Category Archives: The Ride Podcast

Episode 25 – Your 10-Step Pre-Retirement Checklist



One of the reasons why retirement is such a major life decision is timing. If you retire too early, you might have financial trouble. If you retire too late, you might not have the energy to enjoy it to the fullest. 

So, when is it the right time to retire? 

To help you decide, Kris Dureau walks you through his 10-step pre-retirement checklist. This list will help shed light on the different financial, health, and planning considerations you need to be aware of as you approach your next stage of life. 

In this episode, you will learn:

  • Why you need to choose the type of retirement you want to live 
  • How a cash flow plan, emergency funds, and health insurance can help you improve your retirement needs 
  • How retirees and pre-retirees can approach debt 
  • Benefits of changing your accumulation portfolio to a retirement income portfolio
  • And more!

Tune in today and discover how you can better navigate the path of retirement planning!

Resources:  Episode 6 – Why Everybody Needs a Will | Episode 15 – How to Retire Well (Part 1)Episode 16 – How to Retire Well (Part 2)  | Three Hats Financial  | Kris Dureau | Retirement Shift Worksheet | Cashflow Spreadsheet


Episode 23 – Spring Clean Your Finances With These 6 Steps



With spring upon us, now is the perfect time to do some financial closet-cleaning.

Are you ready to get started?

Join Kris Dureau in this episode as he guides you through your financial spring cleaning with six simple steps that will help you get your finances organized and ready for the coming seasons.

In this episode, you will learn:

  • The benefits of a financial filing system 
  • Why you should always review your investments and rebalance your portfolio
  • Which insurance policies you should be checking on
  • How to verify your credit score 
  • And more!

Listen in and start sprucing up your financial picture today!  

Resources:  Three Hats Financial  | Kris Dureau | Resources: Cashflow Spreadsheet | Equifax | TransUnion


Episode 20 – Everything You Need To Know About Critical Illness Coverage



Critical illness coverage is a long-term insurance policy that covers serious illnesses such as cancer, heart attacks, coronary artery bypass surgery, and more. 

In this episode, Kris Dureau discusses everything you need to know about this type of coverage and explains how its financial component can help you alleviate the toll of a health condition.

In this episode, you will learn:

  • How critical illness coverage works 
  • About the claiming process 
  • How previous family health conditions can impact your coverage premium 
  • The conditions you need to meet to get your coverage premium back 
  • And more!

Tune in now and discover how critical illness coverage can help you protect your finances and health! 

Resources:   Three Hats Financial  | Resources | Kris Dureau | (888) 442-4218


Episode 18 – How Baby Boomers can Prepare their Business for Sale – With Ryan Parkinson



As a business owner, you have put creativity, sweat, worries, and energy into creating and growing your business. 

When the time comes to reap the rewards of your hard work and to sell your business, what should you think about before putting up that “for sale” sign?

To find out, Kris Dureau welcomes Ryan Parkinson for today’s episode. Together, they discuss different areas of exit planning you need to be aware of when selling your business and the steps you should take to prepare for the big sale.

In this episode, you will learn:

  • How far in advance you should start preparing to sell your business
  • Why financial statements are helpful when buying and selling a business 
  • How to get a proper business valuation 
  • Dealing with customers and staff during the selling process 
  • And more!

Listen now to discover the financial and psychological factors you need to consider when selling your business!

Resources:  Three Hats Financial  | Kris Dureau | Grant Thornton | Ryan Parkinson 


Episode 17 – Is Now the Time to Refinance or Buy a Second Property? – With Derek Gold



COVID-19 is just one of the many reasons why interest rates are at historically low rates.  

With rates so low, should you be considering refinancing your home or purchasing a second property?

In this episode, Kris Dureau welcomes Mortgage Scout’s Derek Gold to discuss this and more. Together, they explore the current interest rate environment and answer questions you might have about refinancing and buying a second property. 

In this episode, you will learn:

  • The difference between a variable and a fixed mortgage rate 
  • Pros and cons of shorter and longer amortization periods
  • Getting a mortgage when you’re self-employed or retired 
  • How a good credit score affects your mortgage 
  • And more!

Tune in today to learn everything you need to know before refinancing your home or purchasing that second home!   

