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Published by Yatin Chadha
beyond MD bridges the gap between medical training and financial literacy. Led by mid-career Canadian radiologist, Yatin Chadha, beyond MD empowers practicing physicians, medical trainees, and other professionals to build confidence and clarity around money. Episodes feature interviews with subject experts to help listeners gain knowledge around topics like professional corporations, investing, insurance, pensions, real estate, trusts, and estate planning. Yatin also frequently interviews his own colleagues to shed light on valuable life and money lessons learned over time. Tune in to beyond MD (episodes are bi-weekly) to build your financial acumen and live your best life today.
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I used AI to generate a financial plan & life roadmap and then I gave this to 2 experts for review. Today I'm thrilled to host Mark McGrath, CFP, and Aravind Sithamparapillai, CFP, on the show. Mark McGrath is a leading Canadian voice in evidence-based finance & founded his own advice-only practice called Phynance, where he helps physicians with financial planning. He is also co-author of “Wealthier: The Investing Field Guide for Canadian Millennials.” Aravind Sithamparapillai is a financial planner and founder of AMA wealth. Last year, Aravind earned his CFP® designation with the highest exam score in the country, placing him at the top of the CFP® Exam President’s List. He was also selected for FP Canada’s Emerging Leader’s Award. Discussion Points: Part 1 - introductions (2:24) - my AI inputs and outputs (5:18) - Mark & Aravind's initial reflections (9:25) Part 2 - Limitations (26:17) - knowing how much one will spend in retirement, stress testing, compensation strategies Part 3 - Tax efficiency - RRSP debates (43:05) - Individual pension plan (46:01) - Home equity line of credit/HELOC (51:15) - Permanent life insurance (58:40) Part 4 - Top priorities - (1:07:32) Mark McGrath: phynance.ca https://www.linkedin.com/in/markmcgrathcfp/ Aravind Sithamparapillai: https://amawealth.ca/ https://www.linkedin.com/in/sithamparapillai/ Yatin Chadha: Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca Radiology Courses for Clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
Today we dive into Self-Storage investments. My guest is Clint Harris. Clint is a former medical sales professional turned real estate investor and co-host of the podcast, Truly Passive Income . After spending 16 years working alongside physicians and clinical teams, Clint gained firsthand insight into the demanding schedules, pressures, and financial challenges healthcare professionals face. While still working full time in medical sales, Clint began building passive income through real estate investing, ultimately transitioning into large-scale commercial projects. Today, he is a General Partner at Nomad Capital, where he helps develop and operate cash-flowing commercial assets and has helped raise capital for over $150 million in stabilized properties. Clint now focuses on educating busy medical professionals on how to invest passively - allowing them to continue practicing medicine while their money works for them. His approach emphasizes simplicity, diversification, and long-term financial stability without sacrificing time or patient care Discussion points: - Clint's introduction and exposure to storage investing (2:30) - meeting his partners (10:01) - Nomad Capital (13:00) - Mid-long term storage thesis (15:49) - Optimizing margins in storage (24:43) - Cost control measures (29:24) - Occupancy trends in storage (32:56) - Headwinds & tailwinds (35:21) - Syndications & the tough questions to ask (38:22) - Timelines (44:32) - Closing thoughts (46:11) Clint Harris: Website: https://nomadcapital.us LinkedIn: www.linkedin.com/in/clint-harris-543265139 YouTube: https://www.youtube.com/channel/UCe0F1abrRXQX2KpSl5qEnoA Podcast: https://podcasts.apple.com/us/podcast/truly-passive-income/id1693667029 Yatin Chadha: Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca
