The RFL Wealthcast
Learn how to grow your wealth, pay less tax, and build a Rich, Fulfilling Life. Tune in for real stories, clear advice, and the strategies no one else is talking about.
New episodes every Friday
Feature Episode
43. The Hidden Cost of ‘Free’ Advice
Most doctors and dentists think they’re being savvy when they opt for free financial advice from banks, insurance...
Meet The Hosts
Saad Nadeem, CFP, CLU, RRC
Founder and CEO of RFL Wealth Management, Saad specializes in tax-efficient Financial Life Plans for Canadian and internationally trained medical professionals—without selling investments or insurance. His holistic Rich, Fulfilling Life™ approach addresses finances, family, health, and community, empowering clients to build wealth, enjoy life, and create a lasting legacy.
Usman Jamal
Director of Financial Planning at RFL Wealth Management, Usman delivers personalized, tax-efficient plans for Canadian and internationally trained medical professionals. Committed to clarity and simplicity, he supports RFL’s Rich, Fulfilling Life™ mission—helping physicians and dentists achieve financial confidence, balance family and health, and live with purpose and peace of mind.
43. The Hidden Cost of ‘Free’ Advice
Most doctors and dentists think they’re being savvy when they opt for free financial advice from banks, insurance...
42. Why Selling Your Dental Practice Isn’t Enough for Retirement
In this episode of The Rich Fulfilling Life Show, Saad Nadeem dives into one of the most common—and costly—retirement...
41. HOOPP vs. PPP: What’s the Best Pension Strategy for Incorporated Doctors in 2025?
Incorporated physicians in Ontario can now join HOOPP as of January 2025—a game-changer for doctor retirement...
40. Inside Saad’s New Book! “The Tax Free MD”
Are you an internationally trained medical professional in Canada? This episode could save you millions in taxes—and...
39. Enjoy Life Today, Secure Tomorrow
Welcome to the Rich Fulfilling Life Podcast, where we help medical professionals across Canada build financial...
38. The Cost of Waiting
In this episode of The Rich Fulfilling Life Show, Saad Nadeem and Usman Jamal reveal the true cost of waiting when it...
37. Time, Taxes, and Peace of Mind
Managing time, minimizing taxes, and achieving financial peace of mind—three things every medical professional needs...
36. RFL Service Packages
In this episode, hosts Saad Nadeem and Usman Jamal explore the new service packages offered by RFL Wealth Management,...
35. Alternative Investments – Are They Worth it
In this episode, hosts Saad Nadeem and Usman Jamal dive into the world of alternative investments. From art and real...
34. Problem With Over Diversified Portfolios
In this episode of Your Rich Fulfilling Life Show, we tackle the lesser-discussed pitfalls of over-diversification in...
33. Early Retirement Is Possible
In this episode of Your Rich Fulfilling Life Show, hosts Saad Nadeem and Usman Jamal dive deep into the topic of early...
32. What Does RFL Wealth Really Do?
In Episode 32 of The Rich Fulfilling Life Show, we take a deep dive into what RFL Wealth Management is all about—our...
31 . Dollar Cost Averaging Vs. Lump Sum Investing
In this episode of Your Rich Fulfilling Life Show, hosts Saad Nadeem and Usman Jamal break down two common investment...
30 . Wills & POAs: What are they? Do you need them? When do you need them?
Join Saad Nadeem and Usman Jamal in this episode of The Rich Fulfilling Life Show as they simplify estate planning....
29. Family Cottage: Sell It or Gift It To Your Children?
In this episode of The Rich Fulfilling Life Show, hosts Usman Jamal and Saad Nadeem explore the smartest strategies...
28. Incorporations: To Be or Not To Be?
In this episode of The Rich Fulfilling Life Show, Saad Nadeem and Usman Jamal dive deep into the crucial question:...
27. What is Your Retirement Age, Anyways?
In Episode 27 of Your Rich Fulfilling Life Show, Saad and Usman explore "What is Your Retirement Age, Anyways?" by...
15. Everything you need to know about Critical Illness
Interview with Dr. Vu, (Almost) Everything you need to know about Critical Illness Key Moments: What Is Critical...
26. (Part 2) Taxable, Tax-Deferred & Tax Free – Knowing The Difference Will Save You Roughly $2.7M In Taxes
In the second part of this enlightening series, Saad Nadeem and Usman Jamal take a deep dive into the tax-free bucket...
25. Taxable, Tax-Deferred & Tax-Free: Knowing The Difference Will Save You Roughly $2.7M In Taxes
In this eye-opening episode of The Rich Fulfilling Life Show, Saad Nadeem and Usman Jamal delve into the crucial world...