Resources: Three Hats Financial  | Kris Dureau | Mortgage Scout | Derek Gold 


Episode 15 – How to Retire Well – Part 1



When you retire, what will you retire to? How do you envision your retirement? 

To help you create a smooth transition into life’s next chapter, join Kris Dureau for this new two-part mini-series on what it takes to retire well. In part one, Kris examines the mental side of retirement and breaks down five unique qualitative exercises that are designed to help retirees understand what retirement means to them.

In this episode, you will learn:

  • How the retirement landscape is changing
  • Three Hats Financial’s five stages of retirement coaching 
  • How clients have benefited from Three Hats’ retirement planning techniques 
  • How the My Retirement Worksheet can help you adjust to retirement 
  • And more!

Tune in now to discover key ways you can transition into your retirement so that you can live, and retire, well!

Resources:   Three Hats Financial | Epic Retirement Clip 


Episode 14 – What to Know Before Making a Midlife Career Change — With Lisa Taylor



Do you want to pursue a new career but are unsure whether you should truly go for it? 

In this episode, Kris Dureau sits down with the Challenge Factory’s Lisa Taylor. Lisa is an in-demand speaker with expert insight into today’s changing workforce. Now, Lisa details how transitioning to a new career path can be life-changing and what you can do to achieve it! 

In this episode, you will learn:

  • How to conquer the fear of making a career change
  • The 4 domains of changing career paths: needs, talents, passions, and impact
  • Where to receive career counselling and guidance 
  • Ageism in the workforce
  • And more!

Tune in and discover how Kris and Lisa can help you on your new career journey! 

Resources: Three Hats Financial | Kris Dureau on LinkedInChallenge Factory


Episode 13 — What Should you Know When Buying a New or Used Car — With Greg Carrasco



Buying a new car is never a simple process, especially when there is so much to consider.

To help you better navigate the process, Kris Dureau enlists the help of Greg Carrasco for today’s episode. As the host of The Greg Carrasco Show, one of the most influential and largest automotive radio shows in Canada, Greg has over 27 years of experience in the automotive industry and is well-versed in all things cars.

Today, Greg shares tips and tricks to help you make the best decisions when buying a vehicle.

In this episode, you will learn:

  • How COVID-19 has impacted the automotive industry
  • The best time of year to buy a vehicle
  • Strategies for trading in your vehicle
  • The importance of buying an extended warranty
  • And more!

Join Kris and Greg now for your run-down on what you should consider when shopping for your next car!

Resources: Three Hats Financial | Kris Dureau on LinkedInThe Greg Carrasco Show


Episode 12 – Managing Chronic Illness With Chronically Simple — With Guest Kristy Dickinson



Having a chronic illness can be anything but simple. That’s where Chronically Simple can help.

Today, Kris Dureau joins Kristy Dickinson, the creator of Chronically Simple, an app designed to help individuals and their families better manage their health. 

Kristy shares how her personal experience with a chronic illness led her to create the app, highlighting just how important the app is and how it can help simplify the lives of those with chronic illnesses. 

In this episode, you will learn:

  • Which gaps in the healthcare system Chronically Simple aims to fill
  • How a lack of information can impact testing and treatment
  • The benefits of keeping your medical information organized
  • How Chronically Simple can help during this COVID-19 pandemic
  • And more!

Tune in now and discover how Chronically Simple can change the way you manage your health!

Resources: Three Hats Financial | Kris Dureau on LinkedInKristy’s EmailChronically Simple


Episode 11 – What’s in Your Portfolio? How to Invest Responsibly — With David Rutherford



Today’s investors don’t just want a portfolio that’s well-diversified. They also want a portfolio that’s going to make an impact.

Today, Kris Dureau joins David Rutherford to bring you some clarity on how you can become a more informed, responsible investor and invest in a way that aligns with your values. 

As vice president of NEI Investments’ ESG services, David reveals ways you can invest in companies that are working towards a better tomorrow and how responsible investing can enhance both your portfolio and life.

In this episode, you will learn:

  • The different components of ESG investing
  • How NEI Investments screens companies for their ESG score
  • Why responsible investing is on the rise
  • How returns on ethical funds compare to regular funds
  • And more!

Tune in now and discover how your investing today can help bring a better tomorrow!

Resources: Three Hats Financial | Kris Dureau on LinkedInDavid RutherfordNEI Investments