Simplifying Insurance: Smarter, Tax-Efficient Strategies for Business Owners with Adam Niman

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Recorded04 Sep 2026

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Adam Niman is a Toronto-based insurance advisor and co-founder of Kibono. He focuses on exposing how industry incentives, not better products, drive most financial decisions, helping business owners strip away complexity and build simpler, more transparent insurance and benefits strategies that actually work in their favour. Top 3 Value Bombs 1. Insurance should protect against risk, not serve as a wealth-building investment. 2. Know how advisors are compensated to make better insurance decisions. 3. Simple, short-term coverage often provides more value than expensive permanent policies. Check out Adam's website to learn more about his transparent approach to insurance planning - Niman Financial Inc. Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Fitnexa - If better sleep is a priority for you, Fitnexa helps you create the environment and routine to make it happen. Visit Fitnexa.com and use code EOFIRE10 to save 10 dollars on SomniPods 3 today. Waldo - Put idle cash to work through a high-yield treasury account. Visit Waldo.ai and start putting your cash to work like big companies do. Use code EOFire when you sign up and receive a 1 percent deposit match, up to 1,000 dollars. See full terms and conditions at Waldo.ai.

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