Explore every episode of the podcast The Empowered Investor
| Title | Pub. Date | Duration | |
|---|---|---|---|
| Global Investors, Shared Values: A Conversation with David Andrew | 03 juil. 2025 | 00:47:13 | |
Host Keith Matthews welcomes David Andrew, founder of Capital Partners in Australia, for a discussion on global trends in independent advice and wealth management. Capital Partners is a leading edge independent Australian wealth management firm under David’s stewardship, Capital Partners was named Best Professional Practice in Australia by the Financial Advice Association of Australia in 2017, 2019 and 2024; the only firm to have received this award more than once. Together, David and Keith break down what Australian, Canadian and global investors have in common, the real-world dangers of conflicted advice, actionable ways to foster trust and transparency, and how family-focused planning creates lasting results. This discussion highlights how similarly investors think, feel, and behave - regardless of geographic location. You’ll get a behind-the-scenes view of how leading advisory firms build portfolios, guide client decisions and help clients spend smarter - without sacrificing peace of mind. “Across the globe, people seek the same fundamentals in wealth management: simplicity, transparency, alignment with their goals, and lasting peace of mind”. Key Topics: ● Welcome and why independent advice matters (0:00) ● Australia vs. Canada: The rise of fee-only advisory firms (6:46) ● Breaking the commissions trap: How regulation changed everything (8:04) ● What happens when big banks lose client trust and what’s replaced them (10:06) ● Real meaning of independence: Separating advice from product sales (10:53) ● The “iceberg” of financial advice - what clients truly need vs. what’s usually sold (11:20) ● The power of long-term planning: Helping clients retire earlier and happier (14:03) ● Building trust and transparency in a modern firm (16:00) ● How Capital Partners conducts discovery and values-based planning (17:14) ● How fee-for-service models protect client interests (22:59) ● Serving families: Approaches for business owners, professionals, and women in transition (21:47) ● Exiting commissions: The step-by-step shift to true independence (22:58) ● The role of trusts, estate planning, and multi-generational wealth (23:31) ● Family meetings, stewardship, and transferring financial values (26:26) ● Preparing kids and aging parents for financial transitions (27:55) ● Investment philosophy: From failed active management to evidence-based portfolios (31:06) ● How to weather market turbulence - advisor strategies that keep clients on track (35:33) ● The logic of global diversification vs. home bias (37:08) ● Tax efficiencies in the Australian system, and why they influence portfolio design (38:08) ● Lessons learned from building a multi-decade advisory firm (42:11) ● How to vet and select a truly client-centric, independent advisor (44:06) Mentioned in this Episode: ● Tulett, Matthews & Associates ● Capital Partners Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram. | |||
| RESP 101: What Every Empowered Parent Needs to Know | 22 mai 2025 | 00:18:44 | |
What exactly is an RESP and how can it be used to fund your child’s post-secondary education? What are the key rules around contributions, grants, and withdrawals? What should you do if your child doesn’t pursue higher education? In today’s episode, Laurence Greenberg and Jackson Matthews break down everything Canadian parents need to know about RESPs — from contribution limits and government grants, to withdrawal strategies and tax-efficient planning. Whether you’re opening your first account or optimizing an existing one, this episode offers clear answers and practical guidance. Don’t miss this essential overview that could help you unlock thousands in free education funding and avoid costly RESP mistakes. Tune in and feel more confident managing your child’s future education savings. Thank you for tuning in! Key Topics:● Introduction and post-tax season context (0:39) ● What is an RESP? (0:56) ● Contribution rules and lifetime limits (1:35) ● Tax treatment of contributions and growth (1:42) ● RESP grants: CESG, QESI, and CLB (2:25) ● How much you can earn in grants (3:10) ● What qualifies as post-secondary education (4:19) ● What RESP funds can be used for (4:30) ● Family plans vs. individual plans (5:11) ● RESP withdrawal rules and tax treatment (6:00) ● EAP withdrawals and tax planning strategies (6:52) ● Common RESP mistakes (8:51) ● What happens if a child doesn’t go to school (10:24) ● RRSP rollover and penalty tax explanation (11:36) ● Early lump sum contribution strategy (13:12) ● Investing RESP funds over the time horizon (14:26) ● Asset allocation by time horizon (16:15) ● Tips to optimize RESP usage (16:38) ● Importance of early planning and advisor support (17:39) ● Episode closing thoughts (18:00) And much more! Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram. | |||
| Personal Finance with La Presse’s Acclaimed Nicolas Bérubé | 24 avr. 2025 | 00:57:45 | |
What role do expectations and consumer culture play in shaping our financial well-being? How can we make smarter, long-term decisions that align with a meaningful life rather than short-term gratification? What lessons can we draw from those who’ve found financial independence through simplicity and intentionality? These are just a few of the powerful questions explored in today’s episode. Marcelo Taboada sits down with acclaimed La Presse journalist Nicolas Bérubé to explore the deeper intersection between money, happiness, and our daily decisions. They examine popular topics from Nicolas’ widely read weekly financial columns, challenging us to think critically about how we spend, save, and define success. This episode offers grounded wisdom for both younger listeners and seasoned professionals, covering everything from car buying habits and Uber Eats culture to the importance of gratefulness and long-term planning. Thank you for tuning in! Key Topics:● Introduction and guest background on Nicolas Bérubé (0:00) ● Nicolas’ early journey into journalism and passion for financial writing (3:50) ● The clarity and communication style that sets Nicolas apart (7:41) ● The origins and purpose of his column “L’argent et le bonheur” (11:32) ● How Canadians are reacting economically and emotionally to the US political climate (15:23) ● Choosing Canadian goods and reflecting on local economic impacts (19:14) ● On gratitude, health, and redefining wealth (23:05) ● The paradox of modern abundance and mental health struggles (26:56) ● Uber Eats, luxury spending, and opportunity cost in everyday life (30:47) ● Personal finance through the lens of real choices and trade-offs (34:38) ● Hedonic vs. eudemonic happiness and the pull of social media (38:29) ● What today’s habits reveal about future financial independence (42:20) ● Creating a meaningful life through intentional daily actions (46:11) ● Lifestyle inflation, children’s expenses, and thoughtful consumption (50:02) ● The power of compound interest and long-term financial vision (53:53) And much more! Mentioned in this Episode:
Thanks for Listening! | |||
| Market Volatility and Trump's Tariff Wars | 15 avr. 2025 | 00:32:31 | |
