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Presentations
& Education

Are you a brokerage owner or team leader looking to help your team get to the next level? We are on a mission to improve financial literacy for real estate professionals. We believe that when your agents are confident and clear about their finances and financial plan, they have the focus and energy to go build their businesses. The PREC planners offers in-house training sessions for your team.

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Location

In-person or virtual, with preference to in-person session where possible.

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Ideal group size:

Five to eight agents. The presentations are interactive and smaller groups allow for more questions and individual dialogue.

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Session length:

60 minutes plus time for questions.

Our Presentations

Empowering real estate agents with practical financial strategies to build lasting wealth.

PREC…NOW WHAT?

Unlocking the Power of Your PREC

Stay Tuned for our next online session

Stay Tuned

Who's it for:

Agents with 4–10 years in the industry who have established a PREC and seek to maximize its benefits.

What You’ll Learn:

  • Optimizing Corporate Cash Flow and Taxation:
    • Evaluating Salary vs. Dividend Income
    • Insights on CPP & RRSP: When to utilize them effectively
  • Navigating PREC-Specific Strategies:
    • Understanding shareholder restrictions
    • The role and benefits of holding companies
    • Compensating family members through your PREC
Investing & Your PREC

Smart Investing Strategies for your PREC

JOIN US ON February 19th at 12pm

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Who's it for:

  • Incorporated real estate agents
  • Agents with retained earnings sitting in their PREC
  • Professionals who want clarity before investing corporate funds
  • Anyone worried about “doing the wrong thing” with corporate cash

What You’ll Learn:

  • Investing personally vs. investing inside your PREC – and when each makes sense
  • How different types of investment income are taxed inside a corporation
  • Passive income rules and why they matter for incorporated agents
  • Capital gains vs. interest vs. dividends – what’s most tax-efficient inside a PREC
  • Common investment mistakes we see with retained corporate earnings
  • How your investment strategy should align with your long-term goals, retirement, and exit plan
Insurance & Your PREC

Structuring insurance properly for incorporated agents

Realtor holding a clipboard while standing infront of door, a couple holds hands infront of her

JOIN US ON February 3rd at 12pm

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Who's it for:

  • Incorporated real estate agents
  • Agents with dependents or business partners
  • Anyone unsure if their current coverage is “right” or still relevant
  • Professionals who want clarity – not product pitches

What You’ll Learn:

  • The role of insurance in an overall financial plan (not sold in isolation)
  • Disability, critical illness, and life insurance for incorporated agents
  • Personal vs. corporate ownership of insurance – and why it matters
  • Using insurance to protect retained earnings and business continuity
  • Common coverage gaps and mistakes we see with PRECs
  • How insurance decisions should align with your long-term plan, family needs, and exit strategy
Financial Foundations for Agents

Personal Wealth Building Strategies Beyond Commissions

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Who's it for:

Agents at all career stages aiming to strengthen their personal financial foundation and build long-term wealth beyond commissions.

What You’ll Learn:

  • If/when you should form a PREC or not
  • Strategic utilization of RRSPs and TFSAs amidst fluctuating income.
  • Understanding CPP and OAS for self-employed professionals and effective planning.
  • The importance of personal financial planning beyond having a PREC.
  • Common financial pitfalls for agents and strategies to avoid them.
  • Actionable steps toward securing long-term wealth and financial independence.
RETIRING & YOUR PREC

Structuring Retirement Income For Incorporated Agents

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Who's it for:

  • Incorporated real estate agents
  • Agents planning to retire in the next 5–15 years
  • Professionals who intend to use their PREC as a primary retirement vehicle
  • Anyone unsure how corporate funds translate into personal retirement income

What You’ll Learn:

  • How retirement looks different when most of your wealth is inside a PREC
  • Salary vs. dividends in retirement – and how this evolves over time
  • How corporate investments, RRSPs, TFSAs, and CPP work together
  • Tax considerations when drawing long-term income from your PREC
  • What happens to your corporation when you stop selling real estate
  • Income-splitting opportunities in retirement – and how they differ from your working years
  • How to structure retirement income across spouses and family members tax-efficiently

Specialized Niche Market Offerings:

Two PRECs, One Vision –
Family Legacy Session

Families Who Sell Together, Build Wealth Together

Two business women sitting at a desk having a discussion

Real estate is often a family affair. Whether you’re a spousal team or a parent-adult child duo, navigating the complexities of managing multiple PRECs is key to long-term success. This session provides smart structuring strategies, tax-efficient planning, and effective methods for income splitting and compensation, with real-life examples of families who have built sustainable, multi-generational real estate legacies.

JOIN US ON April 24th at 11:30am

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Who it’s for:

  • Spousal teams in real estate
  • Parent and adult-child real estate partnerships
  • Family members involved in the management of a real estate business

What You’ll Learn:

  • How to structure your PRECs for long-term efficiency and growth
  • Tax planning strategies to maximize savings and protect family income
  • Techniques for income splitting and effective compensation plans
  • Practical lessons from successful family-run PRECs
  • Tips for transitioning from personal to professional family partnerships
From Paycheques to Commission Cheques

A Financial Guide for Second-Career Real Estate Agents

Making the leap to real estate from a traditional career is exciting – but it also presents new financial challenges. This session is designed for professionals who left steady paychecks for the opportunities of real estate and need practical strategies to manage their finances, grow their careers, and plan for long-term financial security.

