futures—this podcast is for you.Subscribe for conversations that Inspire, Educate, and Empower.

In this episode, Penny Forbes interviews Cheryl Cruickshanks, a seasoned lawyer with over 15 years of experience in real estate and estate law. Cheryl brings practical legal wisdom that every homeowner, investor, and family needs to hear. From buying and selling property, navigating title issues, easements, and status certificates, to understanding the critical importance of wills, powers of attorney, and estate planning—this conversation is packed with legal insights. Disclaimer: This episode is for informational purposes only and does not constitute legal advice. Please consult a qualified legal professional for advice tailored to your individual circumstances. Find Cheryl Cruickshanks online:🔗 cruickshankslaw.ca Find Penny Forbes online:🔗 linktr.ee/pennyforbesrealty

🎧 What if your mortgage could make you money—and be gone in just 10 years?In this episode of The Forbes Podcast, Penny Forbes sits down with Sean Smith and Devon Noble, co-founders of Freedom10, to explore how Canadians are using Rental Cash Damming to turn rental income into a tax-deductible, wealth-building tool. They also break down the Smith Maneuver, a complementary tactic that transforms home equity into investment capital—and how these strategies, for the right individual at the right time, can help you build real wealth while reducing your tax bill. This episode is for:✅ Homeowners with a mortgage and a rental property, basement suite, or a second home like a cottage✅ High-income earners looking to reduce their tax burden✅ Real estate investors seeking smarter debt strategies✅ Anyone curious about turning everyday debt into financial freedom 🎯 Stay tuned to the end for expert life and money tips from Sean, Devon, and Penny on how to keep things simple, smart, and sustainable. 💬 "A dollar saved can be just as powerful as a dollar earned." 🔥 Their TikTok educational videos have hit 1 million + views—check them out for more tips! 📌 Disclaimer: This podcast is for informational purposes only and is not financial or legal advice. Please consult a qualified professional for guidance tailored to your situation. Find Sean & Devon online:🌐 www.freedom10.ca🎵 TikTok: @dev_sean 📸 Instagram: @seansmithmortgage Find Penny Forbes online:🔗 linktr.ee/pennyforbesrealty 🎧 For those shaping their homes, communities, and financial futures—this podcast is for you.Subscribe for conversations that Inspire, Educate, and Empower.

In this episode of The Forbes Podcast, host Penny Forbes sits down with Michael Schmidt, franchise owner of Housemaster Toronto, to explore his journey from the film industry to becoming a top-tier home inspector in the GTA. With over 770 five-star Google reviews and multiple Consumer Choice Awards, Michael shares what sets their inspections apart—emphasizing thoroughness, client education, and attention to detail. 💼🏡 This episode unpacks the crucial role of home inspections in real estate transactions—from condos to pre-listing to specialized inspections like radon, mold, and asbestos. Michael also shares real-life findings that reveal how inspections can impact negotiations, protect investments, and build buyer confidence.   Connect with Michael: Michael Schmidt – Housemaster Toronto: housemastertoronto.com   Connect with Penny: Penny Forbes: linktr.ee/pennyforbesrealty    

In this episode, Penny Forbes chats with Corinna Mancini, Founder of Coco’s Tallow Co.—a clean beauty advocate who transformed her personal battle with eczema into a thriving, purpose-led skincare brand. Corinna opens up about: Turning a skin struggle into a business The natural power of tallow for skin health Formulating products safe for the whole family Why taking action—even before you feel ready—matters A must-listen for natural skincare lovers, wellness advocates, and purpose-driven entrepreneurs. Discover the benefits of tallow and take the first step in your natural skincare journey!   Connect with Corinna Mancini: Instagram: @cocostallowco Etsy Shop: cocostallowco.etsy.com   Connect with host Penny Forbes:linktr.ee/pennyforbesrealty

🎙️ What’s the real cost of being underinsured? In this episode, host Penny Forbes chats with insurance pro Jennifer Beasley about the must-knows of life, disability, and critical illness insurance—plus smart tips on home and auto coverage. She explores why term life insurance is often the better choice over mortgage life insurance, and how even small policies can make a big impact. Jennifer also shares her journey as a female entrepreneur and the importance of advocating for your health and finances. 💡 A must-listen for anyone who wants to protect what matters most and feel more confident about their future. 📌 Disclaimer: This podcast is for informational purposes only and is not financial or legal advice. Please consult a qualified professional for guidance tailored to your situation. Connect with Jennifer Beasley online:👉 LinkedIn: http://linkedin.com/in/jennifer-beasley-52b0ab55 👉 Website: Jennifer Beasley Insurance Agency Inc – The Co-operators 👉 Instagram: jennifer_beasley_insurance  