What sparked the most dramatic stock market volatility in recent memory? Why did tariffs suddenly become the centerpiece of U.S. economic policy? How should investors respond when uncertainty hits at lightning speed? We explore all of this—and more—in today’s deep dive on market turmoil triggered by Trump’s sweeping tariff announcements. Keith Matthews and Marcelo Taboada break down the global shockwave of “Liberation Day,” explain how markets and investors reacted, and offer critical lessons on staying invested when storms hit. From VIX surges to record—setting daily returns, they connect the dots between policy, volatility, and long-term perspective. If you’ve ever felt anxious during a market correction - or wondered if “this time is different”—this episode will guide you through the recent market turbulence with evidence-based insight and calm. Thank you for tuning in! Key Topics:● Today's show focuses on recent market volatility and U.S. tariff policy (0:55) ● Marcelo introduces the geopolitical backdrop and tariff volatility (1:34) ● Liberation Day and Trump’s tariff announcement explained (2:56) ● Historical impact and global scale of the tariffs (3:30) ● VIX and other measures of market fear during this period (3:48) ● S&P 500 drops 10% in two days after Liberation Day (4:13) ● Market expectations before the announcement were wrong (4:59) ● Global reach and economic shock of the announced tariffs (5:20) ● Canada, EU, Japan, China: Who was affected and how (5:38) ● VIX compared to past crises like COVID and 2008 (6:06) ● How the bond market reacted and its deeper message (6:33) ● Reversal of tariffs and a 90-day pause sparks 9.5% S&P rebound (7:55) ● Lessons on timing the market and importance of staying invested (16:58) ● Performance failures of tactical asset allocation strategies (19:13) ● How markets recover after recessions and bear markets (24:03) ● Evidence-based investment philosophy and long-term planning (28:22) And much more! Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more! | |||
| Essential Tax Tips to Complete your 2024 Tax Returns | 20 mars 2025 | 00:34:02 | |
Are you ready for tax season? Do you know the key deadlines and the essential documents you need to file your 2024 tax return? Have you explored all the deductions and tax relief options available to you? In this episode, Keith Matthews and Andrea LeRoyer guide you through a structured approach to preparing your taxes efficiently. From crucial deadlines to tax-saving opportunities, they cover everything you need to stay compliant and optimize your return. They also discuss major changes for the 2024 tax season, including updates on the capital gains inclusion rate, home flipping rules, and the latest home buyer plan withdrawal limits. Whether you’re a salaried employee, self-employed, a retiree, or a parent, this episode provides a simple and practical framework to handle your taxes effectively. Don't miss this essential conversation to help you file your 2024 return with confidence! Thank you for tuning in! Key Topics:
And much more! Mentioned in this Episode:Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more! | |||
| Chasing Trends, Losing Wealth: The Tactical Allocation Trap | 27 févr. 2025 | 00:31:07 | |
Have you ever wondered if moving your portfolio allocations around can lead to better returns? To help answer this question, one just needs to look at how tactical asset allocation (TAA) funds have performed over time. Have these TAA funds really helped investors navigate market uncertainty? In today’s episode, Keith and Marcelo break down a compelling new study from Morningstar that examines the long-term performance of tactical asset allocation funds. With a data-driven approach, they discuss how these funds performed over different market cycles, what role predictions play in their effectiveness, and how investors should think about market timing or shifting allocations. What can individual investors and advisors learn from the poor performance to TAA funds on how they manage their own or clients accounts? Join us as we analyze the risks, returns, and emotional biases behind tactical asset allocation, and reveal why a structured, long-term investment strategy may be the best approach for most investors. Thank you for tuning in! Key Topics:
And much more! Mentioned in this Episode:Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram. | |||
| Does Money Buy Happiness? With guest Daniel Crosby | 20 févr. 2025 | 00:45:43 | |
What role does psychology play in financial decision-making? How can behavioral biases influence your investment success? And what does it truly mean to find purpose and meaning in wealth? Marcelo Taboada welcomes Daniel Crosby, a renowned behavioral finance expert and author. Together, they explore the psychology of investing, how money and happiness intersect, and the core principles behind his latest book, The Soul of Wealth. Join us as we uncover how your mindset impacts financial success, the biggest behavioral biases to avoid, and the philosophical shift needed to make wealth truly meaningful. Thank you for tuning in! Key Topics:
And much more! Mentioned in this Episode:Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram. | |||
| US-Canada Tariffs, Trade & Investor Impact | 06 févr. 2025 | 00:32:20 | |
What happens when unexpected tariffs are imposed on a country? How do they impact businesses, consumers, and the economy at large? And most importantly, what should investors do to navigate uncertainty during times of trade tensions? In this episode, Keith and Marcelo break down the political and economic fallout, exploring the history of tariffs, their impact on trade, and potential consequences for both the Canadian and the U.S. economy. They discuss market reactions, investor strategies, and why this trade dispute could reshape Canada’s economic future, with possible silver linings amidst the economic turbulence. If you're an investor, business owner, or simply someone looking to understand how these global events might impact your financial future, this episode provides a well-rounded perspective on the situation. Tune in for valuable insights on how to navigate uncertainty and what investors should consider moving forward. Thank you for tuning in! Key Topics:
And much more! Mentioned in this Episode:Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, | |||
| Maximize your Savings with the Right Investment Accounts in 2025 | 23 janv. 2025 | 00:25:05 | |
In this episode, Lawrence Greenberg and Jackson Matthews provide a comprehensive guide to the various types of investment accounts available to Canadians. From foundational accounts like TFSAs and RRSPs to specialized options like RESPs and RDSPs, the hosts outline how each account works, who they are best suited for, and common misconceptions. Whether you're saving for retirement, education, or your first home, this episode offers practical insights to maximize your financial strategy in 2025. Thank you for tuning in! Key Topics:
And much more! Mentioned in this Episode:Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram. | |||
| 2024 Financial Year in Review and Looking Ahead for 2025 | 14 janv. 2025 | 00:29:37 | |
What were the key financial trends that shaped 2024? How did the markets perform across various asset classes? And what can investors learn from a decade of market data to position themselves for the future? In this episode, Keith Matthews and Marcelo Taboada provide a comprehensive breakdown of 2024, from asset class returns to geopolitical and economic factors that impacted the markets. Marcelo shares personal milestones from the year, while Keith discusses lessons learned from market trends and the importance of diversification amidst narratives of "U.S. exceptionalism." They also address what the performance of the last decade reveals about long-term investing, touching on inflation, interest rates, and the resilience of global stock markets. Join us as we reflect on the past and look forward to 2025, equipping you with essential insights to remain grounded and confident in your investment strategy. Thank you for tuning in! Key Topics:
And so much more! Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram. | |||