I'm thrilled to interview Mathieu Martin (CFA) to discuss his approach to investing in microcap stocks. Mathieu is the portfolio manager for the microcap fund at Rivemont. Discussion points: - Mathieu's introduction (1:18) - Lesson's from poker (3:40) - Why microcaps (5:13) - Rivemont microcap fund overview (6:32) - Mathieu's 3 key investing pillars (10:58) - How to screen for opportunities (14:04) - Mathieu's research process (16:46) - Old economy businesses vs software companies (20:26) - When to sell a losing position (23:45) - Mathieu's best investment (26:40) - Unsuccessful investments & lessons (33:01) - D-Box Technologies, DBO.TO (39:28) - Zedcor, ZDC.V (46:50) - Firan Technology Group, FTG.TO (49:50) - Lotus Creek Exploration, LTC.V (53:48) - BQE Water, BQE.V (56:09) - Medicure, MPH.V, (1:01:31) - Kits eyecare, KITS.TO (1:02:55) - How to approach investing in microcaps (1:08:20) - Who should not invest in microcaps? (1:10:00) - Where you can learn more about Mathieu's fund, blog (1:12:18) This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/ Mathieu Martin: Mathieu.martin@rivemont.ca https://www.linkedin.com/in/mathieu-martin-cfa-abb9a6b0/ https://stocksandstones.substack.com/ https://rivemont.ca/en/ Yatin Chadha: Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca
I am delighted to re share the most popular episode of all time, featuring international best selling author, Andrew Hallam We have a wide ranging discussion on the pillars of a successful life, the relationships between money & home ownership & happiness, spending money to enhance life satisfaction, evidence-based investing for success & simplicity, relationships, purpose, & lessons learned living abroad. Discussion Points/Chapters: - Andrew's background (1:28) - The requisites of a balanced & successful life (5:23) - The relationship between income and happiness (7:18) - How should we spend our money? (10:28) - The desert island litmus test (15:43) - Is home ownership associated with happiness? (17:53) - Is our happiness impacted by the neighbourhood we live in? (21:47) - How much of our income should we spend on a home? (24:58) - Why our investment horizon should be 30+ years (26:58) - Should you lump sum invest now or wait? (31:18) - Andrew's take on one stop shop ETFs (37:48) - My investment approach & challenges (42:18) - Key questions to as a financial advisor (46:09) - How to think less about $$ and embrace balance (49:48) - Why relationships are so important (52:47) - Meaningful relationships in a world where social media is ubiquitous (54:26) - Lessons from living abroad, advice for those considering it (58:48) - The power of giving (1:02:18) - Finding your purpose (1:04:23) - My perspectives (1:09:03) Andrew's books: https://www.amazon.ca/Balance-Invest-Happiness-Health-Wealth/dp/1774580756 https://www.amazon.ca/Millionaire-Teacher-Wealth-Should-Learned/dp/0470830069 https://www.amazon.ca/Millionaire-Expat-Wealth-Living-Overseas/dp/111941189 Yatin Chadha: Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca
Welcome to office hours on beyond MD where I answer the most popular questions I have been receiving. Question 1: How do I get unstuck and find more joy at work? Method 1 - shift expectations (0:17) Method 2 - a dose of perspective (3:08) Method 3 - find new rabbit holes at work (5:38) Method 4 - connect work to your life view (9:56) Method 5 - maintaining our outside interests (13:13) Question 2: How can one make time for creative work while practicing clinically? (15:25) The anatomy of an energy audit (17:47) Question 3: What pushed you do do a fellowship outside of Canada? (22:04) Yatin Chadha: Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca
Today I welcome Jordant Arndt, a Certified Financial Planner from Saskatoon to talk about the science, happiness, and finance behind charitable giving. Discussion Points: Jordan's intro (2:07) How Jordan's interest in charitable giving developed (4:41) Making charity part of our financial fabric (6:24) What are key reasons people want to give? (8:51) Happiness and giving - the evidence (9:58) Where to begin with finding a charity? (14:35) Questions to ask charities (17:07) Finances behind giving - donation tax credits & deductions (18:51) Writing off taxable income and carry forward (22:08) Tax efficient donating from corporation (23:05) Donor advised funds, set up (26:07) DAF mechanics (28:38) Closing thoughts (35:00) This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/ Papers, talks, resources from this episode: https://wellbeing.research.mcgill.ca/publications/Aknin-et-al-JPSP2013-prosocial-spending-happiness-with-appendix.pdf https://www.ted.com/talks/elizabeth_dunn_helping_others_makes_us_happier_but_it_matters_how_we_do_it DAFs: https://www.givewise.ca/blog/giving-philanthropy/donor-advised-fund-canada-checklist https://kciphilanthropy.com/wp-content/uploads/2023/05/DAFs-in-Canada-KCI-CAGP-Report-May-2023-2.pdf Jordan Arndt: Linkedin: https://www.linkedin.com/in/jordan-arndt-cfp/ Email: jordan@ennsbaxter Yatin Chadha: Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca
Discussion points: - Assuris history correction (1:00) - High cash values in early years (2:15) - Interest on the loan (3:40) - Life and liquidity (5:32) - Other considerations (7:25) - Summary (9:10)
I welcome Donny Mangos - father, entrepreneur, author, and podcaster. Donny shares his perspectives on participating whole life (WL) insurance, with a focus on how to optimize policies and use them while alive. Discussion points: Donny's intro (2:35) Broad perspectives on whole life (WL) insurance (4:55) When Donny begin to learn about WL (6:55) Quick overview on WL (9:30) WL attributes for wealth strategy (12:35) Other aspects of WL (16:00) Investments, risk (19:35) Understanding WL through an illustration (27:44) Growth rates (37:18) Good vs bad policies (38:37) Advisors and commissions (41:44) Must ask questions (44:29) "In the money" (45:54) Liquidity (46:44) Using a corporate policy personally (53:19) Multiple buckets (56:52) Personal vs corporate loans (58:50) Grey areas (1:00:22) Who should not do this (1:02:54) Donny's Links: Book: https://www.amazon.ca/Get-Wealthed-Up-Build-Mansion/dp/1998528197 Podcast: https://podcasts.apple.com/us/podcast/wealthed-up-with-donny-mangos/id1825202487 Site: https://wealthedup.com/ Email: donny@wealthedup.com Yatin's Links: Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca
Welcome to part 4 of the wealth formula, which focuses on understanding our definition of enough. We begin with a more philosophical discussion and move to rough numbers later only to help illustrate concepts. Discussion points: - introduction (1:33) - Businessman & fisherman (2:43) - Research on happiness, income (5:26) - Understand and visualize your ideal life (11:50) - What our life could cost (14:04) - Withdrawal rates, portfolio size (15:52) This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/ The 5 Types of Wealth: https://www.the5typesofwealth.com/ Links to videos: Ben Felix: https://youtu.be/S9InNdQhFwc?si=RTCDG1wUWvEV7vva https://youtu.be/1FwgCRIS0Wg?si=7GKWwIB7r_fyUh23 Blueprint Financial: https://youtu.be/BhlWUkwZoRo?si=ai66rrz0DqV7iGCq Yatin's Links: Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca Radiology courses for clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course Papers cited in this episode: A wandering mind is unhappy: https://greatergood.berkeley.edu/images/uploads/A_Wandering_Mind_Is_an_Unhappy_Mind.pdf Income satiation and turning points: https://www.flightfromperfection.com/files/post_attachments/jebb_et_al_2018.pdf
I love under-discussed & relevant topics, so I'm thrilled to host Dr. Nikhil Patil to discuss SR&ED (Scientific, Research & Experimental Development) credits for Canadian professionals. Discussion points: - introduction (1:37) - what are SR&ED credits? (6:01) - eligibility with examples (7:42) - qualifying activities (14:15) - Impact of other grants (16:22) - How much can be claimed? (17:31) - What the SR&ED claim process looks like (21:57) - Best practices to reduce audits (28:38) - Where does one start? (34:18) - Closing thoughts (37:00) Dr. Nikhil Patil: nikhil@innovotis.com https://www.innovotis.com/ https://www.linkedin.com/in/nikhilpatilmd/ Yatin: Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca
Many of us have substantial equity in our homes. How can we use it to grow our wealth? I'm joined by Matt Lee & Ming Lim from Volition properties to unpack HELOCs (home equity line of credit), the Smith Manoeuvre (routine and supercharged), & reverse mortgages. The episode kicks off by discussing life goals & our why, which is critical to nail down before embarking on any wealth strategy. This episode is brought to you by Clever Consult: https://www.cleverconsult.ai/ Discussion points: Goal setting & our Belize (3:03) My goals (13:50) Risks & mitigation in real estate investing (15:55) HELOCs (24:45) The Smith Manoeuvre (29:05) The supercharged Smith Manoeuvre (33:45) Why the Smith Manoeuvre is not for everyone (39:25) Reverse mortgages (46:19) Trends in Toronto multifamily investing (54:54) Volition Properties: https://www.volitionprop.com/ matthew@volitionprop.com ming@volitionprop.com Yatin's Links: Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca Radiology courses for clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course
