The Real Estate Edition, and How to Ask for It

The edition written for property investors is not available yet. Both editions are in final production, in English and in French, and no publication date, publisher or ISBN has been announced. Sending the form on this page adds a name to a list that gets used once, to say the edition exists. Nothing arrives today, and nothing on this website is held back behind the request.

Nothing is available to download on this page. A second edition of the book, written for readers whose balance sheet is mostly property, is in final production in English and in French, and it has not been published.

No publication date has been announced. No publisher has been announced. No ISBN exists. Those three facts are why this page asks for an email address rather than offering a file, and why it says so at the top rather than in a footnote.

Who is this edition for?

A reader who owns property and has met the problem this edition is about: the money is in the buildings, the bill is due now, and the route to liquidity runs through somebody else deciding whether to lend.

That reader has usually already solved the obvious part. Financing is arranged, the rents cover the carrying costs, the accountant is competent. What remains is the awkward middle: a deposit needed before a sale closes, a renovation that overran, four months of vacancy, a special assessment, or an opportunity that will not wait for an underwriter.

How does this edition differ from the general one?

Same contract, same mechanics, different worked situations.

The general edition builds the case for a household with employment income. It is requested from its own page, and it is the one to read first if you only intend to read one.

This edition takes the same reserve and puts it beside a property portfolio. The questions it works through are about timing rather than about return: when the capital is committed and the obligation is immediate, where does the money come from, and what does using that route cost in the years afterwards.

Does the strategy replace a mortgage?

No, and the edition says so early.

A mortgage is secured lending at a rate a policy reserve does not try to beat. Swapping cheap secured debt for a slower reserve is a worse position described in more flattering language, and a book recommending it would be arguing for the product rather than for the reader.

What the edition examines is the money moving outside the mortgage, and the moments when a lender reassesses you at precisely the point you need funds. A reserve inside a contract with an insurer does not reassess you. That is the difference worth understanding, and it is a narrower claim than the one usually made for this approach.

Is this Canadian material?

Yes, and that is most of the reason both editions were written.

Most published work on this subject comes from the United States, where the tax code, the insurance regulation and the estate treatment are all different. Canada levies no estate tax and no gift tax, the exempt test governing a policy here has no American equivalent, and several of the products discussed in American books are not sold in this country at all.

A Canadian property investor who plans from that material is planning against rules that do not govern the contract in front of them. Both editions reason from Canadian rules throughout, and where a figure appears it carries the assumptions behind it and the date it was current.

What does this page not do?

It does not gate anything. Every explanation the book assumes is already on this site and readable without a form.

It does not begin a sales sequence. One message, when the edition exists, and nothing between now and then.

It does not promise a schedule. The writing is finished and the production is not, and a month named here today would be a guess presented as a fact.

What does the form collect, and why?

A name and an email address, because a message has to be addressed and has to be sent somewhere.

The province you live in. Contracts of this kind are available only to residents of Canada, and the advisor may act only in the provinces his licensing covers. That decides whether a later conversation could usefully happen, and it is better said here than discovered afterwards.

A telephone number, if you want to give one. Optional. This request is answered by email either way.

Whatever you write in the message. Optional, and the place to name the edition, the language, or a question you would like the answer to whether or not the book covers it.

Nothing is asked about your income, your portfolio, your properties or your health. None of it decides whether someone should be told that a book has been printed, and collecting it would be collecting for a different purpose than the one stated.

What you send is held under the privacy policy, Quebec's Law 25 and PIPEDA. The policy names the person responsible for the protection of personal information, gives an address that reaches a person, and sets out how long each category of information is kept. You may ask to see what is held about you, to have it corrected, or to have it deleted, and no reason is needed for asking.

What to read while this edition is in production

Retirement for Canadian property investors addresses the same reader from a different angle and is finished.

How a participating policy works is the reference layer, and it explains the contract mechanics this edition assumes rather than repeats.

The arguments against this approach are set out in full, including the ones the practice concedes. If those do not survive your reading of them, the book will not change that, and finding out now costs you an afternoon rather than a wait.

Ask to be told when the real estate edition is ready

Nothing is sent today, because nothing is finished. Leave a name and an email address and you will hear once, when the edition exists, and in which languages. Use the message to say whether you want this edition, the general one, or both.