| Breaking into the Canadian Real Estate Market | 12 déc. 2024 | 00:48:49 | |
Have you ever wondered how to break into the challenging housing market as a first-time homebuyer? What strategies can help you secure your first property when affordability seems out of reach? How can creative financing and renovation techniques transform your homeownership experience? In today’s episode, Keith Matthews and real estate expert Sean Broady from the Broady Windsor Group share insights on navigating today’s real estate landscape. From practical home-buying tips to financing strategies, Sean offers an optimistic perspective on how anyone can enter the market with the right approach. Join us as we explore real-world stories, strategies for saving, and actionable tips for first-time buyers and their families. This episode is essential listening for anyone considering homeownership or supporting loved ones on their home-buying journey. Thank you for tuning in! Key Topics:
And so much more! Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| Thematic Investing: Investment Goldmine or Pitfall? | 08 nov. 2024 | 00:24:01 | |
Have you ever wondered if investing in emerging trends, like AI or green energy, could give you an edge? Are thematic investments a smart choice for long-term success? What are the potential pitfalls, and how can investors avoid them? In this episode, we explore these questions and more. Keith Matthews and Marcelo Taboada examine the appeal of thematic investing, looking at why it draws investors in and why it may often fall short. They discuss findings from a recent Morningstar report that highlights the returns—and missed returns—associated with thematic strategies, shedding light on how timing and trends impact investors' outcomes. Tune in to learn the do’s and don’ts of thematic investing and how a balanced approach can help you achieve your financial goals without chasing the latest investment craze. Thank you for tuning in! Key Topics:
And so much more! Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! | |||
| Should you trade on the US Election? | 25 oct. 2024 | 00:18:53 | |
Do presidential elections determine the stock market's performance? Is there a difference in returns between Republican and Democrat administrations? In today’s episode, Marcelo Taboada and Jackson Matthews break down the data from past elections and examine the long-term impact—or lack thereof—of political events on the stock market. How does human ingenuity shape market outcomes, and what lessons can investors learn from history? Join Marcelo and Jackson as they dive into key historical periods, such as the Great Depression, World War II, and the COVID-19 pandemic, to explore how markets react in times of crisis and growth. They also address common misconceptions about the stock market and offer a fresh perspective on investment strategies in the face of political change. Thank you for tuning in! Key Topics:
And so much more! Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram. | |||
| The RDSP Explained: Securing a Financial Future for Canadians with Disabilities | 12 sept. 2024 | 00:14:44 | |
Are you or a loved one facing the challenges of long-term financial planning with a disability? Wondering how to secure a stable future while navigating government benefits? The Registered Disability Savings Plan (RDSP) could be the answer you’re looking for. Hosts Lawrence Greenberg and Jackson Matthews break down the complexities of the RDSP, explaining how it offers significant government support through income-based grants and bonds, making it a powerful savings tool to help Canadians with disabilities secure their financial future. With tax-deferred growth, matching grants, the ability for multiple family members to contribute and bonds for low-income families, the RDSP allows for faster savings growth. Lawrence and Jackson discuss the RDSP’s complexity and the need for expert guidance to fully leverage its potential. Whether you’re planning for yourself or helping a family member, the RDSP can be a game-changer for securing a better financial future. Thank you for tuning in! Key Topics:
And much more! Mentioned in this Episode:Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram. | |||
| Maximizing Disability Tax Credit: Key Insights for Canadians | 29 août 2024 | 00:36:34 | |
Have you ever wondered how the Disability Tax Credit (DTC) can assist Canadians with disabilities and their families? What are the challenges involved in applying for this underutilized credit? How can one effectively navigate the application process to maximize benefits? These and more questions will be explored in today’s episode. Host Lawrence Greenberg sits down with Christine Brunsden, CEO of Benefits2, to discuss the Disability Tax Credit—a powerful yet often overlooked resource for Canadians. Christine delves into the intricacies of the DTC, clarifying eligibility requirements, debunking common misconceptions, and revealing the broader benefits it can unlock. The conversation also sheds light on how aspects of aging, such as mobility issues, cognitive decline, and incontinence, as well as chronic illnesses like diabetes, can qualify as disabilities under the DTC. Christine offers practical advice on navigating the application process and underscores the importance of educating both professionals and the public about this valuable financial tool. Whether you’re exploring the DTC for yourself or a loved one, this episode provides essential insights into obtaining financial support for those with disabilities. Thank you for tuning in! Key Topics:
And so much more! Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! | |||
| Navigating Market Volatility and the Lessons from Intel | 15 août 2024 | 00:11:20 | |
How should investors react to recent market volatility? What are the lessons from Intel's rise and fall that modern investors can learn from? Is diversification really the key to long-term success? In this episode, Keith and Lawrence dive into the recent bouts of market volatility and share their thoughts on how you can maintain your composure during these turbulent times. They also delve into the cautionary tale of Intel, once a stock market darling of the late 90's, to emphasize the risks of over-concentrated investments in seemingly "can't miss" stocks. Whether you're concerned about recent market trends or curious about the fate of once-dominant companies, this episode provides a clearer understanding of why it's essential to stay the course, ignore the noise, and maintain a diversified portfolio that aligns with your long-term financial goals. Thank you for tuning in! Key Topics:
And much more! Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram. | |||
| 2024 Mid-Year Investment Review | 06 août 2024 | 00:21:35 | |
Mid-year review - inflation down, stocks and bonds up: In this episode Keith and Lawrence delve into the 2024 mid-year review, providing a comprehensive overview of year-to-date asset class returns. They elaborate on the strong performance of various asset classes, particularly emphasizing how technology stocks like NVIDIA have propelled the S&P 500's gains. But they remind us of the importance of not chasing returns, and of the importance of maintaining a globally diversified portfolio for long-term performance and for risk management. As they look ahead to the upcoming fall US elections, they advise us that sticking to a consistent, diversified investment strategy is far more effective than trying to predict investment outcomes based on election results. Key Topics:
And so much more! Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| Expert Strategies & Insights for Preparing to Sell your Business | 27 juin 2024 | 00:43:37 | |