Welcome to part 3 of the wealth formula - investing. Investing allows us to plant seeds for the live we wish to live - both today and later. Discussion points: - Japan (00:00) - The wealth formula (1:23) - Return vs effort (2:43) - The power of time (5:00) - Focusing on what's in our control (9:48) - Signal vs noise (11:25) - Valuation/CAPE ratio (12:56) - Investing during lost decades (15:50) - Geographical diversification (18:52) Useful websites: https://www.lynalden.com/shiller-pe-cape-ratio/ http://www.econ.yale.edu/~shiller/ Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca Radiology courses for clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&XLINK=MYCP
Dr. Gwynn Curran-Sills wears many hats: an emergency physician, a real estate investor, and a devoted family man. Today, Gwynn talks about what he's learned growing real estate portfolio in Western Canada to 199 units, his thoughts on intergenerational wealth, and lessons from a year-long sabbatical in Spain. Discussion Points: - introduction (2:02) - how Gwynn's interest in real estate developed (5:32) - the decision to focus on real estate in Western Canada (7:50) - Portfolio size and vision (15:32) - Value add strategies (19:32) - Do's and don'ts when investing out of province (20:50) - Does real estate still provide a good inflation hedge? (23:11) - Gwynn's why with RE investing (24:25) - Thoughts on intergenerational wealth (26:25) - Gwynn's sabbatical in Spain (31:00) - What does success look like? (40:15) Gwynn Curran-Sills: gwynn.curran-sills@medportal.ca www.linkedin.com/in/gwynn-curran-sills-b7778410a Yatin Chadha: Newsletter: https://www.beyondmd.ca/newsletter Website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Email: yatin@beyondmd.ca Radiology courses for clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829
Welcome to part 2 of the wealth formula - meaningful spending. Time stamps: - newsletter (0:30) - the wealth formula (0:53) - the spending pie chart (1:39) - the biology of spending (6:20) - mindful spending gives us control (9:05) - good spending focuses on relationships (10:40) Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829 Newsletter: https://www.beyondmd.ca/newsletter W ebsite: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Radiology courses for clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course Books discussed in this episode: Die with Zero: https://www.amazon.ca/Die-Zero-Getting-Your-Money/dp/0358567092 Balance: https://www.amazon.ca/Balance-Invest-Happiness-Health-Wealth/dp/1774580756
Welcome to the first of a 4 part series on the wealth formula. This episode focuses on understanding and optimizing our income. Today's episode is dedicated to our colleague, Dr. Mike Fralick, who recently passed away. Time Stamps: - Remembering Mike Fralick (0:06) - Spam attacks, newsletter (1:34) - The wealth formula (3:05) - Optimizing income (5:30) - Extra shifts (9:32) - Protecting income (12:15) - Diversifying income (14:32) Go Fund Me for Mike's family: https://www.gofundme.com/f/michael-fralick-v5eja Radiology courses for clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course Links: Newsletter: https://www.beyondmd.ca/newsletter website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829
Today I interview the person who has taught me the most about what it takes to live a rich and meaningful life - my dad, Ashok Chadha. We talk about the importance of dreams, curiosity, taking chances, entrepreneurship, & building an identity around multiple life pillars. Time stamps: - Embracing curiosity and following your dreams (2:37) - Taking the plunge and moving to Canada (6:05) - Finding joy at work and enjoying a long medical career (8:49) - The fragility of life (11:39) - Entrepreneurial venture #1 (13:47) - Breaking the cycle of trading time for money (16:16) - Entrepreneurial venture #2 (17:55) - Entrepreneurial venture #3 (21:06) - Finding balance in life (28:17) - Healthy living and thriving in retirement (33:25) - Closing thoughts and wisdom (40:25) Links: Newsletter: https://www.beyondmd.ca/newsletter website: https://www.beyondmd.ca/ LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Amex credit card referrals: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829 Radiology courses for clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course
