How is my Financial Health, Doc?

You already know my penchant towards real-estate as an asset. It is a good asset to hold. Most Canadians believe so as well. But how healthy is our Canadian market? Where are the opportunities? What types of real-estate investments are available beyond owning a rental unit? This episode with Ray Punn will try to answer these questions.     If you have any feedback, please email me at hmfhd2020@gmail.com

This is the first episode of a 2-part series about the legal pitfalls of being a physician landlord. If/when you become a real-estate investor and desire passive income through rental properties, there are many traps to avoid. Prevention is really the best medicine. This episode complements the previous one from Dr. Michael Long. Between these 2 episodes, there are multiple golden nuggets and wisdom only from those who have done it and lived it can share.   Please enjoy.   To leave me comments or feedback, please email me at hmfhd2020@gmail.com    

Physicians are busy enough at their regular day (and maybe) night job. We do not need another gig? or do we?   Many aspire to own real-estate and make passive income from it. It is not easy. It can be fairly complicated or complex.   Dr. Mike Long shares with us his 30 years of experience as a landlord. There are multiple golden nuggets in this episode. Please enjoy responsibly!   To review the list of topics and speakers, and to register for the Code Green Conference, please visit www.codegreenfinancial.com.  

In this episode, one of the co-founders of Code Green Financial Conference, Dr. Roger Sen, explains and discusses ETFs. The "What", "How" and "When" of investing in ETFs.   To register for the Code Green Conference, please visit www.codegreenfinancial.com   To leave me with your comments, please use hmfhd2020@gmail.com.  

Many people, including physicians, enjoy real-estate as an asset class. There are more than 1 way to invest in real-estate. Today, we discuss one of them. They Why, What, and How.   To leave me with your feedback, please email me at HMFHD2020@gmail.com   Please also visit www.codegreenfinancial.com to register for the Code Green Conference on March 29th, 2026 at the Old Mill Inn in Toronto.

Since the Healthcare of Ontario Pension Plan (HOOPP) made itself available to incorporated physicians in Ontario, many experts and podcasters have discussed it in the public realm. I have heard many inaccuracies and my hope is to address them in this episode with the help of my friend and business colleague Mr. JP Laporte who is a pension lawyer. Physicians in Ontario should fully understand these inaccuracies, which themselves come from the complexity of pension plan structures. Physicians should do their due diligence.   If you want to leave me with your feedback, please email me at HMFHD2020@gmail.com.   To register for the Code green Conference, please visit https://codegreenfinancial.com/.

Real-estate is an asset everyone wants to own in the investment portfolio. There are lots to like about owning real-estate. There are many legal questions that must be answered before signing on the purchase agreement's dotted line. Know what they are.   To leave comments or feedback, please email at HMFHD2020@gmail.com To register for the Code green Conference on March 29th, 2026, visit codegreenfinancial.com  

It is very interesting that as healthcare professionals who deal with illness, disability, and Death everyday of our lives we very commonly are ill prepared ourselves to face these life events, especially when it comes to planning for legal matters. In tis episode, we will dive a bit into the topics of Wills and Estate Planning with an Estate Lawyer who can provide us with a bit of light and direction.   To leave me comments or feedback, please email me at HMFHD2020@gmail.com.

In this episode, we will pick the brain of the Savvy Physician, someone who has shared with our community his learnings throughout the years about personal finance. Dr. Kulkarni has written a book that is making very positive impact with colleagues. I hope we can absorb some of his wisdom today.   To leave me comments or feedback, please email me at HMFHD2020@gmail.com.

This episode, I am having a conversation with Dr. Varenbut about his impetus for writing his book about personal finance for Canadian physicians. We will learn from his experience and wisdom surrounding the topic of financial wellness among members of our community. I am certain many will walk away with lots of pearls and golden nuggets.   To reach out to me, please email me at hmfhd2020@gmail.com for any feedback of comments.   Save the Date for the Code Green Conference: March 29th, 2026 at the Old Mill Inn in Etobicoke.  

We have a fireside chat with my good buddy Pratik and we discuss his approach to his career, personal life, and financial journey. Pratik shares with us his learnings and also many golden nuggets. Nobody teaches us these life lessons. We kinda have to learn these as we go. Sadly, many of us still are struggling to learn these life lessons.   To leave me with feedback or comments, please email me at hmfhd2020@gmail.com  

Physicians have skills that can be applied to many industries and sectors of the economy. Many of us have followed our passion or calling. Many of us can still do this while working our day job.    To leave me with your feedback or comments, please email me at hmfhd2020@gmail.com   To reach me for financial coaching, email me at the address above.