Who it’s for:

  • Former teachers, nurses, corporate professionals, and others transitioning to real estate
  • Agents seeking financial stability and growth in their new careers

What You’ll Learn:

  • How to pay yourself properly from commission income
  • Strategies for managing taxes, deductions, and cash flow
  • Savings and retirement planning tailored to real estate agents
  • Smart ways to reinvest in your business for long-term success
  • How to handle old pensions and make informed decisions about them
Beyond the Deal – Financial Empowerment for Successful Single Women in Real Estate

Unlock Your Financial Power – Because Your Success Deserves to Shine

As a high-achieving woman in real estate, you’ve built a thriving career – but being the sole income earner comes with unique financial challenges. This empowering session is designed to help you prioritize your finances, navigate single-income hurdles, and secure the legacy you deserve.

Who it’s for:

  • Successful single women in real estate with established careers
  • High-achieving professionals seeking to strengthen their financial future
  • Women ready to transform their financial approach and reclaim their narrative

What You’ll Learn:

  • How to efficiently manage your personal finances while growing your business
  • Strategies to overcome the challenges of being the sole income earner
  • Tools to assess your true net worth and financial accomplishments
  • How to find financial professionals who understand your needs
  • Actionable steps to build and protect your wealth immediately

2025 Tax Talk Series

Past Education Series – Available On Demand

These sessions covered topics such as corporate taxation, paying yourself from your PREC, income splitting strategies, and planning ahead for future tax liabilities.

If you missed this series and would like access to the recordings, please email us at info@theprecplanners.ca and we’ll be happy to share them.

Session 1: Real Estate Inside Real Estate:
Rental Properties, Passive Income, and Your PREC

Kishan Mooljee, CPA, CA, CPA (Illinois) | MAcc M&Co LLP

Session 2: Audit-Proof Your PREC:
Bookkeeping Best Practices for Real Estate Professionals

Scott Armstrong, Partner | Synapse Accounting Group

Session 3: Winding Down Your PREC
What Happens When You Retire or Pass Away?

Michelle Bouchard, CPA, CA | HW Partners

Session 4:
Do You Really Need a HoldCo?How PRECs, Holding Companies, and Other Corps Fit Together

Purvish Shah, CPA, CA | Adian Professional Corporation

Session 5: How to Pay Yourself and Your Family the Right Way

Chris Dobbs, President | Tax Giant Inc.

Request Recording
Working with JoAnne Martin and the PREC Planners has been an absolute game-changer for our brokerage and our REALTORS® Their expertise in financial planning has not only empowered our agents with the knowledge they need to secure their financial futures but has also elevated the standard of service we provide to our clients. JoAnne goes above and beyond in her approach, taking the time to understand the unique financial situations and goals of each individual agent. Their personalized guidance has helped our agents make informed decisions about investments, retirement planning, and wealth management, ensuring they are equipped to navigate the complexities of the financial landscape with confidence. What sets JoAnne apart is her ability to communicate complex financial concepts in a clear and accessible manner. Our agents have praised her patience and dedication to ensuring everyone grasps the material thoroughly. Through workshops, one-on-one consultations, and ongoing support, JoAnne has fostered a culture of financial literacy within our brokerage, empowering our team to make sound financial decisions both personally and professionally. Thanks to JoAnne's invaluable insights and guidance, our REALTORS® are not just better equipped to manage their finances; they're also better positioned to serve our clients with integrity and expertise. I highly recommend JoAnne and the PREC Planners to any brokerage or team looking to invest in the financial well-being and success of their agents.
Sherry DouglasBroker/leadership partner

Book a presentation or planning session

Whether you’re looking to support your entire brokerage or provide exclusive sessions for specific agent demographics, our 2025 education offerings are designed to equip real estate professionals with practical financial strategies for long-term success.

Do you have a specific topic you want us to cover?

Custom Presentation and content can be developed to meet your team’s needs.

Book Now

Agents – Learn how PREC Planners can help you plan and maximize your individual wealth

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Joanne's dedication to enhancing financial literacy for real estate professionals is commendable. Her ability to simplify complex financial concepts and engage the audience is remarkable. The session provided valuable insights into the world of PRECs and financial well-being, often overlooked in our industry. The feedback from my agents was overwhelmingly positive, with many noting the practical value they derived from the presentation. Joanna's communication and presentation skills are exceptional, and her professionalism and responsiveness in our collaboration were commendable. I wholeheartedly recommend Joanna Martin to any brokerage looking to empower their agents with critical financial knowledge.
Sakshi Bhamre Brand Marketing and Communications, Coldwell Banker Sarazen Realty
It was a pleasure having JoAnne present two PREC presentations to our members at the Ottawa Real Estate Board. Our members found the sessions both informative and engaging, and JoAnne was able to make a complex topic easy to grasp. I would highly recommend recommended JoAnne to anyone seeking a knowledgeable and engaging presenter on PREC’s.
Lexie PinheiroLearning and Events Coordinator, Ottawa Real Estate Board