Today I'm thrilled to host someone I've learned so much from over the years - Mike Heroux , passionate dividend growth investor. Mike has been educating Canadian retail investors for many years & is founder of Dividend Stocks Rock. Regardless of your investing level, this episode has something for everyone. Discussion points: Introduction (01:53) How Mike got started with dividend growth investing (3:37) The dividend triangle (7:58) How many sectors, how many stocks? (12:14) Finding time to invest (16:48) What about XEQT and chill? (19:32) Managing FOMO as a dividend growth investor (23:13) The retirement loop (25:46) How to avoid yield traps (29:36) Payout ratios (35:41) Covered call ETFs (38:40) Any other trends among Mike's best performing stocks? (45:23) Valuation (48:24) Rebalancing the portfolio (55:49) Re-investing dividends (58:54) Mike's best and worst investments (59:55) Interesting dividend growth ideas related to AI (1:06:55) Where to follow Mike, Dividend Stocks Rock (1:10:49) Mike Heroux: https://www.dividendstocksrock.com/ https://thedividendguyblog.com/podcast/ https://www.youtube.com/@DividendGuy beyond MD links: website: https://www.beyondmd.ca/ newsletter: https://www.beyondmd.ca/newsletter LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Radiology Courses for Clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course Amex referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINCnPBE&CPID=100606829
2025 has been an incredible year full of learning, conversations, and memories on the show - thank you for making it possible! Today, we recap the most memorable moments from beyond MD in 2025. Wishing you and yours an enjoyable and restful holiday season. Table of Contents: - Living a rich and successful life with MarK McGrath & Aravind Sithamparapillai (0:45) - Sabbatical, presence, good financial decisions with Dr. Kieran Nair (16:33) - Long-term investing returns with Dr. Paul Healey (27:25) - Understanding your definition of enough (33:17) - Getting the most our of work - enjoying productivity and finding joy (36:25) - Finding more control in medicine with Dr. Mamta Gautam (44:00) Links: website: https://www.beyondmd.ca/ email: yatin@beyondmd.ca LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Radiology Courses for Clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course American express referral link (for all Amex cards): https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
Welcome to my deep dive into every real estate investment I have ever made. There's good, bad, and down right ugly! Part 1 (this episode), focuses on my more active investments - rental properties. Discussion points: - why I decided to invest in real estate (1:00) - sources of return in rental property investing (2:50) - condo #1 (4:40) - condo #2 (7:18) - multifamily (9:35) - learnings from RE investing (16:20) Links: website: https://www.beyondmd.ca/ email: yatin@beyondmd.ca LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Radiology Courses for Clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course American express referral link (for all Amex cards): https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
Welcome to part 2 of my real estate investing journey where I cover all of my passive real estate investments. Contents: - MIC - Mortgage Investment Corporation (0:40) - Private equity residential real estate development (4:02) - Public REIT - Sienna Senior Living (8:00) Links: website: https://www.beyondmd.ca/ email: yatin@beyondmd.ca LinkedIn: https://www.linkedin.com/in/yatin-chadha/ Radiology Courses for Clinicians: https://beyondradiology.thinkific.com/courses/ct-head-interpretation-course https://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course American express referral link (for all Amex cards): https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP
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