Your Life and Money

Brad Smith is joined in the studio by Teresa Shutt, Chief Investment Officer at Harbourfront Wealth Management, to tackle the psychological and structural challenges facing investors today. Moving past the "gravy train" mentality of recent bull markets, Teresa explores how emotional reactions do far more long-term damage to wealth than market declines. The discussion dives deep into navigating modern "poly-crises"—from sticky inflation and tariff policies to unpredictable bond markets—and detail

Tim Borody welcomes back Abie Quayson, Portfolio Manager with Willoughby Asset Management at Harbourfront Wealth Management, to review public market shifts over the past 12 months. In this episode, Abie shares how market rallies expanded beyond the tech-heavy "Magnificent Seven," why Harbourfront intentionally reduced mega-cap concentration, and how the introduction of an Absolute Return sleeve helps build resilience against market shocks. They also explore valuation opportunities across interna

Tim Borody and Brad Smith sit down to discuss one of the most emotional and complex secondary assets a family can own: the family cottage. While a recreational property builds decades of cherished memories, passing it down to the next generation without a proper plan can trigger massive capital gains tax liabilities and strained sibling relationships. Protecting Your Recreational Property The Emotional & Relationship Risk: Tim and Brad explain why family communication must come first, outlinin

Tim Borody is joined in the studio by mortgage broker—and newly certified yoga instructor—Julia Bernier for her third appearance on Your Life and Money. Recording in mid-July 2026, Tim and Julia explore the shifts across Canadian real estate, breaking down what fluctuating interest rates, market conditions, and alternative lending options mean for buyers, sellers, and homeowners facing renewals. Demystifying Mortgages in an Uncertain MarketA Buyer's Market Shift: Discover why the current real e

Tim Borody and Brad Smith conclude their breakdown of the six pillars of comprehensive financial planning by digging into the strategies that determine how much of your wealth you actually get to keep. In this episode, they shift from daily asset management to long-term wealth protection, legacy design, and the immense power of family communication. Protecting Your Wealth and Perfecting Your Legacy The Silent Partner of Tax Planning: Tim and Brad demonstrate how two people earning the exact sa

Tim Borody and Brad Smith are back in the studio to pull back the curtain on what a comprehensive financial strategy actually looks like. If you've been told you have a plan but are only focusing on investment returns, you might be building on an unstable foundation—because a true, holistic roadmap requires balancing six interconnected pillars to serve your actual life, not just your accounts. Building a Strong Financial Foundation The "Live, Give, Owe, Grow" Framework: Brad and Tim break down