Are you thinking about selling your business but unsure where to start? Wondering how to maximize its value and attract the right buyers? How can you structure your finances to maximize the value of your business? Tune in as host Keith Matthews and guest Uros Milekic, partner at BDO Canada, explore the critical strategies for enhancing business operations, ensuring accurate financial reporting, and structuring for optimal tax efficiency. Uros also explains the key factors that potential buyers look for and how to position your business to meet those criteria. Whether you're looking to sell in the near future or planning long-term, this episode offers invaluable insights to help you navigate the complex selling process and secure your financial future. Thank you for tuning in! Key Topics:
And so much more! Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and... | |||
| Essential Financial Strategies for Entrepreneurs with Uros Milekic, CPA | 13 juin 2024 | 01:15:06 | |
How can entrepreneurs effectively plan and accumulate wealth? What role do holding companies and the capital dividend account play? Join host Marcelo Taboada and Uros Milekic from BDO Canada as they dive into key financial strategies for entrepreneurs. Learn how to optimize tax savings, protect assets, and set up holding companies for legal and tax benefits. Discover the pros and cons of taking a salary versus dividends, managing cash flow, and planning for retirement. Uros explains the Capital Dividend Account (CDA) and Refundable Dividend Tax on Hand (RDTOH) for tax-efficient fund distribution, and highlights Individual Pension Plans (IPPs) as a powerful wealth accumulation tool. Tune in to navigate financial planning complexities and make informed decisions for your business! Key Points:
And so much more! Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, | |||
| Raising Money-Smart Kids is the Wisest Investment with Guest Robin Taub, CPA, CA | 24 mai 2024 | 01:16:36 | |
As parents, we all want to set our kids up for financial success. But how do you teach them about money in a way that sticks? In our latest episode, Marcelo speaks with Robin Taub, CPA and author of "The Wisest Investment," to get her expert advice on instilling money smarts from an early age. Robin Taub is the bestselling author of The Wisest Investment. The Canadian edition of this book was awarded the Best Adult Book of 2022 by the Institute for Financial Literacy. Join us as we discuss the practical tips and exercises Robin outlines in her book, explore her personal experiences, and understand why financial literacy is essential for children, adolescents and young adults. This episode is packed with insights for parents, grandparents, and mentors who are keen on making a lasting impact on their children’s financial future. Thank you for tuning in! Key Topics:
And so much more! Mentioned in this Episode:
Thanks for Listening! | |||
| Happy Birthday! The Mutual Fund Structure Turns 100 | 09 mai 2024 | 00:25:36 | |
Join us as we celebrate 100 years of mutual fund history, reflecting on how they've helped shape investor access to the markets. Keith and Marcelo discuss the journey of mutual funds (MF) from a niche product created in 1924 to a mainstay in the investment world, examining both the benefits and challenges they present for today's investors. They highlight mutual funds' ability to provide diversified exposure to various markets, easy access to foreign investments, and convenience in buying and selling shares. They also tackle the downsides of mutual funds head-on: high fees, lack of transparency, and sales-driven practices from big banks and others that plague the industry. Despite the availability of lower-cost alternatives like ETFs and other low fee MFs, Canadians continue to be pulled to high-fee MFs. Why? Keith and Marcelo remain optimistic about the future, pointing to an increasing availability of low-fee investment options and the growing demand for independent, evidence-based financial advice. Explore the pivotal moments in mutual fund history and gain insights into how understanding this history can benefit your investment strategy today. Thank you for tuning in! Key Topics: ● The historical significance and impact of mutual funds on investing (00:39) ● Overview of mutual fund benefits, including diversification and accessibility (01:15) ● Mutual funds' role in the democratization of financial markets (03:22) ● High fees associated with Canadian mutual funds and transparency issues (05:15) ● Evolution of mutual funds and the introduction of ETFs (07:30) ● The shift from defined benefit pensions to defined contributions (09:45) ● Canadian vs. U.S. investment trends in mutual funds and ETFs (11:05) ● Discussion on mutual fund fee structures in Canada (13:18) ● The changing landscape of investing and the rise of passive strategies (15:30) ● Long-term trends and future for mutual funds (18:25) ● Summary of key takeaways and the importance of informed investing (20:40) ● Adoption of Vanguard's ETF Portfolio and Shift Towards Passive Investing in Canada (22:18) And so much more! Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| 2024 Federal Budget – implications of the proposed capital gains inclusion rate increases with guest Gerry Theus CPA, LL.M (Tax) | 29 avr. 2024 | 00:34:31 | |
Are you wondering how the proposed 2024 Federal Budget changes might affect your investments? Curious about the implications of the increased capital gains inclusion rates? Want to know the key considerations for financial planning in light of these changes? Today's episode dives deep into these questions and more. Today, Keith is joined by Gerry Theus, a seasoned tax expert, to explore the nuances of the proposed capital gains inclusion rate increases. They will discuss the transition from the old rate to the new, highlight the direct impacts on various investment structures, and unravel strategies to optimize financial outcomes under these new regulations. This episode is crucial for anyone looking to understand and navigate the new tax laws effectively. Thank you for tuning in! Key Topics: ● Gerry's background in tax law (02:29) ● Which types of investment structures are impacted by capital gains taxes (04:52) ● Assets that are exempt from capital gains taxes and clarifying common misconceptions (07:21) ● Assets that are typically subject to capital gains taxes upon appreciation (09:38) ● Tax bands and implications for individuals (12:26) ● Triggering gains before law changes (14:48) ● Strategies for dealing with capital gains from real estate (17:24) ● Advantages of being able to sell parts of a portfolio to manage potential capital gains tax liabilities (19:46) ● Future considerations for entrepreneurs holding commercial property (24:31) ● Capital gains adjustments for entrepreneurs (26:53) ● Updates on the the Lifetime Capital Gain Exemption (LCGE) increases (29:14) ● Update of the new Canadian Entrepreneurs Incentive program (31:41) Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| A simple, effective & stress-free way to invest in the stock market with guest Nicolas Bérubé | 16 avr. 2024 | 00:53:32 | |
