In this episode of Plain English Finance, Tré Bynoe, CFP®, CIM® breaks down the foundations of smart investing. Joined by Sierra, he walks through the same conversation he has with every new client — what “risk” really means, why most people misunderstand it, and how to build a portfolio that matches both your goals and your comfort level. Tré explains how to think about equity versus fixed income, why the U.S. still dominates global markets, and how to stay calm through inevitable market dro...
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In this episode of Plain English Finance, Tré Bynoe, CFP®, CIM® breaks down the foundations of smart investing. Joined by Sierra, he walks through the same conversation he has with every new client — what “risk” really means, why most people misunderstand it, and how to build a portfolio that matches both your goals and your comfort level. Tré explains how to think about equity versus fixed income, why the U.S. still dominates global markets, and how to stay calm through inevitable market dro...
Some financial planners still use the same flat “4% return” rate for every client’s retirement plan. Tré and Sierra explain why that’s not just inaccurate—it’s unprofessional. In this candid episode, Tré shares what happened at a due diligence event that left him frustrated with the industry’s bad habits. You’ll learn why using made-up assumptions leads to misleading plans, what FP Canada actually requires, and how real professionals base projections on evidence, not convenience. This episode...
Plain English Finance
In this episode of Plain English Finance, Tré Bynoe, CFP®, CIM® breaks down the foundations of smart investing. Joined by Sierra, he walks through the same conversation he has with every new client — what “risk” really means, why most people misunderstand it, and how to build a portfolio that matches both your goals and your comfort level. Tré explains how to think about equity versus fixed income, why the U.S. still dominates global markets, and how to stay calm through inevitable market dro...
