Joe Macek is an Investment Advisor and Portfolio Manager with iA Private Wealth and iA Private Wealth USA Inc. With over 28 years of expertise, based in Winnipeg, Manitoba, with offices in Toronto, Ontario, and Vancouver, British Columbia, His services encompass a full range of products, including stocks, bonds, mutual funds, options, fixed income, a variety of ETFs, estate planning, tax minimization, crafting income strategies for retirees, and retirement projections and planning, across seven provinces.
Joe also provides cross-border services as well as services exclusive to US citizens as he is registered with the SEC in Texas, USA. His deep understanding of finance allows him to offer cross-border investment opportunities that few advisors can, emphasizing a broader, more globally oriented-approach to wealth management.
USA Channel:
youtube.com/@JoeMacekUSA
Please read Disclaimers:
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Joe Macek, Investment Advisor, iA Private Wealth
STOP over-saving for a retirement you might be too tired to enjoy. 🛑
Most Canadians are told to max out their RRSPs at 18%, but for many, that is a massive tax trap. I just released a breakdown of how a 13.58% savings rate actually beats the "standard" 18% strategy—giving you more money to live for today while hitting a $5,000/month retirement goal.
In this video, we’re deep-diving into:
✅ The 2026 tax shifts the banks aren't telling you about.
✅ The $219,000 "CPP timing secret."
✅ How to legally collapse your tax rate to 7% in retirement.
You don't need to save more; you need to save smarter.
📺 WATCH THE FULL BLUEPRINT HERE: https://youtu.be/ZgWfniPZYEo
7 hours ago | [YT] | 2
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Joe Macek, Investment Advisor, iA Private Wealth
What happens to your TFSA when you die?
Most Canadians assume their TFSA automatically passes to their spouse smoothly and tax-free.
In many cases… it doesn’t.
One small checkbox — naming your spouse as a beneficiary instead of a successor holder — can quietly create paperwork, deadlines, and even taxable growth.
They sound similar.
They are not the same.
In my latest video I cover:
✔️ The 5 ways a TFSA can be passed on when you die
✔️ The #1 TFSA mistake Canadians make without realizing it
✔️ How to fix it if it’s already wrong
✔️ How to make sure your TFSA actually stays tax-free
If you have a TFSA (or a spouse), this is worth watching.
Watch here 👇
https://youtu.be/-zYaRC6cJGU
— Joe Macek
Investment Advisor & Portfolio Manager with iA Private Wealth & iA Private Wealth USA
👍 If this helps, hit like
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1 week ago | [YT] | 5
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Joe Macek, Investment Advisor, iA Private Wealth
Can you actually retire in Canada on $4,000 per month and keep almost all of it tax-free?
I just published a new video that walks through the math showing how a 40-year-old Canadian earning $80,000 can structure retirement income using:
✔ CPP
✔ OAS
✔ TFSA
✔ Tax credits
…to end up with 99.61% tax-free retirement income.
No hype.
No gimmicks.
Just real numbers and real calculations.
If you’re Canadian and thinking about retirement, this one is worth watching.
👉 Watch here: https://www.youtube.com/watch?v=ktoTR...
#RetirementCanada #CPP #OAS #TFSA #TaxFreeRetirement #CanadianFinance #RetirementPlanning
2 weeks ago | [YT] | 4
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Joe Macek, Investment Advisor, iA Private Wealth
Stop guessing what your pension will look like this year. 🛑
I’ve put together the ultimate 2026 CPP, OAS, and GIS guide, including the full 12-month payment schedule and a tutorial on how to estimate your exact amounts.
What’s inside: ✅ Full 2026 Payment Calendar ✅ New OAS rates for 65-74 vs 75+ ✅ The "Real Math" behind the 2% CPP increase ✅ Step-by-step GIS table tutorial
Watch now to stay ahead of the schedule: https://youtu.be/ImSw4wS1Hkk
Looking forward to hearing what you think :)
JOE
3 weeks ago | [YT] | 5
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Joe Macek, Investment Advisor, iA Private Wealth
#BillC11 could soon pass with HUGE new powers for the CRTC to regulate our posts and feeds.
Speak up and demand amendments to respect our content and choices! #FixC11
openmedia.org/MyChoiceC11-tw – via @OpenMediaorg
3 years ago | [YT] | 2
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Joe Macek, Investment Advisor, iA Private Wealth
For all those whom have made the ultimate sacrifice and served to keep us safe so we can live amazing lives every day, I thank you.
We honour you this day!
Lest we Forget.
3 years ago | [YT] | 2
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Joe Macek, Investment Advisor, iA Private Wealth
As of October 18th, the 3 month minus the 10 year treasury is negative - THE inversion of the yield curve that really matters. What’s spooky this time around is how the media has not covered it. #yieldcurve #investing #wealth #bear #recession
3 years ago | [YT] | 3
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Joe Macek, Investment Advisor, iA Private Wealth
Nuclear Power plants can not only generate power, but they can also be used to power desalinization plants to produce potable water. Given the many riverbeds drying up these days it would seem that might be a good idea. #NuclearEnergy #ElonMusk #water #EnergyCrisis #WaterIsLife
3 years ago | [YT] | 1
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Joe Macek, Investment Advisor, iA Private Wealth
This article will be featured in my next Market Commentary! www.bloomberg.com/news/articles/2022-07-31/banks-u… Another dislocation is brewing! #rates #DepositorsFirst #Banking #pay
3 years ago | [YT] | 1
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Joe Macek, Investment Advisor, iA Private Wealth
Hey YouTube!
My community posts have been activated!
Super thrilled!
In honour of my first post I thought I would send a pic and update you!
Getting some writing and editing done in the office over the weekend! Looking forward to shooting and uploading some excellent new content!
Upcoming Market Commentary Q2
What investment is likely best when my Ultimate Indicator Indicates recession/collapse
Let me know what type of content you would like to see!
#YouTube #investing #comments
Thanks again Youtube for 500 subscribers! Couldn’t do it without you!
Joe
3 years ago | [YT] | 4
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