Wondering how you can simplify your investment strategy without sacrificing returns? How does a straightforward approach to investing lead to financial security? Discover the answers in this episode as we discuss the principles of index investing and the power of keeping it simple. Keith Matthews is joined by Nicolas Bérubé, an award-winning financial journalist and author (of From Zero to Millionaire), to explore the benefits of a stress-free investment strategy. Nicolas shares his journey from being a curious reporter during the financial crisis to becoming a proponent of index investing, highlighting the importance of understanding market behavior and the futility of trying to predict the future. We dissect common misconceptions about active and passive investing, why aiming for average returns is a pathway to exceptional long-term success, and how maintaining discipline in your investment strategy can lead to financial empowerment. Thank you for tuning in! Key Topics: ● Introduction to Nicolas Bérubé and his journey in financial journalism (00:39) ● Impact of the 2008 financial crisis on investment perspectives (03:20) ● Misconceptions about stock market investing and the reality of index funds (05:56) ● The significance of behavior in investment success (13:02) ● Importance of starting early in investing and the concept of compounding (20:50) ● Debunking the myths around index investing and market timing (27:14) ● Discussion on the downside protection in index funds (34:07) ● Nicolas Bérubé's investment philosophy and his view on being a 'lazy investor' (38:22) ● Future of index investing in Canada and globally (43:00) ● The early adoption of exchange-traded funds (ETFs) and the gradual recognition of their benefits in the investment community (44:57) ● Why active management often underperforms index funds, even in volatility(49:13) And much more! Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| Beyond Borders: Tax implications for Non-Resident Canadians. | 15 févr. 2024 | 00:43:51 | |
Have you ever wondered what happens to your tax obligations when you leave Canada to become a non-resident? What about the complexities of owning property in Canada while living abroad? Are you aware of the intricate tax implications involved in these scenarios? In today’s episode, Marcelo Taboada speaks with Julie Cote from Chaise Bleu. With her extensive experience in taxation and specializing in non-resident Canadians owning property in Canada, Julie sheds light on the often misunderstood and overlooked aspects of taxation for non-residents. This episode is a deep dive into non-residency status, property ownership, and the critical tax considerations that come with these situations. Join us as we unravel the complexities of non-residency and property ownership from a taxation perspective. This episode is not just for those directly affected but also serves as a knowledge reservoir for anyone who might know someone in such circumstances. Tune in to equip yourself with essential insights and strategies for efficient tax planning and compliance. This podcast episode with Julie Cote was recorded on Nov 11th, 2023. Since then, have been two important changes. 1 - The minimum late filing penalty for the Underused House Tax UHT has been reduced:
2 - The Ban on foreign Buyers has been extended by two years to January 1st, 2027. Key Topics:
Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| How Much is Financial Advice Worth? | 01 févr. 2024 | 00:40:42 | |
Can you quantify the value of financial advice? How does an advisor enhance your investment returns? What role does behavioral coaching play in your financial success? Dive into these compelling questions in our latest episode of The Empowered Investor. Join us as we explore the intricate relationship between financial advice and investment success, featuring the insightful expertise of Emile Bouchard from Vanguard. In this episode, we delve deep into Vanguard's groundbreaking research on the value of financial advice. Emile Bouchard, a seasoned professional in the financial services industry, shares his insights on how Vanguard's approach to evidence-based investing and low-cost strategies is reshaping the industry. We dissect the critical components contributing to the value added by financial advisors, including portfolio construction, behavioral coaching, and holistic wealth management. Wrapping up, we reflect on the evolving landscape of financial advice in the age of AI and robo-advisors. Discover why the human element in financial planning remains irreplaceable, fostering trust, understanding, and customized strategies that align with your unique life events and goals. Thank you for tuning in! Key Topics:
Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| 2023 Financial Year in Review and Looking Ahead for 2024 | 11 janv. 2024 | 00:29:08 | |
How did the key financial events of 2023 shape the investment landscape? What lessons can investors take from these developments as we move into 2024? Join us in this episode as we delve into these questions and more. Keith Matthews and Lawrence Greenberg offer a comprehensive analysis of 2023, highlighting the performance of different asset classes, the role of major tech firms, and the impact of inflation and central bank policies. They discuss strategies for navigating the markets and how to avoid common investment mistakes, providing valuable insights for investors Thanks for joining us on this journey through the past year and into the future. We hope these insights will guide your investment decisions in 2024. Thank you for tuning in! Key Topics:
Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| Book Review: Same as Ever, by Morgan Housel | 21 déc. 2023 | 00:28:55 | |
Are we learning from history or repeating the same patterns in different contexts? How does understanding human behavior enhance our investment strategies? Can the past unlock secrets for future financial success? In this episode, hosts Marcelo Taboada and Jackson Matthews engage in an insightful book review of Morgan Housel's latest work, 'Same as Ever.' This episode not only delves into the book's key themes but also connects these ideas to practical investment strategies and financial planning. Morgan Housel, in 'Same as Ever,' explores the repetitive nature of human behavior through various historical lenses, emphasizing that while contexts may change, core human traits like fear, love, power, greed, and envy remain constant. Marcelo and Jackson analyze these themes, primarily focusing on how they relate to investors' decisions and the financial world. The discussion pivots to lessons for investors, emphasizing the importance of managing expectations, understanding the role of envy in financial decisions, and the necessity of adopting a long-term perspective in investment strategies. The episode ends with a reflection on the core principles of Tulett, Matthews & Associates, reiterating their commitment to client-centric services, evidence-based investment philosophy, playing the long game, and diversification. Thank you for tuning in! Key Topics:
Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! | |||
| An economic soft-landing? Yes, no, maybe... | 07 déc. 2023 | 00:16:31 | |
Curious about what a "soft landing" in the economy means? Is the United States on the brink of achieving one amidst current economic challenges? Interested in how such a scenario could affect your investment portfolio? In today’s episode, we dissect the elusive concept of a "soft landing" economically, analyzing the potential for such an outcome in the current U.S. economy. Keith and Marcelo guide you through the implications for investors, discussing historical examples and recent market dynamics. They will share strategies to manage your investments in these uncertain times, emphasizing the vital role of diversification and maintaining a consistent investment philosophy. Join us as we navigate the intricate cycles of the economy and unveil actionable strategies for you. This episode promises to enhance your understanding of economic fluctuations and how to embrace a consistent investment approach. Tune in now for a deep dive into economic resilience and investor empowerment. Thank you for tuning in! Key Topics:
Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| The Dividend Trap: How Seeking Stability Might Limit Your Returns | 23 nov. 2023 | 00:30:14 | |
In this episode, we dissect the intricate world of dividend investing, breaking down common assumptions and exploring its role within a well-rounded investment strategy. We'll delve into the impact of dividend reinvestment on total returns, the tax advantages of controlling distributions, and the importance of not relying solely on dividend paying stocks for diversification. Our discussion will shed light on the psychological allure of dividends during market volatility and why a broader perspective that includes capital appreciation is crucial for wealth growth. Join Lawrence and Keith as they navigate the complexities of dividends, offering insights that challenge the status quo and empower you as an investor. Key Topics:
Thank you for listening! Mentioned in this Episode: Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| International Diversification Part 2: Not so crazy | 26 oct. 2023 | 00:21:21 | |
In this episode, we continue our in-depth look at international diversification strategies for Canadians. Building on last week’s conversation, today we ask the burning question: How much should you invest in different global markets - US, International or Emerging Markets? We dive into the nuances of valuations and expected returns adding clarity and confidence in global diversified portfolios. Learn why Canadians should rethink their home bias in investing, especially when our national market constitutes just 3% of the global stock market. We also revisit Vanguard's recommendation that 70% of your equity holdings should be invested outside of Canada. Discover the critical interplay between valuations and historical returns, helping you understand and embrace an investment strategy that is truly global and diversified. Join Keith and Marcelo as they guide you through the maze of international investing backed by the latest research and expert opinions. Thank you for tuning in! Key Topics:
Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112. Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| Why Global Diversification is Good for Canadian Investors | 05 oct. 2023 | 00:29:48 | |
In today's episode, we highlight the benefits of global diversification for Canadian investors. We highlight actionable strategies for Canadians looking to invest outside their home turf, making the once-challenging access to US and international markets more straightforward and affordable. We start by reviewing the groundbreaking work by Henry Markowitz on modern portfolio theory, illuminating how diversification can help you gain better returns with less volatility. We discuss the Canadian investor tendency towards home bias in investments and discuss the merits of looking beyond national borders. Wrapping up the episode, we point to a recent Vanguard report that outlines the ideal equity allocation for Canadian investors. Join your hosts Keith & Marcelo as they guide you through this intricate yet vital topic, helping you craft a global investment strategy that's well-rounded and research based. Key Topics:
Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| Enemy #1 in Investing…Your Brain! | 21 sept. 2023 | 00:28:27 | |
Behavioural Biases and Investment Decisions Have you ever found yourself blindly following the crowd, even when deep down you knew it wasn’t the right decision? Have you ever wondered if the way your brain thinks is tricking you and influencing your investment choices, sometimes leading you astray? In this episode, we delve into the fascinating world of behavioral biases and their profound impact on investment decisions. Join us on a thought-provoking journey as we explore the hidden survival instincts that drive our actions, often without us even realizing it. Discover why humans may not be naturally wired to make rational decisions when it comes to navigating our financial path. We shed light on concepts like herding behavior, the pitfalls of overconfidence, and the dangers of confirmation bias and more. Throughout our exploration, we weave in real-world examples to provide you with a comprehensive understanding of human behavior and its significant role in investment choices. Join hosts Marcelo Taboada and Lawrence Greenberg as they share practical strategies to counteract these ingrained biases and foster decision-making processes that are both rational and aligned with your financial aspirations. Thank you for tuning in! Mitigating Investment Biases:
Mentioned in this Episode: Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| TMA Book Review: Psychology of Money by Morgan Housel | 07 sept. 2023 | 00:29:49 | |
Improves decision making for all investors. Have you ever wondered whether your financial decisions align with your future goals? Do our emotions play a pivotal role in shaping our financial choices, and influencing our long-term outcomes? Join your hosts Marcelo Taboada, Lawrence Greenberg, and Jackson Matthews as they discuss takeaways from Morgan Housel’s book, Psychology of Money. It’s an incredible personal finance book filled with great concepts and stories that can help improve decision making for all investors. Thank you for tuning in! Key Topics:
Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| Lifestyle Creep: The Silent Threat to Your Retirement Plans | 24 août 2023 | 00:19:40 | |
Lifestyle creep—a subtle increase in expenses as income grows—can have a substantial impact on your financial future. It is a subtle yet powerful force that can silently erode your retirement plans. Ignoring this phenomenon can have serious consequences, potentially downgrading your anticipated lifestyle and derailing your wealth-building goals. Recognizing the importance of aligning yourself with the right financial influences can be a game-changer in successful retirement planning. Join Keith and Marcelo as they dive deep into effective strategies that will help you circumvent the lifestyle creep trap. They’ll shed light on how this pervasive trend affects retirement planning and equip you with the knowledge you need to safeguard your financial well-being. Empower yourself with this invaluable information and set yourself up for a successful future. Thank you for tuning in and taking control of your financial destiny! Key Topics:
Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| Inspired Retirement – Maximizing retirement satisfaction with guest Susan Hogan | 10 août 2023 | 00:59:38 | |
Today, we delve into the art of crafting a rewarding retirement with Susan Hogan, an expert coach specializing in the non-financial aspects of retirement. Susan staunchly believes retirement has the potential to be the happiest phase of one's life, leading her to develop her coaching program, Inspired Retirement, to help retirees uncover their unique paths to a gratifying and purposeful retirement. Inspired Retirement demystifies non-financial retirement planning, offering invaluable insights and support for those on the cusp of retirement and recent retirees alike. It's here that individuals learn to navigate the physical, mental, social, and emotional facets of retirement and create their personalized, non-financial retirement blueprint. Join us on this enlightening episode where we cover retirement preparation, dementia prevention, lifestyle transformation, the empowering journey to self-discovery in retirement, and so much more! Thank you for listening! Key Topics:
Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! | |||
| Mid-year investment review: inflation down, resilient economy, stocks up! | 27 juil. 2023 | 00:26:39 | |