While I am not an accountant, I like to learn about taxes in Canada. This is because it allows me to better properly plan my financial life. I recognize many of us in the medical community shy away from learning about taxes that impact us. It is not in our best interest. It is essential to understand taxes well.   If you have any comments or have ideas for future podcasts, please email me at hmfhd2020@gmail.com.  

I have many colleagues who have done their medicine in other countries. They have struggled tremendously before succeeding here in Canada. Many of their struggles are not unlike the Canadian trained physicians. However, they face other additional challenges. In this episode, I am chatting with Samir, a good friend and colleague from Egypt. He recounts his own struggles and now shares his learnings with us.   If you would like to leave me with comments, please email me at hmfhd2020@gmail.com.  

In this episode, I am having a conversation with Dr. Milad Modabber, an ophthalmologist who shares the same interest and passion for making financial literacy a part of our medical training. We will understand why he thinks so and how we can work towards this goal.   If you have any comments or feedback, please email me at hmfhd2020@gmail.com.

There is no doubt we are facing a scenario that no one has ever seen before. The tumultuousness of the economy and markets at the hand of 1 person and his policies is unparalleled.  Despite the uncertainty, a few silver linings are beginning to emerge. The future in Canada, in the US, and across the globe will be bright. We will all emerge stronger.   How do we prepare for today and the short-term pain? How do we prepare for tomorrow's long-term gain?   We will discuss with Jonathan Lin.   Please enjoy!   To leave me comments or feedback, please email me at hmfhd202@gmail.com.    

It is now official and Trump has been inaugurated as the President of the USA. Even before he was inaugurated, he had an impact on the stock market. He will continue to have impact on the market over the next 4 years (and maybe even beyond).  What does this mean for your portfolio? What does this mean on how you save and/or invest? Let's talk to Edan and get some insights.   To leave me comments or feedback, please email me at hmfhd2020@gmail.com  

Many physicians I know have lots of great ideas and passion. Very few of us know how to convert these ideas and passion into reality. There are many explanations for this and I believe mindset is the major obstacle. Second is fear. Third is the lack of know-how.    In this episode, we will have a fire-side chat with Dr. Mike Long who is himself a physician and an entrepreneur. Let's get inspired by Mike. I think we all "want to be like Mike" by the end of this episode.   To leave me with comment, please email me at HMFHD2020@gmail.com   To register for Code Green financial literacy conference, visit www.codegreenfinancial.com

**** Disclosure***** Myself (Vu Kiet Tran) and Mr. Jean-Pierre Laporte are co-founders of the Canadian Physicians' Pension Plan.   Over the last 2-3 years, several pension plans for physicians have come onto the Canadian market. Physicians are now more concerned with their retirement and financial wellness (and they should be), especially with the most recent announcement by the federal government that increased the inclusion rate on Capital Gains. Physicians are starting to understand the financial impact of this new change and are looking for solutions. They are now being marketed on the Specified Multi-Employer Pension Plan (SMEPP). Physicians need to know what this pension plan is about. Physicians need to do their due diligence.   To leave me comments or feedback, please email me at hmfhd2020@gmail.com   To visit the Code Green Financial Fluency conference for Feb 15th, 2025, please visit  www.codegreenfinancial.com    

The Healthcare of Ontario Pension Plan (HOOPP) will welcome Ontario incorporated physicians on January 2nd, 2025. For more than 60 years, HOOPP has been providing secure pensions to Ontario healthcare workers. With more than 460,000 members and 670 participating employers across the province, HOOPP’s membership continues to grow.   Physicians play an important role in Ontario’s healthcare sector, and HOOPP is pleased to announce that HOOPP will open the Plan to eligible incorporated physicians across the province in January 2025.  Medical associations have advocated and now doctors have another pension option.   What is The Healthcare of Ontario pension Plan? Who was it designed for? Were physicians in the initial calculations back in its establishment in 1960? If not, how do incorporated physicians fit in there now?   Does HOOPP even meet the needs of incorporated physicians in Ontario in 2025? Does it fall short and where?   To leave me with comment, please email me at HMFHD2020@gmail.com   To register for Code Green financial literacy conference, visit www.codegreenfinancial.com