24. Top 5 Lessons on Wealth, Greed and Happiness
Join Saad Nadeem and Usman Jamal on Episode #24 of the Rich Fulfilling Life Show as they dive into the Top 5 Lessons...
23. Capital gains have officially increased! What are your options, doc?
Join Saad Nadeem and Usman Jamal on Episode 23 of the Rich Fulfilling Life Show as they delve into the recent hikes in...
22 . Bank of Canada decreased interest rates… What does this mean for your retirement planning?
In Episode 22 of the Rich Fulfilling Life Show, Saad Nadeem and Usman Jamal dive into the recent decision by the Bank...
21. Inflation – What is the real rate of inflation and how it affects your retirement?
Join hosts Saad Nadeem and Usman Jamal as they dive into the pressing issue of inflation in Canada, exploring its...
20. 80 Year-Old Physician Shares His Biggest Regrets The Rich Fulfilling Life Show
In Episode 20 of The Rich Fulfilling Life Show, hosts Saad Nadeem and Usman Jamal discuss pressing issues faced by...
19. Where are the opportunities for MPC’s given the new tax
In episode 19 of the Rich Fulfilling Life Show, hosts Saad Nadeem and Usman Jamal delve into the impact of the new...
18. Saad Hires a Financial Planner#18: Saad Hires a Financial Planner
#18: Saad Hires a Financial Planner Key Moments: A Financial Planner Hires a Financial Planner?– Saad opens up about...
17. The Federal Budget was announced, and it has us feeling all the emotions 💼💸
Episode #017: “More Taxes For Physicians On The Way. Thank You Federal Budget!” Key Moments: Federal Budget Changes...
16. How to make your principle home mortgage tax deductible! – Smith Maneuver
In Canada, the interest on the mortgage of your principle home is not a tax deduction. However, just because it’s not...
14. Interview with Ross Hendin, CEO of Physicians First Financial
This week's episode of the Rich, Fulfilling Life show aims to discover one of the ways to support internationally...
#013 Disability Insurance for Internationally Trained Physicians – All your questions answered.
In today's episode of The Rich, Fulfilling Life Show, Saad sits down with Dr. Vu Kiet Tran to discuss everything about...
#012 Interview with an Internationally Trained Physician – Dr. Soma
Join us for a special episode featuring our esteemed guest, Dr. Somanathan Damodaran - a dedicated listener and...
#011 Interview with JP Laporte – Setting up tax efficient pension plan solutions
In this week's episode of The Rich, Fulfilling Life Show we are discussing the different pension offerings for...
#010 Interview with Dr. Tran – Financial Lessons for internationally trained physicians
In this exciting episode of The Rich, Fulfilling Life Show we are joined by Dr. Vu Kiet Tran. Dr. Tran is an...
#009 Things to avoid to live a Rich, Fulfilling Life and how to start your journey TODAY!
This week's episode discusses YOUR Rich, Fulfilling Life. Let's take a deep dive into what exactly is a Rich,...
#008 Interest Rates, Inflation, Recession and “richsession”… What does it all mean to YOU?
In this episode of Your Rich, Fulfilling Life Show, Saad discusses inflation, what the interest rates are doing,...
#007 The North American Dream: Buying Your First Home As an Internationally Trained Physician in Canada
In North America, buying a home is considered a major life event. This week's episode discusses the different options...
#006 “Just 6% of Canadians say that their advisor provides them with comprehensive financial planning.” What about you?
A deep dive discussion on an article published in the Globe and Mail that states only 6% of Canadians actually get...
#005 The incorrect way most people buy life insurance… and how to fix it!
Life Insurance is an important aspect of financial planning. In this episode of the Rich, Fulfilling Life podcast,...
#004 A Complete Guide on How to Fund Your Children’s Education in the Most Tax-Efficient Way.
As an internationally trained physician, you may have settled in Canada in your 40s with young children that are soon...
#003 Master These 10 Profound Insights to Transform Your life into a Rich, Fulfilling Life.
Today's episode discusses a topic you wouldn't normally expect from a wealth management podcast. However, it is...
#002 Dividend Diagnostics: Mastering the 5 buckets for financial independence as a dividend paying physician.
After discussing the 5 buckets of financial independence for salaried physicians, in this episode of Your Rich,...
#001 The Salaried Physicians’s Shangri la: 5 buckets you must have to achieve Financial Independence
In this episode of Your Rich, Fulfilling Life show, Saad talks about the 5 buckets for internationally trained...
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