Mid-year review - inflation down, resilient economy, stocks up: As of now, recession concerns haven't materialized as many had predicted six months to one year ago. In 2023, portfolios are positive so far, with most asset classes having + ytd returns including; bonds, Canadian, US and international stocks. The development and growing influence of artificial intelligence is capturing investors' imaginations, and creating investor enthusiasm. In this episode Marcelo and Keith discuss ytd investment observations that include; why investors should stay clear of investment narratives, why investors should continue investing on a global basis, the performance of growth versus value stocks, investor benefits of opening economies, and the challenges and opportunities posed by higher interest rates. Thank you for listening! Key Topics:
Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| How do reverse mortgages work? | 13 juil. 2023 | 00:28:32 | |
Many Canadian retirees homeowners are home equity-rich but investment-light. Whether it’s to fund their 20 to 30 years retirement or simply to access money for a project without a monthly repayment obligation, a reverse mortgage can offer an opportunity to unlock that home equity and provide much-needed cash flow. Today we’re joined by experienced independent mortgage broker Morgan Englebretsen to talk about the ins and outs of reverse mortgages and what Canadian homeowners need to know to make an informed decision. In this episode, Morgan and Keith talk about the ideal candidates for a reverse mortgage, current reverse mortgage trends, which institutions issue reverse mortgages, the rules and costs around the reverse mortgages, how they are repaid, alternatives to reverse mortgages, and so much more! Thank you for listening! Key Topics:
Mentioned in this Episode:
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Follow Tulett, Matthews & Associates on social media on | |||
| Understanding Cybersecurity: Education, Prevention, and Response Strategies | 29 juin 2023 | 00:41:45 | |
With so much of our lives online, are you aware of the risks you face? Despite only 5-10% of people reporting fraud, the Canadian Anti-Fraud Centre received fraud and cybercrime reports totaling a staggering $530 million in victim losses in 2021. From phishing scams to ransomware and identity theft, the responsibility ends up on us as individuals to ensure we protect ourselves from cyberattacks as far as possible. Today Marcello is joined by cybersecurity expert James Fournier to talk about protecting yourself against cyber threats and what to do if you fall victim. James has been in the industry for over 20 years, and he’s seen it evolve and the different trends that crop up over time. As a technology expert, he has an emphasis on cybersecurity, and he’s a wealth of knowledge in the field. In this episode, James and Marcello discuss what cybersecurity really means, the foundations everyone should have to protect themselves, online security's do's and don'ts, why you need to use two-factor authentication and password managers, red flags to avoid, and so much more! James has been instrumental in training us at TMA on what to be aware of what to do and what not to do, and we think you’ll learn a lot from what he has to share. Thank you for listening! Key Topics:
Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, | |||
| Take advantage of the new First Home Savings Account | 01 juin 2023 | 00:21:10 | |
Canada's housing affordability crisis has put the purchase of a home out of reach for many young aspiring homeowners. The government created the first home savings account (FHSA) in response. An FHSA is a vehicle people can use to save for purchasing their first home while receiving a tax deduction on contributions. The money grows tax-free, and you can use it to buy a house without needing to refund the account; unlike the RRSP's Home Buyers' Plan. Keith and Marcelo first spoke about the FHSA when it was announced in June 2022, and today they're coming back with more answers as we head towards the account's rollout. In this episode, Marcelo and Keith talk about what exactly an FHSA is, how it works, who benefits from using them, how it may impact the housing crisis, and so much more! Thank you for listening! Key Topics:
Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| An Investor’s Guide to Expected Returns | 19 mai 2023 | 00:28:49 | |
Will I have enough money to retire comfortably? Am I on track? Should I be saving more? These are the types of questions clients bring to us daily. We turn to financial planning and modelling into the future using expected returns to answer them. Expected returns estimate the average return that an investment or portfolio should generate over time. Being able to create realistic projections requires starting with appropriately developed expected returns. In this episode, Marcelo and Keith talk about how investors and advisors should use expected returns, what you need to know about how they’re determined, why they’re essential for retirement projections, the organizations that create expected returns, and so much more! Key Topics:
Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112
Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| Navigating mortgages and high interest rates with specialist Morgan Englebretsen | 04 mai 2023 | 00:52:08 | |
Whether you're a first-time home buyer or a seasoned real estate investor, understanding the intricacies of mortgages is a game-changer in your financial journey. Navigating the mortgage journey can be an intimidating experience, and mistakes can have long-lasting consequences. With many potential pitfalls, confusing jargon, and seemingly endless options, proper guidance throughout the mortgage process is invaluable. Today we’re joined by experienced independent mortgage broker Morgan Englebretsen to break down the ins and outs of mortgages, ensuring that you have the knowledge you need to make informed decisions. In this episode, Morgan and Marcelo discuss how to get ready for the mortgage process, strategies you can use to save money, why it’s sometimes worth it to get a higher interest rate, how to decide how much of a deposit to make, the benefits of working with a mortgage broker, what to think about when deciding between lenders, the fixed and variable costs of buying a property, Morgan’s advice for a first-time home buyer and so much more! Thank you for listening! Key Topics:
Mentioned in this Episode:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on | |||
| Myths and popular beliefs in personal tax Part 2 | 27 avr. 2023 | 00:47:36 | |
With Tax Day on the horizon, tax tips, tricks, and hacks are being shared more than ever. From making charitable donations to incorporating and running everything through a company, word on the street is that the wealthy use particular tax strategies to minimize the amount of tax they owe. But while it might be tempting to try them, making the wrong decision about your taxes is an expensive mistake that can cost you many times more than what you would have paid initially. To help make sure you’re on the right track, tax specialist Réginald Pierre-Louis is back for part two of our tax myth series. Réginald has more than ten years of practice in the field and has a great way of making complex taxation rules and legislation more understandable so you can make sure you’re filing accurately. In this episode, Marcelo and Réginald talk about why it’s challenging to define a threshold for richness, how facts and feelings shape our perspective, what research shows about who pays the most taxes, and why many of the commonly shared “rich people” tax strategies might not be suitable for you. Thank you for listening! Key Topics:
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Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more!