First name * Last name *

Email * Telephone

Which province do you live in? * What is this about? Your message *

What you write here is used to tell you when this edition is ready and to answer anything you raised in the message. It is not sold, not passed to an insurer, and not added to a marketing list unless you ask for that separately. Please do not send policy numbers, property addresses, account details, dates of birth or medical information through this form; a web form is not a secure channel and none of that is needed here. How your information is handled, how long it is kept, and how to ask for a copy or its deletion, is set out in the privacy policy linked below.

This form reaches Canadian Wealth Creation Centre Inc. Any meeting, any advice and any insurance product is provided by Canadian Wealth Creation Centre Inc., through its representatives certified by the Autorité des marchés financiers. IBC Financial is the company's education platform: it distributes no product and no financial service, and it gives no individualised advice.

Common questions

Is there a real estate edition of the book, and can I get it now?

There is one, and no, it cannot be had yet. It is a second edition of the same title, written for a reader whose balance sheet is mostly property, and it is in final production alongside the general edition in English and in French. Production is the stage after the manuscript is done, and it is the stage that decides when a book exists. Because it does not exist yet, this page has nothing to give you today. It records a name and an email address and uses them once, to say the edition is ready.

How does the real estate edition differ from the general one?

Same contract, same mechanics, different examples and a different sequence. The general edition builds the case for a household with employment income and ordinary expenses. This one is built around the moments that actually bite a property owner: a deposit needed before a sale closes, a renovation that runs past its budget, a unit that sits empty for four months, and a special assessment nobody planned for. The underlying question is the same in both, which is where liquidity comes from when capital is committed. Only the worked situations change, and there is no separate strategy in the second book.

Does this work with a portfolio of rental properties?

Sometimes, and the honest answer names the condition rather than the outcome. What decides it is whether rental income is durable and surplus after vacancy, maintenance, financing costs and tax, in a normal year rather than a good one. An investor whose properties are fully leveraged and whose cash flow is thin will find the funding commitment competes with the portfolio rather than supporting it, and the correct advice there is to leave the arrangement alone. Where surplus is genuine and stable, the reserve behaves differently from a line of credit because access does not depend on a lender reassessing you.

Will the book tell me to stop using mortgages?

No, and any book that did would be worth putting down. A mortgage is secured lending at rates a policy reserve does not attempt to beat, and swapping cheap secured debt for a slower reserve is a worse position dressed as a strategy. What the edition examines is narrower and more useful: the money that moves outside the mortgage. Deposits, holding costs, renovations, the gap between one sale closing and another completing, and the fact that a lender may reassess you at exactly the moment you need the money. That is where the argument is, and the book keeps it there.

Is the material Canadian, or was it written for American investors?

Canadian, and this is the reason the book exists. Most of what has been published on this subject was written in the United States, where the tax code, the insurance regulation and the estate treatment are all different. American material discusses estate tax exemptions Canada does not levy, gift tax rules Canada does not have, and product structures that are not sold here. A Canadian property investor reading that material builds a plan on rules that do not govern the contract in front of them. Both editions reason from Canadian tax rules and Canadian insurance regulation throughout.

What does the form on this page collect?

A name, an email address, the province you live in, and anything you choose to write in the message. A telephone number is optional and the request is answered by email regardless. The province is asked because contracts of this kind are available only to residents of Canada and the advisor may act only where his licensing reaches, which decides whether a later conversation could usefully happen. Nothing is asked about your income, your portfolio, your properties or your health, because none of that decides whether someone should be told a book has been printed.

Can I ask for both editions from this page?

Yes. Say so in the message field and both are covered by the one request, in whichever language you name. There is no advantage to sending two forms, and doing so simply produces two records of the same person. Many readers want the general edition for the mechanics and this one for the situations, which is a reasonable way to read them, and the general edition is the one to start with if you only want one. The two are written to be read in that order rather than as alternatives to each other.

Will asking about the book lead to a sales call?

No. This request is answered by email, once, when the edition exists. It does not put you into a calling list and it does not start a sequence of messages. If you separately want a conversation, that is arranged through the discovery meeting, which is a different request with a different form and no charge attached. Keeping the two apart is deliberate: a book request that quietly becomes a sales pipeline teaches a reader that nothing on a site can be asked for at face value, and that is a costly thing to teach.

What is worth reading while the edition is in production?

The retirement page written for property investors covers the same reader from a different angle and is finished and on the site now. Beyond that, the pages on how a participating policy works explain the contract mechanics the book assumes, and the section setting out the arguments against this approach is the fastest way to decide whether the subject deserves more of your time. All of it is readable without a form, an account or an address. If those three do not persuade you, the book is unlikely to, and knowing that now saves you the wait.

Last reviewed 2026-08-25.