In this episode, Joe Curry starts with a tough question: Could your business be worth far less than you expect?

Most business owners believe boosting sales and profits is the only way to grow business value. But that’s only one piece of the puzzle.

What You’ll Learn:

• What the value gap really is and why it matters
• Why increasing revenue and profit isn’t enough
• How factors like owner dependence, recurring revenue, and customer concentration affect your business value

Joe shares practical tips on how to make your business less risky, more scalable, and ultimately more valuable even if you're not planning to sell anytime soon.

Here’s what you’re in for:

00:00 Is Your Business Worth Less Than You Think?

01:20 Understanding the Value Gap

03:02 Key Drivers of Business Value

07:17 Practical Example Marketing Agency

09:21 Why Focusing on Value Matters

10:39 Conclusion and Key Takeaways

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ABOUT JOE CURRY

Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: https://www.retirementplanningsimplified.ca/

https://www.facebook.com/RetirementPlanningSimplified/

https://matthewsandassociates.ca/

ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.

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Disclaimer:

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund,...

How Should You Pay Yourself as a Business Owner? Salary, Dividends, or an IPP?

In this episode, Joe chats with Braden Warwick from PWL Capital about how business owners can pay themselves in the smartest way. They break down the pros and cons of taking a salary, dividends, or using an Individual Pension Plan (IPP), a lesser-known but powerful option.

Braden shares what he’s learned from co-authoring a paper with Ben Felix, and they talk through real-life examples. You'll learn how taxes play into each option, what “notional accounts” are (in simple terms), and how a flexible income plan could help you get the most from your money,both now and in retirement.

Here’s what you’re in for:

• 00:00 – Welcome and intro
• 00:24 – Meet Braden and his role at PWL
• 01:57 – What the research says about business owner pay
• 04:03 – Tax pros and cons of each method
• 08:46 – What are notional accounts, anyway?
• 13:02 – How IPPs work and who they’re good for
• 17:35 – Using a flexible salary strategy
• 25:49 – Final thoughts and where to learn more

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ABOUT BRADEN WARWICK

Braden Warwick is a PhD Research Engineer who loves turning complex research into practical, high-performing software. With a background in optimization, Monte Carlo and statistical analysis, and stochastic modeling, he’s passionate about solving tough problems and making data-driven tools that work in the real world. Braden has hands-on experience with GPU-accelerated simulations, parallel processing, and modern Python and JavaScript frameworks, bringing innovative ideas from theory to production.

You can reach out to Braden through:

LinkedIn: https://www.linkedin.com/in/braden-warwick-a40b48a3

Website: https://www.bradenwarwick.ca (Personal)

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ABOUT JOE CURRY

Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: https://www.retirementplanningsimplified.ca/

https://www.facebook.com/RetirementPlanningSimplified/

https://matthewsandassociates.ca/

ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED

The Business and Exit Planning...

How to Calculate Your Wealth Gap and Retire on Your Terms

If you sold your business tomorrow, would it fund your retirement? In this episode of Retirement Planning Simplified, Joe Curry breaks down how to calculate your “wealth gap”, the difference between what you need for financial independence and what you already have saved outside your business and home.

You’ll learn why this number is the foundation for both retirement and exit planning, how to use the 4% rule for back-of-the-napkin math, and what business owners can do today to close that gap and retire with confidence.

Here’s what you’re in for:

00:00 The Big Question About Retirement

01:50 Calculating Your Wealth Gap

02:07 Retirement Lifestyle Goals

02:52 Income from Investments: The 4% Rule

03:33 Considering Taxes in Your Wealth Gap

03:57 Assets and the Wealth Gap

04:45 Closing the Wealth Gap with Your Business

05:12 Financial Independence vs. Retirement

05:31 Reverse Engineering Your Business Sale

06:56 Example Walkthrough

08:13 The Importance of Early Exit Planning

09:50 Conclusion: Bridging Business and Retirement

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ABOUT JOE CURRY

Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled.

You can reach out to Joe through:

LinkedIn: https://www.linkedin.com/in/curryjoe

Website: https://www.retirementplanningsimplified.ca/

https://www.facebook.com/RetirementPlanningSimplified/

https://matthewsandassociates.ca/

ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED

The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose.

—-------------------------------------------------------------

Disclaimer:

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is