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| Debunking 8 common myths and misunderstandings about taxes (Part 1) | 20 avr. 2023 | 00:56:30 | |
It’s getting to be that time of the year again— Tax Day is approaching and you start hearing conflicting things from friends and family about what is—and what isn’t—okay when filing your taxes. There’s a lot of misinformation out there about various deductions, loopholes, and write-offs that can get you into hot water if you blindly follow someone else’s bad advice. We’ve all heard people saying the rich don’t pay taxes, and the government is robbing us, or horror stories of being taxed at over 50% once your income is more than $100,000. Social media has amplified the problem, spreading myths as fast as truth and making it difficult to know what’s fact and fiction. Add in recent changes in the tax laws and you are left feeling confused and unsure of where to go for the right answers. Countering bad advice, especially during tax season, is crucial. So we reached out to expert and tax specialist Réginald Pierre-Louis to bust several tax myths and give you the facts to help ensure that you file accurate returns. His expertise can help ensure that you receive money the government owes you and avoid penalties for underreporting. In this episode, Marcelo and Réginald break down common tax mistakes and misconceptions, explore why these tax myths are so widespread, and share the facts you need to know as a Canadian investor. Thank you for listening! Key Topics:
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| 2022 Tax Tips – With Life Long Expert | 30 mars 2023 | 01:12:03 | |
Every year more complexity is added to the Canadian tax system, making it difficult for taxpayers to keep up to date. Understanding how to properly file your tax return and take advantage of deductions and credits can put more money back in your pocket, which can go a long way in achieving your financial goals. Your tax returns also entitle you to certain social benefits, and appreciating the various requirements can help you avoid costly mistakes. Whether working with a tax professional or filing yourself, there's always something new to learn about taxes. To help you gain clarity for this tax season, we’re doing a deep dive into Canadian tax returns with our colleague, Hugh Campbell. Keith and Hugh discuss why it’s essential to file your taxes accurately and on time, when spouses should file together, how requirements differ across provinces, the tax benefits of RRSPs and tax-free savings accounts, how to ensure you’re maximizing your allowable deductions, additional filing requirements for investors with foreign assets, and so much more! Thank you for listening! Key Topics:
Mentioned in this Episode:
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| Investor Beware: How to Protect Your Money from Scams and Fraud | 09 mars 2023 | 00:31:29 | |
Financial fraud is a serious issue that has unfortunately cost many investors their hard-earned savings. Although technology has helped fraudsters find new ways to dupe investors, the same core themes appear again and again. From Ponzi schemes to fake investment opportunities, these scams lure investors in with promises of high returns and low risk. In reality, there’s no increased reward without increased risk, and even when these plots are revealed, many people never recover what they invested. The best way to protect yourself is to be aware of the warning signs and educate yourself on the steps you can take to protect your investments. In this episode, Keith and Marcelo explore the world of financial fraud, some famous examples of these schemes, how they work, how you can safeguard your finances, and so much more! Thank you for listening! Key Topics:
Mentioned in this Episode: ● Netflix Documentary | Madoff: The Monster of Wall Street ● Diana B. Henriques’ Book | The Wizard of Lies: Bernie ● John Carreyrou’s Book | Bad Blood: Secrets and Lies in a ● Autorité des marchés financiers (AMF) ● Ontario Securities Commission ● Canadian Securities Administrators | |||
| Building Confidence Through Annual Review Meetings | 16 févr. 2023 | 00:33:45 | |
We’re in the middle of client meeting season at Tulett, Matthews & Associates. Over the years, the way we conduct these meetings has evolved as we incorporate client feedback and continuously work to provide the best wealth management experience possible. At the core, effective client meetings are about transparency and empowering investors with the right level of detail to move forward confidently, with a clear vision of their financial future. In this episode, Marcelo and Keith talk about how the relationship between financial advisors and clients has evolved, the TMA approach to client meetings, the elements we believe are essential, and so much more! Thank you for listening! Key Topics:
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| Should you Die with Zero | 02 févr. 2023 | 00:29:50 | |
When you’re intentional in your planning, you’re more likely to get the experiences you want out of life. Curiosity and continuous learning are a big part of our firm’s culture. The team is always sharing ideas, whether through podcasts, research articles, or books. Recently, Marcelo came up with a brilliant idea to take it to the next level, and now we have our own library at Tulett, Matthews & Associates. We’re excited to have this resource for the team and clients. In honour of that, today, we’re doing things differently. In this episode, Marcelo and Keith review a book from our library - Die With Zero by Bill Perkins. The book's concept centers around the idea that you’ve worked hard for your money, and you should optimize it by maximizing the life experiences that bring you purpose and fulfilment. We talk about Bill Perkins’ take on the problem with conventional advice about retirement planning, his framework for life enjoyment, potential pitfalls from neglecting your financial foundations, how we advise clients to plan for the experiences they desire, the case for giving away your wealth based on when it has the most impact, and so much more! Thank you for listening! Key Topics:
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| 2022 Financial Year in Review and Looking Ahead for 2023 | 19 janv. 2023 | 00:42:00 | |
Maintaining perspective and long-term discipline With significant declines in specific segments of the financial market, inflation rates we haven’t seen in decades, and geopolitical conflicts escalating, 2022 was a turbulent year for the average investor. Investors who maintained perspective and long-term discipline by committing to a fundamentally sound investment plan were able to weather through the periods of market uncertainty and stay on the path to building wealth. Four core principles help our clients maintain diversified, well-balanced investment portfolios and become financially secure forever. For the new year’s first episode, we are reflecting on key themes and lessons from 2022 and what they mean for Canadian investors. In this episode, Marcelo and Keith talk about how different asset classes performed over the year, central themes in the investment world, how investors should think about 2023, positive returns on the horizon, and so much more! Thank you for listening! For additional insights read our 2022 Market Review: A Changing Investment Landscape. Financial highs, lows and what’s in store for 2023
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| Are rising interest rates a curse or a blessing? | 15 déc. 2022 | 00:24:59 | |
Our goal in today's podcast is to add clarity of the impact of rising rates for bond investors. 2022 has been a challenging year for Canadian investors; inflation is higher, interest rates have been going up, bonds are down, and stocks have been volatile. Typically, bonds have sheltered investors in periods of uncertainty. This hasn’t been the case this year. Bonds play an important role in the investing world. They provide income, stability, and diversification to your portfolio. Bond prices are constantly moving according to current conditions and they typically have an inverse relationship with interest rates – when interest rates go up, bonds prices go down and when interest rates go down, bond prices go up. When looking at year-to-date bond returns, rising yields and decreasing bond prices may feel like a curse. In today's episode, Keith & Lawrence discuss why rising yields may in fact be a blessing for bond investors - and/or investor's bond allocation of diversified portfolios. Why rising yields are a blessing for most bond investors:
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||
| Teaching Kids About Money with Will Rainey | 01 déc. 2022 | 00:52:40 | |
Talk about money as a family, openly and often Kids form most of their adult money behaviours by the age of seven. How can you give your kids a head start and set them up to win with money at any age? Learning how to handle money is a lifelong process. Today we’re joined by Will Rainey, a writer and speaker focused on helping parents and grandparents teach their kids and grandkids about money. He is the author of the children's book, Grandpa's Fortune Fables, and his website, BlueTreeSavings.com, has helped thousands of parents start talking to their kids about money. In this episode, Will and Marcelo talk about why it’s essential to teach kids about financial values from a young age, the negative messages children receive when we avoid talking about money, children's allowances, financial incentives and punishments, how to encourage mindful spending and charity, helping kids to appreciate what they have, and so much more! Start saving as early as possible
Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112 Follow Tulett, Matthews & Associates on social media on LinkedIn, Facebook, and more! Follow The Empowered Investor on Facebook, LinkedIn, and Instagram | |||