Penny sits down with Myles Doak—Founder, Entrepreneur, Storyteller, and 2-time Dragons' Den Entrepreneur, the mind behind multiple successful businesses including Neighbour Media, SummerSkates and The Big Ball Golf Company. Myles shares his journey, including: Building and scaling multiple successful businesses Lessons from facing the Dragons—twice! The power of authentic storytelling and purpose-driven marketing How community-driven marketing can elevate a brand His vision for the future of digital advertising and branding This is a must-listen for entrepreneurs, marketers, and story-driven leaders who want to build brands that truly connect and last. Connect with Myles Doak online:👉 Instagram: @mylesdoak | @neighbourmedia 👉 LinkedIn: linkedin.com/in/myles-doak  

In this episode, Penny sits down with Sara Zollo, Senior Wealth Advisor at Harmony Wealth and recipient of Wealth Professionals Canada 2024 Top 50 Leading Women in Wealth Award—a significant honour recognizing her impact and leadership in the financial industry. From retirement planning and debt management to investment advice, financial literacy, and navigating finances during major life transitions like divorce, Sara shares real-world insights to help you feel more confident with your money. Whether you're planning ahead, juggling life with a young family, or rebuilding—this episode will inspire you to spend time on your finances and remind you that you don’t have to do it alone. Sara Zollo, Senior Wealth Advisor – Harmony Wealth🏆 2024 Top 50 Leading Women in Wealth – Wealth Professionals Canada🌐 www.harmony-wealth.ca 🎧 Chapters00:00 – Welcome & Sara’s background at Harmony Wealth00:55 – What a Wealth Advisor Really Does03:51 – Why Financial Planning Matters08:01 – When to Work with a Financial Advisor11:59 – How to Start Thinking About Retirement15:00 – Saving vs. Paying Down Debt17:55 – Avoiding the Chase: Smarter Investment Strategy21:02 – Relationship Finance: Building Financial Harmony23:54 – Starting Over: Divorce & Financial Reset28:49 – Final Thoughts: Time is Your Best Asset 👉 Tune in now to The Forbes Podcast.For those shaping their homes, communities, and financial futures—this podcast is for you. ⚠️ This conversation is for general inspiration, empowerment, and entertainment. It does not constitute financial advice. Always consult your own advisor regarding your specific financial situation.  

In this feel-good episode, Penny Forbes chats with Kendra Watson, founder of Voyage Yoga Studio in the vibrant Village of Schomberg located in King Township, Ontario. From her unexpected journey to opening a studio, to creating a space where everyone—every age, every body—feels welcome, Kendra shares how yoga, community, and heart come together in powerful ways. If you're looking for a little inspiration, insight, and that push to follow your own path—this one’s for you. ✨ Conversations to inspire, educate, and empower—right from the mat. Connect with Kendra & Voyage Yoga Studio:🌐 www.voyageyogastudio.ca Connect with Penny:🔗 linktr.ee/pennyforbesrealty   Chapters 00:00 Introduction to Voyage Yoga Studio01:00 Kendra's Journey to Yoga04:12 Transitioning from Farrier to Yoga Instructor06:59 Opening Voyage Yoga Studio10:02 Creating a Community Space14:01 The Health Benefits of Yoga19:00 Future Plans for Voyage Yoga Studio21:34 Building a Teaching Community24:54 Celebrating Strength in Diversity26:34 Creating a Safe and Nurturing Space30:12 The Importance of Foundations in Yoga37:30 Embracing the Journey of Practice and Business

In the first episode of The Forbes Podcast with Penny Forbes, I sit down with Sunny Talbot, Mortgage Broker at Pineapple, to break down everything you need to know about mortgages—whether you're buying, selling, refinancing, or investing. We cover the best approach to mortgage renewals, pre-approvals and how interest rates impact borrowing decisions. Sunny also shares expert advice on fixed vs. variable rates, and mortgage strategies for borrowers, investors, and those navigating divorce. If you want to make smarter, more confident mortgage decisions, this episode is for you! Find Sunny Talbot online:linktr.ee/sunnythemortgagelady Find Penny Forbes online:linktr.ee/pennyforbesrealty